A lot of time and energy has been spent on splitting hairs like this one in the Reg B appraisal notice/copy requirement. Ironically, with the waiver provision in the rule, it may just be easier (and less expensive) to give the notice, make the copy and provide it.
I offer this in spite of the fact that I support the answer from Carolina Blue.
John S. Burnett
Fighting for Compliance since 1976
Bankers' Threads User #8