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APPRAISER QUALIFICATIONS -

VICKI L. BISHOP

Certified Residential Real Estate Appraiser for Missouri Property
Appraisal, Inc., Real Estate Appraisers and Consultants - Waynesville,
Missouri Office. Missouri Property Appraisal is a regional Real Estate
Appraisal and Consulting firm, which has offices at 610
Business 54 South in Fulton, Missouri, 525 East High
Street in Jefferson City, Missouri, 607 Jackson in
Columbia, Missouri, Suite 105 Cliffside Center in Lake Ozark,
Missouri, 303 Schiller Street in Hermann, Missouri, 105 West
Moniteau in Tipton, Missouri, 316 Historic Route 66 East in
Waynesville, Missouri, 525C Main Street in St. Clair, Missouri,
Laurie Terrace Mall in Laurie, Missouri,1204 South Aurora
in Eldon, Missouri and 101 West Monroe in Mexico, Missouri

EDUCATIONAL BACKGROUND

Graduate, Dixon High School, Dixon, Missouri

B.Sc. Business Administration, Drury College,
Springfield, Missouri, May 1993.



APPRAISAL RELATED COURSES AND SEMINARS

Fundamentals of Real Estate Appraisal I - completed and passed,
Lifetime Learning Institute, February 1997, Springfield, Missouri.

Uniform Standards of Appraisal Practice - completed and passed,
Lifetime Learning Institute, July 1997, Springfield, Missouri.

Uniform Standards of Appraisal Practice - completed and passed,
Lifetime Learning Institute, February 2000, Springfield, Missouri.

How The National Flood Plain Insurance Program Works - completed
State Emergency Management Agency, October 2000, Osage Beach, Missouri

National Flood Insurance Progam Elevation Certificate - completed
National Flood Insurance Program, October 2000, Osage Beach, Missouri

Real Estate Finance for Appraisers - completed Bobbitt & Company
June 2001, Springfield, Missouri.

Red Flags in Property Inspection - completed Bobbitt & Company
June 2001, Springfield, Missouri.

Houses: Construction, Design & Systems - completed Bobbitt & Company
June 2001, Springfield, Missouri.

Uniform Standards of Professional Appraisal Practice - completed
Bobbitt & Company, April 2002, Springfield, MO

The Appraiser as an Expert Witness: Preparation & Testimony -
completed The Appraisal Institute, May 2003, Branson, MO

PROFESSIONAL CERTIFICATIONS

State Certified Real Estate Appraiser, Missouri Real Estate
Appraisers Commission License # RA 003315

FHA Lenders Selection Panel

PROFESSIONAL AFFILIATIONS

Pulaski County Board of REALTORS