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: 814.768.4636 Fax Number: 877.681.4239 Certifications: PA Certified Residential Appraiser, RL-003370-L PA Real Estate Salesperson, RS-179916-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 09/1987-05/1991 09/1983-06/1987 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 12/31/2001 10/01/1993 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 16803 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 16801 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. 1-800-ALAMODE
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. 1-800-ALAMODE
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. 1-800-ALAMODE
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
Coverage Area by City Allport 16821 Mineral Springs 16855 Secondary Coverage Area Beccaria 16616 Morann 16663 Bellefonte 16823 Bigler 16825 Morrisdale 16858 De Lancey 15733 Brisbin 16620 Moshannon 16859 Fallentimber 16639 Cherry Tree 15724 Munson 16860 Fleming 16835 Clearfield 16830 New Millport 16861 Flinton 16640 Coalport 16627 Olanta 16863 Glasgow 16644 Curwensville 16833 Osceola Mills 16666 Julian 16844 Drifting 16834 Penfield 15849 Port Matilda 16870 Frenchville 16836 Philipsburg 16866 Rochester Mills 15771 Ginter 16651 Pottersdale 16871 Wingate 16880 Glenhope 16645 Ramey 16671 Grampian 16838 Rockton 15856 Jefferson County Grassflat 16839 Sandy Ridge 16677 case by case Hawk Run 16840 Shawville 16873 Hyde 16651 Smithmill 16680 Irvona 16656 Smoke Run 16681 Karthaus 16845 Snow Shoe 16874 Kylertown 16847 Wallaceton 16876 LaJose 15753 West Decatur 16878 Lanse 16849 Westover 16692 Lecontes Mills 16850 Winburne 16879 Madera 16661 Woodland 16881 Mahaffey 15757 Coverage Area by Zip Code 15724 Cherry Tree 16834 Drifting Secondary Coverage Area 15753 LaJose 16836 Frenchville 15733 De Lancey 15757 Mahaffey 16838 Grampian 15771 Rochester Mills 15849 Penfield 16839 Grassflat 16639 Fallentimber 15856 Rockton 16840 Hawk Run 16640 Flinton 16616 Beccaria 16845 Karthaus 16644 Glasgow 16620 Brisbin 16847 Kylertown 16823 Bellefonte 16627 Coalport 16849 Lanse 16835 Fleming 16645 Glenhope 16850 Lecontes Mills 16844 Julian 16651 Ginter 16855 Mineral Springs 16870 Port Matilda 16651 Hyde 16858 Morrisdale 16880 Wingate 16656 Irvona 16859 Moshannon 16661 Madera 16860 Munson 16663 Morann 16861 New Millport 16666 Osceola Mills 16863 Olanta 16671 Ramey 16866 Philipsburg 16677 Sandy Ridge 16871 Pottersdale 16680 Smithmill 16873 Shawville 16681 Smoke Run 16874 Snow Shoe 16692 Westover 16876 Wallaceton 16821 Allport 16878 West Decatur 16825 Bigler 16879 Winburne 16830 Clearfield 16881 Woodland 16833 Curwensville Luzier Quality Services - 321 E Walnut St, - 814.768.4636 - www.centralpaappraisals.com