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45 SEAFIELD STREET, PORTSOY, BANFF, AB45 2QT12 March 2018 RRN: 0680-1023-0207-1108-1900Recommendations ReportAbout the recommended measures to improve your home’s performance ratingThis section offers additional information and advice on the recommended improvement measures for your home1 Room-in-roof insulationInsulating roof rooms will significantly reduce heat loss; this will improve levels of comfort, reduce energy useand lower fuel bills. If it has a flat ceiling insulation can usually be added above the ceiling, and sloping ceilingsand walls of roof rooms can be insulated using an internal lining board. Roof voids must have adequateventilation to prevent dampness; seek advice about this if unsure. Further information about roof room insulationand details of local contractors can be obtained from the National Insulation uk). Building regulations generally apply to this work so it is best to checkthis with your local authority building standards department.2 Internal or external wall insulationInternal or external wall insulation involves adding a layer of insulation to either the inside or the outside surfaceof the external walls, which reduces heat loss and lowers fuel bills. As it is more expensive than cavity wallinsulation it is only recommended for walls without a cavity, or where for technical reasons a cavity cannot befilled. Internal insulation, known as dry-lining, is where a layer of insulation is fixed to the inside surface ofexternal walls; this type of insulation is best applied when rooms require redecorating. External solid wallinsulation is the application of an insulant and a weather-protective finish to the outside of the wall. This mayimprove the look of the home, particularly where existing brickwork or rendering is poor, and will provide longlasting weather protection. Further information can be obtained from the National Insulation uk). It should be noted that a building warrant is required for theinstallation of external wall insulation. Planning permission may also be required and that building regulationsapply to external insulation so it is best to check with your local authority on both issues.3 Floor insulation (suspended floor)Insulation of a floor will significantly reduce heat loss; this will improve levels of comfort, reduce energy use andlower fuel bills. Suspended floors can often be insulated from below but must have adequate ventilation toprevent dampness; seek advice about this if unsure. Further information about floor insulation is available frommany sources including loor-insulation. Building regulationsgenerally apply to this work so it is best to check with your local authority building standards department.4 Floor insulation (solid floor)Insulation of a floor will significantly reduce heat loss; this will improve levels of comfort, reduce energy use andlower fuel bills. Insulating solid floors can present challenges; insulation laid on top of existing solid floors mayimpact on existing doors and finishes whilst lifting of a solid floor to insert insulation below will requireconsideration of the potential effect on both structural stability and damp proofing. It is advised to seek advicefrom a Chartered Structural Engineer or a registered Architect about this if unsure. Further information aboutfloor insulation is available from many sources including loorinsulation. Building regulations generally apply to this work and may also require a building warrant so it is bestto check with your local authority building standards department.5 Hot water cylinder insulationIncreasing the thickness of existing insulation by adding an 80 mm cylinder jacket around the hot water cylinderwill help maintain the water at the required temperature; this will reduce the amount of energy used and lowerfuel bills. The jacket should be fitted over the top of the existing foam insulation and over any thermostatclamped to the cylinder. Hot water pipes from the hot water cylinder should also be insulated, using pre-formedpipe insulation of up to 50 mm thickness, or to suit the space available, for as far as they can be accessed toreduce losses in summer. All these materials can be purchased from DIY stores and installed by a competentDIY enthusiast.6 DraughtproofingFitting draughtproofing, strips of insulation around windows and doors, will improve the comfort in the home. Acontractor can be employed but draughtproofing can be installed by a competent DIY enthusiast.Page 4 of 7

