APPRAISER QUALIFICATIONS -

Erin Collette

Staff Appraiser for Missouri Property Appraisal, Inc., Real Estate Appraisers
and Consultants - Fulton, Missouri Office.

EDUCATIONAL BACKGROUND

Graduate - Hannibal High School


PROFESSIONAL TRAINING

Foundations of Real Estate Appraisal
Sharon Lowman, January 10, 2003

Appraising the Single Family Residence
Sharon Lowman, January 24, 2003

Two to Four Unit Residential Case Study
Sharon Lowman, March 12, 2003

National Uniform Standards of Professional Appriasal Practice
Sharon Lowman, March 14, 2003

Real Estate Appraisal Methods
Sharon Lowman, March 28, 2003

Successful Completion of the Missouri Residential Estate Appraisers Examination
August 5, 2003