Kelly Zevenbergen

Statement of Qualifications

Mr. Kelly Zevenbergen has been in the real estate appraisal business in the Central Valley since 1987. He is currently an appraiser of Correia - Xavier, Incorporated, an independent appraisal firm specializing in the appraisal of agricultural properties. Mr. Zevenbergen is certified by the state of California as a Certified General Real Estate Appraiser, Certificate Number #AG009979, with an expiration date of October 19, 2008.

Professional Education ___________________________________________________________________  

• Bachelor of Science Degree – Business Administration, California State University, Fresno - 1989
• American Society of Farm Managers and Rural Appraisers (ASFMRA) :Uniform Standards of Professional Appraisal Practice (USPAP), various seminars
• Appraisal Institute : An Introduction to Appraising Real Property, Capitalization Theory and Techniques, Part A, Capitalization Theory and Techniques, Part B, Standards of Professional Practice, Part A, Standards of Professional Practice, Part B, Highest and Best Use and Market Analysis, Advanced Sales Comparison and Cost Approaches, various seminars
• Other : Real Estate Appraisal, Real Estate Principals, Real Estate Finance, Real Estate Practices, Farm and Ranch Appraisal, Agriculture Finance, Property Management.

Appraisal Experience ____________________________________________________________________  

Mr. Zevenbergen has over 20 years of appraisal related experience and has appraised, and assisted in appraising, various commercial, industrial, residential, and agricultural properties in narrative and form format throughout the Central Valley and Central Coast of California. Mr. Zevenbergen has appraised, or assisted in appraising, for numerous clients including the State of California, Bank of the West, Silicon Valley Bank, Santa Barbara Bank and Trust, Heritage Oaks Bank, American Farmland Trust, San Joaquin River Parkway and Conservation Trust, American Farmland Trust, City of Fresno, County of Fresno, City of Madera, County of Madera, Federal Land Bank Fresno-Madera, Capital Agricultural Property Services, Farmers Home Administration, Bank of America, Imperial Thrift and Loan, Union Bank, Wells Fargo Bank, Clovis Community Bank, Metmoor Financial, Community Hospitals of Central California, Metropolitan Life Insurance Company, The Trust for Public Land, and Fresno Metropolitan Flood Control District, plus numerous additional lenders, attorneys, corporations, non-profit entities, and individuals.

• Appraiser - Self Employed -- May 1998 to Present
• Appraiser - Hamilton and Associates -- April 1990 to May 1998
• Appraiser – Charles Tingey Associates – December 1988 to April 1990
• Appraisal Researcher - Charles Tingey Associates – January 1987 to December 1988

Appraisal Clients _________________________________________________________________________  

Mr. Zevenbergen has appraised or assisted in appraising properties, on a fee basis, for a broad spectrum of clients, including federal, state, and local government agencies, major local, national and international banks, major insurance companies, pension funds, pension fund advisors, and numerous attorneys, accountants, corporations, and individuals.

Supplementary Information ______________________________________________________________

• Associate member of the American Society of Farm Managers and Rural Appraisers