45 SEAFIELD STREET, PORTSOY, BANFF, AB45 2QT12 March 2018 RRN: 0680-1023-0207-1108-1900Recommendations Report7 Low energy lightingReplacement of traditional light bulbs with energy saving bulbs will reduce lighting costs over the lifetime of thebulb, and they last many times longer than ordinary light bulbs. Low energy lamps and fittings are nowcommonplace and readily available. Information on energy efficiency lighting can be found from a wide range oforganisations, including the Energy Saving Trust ficiency/lighting).8 High heat retention storage heatersModern storage heaters have better insulation and are easier to control than the older type in this property. Askfor a quotation for new, high heat retention heaters with automatic charge and output controls. A dual-immersioncylinder, which can be installed at the same time, will provide cheaper hot water than the system currentlyinstalled. Installations should be in accordance with the current regulations covering electrical wiring. Ask theheating engineer to explain the options, which might also include switching to other forms of electric heating.9 Solar water heatingA solar water heating panel, usually fixed to the roof, uses the sun to pre-heat the hot water supply. This cansignificantly reduce the demand on the heating system to provide hot water and hence save fuel and money.Planning permission might be required, building regulations generally apply to this work and a building warrantmay be required, so it is best to check these with your local authority. You could be eligible for Renewable HeatIncentive payments which could appreciably increase the savings beyond those shown on your EPC, providedthat both the product and the installer are certified by the Microgeneration Certification Scheme (or equivalent).Details of local MCS installers are available at www.microgenerationcertification.org.10 Double glazed windowsDouble glazing is the term given to a system where two panes of glass are made up into a sealed unit.Replacing existing single-glazed windows with double-glazed windows will improve comfort in the home byreducing draughts and cold spots near windows. Double-glazed windows may also reduce noise, improvesecurity and combat problems with condensation. Building regulations apply to this work and planningpermission may also be required, so it is best to check with your local authority on what standards need to bemet. A building warrant is not required if the windows comply with the current requirements.11 Solar photovoltaic (PV) panelsA solar PV system is one which converts light directly into electricity via panels placed on the roof with no wasteand no emissions. This electricity is used throughout the home in the same way as the electricity purchased froman energy supplier. Planning permission might be required, building regulations generally apply to this work anda building warrant may be required, so it is best to check with your local authority. The assessment does notinclude the effect of any Feed-in Tariff which could appreciably increase the savings that are shown on this EPCfor solar photovoltaic panels, provided that both the product and the installer are certified by the MicrogenerationCertification Scheme (or equivalent). Details of local MCS installers are available atwww.microgenerationcertification.org.Low and zero carbon energy sourcesLow and zero carbon (LZC) energy sources are sources of energy that release either very little or no carbon dioxideinto the atmosphere when they are used. Installing these sources may help reduce energy bills as well as cuttingcarbon.LZC energy sources present: There are none provided for this homeYour home's heat demandYou could receive Renewable Heat Incentive (RHI) payments and help reduce carbon emissions by replacing yourexisting heating system with one that generates renewable heat and, where appropriate, having your loft insulated andcavity walls filled. The estimated energy required for space and water heating will form the basis of the payments. Formore information go to www.energysavingtrust.org.uk/scotland/rhi.Existing dwellingImpact of loftinsulationImpact of cavitywall insulationImpact of solid wallinsulationSpace heating (kWh per year)42,077(1,950)N/A(9,235)Water heating (kWh per year)2,310Heat demandPage 5 of 7

45 SEAFIELD STREET, PORTSOY, BANFF, AB45 2QT12 March 2018 RRN: 0680-1023-0207-1108-1900Recommendations ReportAddendumThis dwelling has stone walls and so requires further investigation to establish whether these walls are of cavityconstruction and to determine which type of wall insulation is best suited.About this documentThis Recommendations Report and the accompanying Energy Performance Certificate are valid for a maximum of tenyears. These documents cease to be valid where superseded by a more recent assessment of the same buildingcarried out by a member of an Approved Organisation.The Energy Performance Certificate and this Recommendations Report for this building were produced following anenergy assessment undertaken by an assessor accredited by Elmhurst (www.elmhurstenergy.co.uk), an ApprovedOrganisation Appointed by Scottish Ministers. The certificate has been produced under the Energy Performance ofBuildings (Scotland) Regulations 2008 from data lodged to the Scottish EPC register. You can verify the validity of thisdocument by visiting www.scottishepcregister.org.uk and entering the report reference number (RRN) printed at thetop of this page.Assessor's name:Assessor membership number:Company name/trading name:Address:Phone number:Email address:Related party disclosure:Mr. Alan KennedyEES/016140J & E Shepherd11 Dalrymple StreetFraserburghAB43 9BH01382 200454alankennedy@shepherd.co.ukNo related partyIf you have any concerns regarding the content of this report or the service provided by your assessor you should inthe first instance raise these matters with your assessor and with the Approved Organisation to which they belong. AllApproved Organisations are required to publish their complaints and disciplinary procedures and details can be foundonline at the web address given above.Use of this energy performance informationOnce lodged by your EPC assessor, this Energy Performance Certificate and Recommendations Report are availableto view online at www.scottishepcregister.org.uk, with the facility to search for any single record by entering theproperty address. This gives everyone access to any current, valid EPC except where a property has a Green DealPlan, in which case the report reference number (RRN) must first be provided. The energy performance data in thesedocuments, together with other building information gathered during the assessment is held on the Scottish EPCRegister and is available to authorised recipients, including organisations delivering energy efficiency and carbonreduction initiatives on behalf of the Scottish and UK governments. A range of data from all assessments undertakenin Scotland is also published periodically by the Scottish Government. Further information on these matters and onEnergy Performance Certificates in general, can be found at www.gov.scot/epc.Page 6 of 7

