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Instructor, For Minnesota Association of Assessing <br /> Officers, Appraisal Techniques In Valuing Elderly <br /> High Rise Housing and Industrial Property 1992 <br /> • CERTIFICATION STATUS <br /> "The National Association of Independent Fee Appraisers has a mandatory <br /> program of continuing education for designated members. Those who <br /> meet the minimum standards of the program are considered to have <br /> recertified." Kenneth J. Panger is certified under the program through <br /> December 31, 1996 and holds the IFA designation, #3400 and a Senior <br /> Designation No. 1164. <br /> EXPERIENCE <br /> 1960 - 1973 Northwest Paper Company of Cloquet, Industrial <br /> Instrumentation, <br /> 1973 - 1979 Owner and Manager of Finn Am Corporation Retail Import <br /> Business With Five Retail Outlets. <br /> 1980 - 1986 Broker/Appraiser Miller Real Estate <br /> 1987 - Pres. Senior Appraiser Panger/Benson Appraisal Professionals <br /> APPRAISAL ESPOIENCE <br /> specialization in Multi-Family Housing, Commercial, Industrial, <br /> appraisal problems involving litigation, feasibility analysis, highest <br /> and best use studies. <br /> • Instructor, Appraisal Techniques. <br /> Expert witness testimony given in Stearns, Benton, Sherburne, St. <br /> Louis, and Carlton, Mille Lacs, Otter Tail, and McLeod Counties and in <br /> Federal Bankruptcy Court, Minneapolis, MN. <br /> Review Appraiser, County of Crow Wing, Minnesota DNR, and City of St <br /> Cloud, Minnesota. <br /> PARTI TI LIST OP APPRAISAL CLIENTS <br /> First American National Bank, First Bank St. Cloud, Zapp National <br /> Bank, and Zapp Bank Trust Department, Norwest Bank, St. Cloud, Sauk <br /> Rapids, and Minneapolis, Metropolitan Federal of St. Cloud, St. Cloud <br /> National Bank and Trust Company, Liberty Loan & Thrift Corporation, <br /> Kraft Inc. , Minnesota Department of Trade and Economic Development, <br /> Ashland Oil Company, Mardian Minerals Company, IFG Leasing, Benton, <br /> Stearns, Mille Lacs County Highway Departments, Wright County Rail <br /> Authority, Otter Tail County Attorney, Mille Lacs County Attorney, <br /> Insty Prints, Inc. , Viking Coca Cola of St. Cloud, Minnesota Power, <br /> Duluth, City of St., Cloud, City of Sauk Rapids HRA, St. Cloud Downtown <br /> Development Corporation, St. Cloud School District, Sauk Rapids School <br /> District, Becker School District, City of Becker, City of Litchfield, <br /> wcI Industries, host Bros. , Inc. , Carlton County, McLeod County, Polk <br /> County, Minnesota Department of Natural Resources, The law firm of <br /> Robins, Kaplan, Miller, Ciresi, and many local attorneys. <br /> • <br /> TYPES OP APPRAISAX, AS$IGNNEETS <br /> Multi-family housing, Title II, Section 8, single Family Residential, <br /> Student Housing, Solid Waste Landfill Sites, existing or proposed, <br />