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CERTIFICATION OF THE APPRAISER <br /> 3 The undersigned does hereby certify that,except as otherwise noted in this appraisal report: <br /> 1. I have personally inspected the property appraised. <br /> 2. I have no present or contemplated future interest in the real estate that is the subject of this <br /> report. <br /> 3. I have no personal interest or bias with respect to the subject matter of this appraisal report or <br /> the parties involved. <br /> 4. To the best of my knowledge and belief, the statements of fact contained in this appraisal <br /> report, upon which the analysis, opinions and conclusions expressed herein are based, are true <br /> and correct. <br /> 5. This appraisal report sets forth all of the limiting conditions (imposed by the terms of my <br /> assignment or by the undersigned) affecting the analysis, opinions and conclusions contained <br /> in this report. <br /> 6. This appraisal report has been made in conformity with and is subject to the requirements of <br /> the Code of Professional Ethics and Standards of Professional Conduct of the Appraisal <br /> Institute. <br /> 7. No one other than the undersigned prepared the analysis,conclusions and opinions concerning <br /> real estate that are set forth in this appraisal report. <br /> 8. The amount of my fee is not contingent upon reporting a predetermined value, or upon the <br /> amount of the value estimate. <br /> 9. This appraisal assignment was not based on a requested minimum valuation, a specific <br /> valuation,of the approval of a loan. <br /> Disclosure of the contents of this appraisal report is governed by the By-Laws and Regulations of <br /> the Appraisal Institute. <br /> Neither all nor any part of the contents of this report (especially any conclusions of value, the <br /> identity of the Appraiser or firm with which he is connected,or any reference to the Appraisal Institute, <br /> or to the MAI designation), shall be disseminated to the public through advertising media, public <br /> relations media, news media, sales media, or any other public means of communication without prior <br /> written consent and approval of the undersigned. <br /> The Appraisal Institute conducts a voluntary program of continuing professional education for its <br /> designated members. MM members who meet the minimum standards of this program are awarded <br /> periodic educational certification. As of the date of this report,I Jerome E.Michaels,have completed <br /> the requirements under the continuing education program of the Appraisal Institu/t¢. �� <br /> Dated: 2.2_-/ <br /> f Jerome E.Michaels,MAI <br /> 3 <br />