Section 29
Certifications and Scope of Work
Appendix B-1, page 385
The Certifications and Scope of Work sections always display on the PDF. They will not be delivered in the XML unless there is a datapoint that provides space for commentary (e.g., Additional Scope of Work, Additional Intended User, Description of Prior Services, etc.).
Scope of Work#
The Scope of Work subsection always displays.
| Report Field ID | Scope of Work Text | Text Conditionality |
|---|---|---|
| 29.000 | This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of assumptions and limiting conditions, and certifications. Modifications, additions or deletions to the definition of market value or assumptions and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User and the certifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser's continuing education or membership in an appraisal organization, are permitted. | Always displays |
| Scope of Work | Always displays | |
| 29.001 | The scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users, the intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the applicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject property; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property reported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report. | Always displays |
Additional Scope of Work - ValuationAdditionalScopeOfWorkIndicator (UID: 2200.0062, FID: Not on report)
- If "true"
- Display sub-header: Additional Scope of Work (FID: 29.002)
- Display in italics below sub-header: Additional Scope of Work cannot be contrary to the original Scope of Work.
- Display the text from ValuationScopeOfWorkDescription (UID: 2200.0003, FID: 29.003) and deliver in XML.
- If "false"
- Do not display
Intended Use#
The Intended Use subsection always displays.
| Report Field ID | Intended Use Text | Text Conditionality |
|---|---|---|
| 29.004 | The intended use of the opinions and conclusions contained in this appraisal report is for the intended user to evaluate the property that is the subject of this appraisal for a mortgage finance transaction or related activities. | Always displays |
| 29.005 | The intended use of the appraisal is solely to assist FHA in assessing the risk of the Property securing the FHA-insured Mortgage (24 CFR § 200.145(b)). | Display when GovernmentAgencyAppraisalType = "FHA" AND ValuationAssignmentType = "Purchase" OR "Refinance" |
When ValuationIntendedUseDescription (UID: 2200.0005, FID: 29.007) is provided AND GovernmentAgencyAppraisalIndicator = "true"
- Display sub-header: Additional Intended Use (FID: 29.006)
- Display in italics below sub-header: Additional Intended Use cannot be contrary to the original Intended Use.
- Display the text from ValuationIntendedUseDescription (UID: 2200.0005, FID: 29.007) and deliver in XML.
Intended User#
The Intended User subsection always displays.
| Report Field ID | Intended User Text | Text Conditionality |
|---|---|---|
| 29.008 | The intended user of this appraisal report is the lender/client. | Always displays |
| 29.009 | FHA and the Mortgagee are the intended users of this appraisal report. | Display descriptive text when GovernmentAgencyAppraisalType = "FHA" AND ValuationAssignmentType = "Purchase" OR "Refinance" |
| The USDA and any other identified lender/client are intended users of this report. | Display descriptive text when GovernmentAgencyAppraisalType = "USDA" | |
| The VA is also an intended user of this appraisal report. | Display descriptive text when GovernmentAgencyAppraisalType = "VA" |
Additional Intended Users - ValuationAdditionalIntendedUserIndicator (UID: 2200.0037, FID: Not on report)
- If "true"
- Display sub-header: Additional Intended Users (FID: 29.010)
- Display in italics below sub-header: Additional Intended Users cannot be contrary to the original Intended User.
- Display the text from ValuationAdditionalIntendedUserDescription (UID: 2200.0004, FID: 29.011) and deliver in XML.
- If "false"
- Do not display
- FirstName and LastName are Required.
- Deliver MiddleName or SuffixName when provided.
- Separate multiple names with 'and'.
Definition of Market Value#
The Definition of Market Value subsection always displays.
| Report Field ID | Definition of Market Value Text | Text Conditionality |
|---|---|---|
| 29.012 | The most probable price that a property should bring in a competitive and open market under all conditions requisite to a fair sale with the buyer and seller each acting prudently and knowledgeably, and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U.S. dollars or in terms of financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions* granted by anyone associated with the sale. | Always displays |
| 29.013 | *Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for costs that are normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable because the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a | Always displays |
| third-party institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar-for-dollar cost of the financing or concession, but the dollar amount of any adjustment should approximate the market's reaction to the financing or concessions based on the appraiser's judgment. |
Statement of Assumptions and Limiting Conditions#
The Statement of Assumptions and Limiting Conditions subsection always displays.
