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APPRAISER QUALIFICATIONS -

Elaine Kinkade

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

EDUCATIONAL BACKGROUND

Graduate - Fulton High School, Fulton, Missouri

Attended- William Woods College, 1978-1980


PROFESSIONAL TRAINING

Uniform Standards of Professional Practice -
Completed and passed July 2000, National Association of
Independent Fee Appraisers, St. Louis, Missouri

Financial Analysis of Income Properties –
Completed and passed February, 2001, National Association of
Independent Fee Appraisers, St. Louis, Missouri

Market Data Analysis of Residential Real Estate Appraising
Completed and passed February, 2001, National Association of
Independent Fee Appraisers, St. Louis, Missouri

Principles of Residential Real Estate Appraising
Completed and passed March, 2001, National Association of
Independent Fee Appraisers, St. Louis, Missouri

National USPAP Update Course
Completed and passed March 2003
The Appraisal Foundation, Columbia, Missouri

On-Site Sewage Systems
University Outreach and Extension, Mexico, Missouri

PROFESSIONAL AFFILIATIONS

Member of The National Association of Independent Fee Appraisers, 2000
East Central Board of REALTORS
Northeast Central Board of REALTORS
Missouri Association of REALTORS
National Association of REALTORS

PROFESSIONAL CERTIFICATIONS

Licensed Real Estate Appraiser, Missouri Real Estate Appraisers Commission
License # 2001024786

FHA Lender's Selection Panel