Fill - Free fillable Association of REALTORS PURCHASE AGREEMENT Page 1 of (Guernsey-Muskingum Valley Association of Realtors) PDF form

GUERNSEY-MUSKINGUM VALLEY Date: __________________ Time: ________

Association of REALTORS© PURCHASE AGREEMENT Page 1 of 7

For use only by Members of the Guernsey-Muskingum Valley Association of REALTORS®

(Upon acceptance, this is a legally binding contract. It is recommended that all parties be represented by legal counsel.)

LISTING BROKERAGE:________________________________ SELLING BROKERAGE:______________________________________

AGENT: ___________________________________________ AGENT : _________________________________________________

____________________________________________________________________________________________________________

4. PRICE: Buyer agrees to buy and the Seller agrees to sell said real estate for the sum of ($____________________)

dollars. ____________________________________________________________________________________ dollars.

Buyer(s) Initials: _____________ Date: _____________ Page 1 of 7

Buyer(s) Initials: _____________ Date ______________

Seller(s) Initials: _____________ Date: _____________

Seller(s) Initials: _____________ Date ______________

Property Address_____________________________________________________________________________________________

privileges, easements, fixtures and all of the following items as they are now located on the Real Estate including if applicable:

electrical, plumbing, heating/central air conditioning equipment, attached gas or electric heaters; water heater and softener, unless

leased; bathroom fixtures; shades, blinds, awnings, curtain/drapery/traverse rods; window/door screens; storm window/doors;

shrubbery / landscaping; affixed mirrors; lighting; ceiling fans; attached shelving; television aerials/rotor operating boxes/satellite

dishes, and all operating components; garage door openers & operating devices; security-systems including underground

fencing; built-in dishwashers, compactors, garbage disposals; all affixed/built-in furniture/fixtures; utility/storage buildings or

sheds; in-ground swimming pools and equipment; propane/oil tank and contents thereof; fireplace grate and attached equipment;

smoke detectors; water source, septic system and their respective components, attached carpeting and floor coverings, and door

chimes. All items shall be free of any debt, lien or encumbrance at closing.

Additional inclusions:

____________________________________________________________________________________________________________

___________________________________________________________________________________________________________

____________________________________________________________________________________________________________

3. EXCLUDED FROM SALE:

1. We the undersigned,_________________________________________________________________________________

herein referred to as “Buyer” agree to purchase, and the undersigned

_____________________________________________________________________________________________________________

herein referred to as “Seller” agree to sell, the Real Estate located at

_____________________________________________________________________________________________________________

in the State of Ohio and County of ___________________________

tax parcel number(s)____________________________________________________________________________________________

through the Broker(s) referred to above.

2. INCLUDED IN THE SALE: The Real Estate shall include the land, together with all improvements, all appurtenant rights,

Purchasers obligations are conditioned upon obtaining following financing: ( ) Conventional ( ) FHA ( ) VA ( ) FMHA ( ) RD

( ) Home Equity ( ) Cash ( ) Other. Application must occur within _____ banking days (excludes Saturday, Sunday and Federal

Holidays) after acceptance of this offer. Loan commitment is subject to property appraisal. Failure to make such application will

give the Seller all legal options, including voiding this agreement. If a cash transaction, the Buyer must provide proof of funds within

three (3) banking days.

5. OTHER CONTINGENCIES:

_________________________________________________________________________________________________________

________________________________________________________________________________________________________

6. IT IS FURTHER AGREED:

________________________________________________________________________________________________________

Dollars and Zero Cents

7. CLOSING: This contract shall be performed and this transaction closed on or before _________________________unless

the parties agree in writing to an extension. Seller and Buyer give permission for their respective REALTOR®(s) to receive a copy of

the closing disclosure form applicable to Seller and Buyer respectively prior to and after settlement.

8. POSSESSION: Seller agrees to surrender possession of said property to Buyer on ____________________________.

Buyer shall have the right to revisit the real estate prior to closing for the sole purpose to ascertain that there have been no changes

in the condition of the Real Estate since Seller’s acceptance of Buyer’s offer to purchase. At the time the Seller delivers possession,

the real estate will be in the same condition as the date of acceptance of this contract except for ordinary wear and tear. Seller

agrees to remove all personal property not included in this contract and leave the real estate in broom clean condition and the

property free of trash and debris. If after closing Seller vacates the real estate prior to the above named date and time, Buyer is

entitled to take possession.

