CONTINUING EDUCATION COURSE STUDENT INSTRUCTIONS/GENERAL INFORMATION

For Courses presented by:
Real Estate License Services
A RELSTONE® Company

5059 Newport Ave # 209, San Diego CA 92107
(619) 222-2425 // Email: [email protected]
California Department of Real Estate (DRE)

DRE Sponsor No. 1035

1) These courses are presented as correspondence/internet presentation consisting of text reading,
mandatory quiz questions and a final exam for each booklet &/or textbook.
2) If you enrolled in the 15 hours of continuing education (Agency; Ethics, Professional Conduct, and Legal
Aspects of Real Estate; Fair Housing; Trust Fund Accounting and Handling and Risk Management for
Real Estate Professionals) the minimum time to complete these courses is two days from the date you
have access to the course material. However, if you have enrolled in the 45 hours of continuing
education (Selling Business Opportunities in California or Mortgage Lending along with the courses:
Agency; Ethics, Professional Conduct, and Legal Aspects of Real Estate; Fair Housing; Trust Fund
Accounting and Handling; Risk Management for Real Estate Professionals; Real Estate Management
and Supervision; and the new Implicit Bias then the minimum time you may start taking the exams is
two days from time of enrollment if text material is delivered online, or six days if enrollment involves
delivery of books with no online delivery of text material. The maximum time limit to complete the 15
hours &/or 45 hours CE courses is twelve (12) months from the date of enrollment.
3) The Department of Real Estate provides a Course & Instructor Evaluation form on the California
Department of Real Estate Website for students to evaluate and make suggestions. The evaluation can
be accessed on the DRE website www.dre.ca.gov Click on “Forms” and you may print form “RE318A”
to give your input.
4) The price for this package is no more than $117.00 when bundled with up to all 8 C.E.  courses with
printed books. This course will sometimes be sold for less when it is combined with other courses or at
times of special discounts offered by Real Estate License Services.
5) All our course booklets are written by RELSTONE® and are 2023-2025 copyrighted.
6) Agency (40 pages) in the category of AGENCY (3 Credit Hours); Ethics, Professional Conduct, and
Legal Aspects of Real Estate (37 pages) in the category of ETHICS (3 Credit Hours); Fair Housing (35
pages) in the category of FAIR HOUSING (3 Credit Hours); Trust Fund Accounting and Handling (43
pages) in the category of TRUST FUND HANDLING (3 Credit Hours); Risk Management for Real Estate
Professionals (40 pages) in the category of RISK MANAGEMENT (3 Credit Hours); Real Estate
Management and Supervision (42 pages) in the category of MANAGEMENT AND SUPERVISION (3
Credit Hours) and Implicit Bias (33 Pages) in the category of IMPLICIT BIAS TRAINING (2 Credit
Hours). The courses for Selling Business Opportunities in California Part 1 (13 Credit Hours) & Part 2
(12 Credit Hours) 5th Edition (305 pages combined) are approved in the category of “Consumer
Protection” as well as Mortgage Lending Part 1 (13 Credit Hours) & Part 2 (12 Credit Hours) 2nd Edition
(345 pages combined) both parts approved in the category of “Consumer Protection.”
MANDATORY QUIZZES: Beginning January 1, 2011, the DRE Regulations mandate that quizzes be
taken for each correspondence course prior to the final exam. The quiz answers do not count toward
your final course grade; however, you may not proceed to the final exam until your quiz answers have
been submitted to us. The quiz answers may be submitted on paper or over the Internet. You may
access your quiz questions on the Internet by going to www.RELSTONEexams.com or you may use
the printed quiz questions which come with the printed books and mark your answers on the separate
quiz answer form if you order your text material in book form rather than reading your text material on
the Internet. In no case may you see the quiz answers before you take the mandatory quizzes. If you
take the quizzes online, then you will be provided with the correct answer(s) to any questions you miss,
along with the page and paragraph number where the topic of that question and answer may be found.
If you do your quizzes on paper, then you MUST send the answers to us by mail to: 5059 Newport Ave
# 209 San Diego CA 92107 and you must include a self-addressed stamped envelope in which we will return the answers to the quiz questions. If the quiz is not taken online, we will not provide quiz answers unless a self-addressed stamped envelope is provided.

