Whipple Appraisal 5255 Owera Point Cazenovia, NY NYS Certified Residential Real Estate Appraiser # (09/91)

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Mark Whipple Whipple Appraisal 5255 Owera Point Cazenovia, NY 13035 mark@whippleappraisal.com LICENSES & CERTIFICATION NYS Certified Residential Real Estate Appraiser #45000012549 (09/91) PROFESSIONAL AFFILIATION Member New York State Association of Realtors Member Greater Syracuse Association of Realtors Member Oswego County Board of Realtors Affiliate Member of the Appraisal Institute (3/92) PROFESSIONAL EXPERIENCE (2017-present) Whipple Appraisal Experience includes the inspection, analysis and preparation of single-family residential property appraisals, multi-family income property appraisals and vacant land appraisals. Appraisals prepared for Mortgage Lenders, Relocation Companies, Attorneys (estate & divorce purposes), Appraisal Review Services and private individuals. Appraisals include the valuation of a wide range of properties from REO properties to high-end, historic homes, new construction, "green" residences and waterfront properties. (4/90-2017) Copeland & Copeland, Inc. (Independent Appraiser/Consultant) Experience includes the inspection, analysis and preparation of single-family residential property appraisals, multi-family income property appraisals and vacant land appraisals. Appraisals prepared for Mortgage Lenders, Relocation Companies, Attorneys (estate & divorce purposes), Appraisal Review Services and private individuals. Appraisals include

the valuation of a wide range of properties from REO properties to high-end, historic homes, new construction, "green" residences and waterfront properties. The appraiser has also provided testimony as an expert witness for the NYS Attorney Generals Office. (2/86-4/90) Pomeroy Appraisal Associates, Inc. Experience includes the inspection, analysis and preparation of single-family residential property appraisals, multi-family income property appraisals and vacant land appraisals. Appraisals prepared for Mortgage Lenders, Relocation Companies, Attorneys (estate & divorce purposes), Appraisal Review Services and private individuals. Residential appraisals include the valuation of a wide range of properties from REO properties to high-end, historic homes, "green" residences, new construction and waterfront properties. Commercial appraisals include industrial and condemnation appraisal reports. EDUCATION Graduated with honors from St. Lawrence University, Canton, NY - (B.S. Degree - Physical Education - 1981) - Magna Cum Laude Graduate - Member Phi Beta Kappa National Honor Society - "Freddy-Mac/Fannie Mae" Seminar (5/86) American Institute of Real Estate Appraisers - Course 1A-1 "Real Estate Appraisal Principles" (3/87) - Exam 1A-1/8-1 "Real Estate Appraisal Principles" (3/87) - Residential Valuation Course (9/87) - Residential Valuation Exam 8-2 (9/87) - Course & Exam "Standards of Professional Practice" (2/88) Residential Demonstration Appraisal Report Writing Seminar (9/89) 2

New York State Certification Review Seminar (7/91) Roanoke Schools of Syracuse, Inc. - R-3 Applied Residential Property Valuation (9/92) - Standards of Professional Practice Part "A" (9/93) - Standards of Professional Practice Part "B" (9/93) - Appraiser's Guide to the URAR (1/94) - Understanding "Limited" Appraisals & Reporting Options (1/95) - Feasibility Analysis Highest & Best Use-Residential Properties (6/95) - Residential Property Construction & Inspection (10/95) - Electronic Data Exchange (10/96) - Video Conference "Tomorrows Appraiser" (10/96) - Alternative Residential Reporting Forms (1/97) - Recognizing Architectural Styles & Influences (4/97) - The Uniform Standards of Appraisal Practice (USPAP) Update (1/98) - The High Tech Appraisal Office (1/98) - The Proper Application of the Marshall & Swift Residential Cost Manual (4/98) - Standards of Professional Practice Part "A" (5/98) - Standards of Professional Practice Part "B" (5/98) - 1999 Changes to the Uniform Standards of Professional Appraisal Practice (4/99) - The FHA and the Appraisal Process (11/99) Manfred Real Estate Learning Center, Inc. - Home Inspection: Defects & Remediation (4/00) - Home Construction (5/00) - 48th Annual Fall Appraisal Conference (10/00) - 49th Annual Fall Appraisal Conference (10/01) - Appraising Historic Homes (10/01) 3

- Real Estate Fraud & The Appraiser's Role (3/01) - 50th Annual Fall Appraisal Conference (10/02) - 51st Annual Fall Appraisal Conference, "Properly Inspecting a Property for Valuation Purposes" (10/03) - National Uniform Standards of Professional Appraisal Practice Update (10/03) - National Uniform Standards of Professional Appraisal Practice Update (4/04) - Appraising the Secondary Market: "Getting along with Fannie & Freddie" (4/04) - Residential Construction (4/04) - Does My Report Comply with USPAP (4/04) Greater Syracuse Association of Realtors - Mandatory Ethics and Local Association Training (1/05) - 53rd Annual Fall Appraisal Conference (11/05) - Case Studies in the Valuation of Upstate NY Real Estate (6/06) - National Uniform Standards of Professional Appraisal Practice Update (9/06) - Appraising REO & Foreclosure Properties (9/06) - Environmental Pollution & Mold (10/06) - National Uniform Standards of Professional Appraisal Practice Update (5/08) - Case Studies in the Valuation of Upstate NY Real Estate (5/08) - Construction Details & Trends (6/08) - Made In America: Appraising Factory Built Housing (6/08) : - National Uniform Standards of Professional Appraisal Practice Update (10/09) 4

- Current Appraisal Issues (10/09) - Case Studies in the Valuation of Upstate NY Real Estate (6/10) - HVCC and the Future of Appraising: Taking Back our Profession (9/10) - REO & Short Sale Appraisal Guidelines (9/10) - Introduction to Legal Descriptions (10/10) - Understanding the Uniform Appraisal Dataset (5/11) - The Changing World of FHA Appraising (5/11) - Case Studies in the Valuation of Upstate NY Real Estate (6/11) - National Uniform Standards of Professional Appraisal Practice Update (10/11) Greater Syracuse Association of Realtors - Mandatory Ethics and Local Association Training (8/12) - National Uniform Standards of Professional Appraisal Practice Update (11/12) - Bullet Proof Your Appraisal Report (11/12) - Appraising Green Residences (11/13) - Case Studies in the Valuation of Upstate NY Real Estate (6/14) - Mold, Pollution and the Appraiser (9/14) - Case Studies in the Valuation of Upstate NY Real Estate (6/15) - National Uniform Standards of Professional Appraisal Practice Update (11/15) - So You Think You Can Support Your Adjustment (11/15) 5

- Understanding Residential Construction (10/16) Greater Syracuse Association of Realtors - The National Association of Realtors Code of Ethics Training (12/16) - National Uniform Standards of Professional Appraisal Practice Update (10/16) - Toxic Pollution Concerns and Real Estate Appraisals (10/16) - The Facts About Wet Basements (10/16) - Appraiser's Guide to Covering Your Appraisals (11/17) The Professional Career Center, Inc., Syracuse, NY - Supervisory Appraiser/Trainee Appraiser (11/17) 6