9. INSURANCE: This agreement is contingent upon Buyer obtaining a commitment for property/homeowner’s insurance,

within ______ banking days of loan application (excludes Saturday, Sunday and Federal Holidays).

10. DURATION OF OFFER: This offer is open for acceptance to and including _________ o’clock AM PM on

_____________________ (date), and upon such acceptance, it shall become binding upon and accrue to the benefit of the

Buyer and Seller and their respective heirs, executor, administrators and assigns. This contract shall be governed by the law of the

State of Ohio. Any amendments or modification hereof, must be in writing and signed by the parties.

11. HOME WARRANTY: Buyer does does not want a home warranty. Home warranties DO NOT COVER PRE-

EXISTING DEFECTS OR conditions, nor do they preclude the advisability of a home inspection. The Buyer or Seller will

purchase a home warranty plan at a cost of ___________ from the warranty company known as ______________________. This

plan will be purchased through _________________________________ real estate company

12. EARNEST MONEY: $ _

______ cash, check # ______ date received ________

Received by:__________________________

Earnest money, shall be deposited in the buying BROKER’s non-interest bearing trust account upon acceptance. The earnest money

shall be held in trust and disbursed as follows: (a) Returned to Buyer at closing (b) If this offer is not accepted within the time

provided or if this offer is accepted and Seller fails or refuses to perform any obligation under this Agreement, or any condition or

contingency is not fulfilled through no fault of the Buyer, the earnest money shall be returned in full to the Buyer. (c) If Buyer fails

to perform, the deposit shall be retained by Seller. In the event of a dispute between the Seller and Buyer regarding the

disbursement of the earnest money, the Broker is required by Ohio law to maintain such funds in his trust account until the Broker

receives (a) written instructions signed by the parties specifying how the earnest money is to be disbursed or (b) a final court order

that specifies to whom the earnest money is to be awarded. If within two years from the date the earnest money was deposited in

the Broker’s trust account, the parties have not provided the Broker with such signed instructions or written notice that such legal

action to resolve the dispute has been filed, the Broker shall return the earnest money to the Buyer with no further notice to the

Seller.

13 a. UTILITIES, unless otherwise stated in this contract, are to be transferred on date of closing or date of possession,

whichever is later. Utilities shall be paid by Seller until closing or date of possession, whichever is later.

13 b. Storage tanks, (hot water heaters, fuel oil, propane tanks) that are leased and/or owned by seller are to be conveyed

to the new owner and are to be transferred by new owner at time of closing or date of possession, whichever is the later.

14. RENTS and SECURITY DEPOSITS: Adjustments or pro-rations shall be made through date of closing for rentals, interest

on any mortgage assumed by Buyer, Condominium or association periodic charges, rented equipment and transferable

insurance policies, if Buyer elects. When applicable, security deposits and all leases shall be given to the Buyer at closing.

Seller(s) Initials: _____________ Date: _____________

Seller(s) Initials: _____________ Date ______________

Buyer(s) Initials: _____________ Date: _____________ Page 2 of 7

Buyer(s) Initials: _____________ Date ______________

Property Address_______________________________________________________________________________________________

15. TITLE SEARCH AND TITLE INSURANCE: The Buyer

Seller shall furnish and pay for a title search. The

Buyer does does not elect owner’s title insurance. If owner's title insurance is elected the Buyer Seller shall

furnish and pay for standard owner’s title insurance commitment and policy in the amount of the purchase price, with a copy of

subdivision or condominium plat, if applicable. The title evidence shall be certified to within thirty (30) banking days prior to closing

and the endorsement as to 8:00 A.M. on the business day prior to the date of closing, all in accordance with the standards of the

Ohio State Bar Association, and shall show in Seller marketable title, in fee simple, free and clear of all liens and encumbrances

except: (a) those created by or assumed by the Buyer; (b) those specifically set forth in this contract; (c) zoning ordinances; (d) legal

highways; and (e) covenants, restrictions, conditions and easements of record which do not unreasonably interfere with present lawful

use. At closing, the Seller shall sign an affidavit with respect to off-record title matters in accordance with the community custom,

including but not limited to verification that there are no delinquent sewer and/or water charges.