45 SEAFIELD STREET, PORTSOY, BANFF, AB45 2QT12 March 2018 RRN: 0680-1023-0207-1108-1900Recommendations ReportOpportunity to benefit from a Green Deal on this propertyUnder a Green Deal, the cost of the improvements is repaid over time via a credit agreement. Repayments are madethrough a charge added to the electricity bill for the property.To see which improvements are recommended for this property, please turn to page 3. You can choose whichimprovements you want to install and ask for a quote from an authorised Green Deal provider. They will organiseinstallation by an authorised Green Deal installer. If you move home, the responsibility for paying the Green Dealcharge under the credit agreement passes to the new electricity bill payer.For householders in receipt of income-related benefits, additional help may be available.To find out more, visit www.greenerscotland.org or call 0808 808 2282.Authorisedhome energyassessmentFinance atno upfrontcostChoose fromauthorisedinstallersMay be paidfrom savingsin energy billsRepaymentsstay with theelectricity billpayerPage 7 of 7

Scottish Single Survey

Single Surveysurvey report on:Property address45 Seafield StreetPortsoyBanffAB45 2QTCustomerMr & Mrs J. StewartCustomer addressPer Alexander George & Co., Solicitors25 High StreetBanffAB45 1ANPrepared byJ & E ShepherdDate of inspection8th March 201845 Seafield Street, Portsoy,Banff, AB45 2QT8th March 2018 HP532681

Terms and ConditionsPART 1 - GENERAL1.1 THE SURVEYORSThe Seller has engaged the Surveyors to provide the Single Survey Report and a generic MortgageValuation Report for Lending Purposes. The Seller has also engaged the Surveyors to provide anEnergy Report in the format prescribed by the accredited Energy Company.The Surveyors are authorised to provide a transcript or retype of the generic Mortgage ValuationReport on to Lender specific pro-forma. Transcript reports are commonly requested by Brokers andLenders. The transcript report will be in the format required by the Lender but will contain the sameinformation, inspection date and valuation figure as the generic Mortgage Valuation Report and theSingle Survey. The Surveyors will decline any transcript request which requires the provision ofinformation additional to the information in the Report and the generic Mortgage Valuation Report untilthe Seller has conditionally accepted an offer to purchase made in writing.Once the Seller has conditionally accepted an offer to purchase made in writing, the Purchaser'slender or conveyancer may request that the Surveyors provide general comment on standardappropriate supplementary documentation. In the event of a significant amount of documentationbeing provided to the Surveyors, an additional fee may be incurred by the Purchaser. Any additionalfee will be agreed in writing.If information is provided to the Surveyors during the conveyancing process which materially affectsthe valuation stated in the Report and generic Mortgage Valuation Report, the Surveyors reserve theright to reconsider the valuation. Where the Surveyors require to amend the valuation in consequenceof such information, they will issue an amended Report and generic Mortgage Valuation Report to theSeller. It is the responsibility of the Seller to ensure that the amended Report and generic MortgageValuation Report are transmitted to every prospective Purchaser.The individual Surveyor will be a member of the Royal Institution of Chartered Surveyors who iscompetent to survey, value and report upon Residential Property 1 .If the Surveyors have had a previous business relationship within the past two years with the Seller orSellers Agent or relative to the property, they will be obliged to indicate this by ticking the adjacent box.The Surveyors have a written complaints handling procedure. This is available from the offices of theSurveyors at the address stated.1.2 THE REPORTThe Surveyors will not provide an amended Report on the Property, except to correct factualinaccuracies.The Report will identify the nature and source of information relied upon in its preparation.The Surveyor shall provide a Market Value of the Property, unless the condition of the Property is suchthat it would be inappropriate to do so. A final decision on whether a loan will be granted rests with theLender who may impose retentions in line with their lending criteria. The date of condition and valueof the property will be the date of inspection.To date, Purchasers have normally obtained their own report from their chosen Surveyor. By contrast,a Single Survey is instructed by the Seller and made available to all potential Purchasers in theexpectation that the successful Purchaser will have relied upon it. The Royal Institution of CharteredSurveyors rules require disclosure of any potential conflict of interest when acting for the Seller andthe Purchaser in the same transaction. The Single Survey may give rise to a conflict of interest and ifthis is of concern to any party they are advised to seek their own independent advice.1Which shall be in accordance with the current RICS Valuation Standards (The Red Book) and RICS Rules of Conduct.45 Seafield Street, Portsoy,Banff, AB45 2QT8th March 2018 HP532681Terms & Conditions (With MVR) - 1\10\2008Page 1 of 6

