EXPERIENCE
Present: Owner-appraiser, Graham & Associates Real Estate Appraisers & Consultants, Inc., serving Central Texas and surrounding areas.

November 1, 1986 to January, 1989: I was Vice President of American Realty Analysts and manager/appraiser of American Realty Analysts, San Marcos, Texas.

July, 1986 to November, 1986: I worked as a fee appraiser in Austin and San Marcos with Larry Riddell Company. My work consisted primarily of residential appraisals, with some commercial work.

February, 1985 to July, 1986: I worked for Murray Mortgage Company as Vice President and Austin Area Manager with offices in both Austin and Killeen. I was responsible for originating and closing $28 million in residential loans in 1985. I was also an FHA Direct Endorsement Underwriter.

December, 1981 to February, 1985: I worked for Lumbermen's Investment Corporation as Vice President and Austin Manager. I originated $36 million in residential loans in 1984.

February, 1976 to December, 1981: I worked for University Savings Association as Assistant Vice President and loan officer.

EDUCATION
Crockett High School, Austin, Texas, graduated in June of 1971.
Texas State University, San Marcos, Texas. Graduated in 1975 with a B.B.A. degree.

APPRAISAL COURSES
I have taken and completed Course 1-A, the American Institute of Real Estate Appraisers; Appraising Real Estate, Academy of Real Estate; Contract Review and Real Estate Finance, Real Estate Investments, and Property Management, Baylor University; Professional Practices and Ethics, Capitalization Seminar, Eminent Domain Seminar, Society of Real Estate Appraisers. FNMA Seminar for residential appraising, San Antonio Mortgage Bankers Association, and Associates Relocation Company seminar for real estate appraisers, FHA and The appraisal Process, Valuation of detrimental conditions, How to Appraise for FHA, Appraisal Institute Course 430 Standards of Professional Practices Part C, Business Practice & Ethics, USPAP update 2003, Eminent Domain Seminar, Road Less Traveled-Special Purpose Properties, Real Estate Fraud.

I have successfully completed the Standards of Professional Practices, Part A, B and C given by the Appraisal Institute.

AFFILIATIONS
I currently hold the designations of Certified Real Estate Appraiser, Certified Commercial Real Estate Appraiser, Senior Member with the Association of Real Estate Appraisers, Certified Review Appraiser and Registered Mortgage Underwriter, Senior Member with the National Association of Review Appraisers and Mortgage Underwriters. I am currently an Associate Member with the Appraisal Institute.

I am a State of Texas Certified General Real Estate Appraiser, Certificate Number TX-1322056-G.

I currently hold a Texas Broker's License and am a member of the San Marcos Area Board of Realtors, Austin Board of Realtors, New Braunfels/Canyon Lake Area Board of Realtors, Seguin Board of Realtors, Texas Association of Realtors, and National Association of Realtors. I am a former President for the San Marcos Board of Realtors. I am also a member of the Austin Mortgage Bankers Association.

PROPERTY TYPES APPRAISED/GEOGRAPHIC AREA SERVED
I have appraised all types of commercial, residential and vacant land properties, as well as subdivisions, mixed-use developments and eminent domain acquisitions. My work encompasses Travis and all surrounding counties in central Texas, including Bastrop, Bexar, Blanco, Burnet, Caldwell, Comal, Gonzales, Hays, Lee, Williamson and Wilson.

BUSINESS REFERENCES

DATA SOURCES AND COMPUTER SOFTWARE
Data is obtained through various MLS memberships, CAD information and conversations with buyers, sellers and agents in the areas in which appraisal work is performed. Flood Zone data is obtained from an extensive library of maps printed by the Federal Emergency Management Association, and on microfiche. Our computer capabilities include Lotus 1-2-3, Excel, Total 2000, and Microsoft Word, which are updated as new versions become available.