DANIEL B. HUMPHREY

EXPERIENCE:                  ADVANTAGE APPRAISAL SERVICES, LLC

                                        5401 VOGEL ROAD, SUITE 230

                                        EVANSVILLE, IN 47715

                                        AUGUST 2003 TO PRESENT

                                       APPRAISAL ASSOCIATES OF SOUTHERN INDIANA

                                       101 COURT STREET, SUITE 104

                                       EVANSVILLE, IN  47708

                                       AUGUST 1999 TO AUGUST 2003

                                        APPRAISAL CONSULTANTS, INC.

                                        4601 BAYARD PARK DRIVE

                                        EVANSVILLE, IN  47714                               

                                        JULY 1992 TO AUGUST 1999

LICENSED:                   CERTIFIED RESIDENTIAL APPRAISER, STATE OF INDIANA

                                    NO. CR69201505

                                    FHA APPROVED APPRAISER

EDUCATION:                 PURDUE UNIVERSITY,  INDUSTRIAL ENGINEERING            1981-1983

                                    UNIVERSITY OF SOUTHERN INDIANA

                                       B. S.  DEGREE IN BUSINESS                                           1983-1986

PROFESSIONAL

EDUCATION:                 SUCCESSFULLY COMPLETED THE FOLLOWING APPRAISAL COURSES:

                                         RESIDENTIAL PROPERTY CONSTRUCTION & INSPECTION           2003

                                         USPAP CASE STUDIES                                                                2002

                                         INDIANA APPRAISER STATUTES &  RULES                                  2002

                                         STANDARDS OF PROFESSIONAL PRACTICE                                2001

                                         SURVEYING & LEGAL DESCRIPTIONS                                          2001

                                         APPRAISALS FORMS 2055 & 2065                                                2001

                                         RESIDENTIAL SALES COMPARISON LOGIC                                  2001

                                         MANUFACTURED HOUSING                                                          1999

                                         FHA & THE APPRAISAL PROCESS                                               1999

                                         RESIDENTIAL COST ESTIMATING                                                 1998

                                         SPECIAL PURPOSE PROPERTIES                                                1996

                                         APPRAISAL REVIEW PROCEDURES                                            1995

                                         APPRAISAL PRACTICES FOR LITIGATION                                     1995

                                         BASIC RESIDENTIAL HUD APPRAISAL REQUIREMENTS               1994

                                         FINANCIAL ANALYSIS OF INCOME PROPERTIES                          1993

                                         INTRODUCTION TO CONDEMNATION APPRAISING                        1993

                                         APPRAISING SMALL RESIDENTIAL INCOME PROPERTIES           1991

                                         APPPLIED RESIDENTIAL PROPERTY VALUATION                       1991

PROPERTIES

APPRAISED:                RESIDENTIAL, 2-4 FAMILY, CONDOMINIUMS, AND VACANT LAND

                                       SMALL COMMERICAL PROPERTIES

GEOGRAPHIC

AREAS:                        VANDERBURGH, WARRICK, POSEY, GIBSON, & SPENCER COUNTIES IN INDIANA