Form SC1 — WinTOTAL appraisal software by a la mode, inc ...

Form SC1 — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODEForm SC1 — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

Page #1Main File No. 6306929

LOCATED AT:

FOR:

AS OF:

BY:

Form GA1 — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

1102 N 11th StWhitla Add to CDA, S 140 Ft-Lt 5 Blk 3 13 50N 04W

Coeur D Alene, ID 83814

Bayview Loan Servicing

03/06/2017

Kevin M. HandlenAnderson Appraisals, LLC.

APPRAISAL OF REAL PROPERTY

Form GA1 — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

1102 N 11th StWhitla Add to CDA, S 140 Ft-Lt 5 Blk 3 13 50N 04W

Coeur D Alene, ID 83814


03/06/2017

Kevin M. HandlenAnderson Appraisals, LLC.

APPRAISAL OF REAL PROPERTY

LOCATED AT:

FOR:

AS OF:

BY:




File No.Property AddressCity County State Zip Code

TABLE OF CONTENTS

6306929Turner, Adam and Cardella1102 N 11th StCoeur D Alene Kootenai ID 83814Bayview Loan Servicing

Addendum ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Cover Page ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Addendum ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Addendum ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................USPAP Identification ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Summary of Salient Features ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................URAR ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Additional Comparables 4-6 ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Real Estate Owned (REO) Addendum ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Market Conditions Addendum to the Appraisal Report ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Supplemental Addendum ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Comparable Photos 1-3 ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Comparable Photos 4-6 ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Land Listing Photos 1-3 ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Environmental Addendum - Appraiser ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................UAD Definitions Addendum ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Scanned Document ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Scanned Document ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Scanned Document ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Building Sketch (Page - 1) ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Building Sketch (Page - 2) ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Location Map ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Flood Map ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Location Map ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

123456713141516181920212223242526272829303132333435363738394041434647484950515253

Form TOCP — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

Borrower/Client

Lender


Addendum ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Cover Page ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Addendum ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Addendum ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................USPAP Identification ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Summary of Salient Features ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................URAR ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Additional Comparables 4-6 ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Real Estate Owned (REO) Addendum ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Market Conditions Addendum to the Appraisal Report ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Supplemental Addendum ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Subject Photos ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Comparable Photos 1-3 ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Comparable Photos 4-6 ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Land Listing Photos 1-3 ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Environmental Addendum - Appraiser ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................UAD Definitions Addendum ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Scanned Document ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Scanned Document ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Scanned Document ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Building Sketch (Page - 1) ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Building Sketch (Page - 2) ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Location Map ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Flood Map ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Location Map ....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................

123456713141516181920212223242526272829303132333435363738394041434647484950515253

Form TOCP — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

Borrower/Client

Lender


TABLE OF CONTENTS




This Report is one of the following types:

Appraisal Report (A written report prepared under Standards Rule , pursuant to the Scope of Work, as disclosed elsewhere in this report.)

RestrictedAppraisal Report

(A written report prepared under Standards Rule , pursuant to the Scope of Work, as disclosed elsewhere in this report,restricted to the stated intended use by the specified client or intended user.)

APPRAISER:

Signature:Name:

State Certification #:or State License #:State: Expiration Date of Certification or License:Date of Signature and Report:Effective Date of Appraisal:Inspection of Subject: None Interior and Exterior Exterior-OnlyDate of Inspection (if applicable):

SUPERVISORY or CO-APPRAISER (if applicable):

Signature:Name:

State Certification #:or State License #:State: Expiration Date of Certification or License:Date of Signature:

Inspection of Subject: None Interior and Exterior Exterior-OnlyDate of Inspection (if applicable):

Turner, Adam and Cardella 63069291102 N 11th StCoeur D Alene Kootenai ID 83814Bayview Loan Servicing

APPRAISAL AND REPORT IDENTIFICATION

2-2(a)

2-2(b)

Comments on Standards Rule 2-3I certify that, to the best of my knowledge and belief:— The statements of fact contained in this report are true and correct.— The reported analyses, opinions, and conclusions are limited only by the reported assumptions and limiting conditions and are my personal, impartial, and unbiased professionalanalyses, opinions, and conclusions.— Unless otherwise indicated, I have no present or prospective interest in the property that is the subject of this report and no personal interest with respect to the parties involved.— Unless otherwise indicated, I have performed no services, as an appraiser or in any other capacity, regarding the property that is the subject of this report within the three-yearperiod immediately preceding acceptance of this assignment.— I have no bias with respect to the property that is the subject of this report or the parties involved with this assignment.— My engagement in this assignment was not contingent upon developing or reporting predetermined results.— My compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of theclient, the amount of the value opinion, the attainment of a stipulated result, or the occurrence of a subsequent event directly related to the intended use of this appraisal.— My analyses, opinions, and conclusions were developed, and this report has been prepared, in conformity with the Uniform Standards of Professional Appraisal Practice that werein effect at the time this report was prepared.— Unless otherwise indicated, I have made a personal inspection of the property that is the subject of this report.— Unless otherwise indicated, no one provided significant real property appraisal assistance to the person(s) signing this certification (if there are exceptions, the name of eachindividual providing significant real property appraisal assistance is stated elsewhere in this report).

Comments on Appraisal and Report IdentificationNote any USPAP related issues requiring disclosure and any State mandated requirements:

Kevin M. Handlen

CRA-2683

ID 08/18/201703/08/2017

03/06/2017

03/06/2017

Form ID14 — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

Borrower/Client

Lender

Turner, Adam and Cardella 63069291102 N 11th StCoeur D Alene Kootenai ID 83814Bayview Loan Servicing

APPRAISAL AND REPORT IDENTIFICATION

2-2(a)

2-2(b)

Comments on Standards Rule 2-3I certify that, to the best of my knowledge and belief:— The statements of fact contained in this report are true and correct.— The reported analyses, opinions, and conclusions are limited only by the reported assumptions and limiting conditions and are my personal, impartial, and unbiased professionalanalyses, opinions, and conclusions.— Unless otherwise indicated, I have no present or prospective interest in the property that is the subject of this report and no personal interest with respect to the parties involved.— Unless otherwise indicated, I have performed no services, as an appraiser or in any other capacity, regarding the property that is the subject of this report within the three-yearperiod immediately preceding acceptance of this assignment.— I have no bias with respect to the property that is the subject of this report or the parties involved with this assignment.— My engagement in this assignment was not contingent upon developing or reporting predetermined results.— My compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of theclient, the amount of the value opinion, the attainment of a stipulated result, or the occurrence of a subsequent event directly related to the intended use of this appraisal.— My analyses, opinions, and conclusions were developed, and this report has been prepared, in conformity with the Uniform Standards of Professional Appraisal Practice that werein effect at the time this report was prepared.— Unless otherwise indicated, I have made a personal inspection of the property that is the subject of this report.— Unless otherwise indicated, no one provided significant real property appraisal assistance to the person(s) signing this certification (if there are exceptions, the name of eachindividual providing significant real property appraisal assistance is stated elsewhere in this report).

Comments on Appraisal and Report IdentificationNote any USPAP related issues requiring disclosure and any State mandated requirements:

Kevin M. Handlen

CRA-2683

ID 08/18/201703/08/2017

03/06/2017

03/06/2017

Form ID14 — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

Borrower/Client

Lender


This Report is one of the following types:

Appraisal Report (A written report prepared under Standards Rule , pursuant to the Scope of Work, as disclosed elsewhere in this report.)

RestrictedAppraisal Report

(A written report prepared under Standards Rule , pursuant to the Scope of Work, as disclosed elsewhere in this report,restricted to the stated intended use by the specified client or intended user.)

APPRAISER:

Signature:Name:

State Certification #:or State License #:State: Expiration Date of Certification or License:Date of Signature and Report:Effective Date of Appraisal:Inspection of Subject: None Interior and Exterior Exterior-OnlyDate of Inspection (if applicable):

SUPERVISORY or CO-APPRAISER (if applicable):

Signature:Name:

State Certification #:or State License #:State: Expiration Date of Certification or License:Date of Signature:

Inspection of Subject: None Interior and Exterior Exterior-OnlyDate of Inspection (if applicable):


SUMMARY OF SALIENT FEATURES

SUBJ

ECT

INFO

RMAT

ION

Subject Address

Legal Description

City

County

State

Zip Code

Census Tract

Map Reference

SALE

S PR

ICE

Sale Price

Date of Sale

$

CLIE

NTDE

SCRI

PTIO

N OF

IMPR

OVEM

ENTS

Size (Square Feet)

Price per Square Foot

Location

Age

Condition

Total Rooms

Bedrooms

Baths

$

APPR

AISE

R Appraiser

Date of Appraised Value

VALU

E

Final Estimate of Value $

Form SSD — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

1102 N 11th St

Whitla Add to CDA, S 140 Ft-Lt 5 Blk 3 13 50N 04W

Coeur D Alene

Kootenai

ID

83814

0015.00

Turner, Adam and Cardella


2,308

N;Res;Urban

108

C3

9

4

2

Kevin M. Handlen

03/06/2018

300,000

Borrower/Client

Lender

Form SSD — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

1102 N 11th St

Whitla Add to CDA, S 140 Ft-Lt 5 Blk 3 13 50N 04W

Coeur D Alene

Kootenai

ID

83814

0015.00

Turner, Adam and Cardella


2,308

N;Res;Urban

108

C3

9

4

2

Kevin M. Handlen

03/06/2018

300,000

Borrower/Client

Lender

SUMMARY OF SALIENT FEATURES

SUBJ

ECT

INFO

RMAT

ION

Subject Address

Legal Description

City

County

State

Zip Code

Census Tract

Map Reference

SALE

S PR

ICE

Sale Price

Date of Sale

$

CLIE

NTDE

SCRI

PTIO

N OF

IMPR

OVEM

ENTS

Size (Square Feet)

Price per Square Foot

Location

Age

Condition

Total Rooms

Bedrooms

Baths

$

APPR

AISE

R Appraiser

Date of Appraised Value

VALU

E

Final Estimate of Value $


Uniform Residential Appraisal Report File #

SUB

JEC

TC

ON

TRA

CT

NEI

GH

BO

RH

OO

DSI

TEIM

PRO

VEM

ENTS

The purpose of this summary appraisal report is to provide the lender/client with an accurate, and adequately supported, opinion of the market value of the subject property.Property Address City State Zip CodeBorrower Owner of Public Record CountyLegal DescriptionAssessor's Parcel # Tax Year R.E. Taxes $Neighborhood Name Map Reference Census TractOccupant Owner Tenant Vacant Special Assessments $ PUD HOA $ per year per monthProperty Rights Appraised Fee Simple Leasehold Other (describe)Assignment Type Purchase Transaction Refinance Transaction Other (describe)Lender/Client AddressIs the subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal? Yes NoReport data source(s) used, offering price(s), and date(s).

I did did not analyze the contract for sale for the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the analysis was notperformed.

Contract Price $ Date of Contract Is the property seller the owner of public record? Yes No Data Source(s)Is there any financial assistance (loan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behalf of the borrower? Yes NoIf Yes, report the total dollar amount and describe the items to be paid.

Note: Race and the racial composition of the neighborhood are not appraisal factors.Neighborhood Characteristics

Location Urban Suburban RuralBuilt-Up Over 75% 25-75% Under 25%Growth Rapid Stable Slow

One-Unit Housing TrendsProperty Values Increasing Stable DecliningDemand/Supply Shortage In Balance Over SupplyMarketing Time Under 3 mths 3-6 mths Over 6 mths

One-Unit HousingPRICE$ (000)

AGE(yrs)

LowHighPred.

Present Land Use %One-Unit %2-4 Unit %Multi-Family %Commercial %Other %

Neighborhood Boundaries

Neighborhood Description

Market Conditions (including support for the above conclusions)

Dimensions Area Shape ViewSpecific Zoning Classification Zoning DescriptionZoning Compliance Legal Legal Nonconforming (Grandfathered Use) No Zoning Illegal (describe)Is the highest and best use of subject property as improved (or as proposed per plans and specifications) the present use? Yes No If No, describe

Utilities Public Other (describe) Public Other (describe)ElectricityGas

WaterSanitary Sewer

Off-site Improvements - Type Public PrivateStreetAlley

FEMA Special Flood Hazard Area Yes No FEMA Flood Zone FEMA Map # FEMA Map DateAre the utilities and off-site improvements typical for the market area? Yes No If No, describeAre there any adverse site conditions or external factors (easements, encroachments, environmental conditions, land uses, etc.)? Yes No If Yes, describe

General DescriptionUnits One One with Accessory Unit# of StoriesType Det. Att. S-Det./End Unit

Existing Proposed Under Const.Design (Style)Year BuiltEffective Age (Yrs)

FoundationConcrete Slab Crawl SpaceFull Basement Partial Basement

Basement Area sq.ft.Basement Finish %

Outside Entry/Exit Sump PumpEvidence of Infestation

Dampness Settlement

Exterior Description materials/conditionFoundation WallsExterior WallsRoof SurfaceGutters & DownspoutsWindow TypeStorm Sash/InsulatedScreens

Interior materials/conditionFloorsWallsTrim/FinishBath FloorBath Wainscot

Attic NoneDrop Stair StairsFloor ScuttleFinished Heated

Heating FWA HWBB RadiantOther Fuel

Cooling Central Air ConditioningIndividual Other

AmenitiesFireplace(s) #Patio/DeckPool

Woodstove(s) #FencePorchOther

Car Storage NoneDriveway # of Cars

Driveway SurfaceGarage # of CarsCarport # of CarsAtt. Det. Built-in

Appliances Refrigerator Range/Oven Dishwasher Disposal Microwave Washer/Dryer Other (describe)Finished area above grade contains: Rooms Bedrooms Bath(s) Square Feet of Gross Living Area Above GradeAdditional features (special energy efficient items, etc.).

Describe the condition of the property (including needed repairs, deterioration, renovations, remodeling, etc.).

Are there any physical deficiencies or adverse conditions that affect the livability, soundness, or structural integrity of the property? Yes No If Yes, describe

Does the property generally conform to the neighborhood (functional utility, style, condition, use, construction, etc.)? Yes No If No, describe

Freddie Mac Form 70 March 2005 UAD Version 9/2011 Page 1 of 6 Fannie Mae Form 1004 March 2005

Anderson Appraisals

6306929

1102 N 11th St Coeur D Alene ID 83814Turner, Adam and Cardella Turner, Adam and Cardella Kootenai

Whitla Add to CDA, S 140 Ft-Lt 5 Blk 3 13 50N 04WC9360003005D 2016 3,899CDA 17660 0015.00

0 0

Loss MitigationBayview Loan Servicing

CDA MLS

NA

NA

70950190

011785

805555

Bounded on the north by Interstate 90, on the east by Interstate 90, on thesouth by Sherman Avenue and on the west by Lincoln Way.

Neighborhood consists of conforming 1-2 story average to good quality single family home, displaying average to goodlevels of maintenance. The subject is located within 1 miles of schools, shopping, and employment. Recreation is available throughout the area.5% other is parks within the area due to built up location. One unit housing is within the subject defined neighborhood area.

There are no adverse factors which would affect the marketability of the subject property.Financing is available from a variety of sources. Typical marketing time are 0 to 3 months if the properties are competitively priced. Please seeattached supplemental addendum.

140x231.50 32410 sf Rectangular N;Res;MtnSFR R12 5500sf min

AsphaltNone

X 16055C0417E 05/03/2010

I have not checked the land records for recorded easements and have reported only apparent easements, encroachments, and other apparentadverse conditions.

2

MultiStory190930

5280

Conc/Rock/AvgAluminum/AvgComp/AvgAluminum/AvgAluminum/Wd/AvgNoneAluminum/Avg

Carp/Tile/Wd/AvgDrywall/Plaster/AvgWood/AvgTile/AvgFiber/Avg

Gas 2Deck

None

0Chn/WdCv ConcSprinklers

6Gravel

20

9 4 2.0 2,308None noted.

C3;No updates in the prior 15 years;Built in 1909 thesubject exhibits deferred maintenance and is considered to be average overall condition for a home of its age. The utilities were on and workingproperly at the time of inspection. The appraiser has measured the subject property and found it to match public records. The subject has been wellcared for over the years and only requires minor repairs. Please see pictures included.

None noted.

The subject property is a single family home in a neighborhood of similar quality and appeal single family homes on smaller to larger sized lots.

Form 1004UAD — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

Anderson Appraisals

6306929

1102 N 11th St Coeur D Alene ID 83814Turner, Adam and Cardella Turner, Adam and Cardella Kootenai

Whitla Add to CDA, S 140 Ft-Lt 5 Blk 3 13 50N 04WC9360003005D 2016 3,899CDA 17660 0015.00

0 0

Loss MitigationBayview Loan Servicing

CDA MLS

NA

NA

70950190

011785

805555

Bounded on the north by Interstate 90, on the east by Interstate 90, on thesouth by Sherman Avenue and on the west by Lincoln Way.

