west coast florida chapter , 2011 rd the approach

2011 is passing quickly and will soon be history It has been an eventful year with the economy staggering along the stock mar-ket on a roller coaster financial markets remaining tight com-modity markets soaring and much of the world in economic political or social turmoil All of this directly or indirectly affects the real estate market in our area It makes our job more challenging as we try to interpret and interpolate this into a product that is mean-

ingful to our clients

In June I began my 40th year as a real estate appraiser I started young Much has changed over that time but one thing has not changed the need to provide clients with the high-

est quality product to help them make critical decisions

At the recent regional meetings in Las Vegas there was much discussion about the future of our profession and the future of the Appraisal Institute In the previous newsletter I spoke of the demographics of the organization The median age for designated members is 60 years for the MAI designation and 61 years for the SRA This means over the next dec-ade or two one half of our current members will likely be gone from the profession The National AI leadership recognizes this and is aware that the way we do business and will

do business in the future has changed

Decisions will have to be made about who we are and who we are going to be as we go forward These decisions will include evaluating and making policy on such things as desig-nation paths modes of education and alternatives to education and demonstration re-ports testing out of courses when previous education has already covered the material as

well as how and for whom we work

One thing that will likely stay the same is the purpose statement of the original AIREA ―Instilling Trust in Real Estate We do know that doing what we have always done the

way we have always done it will not get us where we want to be

We have to look at who we work for and how we do that work Traditionally the largest

users of our services have been lenders As we are all aware this user group now sees our

work product as a commodity to be obtained as quickly and as cheaply as possible In ad-

dition they are finding ways to eliminate the need for our product Sara Stephens MAI

President-Elect for the Appraisal Institute recently testified before the House Financial

Services Subcommittee on Investigations and Oversight that the Dodd-Frank Act passed by

Congress last year was not being properly implemented by federal regulators A copy of

her oral statement is included in the newsletter Her testimony is an example of how the

AI is working on our behalf

Decisions that are being made today will take several years to implement however as AI President Joe Magdziarz stated ―We like the cockroach will have to mutate to survive If we donlsquot positively address the rapidly changing world opportunists will fill the void and take our work While this may sound negative it should be viewed as an exciting opportunity for us to expand our services our membership and our knowledge base I hope you see this the same way an ―old guy like me does Our future is bright if we em-

brace it and go for the ride

I want to again thank you for supporting the chapter education offerings this year The

education committee has the largest task of any of the chapter committees They strive

to provide valuable educational offerings There are other ways to receive education

however there is nothing like the personal interaction of a classroom setting with a well-

qualified peer as an instructor Thank you committee members instructors Nancy and all

who attend and continue to make our education a success

(Continued next page)

