Information as might otherwise be provided is from sources deemed reliable, but no warranty or representation is made as to its accuracy. Spencer Group Auctions and the sellers expressly disclaim any liability for errors, omissions or changes regarding any information provided. Potential purchasers are strongly urged to rely solely upon their own inspections and opinions in preparing to purchase any property and are expressly advised not to rely on any representation made by the sellers or their agents. Properties may be added or deleted at the discretion of Spencer Group Auctions and are sold with reserve unless otherwise indicated. Neither Spencer Group Auctions, nor any of our agents, officers, or employees are experts regarding any property offered, including without limitation:

• the value, nature, quality or condition of the property
• the water, soil, geology
• the income to be derived from the property
• the suitability of the property for any and all activities and uses which buyer may conduct thereon
• the compliance of or by the property or its operation with any laws, rules, ordinances or regulations of any applicable governmental authority or body
• the insurability, habitability, merchantability, marketability, profitability or fitness of the property for a particular purpose
• the manner or quality of the construction or materials, if any, incorporated into the property
• the manner, quality, state of repair or lack of repair of the property
• the flood or water damage history of the property
• any other matter with respect to the property

Buyer is strongly advised to seek from independent sources of buyer's choosing expert advice and/or inspections, including legal advice, to buyer's complete satisfaction concerning any property and the terms of sale prior to the auction. Every potential buyer should satisfy him/herself regarding any possible defects that might have been caused to structures or improvements to the property as the result of water conditions, soil movement, fire, settlement, storm damage, or any other possible causes. Inspections every potential buyer should obtain prior to an auction include, but are not limited to, those concerning:

• structure and soils (from an architect or professional engineer)
• roof (including structural members, decking and shingles, fire history)
• security system, pool/spa, appraiser valuations
• plumbing (including well, sewer lines, septic system)
• heating/cooling systems (including duct system)
• electrical systems, built-in appliances
• surveyor information
• availability and cost of flood and hazard insurance
• a HUD approved infestation (termite) report

All such inspections should be conducted by a qualified and experienced expert of the buyer's choosing. Each potential buyer is advised to accompany the inspector(s) during the inspection(s). Potential buyers should not rely on seller, Spencer Group Auctions, a friend, or him/herself to make these or any other inspections. The costs of all inspections, including all liability attendant thereto, are the potential buyer's sole responsibility. To locate experienced and qualified inspectors, potential buyers should consult the phone book yellow pages under the various headings listed herein, and verify appropriate licenses and all references given. If buyer asks for and is given recommendations, by Spencer Group Auctions or any other person, buyer should be sure to receive the names of at least 3 inspectors to select from for each inspection. These may be provided by an attorney, lender, or other informed sources. If a potential buyer has any objection to the property based on any defects or information disclosed or learned about the property per the recommended inspections herein, he/she should not bid.