Neighborhood consists of conforming 1-2 story average to good quality single family home, displaying average to goodlevels of maintenance. The subject is located within 1 miles of schools, shopping, and employment. Recreation is available throughout the area.5% other is parks within the area due to built up location. One unit housing is within the subject defined neighborhood area.

There are no adverse factors which would affect the marketability of the subject property.Financing is available from a variety of sources. Typical marketing time are 0 to 3 months if the properties are competitively priced. Please seeattached supplemental addendum.

140x231.50 32410 sf Rectangular N;Res;MtnSFR R12 5500sf min

AsphaltNone

X 16055C0417E 05/03/2010

I have not checked the land records for recorded easements and have reported only apparent easements, encroachments, and other apparentadverse conditions.

2

MultiStory190930

5280

Conc/Rock/AvgAluminum/AvgComp/AvgAluminum/AvgAluminum/Wd/AvgNoneAluminum/Avg

Carp/Tile/Wd/AvgDrywall/Plaster/AvgWood/AvgTile/AvgFiber/Avg

Gas 2Deck

None

0Chn/WdCv ConcSprinklers

6Gravel

20

9 4 2.0 2,308None noted.

C3;No updates in the prior 15 years;Built in 1909 thesubject exhibits deferred maintenance and is considered to be average overall condition for a home of its age. The utilities were on and workingproperly at the time of inspection. The appraiser has measured the subject property and found it to match public records. The subject has been wellcared for over the years and only requires minor repairs. Please see pictures included.

None noted.

The subject property is a single family home in a neighborhood of similar quality and appeal single family homes on smaller to larger sized lots.



SUB

JEC

TC

ON

TRA

CT

NEI

GH

BO

RH

OO

DSI

TEIM

PRO

VEM

ENTS

The purpose of this summary appraisal report is to provide the lender/client with an accurate, and adequately supported, opinion of the market value of the subject property.Property Address City State Zip CodeBorrower Owner of Public Record CountyLegal DescriptionAssessor's Parcel # Tax Year R.E. Taxes $Neighborhood Name Map Reference Census TractOccupant Owner Tenant Vacant Special Assessments $ PUD HOA $ per year per monthProperty Rights Appraised Fee Simple Leasehold Other (describe)Assignment Type Purchase Transaction Refinance Transaction Other (describe)Lender/Client AddressIs the subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal? Yes NoReport data source(s) used, offering price(s), and date(s).

I did did not analyze the contract for sale for the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the analysis was notperformed.

Contract Price $ Date of Contract Is the property seller the owner of public record? Yes No Data Source(s)Is there any financial assistance (loan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behalf of the borrower? Yes NoIf Yes, report the total dollar amount and describe the items to be paid.

Note: Race and the racial composition of the neighborhood are not appraisal factors.Neighborhood Characteristics

Location Urban Suburban RuralBuilt-Up Over 75% 25-75% Under 25%Growth Rapid Stable Slow

One-Unit Housing TrendsProperty Values Increasing Stable DecliningDemand/Supply Shortage In Balance Over SupplyMarketing Time Under 3 mths 3-6 mths Over 6 mths

One-Unit HousingPRICE$ (000)

AGE(yrs)

LowHighPred.

Present Land Use %One-Unit %2-4 Unit %Multi-Family %Commercial %Other %

Neighborhood Boundaries

Neighborhood Description

Market Conditions (including support for the above conclusions)

Dimensions Area Shape ViewSpecific Zoning Classification Zoning DescriptionZoning Compliance Legal Legal Nonconforming (Grandfathered Use) No Zoning Illegal (describe)Is the highest and best use of subject property as improved (or as proposed per plans and specifications) the present use? Yes No If No, describe

Utilities Public Other (describe) Public Other (describe)ElectricityGas

WaterSanitary Sewer

Off-site Improvements - Type Public PrivateStreetAlley

FEMA Special Flood Hazard Area Yes No FEMA Flood Zone FEMA Map # FEMA Map DateAre the utilities and off-site improvements typical for the market area? Yes No If No, describeAre there any adverse site conditions or external factors (easements, encroachments, environmental conditions, land uses, etc.)? Yes No If Yes, describe

General DescriptionUnits One One with Accessory Unit# of StoriesType Det. Att. S-Det./End Unit

Existing Proposed Under Const.Design (Style)Year BuiltEffective Age (Yrs)

FoundationConcrete Slab Crawl SpaceFull Basement Partial Basement

Basement Area sq.ft.Basement Finish %

Outside Entry/Exit Sump PumpEvidence of Infestation

Dampness Settlement

Exterior Description materials/conditionFoundation WallsExterior WallsRoof SurfaceGutters & DownspoutsWindow TypeStorm Sash/InsulatedScreens

Interior materials/conditionFloorsWallsTrim/FinishBath FloorBath Wainscot

Attic NoneDrop Stair StairsFloor ScuttleFinished Heated

Heating FWA HWBB RadiantOther Fuel

Cooling Central Air ConditioningIndividual Other

AmenitiesFireplace(s) #Patio/DeckPool

Woodstove(s) #FencePorchOther

Car Storage NoneDriveway # of Cars

Driveway SurfaceGarage # of CarsCarport # of CarsAtt. Det. Built-in

Appliances Refrigerator Range/Oven Dishwasher Disposal Microwave Washer/Dryer Other (describe)Finished area above grade contains: Rooms Bedrooms Bath(s) Square Feet of Gross Living Area Above GradeAdditional features (special energy efficient items, etc.).

Describe the condition of the property (including needed repairs, deterioration, renovations, remodeling, etc.).

Are there any physical deficiencies or adverse conditions that affect the livability, soundness, or structural integrity of the property? Yes No If Yes, describe

Does the property generally conform to the neighborhood (functional utility, style, condition, use, construction, etc.)? Yes No If No, describe




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There are comparable properties currently offered for sale in the subject neighborhood ranging in price from $ to $ .There are comparable sales in the subject neighborhood within the past twelve months ranging in sale price from $ to $ .

FEATURE SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3Address

Proximity to SubjectSale Price $ $ $ $Sale Price/Gross Liv. Area $ sq.ft. $ sq.ft. $ sq.ft. $ sq.ft.Data Source(s)Verification Source(s)VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION +(-) $ Adjustment DESCRIPTION +(-) $ Adjustment DESCRIPTION +(-) $ AdjustmentSales or FinancingConcessionsDate of Sale/TimeLocationLeasehold/Fee SimpleSiteViewDesign (Style)Quality of ConstructionActual AgeConditionAbove Grade Total Bdrms. Baths Total Bdrms. Baths Total Bdrms. Baths Total Bdrms. BathsRoom CountGross Living Area sq.ft. sq.ft. sq.ft. sq.ft.Basement & FinishedRooms Below GradeFunctional UtilityHeating/CoolingEnergy Efficient ItemsGarage/CarportPorch/Patio/Deck

Net Adjustment (Total) + - + - + -$ $ $Adjusted Sale Priceof Comparables $ $ $

Net Adj. %Gross Adj. %



I did did not research the sale or transfer history of the subject property and comparable sales. If not, explain

My research did did not reveal any prior sales or transfers of the subject property for the three years prior to the effective date of this appraisal.Data Source(s)My research did did not reveal any prior sales or transfers of the comparable sales for the year prior to the date of sale of the comparable sale.Data Source(s)Report the results of the research and analysis of the prior sale or transfer history of the subject property and comparable sales (report additional prior sales on page 3).

ITEM SUBJECT COMPARABLE SALE #1 COMPARABLE SALE #2 COMPARABLE SALE #3Date of Prior Sale/TransferPrice of Prior Sale/TransferData Source(s)Effective Date of Data Source(s)Analysis of prior sale or transfer history of the subject property and comparable sales

Summary of Sales Comparison Approach

Indicated Value by Sales Comparison Approach $Indicated Value by: Sales Comparison Approach $ Cost Approach (if developed) $ Income Approach (if developed) $

This appraisal is made "as is", subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have beencompleted, subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed, or subject to thefollowing required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair:

Based on a complete visual inspection of the interior and exterior areas of the subject property, defined scope of work, statement of assumptions and limitingconditions, and appraiser's certification, my (our) opinion of the market value, as defined, of the real property that is the subject of this report is$ , as of , which is the date of inspection and the effective date of this appraisal.


63069299 229,900 415,00064 131,000 625,000

1102 N 11th StCoeur D Alene, ID 83814

N;Res;UrbanFee Simple32,410 sfN;Res;MtnDT2;MultiStoryQ4108C3

9 4 2.02,308

528sf0sfin

AverageGFWA/CACNone2gd6dwPorch/Deck

Other 2 FireplacesOther Fence/SprinklerOutbuildings None

CDAMLS/Inspection03/07/2017

12271 N Emerald DrHayden, ID 838356.85 miles N

204,400101.19

CDAMLS#16-10489;DOM 60Inspection

REOConv;0s11/16;c10/16 0N;Res;Suburban 0Fee Simple16901 sf +65,000N;Res;MtnDT2;MultiStoryQ439 0C4 +40,000

-9007 3 2.1 0

2,020 +5,800780sf780sfin -2,5001rr1br1.0ba1o -7,800AverageEFWA/0 0None3ga6dw -5,000Porch/DeckFireplace 0Fence +1,000None

95,60046.862.6 300,000


1043 E Mountain AveCoeur D Alene, ID 838141.11 miles S

248,850225.82

CDAMLS#16-8646;DOM 41Assessor

REOCash;0s09/16;c08/16 +12,700N;Res;UrbanFee Simple5489 sf 0N;Res;MtnDT2;MultiStoryQ4117 0C3

6 3 2.0 01,102 +24,100

0sf +5,300

AverageGFWA/0 0None2cp2dw +8,000Porch/DeckFireplace 0Fence +1,000None

51,10020.520.5 299,950

CDAMLS03/07/2017

1850 W Prairie AveCoeur D Alene, ID 838154.53 miles NW

278,500132.56


ArmLth 0Conv;3382 0s07/16;c06/16 +18,200N;Res;UrbanFee Simple1.88 ac 0N;Res;MtnDT2;MultiStoryQ483 0C3

6 3 2.0 02,101 +4,100

576sf0sfin 0

AverageEBB/0 0None2ga6dw 0Porch/DeckFireplace 0Fence/SprinklerNone

22,3008.08.0 300,800

CDAMLS03/07/2017

None noted.

Per MLS- Idaho is a non disclosure state


None noted.

The subject properties indication of market value is bracketed by the comparables 1-6 utilized. Comparablesconsidered were utilized due to being the most similar recent sales within the area that would compete with and bracket the subject that had soldwithin the last 12 months. Adjustments were made to the comparables utilized within this report for differences based on paired sales analysisand the appraisers daily interaction in the market place to bring the comparables more inline with the subject. Most weight was given tocomparables 2 and 3 in the final determination of value due to being the most similar and requiring the least adjustments. No age adjustmentswere made to comparables utilized due to being similar to the subject in effective age or being reflected within the condition adjustment madebased on paired sales analysis. Comparables are within the subject marketing area and would directly complete with the subject property in anopen market. Please see additional comments below.

300,000300,000 325,770

The market approach weighed most heavily in final determination of value due to buyer/seller interaction in the marketplace. The cost approachwas given secondary consideration. The income approach was not utilized due to not being a rental property at this time and lack of rental datasimilar to the subject available to utilize.

The subject property is appraisedin as is condition.

300,000 03/06/2017


63069299 229,900 415,00064 131,000 625,000



9 4 2.02,308

528sf0sfin




12271 N Emerald DrHayden, ID 838356.85 miles N

204,400101.19

CDAMLS#16-10489;DOM 60Inspection

REOConv;0s11/16;c10/16 0N;Res;Suburban 0Fee Simple16901 sf +65,000N;Res;MtnDT2;MultiStoryQ439 0C4 +40,000

-9007 3 2.1 0

2,020 +5,800780sf780sfin -2,5001rr1br1.0ba1o -7,800AverageEFWA/0 0None3ga6dw -5,000Porch/DeckFireplace 0Fence +1,000None

95,60046.862.6 300,000


1043 E Mountain AveCoeur D Alene, ID 838141.11 miles S

248,850225.82


REOCash;0s09/16;c08/16 +12,700N;Res;UrbanFee Simple5489 sf 0N;Res;MtnDT2;MultiStoryQ4117 0C3

6 3 2.0 01,102 +24,100

0sf +5,300

AverageGFWA/0 0None2cp2dw +8,000Porch/DeckFireplace 0Fence +1,000None

51,10020.520.5 299,950

CDAMLS03/07/2017

1850 W Prairie AveCoeur D Alene, ID 838154.53 miles NW

278,500132.56


ArmLth 0Conv;3382 0s07/16;c06/16 +18,200N;Res;UrbanFee Simple1.88 ac 0N;Res;MtnDT2;MultiStoryQ483 0C3

6 3 2.0 02,101 +4,100

576sf0sfin 0

AverageEBB/0 0None2ga6dw 0Porch/DeckFireplace 0Fence/SprinklerNone

22,3008.08.0 300,800

CDAMLS03/07/2017

None noted.



None noted.

The subject properties indication of market value is bracketed by the comparables 1-6 utilized. Comparablesconsidered were utilized due to being the most similar recent sales within the area that would compete with and bracket the subject that had soldwithin the last 12 months. Adjustments were made to the comparables utilized within this report for differences based on paired sales analysisand the appraisers daily interaction in the market place to bring the comparables more inline with the subject. Most weight was given tocomparables 2 and 3 in the final determination of value due to being the most similar and requiring the least adjustments. No age adjustmentswere made to comparables utilized due to being similar to the subject in effective age or being reflected within the condition adjustment madebased on paired sales analysis. Comparables are within the subject marketing area and would directly complete with the subject property in anopen market. Please see additional comments below.

300,000300,000 325,770

The market approach weighed most heavily in final determination of value due to buyer/seller interaction in the marketplace. The cost approachwas given secondary consideration. The income approach was not utilized due to not being a rental property at this time and lack of rental datasimilar to the subject available to utilize.

The subject property is appraisedin as is condition.

300,000 03/06/2017



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There are comparable properties currently offered for sale in the subject neighborhood ranging in price from $ to $ .There are comparable sales in the subject neighborhood within the past twelve months ranging in sale price from $ to $ .

FEATURE SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3Address






I did did not research the sale or transfer history of the subject property and comparable sales. If not, explain

My research did did not reveal any prior sales or transfers of the subject property for the three years prior to the effective date of this appraisal.Data Source(s)My research did did not reveal any prior sales or transfers of the comparable sales for the year prior to the date of sale of the comparable sale.Data Source(s)Report the results of the research and analysis of the prior sale or transfer history of the subject property and comparable sales (report additional prior sales on page 3).

ITEM SUBJECT COMPARABLE SALE #1 COMPARABLE SALE #2 COMPARABLE SALE #3Date of Prior Sale/TransferPrice of Prior Sale/TransferData Source(s)Effective Date of Data Source(s)Analysis of prior sale or transfer history of the subject property and comparable sales

Summary of Sales Comparison Approach

Indicated Value by Sales Comparison Approach $Indicated Value by: Sales Comparison Approach $ Cost Approach (if developed) $ Income Approach (if developed) $

This appraisal is made "as is", subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have beencompleted, subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed, or subject to thefollowing required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair:

Based on a complete visual inspection of the interior and exterior areas of the subject property, defined scope of work, statement of assumptions and limitingconditions, and appraiser's certification, my (our) opinion of the market value, as defined, of the real property that is the subject of this report is$ , as of , which is the date of inspection and the effective date of this appraisal.




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COST APPROACH TO VALUE (not required by Fannie Mae)Provide adequate information for the lender/client to replicate the below cost figures and calculations.Support for the opinion of site value (summary of comparable land sales or other methods for estimating site value)

ESTIMATED REPRODUCTION OR REPLACEMENT COST NEWSource of cost dataQuality rating from cost service Effective date of cost dataComments on Cost Approach (gross living area calculations, depreciation, etc.)

OPINION OF SITE VALUE =$DWELLING Sq.Ft. @ $ =$

Sq.Ft. @ $ =$=$

Garage/Carport Sq.Ft. @ $ =$Total Estimate of Cost-New =$Less Physical Functional ExternalDepreciation =$( )Depreciated Cost of Improvements =$"As-is" Value of Site Improvements =$

INDICATED VALUE BY COST APPROACH =$Estimated Remaining Economic Life (HUD and VA only) YearsINCOME APPROACH TO VALUE (not required by Fannie Mae)

Estimated Monthly Market Rent $ X Gross Rent Multiplier = $ Indicated Value by Income ApproachSummary of Income Approach (including support for market rent and GRM)

PROJECT INFORMATION FOR PUDs (if applicable)Is the developer/builder in control of the Homeowners' Association (HOA)? Yes No Unit type(s) Detached AttachedProvide the following information for PUDs ONLY if the developer/builder is in control of the HOA and the subject property is an attached dwelling unit.Legal Name of ProjectTotal number of phases Total number of units Total number of units soldTotal number of units rented Total number of units for sale Data source(s)Was the project created by the conversion of existing building(s) into a PUD? Yes No If Yes, date of conversion.Does the project contain any multi-dwelling units? Yes No Data SourceAre the units, common elements, and recreation facilities complete? Yes No If No, describe the status of completion.

