FEDERAL EMERGENCY MANAGEMENT AGENCY    See the Attached       O.M.B. No. 3067-0264
             STANDARD FLOOD HAZARD DETERMINATION        Instructions    Expires October 31, 2005
                                              SECTION I - LOAN INFORMATION    
 1. LENDER NAME AND ADDRESS  2.  COLLATERAL  (Building / Mobile Home / Personal Property)  PROPERTY ADDRESS
       (Legal Description may be attached) 
 Johnstown Credit Bureau1690 WASHINGTON ST 
 227 Franklin St.WINDBER, PA 15963 
 Johnstown, PA 15907 
 Processor: angela gsteven & melissa toth 
             
 3. LENDER ID NO. 4. LOAN IDENTIFIER 5.  AMOUNT OF FLOOD INSURANCE REQUIRED
  test case $ 
                                              SECTION II       
 A. NATIONAL FLOOD INSURANCE PROGRAM (NFIP) COMMUNITY JURISDICTION       
1.                 NFIP Community Name 2.                    County(ies)  3.      State 4.     NFIP Community Number
BOSTON, CITY OFSUFFOLKPA421111
 B. NAT'L FLOOD INSURANCE PROGRAM DATA AFFECTING BUILDING/MOBILE HOME       
1.NFIP Map Number or Community Panel Number 2.  NFIP Map Panel Effective/ 3.       LOMA/LOMR  4. Flood Zone 5.  No NFIP
 (Community name, if not the same as "A")               Revised Date              Map
       
     Yes   
 1111111111A 11/11/11 X
        Date   
 C. FEDERAL FLOOD INSURANCE AVAILABILITY     (Check all that apply)        
  
1.X  Federal Flood Insurance is available (Community participates in NFIP).X  Regular Program  Emergency Program of NFIP
  
2.  Federal Flood Insurance is not available because community is not participating in the NFIP. 
  
3.  Building / Mobile Home is in a Coastal Barrier Resources Area (CBRA) or Otherwise Protected Area (OPA); Federal Flood Insurance
   may not be available. 
                          CBRA / OPA designation date: 
             
 D. DETERMINATION          
 IS BUILDING / MOBILE HOME IN SPECIAL FLOOD HAZARD AREA 
 (ZONES CONTAINING THE LETTERS "A" OR "V")?  YESX  NO 
 If yes, Flood Insurance is required by the Flood Disaster Protection Act of 1973. 
 If no, Flood Insurance is not required by the Flood Disaster Protection Act of 1973.       
 E.  COMMENTS  (Optional): 
  
 Census Tract Info - state: 42 MSA: 3680 County: 111 Tract 0202.00 
  
 ORDER# 20030411145408-001-720   LIFE OF LOAN 
  
   
             
 This determination is based on examining the NFIP Map, any Federal Emergency Management Agency revisions to it, and any other 
 information needed to locate the building / mobile home on the NFIP Map.       
 F.  PREPARER'S INFORMATION          
 NAME, ADDRESS, TELEPHONE NUMBER  (If other than Lender)   DATE OF DETERMINATION
 US Determination Services, Inc.  
 30 Winter Street, 12th Floor 04/11/03  
 Boston, MA  02108  
  (800) 338-8050          
FEMA Form 81-93, OCT 02