If required by the Buyer’s lender, the Buyer shall pay any expense incurred in connection with the mortgage title insurance issued for

the protection of the Buyer’s lender. Under RESPA, the Seller may not require Buyer, as a condition of the sale, to purchase title

insurance from any particular title company. If the Buyer or Buyer’s lender wants a site survey, it will be at the Buyer’s expense. If a

boundary survey is necessary to create marketable and recordable title or for description purposes, it would be paid for by the

Seller.

16. TITLE PROBLEM: If the title to all or any part of the Real Estate is unmarketable as determined by Ohio law with Reference

to the Ohio State Bar Association’s Standards of Title Examination, or is subject to liens, encumbrances, easements, conditions,

restrictions or encroachments other than those excluded in this contract, the Seller shall, within thirty (30) banking days (excludes

Saturday, Sunday and Federal Holidays) after the Seller receives written notice thereof, remedy or remove any such defect, lien,

encumbrance, condition, restriction or encroachment or obtain title insurance without exception therefore.

17. MINERAL RIGHTS: Unless otherwise excepted and/or reserved herein, the property offered herein shall include the land

(including the ownership of all minerals owned by Seller at the time of acceptance of this agreement). Minerals shall include coal,

oil, natural gas, gemstones, dimension stone, construction aggregate, salt and other materials extracted from the ground. The

extent of any minerals owned by the Seller may not be known, and unless otherwise agreed, it shall be the responsibility of the

Buyer to determine, at Buyer’s expense, the current status of mineral rights. This offer is, is not contingent on the

Seller’s ownership of mineral rights.

TRANSFER DURING PENDENCY: If mineral rights are being conveyed to Buyer in this transaction, then during the pendency of the

transaction, the Seller shall not lease, sell, gift, transfer, or assign in any way any mineral rights or convey other property or mineral

rights governed herein.

18. DEED: Seller shall convey to Buyer marketable title in fee simple by transferable and recordable general warranty deed

with release of dower, if any, or by fiduciary deed, if appropriate, free and clear of all liens and encumbrances, excepting: (a) any

mortgage or other encumbrance assumed by Buyer; (b) leases, reservations, conditions, easements and restrictions of record; (c)

such encroachments as do not materially adversely affect use or value of the Real Estate; (d) zoning ordinances, if any; (e) taxes and

assessments not yet due and payable and (f) those restrictive covenants of record condominium and home owner association fees.

Seller will pay all conveyance fees.

19a INDEMNITY: Buyer and Seller recognize that the BROKERS involved in the sale are relying on all information provided

therein or supplied by Seller or sources in connection with the Real Estate, and agree to indemnify and hold harmless the BROKERS,

their agents and/or employees, from any claims, demands, damages, suits, liabilities, costs and expenses (including reasonable

attorney’s fees) arising out of any misrepresentation or concealment of facts by Seller or sources.

Seller(s) Initials: _____________ Date: _____________

Seller(s) Initials: _____________ Date ______________

Buyer(s) Initials: _____________ Date: _____________ Page 3 of 7

Buyer(s) Initials: _____________ Date ______________

Property Address_______________________________________________________________________________________________

19b RELEASE: Professional Advice and Assistance: The parties acknowledge and agree that the purchase of real estate

encompasses many professional disciplines. The Real Estate Brokers and Agents are not experts in all areas involving a real estate

purchase or sale including, but not limited to, legal matters, tax law, financing, surveying, inspections, structural conditions,

hazardous materials, and environmental conditions. It is strongly recommended, and the parties hereby acknowledge, that they

have been advised to seek further professional assistance and advice in these and other areas of professional expertise. In the event

that any names of professionals or companies are provided to the parties as a source for such professional advice and assistance,

those names are being provided as persons whom the Real Estate Brokers and Agents are aware of who perform such professional

services. The parties are advised and encouraged to conduct their own independent research and investigations as to the

qualifications and experience of any professional engaged. The parties further acknowledge and agree that the Real Estate Brokers

and Agents do not warrant, guarantee, or endorse the services and/or products of such companies or sources.