Are the common elements leased to or by the Homeowners' Association? Yes No If Yes, describe the rental terms and options.

Describe common elements and recreational facilities.


6306929Comparable 1 is the most recent sale utilized and was considered due to lack of recent sales that would compete with and bracket the subjectproperty. Comparable 1 is an REO sale and utilized based on client reporting reporting in determining the subjects REO market value. COmparable1 is considered to be inferior to the subject and was personally inspected by the appraiser in determining value for the REO listing. Comparable 1 isinferior to the subject in site value due to size and was adjusted for differences based on assessor land records, MLS vacant land sales 16-918 and15-6521 included within this report and paired sales analysis of the comparables utilized after all other adjustments were determined. Comparable1 was considered to be inferior to the subject in overall condition and appeal and adjusted for differences based on paired sales analysis of thecomparables utilized and the appraisers daily interaction in the market place to bring the comparable utilized more inline with the subject.Comparable 1 is inferior to the subject in above grade GLA and was adjusted at $20 per sf above grade and differences in basement GLA andfinish in the basement at $10 per sf to bring the comparable utilized more inline with the subject based on paired sales utilized within this report.After adjustments were made to comparable 1 to bring it more inline with the subject based on market reaction is considered to be a reliableindicator of the subjects median range REO value. Comparable 1 is outside of 1 mile due to lack of REO sales available to utilize.

Comparable 2 is a competing sale and located outside of the subjects neighborhood in a superior location known to the market as Sanders Beach.Comparable 2 is considered to be superior to the subject in site value due to location based on assessor land records, MLS vacant land sales15-1995,16-4428,14-7789 included within this report and paired sales analysis of the comparables utilized after all other adjustments weredetermined. Comparable 2 was adjusted for differences in time of sale due to market increase based on MLS statistics included within this reportas of its contract date at 5.10% to bring the comparable more inline with the effective date of this report due to being a sale outside of 180 days.Comparable 2 was also adjusted for differences in GLA above grade at $20 per sf and differences in basement GLA and finish in the basement at$10 per sf each to bring the comparable more inline with the subject after all other adjustments were determined. Comparable 2 is an REO saleand utilized per client reporting requirements to indicate the subjects REO market value. After adjustments were made to comparable 2 fordifferences in carport vs garage based paired sales utilized is considered to be a reliable indicator of the subjects median range REO value.

Comparable 3 is an armslength sale and was utilized to bracket subject site size based on reporting requirements. Comparable 3 is considered tobe the most similar to the subject overall. No adjustment was made for being an armslength sale due to REO properties not being predominate inthe market at this time based on the appraisers daily interaction in the market place and paired sales comparables 4-6 utilized within this reportafter all other adjustments were determined. Comparable 3 was not adjusted for superior site size based on vacant land sales16-7569,16-2152,16-2109,14-9738 and 14-3697 included within this report after all other adjustments were determined and lack of market reactionto the sale. Comparable 3 was adjusted for being an older sale outside of 180 days due to market increase based on MLS statistics included withinthis report at 6.53% as of its contract date to bring the comparable sale more inline with the effective date of this report. After adjustments weremade to comparable 3 for inferior heating system to bring it more inline with the subject based on market extraction is considered to be a reliableindicator of the subjects median range REO value.

Based on an average year to year comparison of single family home sales on less than 2 acre in the CDA area, statistics show a 9% increase invalues over the prior year. Conversations with local realtors and the appraisers daily interaction in the market place indicates values are increasingfor the area depending on types of properties and there locations. The effect on marketability of comparables 1 would be considered inferior tothe subject due to inferior site size and overall condition and appeal, comparable 2 is inferior to the subject in GLA and time of sale andcomparable 3 is considered to be the most similar in marketability as to the subject property. Comparables that were utilized were selected form asales pool of single family home sales within the subjects marketing area within the last 12 months. Age of comparables differ due to lack ofsimilar home sales within the subject area that would compete and support market derived adjustments.

Kootenai County Assessor land records andvacant land sales within 36 months.15-1853,14-4052,16-3479,16-6953

Marshall Swift3 2016

145,0002,308 115.00 265,420

528 35.00 18,480Pch/Deck/Spnk/Lndscp 20,000

588 30.00 17,640321,540

160,770 160,770160,77020,000

325,770

Marshall Swift Cost Services as well as the appraisers daily interactionwith the market and builders have been utilized to estimate the remainingeconomic life at 30 years. The cost approach was completed as acourtesy to our clients and is not a requirement of Fannie Mae guidelines.Subjects indication of value is below the replacement cost new andassessor value due to the subjects current C3 condition rating at thistime. The property appears to be over assessed.

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6306929Comparable 1 is the most recent sale utilized and was considered due to lack of recent sales that would compete with and bracket the subjectproperty. Comparable 1 is an REO sale and utilized based on client reporting reporting in determining the subjects REO market value. COmparable1 is considered to be inferior to the subject and was personally inspected by the appraiser in determining value for the REO listing. Comparable 1 isinferior to the subject in site value due to size and was adjusted for differences based on assessor land records, MLS vacant land sales 16-918 and15-6521 included within this report and paired sales analysis of the comparables utilized after all other adjustments were determined. Comparable1 was considered to be inferior to the subject in overall condition and appeal and adjusted for differences based on paired sales analysis of thecomparables utilized and the appraisers daily interaction in the market place to bring the comparable utilized more inline with the subject.Comparable 1 is inferior to the subject in above grade GLA and was adjusted at $20 per sf above grade and differences in basement GLA andfinish in the basement at $10 per sf to bring the comparable utilized more inline with the subject based on paired sales utilized within this report.After adjustments were made to comparable 1 to bring it more inline with the subject based on market reaction is considered to be a reliableindicator of the subjects median range REO value. Comparable 1 is outside of 1 mile due to lack of REO sales available to utilize.

Comparable 2 is a competing sale and located outside of the subjects neighborhood in a superior location known to the market as Sanders Beach.Comparable 2 is considered to be superior to the subject in site value due to location based on assessor land records, MLS vacant land sales15-1995,16-4428,14-7789 included within this report and paired sales analysis of the comparables utilized after all other adjustments weredetermined. Comparable 2 was adjusted for differences in time of sale due to market increase based on MLS statistics included within this reportas of its contract date at 5.10% to bring the comparable more inline with the effective date of this report due to being a sale outside of 180 days.Comparable 2 was also adjusted for differences in GLA above grade at $20 per sf and differences in basement GLA and finish in the basement at$10 per sf each to bring the comparable more inline with the subject after all other adjustments were determined. Comparable 2 is an REO saleand utilized per client reporting requirements to indicate the subjects REO market value. After adjustments were made to comparable 2 fordifferences in carport vs garage based paired sales utilized is considered to be a reliable indicator of the subjects median range REO value.

Comparable 3 is an armslength sale and was utilized to bracket subject site size based on reporting requirements. Comparable 3 is considered tobe the most similar to the subject overall. No adjustment was made for being an armslength sale due to REO properties not being predominate inthe market at this time based on the appraisers daily interaction in the market place and paired sales comparables 4-6 utilized within this reportafter all other adjustments were determined. Comparable 3 was not adjusted for superior site size based on vacant land sales16-7569,16-2152,16-2109,14-9738 and 14-3697 included within this report after all other adjustments were determined and lack of market reactionto the sale. Comparable 3 was adjusted for being an older sale outside of 180 days due to market increase based on MLS statistics included withinthis report at 6.53% as of its contract date to bring the comparable sale more inline with the effective date of this report. After adjustments weremade to comparable 3 for inferior heating system to bring it more inline with the subject based on market extraction is considered to be a reliableindicator of the subjects median range REO value.

Based on an average year to year comparison of single family home sales on less than 2 acre in the CDA area, statistics show a 9% increase invalues over the prior year. Conversations with local realtors and the appraisers daily interaction in the market place indicates values are increasingfor the area depending on types of properties and there locations. The effect on marketability of comparables 1 would be considered inferior tothe subject due to inferior site size and overall condition and appeal, comparable 2 is inferior to the subject in GLA and time of sale andcomparable 3 is considered to be the most similar in marketability as to the subject property. Comparables that were utilized were selected form asales pool of single family home sales within the subjects marketing area within the last 12 months. Age of comparables differ due to lack ofsimilar home sales within the subject area that would compete and support market derived adjustments.

Kootenai County Assessor land records andvacant land sales within 36 months.15-1853,14-4052,16-3479,16-6953

Marshall Swift3 2016

145,0002,308 115.00 265,420

528 35.00 18,480Pch/Deck/Spnk/Lndscp 20,000

588 30.00 17,640321,540

160,770 160,770160,77020,000

325,770

Marshall Swift Cost Services as well as the appraisers daily interactionwith the market and builders have been utilized to estimate the remainingeconomic life at 30 years. The cost approach was completed as acourtesy to our clients and is not a requirement of Fannie Mae guidelines.Subjects indication of value is below the replacement cost new andassessor value due to the subjects current C3 condition rating at thistime. The property appears to be over assessed.

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COST APPROACH TO VALUE (not required by Fannie Mae)Provide adequate information for the lender/client to replicate the below cost figures and calculations.Support for the opinion of site value (summary of comparable land sales or other methods for estimating site value)

ESTIMATED REPRODUCTION OR REPLACEMENT COST NEWSource of cost dataQuality rating from cost service Effective date of cost dataComments on Cost Approach (gross living area calculations, depreciation, etc.)

OPINION OF SITE VALUE =$DWELLING Sq.Ft. @ $ =$

Sq.Ft. @ $ =$=$

Garage/Carport Sq.Ft. @ $ =$Total Estimate of Cost-New =$Less Physical Functional ExternalDepreciation =$( )Depreciated Cost of Improvements =$"As-is" Value of Site Improvements =$

INDICATED VALUE BY COST APPROACH =$Estimated Remaining Economic Life (HUD and VA only) YearsINCOME APPROACH TO VALUE (not required by Fannie Mae)

Estimated Monthly Market Rent $ X Gross Rent Multiplier = $ Indicated Value by Income ApproachSummary of Income Approach (including support for market rent and GRM)

PROJECT INFORMATION FOR PUDs (if applicable)Is the developer/builder in control of the Homeowners' Association (HOA)? Yes No Unit type(s) Detached AttachedProvide the following information for PUDs ONLY if the developer/builder is in control of the HOA and the subject property is an attached dwelling unit.Legal Name of ProjectTotal number of phases Total number of units Total number of units soldTotal number of units rented Total number of units for sale Data source(s)Was the project created by the conversion of existing building(s) into a PUD? Yes No If Yes, date of conversion.Does the project contain any multi-dwelling units? Yes No Data SourceAre the units, common elements, and recreation facilities complete? Yes No If No, describe the status of completion.

Are the common elements leased to or by the Homeowners' Association? Yes No If Yes, describe the rental terms and options.

Describe common elements and recreational facilities.




This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit;including a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of amanufactured home or a unit in a condominium or cooperative project.

This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value,statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intendeduse, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser mayexpand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisalassignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that donot constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser'scontinuing education or membership in an appraisal organization, are permitted.

SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and thereporting requirements of this appraisal report form, including the following definition of market value, statement ofassumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a complete visualinspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of thecomparable sales from at least the street, (4) research, verify, and analyze data from reliable public and/or private sources,and (5) report his or her analysis, opinions, and conclusions in this appraisal report.

INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is thesubject of this appraisal for a mortgage finance transaction.

INTENDED USER: The intended user of this appraisal report is the lender/client.

DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and openmarket under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assumingthe price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date andthe passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) bothparties are well informed or well advised, and each acting in what he or she considers his or her own best interest; (3) areasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in termsof financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property soldunaffected by special or creative financing or sales concessions* granted by anyone associated with the sale.

*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments arenecessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs arereadily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financingadjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutionallender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanicaldollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market'sreaction to the financing or concessions based on the appraiser's judgment.

STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report issubject to the following assumptions and limiting conditions:

1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the titleto it, except for information that he or she became aware of during the research involved in performing this appraisal. Theappraiser assumes that the title is good and marketable and will not render any opinions about the title.

2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements.The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determinationof its size.

3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency(or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in anidentified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express orimplied, regarding this determination.

4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question,unless specific arrangements to do so have been made beforehand, or as otherwise required by law.

5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, thepresence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he orshe became aware of during the research involved in performing the appraisal. Unless otherwise stated in this appraisalreport, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of theproperty (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances,adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no suchconditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any suchconditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist.Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered asan environmental assessment of the property.

6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactorycompletion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property willbe performed in a professional manner.


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6306929



This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit;including a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of amanufactured home or a unit in a condominium or cooperative project.

This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value,statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intendeduse, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser mayexpand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisalassignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that donot constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser'scontinuing education or membership in an appraisal organization, are permitted.

SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and thereporting requirements of this appraisal report form, including the following definition of market value, statement ofassumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a complete visualinspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of thecomparable sales from at least the street, (4) research, verify, and analyze data from reliable public and/or private sources,and (5) report his or her analysis, opinions, and conclusions in this appraisal report.

INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is thesubject of this appraisal for a mortgage finance transaction.

INTENDED USER: The intended user of this appraisal report is the lender/client.

DEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and openmarket under all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assumingthe price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date andthe passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) bothparties are well informed or well advised, and each acting in what he or she considers his or her own best interest; (3) areasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in termsof financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property soldunaffected by special or creative financing or sales concessions* granted by anyone associated with the sale.

*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments arenecessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs arereadily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financingadjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutionallender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanicaldollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market'sreaction to the financing or concessions based on the appraiser's judgment.

STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser's certification in this report issubject to the following assumptions and limiting conditions:

1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the titleto it, except for information that he or she became aware of during the research involved in performing this appraisal. Theappraiser assumes that the title is good and marketable and will not render any opinions about the title.

2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements.The sketch is included only to assist the reader in visualizing the property and understanding the appraiser's determinationof its size.

3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency(or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in anidentified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express orimplied, regarding this determination.

4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question,unless specific arrangements to do so have been made beforehand, or as otherwise required by law.

5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, thepresence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he orshe became aware of during the research involved in performing the appraisal. Unless otherwise stated in this appraisalreport, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of theproperty (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances,adverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no suchconditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any suchconditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist.Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered asan environmental assessment of the property.

6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactorycompletion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property willbe performed in a professional manner.




APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that:

1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated inthis appraisal report.

2. I performed a complete visual inspection of the interior and exterior areas of the subject property. I reported the conditionof the improvements in factual, specific terms. I identified and reported the physical deficiencies that could affect thelivability, soundness, or structural integrity of the property.

3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional AppraisalPractice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were inplace at the time this appraisal report was prepared.

4. I developed my opinion of the market value of the real property that is the subject of this report based on the salescomparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approachfor this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not developthem, unless otherwise indicated in this report.

5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering forsale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subjectproperty for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report.

6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year priorto the date of sale of the comparable sale, unless otherwise indicated in this report.

7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property.

8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home thathas been built or will be built on the land.

9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subjectproperty and the comparable sales.

10. I verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest inthe sale or financing of the subject property.

11. I have knowledge and experience in appraising this type of property in this market area.

12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listingservices, tax assessment records, public land records and other such data sources for the area in which the property is located.

13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report fromreliable sources that I believe to be true and correct.

14. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subjectproperty, and the proximity of the subject property to adverse influences in the development of my opinion of market value. Ihave noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, thepresence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of thesubject property or that I became aware of during the research involved in performing this appraisal. I have considered theseadverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value andmarketability of the subject property.

15. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, allstatements and information in this appraisal report are true and correct.

16. I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, whichare subject only to the assumptions and limiting conditions in this appraisal report.

17. I have no present or prospective interest in the property that is the subject of this report, and I have no present orprospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially orcompletely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, maritalstatus, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of thepresent owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law.

18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was notconditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) apredetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause ofany party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pendingmortgage loan application).

19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If Irelied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisalor the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in thisappraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to makea change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take noresponsibility for it.

20. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization thatordered and will receive this appraisal report.


6306929


6306929



APPRAISER'S CERTIFICATION: The Appraiser certifies and agrees that:

1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated inthis appraisal report.

2. I performed a complete visual inspection of the interior and exterior areas of the subject property. I reported the conditionof the improvements in factual, specific terms. I identified and reported the physical deficiencies that could affect thelivability, soundness, or structural integrity of the property.

