QUALIFICATIONS of the APPRAISER

EXPERIENCE:
President The BENCHMARK Group, Inc. 01/04 - Present

Licensed Salesperson The BENCHMARK Group, Inc. 06/95 - Present

Supervisory Appraiser The BENCHMARK Group, Inc. 08/93 - Present

Corporate Officer – Chief Appraisal Reviewer
Supervising 20+ staff members & 50+ Appraisers in 7 Offices, performing approximately 15,000 appraisal assignments annually throughout all of Georgia & Portions of Alabama & South Carolina

Associate Appraiser The BENCHMARK Group, Inc. 06/90 – 08/93

More than 28000 hours appraisal experience including:
Fieldwork, research, appraisal preparation, Training of Registered Appraisers, Real Estate & Appraisal Consulting, High dollar residences, Courtroom Testimony & extensive Appraisal Review experience Including Foreclosures & Fraud Mitigation. 388 Hours Classroom education.

EDUCATION:
The University of Georgia - Graduated 06/92 - Bachelor Business Administration

Georgia Center for Continuing Education (UGA)
Real Estate Sales I - Completed 08/88
42 Hour Course for Real Estate Licensure

Atlanta Area Technical School
Residential Real Estate Appraisal Course - Completed 7/92
75 Hour Course required for Registration & Licensure

Barney Fletcher Schools
Uniform Standards of Professional Appraisal Practice - 8/94
15 Hour Course for Continuing Education & Residential Certification

Lee & Grant Company
Advanced Problem Solving in Residential Real Estate - 12/94
30 Hour Course for Residential Certification - 1st in class
Appraising 1 to 4 Family Residential Rentals - 10 Hours - 8/96

Georgia Institute of Independent Real Estate Study
Salesperson Prelicense Course - 75 Hours - 5/95
Advanced Topics for New Agents - 25 Hours - 6/96

Dargan, Whitington & Maddox
Continuing Education for Residential Appraisers - 10 Hours - 8/97

NARA/MU Conference & Expo - 16 Hours - 10/97
Reviewing the URAR - 2 Hours/Cost Estimating for Repairs - 2 Hours/
Appraisal of Unusual Homes - 2 Hours/Methods & Procedures of Eminent
Domain Appraisals - 2 Hours/Evaluation of Easements - 2 Hours/ Small
Hobby Farm Appraisals - 2 Hours/Fannie Mae - What's New - 2 Hours/
Internet & Real Estate Professionals - 2 Hours

Savannah Area Chapter of the Appraisal Institute
Appraisal Office Management - 7 Hours - 05/98
Imminent Domain & Condemnation Appraising - 7 Hours- 05/98


The Real Estate Information Management School - John Bryant
Appraising FHA Properties I - 7 Hours - 08/99
Appraising FHA Properties II - 7 Hours - 08/99
Home Inspections I – 7 Hours – 08/2000
Home Inspections II – 7 Hours – 08/2000
FHA Update – 7 Hours – 02/2003
USPAP 2003 – 7 Hours – 08/2003

MLS Training Institute – CD Based Training
Methods of Residential Financing – 6 Hours – 08/2001
Pricing Property to Sell – 6 Hours – 08/2001
ADA and Fair Housing – 3 Hours – 08/2001

McKissock Data Systems – Online Training
USPAP 2002 – 7 Hours – 08/2002
Construction Details & Trends – 7 Hours – 08/2002

Bailey Academy – Joyce Bailey
USPAP 2004 – 15 Hours + Examination – 08/2004

Numerous FNMA, HUD, FMHA, Freddie Mac Seminars & presentations administered through Atlanta HOC and various national organizations and Expos in Orlando & Las Vegas.

PROFESSIONAL AFFILIATIONS & LICENSES:
Georgia State Certified Residential Real Property Appraiser #003781
North Carolina State-Certified Residential Real Estate Appraiser #A5333
South Carolina State Certified Residential Real Estate Appraiser #CR4798
Alabama Certified Residential Real Property Appraiser #R00715
Tennessee Certified Residential Real Estate Appraiser #3283
Designated Member NARA/MU - Certified Review Appraiser - CRA #20126
Georgia Real Estate Sales License S172655
Member of National, Georgia and Cobb Association of REALTORS
Member of HUD Lender Selection Roster GA3781 - Exam Passed 1/2000

QUALIFICATIONS OF THE APPRAISER

EXPERIENCE:
Senior Appraiser, THE BENCHMARK GROUP, Inc. 07/89-Present.
Over fifteen years experience in various Real Estate and Appraisal activities.

EDUCATION:
Bachelor's Degree- Industrial Engineering Technology- 07/74, Southern Technical Institute, Marietta, GA.

Real Estate License Course- 105 Hours- 06- 09/86, Atlanta School of Real Estate.

Residential Real Estate Appraisal- 75 Hours- 07/87, National College of Real Estate Appraisal, Atlanta, GA.

Advanced and Commercial Appraisal- 90 Hours- 06/89, Atlanta Area Technical School, Atlanta, GA.

Appraisal Examination Prep Courses- 25 Hours- 11/90, Appraisal Institute.

Standards of Professional Practice- 15 Hours- 01/92, Appraisal Institute.

Appraising Two to Four Family Properties- 10 Hours- 05/93., Lee & Grant Real Estate Appraisal School

Real Estate Brokerage Course- 60 Hours- 07/93, Barney Fletcher Real Estate School, Atlanta, GA.

Principles of Mortgage Finance- 40 Hours- 06/94, Capstone Institute of Mortgage Finance.

C.O.D.E.- 10 Hours- 08/95 (CABO One and Two Family Dwelling Code, 1992 Edition), William W. Sharp

From the Appraiser to the Underwriter- 10 Hours- 09/96, Lee & Grant Real Estate Appraisal School.

Appraisal Office Management - 7 Hours - 05/98, Savannah Area Chapter of the Appraisal Institute
Imminent Domain & Condemnation Appraising - 7 Hours- 05/98, Savannah Area Chapter of the Appraisal Institute

1998 Appraisal Expo & Conference - 18 Hours - 11/98, National Association of Real Estate Appraisers

Appraising FHA Properties I & II - 14 Hours - 09/99, The Real Estate Information Management School

PROFESSIONAL AFFILIATIONS, DESIGNATIONS, CERTIFICATIONS AND LICENSES:
RAA- Residential Accredited Appraiser #55.
GAA- General Accredited Appraiser #45.
National Association of REALTORS- Real Estate Appraisal Section Founding Member
CRA- Certified Review Appraiser #19757.
National Association of Review Appraisers and Mortgage Underwriters.
Affiliate Member- Appraisal Institute.
Member Atlanta Board of REALTORS.

FHA Fee Roster # GACG000084 (Exam Passed 1/2000)

Georgia Real Estate Broker's License #Q152725.