19c RELEASE AGREEMENT: The parties hereby agree, in consideration of the services provided, and by their signatures set forth

below, to release, discharge and hold harmless the real estate Brokers and Agents from any and all liability, including but not limited

to negligence and other cause of actions directly or indirectly related to this transaction, including providing sources of areas of

expertise as set forth in paragraph (b), the contents of any inspection report, the work thereof or the work of any contractor, and

advice or recommendation concerning the necessity of any work or inspections, any defect or deficiency in the property, and the

failure to deliver any notice within the time periods provided herein unless specifically

requested to do so in writing. This release

shall survive the execution and closing of this contract.

20. TAXES AND ASSESSMENTS: Seller shall pay all taxes and assessments for all years prior to closing. Sanitary sewer

improvements, waterline improvements and for the year of closing, shall be pro-rated through the closing date. Seller agrees to

pay the Buyer or credit against the purchase price Buyer’s pro-rated share of such taxes, assessments, recoupments and

improvements. In pro-rating taxes on existing improvements, the tax as shown upon the last County Auditors Tax Duplication

shall be used if newly improved Property County estimated tax is to be prorated. All current agricultural use value CAUV tax

recoupments will be paid by the Buyer Seller.

21. DAMAGE CLAUSE: If real estate is damaged or destroyed by fire or other casualty, a written notice shall be delivered within

forty-eight 48 hours of discovery of the damage or destruction by Seller to Buyer. If prior to closing, the real estate is not repaired

or restored by and at the cost of the Seller to the condition it was prior to the damage or destruction, Buyer may terminate or

proceed with this Contract by providing written notice to Seller within 10 banking days (excludes Saturday, Sunday and Federal

Holidays) from receipt of written notice. The earnest money deposit shall be returned to Buyer, Buyer may receive the proceeds

of any insurance of Seller. Seller shall not make any alterations without the consent of the Buyer.

22. INSPECTIONS AND TESTS: It is strongly recommended that the Buyer conduct inspections and tests. Buyer and the Seller

Understand and agree that the Broker neither warrants nor assumes responsibility for the physical condition of the premises. Buyer

will be responsible for the repair of any damages caused by the Buyer’s inspections and tests; which repairs will be completed in a

timely and workmanlike manner at Buyer’s expense.

SPECIFIED INSPECTION PERIOD: (Not applicable if the number of days is not inserted) Inspections are done at Buyer’s expense at

time of inspection. Buyer shall have _____ banking days (excluding Saturday, Sunday and Federal Holidays) after the date of written

acceptance of the contract by both parties to have inspections, environmental inspections and/or tests completed. This time period

shall be known as the Specified Inspection Period. All requests to remedy shall be submitted in writing to the Seller or Seller’s Broker

within the Specified Inspection Period. Time is of the essence in completing any of the inspections, tests and/or reports. The Buyer

at Buyer’s expense, shall have the right to have any and all inspections, tests and/or reports conducted, including but not limited to:

Seller(s) Initials: _____________ Date: _____________

Seller(s) Initials: _____________ Date ______________

Buyer(s) Initials: _____________ Date: _____________ Page 4 of 7

Buyer(s) Initials: _____________ Date ______________

Property Address_______________________________________________________________________________________________

a) Inspection of the premises and all improvements, fixtures and equipment

b) A pest inspection for termite and wood destroying insects with a report provided on a FHA/VA approved form by a licensed

Ohio certified Pest (Termite) Control Applicator

c) Inspection of gas lines on the premises

d) Inspection of the waste treatment systems and/or well systems by a local health authority or State EPA approved

laboratory of the Buyer’s choice

e) Inspection or testing for mold, radon and any other environmental test

f) A lead-based paint inspection and test

g) Any other inspection as required by Buyer’s lender or desired by Buyer.

Buyer waives all inspections and agrees to indemnify and hold harmless Seller and Seller’s Agent(s) from any claims arising out of

Buyer’s failure to conduct such inspections. Buyer accepts property in “As Is” condition.

Buyer(s) Signatu

re ____________________________________ Date: ______/______

I agree to verify any of the above information that is important to me by an independent investigation of my own. I have been

advised to have the property inspected by professional inspector of my choosing.

Buyer(s) Initials: ______/______ Date: ______/______

I acknowledge that neither the Seller nor any real estate licensee involved in this transaction is an expert at detecting or repairing

physical defects in the Real Estate. I state that no important representations concerning the condition of the Property are being

relied upon by me except as disclosed above or as fully set forth elsewhere in this Contract.

