EMPLOYMENT

Feb 1999 - Present Kendall Appraisal Group, Inc.; President

1993 - Feb 1999 Professional Appraisal Services Corp;

                        President

1983 - 1992 R. E. Kendall & Associates; Owner -

                        Fee Appraiser and Consultant

1971 - 1983 Peoples Federal Savings and Loan;

                        Vice President and Chief Appraiser

1969 - 1971 State of Ohio, Department of Transportation; Review and Staff Appraiser

EDUCATION

-University of Akron, Associate Degree of Commerce, 1969

-American Institute of Real Estate Appraisers Courses - I & II

-Appraisal Institute Courses - 510, SPP A, B & C, 410, 420, 430

-Society of Real Estate Appraisers Courses - 101, 102, 201, 202

PROFESSIONAL DESIGNATIONS EARNED

-MAI - Member, Appraisal Institute, 1995

-SRA - Senior Residential Appraiser, 1976

REAL ESTATE APPRAISAL INSTRUCTOR

-Real estate appraisal course instructor since 1974 for the Appraisal Institute, the Society of Real Estate Appraisers, Ohio State University and the University of Akron

-Society of Real Estate Appraiser Courses - 101, 102, and several seminars

-Appraisal Institute Courses - 1A1, 1A2, 110, 120, 210, 410, 420, 430, and several seminars

PROFESSIONAL ORGANIZATIONS

-President - Northern Ohio Chapter, Appraisal Institute, 1996

-Committee Member - Body of Knowledge & Admissions, AI, RAB, 1996 & 1997

-Committee Member - Education Committee, Appraisal Institute, RAB, 1994 - 1997

-Affiliate Member - Wayne County Board of Realtors

STATE CERTIFICATION - GENERAL APPRAISER

State of Ohio, Certified Real Estate Appraiser, General Appraiser, Classification GA.

EXPERT COURT TESTIMONY

-Wayne County Court of Common Pleas, Wooster, Ohio

-Wayne County Court of Common Pleas Probate Div., Wooster, Ohio

-U.S. Federal District Bankruptcy Court; Canton, Ohio

-U.S. District Court for the Northern District of Ohio; Akron, Ohio

CLIENTS

Numerous financial institutions, government entities, various individuals and attorneys.