3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional AppraisalPractice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were inplace at the time this appraisal report was prepared.

4. I developed my opinion of the market value of the real property that is the subject of this report based on the salescomparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approachfor this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not developthem, unless otherwise indicated in this report.

5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering forsale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subjectproperty for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report.

6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year priorto the date of sale of the comparable sale, unless otherwise indicated in this report.

7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property.

8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home thathas been built or will be built on the land.

9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subjectproperty and the comparable sales.

10. I verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest inthe sale or financing of the subject property.

11. I have knowledge and experience in appraising this type of property in this market area.

12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listingservices, tax assessment records, public land records and other such data sources for the area in which the property is located.

13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report fromreliable sources that I believe to be true and correct.

14. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subjectproperty, and the proximity of the subject property to adverse influences in the development of my opinion of market value. Ihave noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, thepresence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of thesubject property or that I became aware of during the research involved in performing this appraisal. I have considered theseadverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value andmarketability of the subject property.

15. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, allstatements and information in this appraisal report are true and correct.

16. I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, whichare subject only to the assumptions and limiting conditions in this appraisal report.

17. I have no present or prospective interest in the property that is the subject of this report, and I have no present orprospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially orcompletely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, maritalstatus, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of thepresent owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law.

18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was notconditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) apredetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause ofany party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pendingmortgage loan application).

19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If Irelied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisalor the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in thisappraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to makea change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take noresponsibility for it.

20. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization thatordered and will receive this appraisal report.




21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of theborrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; othersecondary market participants; data collection or reporting services; professional appraisal organizations; any department,agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having toobtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisalreport may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, publicrelations, news, sales, or other media).

22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certainlaws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practicethat pertain to disclosure or distribution by me.

23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgageinsurers, government sponsored enterprises, and other secondary market participants may rely on this appraisal report as partof any mortgage finance transaction that involves any one or more of these parties.

24. If this appraisal report was transmitted as an "electronic record" containing my "electronic signature," as those terms aredefined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of thisappraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable andvalid as if a paper version of this appraisal report were delivered containing my original hand written signature.

25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/orcriminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United StatesCode, Section 1001, et seq., or similar state laws.

SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that:

1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser'sanalysis, opinions, statements, conclusions, and the appraiser's certification.

2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions,statements, conclusions, and the appraiser's certification.

3. The appraiser identified in this appraisal report is either a sub-contractor or an employee of the supervisory appraiser (or theappraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law.

4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted andpromulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisalreport was prepared.


APPRAISER

SignatureNameCompany NameCompany Address

Telephone NumberEmail AddressDate of Signature and ReportEffective Date of AppraisalState Certification #or State License #or Other (describe) State #StateExpiration Date of Certification or License

ADDRESS OF PROPERTY APPRAISED

APPRAISED VALUE OF SUBJECT PROPERTY $LENDER/CLIENTNameCompany NameCompany Address

Email Address

SUPERVISORY APPRAISER (ONLY IF REQUIRED)


Telephone NumberEmail AddressDate of SignatureState Certification #or State License #StateExpiration Date of Certification or License

SUBJECT PROPERTY

Did not inspect subject propertyDid inspect exterior of subject property from streetDate of InspectionDid inspect interior and exterior of subject propertyDate of Inspection

COMPARABLE SALES

Did not inspect exterior of comparable sales from streetDid inspect exterior of comparable sales from streetDate of Inspection


6306929

Kevin M. HandlenAnderson Appraisals, LLC

Coeur D Alene, ID 83815(208) 660-0808

[email protected]/08/2017

03/06/2017CRA-2683

ID08/18/2017


300,000

Proteck Valuation ServicesBayview Loan Servicing


6306929


Coeur D Alene, ID 83815(208) 660-0808

[email protected]/08/2017

03/06/2017CRA-2683

ID08/18/2017


300,000

Proteck Valuation ServicesBayview Loan Servicing



21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of theborrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; othersecondary market participants; data collection or reporting services; professional appraisal organizations; any department,agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having toobtain the appraiser's or supervisory appraiser's (if applicable) consent. Such consent must be obtained before this appraisalreport may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, publicrelations, news, sales, or other media).

22. I am aware that any disclosure or distribution of this appraisal report by me or the lender/client may be subject to certainlaws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practicethat pertain to disclosure or distribution by me.

23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgageinsurers, government sponsored enterprises, and other secondary market participants may rely on this appraisal report as partof any mortgage finance transaction that involves any one or more of these parties.


25. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/orcriminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United StatesCode, Section 1001, et seq., or similar state laws.

SUPERVISORY APPRAISER'S CERTIFICATION: The Supervisory Appraiser certifies and agrees that:

1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser'sanalysis, opinions, statements, conclusions, and the appraiser's certification.

2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analysis, opinions,statements, conclusions, and the appraiser's certification.

3. The appraiser identified in this appraisal report is either a sub-contractor or an employee of the supervisory appraiser (or theappraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law.

4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted andpromulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisalreport was prepared.


APPRAISER


Telephone NumberEmail AddressDate of Signature and ReportEffective Date of AppraisalState Certification #or State License #or Other (describe) State #StateExpiration Date of Certification or License

ADDRESS OF PROPERTY APPRAISED

APPRAISED VALUE OF SUBJECT PROPERTY $LENDER/CLIENTNameCompany NameCompany Address

Email Address

SUPERVISORY APPRAISER (ONLY IF REQUIRED)


Telephone NumberEmail AddressDate of SignatureState Certification #or State License #StateExpiration Date of Certification or License

SUBJECT PROPERTY

Did not inspect subject propertyDid inspect exterior of subject property from streetDate of InspectionDid inspect interior and exterior of subject propertyDate of Inspection

COMPARABLE SALES

Did not inspect exterior of comparable sales from streetDid inspect exterior of comparable sales from streetDate of Inspection




SALE

S C

OM

PAR

ISO

N A

PPR

OA

CH

SALE

HIS

TOR

YA

NA

LYSI

S / C

OM

MEN

TS

FEATURE SUBJECT COMPARABLE SALE # COMPARABLE SALE # COMPARABLE SALE #Address






Report the results of the research and analysis of the prior sale or transfer history of the subject property and comparable sales (report additional prior sales on page 3).ITEM SUBJECT COMPARABLE SALE # COMPARABLE SALE # COMPARABLE SALE #

Date of Prior Sale/TransferPrice of Prior Sale/TransferData Source(s)Effective Date of Data Source(s)Analysis of prior sale or transfer history of the subject property and comparable sales

Analysis/Comments

Freddie Mac Form 70 March 2005 Fannie Mae Form 1004 March 2005UAD Version 9/2011

6306929



9 4 2.02,308

528sf0sfin




1029 N 2nd StCoeur D Alene, ID 838140.67 miles W

187,000133.95


ArmLthFHA;4000s07/16;c06/16 +12,200N;Res;UrbanFee Simple5489 sf +85,000N;Res;MtnDT2;MultiStoryQ497 0C4 0

6 3 1.0 +1,3001,396 +18,200

912sf0sfin -3,800

AverageGFWA/0 0None2gd4dw 0Porch/DeckNone 0Fence +1,000None

113,90060.965.0 300,900

CDAMLS03/07/2017

1401 N Government WayCoeur D Alene, ID 838140.83 miles W

220,000143.60


ArmLth 0Conv;0s05/16;c05/16 +16,100N;Res;UrbanFee Simple13373 sf +48,000N;Res;MtnDT2;MultiStoryQ4102 0C3

7 4 2.0 01,532 +15,500

512sf0sfin 0

AverageGFWA/0 0None2gd2dw 0Porch/Patios 0None 0Fence +1,000None

80,60036.636.6 300,600

CDAMLS03/07/2017

1111 N 6th StCoeur D Alene, ID 838140.40 miles W

224,000109.38


ArmLth 0Conv;5000 0s05/16;c03/16 +19,900N;Res;UrbanFee Simple11718 sf +53,000N;Res;MtnDT2;MultiStoryQ487 0C3

7 4 2.0 02,048 +5,200

1120sf128sfin -5,9001rr0br0.0ba0o -1,300AverageGFWA/0 0None1gd2dw +5,000Porch/Patios 0Wood Stove 0Fence +1,000None

76,90034.340.8 300,900

CDAMLS03/07/2017

4 5 6

4 5 6

None noted.

Comparable 4 is an additonal closed sale and considered inferior to the subject in site size and GLA. Comparable 4 wasadjusted for differences based on paired sales analysis of the comparables utilized, vacant land sales analysis, assessor records and theappraisers daily interaction in the market place to bring the comparable utilized more inline with the subject. Comparable 4 was adjusted for beingan older sale outside of 6 months at 6.55% as of its contract date due to market increase based on MLS statistics included within this report tobring the comparable more inline with the effective date. Comparable 4 was also adjusted for differences in site size and value based on vacantland sales 16-5053,15-4993,16-8190 included within the report, assessor land records and paired sales analysis of the comparables utilized afterall other adjustments were determined. Comparable 4 was adjusted for inferior above grade GLA at $20 per sf and for having a larger basement at$10 per sf based on paired sales utilized within this report and the appraisers daily interaction in the market place. After adjustments were madecomparable 4 is considered to be a reliable indication of the subjects median range REO value. No adjustment was made for being armslengthbased on paired sales utilized and REO sales not being predominant in the market at this time. Comparable 4 was reflected as C4 condition in aprevious report for which no adjustment was made due to lack of market reaction to the sales utilized after all other adjustments were determined.

Comparable 5 is an additonal closed sale and considered as additonal support for value and adjustments made to the comparables utilized to bringthem more inline wiht the subject property. Comparable 5 was also adjusted for inferior site value based on vacant land sales 15-2121 and16-10217 included within this report and paired sales analysis of the comparables utilized. Comparable 5 was adjusted for inferior GLA abovegrade at $20 per sf and lack of sprinkler system based on paired sales utilized within this report. Comparable 5 after adjustments were made isconsidered to be a reliable indication of the subjects median range REO value.

Comparable 6 is an additonal closed sale and is the oldest sale utilized. Comparable 6 is just within 12 months and adjusted for time of saledifferences due to market increase over the prior 12 months based on MLS statistics at 8.90% as of its contract date to bring the comparableutilized more inline with the effective date of this report. Comparable 6 was also adjusted for infer site size and value based on assessor landrecords and vacant land sale 16-3479 included within this report. Comparable 6 was also adjusted for inferior GLA above grade at $20 per sf anddifferences in basement GLA and finish in the basement at $10 per sf each based on paired sales analysis of the comparables utilized within thisreport. After adjustments were made for inferior garage count and lack of sprinkler system comparable 6 is considered to be a reliable indicator ofthe subjects median range REO value.Smaller population and limited similar sales data limted comparables available for the appraiser to utilize.The appraiser considered the most recent similar sales that were available to utilize that would compete with the subject in an open market. Hadmore REO sales been available similar to the subject in design, age, location and site size they would have been considered.

Form 1004UAD.(AC) — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

6306929



9 4 2.02,308

528sf0sfin




1029 N 2nd StCoeur D Alene, ID 838140.67 miles W

187,000133.95


ArmLthFHA;4000s07/16;c06/16 +12,200N;Res;UrbanFee Simple5489 sf +85,000N;Res;MtnDT2;MultiStoryQ497 0C4 0

6 3 1.0 +1,3001,396 +18,200

912sf0sfin -3,800

AverageGFWA/0 0None2gd4dw 0Porch/DeckNone 0Fence +1,000None

113,90060.965.0 300,900

CDAMLS03/07/2017


220,000143.60


ArmLth 0Conv;0s05/16;c05/16 +16,100N;Res;UrbanFee Simple13373 sf +48,000N;Res;MtnDT2;MultiStoryQ4102 0C3

7 4 2.0 01,532 +15,500

512sf0sfin 0

AverageGFWA/0 0None2gd2dw 0Porch/Patios 0None 0Fence +1,000None

80,60036.636.6 300,600

CDAMLS03/07/2017

1111 N 6th StCoeur D Alene, ID 838140.40 miles W

224,000109.38


ArmLth 0Conv;5000 0s05/16;c03/16 +19,900N;Res;UrbanFee Simple11718 sf +53,000N;Res;MtnDT2;MultiStoryQ487 0C3

7 4 2.0 02,048 +5,200

1120sf128sfin -5,9001rr0br0.0ba0o -1,300AverageGFWA/0 0None1gd2dw +5,000Porch/Patios 0Wood Stove 0Fence +1,000None

76,90034.340.8 300,900

CDAMLS03/07/2017

4 5 6

4 5 6

None noted.

Comparable 4 is an additonal closed sale and considered inferior to the subject in site size and GLA. Comparable 4 wasadjusted for differences based on paired sales analysis of the comparables utilized, vacant land sales analysis, assessor records and theappraisers daily interaction in the market place to bring the comparable utilized more inline with the subject. Comparable 4 was adjusted for beingan older sale outside of 6 months at 6.55% as of its contract date due to market increase based on MLS statistics included within this report tobring the comparable more inline with the effective date. Comparable 4 was also adjusted for differences in site size and value based on vacantland sales 16-5053,15-4993,16-8190 included within the report, assessor land records and paired sales analysis of the comparables utilized afterall other adjustments were determined. Comparable 4 was adjusted for inferior above grade GLA at $20 per sf and for having a larger basement at$10 per sf based on paired sales utilized within this report and the appraisers daily interaction in the market place. After adjustments were madecomparable 4 is considered to be a reliable indication of the subjects median range REO value. No adjustment was made for being armslengthbased on paired sales utilized and REO sales not being predominant in the market at this time. Comparable 4 was reflected as C4 condition in aprevious report for which no adjustment was made due to lack of market reaction to the sales utilized after all other adjustments were determined.

Comparable 5 is an additonal closed sale and considered as additonal support for value and adjustments made to the comparables utilized to bringthem more inline wiht the subject property. Comparable 5 was also adjusted for inferior site value based on vacant land sales 15-2121 and16-10217 included within this report and paired sales analysis of the comparables utilized. Comparable 5 was adjusted for inferior GLA abovegrade at $20 per sf and lack of sprinkler system based on paired sales utilized within this report. Comparable 5 after adjustments were made isconsidered to be a reliable indication of the subjects median range REO value.

Comparable 6 is an additonal closed sale and is the oldest sale utilized. Comparable 6 is just within 12 months and adjusted for time of saledifferences due to market increase over the prior 12 months based on MLS statistics at 8.90% as of its contract date to bring the comparableutilized more inline with the effective date of this report. Comparable 6 was also adjusted for infer site size and value based on assessor landrecords and vacant land sale 16-3479 included within this report. Comparable 6 was also adjusted for inferior GLA above grade at $20 per sf anddifferences in basement GLA and finish in the basement at $10 per sf each based on paired sales analysis of the comparables utilized within thisreport. After adjustments were made for inferior garage count and lack of sprinkler system comparable 6 is considered to be a reliable indicator ofthe subjects median range REO value.Smaller population and limited similar sales data limted comparables available for the appraiser to utilize.The appraiser considered the most recent similar sales that were available to utilize that would compete with the subject in an open market. Hadmore REO sales been available similar to the subject in design, age, location and site size they would have been considered.

Form 1004UAD.(AC) — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE


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FEATURE SUBJECT COMPARABLE SALE # COMPARABLE SALE # COMPARABLE SALE #Address






Report the results of the research and analysis of the prior sale or transfer history of the subject property and comparable sales (report additional prior sales on page 3).ITEM SUBJECT COMPARABLE SALE # COMPARABLE SALE # COMPARABLE SALE #

Date of Prior Sale/TransferPrice of Prior Sale/TransferData Source(s)Effective Date of Data Source(s)Analysis of prior sale or transfer history of the subject property and comparable sales

Analysis/Comments

Freddie Mac Form 70 March 2005 Fannie Mae Form 1004 March 2005UAD Version 9/2011


File No.

SUPPLEMENTAL REAL ESTATE OWNED APPRAISAL ADDENDUMProperty Address City State Zip CodeLegal Description CountyIs the subject property currently listed? Yes No Current List Price: $ Agent:Listing Company/Address/Phone:

ITEM SUBJECT LISTING # LISTING # LISTING #Address

Proximity to SubjectOriginal List Price $ $ $ $Total Days on MarketCurrent List Price $ $ $ $DOM Since Last RevisionLast Sale DatePrice/Gross Living Area $ $ $ $sq.ft. sq.ft. sq.ft. sq.ft.Data SourceData VerificationREO Property Yes No Yes No Yes No Yes NoVacant/OccupiedVALUE ADJUSTMENTS DESCRIPTION DESCRIPTION +/- $

Adjustment DESCRIPTION +/- $Adjustment DESCRIPTION +/- $

Adjustment

Concessions OfferedLocationSite SizeSite Views/AppealDesign (Style)Quality of ConstructionAgeConditionAbove GradeRoom Count

Total Bdrms. Baths Total Bdrms. Baths Total Bdrms. Baths Total Bdrms. Baths

Gross Living Area sq.ft. sq.ft. sq.ft. sq.ft.Basement & FinishedRooms Below GradeFunctional UtilityHeating/CoolingGarage/Carport

Net Adj. (Total) + – + – + –$$ $ $Adjusted List Priceof Comparable Listings $$ $ $Provide an itemized list of repairs recommended to bring the property into marketable condition. Cost estimates should be based on reliable published cost sources and/or localcost resources. The appraiser is not an expert in the field of building construction and actual costs may vary from those provided. Repair costs and opinions reported herein aresubject to future revision based on new repair estimates and evaluations by a licensed building contractor.REPAIR ITEM ESTIMATED COST

$$$$$$$$$$$$

TOTAL ESTIMATED COST OF RECOMMENDED REPAIRS $List any recommended inspections (code compliance, structural, environmental etc.). Provide an explanation why the inspection is recommended, and comment on the effecton marketability and value. When no inspections are recommended, provide a statement to that effect.

