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APPRAISER QUALIFICATIONS -

ZACHARY A. HERRING

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

EDUCATIONAL BACKGROUND

Graduate, Fulton High School, Fulton, Missouri

BS Wildlife Conservation and Management,
Southwest Missouri State University, Springfield, Missouri, June 1995.


APPRAISAL RELATED COURSES AND SEMINARS

Foundations of Real Estate Appraisal - Completed and passed, 1997,
Sedalia, Missouri. Lowman and Company National Real
Estate Appraisal School, Sharon Lowman, MAI, SRA, instructor.

Uniform Standards of Appraisal Practice - Completed and passed, 1997,
Sedalia, Missouri. Lowman and Company National Real Estate
Appraisal School, Sharon Lowman, MAI, SRA, instructor.

Appraising the Single Family Residence - Completed and passed, 1998,
Sedalia, Missouri. Lowman and Company National Real Estate
Appraisal School, Sharon Lowman, MAI, SRA, instructor.

FHA Exam Prep Session - Completed and passed, February 2000,
Columbia, Missouri. Lowman and Company National Real Estate Appraisal
School, Sharon Lowman, MAI, SRA, instructor.

How To Do A FHA Appraisal - Completed and passed, February 2000,
Columbia, Missouri. Lowman and Company National Real Estate Appraisal
School, Sharon Lowman, MAI, SRA, instructor.

Appraising Manufactured And Mobile Housing -Completed and passed,
November 2000, Boonville, Missouri. Lowman and Company National Real
Estate Appraisal School, Sharon Lowman, MAI, SRA, instructor.

National USPAP Update - January 31, 2001, Columbia, Missouri. Lowman and Company National Real Estate Appraisal School, Sharon Lowman, MAI, SRA, instructor

Two-Four Unit Residential Case Study October 2001, Sedalia, Missouri.
Lowman and Company National Real Estate Appraisal School, Sharon
Lowman, MAI, SRA, instructor

NFIP - 2002 - April 9, 2002, Reform, Missouri. Johnson County Community College

National USPSP Update - January 2003, Columbia, Missouri
Lowman and Company National Real Estate Appraisal School, Sharon
Lowman, MAI, SRA, instructor

Forms Semiar - June 19, 2003, Lake of the Ozarks, Missouri. Lowman and Company National Real Estate Appraisal School.

PROFESSIONAL CERTIFICATIONS

Missouri State License Exam - passed March 1999.

Certified Residential Real Estate Appraiser, June 1999
Certification # RA 003358

FHA Lenders Selection Panel

Missouri Association of Realtors - 2003

National Assocation of Realtors - 2003

PROFESSIONAL AFFILIATIONS
East Central Board of Realtors