Professional Affiliations: Member of Appraisal Institute - MAI Number 10118

Education and Licenses: University of Oklahoma (1981-1984); University of Texas at Dallas Bachelor of Science in Business Administration - 1986; Texas Real Estate Broker - License Number 381518; Texas - State Certified General Real Estate Appraiser - Certificate Number TX-1322747-G.

Real Estate Courses and Credits: Appraisal Institute Courses: Real Estate Appraisal Principles Exam 1A-1/8-1, Basic Valuation Procedures - Exam 1A-2, Standard of Professional Practice - Exam SPP, Capitalization Theory and Tech Part A - Exam 1B-A, Capitalization Theory and Tech Part B Exam 1B-B, Case Studies in Real Estate Valuation - Exam 2-1, and Report Writing and Valuation Analysis - Exam 2-2.  150 classroom hours of real estate courses which include Principle Practices of Real Estate and Real Estate Appraisal, Real Estate Finance, and Real Estate Law.

Real Estate Experience: 1994 to Present - Owner of Apex Valuation, Inc.; 1985 to 1994 Contract Fee and Review Appraiser for several area appraisal firms.  Experience includes the valuation of apartment communities, office buildings, retail/shopping centers, restaurants, convenience stores, office/warehouses, hotels, motels, mobile home parks, vacant land and multi-use developments, churches, automotive lubricant facilities, mini-warehouses, day care facilities, retirement centers, boat storage facilities, condominiums, townhouses, duplexes, and single family residential dwellings.

Representative Clients (Partial Listing):
Haginas & Chapman	The American National Bank	Lehman Brothers
NREIS	Regions Bank	Meridian Bank
Bank of Oklahoma	Texas Bank	World Savings
Bank of America	Northern Trust Bank	Compass Bank
Wells Fargo	First Bank	Chase Bank
Alliance Bank	Bank of Texas	Jefferson Bank
Approved Residential Mortgage Lenders (Partial Listing):
Prime Lending	CTX Mortgage	Bank of America
Countrywide Home Loans	World Savings	HUD (FHA)
Colonial Mortgage	First Security Savings	VA
Alliance Mortgage	Hamilton Financial Corp.	Option One Mortgage
Home Trust Company	Associates National	Corinthian Mortgage
Maverick Mortgage	Quality Mortgage USA	Flagstar Bank
Chase Manhattan	Mortgage Authority	Fleet Mortgage
Banksource Mortgage	TexasLending.com	Home Mortgage Corp.
Texas Residential Mortgage