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APPRAISER QUALIFICATIONS -

BRIAN D. HOLDEN

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

EDUCATIONAL BACKGROUND

Graduate - University of Missouri-Columbia, BS in Agriculture

PROFESSIONAL TRAINING

Uniform Standards of Professional Practice
2002, National Association of Independent Fee
Appraisers, St. Louis, Missouri

Appraising Manufactured and Mobile Housing, September 16, 2003,
Lowman & Co., Booneville, Missouri

National USPAP Update, January 31, 2003, The Appraisal Foundation, Columbia, Missouri

Appraising Manufactured and Mobile Housing, September 16, 2003,
Lowman & Co., Booneville, Missouri

How To Do An FHA Appraisal, December 15, 2003, Lowman & Co., Sedalia, Missouri

FHA Exam Prep Session, December 16, 2003, Lowman & Co., Sedalia, Missouri

PROFESSIONAL CERTIFICATIONS

Licensed Real Estate Appraiser, Missouri Real Estate
Appraisers Commission License # 2002028165

PROFESSIONAL AFFILIATIONS

Audrain County Board of REALTORS
Missouri Association of REALTORS
National Association of REALTORS