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We certify that, to the best of our knowledge and belief: <br />^ The statements of fact contained in this report are true and conect. <br />^ The reported analyses, opinions, and conclusions aze limited only by the reported <br />assumptions and limiting conditions, and are our personal, unbiased professional analyses, <br />opinions, and conclusions. <br />^ We have no present or pmspective personal interest in the properiy that is the subject of this <br />report, and we have no personal interest or bias with respect to the parties involved. <br />^ Our compensation is not contingent upon the reporting of a predetermined value or direction <br />in value that favor the cause of the client, the amount of the value estimate, the attainment <br />of a stipulated result, or the occurrence of a subsequent event. <br />^ The appraisal assignment was not based upon a requested minimum valuation, or specific <br />valuation, or approval of a loan. Employment of the appraisers was not contingent upon the <br />appraisal producing a specific value, or a value within a given range. <br />^ Our analyses, opinions, and conclusions were developed, and this report has been prepared <br />in conformance with the requirements of the Code of Professional F~thics and Standards of <br />Professional Appraisal Practice of the Appraisal Institute, and the Unifornt Standanis of <br />Professional Appraisal Pracdce as set forth by the Appraisal Standards Board of the <br />Appraisal Foundation. - <br />^ We, Terry A. Gardne,r, MAI, SRA, and Donald R Palmer, MAI, have made a personal site <br />inspection of the property that is the subject of this report, as well as the exterior of the <br />comparables. _ <br />^ Except as noted herein, no one provided significant professional assistance to the persons <br />signing this report. <br />The use of this report is subject to the requirements of the Appraisal Institute relating to review <br />by its duly authorized representatives. <br />As of the date of this report, we, Terry A. Gardner, MAI, SRA, and Donald R. Palmer, MAI, <br />are currently certified under the continuing educa ' program of the Appraisal Institute. <br />~~ , <br />Terry A. er, MAI, SRA <br />OR State Certified General Appraiser <br />No. C000188 <br />Donald R. Palmer, MAI <br />OR State Certified General Appraiser <br />No. C000060 <br />C98052 PALMER, GROTH & PIETKA, INC. 19 <br />