Final Examination:
The examination consists of 15 multiple-choice questions each for Management and Supervision;
Agency, Ethics, Fair Housing, Trust Fund Handling, and Risk Management. You must complete each
test within 15 minutes. As for the new required course ‘Implicit Bias’ the exam consists of 10 multiple-
choice questions, and you must complete within 10 minutes.
If you are enrolled in more than 15 hours of approved continuing education, please be aware that DRE
regulations “Do not permit taking more than 15 hours credit of C.E. finals in one 24-hour period.”
The number of questions on the final examination for the Consumer Protection CE courses is as follows:
Business Opportunities Part 1 & Part 2 OR Mortgage Lending Part 1 & 2 each part consists of 40
multiple-choice questions, and you must complete the exam for each part within 40 minutes.
**WRITTEN FINAL EXAMINATION: Once the mandatory quizzes have been completed, and you wish
to take your final exam on paper instead of on the Internet, please fill out the form “Request To Take
Final Exam.” You may mail this form to Real Estate License Services, 5059 Newport Ave., #209, San
Diego, California 92107, or fax to (619) 222-8593. Real Estate License Services will arrange for your
final exam with a test administrator. If your final exam is not online, course provider will select a test
administrator for you.
Your test administrator will be instructed to verify your identity before the administration of the final
examination by asking you (the student) to show one of the following: (a) current California driver
license. (b) current California ID. (c) another identification issued by a governmental agency or a
recognized real estate related trade organization which bears a photograph, signature and identification
number of the student, issued within the immediately preceding five years.
When you finish the test(s), if your final exam is not online, turn it in to the test administrator, who will
mail it to Real Estate License Services. The test administrator will need to include a photo copy of the
student’s current California Driver License OR California ID OR another identification issued by a
governmental agency or a recognized real estate related trade organization which bears a photograph,
signature and identification number of the student, issued within the immediately preceding five years.
The questions used for the final exam(s) must be mailed to Real Estate License Services, 5059 Newport
Ave # 209, San Diego CA 92107, along with the answers.
If you fail a final exam, you must re-test and take another final (which will have questions different than
the first exam). If you failed both exams, then you must reenroll in the course and begin over again. A
fee of up to $40 may be charged to reenroll in any one course.
**ONLINE FINAL EXAMINATION: Before reviewing any course material online, DRE requires you to
acknowledge, under penalty of perjury, that you are the person enrolled, and you will be the only person
to complete the course.
You will be required to enter your CA Driver License# or CA ID# or Passport ID NUMBER right
before taking the final exam(s) via the Examination System Login Portal, as per DRE regulations.
The minimum study time, beginning from your course enrollment date is 48 hours (two days) reading
and studying; completing the quizzes, before being able to take up to 5 CE Courses (the small 3 hour
courses) of the 45-hour program (Agency, Ethics, Fair Housing, Trust Funds; and Risk Management)
then 48 hours (4 days) after reading and studying and taking the quizzes; you may take the 2 nd 1/3 of the
45 hours program Selling Business Opportunities, Part 1 and the IMPLICIT BIAS final exams. And
finally, finish up with the Selling Business Opportunities, Part 2 along with the RE Management and
Supervision course in which after 144 hours (6 days) of registration time may the student take his/her
last and final exam, given the fact that all studying, and mandatory quizzes have been completed. Same process if you enrolled in the Mortgage Lending Part 1 & 2 combo (Mortgage Lending Part 1 final exam may be taken in the same day as Implicit Bias; Mortgage Lending Part 2 final exam may be taken in the same day as RE Management & Supervision course final exam. Quizzes are mandatory and available online immediately after enrollment. Quizzes are not timed and

