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SATISFYING YOUR APPRAISAL NEEDS

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       <h3>


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<B><FONT size=4><FONT color=#ffffff><B><SPAN style="FONT-SIZE: 13.5pt; FONT-FAMILY: 'Arial','sans-serif'">
<P style="TEXT-ALIGN: center; mso-outline-level: 4" align=center><FONT color=#000000><B><SPAN style="FONT-SIZE: 13.5pt; FONT-FAMILY: 'Arial','sans-serif'">NOW COVERING</SPAN></B><B><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'"><?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></SPAN></B></FONT></P>
<P style="TEXT-ALIGN: center; mso-outline-level: 4" align=center><B><SPAN style="FONT-SIZE: 13.5pt; FONT-FAMILY: 'Arial','sans-serif'"><FONT color=#000000>FORSYTH, DAVIE, DAVIDSON, GUILFORD, <o:p></o:p></FONT></SPAN></B></P>
<P style="TEXT-ALIGN: center; mso-outline-level: 4" align=center><FONT color=#000000><B><SPAN style="FONT-SIZE: 13.5pt; FONT-FAMILY: 'Arial','sans-serif'">STOKES AND YADKIN COUNTYS</SPAN></B></FONT></P>
<P style="TEXT-ALIGN: center; mso-outline-level: 4" align=center><FONT color=#000000><B><SPAN style="FONT-SIZE: 13.5pt; FONT-FAMILY: 'Arial','sans-serif'"></SPAN></B></FONT>&nbsp;</P>
<P style="TEXT-ALIGN: center; mso-outline-level: 4" align=center><FONT color=#000000><B><SPAN style="FONT-SIZE: 13.5pt; FONT-FAMILY: 'Arial','sans-serif'"></SPAN></B><B><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'"><o:p>&nbsp; </P>
<P align=center><B><FONT size=4>We are proud to announce our latest quality rating from a national vendor.</FONT> </B></P>
<P align=center><B><FONT size=3>This rating is based on overall performance including: report accuracy, content, delivery time and the entire overall review process and order process.</FONT></B></P>
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<P align=center><B><FONT size=5>Composite Performance Rating:</FONT></B></P></TD>
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<P align=center><B><FONT size=5>1.12</FONT></B></P></TD></TR></TBODY></TABLE></P>
<P align=center><B><FONT size=4>This is a full appraisal production composite rating based on categories utilized to quantify appraiser performance on a scale of 1 to 5 with 1 being Excellent and 5 being Unacceptable. This rating is based on a combination of a number of criteria with internal quality control review results, on time percentage and underwriting suspense percentage given the greatest weight.</FONT></B></P></o:p></SPAN></B></FONT>
<P style="mso-outline-level: 4"><B><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'"><FONT color=#000000>&nbsp;<o:p></o:p></FONT></SPAN></B></P>
<P style="mso-outline-level: 4"><B><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'"><FONT color=#000000>De Graff Associates, Winston Salem Forsyth County North Carolina Residential Real Estate Appraisal Company formed to be a premier provider of <STRONG><SPAN style="FONT-FAMILY: 'Arial','sans-serif'">real estate valuation services</SPAN></STRONG>. <o:p></o:p></FONT></SPAN></B></P>
<P style="mso-outline-level: 4"><B><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'"><FONT color=#000000>Our proven ability to provide <STRONG><SPAN style="FONT-FAMILY: 'Arial','sans-serif'">quality appraisals</SPAN></STRONG> with fair values in a timely manner results in a cost-effective vehicle for customers to reduce overhead and to shift the burden of risk and compliance. <o:p></o:p></FONT></SPAN></B></P>
<P style="mso-outline-level: 4"><B><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'"><FONT color=#000000>Owner-Operator, John A De Graff is a <STRONG><SPAN style="FONT-FAMILY: 'Arial','sans-serif'">Certified State Appraiser&nbsp;in North Carolina, New Jersey, Pennsylvania and Maryland</SPAN></STRONG>.<o:p></o:p></FONT></SPAN></B></P>
<P style="mso-outline-level: 4"><FONT color=#000000><STRONG><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'">FHA Approved</SPAN></STRONG><B><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'"> in North Carolina and New Jersey.<o:p></o:p></SPAN></B></FONT></P>
<P style="mso-outline-level: 4"><B><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'"><FONT color=#000000>Mr. De Graff is a highly experienced <STRONG><SPAN style="FONT-FAMILY: 'Arial','sans-serif'">Appraiser</SPAN></STRONG> and has experience&nbsp;in appraising: single family homes up to 3 million+ dollars, homes ranging in age from the late 1700s to new construction, small income residential, multi-family as well as both incoming and outgoing relocation valuation and consulting, REO property, FHA, tax appeal and complex properties as well as appraisal review work. <BR>With a combined experience in the Real Estate Industry as both a Real Estate Broker and Appraiser for a total of over 20+- years.<o:p></o:p></FONT></SPAN></B></P>
<P style="TEXT-ALIGN: center; mso-outline-level: 4" align=center><B><SPAN style="FONT-SIZE: 10pt; LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-font-family: Calibri; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-theme-font: minor-latin"><FONT color=#000000>At <STRONG><SPAN style="FONT-FAMILY: 'Arial','sans-serif'">De Graff Associates</SPAN></STRONG> only <STRONG><SPAN style="FONT-FAMILY: 'Arial','sans-serif'">State Certified Appraisers</SPAN></STRONG> will be used to do your <STRONG><SPAN style="FONT-FAMILY: 'Arial','sans-serif'">appraisal</SPAN></STRONG>. We are <STRONG><SPAN style="FONT-FAMILY: 'Arial','sans-serif'">FHA</SPAN></STRONG> Approved and cover the full array of appraisals including FHA, Conventional, Drive-by, Multi-family as well as REO and Relocation.</FONT></SPAN></B></SPAN></B></FONT></P>
<P align=center></FONT></B><SPAN style="FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA; mso-bidi-font-family: 'Times New Roman'"><SPAN style="FONT-SIZE: 10pt; COLOR: black; FONT-FAMILY: Arial; mso-fareast-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA; mso-bidi-font-family: 'Times New Roman'"></SPAN></P></SPAN>
<META content=appraisal,real,estate,appraisals,residential,homes,new,family,carolina,property,compliance,north,graff,multi,report name=keywords>

