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LAND APPRAISAL REPORT <br /> Ale No.LN12151 <br /> • Borrower JACKSON,Spencer D. Census Tract 0219.00 Map Reference 3/4-8-07-30 <br /> Property Address Loihi Road(per Tax Map)also referred to as Mud L ne <br /> • City Kukulhaele County Hawaii State Hawaii TpCade 96727 <br /> 4 Legal Description Portion of Grant 932,Apana 2,to Kalama,Kukuihaele,Hamakua,Hawaii <br /> Sale Price$N/A Date of Sale N/A Loan Term N/A yrs. Property Rights Appraised X Fee Li Leasehold ❑De Minims PUD <br /> • Actual Real Estate Taxes S-0- (yr) Loan charges to be paid by seller$ N/A Otter sales concessions N/A <br /> Leuder/Cierd mincer D.Jackson Address 518 Byron Street,Palo Alto,Calefornia 94391 • <br /> Occupart Vacant Land Appraiser Robert K.Kurlansky,cGA,CRA Instructions to Appraiser Current Market Value <br /> Location LI Urban Suburban X Rural Good Avg. FE Poor <br /> Built Up El Over 75% LI 25%to 75% XJ Under 25% Employment Stabitly ❑ g ❑ ❑ <br /> . Growth Rate IT Fully Des. l_ Rapid Steady X Slow Convenience to Employment El Z II n <br /> Properly Values Li Increasing X Stable j Declining Convenience to Shopping ❑ Z I.Z ❑ <br /> Demand/Supply LI Shortage X In Balance .__I Oversupply Convenience m Schools L El ❑ ❑ <br /> marbling Time j'j]Under 3 Mas. X 4-6 Mos. ,_l Over 6 Mos. Adequacy of Public Transportation LI M [J ❑ <br /> Present Land Use 5%1 Family %2-4 Family _%Apts. _%Condo <1%Commercial Recreational Fealties () X Li L <br /> `o' %Industrial_ %Vacant 95% Agrlcufture/Vacant Adequacy of Utilities C XI LI ❑ <br /> o Change In Present Land Use .;Not UM X Ukely(•) I Taldng Place(') Property Compatibility ❑ M r I [] <br /> (•)From Vacant To Improved Protection from Detrimental Condtans Et Z I_ 0 <br /> I Predominant Occupancy X Owner ;Tenant <5 %Vacant Poke and Rre Protection ❑ Q9 ❑ ❑ <br /> — Single Family Price Range $ 60,000 to S.675,000 Predormnarrt Value$ 225,000 General Appearance of Properties ❑ X ( ❑ <br /> Single Family Age New yrs.to 60+ yrs. Predominant Age 40+yrs. Appeal to Market ® ® ❑ ❑ <br /> Comments Including those factors,favorable or untamable,affecting marketability(e.g.pudic parks,schools,view,noise): The subfect property Is situated In the <br /> Kukuihaele sector of the Hamakua distri which is rural in character. Prima land uses indude fermi • and ranchin..The area <br /> is some 8 miles W of Honokaa Town(neighborhood shopping&services,schools,police&fire stations,etc.),about 18 miles NW <br /> of Waimea(broader range of shopping,etc.)Land some 48 miles NW of Hilo,the capitol of Hawaii County. <br /> Dimensions Irregular(as per tax map) _ = 14,736 SF.Sq.Ft or Acres l I Comer Lot <br /> Zoning classification Agriculture,A-40a(40-acre minimum) Present Improvements k do El do not conform to toning regulations <br /> Highest and best use L_1 Present use t,OtheeSspeclly)Consolidation_with adlolninq parcel(3/4-8-07-32)owned by client <br /> . Pubic Other(Describe) , OFF SITE IM_PROVEMENTS Tope Gentle to steep slope/cliff Sec. X I keel Access _'Public X Private'Site Typical for the area <br /> Gas 'Surface Unpaved&paved !Shape Irregular <br /> , Water I ,Maintenance .Public X Private View Minimal