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m <br />I certify that I have personally examined the property appraised <br />and the statements contained in this appraisal and upon which my opinion <br />is expressed herein are true and correct to the best of my knowledge. <br />I further certify that I have no present or prospective interest <br />in the described property contained herein and the valuation stated <br />represents my independent opinion free from any commitments_ <br />Date: <br />Reginald R. Howard, Appraiser <br />- 2- <br />