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Certified Appraisers

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<H2>&nbsp;</H2><FONT size=3>
<P><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'"><FONT color=#000000><FONT size=3>We are dedicated to our clients. We use only <B>Certified Appraisers</B> and keep our prices very competitive. We offer report delivery in all typical formats including email (EDI capable), web based delivery, hard copy delivery and Adobe PDF delivery formats. Orders may be faxed or emailed to the office.</FONT> <?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></FONT></SPAN></P>
<P><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'"><FONT color=#000000>&nbsp;<o:p></o:p></FONT></SPAN></P>
<P style="TEXT-ALIGN: center" align=center><STRONG><U><SPAN style="FONT-SIZE: 13.5pt; FONT-FAMILY: 'Arial','sans-serif'"><FONT color=#000000>A comprehensive <o:p></o:p></FONT></SPAN></U></STRONG></P>
<P style="TEXT-ALIGN: center" align=center><STRONG><U><SPAN style="FONT-SIZE: 13.5pt; FONT-FAMILY: 'Arial','sans-serif'"><FONT color=#000000>75 point appraisal compliance <o:p></o:p></FONT></SPAN></U></STRONG></P>
<P style="TEXT-ALIGN: center" align=center><FONT color=#000000><STRONG><U><SPAN style="FONT-SIZE: 13.5pt; FONT-FAMILY: 'Arial','sans-serif'">check list is utilized </SPAN></U></STRONG><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'"><o:p></o:p></SPAN></FONT></P>
<P style="TEXT-ALIGN: center" align=center><STRONG><U><SPAN style="FONT-SIZE: 13.5pt; FONT-FAMILY: 'Arial','sans-serif'"><FONT color=#000000>against every appraisal <o:p></o:p></FONT></SPAN></U></STRONG></P>
<P style="TEXT-ALIGN: center" align=center><FONT color=#000000><STRONG><U><SPAN style="FONT-SIZE: 13.5pt; FONT-FAMILY: 'Arial','sans-serif'">prior to you receiving the report.</SPAN></U></STRONG><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'"><o:p></o:p></SPAN></FONT></P>
<P></FONT><STRONG><U><FONT size=4></FONT></U></STRONG></P>