owing to heavy overgrowth <br /> • San.Sewer i• ;; ; t Storm Sewer _Curb/Guaer Drainage Appears to be adequate/Flood Zone-X/CP#:OZQOC <br /> Underground Elect&Tel.! Sidewak t Street Lights In the property Witted In a HUD Identified Special Flood Hazard Area? X No L Yes <br /> Comneils(losable or unfavorable alluding any apparent adverse easements,encroachments,or other adverse conrhonsi: There are no apparent adverse easements <br /> _, or encroachments affecting the sublect site. <br /> -. SEE ADDENDUM FOR SPECIAL CONDITIONS/ASSUMPTIONS&ADDITIONAL SITE COMMENTS SECTIONS. <br /> :... The undersigned has recited three recent sales of properties mast similar and amino to subject and has considered these I the maket analysis.The description includes a dollar <br /> . adjustment reflecting market reaction to those hems of dgnlicard variation between the subject and comparable properties.If a dgniicant item in the comparable property Is superior <br /> to Of man Womble than the subject property,a minus I•)adjustment to made tiros reducing the Indicated value of subject It a etgnitcant item lA he comparable Is inferior to or less <br /> favorable than line subject property,a plus(+)adjustment Is made thus increasing the indicated value of the subject <br /> ITEM I SUBJECT PROPERTY COMPARABLE NO.1 COMPARABLE NO.2 COMPARABLE NO.3 <br /> Address Loihi Road <br /> TMK:4-8-07-30 <br /> P,.la, h Sub'ct 7;Y•`._s^l-' ..:F. <br /> :n Sales Price $ N/A '-t `°s.u ;r; s 4 rr r,; S ".g:. 'ir^;.:r, :d..$ <br /> Price @ SF $ N/A . .. 'Z,. .. f7 $ s e,i....;;i .w'; +' .ft 4 ziFnP.it <br /> F� Dale Source On-site Inspection <br /> z Date of Sale and DESCRIPTION DESCRIPTION 1+1-liAdust. DESCRIPTION I+f-ISAdust DESCRIPTION I+(-1$Adlust <br /> o Time Adjustment Current <br /> w Location Kukuihaele ,• <br /> T:, few 14 736 SF • <br /> CO-MP .c, l'i : , I, -11 T . <br /> Saks or financing Cash or Cash <br /> Cwtcessbns Equivalency • <br /> mauled Value 3 .r , < a E ,ti.s= °,77•'r i{ .` err. �G <br /> of Subject ...sti. _,, . :..r" .aNef.;%x % $ ..:' .Nef'?'.-*>,%,t..5 yNe .10$ <br /> Comments on Market Data SEE ADDENDUM. <br /> Comments and Conditions or Appraisal: AS stated in the following ADDENDUM. All sales reflect cash or cash equivalency transactions. Any <br /> seller-financed sales will be adjusted and discussed,if necessary. The Cost and Income Approaches were not employed,as they <br /> e are typically applicable to valuations of improved and/or Income produdng properties. As such,this Is considered to be a <br /> t Complete Appraisal-Summary Report. <br /> Rnal Recancilation: The Market Data(Sales Comparison)Analysis is deemed a reliable method of valuation,reflecting the actions of <br /> buyers and sellers within the marketplace. <br /> tt Assessed Value 2012 ; Land .5 300 , <br /> e esilmaru sue MARKET VALUE,as DEEDED,DP SUBJECT I; +:r''lJ7 . • September 28,2012 to be$ 3 100 <br /> CERTIFIED <br /> Robert K.Kurtansky,coA,cRA _ 7 Old Il Did Na Physically Inspect Property <br /> Appralser(s) at: j'..: ;;y:,, abi:, <br /> SKI der-Island Apr, at C (808j885.7742 <br /> FormlND—, Tr .r .ItNa, ,yala mode,inc.—1-E00-ALAMODE <br /> w <br /> Exhibit e� <br /> AIIV• <br />