QUALIFICATIONS OF LU M. KUMMEROW

The D. L. Evans Company, Inc. is an independent real estate company that specializes in providing expert real estate advisory services. Areas of expertise include real estate valuation, counseling, brokerage, and development. The company work products include narrative and form appraisal reports, written and oral appraisal consultations, general real estate consulting assignments, land planning, expert witness services and litigation support.

Experience
Ms. Kummerow has been employed by the D. L. Evans Company, Inc., since 1992, developing expertise in residential real estate appraising and real estate consultation. She is the supervisor of the company's residential appraisal department. She has been a licensed real estate salesperson in the state of Wisconsin since 1976, and has been involved in a variety of residential transactions.

Prior to coming to the D. L. Evans Company, Ms. Kummerow worked as a real estate sales associate in Madison, Wisconsin, for 16 years. She worked with Badger Realty Inc. from 1976 to 1986 and with Century 21 from 1986 through 1991.

Licenses, Designations and other Qualifications
Certified Residential Real Estate Appraiser - State of Wisconsin
Licensed Real Estate Salesperson - State of Wisconsin
Qualified to perform FHA Appraisals

Education
Real Estate Appraisal I, II, and Standards of Professional PracticeBMATC, 1991
B.A. in English and Education at the University of Wisconsin, Whitewater, WI
Attended numerous courses sponsored by the University of Wisconsin - Madison, Appraisal Institute, Wisconsin Realtors Association and other organizations to fulfill ongoing educational requirements for the State of Wisconsin and organizations of which Ms. Kummerow is a member.

Professional Organizations
South Central Wisconsin Multiple Listing Service, Madison, WI
Wisconsin Realtors Association
Wisconsin Realtors - Appraisal Section
National Association of Realtors

Clients
The D.L. Evans Company provides real estate services for a variety of client types including local, regional and national lending institutions, life insurance companies, pension funds, medical institutions, large and small
corporations, equity investors, public institutions, non-profit and religious organizations, estates, private individuals, and government agencies at the local, county, state and national levels.