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<br />I <br />I <br /> <br />FIRREA STATEMENT <br /> <br />As per FIRREA bulletin #94-55, last updated June 7, 1994, the GCC, FRE, FDIC and <br />OTS have agreed to reduce the original FIRREA supervisory appraisal standards from 14 to 5. <br />The accompanying appraisal does meet or exceed the following FIRREA Standards: <br /> <br />1. Complies with Uniform Standards for Professional Appraisal Practice (USPAP). <br /> <br />I <br />i ' <br /> <br />2. <br /> <br />Is sufficiently written and informative to support the institution's lending decision. <br /> <br />3. Analysis, deductions and/or discounts are appropriately discussed, when necessary. <br /> <br />4. Is based on the definition of Market Value as stated earlier in this appraisal. <br /> <br />5. This appraisal was performed by a State licensed or Certified appraiser. <br /> <br />I <br />I ~ - <br /> <br />t':-_:-::::','~ ___ ~':;:~'.";':~~:::'>J;~';~~~,;;~'~"":l;;'~~:";:::-'~~ir:-c;;~.?~~:~~,)':';f;..;;!.~~~',;-,,~;":,_~,;,;;;-;~::':;;;';;::';S;~~;"-':'~.~'~~,:.:.:-~c:~~:g;:;:~:";'";.~~.;...:;;-:0~:;~~',~-~7,';"-:~~--=1.:z:~.;.:g::.:.;,;;~:~~,:~,<';;.;;;'-_,--,,l,:;;__:,::,,,:,-:,-;~~',;.[:.:":-::,d.:::t:;;r,.';;'L~;'~.~~';';~,C~;'~~.J::~~~~';';:;;;:~;~'l <br /> <br />40 <br />