APPRAISER RESUME 09/ / / /1987. Clearfield-Jefferson Association of REALTORS, Instructor Radon and the Real Estate Transaction

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1 File No. Resume Page #1 APPRAISER RESUME PERSONAL DATA Name: Jeffrey T Luzier Company Name: Luzier Quality Services Address: 321 E Walnut St Phone Number: Fax Number: Certifications: PA Certified Residential Appraiser, RL L PA Real Estate Salesperson, RS L, in escrow PROFESSIONAL MEMBERSHIPS Clearfield County Appraisers Group, Founder Clearfield Stoneworkers Federal Credit Union, Supervisory Committee Chairman, 1998-Present EDUCATION Name of Institution (HS, College, University, etc.) Dates Attended Type of Degree or Certificate Bucknell University Clearfield Area High School 09/ / / /1987 Bachelor of Arts, Economics Diploma, Advanced College Prep Professional/Technical Courses (Appraisal Related) Date Completed Sponsoring Organization Paperless Office Techniques 04/27/2003 National Association of Independent Fee Appraisers Formfilling Essentials 04/26/2003 National Association of Independent Fee Appraisers USPAP 2003 Update/PA Law Update 03/26/2003 Appraiser Liability 03/25/2003 Appraising the Oddball 03/20/2003 Does My Report Comply with USPAP? 03/19/2003 Vacant Land Appraisal 05/09/2001 Technology and the Modern Appraiser 06/04/2000 a la mode, inc Narrative Appraisal Report Writing 11/02/1998 Polley Associates Seminars, Conferences, Clinics Attended Date Completed Sponsoring Organization Apex Beta Seminar 1 04/25/2003 Apex Software Residential Building Damage Estimating 09/02/1994 Vale National Training Center Measuring Square Footage of Single Family Dwellings 12/12/2000 Clearfield-Jefferson Association of REALTORS, Instructor Radon and the Real Estate Transaction 11/02/2000 MEHRC Contemporary Legal Issues 04/06/2000 Pennsylvania REALTORS Institute Ethics in Real Estate 04/25/1997 Myra Gress School for Career Development EMPLOYMENT HISTORY Employer's Name and Address Business Title Dates of Employment % of Time Dedicated to Appraising Luzier Quality Services 321 E Walnut St, Burleigh Real Estate 116 E Locust St, E L Braid Claim Service, Inc 106 N Second St, EXPERIENCE SUMMARY Certified Appraiser Certified Appraiser Assistant Appraiser Insurance Adjuster 04/27/1999 to Present 07/01/1996 to 12/31/ /01/1993 to 06/30/1996 Over the past two years, I have completed approximately 550 residential appraisal report assignments, the majority of which were for mortgage financing for lenders. However, I also provide appraisal reports for estate and divorce settlement for attorneys, as well as a few reports for individuals for general information. Also, I have performed some field reviews of appraisal reports of other appraisers. 100% 100% 25% While my primary focus is appraising single-family residences, I also appraise vacant land, 2-4 Family Dwellings and manufactured housing. I also have extensive experience in completing appraisals for proposed improvements construction and construction inspections. I am committed to utilizing the latest technology to provide quality valuation services in the most expedient and professional manner. APPRAISAL COVERAGE AREAS Clearfield County, PA Centre County, PA (Philipsburg School District only) Jefferson County, PA (Secondary area; additional charges apply) REFERENCES Linda Starr, Assistant Vice President Clearfield Bank & Trust MARKET AND COST DATA SOURCES Market data sources include Courthouse records, CJAR MLS, Centre MLS, real estate agents and personal inspections. Cost data sources are Marshall & Swift and local contractors. Other data sources include the Internet, government agencies and more. Brenda Thompson, Mortgage Specialist Jersey Shore State Bank 1935 Daisy St 1952 Waddle Rd Suite 106 State College, PA Kevin Jordan, President Bob Tice, Loan Originator Jordan Mortgage Services Deerfield Financial Group 113 E Locust St 1315 W College Ave Suite 203 State College, PA Carl Gathagan, Loan Originator Peter F Smith The Priority Mortgage Group Attorney 26 S 2nd St 30 S Second St The foregoing is true and correct to the best of my knowledge and belief and may be investigated through any of the sources shown hereon or elsewhere as warranted. SIGNATURE OF APPRAISER: DATE: 06/30/2003 Form APR "TOTAL for Windows" appraisal software by a la mode, inc ALAMODE

2 Appraiser's License File No. Resume Page #2 Borrower/Client Property Address City Lender County State Zip Code Form MAP.Generic "TOTAL for Windows" appraisal software by a la mode, inc ALAMODE

3 E&O Insurance File No. Resume Page #3 Borrower/Client Property Address City Lender County State Zip Code Form MAP.Generic "TOTAL for Windows" appraisal software by a la mode, inc ALAMODE

4 Luzier Quality Services Fee Schedule 2003 Product 1004 Full/URAR 2-4 Family Desk Review Fannie 2055 Drive By Fannie 2055 Full Fannie 2065 Drive By Fannie 2065 Full Fannie 2075 Field Review Freddie 2055 Drive By Freddie 2055 Drive By With Comp Photos Freddie 2055 Full Freddie 2070 Drive By Freddie 2070 Full Land Mobile Home Satisfactory Completion Certificate Fee $550 $150 $175 $75

5 Coverage Area by City Allport Mineral Springs Secondary Coverage Area Beccaria Morann Bellefonte Bigler Morrisdale De Lancey Brisbin Moshannon Fallentimber Cherry Tree Munson Fleming Clearfield New Millport Flinton Coalport Olanta Glasgow Curwensville Osceola Mills Julian Drifting Penfield Port Matilda Frenchville Philipsburg Rochester Mills Ginter Pottersdale Wingate Glenhope Ramey Grampian Rockton Jefferson County Grassflat Sandy Ridge case by case Hawk Run Shawville Hyde Smithmill Irvona Smoke Run Karthaus Snow Shoe Kylertown Wallaceton LaJose West Decatur Lanse Westover Lecontes Mills Winburne Madera Woodland Mahaffey Coverage Area by Zip Code Cherry Tree Drifting Secondary Coverage Area LaJose Frenchville De Lancey Mahaffey Grampian Rochester Mills Penfield Grassflat Fallentimber Rockton Hawk Run Flinton Beccaria Karthaus Glasgow Brisbin Kylertown Bellefonte Coalport Lanse Fleming Glenhope Lecontes Mills Julian Ginter Mineral Springs Port Matilda Hyde Morrisdale Wingate Irvona Moshannon Madera Munson Morann New Millport Osceola Mills Olanta Ramey Philipsburg Sandy Ridge Pottersdale Smithmill Shawville Smoke Run Snow Shoe Westover Wallaceton Allport West Decatur Bigler Winburne Clearfield Woodland Curwensville Luzier Quality Services E Walnut St,

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