2. As an assistant vice president and regional
account manager for Fidelity National Title
Insurance Company in St. Cloud, Washington,
Carmen Arruda assists clients with short sales,
loan mediation, and loan modifications. In
addition to her work with the title and escrow
company, she holds real estate licenses in
Washington and California. As part of her work,
Carmen Arruda belongs to several industry
organizations, including the St. Cloud Area
Association of Realtors.

3. Established to assist realtors in the St. Cloud,
Minnesota, area by providing promotions, news,
and networking, the St. Cloud Area Association
of Realtors (SCAAR) keeps members up to
date on local housing trends and changes made
to continuing education requirements. It also
sends out newsletters at least twice per year to
inform members of affiliate office openings and
member transfers.

4. The SCAAR regularly hosts events and social
gatherings for members to become acquainted
or reconnect. One such event is a new member
orientation, which will take place on October 2,
2014. Occurring from 9:00 a.m. to 1:00 p.m. at
the Bank of America Building in Sartell,
Minnesota, the event is for new agents, and
they receive code-of-ethics training. New
members must attend one of these meetings
within six months of joining SCAAR, and they
obtain four hours of continuing education credit.