| Report Field ID | Statement of Assumptions and Limiting Conditions Text | Display Rules |
|---|---|---|
| 29.014 | The appraiser assumes that the title is good and marketable unless he or she becomes aware of information to the contrary. | Always displays |
| 29.015 | If the appraiser has included a sketch or floor plan in this appraisal report, it shows the approximate dimensions and is included only to assist the reader in visualizing the property and understanding the appraiser's determination of its size. | Always displays |
| 29.016 | The appraiser has relied on data provided by third parties in this appraisal report. Such data may include, but is not limited to, floor plans, flood maps, multiple listing real estate services, tax assessment records, public land records, satellite imagery, virtual street views, property data services, surveys, engineering reports, and property data aggregations. After examination of the data and data sources, the appraiser has used only the data he or she considers reliable. The appraiser assumes there are no material omissions in the data relied upon and makes no guarantees, express or implied, regarding their accuracy. If the source date is prior to the effective date of the appraisal, the appraiser assumes the property characteristics and supporting information have not changed in the interim. | Always displays |
| 29.017 | The appraiser will not be required to give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand, or as otherwise required by law. | Always displays |
| 29.018 | The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous wastes, toxic substances, etc.) that the appraiser became aware of during the development of this appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make the property less valuable, and assumes that there are no such conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be considered as an environmental assessment of the property. |
Always displays |
| 29.019 | The FHA Appraiser does not guarantee that the Property is free from defects. The appraisal establishes the value of the Property for mortgage insurance purposes only. | Display when GovernmentAgencyAppraisalType = "FHA" AND ValuationAssignmentType = "Purchase" OR "Refinance" |
Certifications#
Appraiser Certifications#
The Appraiser Certifications subsection always displays.
| Report Field ID | Cert # | Certifications Text | Display Rules |
|---|---|---|---|
| Appraiser Certifications | Always displays | ||
| 29.020 | The Appraiser certifies and agrees that: | Always displays | |
| 29.021 | 1 | I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective owners or occupants of the subject property, or other parties involved in this transaction. | Always displays |
| 29.022 | 2 | I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this report, or the demographics of the area where the property is located. | Always displays |
| 29.023 | 3 | I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that apply to the appraiser and to the assignment. | Always displays |
| 29.024 | 4 | I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity), age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present or prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis prohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law. | Always displays |
| 29.025 | 5 | I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to the assumptions and limiting conditions in this appraisal report. | Always displays |
| 29.026 | 6 | I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal report. | Always displays |
| 29.027 | 7 | I meet the credential requirements for this assignment as of the date of this appraisal report and have knowledge and experience in appraising this type of property in this market area. | Always displays |
| 29.028 | 8 | I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax assessment records, public land records, and other such data sources for the area in which the property is located. | Always displays |
| 29.029 | 9 | I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources that I believe to be true and correct. | Always displays |
| 29.030 | 10 | I personally performed an onsite inspection of the interior and exterior areas of the subject property. I reported the readily observable condition of the improvements in factual, specific terms. I identified and reported any known physical deficiencies that could affect the soundness or structural integrity of the property. | Display when ValuationReportInspectionCertificationType = "InteriorAndExterior" |
| I personally performed an inspection of the exterior areas of the subject property from at least the street. I reported the readily observable condition of the improvements in factual, specific terms. I reported any known physical deficiencies that could affect the soundness or structural integrity of the property. | Display when ValuationReportInspectionCertificationType = "Exterior" | ||
| I did not personally perform an onsite inspection of the subject property as part of this appraisal assignment. I reported the condition of the improvements in factual, specific terms, relying on subject property information data sources I considered reliable. I reported any known physical deficiencies that could affect the soundness or structural integrity of the property. | Display when ValuationReportInspectionCertificationType = "NoPhysicalInspection" | ||
| 29.031 | 11 | I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was transmitted. | Always displays |
| 29.032 | 12 | Using information available in the normal course of business, I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal. | Always displays |
| 29.033 | 13 | Using information available in the normal course of business, I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale. | Always displays |
| 29.034 | 14 | I based my valuation on the available properties that are most similar to the subject property. | Always displays |
| 29.035 | 15 | I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been built or will be built on the land. | Always displays |
| 29.036 | 16 | I have identified the differences between the subject and comparable properties, analyzed the market reaction to those differences, and reflected those differences in the analysis. | Always displays |
| 29.037 | 17 | To the extent possible, I verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in the sale or financing of the subject property. | Always displays |
| 29.038 | 18 | I have taken into consideration the factors that have an impact on value with respect to the subject property, and its location, including its proximity to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that I became aware of during the development of this appraisal. I have considered these adverse conditions in my analysis of the property value and have reported on the effect of the conditions on the value and marketability of the subject property. | Always displays |
