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APPRAISER QUALIFICATIONS -

KAMLA R. PAYNE

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

EDUCATIONAL BACKGROUND

Graduate - New Bloomfield High School, New Bloomfield, Mo.

Attended - Southwestern Missouri State University, 1982-1983

Graduate - Nichols Career Center, Jefferson City, Mo 1983-1985

Graduate - Phil Gardner School of Real Estate, January 1994
Licensed Real Estate Agent, March 1994


PROFESSIONAL TRAINING

Foundations of Real Estate Appraisal -
November 1997, Lowmman & Co., Sedalia, MO

Uniform Standards of Professional Appraisal Practice -
October 1998, Lifetime Learning Institute, Springfield, Mo.

Appraisal Foundations II -
November 1998, Lifetime Learning Institute, Springfield, Mo.

Appraisal Foundations III -
December 1998, Lifetime Learning Institute, Springfield, Mo.

Appraisal Foundations IV -
December 1998, Lifetime Learning Institute, Springfield, Mo.

Appraisal Foundations V -
December 1998, Lifetime Learning Institute, Springfield, Mo.

SEMINARS AND SHORT COURSES
December, 2000, National Flood Insurance Program

January 2001, Uniform Standards of Professional Appraisal Practice Update

April 2002, McKissock Facotry-Built Housing

April 2002, MREAC Rusles & Regulations

March 2003, National Flood Insurance Program

September 2003, Missouri Association of Realtors, Environmental Hazards

September 2003, Missouri Association of Realtors, Mold, Mildew Intrusion

PROFESSIONAL AFFILIATIONS
Jefferson City Area Board of REALTORS
Missouri Association of REALTORS
National Association of REALTORS

PROFESSIONAL CERTIFICATIONS

Certified Residential Real Estate Appraiser, Missouri Real Estate
Appraisers Commission, License No. 2000152055