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APPRAISER QUALIFICATIONS -

JAMES C. DAVIS

State Certified Residential Real Estate Appraiser for Missouri Property
Appraisal, Inc., Real Estate Appraisers and Consultants - Lake Ozark,
Missouri Office.

EDUCATIONAL BACKGROUND

Graduate - School of the Osage High School, Osage Beach, Missouri

Graduate - University of Missouri, Columbia, Missouri
BS in Human and Environmental Sciences

PROFESSIONAL TRAINING

Inspection Training Associates - Completed and passed,
June 1998, Oceanside, California. Certified Home Inspector

Uniform Standards of Professional Practice - Completed and passed
July 1998, Springfield, Missouri. Lifetime Learning Center

Appraisal Foundations I - Completed and passed
July 1998, Springfield, Missouri. Lifetime Learning Center

Appraisal Foundations II - Completed and passed
July 1998, Springfield, Missouri. Lifetime Learning Center

Appraisal Foundations III - Completed and passed
September 1998, Springfield, Missouri. Lifetime Learning Center

How The National Flood Insurance Program Works -
Completed December 6, 2000, Jefferson City, Missouri
Missouri Real Estate Appraisers Commission.

USPAP Update - Completed June 2000, Lowman and Company, Sharon K. Lowman,
MAI, SRA instructor, Lake Ozark, Missouri.

How To Do A FHA Appraisal - Completed June 2000, Lowman and Company,
Sharon K. Lowman, MAI, SRA instructor, Lake Ozark, Missouri.

PROFESSIONAL AFFILIATIONS
Bagnell Dam Association of REALTORS

PROFESSIONAL CERTIFICATIONS
Certified Residential Real Estate Appraiser, State of Missouri Real Estate Appraisers Commission, Certificate # 1999140236