List of the days-on-the-market for the comparable sales used in the appraisal report: Comparable #1: DOM; Comparable #2: DOM; Comparable #3: DOM.Comments:

''AS-IS'' estimate of market value based on a reasonable market exposure time rendered in the attached appraisal report: $''AS-REPAIRED'' estimate of market value based on a reasonable market exposure time: $''AS-IS'' estimate of market value based on a client-imposed restricted market exposure time of days (not to exceed 120 days): $''AS-REPAIRED'' estimate of market value based on a client-imposed restricted market exposure time of days (not to exceed 120 days): $APPRAISER:

Signature:Name:Date Report Signed:State Certification #: State:Or State License #: State:Expiration Date of Certification or License:

SUPERVISORY APPRAISER (ONLY IF REQUIRED):


6306929

1102 N 11th St Coeur D Alene ID 83814Whitla Add to CDA, S 140 Ft-Lt 5 Blk 3 13 50N 04W Kootenai


159,900

206

60.01CDAMLSAssessor

Vacant

REON;Res;Urban32,410 sfN;Res;MtnDT2;MultiStoryQ4108C3

9 4 2.02,308

528sf0sfin

AverageGFWA/CAC2gd6dwPorch/DeckFence/SprinklerNone

1402 E Coeur D Alene AveCoeur D Alene, ID 838140.71 miles SE

225,000137

225,00013706/12/2006

156.69CDAMLS#16-11153Assessor

Vacant

Short Sale 0N;Res;Urban11021 sf +25,000N;Res;MtnDT2;MultiStoryQ499 0C4 +40,000

7 3 11,436 +17,400

1116sf800sfin -5,9000rr1br0ba0o -8,000AverageGFWA/0 01gd2dw +5,000Porch/DeckFence +1,000Small Guest House 0

74,500

299,500


279,00059

279,000598/11/2009


Owner

ArmslengthN;Res;Urban5489 sf +60,000N;Res;MtnDT2;MultiStoryQ499C2 -50,000

7 4 2 01,666 +12,800

312sf0sfin +2,200

AverageGFWA/CAC2gd1cp4dw -5,000Porch/Patio 0Fence/SprinklersNone

20,000

299,000

812 E Wallace AveCoeur D Alene, ID 838140.61 miles SW

319,500111

319,50011106/28/2013


Vacant

ArmslengthN;Res;Urban5489 sf +60,000N;Res;MtnDT2;MultiStoryQ4109C3

9 5 21,972 +6,700

1310sf0sfin -7,800

AverageGFWA/0 02ga4dwPorch/Patio 0Fence/SprinklersNone

58,900

378,400

Remediate peeling paint on siding and deck 2,000Replace broken windows in attic area 500Remediate all exposed electrical within interior of home. 500

3,000

None noted. REO properties are not a factor in the market place at this time.

137 59 111

300,000300,000

30 275,00030 275,000

Kevin M. Handlen03/7/2017CRA-2683 ID

08/18/2017

Form REO2 — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

1 2 3

6306929

1102 N 11th St Coeur D Alene ID 83814Whitla Add to CDA, S 140 Ft-Lt 5 Blk 3 13 50N 04W Kootenai


159,900

206

60.01CDAMLSAssessor

Vacant

REON;Res;Urban32,410 sfN;Res;MtnDT2;MultiStoryQ4108C3

9 4 2.02,308

528sf0sfin

AverageGFWA/CAC2gd6dwPorch/DeckFence/SprinklerNone

1402 E Coeur D Alene AveCoeur D Alene, ID 838140.71 miles SE

225,000137

225,00013706/12/2006


Vacant

Short Sale 0N;Res;Urban11021 sf +25,000N;Res;MtnDT2;MultiStoryQ499 0C4 +40,000

7 3 11,436 +17,400

1116sf800sfin -5,9000rr1br0ba0o -8,000AverageGFWA/0 01gd2dw +5,000Porch/DeckFence +1,000Small Guest House 0

74,500

299,500


279,00059

279,000598/11/2009


Owner

ArmslengthN;Res;Urban5489 sf +60,000N;Res;MtnDT2;MultiStoryQ499C2 -50,000

7 4 2 01,666 +12,800

312sf0sfin +2,200

AverageGFWA/CAC2gd1cp4dw -5,000Porch/Patio 0Fence/SprinklersNone

20,000

299,000

812 E Wallace AveCoeur D Alene, ID 838140.61 miles SW

319,500111

319,50011106/28/2013


Vacant

ArmslengthN;Res;Urban5489 sf +60,000N;Res;MtnDT2;MultiStoryQ4109C3

9 5 21,972 +6,700

1310sf0sfin -7,800

AverageGFWA/0 02ga4dwPorch/Patio 0Fence/SprinklersNone

58,900

378,400

Remediate peeling paint on siding and deck 2,000Replace broken windows in attic area 500Remediate all exposed electrical within interior of home. 500

3,000

None noted. REO properties are not a factor in the market place at this time.

137 59 111

300,000300,000

30 275,00030 275,000

Kevin M. Handlen03/7/2017CRA-2683 ID

08/18/2017

Form REO2 — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

1 2 3

File No.

SUPPLEMENTAL REAL ESTATE OWNED APPRAISAL ADDENDUMProperty Address City State Zip CodeLegal Description CountyIs the subject property currently listed? Yes No Current List Price: $ Agent:Listing Company/Address/Phone:

ITEM SUBJECT LISTING # LISTING # LISTING #Address

Proximity to SubjectOriginal List Price $ $ $ $Total Days on MarketCurrent List Price $ $ $ $DOM Since Last RevisionLast Sale DatePrice/Gross Living Area $ $ $ $sq.ft. sq.ft. sq.ft. sq.ft.Data SourceData VerificationREO Property Yes No Yes No Yes No Yes NoVacant/OccupiedVALUE ADJUSTMENTS DESCRIPTION DESCRIPTION +/- $

Adjustment DESCRIPTION +/- $Adjustment DESCRIPTION +/- $

Adjustment

Concessions OfferedLocationSite SizeSite Views/AppealDesign (Style)Quality of ConstructionAgeConditionAbove GradeRoom Count

Total Bdrms. Baths Total Bdrms. Baths Total Bdrms. Baths Total Bdrms. Baths

Gross Living Area sq.ft. sq.ft. sq.ft. sq.ft.Basement & FinishedRooms Below GradeFunctional UtilityHeating/CoolingGarage/Carport

Net Adj. (Total) + – + – + –$$ $ $Adjusted List Priceof Comparable Listings $$ $ $Provide an itemized list of repairs recommended to bring the property into marketable condition. Cost estimates should be based on reliable published cost sources and/or localcost resources. The appraiser is not an expert in the field of building construction and actual costs may vary from those provided. Repair costs and opinions reported herein aresubject to future revision based on new repair estimates and evaluations by a licensed building contractor.REPAIR ITEM ESTIMATED COST

$$$$$$$$$$$$

TOTAL ESTIMATED COST OF RECOMMENDED REPAIRS $List any recommended inspections (code compliance, structural, environmental etc.). Provide an explanation why the inspection is recommended, and comment on the effecton marketability and value. When no inspections are recommended, provide a statement to that effect.

List of the days-on-the-market for the comparable sales used in the appraisal report: Comparable #1: DOM; Comparable #2: DOM; Comparable #3: DOM.Comments:

''AS-IS'' estimate of market value based on a reasonable market exposure time rendered in the attached appraisal report: $''AS-REPAIRED'' estimate of market value based on a reasonable market exposure time: $''AS-IS'' estimate of market value based on a client-imposed restricted market exposure time of days (not to exceed 120 days): $''AS-REPAIRED'' estimate of market value based on a client-imposed restricted market exposure time of days (not to exceed 120 days): $APPRAISER:


SUPERVISORY APPRAISER (ONLY IF REQUIRED):



File No.Market Conditions Addendum to the Appraisal ReportM

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The purpose of this addendum is to provide the lender/client with a clear and accurate understanding of the market trends and conditions prevalent in the subjectneighborhood. This is a required addendum for all appraisal reports with an effective date on or after April 1, 2009.Property Address City State ZIP CodeBorrowerInstructions: The appraiser must use the information required on this form as the basis for his/her conclusions, and must provide support for those conclusions, regardinghousing trends and overall market conditions as reported in the Neighborhood section of the appraisal report form. The appraiser must fill in all the information to the extentit is available and reliable and must provide analysis as indicated below. If any required data is unavailable or is considered unreliable, the appraiser must provide anexplanation. It is recognized that not all data sources will be able to provide data for the shaded areas below; if it is available, however, the appraiser must include the datain the analysis. If data sources provide the required information as an average instead of the median, the appraiser should report the available figure and identify it as anaverage. Sales and listings must be properties that compete with the subject property, determined by applying the criteria that would be used by a prospective buyer of thesubject property. The appraiser must explain any anomalies in the data, such as seasonal markets, new construction, foreclosures, etc.Inventory Analysis Prior 7–12 Months Prior 4–6 Months Current – 3 Months Overall Trend

Median Sale & List Price, DOM, Sale/List % Prior 7–12 Months Prior 4–6 Months Current – 3 Months

Total # of Comparable Sales (Settled)Absorption Rate (Total Sales/Months)Total # of Comparable Active ListingsMonths of Housing Supply (Total Listings/Ab.Rate)

Median Comparable Sale PriceMedian Comparable Sales Days on MarketMedian Comparable List PriceMedian Comparable Listings Days on MarketMedian Sale Price as % of List Price

Increasing Stable DecliningIncreasing Stable DecliningDeclining Stable IncreasingDeclining Stable Increasing

Overall TrendIncreasing Stable DecliningDeclining Stable IncreasingIncreasing Stable DecliningDeclining Stable IncreasingIncreasing Stable Declining

Seller-(developer, builder, etc.)paid financial assistance prevalent? Yes No Declining Stable IncreasingExplain in detail the seller concessions trends for the past 12 months (e.g., seller contributions increased from 3% to 5%, increasing use of buydowns, closing costs, condofees, options, etc.).

Are foreclosure sales (REO sales) a factor in the market? Yes No If yes, explain (including the trends in listings and sales of foreclosed properties).

Cite data sources for above information.

Summarize the above information as support for your conclusions in the Neighborhood section of the appraisal report form. If you used any additional information, such asan analysis of pending sales and/or expired and withdrawn listings, to formulate your conclusions, provide both an explanation and support for your conclusions.

If the subject is a unit in a condominium or cooperative project , complete the following: Project Name:Subject Project Data Prior 7–12 Months Prior 4–6 Months Current – 3 Months Overall TrendTotal # of Comparable Sales (Settled)Absorption Rate (Total Sales/Months)

Months of Unit Supply (Total Listings/Ab.Rate)Total # of Active Comparable Listings


Are foreclosure sales (REO sales) a factor in the project? Yes No If yes, indicate the number of REO listings and explain the trends in listings and sales offoreclosed properties.

Summarize the above trends and address the impact on the subject unit and project.

SignatureAppraiser NameCompany NameCompany AddressState License/Certification # State

Email Address

SignatureSupervisory Appraiser NameCompany NameCompany AddressState License/Certification # State

Email Address

Freddie Mac Form 71 March 2009 Page 1 of 1 Fannie Mae Form 1004MC March 2009

6306929

1102 N 11th St Coeur D Alene ID 83814Turner, Adam and Cardella

315.17173.3

239,00056

279,00015199

217.00

50.7

270,000108

265,00011497

124.00

92.3

241,000109

319,5006797

The box was checked no for builder/developer assistance, however private home sellers contributions to closing cost andpre-paids have been prevalent and range from 1-3 percent of the sales price.

After searching for sales of single family home on less than 1 acre within the CDA area over the prior year there were 1217 sales, 16 of whichwere REO sales and 10 sales were short sales. REO and short sale properties account for 2.1% of sales in the subject area at this time.This trends appears it will continue throughout the year.

MLS and County Assessor.

The data present on this form is not only from the neighborhood but what a typical buyer would look for in a market place, as opposed to thetop of page 2 of the 1004c form which asks to list comparable sales and listing within the subject neighborhood. The search perimeter wereexpanded to allow for statistics within the subject area within the last 12 months. The perimeter were expanded to allow for statistics, any thingless would have resulted in minimal information at best. The information above is based on 9 active listings and 64 closed sales. Searchparameters included single family homes within the last 12 months on less than 1 acre in the CDA areas built before 1940 with basements anda multi level or multi story design. 1004mc form indicates values as increasing as does CDA MLS statistics as a whole which were includedwithin this report.

NA NA

NANANANA

NANANANA

NANANANA

NA

NA


2811 N. 10th Pl, Coeur D Alene, ID 83815CRA 2683 ID

[email protected]

Form 1004MC2 — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

6306929

1102 N 11th St Coeur D Alene ID 83814Turner, Adam and Cardella

315.17173.3

239,00056

279,00015199

217.00

50.7

270,000108

265,00011497

124.00

92.3

241,000109

319,5006797

The box was checked no for builder/developer assistance, however private home sellers contributions to closing cost andpre-paids have been prevalent and range from 1-3 percent of the sales price.

After searching for sales of single family home on less than 1 acre within the CDA area over the prior year there were 1217 sales, 16 of whichwere REO sales and 10 sales were short sales. REO and short sale properties account for 2.1% of sales in the subject area at this time.This trends appears it will continue throughout the year.

MLS and County Assessor.

The data present on this form is not only from the neighborhood but what a typical buyer would look for in a market place, as opposed to thetop of page 2 of the 1004c form which asks to list comparable sales and listing within the subject neighborhood. The search perimeter wereexpanded to allow for statistics within the subject area within the last 12 months. The perimeter were expanded to allow for statistics, any thingless would have resulted in minimal information at best. The information above is based on 9 active listings and 64 closed sales. Searchparameters included single family homes within the last 12 months on less than 1 acre in the CDA areas built before 1940 with basements anda multi level or multi story design. 1004mc form indicates values as increasing as does CDA MLS statistics as a whole which were includedwithin this report.

NA NA

NANANANA

NANANANA

NANANANA

NA

NA


2811 N. 10th Pl, Coeur D Alene, ID 83815CRA 2683 ID

[email protected]

Form 1004MC2 — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

File No.Market Conditions Addendum to the Appraisal ReportM

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KET

RES

EAR

CH

& A

NA

LYSI

SC

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-OP

PRO

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The purpose of this addendum is to provide the lender/client with a clear and accurate understanding of the market trends and conditions prevalent in the subjectneighborhood. This is a required addendum for all appraisal reports with an effective date on or after April 1, 2009.Property Address City State ZIP CodeBorrowerInstructions: The appraiser must use the information required on this form as the basis for his/her conclusions, and must provide support for those conclusions, regardinghousing trends and overall market conditions as reported in the Neighborhood section of the appraisal report form. The appraiser must fill in all the information to the extentit is available and reliable and must provide analysis as indicated below. If any required data is unavailable or is considered unreliable, the appraiser must provide anexplanation. It is recognized that not all data sources will be able to provide data for the shaded areas below; if it is available, however, the appraiser must include the datain the analysis. If data sources provide the required information as an average instead of the median, the appraiser should report the available figure and identify it as anaverage. Sales and listings must be properties that compete with the subject property, determined by applying the criteria that would be used by a prospective buyer of thesubject property. The appraiser must explain any anomalies in the data, such as seasonal markets, new construction, foreclosures, etc.Inventory Analysis Prior 7–12 Months Prior 4–6 Months Current – 3 Months Overall Trend

Median Sale & List Price, DOM, Sale/List % Prior 7–12 Months Prior 4–6 Months Current – 3 Months

Total # of Comparable Sales (Settled)Absorption Rate (Total Sales/Months)Total # of Comparable Active ListingsMonths of Housing Supply (Total Listings/Ab.Rate)

Median Comparable Sale PriceMedian Comparable Sales Days on MarketMedian Comparable List PriceMedian Comparable Listings Days on MarketMedian Sale Price as % of List Price


Overall TrendIncreasing Stable DecliningDeclining Stable IncreasingIncreasing Stable DecliningDeclining Stable IncreasingIncreasing Stable Declining

Seller-(developer, builder, etc.)paid financial assistance prevalent? Yes No Declining Stable IncreasingExplain in detail the seller concessions trends for the past 12 months (e.g., seller contributions increased from 3% to 5%, increasing use of buydowns, closing costs, condofees, options, etc.).