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Appraisal Turn Around Times

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<FONT color=#000000>&nbsp; </FONT>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt"><SPAN style="FONT-SIZE: 10pt; LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'"><FONT color=#000000>Appointments are scheduled in 24-48 hours with report turnaround in 1-2 days after the appointment depending on the complexity of the report. <?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></FONT></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt"><SPAN style="FONT-SIZE: 10pt; LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'"><FONT color=#000000>Rush orders are also available. <o:p></o:p></FONT></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt"><SPAN style="FONT-SIZE: 10pt; LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'"><FONT color=#000000><FONT color=#000000>We only adhere and perform to the highest of ethical standards. The safety and soundness of <B>real estate investments</B> depends on an adequate risk analysis. An essential part of this analysis is an <B>accurate, timely and objective appraisal of the real property</B>.</FONT> </FONT></SPAN><SPAN style="FONT-FAMILY: 'Arial','sans-serif'"><o:p></o:p></SPAN></P>
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    <p><h2>


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Comprehensive Appraisal Products

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<H2 style="MARGIN: auto 0in"><FONT color=#ffffff><SPAN style="FONT-SIZE: 13.5pt; FONT-FAMILY: 'Arial','sans-serif'"></SPAN></FONT></H2><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'"><FONT color=#ffffff>
<P><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'"><FONT size=3><FONT color=#000000>Included in our service is the traditional product line of URAR (1004), Exterior Drive-by (2055), Condo and Income property. We also offer desk top and field reviews.<?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></FONT></FONT></SPAN></P>
<P style="TEXT-ALIGN: center" align=center><B style="mso-bidi-font-weight: normal"><U><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'"><FONT color=#000000>Appraisals can be ordered by calling the office, faxing the office at 336-793-8251<o:p></o:p></FONT></SPAN></U></B></P>
<P style="TEXT-ALIGN: center" align=center><B style="mso-bidi-font-weight: normal"><U><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'"><FONT color=#000000><SPAN style="mso-spacerun: yes">&nbsp;</SPAN>or by using the convenient order form from this website.<o:p></o:p></FONT></SPAN></U></B></P>
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<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: normal; TEXT-ALIGN: center" align=center><SPAN style="FONT-SIZE: 14pt; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-font-family: 'Times New Roman'"><STRONG><FONT color=#000000><FONT size=4>You gain a significant benefit by having De Graff Associates <?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></FONT></FONT></STRONG></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: normal; TEXT-ALIGN: center" align=center><SPAN><FONT color=#000000><STRONG><FONT size=4>handle your appraisal needs.</FONT></STRONG> <o:p></o:p></FONT></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: normal"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-font-family: 'Times New Roman'"><o:p><FONT color=#000000>&nbsp;</FONT></o:p></SPAN></P>
<DIV class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: normal; TEXT-ALIGN: center" align=center><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-font-family: 'Times New Roman'"><FONT color=#000000>