Presidentrsquos Message Cliff Bowen SRA mdash 2011 Chapter President

3RD QUARTER 2011

2011 Officers amp Directors

President

Cliff Bowen SRA

Vice President

David Lemonde SRA

Secretary

Richard Tobias MAI

Treasurer

Woodman Herr MAI

Directors

Joseph Ayo MAI SRA

Michael Colias SRA

Michael Jonas MAI

Jennifer Marshall SRA

Ned Palmer Associate

Mary L Patterson SRA

Brad Saucier Associate

Don Saba SRA

Karen Goforth Ex Officio

Region X Representatives

Kathryn Candeloro

Kenneth Foltz MAI

Chris Finch MAI

David Lemonde SRA

Dan Richardson MAI

Curt Wheeler MAI

Brian Zamorski Associate

Committee Chairs

Admissions Curt Wheeler MAI

Associate Member Brian Zamorski

Bylaws Don Trask MAI

Finance Woody Herr MAI

Guidance Michael Jonas MAI

Education Karen Goforth MAI

Govt Relations Brad Saucier

Membership Bruce Cumming Jr

Newsletter Nancy Bachor

Public Relations Marilyn Hett

University Relations Bruce Cumming Jr

Executive Director

Nancy Bachor

Region X Officers

Joni Herndon SRA Chair

Shawn Wilson MAI Vice Chair

Tom Cowart MAI 3rd Director

Kenneth Foltz MAI Region X

Education Liaison Lauren Dowling Region X Executive Director

The Approach WEST COAST FLORIDA CHAPTER

THE APPROACH P AGE 2

When Thursday September 15 2011

Where Manatee Association of Realtors

10920 Technology Terrace

Lakewood Ranch FL 34211

wwwmanateerealtorsorg

Schedule of Events

830 AM - 500 PM 7-Hour CE Seminar - Analyzing Tenant Credit Risk

1130 AM - 100 PM Chapter meeting with buffet lunch amp guest speaker

Seminar Instructor John Underwood MAI

Meeting Speaker Charles Hackney Manatee County Property Appraiser

Chapter Meeting Program

Manatee County Property Appraiser Charles Hackney will address current trends with county property appraisers and how it affects property assessment in Manatee County Charlie has brought over 20 years of professional real estate appraisal experience to the Manatee County

Property Appraisers Office

He was elected to the position of Property Appraiser in 1992 and holds the Certified Florida Appraiser (CFA) designation from the Florida Department of Revenue He is a member and past president of the Florida Association of Property Appraisers a member of the International As-

sociation of Assessing Officers and he has also been an SRA Member of the Appraisal Institute from 1985 - 2004 Char-lie has committed himself to running the Property Appraisers Office as efficiently and in as cost-effective a manner as possible in order to save taxpayers money while at the same time providing the best possible quality service to our citi-

zens

Charles is a lifelong Floridian and attended Manatee Junior College and Florida State University He has served on the Manatee Community College Board of Trustees Kiwanis Club of Bradenton Board of Directors as past president and Man-

atee Community College Foundation He is a former Hernando DeSoto and Bradenton Jaycee member

To register for the chapter lunch meeting andor the above seminars go to wwwappraisalinstituteorgeducation

WestCoastFloridaaspx Reservations are required

Driving Directions to Manatee Association of Realtors - Traveling south on I-75 take Exit 220 and go east on SR 64 to Lakewood Ranch Boulevard Turn right on Lakewood Ranch Blvd and proceed to Technology Terrace on the right Trav-eling north on I-75 take Exit 217A and go east on SR 70 to Lakewood Ranch Boulevard Turn left on Lakewood Ranch

Boulevard to Technology Boulevard on the left All events will be held in the Conference Center Building

Nearby hotels Wingate by Wyndham Bradenton-Lakewood Ranch 5464 Lena Road Bradenton phone (941) 755-0055

Hotel is located at Exit 217 SR 70 There is a Holiday Inn Express at Exit 213 University Parkway (941) 782-4400

3rd Quarter Chapter Luncheon Meeting - Bradenton FL

Lunch Meeting Only - $25 Members | $30 Nonmembers

Registration Deadline September 10 2011

Advance Reservation Required

Questions wcoastfltampabayrrcom or call (813) 962-4003

Board of Directors meeting Tuesday September 13th at 3 PM mdash via conference call

Presidentrsquos Message (Continued)

Congratulations to all our newly designated members and new associates Congratulations to Alan Wilcox for recently

being named as the Appraisal Institute ―Volunteer of Distinction for Region X With the help of his wife Pat Alan has

served in chapter regional and national positions for many years

I look forward to seeing you at the next chapter meeting You are important to the future of our profession


