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state, or federal governments has been obtained or can be renewed. <br /> 13. It is assumed that the subject improvements are within the stated boundaries, and that there <br /> are no encroachments on neighboring property, or neighboring encroachments on the <br /> subject property, unless otherwise stated in this report. <br /> 14. The existence of potentially hazardous material such as urea- formaldehyde foam insulation, <br /> asbestos, existence of toxic water, toxic waste, or radon gas may have an effect on the <br /> value of the property. The Appraiser is not qualified to determine if such substances are <br /> present. The client may wish to consult an expert in this field. <br /> 15. Acceptance of or use of this appraisal report constitutes an understanding of and <br /> acceptance of these assumptions and limiting conditions. <br /> 5 <br />