Buyer(s) Initials: ______/______ Date: ______/______

23b. Remedy: If the Buyer is not, in good faith, satisfied with the condition of the real estate as disclosed by the Buyer’s

inspections, tests and/or reports provided for in paragraph 22, then the Buyer may elect to proceed under the provisions following

in 23(c) or 23(d) as the Buyers remedy.

23c. Agreement to Remedy Period: On or before the end of the Specified Inspection Period, the Buyer shall deliver to the

Seller or the Seller’s Broker, a written request to remedy the unsatisfactory conditions, along with a written copy of the inspections,

tests and/or reports, specifying the unsatisfactory conditions from a qualified inspector.

The Buyer and Seller shall have ____

__ banking days (excluding

Saturday,

Sunday

and

Federal

Holidays) after

the

end

of the

Specified Inspection Period, to reach an agreement regarding remedying the unsatisfactory conditions. This time period shall be

known as the Agreement to Remedy Period. In the event the Buyer and Seller do not reach an agreement regarding remedying

the unsatisfactory conditions within the Agreement to Remedy Period, and the Buyer and Seller have not executed a written

extension of the Agreement to Remedy Period, this contract shall terminate unless the Buyer, in writing, waives such request to

remedy prior to the expiration of the Agreement to Remedy Period. Upon termination of the contract under this provision, the

earnest money deposit shall be returned to the Buyer pursuant to paragraph 12.

The delivery by the Buyer of a written request to remedy any unsatisfactory conditions does not preclude the Buyer from later

delivering a notice of termination (as contemplated by paragraph 23d below) during the Agreement to Remedy Period, unless the

Buyer and Seller have reached a signed agreement regarding the Buyer’s written request to remedy.

23d NOTICE OF TERMINATION: Within the Specified Inspection Period or as provided in paragraph 22 the Buyer may

terminate this contract by delivering written notice of termination to the Seller or Seller’s Broker, along with a written copy of the

inspections, tests and/or reports, specifying the unsatisfactory conditions. Upon termination, the earnest money deposit shall be

returned to the Buyer pursuant to paragraph 12.

Seller(s) Initials: _____________ Date: _____________

Seller(s) Initials: _____________ Date ______________

Buyer(s) Initials: _____________ Date: _____________ Page 5 of 7

Buyer(s) Initials: _____________ Date ______________

Property Address_______________________________________________________________________________________________

23a. Seller shall cooperate in making the premises reasonably available for inspections and/or tests

IT IS NOT THE INTENTION OF THIS PROVISION TO PERMIT THE BUYER TO TERMINATE THIS CONTRACT FOR COSMETIC OR NON-

MATERIAL CONDITIONS.

23e. FAILURE BY BUYER TO NOTIFY SELLER SHALL CONSTITUTE A WAIVER OF SAID DEFECTS AND PURCHASER SHALL TAKE

PROPERTY “AS IS” WITH REGARDS TO SAID DEFECTS. For the purpose of this section, “defects” do not include (1) minor, routine

maintenance and repair items not affecting habitability or (2) matters disclosed to Buyer in writing by Seller before presentation of

this offer, and Seller shall have no obligation to repair any such items unless specifically agreed to in writing. RELEASE: In the

absence of intentional or wanton and willful disregard by Broker, Buyer and Seller release the Broker(s) from any and all liability for

negligence or gross negligence, arising from (a) any action by the Broker(s) in obtaining or recommending an inspector or contractor,

(b) the contents of any inspection report or the work of any contractor, (c) any advice concerning the necessity of any inspections,

(d) any defect or deficiency in the Property and (e) failure to deliver any notice within the time periods provided herein unless

specifically requested to do so. This release shall survive the execution of this Contract and the closing.

24. OHIO’S SEX OFFENDER RE

GISTRATION AND NOTIFICATION LAW: If a sex offender resides in the area, Ohio’s Sex

Offender Registration and Notification Law requires the local sheriff to provide written notice to certain members of the

community. The notice provided by the sheriff is a public record and is open to inspection under Ohio’s Public Records Law.

The Buyer acknowledges that any information disclosed may no longer be accurate. The Buyer assumes responsibility to obtain

accurate information from the sheriff’s office. The Buyer shall rely on the Buyer’s own inquiry with the local sheriff’s office and shall

not rely on the Seller or any Broker involved in the transaction.