Are foreclosure sales (REO sales) a factor in the market? Yes No If yes, explain (including the trends in listings and sales of foreclosed properties).

Cite data sources for above information.

Summarize the above information as support for your conclusions in the Neighborhood section of the appraisal report form. If you used any additional information, such asan analysis of pending sales and/or expired and withdrawn listings, to formulate your conclusions, provide both an explanation and support for your conclusions.

If the subject is a unit in a condominium or cooperative project , complete the following: Project Name:Subject Project Data Prior 7–12 Months Prior 4–6 Months Current – 3 Months Overall TrendTotal # of Comparable Sales (Settled)Absorption Rate (Total Sales/Months)

Months of Unit Supply (Total Listings/Ab.Rate)Total # of Active Comparable Listings


Are foreclosure sales (REO sales) a factor in the project? Yes No If yes, indicate the number of REO listings and explain the trends in listings and sales offoreclosed properties.

Summarize the above trends and address the impact on the subject unit and project.

SignatureAppraiser NameCompany NameCompany AddressState License/Certification # State

Email Address

SignatureSupervisory Appraiser NameCompany NameCompany AddressState License/Certification # State

Email Address

Freddie Mac Form 71 March 2009 Page 1 of 1 Fannie Mae Form 1004MC March 2009


Property AddressCity County State Zip Code

File No.Supplemental Addendum

Form TADD — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE


Borrower/Client

Lender


SCOPE OF THE APPRAISAL:

This appraisal is made to assist the lender in asset valuation for marketing purposes. No other use is intended orimplied. This report is made expressly for the client stated. Appraiser/Client relationship exists only between theclient stated and appraiser, no other client is intended. The intended user of this appraisal report is the lender/client.The intended use is to evaluate the property that is the subject of this appraisal for asset valuation, subject to thestated scope of work, purpose of the appraisal, reporting requirements of this appraisal report form, and definition ofmarket value. No additional intended users are identified by the appraiser.

Scope of Work: The following steps were made in arriving at the final estimate of value included in the appraisalreport of the subject property:1. A preliminary search of all available resources was made to determine market trends, influences and othersignificant factors pertinent to the subject property. The property has been identified previously in this report.

2. A complete inspection of the property was performed. Although due diligence was exercised while at the property,the appraisers are not experts in such matters as soils, structural engineering, hazardous waste, etc., and nowarranty is given as to these elements. As needed, inspections by various professionals within these fields might berecommended with the final estimate of value subject to their findings.

3. Research and collection of data (costs, improved sales, escrow sales, listings and income) were performed aspresent in the subject's market area and sufficient in quantity to express an opinion of value as defined herein. Weexamined data from MLS, and County Records. Pertinent data are contained in this report.

4. The direct sales comparison, cost approach and income approaches to value were considered as appropriate forthis appraisal. The results of these approaches to value are discussed later in this report.

FURTHER ASSUMPTIONS:

1) The client is the person or firm ordering this appraisal report, regardless of who occupies the property or who pays for the report, or who owns the property.2) The client is the person or firm so named or stated on page 1 of this report.3) It is assumed that the water and sewer systems meet the requirements of the local health authority.4) It is assumed that there are no zoning or local code violations of the property.5) The appraiser may, or may not, utilize MLS photos in the interest of clarity and meets with USPAP guidelines.

AREA DESCRIPTION AND MARKET CONDITIONS:

The North Idaho area is comprised of five county seats and is considered a unique part of the state. North Idaholays between Eastern Washington and Western Montana. Coeur d'Alene, one of the largest north Idaho cities, isapproximately 70 miles south of the Canadian border, as are Post Falls and Hayden. Spokane, Washington, thelargest metropolitan city in eastern Washington is approximately 30 miles west of Coeur d'Alene and Hayden, and22 miles west of Post Falls. Interstate 90, a main east/west highway runs through north Idaho. North Idaho containsmany lakes, and several rivers, surrounded by mountains and prairies. There are many recreational amenities suchas fishing, hunting, boating, gold, snow skiing, and off road vehicle trails. There are several designated NationalForest in north Idaho.

The housing market is diversified with urban neighborhoods within the small cities, suburban neighborhoods withsmall, medium and large acreage sites, lake front and riverfront sites. Typically, all of the above property types aresometimes located in the same neighborhood. The age, quality, styles, and market values could vary more thanwhat is typical in other areas and cities. It is not uncommon to have new subdivisions and older subdivisionsadjacent to each other with high and low quality homes. Nonconformity is even more prevalent in outlying areas andwaterfront properties. These features, and their locations, appear to have little adverse effect on value. Propertieslying on one side of a major highway or arterial share similar locations and, in completing the appraisal assignment,are often used as comparables.

The above described north Idaho features often cause, in appraisal assignments, market values and effective agesof the subject properties to be much lower or substantially exceed the predominant neighborhood age or value withlittle, to no adverse effect.

Comparable sales are often not located in the subject property's direct neighborhood, which causes the display ofdifferent style homes, older sales, older or newer homes, larger than desirable net and gross adjustments asestablished by national guidelines, and larger variations of the adjusted values of the comparable sales. The factthat most new subdivisions are all pre-sold homes with no exposure to the market, further exacerbates the finding ofcomparable sales. Homes not exposed to the market cannot be utilized as comparables.

Adjustments for the site size, access, utility, proximity to employment and other services, are based on thedifference in land site values between the subject and comparables. Values of these sites are established bysimilar vacant land sales. All of these features are considered when establishing site values and calculatingadjustments.

In the past the north Idaho economy has been dependent on forestry products, mining and tourism. Mining has hadextensive cutbacks and the timber industry is on decline. Tourism, on the other hand, has increased dramatically.


File No.Supplemental Addendum

Form TADD — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE


Borrower/Client

Lender


There has also been expansive recruitment of smaller, technology based companies, and light manufacturingbusinesses. With the population increase, north Idaho has seen an expansion of service and retail businesses.These new technology and manufacturing businesses are helping fulfill the much needed middle income jobs.There are several organizations helping with the promotion of local economic growth.

• ORDER : Sales Comparison Analysis - Summary of Sales Comparison Approach

The appraiser utilized the most recent most similar sales that were available, no other sales could be found do to a limitednumber of sales. Adjustments made for differences in comparison to the subject were made based on paired sales analysis andthe appraisers daily interaction in the market place.

"I have performed no other services, as an appraiser or in any other capacity, regarding the property that isthe subject of this report within the three-year period immediately preceding acceptance of thisassignment."

The Reasonable Exposure Time the property interest being appraised would have been offered on themarket prior to the hypothetical consummation of a sale at market value on the effective date of anappraisal; a retrospective opinion based on an analysis of past events assuming a competitive and openmarket. The appraiser has determined that the property would have to be exposed for 0 to 90 days on theopen market in order to have a market value of $300,000 on the effective date of this appraisal. Comparables 1 - 6 are the most recent similar sales and are located within the subjectsmarketing area. Comparables utilized are considered to be reliable indicators of value.Comparables utilized would compete with the subject in an open market and were considered tobracket the subject properties opinion of value and support adjustments made. Lack of sales asa result of the time of year further more limited the comparables available to the appraiser toconsidered that recently had sold within the last 90 days. Had sales within the last 90 days beenavailable to utilize similar to the subject they would have been considered. Search parametersincluded all sales within the last 12 months within the CDA area. Comparables utilized on theREO addendum are current active listings and have not sold.

The subject utilities were on at the time of inspection. No property condition report was suppliedto the appraiser by the client and the appraiser is utilizing an extraordinary assumption that thesubject property is free from major issues. Net,gross and across the board adjustments exceedguidelines due to adjustments made based on market extraction to bring the comparablesutilized more inline with the subject.

03/08/2017 concerns

2nd bathroom was added to sketch. Interior photo typo was corrected. REO addendum nowindicates a 30 day value. As is value and as repaired values are the same due to similar overallcondition and appeal, repairs being minimal and typical of REO properties. Signature date waschanged to reflect these comments and changes.


Form PICPIX.SR — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

Subject Photo PageTurner, Adam and Cardella1102 N 11th StCoeur D Alene Kootenai ID 83814Bayview Loan Servicing

Subject Front

Sales PriceGross Living AreaTotal RoomsBorrower/ClientLenderLocationViewSiteQualityAge

1102 N 11th St

2,308942.0N;Res;UrbanN;Res;Mtn32,410 sfQ4108

Subject Front/Side

Subject Front/Side

Borrower/Client

Lender



Subject Front


1102 N 11th St


Subject Front/Side

Subject Front/Side

Borrower/Client

Lender






Subject Rear


1102 N 11th St


Subject Rear/Side

Subject Rear/Side

Borrower/Client

Lender



Subject Rear


1102 N 11th St


Subject Rear/Side

Subject Rear/Side

Borrower/Client

Lender






Subject Street Sign

Sales PriceGross Living AreaTotal RoomsTotal BedroomsTotal BathroomsLocationViewSiteQualityAge

1102 N 11th St


Subject Address

Subject Street View

Borrower/Client

Lender



Subject Street Sign


1102 N 11th St


Subject Address

Subject Street View

Borrower/Client

Lender






Subject Roof


1102 N 11th St


Subject Condition

Broken window

Subject Condition

Steps deteriorating

Borrower/Client

Lender



Subject Roof


1102 N 11th St


Subject Condition

Broken window

Subject Condition

Steps deteriorating

Borrower/Client

Lender






Subject Condition


1102 N 11th St


Steps deteriorating

Subject Condition

Settlement crack

Subject Condition

Water against foundation fromlack of proper drainage

Borrower/Client

Lender



Subject Condition


1102 N 11th St


Steps deteriorating

Subject Condition

Settlement crack

Subject Condition

Water against foundation fromlack of proper drainage

Borrower/Client

Lender






Subject Algae Growth


1102 N 11th St


Result of improper drainage

Subject Peeling Paint


Borrower/Client

Lender



Subject Algae Growth


1102 N 11th St


Result of improper drainage



Borrower/Client

Lender








1102 N 11th St




Garage

Borrower/Client

Lender





1102 N 11th St




Garage

Borrower/Client

Lender








1102 N 11th St


Garage


Garage


House on aluminum sidingthat was previously painted

Borrower/Client

Lender





1102 N 11th St


Garage


Garage


House on aluminum sidingthat was previously painted

Borrower/Client

Lender






Subject Foundation


1102 N 11th St


Both concrete and rock

Subject AC Unit

Subject Attic Area

Borrower/Client

Lender



Subject Foundation


1102 N 11th St


Both concrete and rock

Subject AC Unit

Subject Attic Area

Borrower/Client

Lender






Subject Entry


1102 N 11th St


Subject Living Room

Subject Living Room Pic 2

Borrower/Client

Lender



Subject Entry


1102 N 11th St


Subject Living Room

Subject Living Room Pic 2

Borrower/Client

Lender






Subject Dining Room


1102 N 11th St


Subject Den

no closet

Subject Bathroom

Borrower/Client

Lender



Subject Dining Room


1102 N 11th St


Subject Den

no closet

Subject Bathroom

Borrower/Client

Lender






Subject Kitchen


1102 N 11th St


Subject Kitchen Pic 2


Missing appliances

Borrower/Client

Lender



Subject Kitchen


1102 N 11th St




Missing appliances

Borrower/Client

Lender






Subject Laundry Area


1102 N 11th St


Subject Stairway

No hand railing

Subject Bedroom

Borrower/Client

Lender



Subject Laundry Area


1102 N 11th St


Subject Stairway

No hand railing

Subject Bedroom

Borrower/Client

Lender






Subject Bedroom


1102 N 11th St


Subject Bedroom

Subject Bedroom

Borrower/Client

Lender



Subject Bedroom


1102 N 11th St


Subject Bedroom

Subject Bedroom

Borrower/Client

Lender






Subject Bathroom


1102 N 11th St


Subject Family Room

Subject Settlement

Large crack in corner

Borrower/Client

Lender



Subject Bathroom


1102 N 11th St


Subject Family Room

Subject Settlement

Large crack in corner

Borrower/Client

Lender






Subject Settlement


1102 N 11th St


Subject Condition

Subject Condition

Borrower/Client

Lender



Subject Settlement


1102 N 11th St


Subject Condition

Subject Condition

Borrower/Client

Lender






Subject Condition


1102 N 11th St


Subject Condition

Subject Street

Borrower/Client

Lender



Subject Condition


1102 N 11th St


Subject Condition

Subject Street

Borrower/Client

Lender






Subject Basement


1102 N 11th St


Subject Basement

Subject Heating Systems

Borrower/Client

Lender



Subject Basement


1102 N 11th St


Subject Basement

Subject Heating Systems

Borrower/Client

Lender






Subject Heating System


1102 N 11th St


There are 2 separate heatingsystems in this home

Subject Electrical Panel

Subject Crawl Space

Borrower/Client

Lender



Subject Heating System


1102 N 11th St


There are 2 separate heatingsystems in this home

Subject Electrical Panel

Subject Crawl Space

Borrower/Client

Lender






Subject Garage


1102 N 11th St


Subject Water On

Subject Entry

Borrower/Client

Lender



Subject Garage


1102 N 11th St


Subject Water On

Subject Entry

Borrower/Client

Lender




Form PICPIX.CR — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

Comparable Photo PageTurner, Adam and Cardella1102 N 11th StCoeur D Alene Kootenai ID 83814Bayview Loan Servicing

Comparable 1

Prox. to SubjectSales PriceGross Living AreaTotal RoomsTotal BedroomsTotal BathroomsLocationViewSiteQualityAge

12271 N Emerald Dr6.85 miles N204,4002,020732.1N;Res;SuburbanN;Res;Mtn16901 sfQ439

Appraiser Photo

Comparable 2


1043 E Mountain Ave1.11 miles S248,8501,102632.0N;Res;UrbanN;Res;Mtn5489 sfQ4117

Appraiser Photo

Comparable 3


1850 W Prairie Ave4.53 miles NW278,5002,101632.0N;Res;UrbanN;Res;Mtn1.88 acQ483

Appraiser Photo

Borrower/Client

Lender



Comparable 1


12271 N Emerald Dr6.85 miles N204,4002,020732.1N;Res;SuburbanN;Res;Mtn16901 sfQ439

Appraiser Photo

Comparable 2


1043 E Mountain Ave1.11 miles S248,8501,102632.0N;Res;UrbanN;Res;Mtn5489 sfQ4117

Appraiser Photo

Comparable 3


1850 W Prairie Ave4.53 miles NW278,5002,101632.0N;Res;UrbanN;Res;Mtn1.88 acQ483

Appraiser Photo

Borrower/Client

Lender






Comparable 4

Prox. to SubjectSales PriceBorrower/ClientLenderTotal BedroomsTotal BathroomsLocationViewSiteQualityAge

1029 N 2nd St0.67 miles W187,0001,396631.0N;Res;UrbanN;Res;Mtn5489 sfQ497

Appraiser photo

Comparable 51401 N Government Way

0.83 miles W220,0001,532742.0N;Res;UrbanN;Res;Mtn13373 sfQ4102

Appraiser Photo

Comparable 61111 N 6th St


Appraiser Photo

Borrower/Client

Lender



Comparable 4

Prox. to SubjectSales PriceBorrower/ClientLenderTotal BedroomsTotal BathroomsLocationViewSiteQualityAge

1029 N 2nd St0.67 miles W187,0001,396631.0N;Res;UrbanN;Res;Mtn5489 sfQ497

Appraiser photo

Comparable 51401 N Government Way


Appraiser Photo

Comparable 61111 N 6th St


Appraiser Photo

Borrower/Client

Lender




Form GPDS#LND_LT — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

Listing Photo PageTurner, Adam and Cardella1102 N 11th StCoeur D Alene Kootenai ID 83814Bayview Loan Servicing

Listing 1

Prox. to SubjectList PriceLast Price. Rev. DateDays on MarketSite AreaLocation

1402 E Coeur D Alene Ave0.71 miles SE225,000

13711021 sfN;Res;UrbanPorch/DeckFenceSmall Guest House

Appraiser Photo

Listing 2


1123 N Government Way0.79 miles W279,000

595489 sfN;Res;UrbanPorch/PatioFence/SprinklersNone

Appraiser photo

Listing 3


812 E Wallace Ave0.61 miles SW319,500


Appraiser photo

Borrower/Client

Lender

Form GPDS#LND_LT — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

Listing Photo PageTurner, Adam and Cardella1102 N 11th StCoeur D Alene Kootenai ID 83814Bayview Loan Servicing

Listing 1


1402 E Coeur D Alene Ave0.71 miles SE225,000

13711021 sfN;Res;UrbanPorch/DeckFenceSmall Guest House

Appraiser Photo

Listing 2


1123 N Government Way0.79 miles W279,000


Appraiser photo

Listing 3


812 E Wallace Ave0.61 miles SW319,500


Appraiser photo

Borrower/Client

Lender



ENVIRONMENTAL ADDENDUMAPPARENT* HAZARDOUS SUBSTANCES AND/OR DETRIMENTAL ENVIRONMENTAL CONDITIONS

AddressCity County State Zip code

*Apparent is defined as that which is visible, obvious, evident or manifest to the appraiser.