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<P class=MsoNormal style="MARGIN: 0in 0in 10pt; LINE-HEIGHT: normal; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto"><SPAN><STRONG><FONT color=#000000><FONT size=3>Your Satisfaction Is Always Our Goal<o:p></o:p></FONT></FONT></STRONG></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: normal"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-font-family: 'Times New Roman'"><o:p><STRONG><FONT color=#000000 size=4>&nbsp;</FONT></STRONG></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: normal"><SPAN><STRONG><FONT color=#000000><FONT size=3>Courtesy, Consideration and Compassion is something you will always find at De Graff Associates. <o:p></o:p></FONT></FONT></STRONG></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: normal"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-font-family: 'Times New Roman'"><o:p><FONT color=#000000 size=3>&nbsp;</FONT></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: normal"><FONT color=#000000><FONT size=3><SPAN><STRONG>Flexible Appointment Scheduling Service - </STRONG></SPAN><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-font-family: 'Times New Roman'">Saturday, Sunday, early morning or afternoon appointments available. <SPAN style="mso-spacerun: yes">&nbsp;</SPAN><o:p></o:p></SPAN></FONT></FONT></P>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: normal"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-font-family: 'Times New Roman'"><o:p><STRONG><FONT color=#000000 size=3>&nbsp;</FONT></STRONG></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: normal"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-font-family: 'Times New Roman'"><o:p><FONT color=#000000 size=3></FONT></o:p></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt; LINE-HEIGHT: normal"><SPAN><STRONG><FONT color=#000000><FONT size=3>Friendly Service <SPAN style="mso-spacerun: yes">&nbsp;</SPAN><o:p></o:p></FONT></FONT></STRONG></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt; LINE-HEIGHT: normal; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto"><SPAN><FONT color=#000000><FONT size=3><STRONG>Reasonable Fees </STRONG>staff is kept to a minimum – We are computerized allowing us to pass these savings on. <o:p></o:p></FONT></FONT></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt; LINE-HEIGHT: normal; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto"><SPAN><FONT color=#000000><FONT size=3><STRONG>Report Formats</STRONG> for every type of property so don't have to pay for more than you really need. <o:p></o:p></FONT></FONT></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt; LINE-HEIGHT: normal; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-size: 11.0pt"><STRONG><FONT color=#000000><FONT size=3>Fast Turn Around<o:p></o:p></FONT></FONT></STRONG></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt; LINE-HEIGHT: normal; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-size: 11.0pt"><STRONG><FONT color=#000000><FONT size=3>We Keep Our Promises As To When We Will Deliver Our Reports.<o:p></o:p></FONT></FONT></STRONG></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt; LINE-HEIGHT: normal; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto"><SPAN><FONT color=#000000><FONT size=3><STRONG>Accurate, Reliable, Clearly Written Reports </STRONG>- Years of appraisal experience. <o:p></o:p></FONT></FONT></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt; LINE-HEIGHT: normal; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto"><SPAN><FONT color=#000000><FONT size=3><STRONG>All Types Of Real Property Appraised </STRONG>- single family; multi family; farms, ranches, condominiums.<o:p></o:p></FONT></FONT></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt; LINE-HEIGHT: normal; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto"><SPAN><FONT color=#000000><FONT size=3><STRONG>We Offer Appraisal For All Situations</STRONG>:<o:p></o:p></FONT></FONT></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt; LINE-HEIGHT: normal; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-size: 11.0pt"><STRONG><FONT color=#000000><FONT size=3>Cancellation of PMI -why pay a higher payment than you need to.<o:p></o:p></FONT></FONT></STRONG></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt; LINE-HEIGHT: normal; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-size: 11.0pt"><STRONG><FONT color=#000000><FONT size=3>Estate – know the property is worth or figure the taxes you may need to pay<o:p></o:p></FONT></FONT></STRONG></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt; LINE-HEIGHT: normal; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-size: 11.0pt"><STRONG><FONT color=#000000><FONT size=3>Matrimonial – a stressful time handled for gently to establish values<o:p></o:p></FONT></FONT></STRONG></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt; LINE-HEIGHT: normal; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-size: 11.0pt"><STRONG><FONT color=#000000><FONT size=3>First Mortgage – when purchasing a home<o:p></o:p></FONT></FONT></STRONG></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt; LINE-HEIGHT: normal; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-size: 11.0pt"><STRONG><FONT color=#000000><FONT size=3>Second Mortgage – when needing to pay off debt just obtain money<o:p></o:p></FONT></FONT></STRONG></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt; LINE-HEIGHT: normal; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-size: 11.0pt"><STRONG><FONT color=#000000><FONT size=3>Refinance – looking to lower your rate, combine mortgages or take out cash<o:p></o:p></FONT></FONT></STRONG></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt; LINE-HEIGHT: normal; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-size: 11.0pt"><STRONG><FONT color=#000000><FONT size=3>Tax Appeal- if you are looking at lowering the taxes you pay<o:p></o:p></FONT></FONT></STRONG></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt; LINE-HEIGHT: normal; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-size: 11.0pt"><STRONG><FONT color=#000000><FONT size=3>Fair Market Value – before selling or buying a home<o:p></o:p></FONT></FONT></STRONG></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt; LINE-HEIGHT: normal; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-size: 11.0pt"><STRONG><FONT color=#000000><FONT size=3>Fair Rental Value – before renting a home<o:p></o:p></FONT></FONT></STRONG></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt; LINE-HEIGHT: normal; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-size: 11.0pt"><STRONG><FONT color=#000000><FONT size=3>Landlords – looking to know what the rental values are worth<o:p></o:p></FONT></FONT></STRONG></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt; LINE-HEIGHT: normal; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-size: 11.0pt"><STRONG><FONT color=#000000><FONT size=3>Sellers – looking to establish a true market value before selling<o:p></o:p></FONT></FONT></STRONG></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt; LINE-HEIGHT: normal; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-size: 11.0pt"><STRONG><FONT color=#000000><FONT size=3>Buyers – looking for insight before putting and offer to purchase together<o:p></o:p></FONT></FONT></STRONG></SPAN></P>
<P class=MsoNormal style="MARGIN: 0in 0in 10pt 0.5in; LINE-HEIGHT: normal; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto"><SPAN style="FONT-SIZE: 10pt; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-font-family: 'Times New Roman'"><o:p><FONT color=#000000>&nbsp;</FONT></o:p></SPAN></P>
<P align=center></FONT><SPAN style="FONT-SIZE: 10pt; COLOR: #666666; LINE-HEIGHT: 115%; FONT-FAMILY: 'Arial','sans-serif'; mso-fareast-font-family: Calibri; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-theme-font: minor-latin"><FONT color=#999999 size=1>degraffassociates Forsyth Carolina appraisal home value sale Winston&nbsp;Salem appraiser real estate appraisals realtor value real estate north Carolina appraising&nbsp; certified appraiser&nbsp;bank relocation Forsyth county residential Professional Appraisers Coalition, license directory&nbsp;agent title closing bank appraiser fha conventional subprime mortgage adjustable reviewer assessor review appraiser condemnation market value courts foreclosures eminent bankruptcy valuation appraisers mortgage home loan appraiser real estate appraiser directory market value home value valuation property value residential commercial lenders appraisers loan value appraisers USPAP real property valuation house property &nbsp;real-estate &nbsp;appraising valuation appraisals &nbsp;AppraiserUSA.com real estate appraiser home appraisals property appraisal &nbsp;property appraiser appraisal services appraiser directories broke certified appraiser house appraisal home appraisal FEMA flood map investment FSBO AVM home inspection home inspector for sale by owner property assessment &nbsp;fha &nbsp;hud &nbsp;reo &nbsp;relocation buyer seller agent tax appeal matrimonial bail bond lender landlord buyer seller</FONT></SPAN></P>

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