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File No. 38956 APPRAISERIS CERTIFICATION: The Appraiser certifies and agrees that imum of three meant OF er mast 1 , I have researched the subject id prof area for consideratiove n in athe nsa�s comparison analysis s and phave msmade a similar and proximate to Me subject property if a dotter adjustment when approFnate t reflect the market reaction to those items Of signlfirant vacation have made signifiCeOt Nem in a comparable property is superior to, or more favorable than, the subject Prop rty. comparable ark. 'rf a significant It a negative adjustment t III Me adjusted sales once of WE eincrease e Item in a cOe property Is i himor to, or less favorable than the subject property, I have made a positive adjustment to ese the adjusted sales price of the cOMPamble. 2. 1 have taken int considemtiOrt Me factions Mat have an Impact on value in my development of me estimate of market value in Me appraisal report I have not knowingly wimheld any significant in formefion from the aPPmisal ration and I believe, in the best of my knowedge, that all atatemanis and Information In the appraisal report are mile and correct. 3. 1 stated In the appraisal report only my own personal, unbiased. and professional analysis, opinions, and '.. conclusions, which are subject only In Me contingent and limiting conditions specified in MIs form. 4. I have no present or prospective interest in Me property that is Me subject to this report, and I have no present or prospective personal interest or bias with respect t the perfidpams in me hamaasal l report on me rete color,did 'rot base, either partially or completely, my analyses anmor the estimate of market value in the apprair religion, sex, handicap, familial stems, or national originof either Me pmsPEI Owners IX Oa4LPanLS of the s11 b1eL1 property or Of Me Present owners Or occupants of the pfoperties in the vicinity of the subject property. 5. 1 have no present or contemplated Were interest in Me subject property, and neither my current or Wltie employment nor my compena llon for pertrming this appraisal Is comma ent an me apprelsad value of Me property 6. I was not required to report a predetermined value or direction in value that favors marc usthe p f then a ofWe r any railed party. the amount of the value estimate, me attainment of a specific result, compensation andI employment for performing the appmisai, I did not subsequent event in order to receive my base the appraisal report an a requested minimum value lion, a specific valuation, or me need t approve a specific mortgage loan. T. 1 pertorroed miss appraisal In coMmmity with the Uritim Standards of Professional Appraisal Practice that were adopted and promulgated by Me Appraisal Standards Bland of The APPIEI FOundallOn and that were in Plea Qoes of lM1e Effective date of this as appraisal, what Me exception of the departure provision of Mose Standards, not apply. I acknowledge that an astlmals of a reasonable time for exposure in the open market le a condition In Me tlefinlgon of market value and the estimate I developed Is consistent wim Me marksIng time noted In Me nelghborhaod section of this report, unless 1 have otherwise stated in the reconcitiedon section. e. I have personally Inspected Me Interior and exterior areas of the subject property and Me extemor Of all Properties failed as comperables in Me appralsal report. I further cerfify Mal I have noted any apparent or known adverse candidness in the subject Improvements. an Me subject aIle, or on any site within Meimmediate vic ty Ofs e subject property of which I am aware and have made adjustments for these adverse cOddMOns in my Me property value to Me extent Mat I had market Evidence to support Mem. I have also commented about WE effeU of the adverse conditions on Me marksesepity, of the subject property_ B. 1 personally prepared all conclusions and opinions about Me real "late that were set With In the appraissal repof `he rform If I reified on sassistance lgrificent professional from any Individual or Individuals in the pe report, 1 have named such individual(s) and disclosed the spedflc tasks appraiser or Me preparation of ma ePPmrsal pertormed by themthe reconciliation section of WE appraisal report. tartly that nem ny individual ED �eretres qualified t Pedo^n the seeks. have not authorized anyone to make a change ro any clan unauttronzed change is made to the appraisal report, I will take no responsibility for It. SUPERVISORY APPRAISER'S CERTIFICATION: If a supervisory appraiser signed pro appraisal aced he or appraisal she he certlfies and a9reas met: I dini superyort, ise the appraiser who prepared Me appraisal rep report, agree with the statements end conclusions; of the app shear, agate t be bound by the appraiser's codifications numbered 4 through ] above, and am taking full responsibility to appraisal and the appraisal report ADDRESS OF PROPERTY APPRAISED: 66004TH ST VERO BEACH FL 32968 APPRAISER: `�(r /� SUPERVISORY APPRAISER (only If required): StgnaNre' SigndWre: Name: Name: PETER D. ARMFIELO Date signal Daresgned: MARCH6 2006 State CeMfinalion #: sultaeedi4cation #_ STCERTGENREAft000D524 or state License V. or State L'x:ense #. state' Slate: FL Expiration Date of Gaif or License: Expimtlon Date of CedRaUon or Liconse: '1113012006 D Old � d Not Nol aspect Property Freddie Mae Form 439 6'93 Pa13e 2 ort Fannie Mae Form 10068 6-93