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APPRAISER QUALIFICATIONS -

DEBORAH L. DESMIT

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


EDUCATIONAL BACKGROUND

Graduate - Kewanee Public High School, Kewanee, Illinois.

Attended - Western Illinois University, Macomb, Illinois.


PROFESSIONAL TRAINING

Uniform Standards of Appraisal Practice -
February 1998, Sedalia, Missouri. Lowman and Company National
Real Estate Appraisal School, Sharon Lowman, MAI, SRA, instructor.

Principles of Residential Real Estate Appraising -
July 1998, Springfield, Mo. National Association of Independent
Fee Appraisers.

Market Data Analysis of Residential Real Estate Appraising -
July 1998,Springfield, Mo. National Association of Independent
Fee Appraisers.

Report Writing of Residential Real Estate Appraising -
July 1998, Springfield, Mo. National Association of Independent
Fee Appraisers.

FHA Appraising Today -
May 2003, Virtual Classroom, McKissock, Inc.

FHA Exam PreparationJune 2003, Virtual Classroom, McKissock, Inc.

Fair HousingJune 2003, Virtual Classroom, McKissock, Inc.

PROFESSIONAL CERTIFICATIONS

Licensed Real Estate Appraiser, Missouri Real Estate Appraisers
Commission, November 1999 License # 1911136994


PROFESSIONAL AFFILIATIONS

Audrain County Board of REALTORS

BUSINESS AND OTHER RELATED EXPERIENCE

Co-owner Excel Construction Company