DISCLAIMER: APPRAISALS ARE THE OPINION OF THE CERTIFIED APPRAISER, ON THE DATE SUCH APPRAISAL IS MADE, BASED UPON AVAILABLE INFORMATION AND REPRESENTATIONS OF THE OWNER OR RESPONSIBLE PARTY. MARKET FLUCTUATIONS, REGIONAL DIFFERENCES, OR NEWLY DISCOVERED INFORMATION MAY BE CAUSE FOR SUBSTANTIAL MODIFICATION OF THE ORIGINAL VALUATION, THUS,SUCH APPRAISALS SHALL NOT BE USED FOR ANY OTHER PURPOSE OR HELD TO CONSTITUTE ANY BINDING CONTRACT OR OBLIGATION UPON THE PART OF THE APPRAISER AND SUCH APPRAISER SHALL BE HELD HARMLESS FROM ERRORS OR OMMISSIONS AND INCURS NO LIABILITY FOR THE USE OR MISUSE OF INFORMATION PROVIDED IN THE APPRAISAL.COIN, JEWELRY AND SIMILAR SPECIALTY GENRES MAY BE APPRAISED WITH RESPECT TO VALUATION DETERMINATION ALTHOUGH SUCH APPRAISAL SHALL NOT CONSTITUTE AN IN DEPTH ANALYSIS OF SUCH JEWELRY, GEMSTONE OR PRECIOUS METAL AS SUCH JEWELRY OR OBJECT WOULD PRESUMED TO BE ANALYSED WITH LABORATORY GRADE MATERIAL TESTING EQUIPMENT UPON EXAMINATION BY SPECIALISTS IN SUCH GENRE. TECHNICAL REPORTS AND APPRAISAL INFORMATION FROM SUCH SPECIALISTS MAY BE INCORPORATED INTO THE APPRAISAL REPORT AND AS SUCH THE APPRAISER INCURS NO LIABILITY RELATIVE TO THE WORK OF THE SUBJECT MATTER EXPERT. CONTRACTING WITH TOP HAT APPRAISALS FOR CERTIFIED APPRAISAL SERVICES OF PERSONAL PROPERTY IS ACCEPTANCE OF THE LIABILITY EXCLUSIONS AS NOTED HEREIN.