| 29.039 | 19 | I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and information in this appraisal report are true and correct. | Always displays |
| 29.040 | 20 | My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any agreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). | Always displays |
| 29.041 | 21 | I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided significant real property appraisal assistance. | Display when the Assignment section indicates PartyRoleType <> "SignificantRealPropertyAppraisalAssistance" for any Contacts |
| I personally prepared conclusions and opinions about the real estate that were set forth in this appraisal report. [Contact Name(s)] provided significant real property appraisal assistance in the development of this report. I certify that any individual so named is qualified to perform the assistance. | Display when the Assignment section indicates PartyRoleType = "SignificantRealPropertyAppraisalAssistance" for one or more Contacts | ||
| 29.042 | 21 | [Contact Name(s)] | Display when the Assignment section indicates PartyRoleType = "SignificantRealPropertyAppraisalAssistance" For each party: |
| 29.043 | 22 | I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no responsibility for it. | Always displays |
| 29.044 | 23 | I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will receive this appraisal report. | Always displays |
| 29.045 | 24 | I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that pertain to disclosure or distribution by me. | Always displays |
| 29.046 | 25 | The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions. Any of the foregoing persons or entities who receive this appraisal report may choose to store, copy, reproduce, analyze, use and distribute the data in the appraisal report for internal or external purposes without having to obtain the appraiser's or supervisory appraiser's (if applicable) consent. Consent must be obtained before this appraisal report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). A person or entity who receives a copy of an appraisal report does not become an intended user, unless the appraiser identifies such person as an intended user. The appraiser and supervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to the mortgage finance transaction and related activities for which this appraisal report was prepared. | Always displays |
| 29.047 | 26 | The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, government sponsored enterprises, and other secondary market participants may choose to rely on this appraisal report as part of any mortgage finance transaction that involves any one or more of these parties. A person or entity who receives a copy of an appraisal report does not become an intended user, unless the appraiser identifies such person as an intended user. The appraiser and supervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to the mortgage finance transaction and related activities for which this appraisal report was prepared. | Always displays |
| 29.048 | 27 | If this report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation of my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature. | Always displays |
| 29.049 | 28 | Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar state laws. | Always displays |
| 29.050 | 29 | I have not performed any service regarding the subject property within the three years preceding the agreement to perform this assignment. | Display when AppraiserPriorServicesPerformedIndicator = "false" |
| I have performed services regarding the subject property within the three years preceding the agreement to perform this assignment. | Display when AppraiserPriorServicesPerformedIndicator = "true" |
Description of Prior Services - AppraiserPriorServicesPerformedDescription (UID: 2200.0016, FID: 29.051) is required when AppraiserPriorServicesPerformedIndicator = "true". This must be delivered in the XML if it exists.
When Additional Appraiser Certifications - AppraiserAdditionalCertificationIndicator (UID: 2200.0034, FID: Not on report)
- "true"
- Display sub-header: Additional Appraiser Certifications (FID: 29.052)
- Display in italics below sub-header: Additional Appraiser Certifications cannot be contrary to the original Appraiser Certifications.
- Deliver ValuationAdditionalCertificationIncludedByType = "Appraiser"
- Display the text from ValuationAdditionalCertificationText (UID: 2200.0013, FID: 29.053) and deliver in XML. ▪ Additional certifications are numbered starting at 1.
- "false"
- Do not display
- Display sub-header: Additional Supervisory Appraiser Certifications (FID: 29.061)
- Display in italics below sub-header: Additional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser Certifications.
- Deliver ValuationAdditionalCertificationIncludedByType = "AppraiserSupervisor"
- Acknowledgement of Prior Services displays as Additional Supervisory Appraiser Certification
- Display the text from ValuationAdditionalCertificationText (UID: 2200.0013, FID: 29.062) and deliver in XML.
- Additional certifications are numbered starting at 1.
Supervisory Appraiser Certifications#
| Report Field ID | Cert # | Certifications Text | Display Rules |
|---|---|---|---|
| Report Field ID | Cert # | Certifications Text | Display Rules |
| 29.054 | Supervisory Appraiser Certifications | Display when PartyRoleType = "AppraiserSupervisor" | |
| 29.055 | The Supervisory Appraiser certifies and agrees that: | ||
| 29.056 | 1 | I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective owners or occupants of the subject property, or other parties involved in this transaction. | |
| 29.057 | 2 | I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this report, or the demographics of the area where the property is located. | |
| 29.058 | 3 | I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that apply to the appraiser and to the assignment. | |
| 29.059 | 4 | I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser's analyses, opinions, statements, conclusions, and the appraiser's certification. | |
| 29.060 | 5 | The assignment information regarding the scope of inspection by the Supervisory Appraiser is correct. | |
| 29.071 | 6 | I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser's analyses, opinions, statements, conclusions, and the appraiser's certification. | |
| 29.072 | 7 | The appraiser identified in this appraisal report is either a subcontractor or an employee of the supervisory appraiser (or the appraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable law. | |
| 29.073 | 8 | This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was transmitted. | |
| 29.074 | 9 | If this report was transmitted as an "electronic record" containing my "electronic signature," as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation of my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature. |
When PartyRoleType = AppraiserSupervisor (UID: 2200.0085, FID: Not on report), AppraiserSupervisorAdditionalCertificationIndicator (UID: 2200.0035, FID: Not on report) must always be "true" to acknowledge Prior Services by the Supervisory Appraiser.
