1. Multi-families, farms, lots, modular homes and rural homes.

2. Homes outside Star One's primary market area.

3. Homes with mortgage balances greater than their market value.

4. Homes in areas with an overabundance of comparable listings available.

5. Homes listed with other real estate companies.

6. Properties with code violations, toxic materials, or other conditions which adversely affect marketability.

TO BE DECIDED ON A CASE-BY-CASE BASIS:

1. Condominiums.

2. Properties with wells, septic or aerobic systems.

3. Properties already marketed for over 90 days.

4. Homes with swimming pools.