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APPRAISER QUALIFICATIONS -

JANET A. LYONS

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

PRIOR APPRAISAL RELATED EMPLOYMENT
Real Estate Appraiser, Lyons Appraisal Service, Dixon, Missouri 1987-1991
Real Estate Appraiser - Supervisory Appraiser
Appraisal Services of Wisconsin, 1991-1997
Contract Appraiser - State of Wisconsin Dept of Transportation, 1991-1997

EDUCATIONAL BACKGROUND
Attended, University of Missouri, Columbia, Missouri

PROFESSIONAL TRAINING

Commercial Narrative Appraisal Seminar - CMSU, 1987
Single Family Property Appraisal - NAREA, 1990
Standards of Professional Practice - NAREA, 1991
Residential Appraisal I, Fox Valley Technical School, 1992
Wisconsin Association of REALTORS Appraisal Conference
Continuing Ed.Seminar 1992
Wisconsin Association of REALTORS Appraisal Conference
Continuing Ed.Seminar 1993
Wisconsin Association of REALTORS Appraisal Conference
Continuing Ed.Seminar 1994
Wisconsin Association of REALTORS Appraisal Conference
Continuing Ed.Seminar 1996
Elementary Income Capitalization-Methods and Techniques, 1995
Environmental Considerations for the Appraiser, 1997
Uniform Standards of Professional Appraisal Practice Update
University of Missouri, 1997
FHA Appraising: Changes & Trends, September 1999
Uniform Standards of Professional Appraisal Practice Update
Lifetime Learning, Springfield, Missouri, February 2000.
Flood Plain Management, State Emergency Management Agency
October 2000
USPAP Update McKissock, Inc., Completed 2002
FHA Appraising Today McKissock, Inc., Completed 2002

PROFESSIONAL CERTIFICATIONS

Certified Residential Real Estate Appraiser, State of Missouri Real Estate
Appraisers Commission, Certification # RA 001762.

FHA Lender's Selection Panel

VA Fee Appraiser Panel
Formerly ( 1991 - 1997 ) State Certified Residential Real Estate Appraiser,
State of Wisconsin

PROFESSIONAL AFFILIATIONS

South Central Board of REALTORS