This universal Environmental Addendum is for use with any real estate appraisal. Only the statements which have been checked by the appraiser applyto the property being appraised.

This addendum reports the results of the appraiser's routine inspection of and inquiries about the subject property and its surrounding area. It also states what assumptionswere made about the existence (or nonexistence) of any hazardous substances and/or detrimental environmental conditions. The appraiser is not an expert environmentalinspector and therefore might be unaware of existing hazardous substances and/or detrimental environmental conditions which may have a negative effect on the safety andvalue of the property. It is possible that tests and inspections made by a qualified environmental inspector would reveal the existence of hazardous materials and/or detrimentalenvironmental conditions on or around the property that would negatively affect its safety and value.

DRINKING WATER

Drinking Water is supplied to the subject from a municipal water supply which is considered safe. However the only way to be absolutely certain that the water meetspublished standards is to have it tested at all discharge points.Drinking Water is supplied by a well or other non-municipal source. It is recommended that tests be made to be certain that the property is supplied with adequate purewater.Lead can get into drinking water from its source, the pipes, at all discharge points, plumbing fixtures and/or appliances. The only way to be certain that water does notcontain an unacceptable lead level is to have it tested at all discharge points.The value estimated in this appraisal is based on the assumption that there is an adequate supply of safe, lead-free Drinking Water.

Comments

SANITARY WASTE DISPOSAL

Sanitary Waste is removed from the property by a municipal sewer system.Sanitary Waste is disposed of by a septic system or other sanitary on site waste disposal system. The only way to determine that the disposal system is adequate and ingood working condition is to have it inspected by a qualified inspector.The value estimated in this appraisal is based on the assumption that the Sanitary Waste is disposed of by a municipal sewer or an adequate properly permitted alternatetreatment system in good condition.

Comments

SOIL CONTAMINANTS

There are no apparent signs of Soil Contaminants on or near the subject property (except as reported in Comments below). It is possible that research, inspection andtesting by a qualified environmental inspector would reveal existing and/or potential hazardous substances and/or detrimental environmental conditions on or around theproperty that would negatively affect its safety and value.The value estimated in this appraisal is based on the assumption that the subject property is free of Soil Contaminants.

Comments

ASBESTOS

All or part of the improvements were constructed before 1979 when Asbestos was a common building material. The only way to be certain that the property is free offriable and non-friable Asbestos is to have it inspected and tested by a qualified asbestos inspector.The improvements were constructed after 1979. No apparent friable Asbestos was observed (except as reported in Comments below).The value estimated in this appraisal is based on the assumption that there is no uncontained friable Asbestos or other hazardous Asbestos material on the property.

Comments

PCBs (POLYCHLORINATED BIPHENYLS)

There were no apparent leaking fluorescent light ballasts, capacitors or transformers anywhere on or nearby the property (except as reported in Comments below).There was no apparent visible or documented evidence known to the appraiser of soil or groundwater contamination from PCBs anywhere on the property (exceptas reported in Comments below).The value estimated in this appraisal is based on the assumption that there are no uncontained PCBs on or nearby the property.

Comments

RADON

The appraiser is not aware of any Radon tests made on the subject property within the past 12 months (except as reported in Comments below).The appraiser is not aware of any indication that the local water supplies have been found to have elevated levels of Radon or Radium.The appraiser is not aware of any nearby properties (except as reported in Comments below) that were or currently are used for uranium, thorium or radium extractionor phosphate processing.The value estimated in this appraisal is based on the assumption that the Radon level is at or below EPA recommended levels.

Comments

Form 69F — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODEAnderson Appraisals

Turner, Adam and Cardella1102 N 11th StCoeur D Alene Kootenai ID 83814Bayview Loan Servicing

X

Common to the area

X

Common to the area

X

X

XX

XXX

Borrower/Client

Lender

Form 69F — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODEAnderson Appraisals

Turner, Adam and Cardella1102 N 11th StCoeur D Alene Kootenai ID 83814Bayview Loan Servicing

X

Common to the area

X

Common to the area

X

X

XX

XXX

Borrower/Client

Lender

ENVIRONMENTAL ADDENDUMAPPARENT* HAZARDOUS SUBSTANCES AND/OR DETRIMENTAL ENVIRONMENTAL CONDITIONS

AddressCity County State Zip code

*Apparent is defined as that which is visible, obvious, evident or manifest to the appraiser.

This universal Environmental Addendum is for use with any real estate appraisal. Only the statements which have been checked by the appraiser applyto the property being appraised.

This addendum reports the results of the appraiser's routine inspection of and inquiries about the subject property and its surrounding area. It also states what assumptionswere made about the existence (or nonexistence) of any hazardous substances and/or detrimental environmental conditions. The appraiser is not an expert environmentalinspector and therefore might be unaware of existing hazardous substances and/or detrimental environmental conditions which may have a negative effect on the safety andvalue of the property. It is possible that tests and inspections made by a qualified environmental inspector would reveal the existence of hazardous materials and/or detrimentalenvironmental conditions on or around the property that would negatively affect its safety and value.

DRINKING WATER

Drinking Water is supplied to the subject from a municipal water supply which is considered safe. However the only way to be absolutely certain that the water meetspublished standards is to have it tested at all discharge points.Drinking Water is supplied by a well or other non-municipal source. It is recommended that tests be made to be certain that the property is supplied with adequate purewater.Lead can get into drinking water from its source, the pipes, at all discharge points, plumbing fixtures and/or appliances. The only way to be certain that water does notcontain an unacceptable lead level is to have it tested at all discharge points.The value estimated in this appraisal is based on the assumption that there is an adequate supply of safe, lead-free Drinking Water.

Comments

SANITARY WASTE DISPOSAL

Sanitary Waste is removed from the property by a municipal sewer system.Sanitary Waste is disposed of by a septic system or other sanitary on site waste disposal system. The only way to determine that the disposal system is adequate and ingood working condition is to have it inspected by a qualified inspector.The value estimated in this appraisal is based on the assumption that the Sanitary Waste is disposed of by a municipal sewer or an adequate properly permitted alternatetreatment system in good condition.

Comments

SOIL CONTAMINANTS

There are no apparent signs of Soil Contaminants on or near the subject property (except as reported in Comments below). It is possible that research, inspection andtesting by a qualified environmental inspector would reveal existing and/or potential hazardous substances and/or detrimental environmental conditions on or around theproperty that would negatively affect its safety and value.The value estimated in this appraisal is based on the assumption that the subject property is free of Soil Contaminants.

Comments

ASBESTOS

All or part of the improvements were constructed before 1979 when Asbestos was a common building material. The only way to be certain that the property is free offriable and non-friable Asbestos is to have it inspected and tested by a qualified asbestos inspector.The improvements were constructed after 1979. No apparent friable Asbestos was observed (except as reported in Comments below).The value estimated in this appraisal is based on the assumption that there is no uncontained friable Asbestos or other hazardous Asbestos material on the property.

Comments

PCBs (POLYCHLORINATED BIPHENYLS)

There were no apparent leaking fluorescent light ballasts, capacitors or transformers anywhere on or nearby the property (except as reported in Comments below).There was no apparent visible or documented evidence known to the appraiser of soil or groundwater contamination from PCBs anywhere on the property (exceptas reported in Comments below).The value estimated in this appraisal is based on the assumption that there are no uncontained PCBs on or nearby the property.

Comments

RADON

The appraiser is not aware of any Radon tests made on the subject property within the past 12 months (except as reported in Comments below).The appraiser is not aware of any indication that the local water supplies have been found to have elevated levels of Radon or Radium.The appraiser is not aware of any nearby properties (except as reported in Comments below) that were or currently are used for uranium, thorium or radium extractionor phosphate processing.The value estimated in this appraisal is based on the assumption that the Radon level is at or below EPA recommended levels.

Comments


USTs (UNDERGROUND STORAGE TANKS)

There is no apparent visible or documented evidence known to the appraiser of any USTs on the property nor any known historical use of the property that wouldlikely have had USTs.There are no apparent petroleum storage and/or delivery facilities (including gasoline stations or chemical manufacturing plants) located on adjacent properties (exceptas reported in Comments below).There are apparent signs of USTs existing now or in the past on the subject property. It is recommended that an inspection by a qualified UST inspector be obtained todetermine the location of any USTs together with their condition and proper registration if they are active; and if they are inactive, to determine whether they weredeactivated in accordance with sound industry practices.The value estimated in this appraisal is based on the assumption that any functioning USTs are not leaking and are properly registered and that any abandoned USTs arefree from contamination and were properly drained, filled and sealed.

Comments

NEARBY HAZARDOUS WASTE SITESThere are no apparent Hazardous Waste Sites on the subject property or nearby the subject property (except as reported in Comments below). Hazardous Waste Sitesearch by a trained environmental engineer may determine that there is one or more Hazardous Waste Sites on or in the area of the subject property.The value estimated in this appraisal is based on the assumption that there are no Hazardous Waste Sites on or nearby the subject property that negatively affect thevalue or safety of the property.

Comments

UREA FORMALDEHYDE (UFFI) INSULATION

All or part of the improvements were constructed before 1982 when UREA foam insulation was a common building material. The only way to be certain that theproperty is free of UREA formaldehyde is to have it inspected by a qualified UREA formaldehyde inspector.The improvements were constructed after 1982. No apparent UREA formaldehyde materials were observed (except as reported in Comments below).The value estimated in this appraisal is based on the assumption that there is no significant UFFI insulation or other UREA formaldehyde material on the property.

Comments

LEAD PAINT

All or part of the improvements were constructed before 1980 when Lead Paint was a common building material. There is no apparent visible or known documentedevidence of peeling or flaking Lead Paint on the floors, walls or ceilings (except as reported in Comments below). The only way to be certain that the propertyis free of surface or subsurface Lead Paint is to have it inspected by a qualifed inspector.The improvements were constructed after 1980. No apparent Lead Paint was observed (except as reported in Comments below).The value estimated in this appraisal is based on the assumption that there is no flaking or peeling Lead Paint on the property.

Comments

AIR POLLUTION

There are no apparent signs of Air Pollution at the time of the inspection nor were any reported (except as reported in Comments below). The only way to be certainthat the air is free of pollution is to have it tested.The value estimated in this appraisal is based on the assumption that the property is free of Air Pollution.

Comments

WETLANDS/FLOOD PLAINS

The site does not contain any apparent Wetlands/Flood Plains (except as reported in Comments below). The only way to be certain that the site is free of Wetlands/Flood Plains is to have it inspected by a qualified environmental professional.The value estimated in this appraisal is based on the assumption that there are no Wetlands/Flood Plains on the property (except as reported in Comments below).

Comments

MISCELLANEOUS ENVIRONMENTAL HAZARDS

There are no other apparent miscellaneous hazardous substances and/or detrimental environmental conditions on or in the area of the site except as indicated below:Excess NoiseRadiation + Electromagnetic RadiationLight PollutionWaste HeatAcid Mine DrainageAgricultural PollutionGeological HazardsNearby Hazardous PropertyInfectious Medical WastesPesticidesOthers (Chemical Storage + Storage Drums, Pipelines, etc.)

The value estimated in this appraisal is based on the assumption that there are no Miscellaneous environmental Hazards (except those reported above) that would

negatively affect the value of the property.

When any of the environmental assumptions made in this addendum are not correct, the estimated value in this appraisal may not be valid.

Form 69F — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

X

X

X

X

X

X

X

X

Form 69F — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

X

X

X

X

X

X

X

X

USTs (UNDERGROUND STORAGE TANKS)

There is no apparent visible or documented evidence known to the appraiser of any USTs on the property nor any known historical use of the property that wouldlikely have had USTs.There are no apparent petroleum storage and/or delivery facilities (including gasoline stations or chemical manufacturing plants) located on adjacent properties (exceptas reported in Comments below).There are apparent signs of USTs existing now or in the past on the subject property. It is recommended that an inspection by a qualified UST inspector be obtained todetermine the location of any USTs together with their condition and proper registration if they are active; and if they are inactive, to determine whether they weredeactivated in accordance with sound industry practices.The value estimated in this appraisal is based on the assumption that any functioning USTs are not leaking and are properly registered and that any abandoned USTs arefree from contamination and were properly drained, filled and sealed.

Comments

NEARBY HAZARDOUS WASTE SITESThere are no apparent Hazardous Waste Sites on the subject property or nearby the subject property (except as reported in Comments below). Hazardous Waste Sitesearch by a trained environmental engineer may determine that there is one or more Hazardous Waste Sites on or in the area of the subject property.The value estimated in this appraisal is based on the assumption that there are no Hazardous Waste Sites on or nearby the subject property that negatively affect thevalue or safety of the property.

Comments

UREA FORMALDEHYDE (UFFI) INSULATION

All or part of the improvements were constructed before 1982 when UREA foam insulation was a common building material. The only way to be certain that theproperty is free of UREA formaldehyde is to have it inspected by a qualified UREA formaldehyde inspector.The improvements were constructed after 1982. No apparent UREA formaldehyde materials were observed (except as reported in Comments below).The value estimated in this appraisal is based on the assumption that there is no significant UFFI insulation or other UREA formaldehyde material on the property.

Comments

LEAD PAINT

All or part of the improvements were constructed before 1980 when Lead Paint was a common building material. There is no apparent visible or known documentedevidence of peeling or flaking Lead Paint on the floors, walls or ceilings (except as reported in Comments below). The only way to be certain that the propertyis free of surface or subsurface Lead Paint is to have it inspected by a qualifed inspector.The improvements were constructed after 1980. No apparent Lead Paint was observed (except as reported in Comments below).The value estimated in this appraisal is based on the assumption that there is no flaking or peeling Lead Paint on the property.

Comments

AIR POLLUTION

There are no apparent signs of Air Pollution at the time of the inspection nor were any reported (except as reported in Comments below). The only way to be certainthat the air is free of pollution is to have it tested.The value estimated in this appraisal is based on the assumption that the property is free of Air Pollution.

Comments

WETLANDS/FLOOD PLAINS

The site does not contain any apparent Wetlands/Flood Plains (except as reported in Comments below). The only way to be certain that the site is free of Wetlands/Flood Plains is to have it inspected by a qualified environmental professional.The value estimated in this appraisal is based on the assumption that there are no Wetlands/Flood Plains on the property (except as reported in Comments below).

Comments

MISCELLANEOUS ENVIRONMENTAL HAZARDS

There are no other apparent miscellaneous hazardous substances and/or detrimental environmental conditions on or in the area of the site except as indicated below:Excess NoiseRadiation + Electromagnetic RadiationLight PollutionWaste HeatAcid Mine DrainageAgricultural PollutionGeological HazardsNearby Hazardous PropertyInfectious Medical WastesPesticidesOthers (Chemical Storage + Storage Drums, Pipelines, etc.)

The value estimated in this appraisal is based on the assumption that there are no Miscellaneous environmental Hazards (except those reported above) that would

negatively affect the value of the property.

When any of the environmental assumptions made in this addendum are not correct, the estimated value in this appraisal may not be valid.


File No.

UNIFORM APPRAISAL DATASET (UAD) DEFINITIONS ADDENDUM(Source: Fannie Mae UAD Appendix D: UAD Field-Specific Standardization Requirements)

Condition Ratings and Definitions

C1

The improvements have been very recently constructed and have not previously been occupied. The entire structure and all components are newand the dwelling features no physical depreciation.*

*Note: Newly constructed improvements that feature recycled materials and/or components can be considered new dwellings provided that thedwelling is placed on a 100% new foundation and the recycled materials and the recycled components have been rehabilitated/re-manufacturedinto like-new condition. Recently constructed improvements that have not been previously occupied are not considered “new” if they have anysignificant physical depreciation (i.e., newly constructed dwellings that have been vacant for an extended period of time without adequatemaintenance or upkeep).

C2The improvements feature no deferred maintenance, little or no physical depreciation, and require no repairs. Virtually all building componentsare new or have been recently repaired, refinished, or rehabilitated. All outdated components and finishes have been updated and/or replacedwith components that meet current standards. Dwellings in this category either are almost new or have been recently completely renovated andare similar in condition to new construction.

C3The improvements are well maintained and feature limited physical depreciation due to normal wear and tear. Some components, but not everymajor building component, may be updated or recently rehabilitated. The structure has been well maintained.