there is no minimum passing score. You have unlimited quiz attempts. You will receive the correct
answers to the ones you missed. Once the mandatory quizzes have been completed, and you wish to
take your final exam online, you must go to the Examination System: www.RELSTONEexams.com and
log in using your DRE 8-digit license number (or password you selected when you placed your order)
and the email address you provided when you first enrolled.
During the administration of each exam, a timer is displayed to indicate to you, the student, the
remaining time allowed to complete the current exam. In addition to the time, there is a display
indicating the number of questions that remain unanswered at any given time. The background of the
timer is green. When there are only five minutes remaining the background timer turns yellow. When
there is only one-minute remaining, the background of the timer turns red, and a warning is displayed
telling you, the student to submit your answers immediately. If the timer has expired, you may no longer
make changes to your exam or manually submit it for grading; the exam system will capture the answers
you already have made and submit them automatically for grading.
When the exam is completed and submitted, it is immediately graded, and the results are provided
within seconds; letting you know how you performed. If the exam is not completed successfully, then the
student may attempt to take Version B Exam (the make-up test) if the score is lower than 70% again for
the 2 nd time, then you, the student must Click on the Screen to Re-Enroll in the course and begin over
again. Waiting 48 hours before taking the exam again and during the 48 hours waiting period must re-
read and study the course booklet, re-do the mandatory quizzes (Quiz Sections) when instructed before
taking the test in 48 hours (2 days later).
We have programmed our Multi-Media presentation to prevent you, the student, from accessing your
final exams until the appropriate DRE –mandated time periods have passed, after you received the text
material, and once the mandatory quizzes have been completed. The finals are automatically setup for
you online when you first enroll, but exam questions may not be accessed online until the appropriate
time periods for the courses have passed: 2 days from the date the student had access to the course
material for any or all the six courses for the three hours credit each (Agency, Ethics, Fair Housing,
Trust Funds, Risk Management and including Management & Supervision) and 6 days for the 45 hours
combinations (Business Opportunities combo OR Mortgage Lending combo). Implicit Bias 2 hour
course may be completed within the 6 days or thereafter.

GRADING OF THE FINAL EXAM AND ISSUING OF CERTIFICATES: A passing grade is based on a
minimum passing score of 70% on the open book final exams. Only the final examination grade is used
in determining the student’s overall grade. If you took and passed your final exam on paper, an official
certificate of completion will be mailed to you within two weeks after receipt of your completed final
examination.
If you took your final exam on the Internet, you may print your certificate of completion for up to six (6)
months after you passed. But before displaying and printing the completion certificate 8-digit number,
you must fill out “Affidavit of Student” (which serves as an online signature) –We asked YOU, the
student to type in your name, to provide a Government Issued ID#, to specify the Type of ID, and to
Acknowledge (Affirm all is True) DRE requires you to acknowledge, under penalty of perjury, that you
are the person who enrolled and did all the work; completing quizzes and exams. In order to complete
all courses. Please note: You are responsible for reporting your course completion to DRE.

When it is time for renewal of your license, most of the time the California Department of Real Estate
(“DRE”) will mail you a reminder renewal letter. DRE requires that the Continuing Education Course
Verification (RE251) form be used by a licensee upon license renewal, along with other necessary
renewal documents. OR you may go to www.dre.ca.gov and file your renewal online, using “eLicensing”
(You are responsible for reporting your course completion to DRE; DRE does not accepts course
completions directly from schools.) Please put on the application RE251 the eight digit DRE Certificate
Number for each course, found on your certificate (do not mail the certificate to the DRE). Additional
certificates are $15.00 each. If you wish to renew your real estate license online instead of on paper,
you may do so, by registering for “eLicensing” on the California Department of Real Estate homepage
at: www.dre.ca.gov

REFUNDS: Students may apply in writing to REAL ESTATE LICENSE SERVICES, mailing address,
5059 Newport Ave., #209, San Diego, California 92107 within 15 days from the date of enrollment and
cancel and receive a refund for the full tuition. All REAL ESTATE LICENSE SERVICES materials must
be returned in good condition at the time of cancellation; the materials should not be soiled, torn or
marked upon. A charge of $25 may be withheld if any materials are not in resaleable condition. Refunds
are not allowed if any work has been submitted.

RE-ENROLLMENTS: If the course has not been completed within twelve (12) months of enrollment, the
student must re-enroll and begin the course over again in order to complete the course. IN NO CASE
MAY THE PERIOD OF ENROLLMENT EXTEND BEYOND TWELVE (12) MONTHS. If the student has
not completed the course within 12 months from the original date of enrollment, the enrollment expires.
The student may re-enroll under such circumstances for a discounted re-enrollment fee of
$40.00 per course.

TRANSFERS: Courses may be transferred to another person by paying a transfer fee of $30.00 per
course. Transfers are not allowed if any work has already been submitted.

COURSE PROVIDER COMPLAINT STATEMENT:
A Course provider complaint form is available on the California Department of Real Estate (DRE)
website at www.dre.ca.gov. Access this form by typing “RE340” in the search box located in the upper
right corner of the home page. An information form regarding course provider complaints, “RE340A” is
also available.

