QUALIFICATIONS OF THE APPRAISER
                                                       JOAN CULLEN 

Personal - Born in Boston, Massachusetts on December 23, 1961 and currently resides at 54 North Street, Topsfield, Massachusetts  01983. 

Education - Attended University of New Hampshire, Durham, NH from 1979 to 1982; obtained a BS Degree in Community Development. 

Attended Boston University School of Law, Boston, MA from 1984 to 1987;  obtained a JD. Admitted to Massachusetts Bar in December 1987 and New Hampshire Bar in May 1988.

 Appraisal Education

SREA Course 101 - "Introduction to Appraising Real Property" - 1983

SREA Course 102 - "Applied Residential Property Valuation" - 1984 

Capitalization Theory & Techniques, Part A  - 1991 

Capitalization Theory & Techniques, Part B - 1991 

Standards of Professional Practice, Part A - 1991 

Standards of Professional Practice, Part B - 1991 

Applied Income Property Valuation  - 1991 

Narrative Report Writing   - 1992 

General Experience

 Cullen Associates - Realtors/Appraisers - (1980‑1983 part time) - Assisted in preparing commercial appraisals, primarily for eminent domain purposes.  Duties included inspecting and describing the subject property, researching property history and legal title; gathering, verifying and analyzing comparable sales data and assisting in compiling the reports.