C4The improvements feature some minor deferred maintenance and physical deterioration due to normal wear and tear. The dwelling has beenadequately maintained and requires only minimal repairs to building components/mechanical systems and cosmetic repairs. All major buildingcomponents have been adequately maintained and are functionally adequate.

C5

The improvements feature obvious deferred maintenance and are in need of some significant repairs. Some building components need repairs,rehabilitation, or updating. The functional utility and overall livability is somewhat diminished due to condition, but the dwelling remainsuseable and functional as a residence.

C6The improvements have substantial damage or deferred maintenance with deficiencies or defects that are severe enough to affect the safety,soundness, or structural integrity of the improvements. The improvements are in need of substantial repairs and rehabilitation, including manyor most major components.

Quality Ratings and Definitions

Q1Dwellings with this quality rating are usually unique structures that are individually designed by an architect for a specified user. Suchresidences typically are constructed from detailed architectural plans and specifications and feature an exceptionally high level of workmanshipand exceptionally high-grade materials throughout the interior and exterior of the structure. The design features exceptionally high-qualityexterior refinements and ornamentation, and exceptionally high-quality interior refinements. The workmanship, materials, and finishesthroughout the dwelling are of exceptionally high quality.

Q2

Dwellings with this quality rating are often custom designed for construction on an individual property owner’s site. However, dwellings inthis quality grade are also found in high-quality tract developments featuring residence constructed from individual plans or from highlymodified or upgraded plans. The design features detailed, high quality exterior ornamentation, high-quality interior refinements, and detail. Theworkmanship, materials, and finishes throughout the dwelling are generally of high or very high quality.

Q3

Dwellings with this quality rating are residences of higher quality built from individual or readily available designer plans in above-standardresidential tract developments or on an individual property owner’s site. The design includes significant exterior ornamentation and interiorsthat are well finished. The workmanship exceeds acceptable standards and many materials and finishes throughout the dwelling have beenupgraded from “stock” standards.

Q4

Dwellings with this quality rating meet or exceed the requirements of applicable building codes. Standard or modified standard building plansare utilized and the design includes adequate fenestration and some exterior ornamentation and interior refinements. Materials, workmanship,finish, and equipment are of stock or builder grade and may feature some upgrades.

UAD Version 9/2011

6306929

Form UADDEFINE — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

6306929

Form UADDEFINE — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

File No.


Condition Ratings and Definitions

C1

The improvements have been very recently constructed and have not previously been occupied. The entire structure and all components are newand the dwelling features no physical depreciation.*

*Note: Newly constructed improvements that feature recycled materials and/or components can be considered new dwellings provided that thedwelling is placed on a 100% new foundation and the recycled materials and the recycled components have been rehabilitated/re-manufacturedinto like-new condition. Recently constructed improvements that have not been previously occupied are not considered “new” if they have anysignificant physical depreciation (i.e., newly constructed dwellings that have been vacant for an extended period of time without adequatemaintenance or upkeep).

C2The improvements feature no deferred maintenance, little or no physical depreciation, and require no repairs. Virtually all building componentsare new or have been recently repaired, refinished, or rehabilitated. All outdated components and finishes have been updated and/or replacedwith components that meet current standards. Dwellings in this category either are almost new or have been recently completely renovated andare similar in condition to new construction.

C3The improvements are well maintained and feature limited physical depreciation due to normal wear and tear. Some components, but not everymajor building component, may be updated or recently rehabilitated. The structure has been well maintained.

C4The improvements feature some minor deferred maintenance and physical deterioration due to normal wear and tear. The dwelling has beenadequately maintained and requires only minimal repairs to building components/mechanical systems and cosmetic repairs. All major buildingcomponents have been adequately maintained and are functionally adequate.

C5

The improvements feature obvious deferred maintenance and are in need of some significant repairs. Some building components need repairs,rehabilitation, or updating. The functional utility and overall livability is somewhat diminished due to condition, but the dwelling remainsuseable and functional as a residence.

C6The improvements have substantial damage or deferred maintenance with deficiencies or defects that are severe enough to affect the safety,soundness, or structural integrity of the improvements. The improvements are in need of substantial repairs and rehabilitation, including manyor most major components.

Quality Ratings and Definitions

Q1Dwellings with this quality rating are usually unique structures that are individually designed by an architect for a specified user. Suchresidences typically are constructed from detailed architectural plans and specifications and feature an exceptionally high level of workmanshipand exceptionally high-grade materials throughout the interior and exterior of the structure. The design features exceptionally high-qualityexterior refinements and ornamentation, and exceptionally high-quality interior refinements. The workmanship, materials, and finishesthroughout the dwelling are of exceptionally high quality.

Q2

Dwellings with this quality rating are often custom designed for construction on an individual property owner’s site. However, dwellings inthis quality grade are also found in high-quality tract developments featuring residence constructed from individual plans or from highlymodified or upgraded plans. The design features detailed, high quality exterior ornamentation, high-quality interior refinements, and detail. Theworkmanship, materials, and finishes throughout the dwelling are generally of high or very high quality.

Q3

Dwellings with this quality rating are residences of higher quality built from individual or readily available designer plans in above-standardresidential tract developments or on an individual property owner’s site. The design includes significant exterior ornamentation and interiorsthat are well finished. The workmanship exceeds acceptable standards and many materials and finishes throughout the dwelling have beenupgraded from “stock” standards.

Q4

Dwellings with this quality rating meet or exceed the requirements of applicable building codes. Standard or modified standard building plansare utilized and the design includes adequate fenestration and some exterior ornamentation and interior refinements. Materials, workmanship,finish, and equipment are of stock or builder grade and may feature some upgrades.

UAD Version 9/2011



Quality Ratings and Definitions (continued)

Q5

Dwellings with this quality rating feature economy of construction and basic functionality as main considerations. Such dwellings feature aplain design using readily available or basic floor plans featuring minimal fenestration and basic finishes with minimal exterior ornamentationand limited interior detail. These dwellings meet minimum building codes and are constructed with inexpensive, stock materialswith limited refinements and upgrades.

Q6

Dwellings with this quality rating are of basic quality and lower cost; some may not be suitable for year-round occupancy. Such dwellingsare often built with simple plans or without plans, often utilizing the lowest quality building materials. Such dwellings are often built orexpanded by persons who are professionally unskilled or possess only minimal construction skills. Electrical, plumbing, and other mechanicalsystems and equipment may be minimal or non-existent. Older dwellings may feature one or more substandard or non-conforming additionsto the original structure

Definitions of Not Updated, Updated, and Remodeled

Not UpdatedLittle or no updating or modernization. This description includes, but is not limited to, new homes.Residential properties of fifteen years of age or less often reflect an original condition with no updating, if no majorcomponents have been replaced or updated. Those over fifteen years of age are also considered not updated if theappliances, fixtures, and finishes are predominantly dated. An area that is ‘Not Updated’ may still be well maintainedand fully functional, and this rating does not necessarily imply deferred maintenance or physical/functional deterioration.

UpdatedThe area of the home has been modified to meet current market expectations. These modificationsare limited in terms of both scope and cost.An updated area of the home should have an improved look and feel, or functional utility. Changes that constituteupdates include refurbishment and/or replacing components to meet existing market expectations. Updates do notinclude significant alterations to the existing structure.

Remodeled

Significant finish and/or structural changes have been made that increase utility and appeal throughcomplete replacement and/or expansion.

A remodeled area reflects fundamental changes that include multiple alterations. These alterations may includesome or all of the following: replacement of a major component (cabinet(s), bathtub, or bathroom tile), relocationof plumbing/gas fixtures/appliances, significant structural alterations (relocating walls, and/or the addition of)square footage). This would include a complete gutting and rebuild.

Explanation of Bathroom Count

Three-quarter baths are counted as a full bath in all cases. Quarter baths (baths that feature only a toilet) are notincluded in the bathroom count. The number of full and half baths is reported by separating the two values using aperiod, where the full bath count is represented to the left of the period and the half bath count is represented to theright of the period.

Example:3.2 indicates three full baths and two half baths.

UAD Version 9/2011

Form UADDEFINE — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODEForm UADDEFINE — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE


Quality Ratings and Definitions (continued)

Q5

Dwellings with this quality rating feature economy of construction and basic functionality as main considerations. Such dwellings feature aplain design using readily available or basic floor plans featuring minimal fenestration and basic finishes with minimal exterior ornamentationand limited interior detail. These dwellings meet minimum building codes and are constructed with inexpensive, stock materialswith limited refinements and upgrades.

Q6

Dwellings with this quality rating are of basic quality and lower cost; some may not be suitable for year-round occupancy. Such dwellingsare often built with simple plans or without plans, often utilizing the lowest quality building materials. Such dwellings are often built orexpanded by persons who are professionally unskilled or possess only minimal construction skills. Electrical, plumbing, and other mechanicalsystems and equipment may be minimal or non-existent. Older dwellings may feature one or more substandard or non-conforming additionsto the original structure

Definitions of Not Updated, Updated, and Remodeled

Not UpdatedLittle or no updating or modernization. This description includes, but is not limited to, new homes.Residential properties of fifteen years of age or less often reflect an original condition with no updating, if no majorcomponents have been replaced or updated. Those over fifteen years of age are also considered not updated if theappliances, fixtures, and finishes are predominantly dated. An area that is ‘Not Updated’ may still be well maintainedand fully functional, and this rating does not necessarily imply deferred maintenance or physical/functional deterioration.

UpdatedThe area of the home has been modified to meet current market expectations. These modificationsare limited in terms of both scope and cost.An updated area of the home should have an improved look and feel, or functional utility. Changes that constituteupdates include refurbishment and/or replacing components to meet existing market expectations. Updates do notinclude significant alterations to the existing structure.

Remodeled

Significant finish and/or structural changes have been made that increase utility and appeal throughcomplete replacement and/or expansion.

A remodeled area reflects fundamental changes that include multiple alterations. These alterations may includesome or all of the following: replacement of a major component (cabinet(s), bathtub, or bathroom tile), relocationof plumbing/gas fixtures/appliances, significant structural alterations (relocating walls, and/or the addition of)square footage). This would include a complete gutting and rebuild.

Explanation of Bathroom Count

Three-quarter baths are counted as a full bath in all cases. Quarter baths (baths that feature only a toilet) are notincluded in the bathroom count. The number of full and half baths is reported by separating the two values using aperiod, where the full bath count is represented to the left of the period and the half bath count is represented to theright of the period.

Example:3.2 indicates three full baths and two half baths.

UAD Version 9/2011



Abbreviations Used in Data Standardization Text

Abbreviation Full Name Fields Where This Abbreviation May Appearac Acres Area, SiteAdjPrk Adjacent to Park LocationAdjPwr Adjacent to Power Lines LocationA Adverse Location & ViewArmLth Arms Length Sale Sale or Financing Concessionsba Bathroom(s) Basement & Finished Rooms Below Gradebr Bedroom Basement & Finished Rooms Below GradeB Beneficial Location & ViewCash Cash Sale or Financing ConcessionsCtySky City View Skyline View ViewCtyStr City Street View ViewComm Commercial Influence Locationc Contracted Date Date of Sale/TimeConv Conventional Sale or Financing ConcessionsCrtOrd Court Ordered Sale Sale or Financing ConcessionsDOM Days On Market Data Sourcese Expiration Date Date of Sale/TimeEstate Estate Sale Sale or Financing ConcessionsFHA Federal Housing Authority Sale or Financing ConcessionsGlfCse Golf Course LocationGlfvw Golf Course View ViewInd Industrial Location & Viewin Interior Only Stairs Basement & Finished Rooms Below GradeLndfl Landfill LocationLtdSght Limited Sight ViewListing Listing Sale or Financing ConcessionsMtn Mountain View ViewN Neutral Location & ViewNonArm Non-Arms Length Sale Sale or Financing ConcessionsBsyRd Busy Road Locationo Other Basement & Finished Rooms Below GradePrk Park View ViewPstrl Pastoral View ViewPwrLn Power Lines ViewPubTrn Public Transportation Locationrr Recreational (Rec) Room Basement & Finished Rooms Below GradeRelo Relocation Sale Sale or Financing ConcessionsREO REO Sale Sale or Financing ConcessionsRes Residential Location & ViewRH USDA - Rural Housing Sale or Financing Concessionss Settlement Date Date of Sale/TimeShort Short Sale Sale or Financing Concessionssf Square Feet Area, Site, Basementsqm Square Meters Area, SiteUnk Unknown Date of Sale/TimeVA Veterans Administration Sale or Financing Concessionsw Withdrawn Date Date of Sale/Timewo Walk Out Basement Basement & Finished Rooms Below Gradewu Walk Up Basement Basement & Finished Rooms Below GradeWtrFr Water Frontage LocationWtr Water View ViewWoods Woods View View

Other Appraiser-Defined Abbreviations

Abbreviation Full Name Fields Where This Abbreviation May Appear

UAD Version 9/2011

Form UADDEFINE — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODEForm UADDEFINE — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE


Abbreviations Used in Data Standardization Text

Abbreviation Full Name Fields Where This Abbreviation May Appearac Acres Area, SiteAdjPrk Adjacent to Park LocationAdjPwr Adjacent to Power Lines LocationA Adverse Location & ViewArmLth Arms Length Sale Sale or Financing Concessionsba Bathroom(s) Basement & Finished Rooms Below Gradebr Bedroom Basement & Finished Rooms Below GradeB Beneficial Location & ViewCash Cash Sale or Financing ConcessionsCtySky City View Skyline View ViewCtyStr City Street View ViewComm Commercial Influence Locationc Contracted Date Date of Sale/TimeConv Conventional Sale or Financing ConcessionsCrtOrd Court Ordered Sale Sale or Financing ConcessionsDOM Days On Market Data Sourcese Expiration Date Date of Sale/TimeEstate Estate Sale Sale or Financing ConcessionsFHA Federal Housing Authority Sale or Financing ConcessionsGlfCse Golf Course LocationGlfvw Golf Course View ViewInd Industrial Location & Viewin Interior Only Stairs Basement & Finished Rooms Below GradeLndfl Landfill LocationLtdSght Limited Sight ViewListing Listing Sale or Financing ConcessionsMtn Mountain View ViewN Neutral Location & ViewNonArm Non-Arms Length Sale Sale or Financing ConcessionsBsyRd Busy Road Locationo Other Basement & Finished Rooms Below GradePrk Park View ViewPstrl Pastoral View ViewPwrLn Power Lines ViewPubTrn Public Transportation Locationrr Recreational (Rec) Room Basement & Finished Rooms Below GradeRelo Relocation Sale Sale or Financing ConcessionsREO REO Sale Sale or Financing ConcessionsRes Residential Location & ViewRH USDA - Rural Housing Sale or Financing Concessionss Settlement Date Date of Sale/TimeShort Short Sale Sale or Financing Concessionssf Square Feet Area, Site, Basementsqm Square Meters Area, SiteUnk Unknown Date of Sale/TimeVA Veterans Administration Sale or Financing Concessionsw Withdrawn Date Date of Sale/Timewo Walk Out Basement Basement & Finished Rooms Below Gradewu Walk Up Basement Basement & Finished Rooms Below GradeWtrFr Water Frontage LocationWtr Water View ViewWoods Woods View View

Other Appraiser-Defined Abbreviations

Abbreviation Full Name Fields Where This Abbreviation May Appear

UAD Version 9/2011


MLS Year to Year Statistic

Form SCNLTR — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

MLS Year to Year Statistic



Plot Map


Plot Map



Vacant Land Sales


Vacant Land Sales



15'

3'12'

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Staircase


Form SKT.BldSkI — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

Building SketchTurner, Adam and Cardella1102 N 11th StCoeur D Alene Kootenai ID 83814Bayview Loan Servicing

Borrower/Client

Lender

15'

3'12'

29'

14'

3'5'

3'

21'21'

4'4'

5'14

'

5'

2.83'

3'

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16'28'

29'

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12'24'24

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12'

Sta

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seSta

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Sta

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se

Staircase

Staircase

Staircase



Borrower/Client

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Borrower/Client

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Borrower/Client

Lender




Form MAP.LOC — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

Location MapTurner, Adam and Cardella1102 N 11th StCoeur D Alene Kootenai ID 83814Bayview Loan Servicing

Borrower/Client

Lender



Borrower/Client

Lender




Form MAP.FLOOD — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

Flood MapTurner, Adam and Cardella1102 N 11th StCoeur D Alene Kootenai ID 83814Bayview Loan Servicing

Borrower/Client

Lender

Form MAP.FLOOD — "WinTOTAL" appraisal software by a la mode, inc. — 1-800-ALAMODE

Flood MapTurner, Adam and Cardella1102 N 11th StCoeur D Alene Kootenai ID 83814Bayview Loan Servicing

Borrower/Client

Lender






Borrower/Client

Lender



Borrower/Client

Lender



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