DISCLAIMER
THIS COURSE IS APPROVED FOR CONTINUING EDUCATION CREDIT BY THE
CALIFORNIA DEPARTMENT OF REAL ESTATE. HOWEVER, THIS APPROVAL DOES
NOT CONSTITUTE AN ENDORSEMENT OF THE VIEWS EXPRESSED BY THE COURSE
SPONSOR, INSTRUCTOR, AUTHORS, OR LECTURERS. CONTINUING EDUCATION COURSE DESCRIPTION:

Implicit Bias
This two-hour Implicit Bias course describes situations when people, without their conscious knowledge, have attitudes toward others or associate stereotypes with certain people. It offers extensive coverage of real estate broker and
salesperson education regarding the impact of implicit bias, explicit bias, and systemic bias on consumers. It explains how unconscious bias, if not recognized or unexamined, can result in conduct that impacts some groups in positive ways and others in negative ways. The course covers the historical and social impacts of those biases and presents actionable steps students can take to recognize and address their own implicit biases.
Ethics, Professional Conduct and Legal Aspects of Real Estate
This course covers ethics, professional conduct, and legal aspects of real estate, including enforcement of real estate law, examples of unlawful conduct, discrimination, other state laws and regulations, federal rules and more.
Agency Covers the existence, the creation, the effects of agency; relationship, and statutory duties of the agent, agency liabilities, agency contracts, and agency relationships in modern brokerage practice, including a review of duties, disclosures and confidences in each. Trust Fund Accounting & Handling
Covers trust fund accounting and handling, including a background of trust funds, managing trust fund bank
accounts, maintaining accounting records, reconciling balances of accounting records, documentation requirements, what to expect in an audit or examination, and recording transactions. Also includes twelve simulated DRE trustaccount forms, entries and reports.

Fair Housing

Course covers the Federal Fair Housing Act, the Civil Rights Acts, Americans with Disabilities Act, California Fair
Employment and Housing Act, DRE Commissioner’s regulations 2780-2782, the Equal Credit Opportunity Act, the Housing Financial Discrimination Act of 1977, and more.

Risk Management for Real Estate Professionals
This course explains the concept of risk as it relates to the business of real estate. It describes the types of risk that
real estate professionals will encounter – economics risk, property market risk, and professional and public liability risk. The course covers proper contract preparation and state regulations regarding the handling of trust funds. All required disclosures are presented and explained. The course details the duties of licensed real estate agents with respect to the law of agency, advertising, fair housing, privacy issues, and anti-trust issues. Finally, agents are made aware of predatory lending in home mortgage lending practices.
Real Estate Management and Supervision. This three-hour course offers extensive coverage of broker management and supervision practices to comply with the provisions of California’s Business and Professions Code, as well as the regulations of the Real Estate Commissioner. It provides guidance on how to manage and supervise real estate offices, salespersons, and broker associates. Students will review management practices in general, the accountability of brokers for their salespersons through the common law of agency, and the policies, rules, procedures, and systems that will help ensure compliance with California law regulating brokers and salespersons. Selling Business Opportunities in California, Part 1 & 2
These two courses, totaling 25 hours of “consumer protection” credit for renewal of a California real estatelicense
(salesperson or broker), is part of the continuing education requirement. Covers business opportunities and the real estate licensee, how to obtain an authorization to sell a business opportunity, establishing value, financial
statements, customers, bulk sales law, allocation of purchase price, corporate sales, alcoholic beverage control
licenses, escrow, doing business in California, business taxes, discrimination and more. Mortgage Lending, Parts 1 & 2 These two courses, totaling 25 hours of “consumer protection” credit for renewal of a California real estate license (salesperson or broker), is part of the continuing education requirement. Traces significant changes in mortgage lending as the real estate markets and sources of financing have changed over the last 60 years. No prior experience with mortgage lending is required to understand these courses. Included are chapters on: The Mortgage Market; Types of Loans; The Real Property Contract and Escrow; The Lending Process; Title Insurance; Closing and Property Transfers; Real Estate Economics; FHA and VA Lending; Mortgage Brokers and Wholesale Lending; Financial and Mathematical Concepts of Mortgage Lending; Regulatory Compliance; Ethics in Mortgage Lending; and Mortgage Lending in California.