25. FAIR HOUSING: It is illegal, pursuant to the Ohio Fair Housing Law, Division (h) of Section 4112.02 of the Ohio Revised Code

and the Federal Fair Housing Law, 42 U.S.C.A. 3601, as amended, to refuse to sell, transfer, assign, rent, lease, sublease or finance

housing accommodations, refuse to negotiate for the sale or rental of housing accommodations, or otherwise deny or make

unavailable housing accommodations because of race, color, religion, sex, familial status as defined in Section 4112.01 of the

Revised Code, ancestry, military status as defined in that section, disability as defined in that section or national origin or to so

discriminate in advertising the sale or rental of housing, in the financing of housing, or in the provision of real estate brokerage

services. It is also illegal, for profit, to induce or attempt to induce a person to sell

or rent a dwelling by representations regarding the

entry into the neighborhood of a person or persons belonging to one of the protected classes.

26. SELLER AND BUYER: Seller and Buyer authorize Broker to disclose information to the Multiple Listing Service, to which

Broker is a member and further authorize the MLS to report this sales information to their participants and affiliates after closing.

Buyer and Seller authorize the broker/agent/s of the Buyer and Seller to report sales and financing concessions data to the MLS sold

database, as applicable and to provide this information to state licensed or certified appraisers researching comps, upon inquiry, to

the extent necessary to adjust price to accurately reflect market value.

TIME IS OF THE ESSENCE: Time is of the essence regarding all provisions of this contract. Whether or not so stated somewhere in

this contract, no deadline or time period under this contract can be modified or waived except by written agreement signed by

both parties.

Seller(s) Initials: _____________ Date: _____________

Seller(s) Initials: _____________ Date ______________

Buyer(s) Initials: _____________ Date: _____________ Page 6 of 7

Buyer(s) Initials: _____________ Date ______________

Property Address_______________________________________________________________________________________________

DEFAULT: Buyer/Seller understands this to be a legally binding contract requiring performance. If the

provisions are not understood, legal advice should be obtained.

UETA: The offer and acceptance herein is binding per the Uniform Electronic Transactions Act (UETA) and/or

the Electronic Signatures in Global and National Commerce Act (ESIGN Act), giving legally binding status to

electronically signed and transmitted documents (Fax, Email, E-Sign, DocuSign, PKI, XLM, (Digital Signatures).

Etc.

Buyer’s printed name _______________________________________ Telephone # ___________________________________

Buyer’s signature ___________________________________________ Address: _______________________________

Date __________________________________________

Buyer’s printed name

_______________________________________ Telephone # ___________________________________

Buyer’s signature ___________________________________________ Address: ___________________________________

Date: ___________________________________________

OWNERSHIP/TITLE IN THE NA

ME OF ____________________________________________________________

Type of deed: general warranty survivorship Other _______________________________

ACTION BY THE SELLER

The undersigned Seller Accepts Rejects Counteroffers the foregoing offer.

_______________________________________________________________________________________________________

Counteroffer shall remain open for acceptance until ______________________ (date) at ________________________

Seller’s printed name __________________________________ Telephone # ______________________________________

Seller’s signature ______________________________________ Address: __________________________________

Date ________________________________________________

Seller’s printed name ___________________________________ Telephone # ________________________________

Seller’s signature ______________________________________ Address: __________________________________________

Date: ________________________________________________

Guernsey-Muskingum Valley Association of REALTORS® June 23, 2015

Property Address_______________________________________________________________________________________________

Page 7 of 7

Download
Save PDF to desktop

Email
Email completed PDF

Send for Signing
Email for others to sign

Print
Print document

NAME

Association of REALTORS PURCHASE AGREEMENT Page 1 of (Guernsey-Muskingum Valley Association of Realtors)

View Audit Log
Print With Audit Log
Duplicate Document

Fill Online, Printable, Fillable, Blank Association of REALTORS PURCHASE AGREEMENT Page 1 of (Guernsey-Muskingum Valley Association of Realtors) Form

Related forms

Fillable Association of REALTORS PURCHASE AGREEMENT Page 1 of (Guernsey-Muskingum Valley Association of Realtors)

Fill Online, Printable, Fillable, Blank Association of REALTORS PURCHASE AGREEMENT Page 1 of (Guernsey-Muskingum Valley Association of Realtors) Form

Related forms

First 20 documents completely FREE!