Terms and ConditionsThe Report and any expressions or assessments in it are not intended as advice to the Seller orPurchaser or any other person in relation to an asking price or any other sales or marketing decisions.The Report is based solely on the Property and is not to be relied upon in any manner whatsoeverwhen considering the valuation or condition of any other property.If certain minor matters are mentioned in the Report it should not be assumed that the Property is freeof other minor defects.Neither the whole nor any part of the Report may be published in any way, reproduced or distributedby any party other than the Seller, prospective purchasers and the Purchaser and their respectiveprofessional advisers without the prior written consent of the Surveyors.1.3 LIABILITYThe Report is prepared with the skill and care reasonably to be expected of a competent residentialsurveyor who is a member of the Royal Institution of Chartered Surveyors.The Report is addressed to the Seller and was prepared in the expectation that it (or a complete copy)along with these Terms and Conditions (or a complete copy) would (or, as the case might be, wouldhave been) be disclosed and delivered to:the Seller;any person(s) noting an interest in purchasing the Property from the Seller;any person(s) who make(s) (or on whose behalf is made) an offer to purchase the Property,whether or not that offer is accepted by the Seller;the Purchaser; andthe professional advisers of any of these.The Surveyors acknowledge that their duty of skill and care in relation to the Report is owed to theSeller and to the Purchaser. The Surveyors accept no responsibility or liability whatsoever in relationto the Report to persons other than the Seller and the Purchaser. The Seller and Purchaser should beaware that if a Lender seeks to rely on this Report they do so at their own risk. In particular, theSurveyors accept no responsibility or liability whatsoever to any Lender in relation to the Report. Anysuch Lender relies upon the Report entirely at their own risk.1.4 GENERIC MORTGAGE VALUATION REPORTThe Surveyors undertake to the Seller that they will prepare a generic Mortgage Valuation Report,which will be issued along with the Single Survey. It is the responsibility of the Seller to ensure thatthe generic Mortgage Valuation Report is provided to every potential Purchaser.1.5 TRANSCRIPT MORTGAGE VALUATION FOR LENDING PURPOSESThe Surveyors undertake that on being asked to do so by a prospective purchaser, or his/herprofessional advisor or Lender, they will prepare a Transcript Mortgage Valuation Report for LendingPurposes on terms and conditions to be agreed between the Surveyors and Lender and solely for theuse of the Lender and upon which the Lender may rely. The decision as to whether finance will beprovided is entirely a matter for the Lender. The Transcript Mortgage Valuation Report 2 will be frominformation contained in the Report and the generic Mortgage Valuation Report.2Which shall be in

45 SEAFIELD STREET, PORTSOY, BANFF, AB45 2QT Dwelling type: Semi-detached house Date of assessment: 08 March 2018 Date of certificate: 12 March 2018 Total floor area: 142 m2 Primary Energy Indicator: 979 kWh/m2/year Reference number: 0680-1023-0207-1108-1900 Type of assessment: RdSAP, existing dwelling Approved Organisation: Elmhurst