Signature#
The Signature subsection always displays. There can be multiple signatures on the report. Every valuation report must contain a PartyRoleType = "Appraiser" and/or "AppraiserSupervisor".
Signature
| Report Field ID | Report Label | Unique ID | MISMO Data Point Name | Display Rules |
|---|---|---|---|---|
| 29.063 | [Role] | 2400.0056 | PartyRoleType | When PartyRoleType = "Appraiser" or "AppraiserSupervisor" display "Appraiser" first and, when applicable, "Supervisory Appraiser" below the appraiser (Figure 29 - 1) |
| 29.065 | [Contact name(s)] | 2400.0041 2400.0042 2400.0043 2400.0044 |
FirstName LastName MiddleName SuffixName |
FirstName and LastName always display. MiddleName and SuffixName display when provided. |
| 29.066 | Date of Signature and Report | 2200.0002 | ExecutionDate | When PartyRoleType = "Appraiser" OR "AppraiserSupervisor" |
| 29.067 | Level | 2400.0051 | AppraiserLicenseType | When PartyRoleType = "Appraiser" OR "AppraiserSupervisor" |
| 29.068 | ID | 2400.0054 | LicenseIdentifier | When PartyRoleType = "Appraiser" OR "AppraiserSupervisor" AND AppraiserLicenseType <> "None" |
| 29.069 | State | 2400.0055 | LicenseIssuingAuthorityStateCode | When PartyRoleType = "Appraiser" OR "AppraiserSupervisor" AND AppraiserLicenseType <> "None" |
| 29.070 | Expires | 2400.0053 | LicenseExpirationDate | When PartyRoleType = "Appraiser" OR "AppraiserSupervisor" AND AppraiserLicenseType <> "None" |
Figure 29 - 1
Certifications - Arcrole Relationships#
Arcrole relationships, establishes "relationships" or linkages in the XML data file that may be visually obvious on the URAR Report. In the XML data, specific instances of data points or containers must be connected to properly represent the information.
- Containers or datapoints to be linked are identified using "xlink:label."
- The RELATIONSHIP container holds the xlink:arcrole, xlink:from, and xlink:to attributes that describe the data relationships.
SIGNATORY to ROLE - Provide the relationship that joins the SIGNATORY container to the PARTY container representing the appraiser or supervisory appraiser. One RELATIONSHIP container is required for each PARTY that has signed the valuation report.
Appraiser#
| Unique ID | Parent Container | MISMO Attribute Name | Supported Attribute Enumerations |
|---|---|---|---|
| 1400.0342 | RELATIONSHIP | @xlink:arcrole | urn:fdc:mismo.org:2009:residential/SIGNATORY_IsAssociatedWith_ROLE |
| 1400.0343 | RELATIONSHIP | @xlink:from | SIGNATORY_n |
| 1400.0344 | RELATIONSHIP | @xlink:to | ROLE_n |
| 2200.0001 | SIGNATORY | @xlink:label | SIGNATORY_n |
| 2400.0045 | ROLE | @xlink:label | ROLE_n |
Supervisory Appraiser#
| Unique ID | Parent Container | MISMO Attribute Name | Supported Attribute Enumerations |
|---|---|---|---|
| 2200.0092 | RELATIONSHIP | @xlink:arcrole | urn:fdc:mismo.org:2009:residential/SIGNATORY_IsAssociatedWith_ROLE |
| 2200.0093 | RELATIONSHIP | @xlink:from | SIGNATORY_n |
| 2200.0094 | RELATIONSHIP | @xlink:to | ROLE_n |
| 2200.0153 | SIGNATORY | @xlink:label | SIGNATORY_n |
| 2200.0079 | ROLE | @xlink:label | ROLE_n |
Every party that signs the report is represented in the data using an arcrole. The Appraiser and Appraiser Supervisor signatures displayed in Figure 29 - 1, are represented in the sample XML to illustrate how the data is delivered.