The Education Committee has been busy this summer scheduling classes and seminars for 2012 I would like to acknowledge and thank the members of this committee - Don Saba SRA Wes Sanders MAI Ken Foltz MAI Sandy Adomatis SRA and Patricia Staebler SRA ndash for their commitment to delivering a balanced and first-rate schedule The committee hears and is responding to our membershiplsquos desire for more CHAL-LENGING seminars and classes As noted on the attached 2012 Education Schedule the three classes for the Litigation Professional Development Program and two of the three classes for the Green Building Profession-al Development Program are on the 2012 agenda Several new residential seminars currently in the devel-opment stages are on the schedule as well General Market Analysis General Sales Comparison General Site Valuation and Real Estate Finance are also being offered by the chapter for Associate Members seek-

ing Qualifying Education

Getting back to 2011 Analyzing Tenant Credit Risk and Commercial Lease Analysis will be presented on September 15 at Lakewood Ranch as part of the 3rd quarter chapter meeting John Underwood MAI will be the instructor for this newly revamped seminar Business Practice and Ethics required for AI members to remain active and in good standing will be held on October 13 in Tampa Please note the Florida Real Es-tate Appraisal Board only grants four hours of continuing education credit for this seminar as part of the seminar relates specifically to the Appraisal Institute The seminar is approved for seven hours of Appraisal Institute CE credit The Appraisal Curriculum Overview (ACO) course (residential and commercial) cur-rently required for both designated and associate members for AI continuing education will be held for the final time on November 3 amp 4 2011 in Lakewood Ranch Effective 2012 the ACO will no longer be offered by chapters for classroom instruction It will remain available on-line However no state credit will be giv-en Either the ACO on-line advanced education classes or specific classes in the professional development program will be required for a memberlsquos 5-year CE cycle as of 2012 Loss Prevention for Real Estate Ap-praisers a four hour seminar sponsored by Liability Insurance Administrators will be held in conjunction

with the 4th quarter meeting in St Pete This will be the final class of the year

Thank you for your continued support of the chapterlsquos education offerings Education revenue is the life

blood of our chapter

John amp Doretta GillottWest Coast Florida Education Scholarship Program The West Coast Florida Chapter of the Appraisal Institute offers scholarships each year to assist associate members of the chapter in achieving their desired designation The scholarships are sponsored by the West Coast Florida Chapter and John and Doretta Gillott Congratulations to the recipients of this yearlsquos scholar-ships

Janice Berner Melissa Culin Stephen Garcia and Timothy Sunyog

Classroom v Online Education You have a choice between taking classroom or online education When making your decision remember that we use qualified instructors who are experi-enced practitioners Classroom instructors bring insight and practical experiences to the students that you cannot receive online Consider that there are many advantages to the classroom experience not just from the instructor or the course material but also from fellow classmates who might ask a ques-tion that you will gain knowledge from The networking experience of classroom education is also a great source of contacts and information For online

education please be sure the class you choose is approved in Florida

Education

Karen Goforth MAI Chair

Top-notch Appraisal Institute courses and seminars come straight to your desktop with online education Learn from any computer anywhere whenever you have time Itrsquos easy convenient and a great way to get the education you want Check out the current course listings that are available at wwwappraisalinstituteorgonline-education-

view programsaspx

NOTE Some Appraisal Institute seminar materials are now available to students electronically At the time of registration you will be given the option to receive the hard copy of the materials prior to classes or save $15 by choosing the download option Be aware that if you choose the download option it will be your responsibility to either print out the materials and

bring them with you to class or bring your laptop to class Note that materials are usually at least 200+ pages


2011 Education Schedule - West Coast Florida Chapter Date Offering Instructor

September 15 2011 Analyzing Tenant Credit Risk (7 Hours CE) John Underwood MAI

Manatee Association of Realtors Lakewood Ranch

September 15 2011 3rd Quarter Chapter Lunch Meeting Guest Speaker Charles Hackney


October 13 2011 Business Practice amp Ethics Kenneth G Foltz MAI Wyndham Westshore Hotel Tampa (4 Hours CE)

November 3 2011 Appraisal Curriculum Overview (Residential) (1-Day) Gary F Scott SRPA SRA


November 3mdash4 2011 Appraisal Curriculum Overview (General) (2-Day) Gary F Scott SRPA SRA


November 10 4th Quarter Chapter Meeting amp Installation of 2012 Officers Guest Speaker TBA

Feather Sound Country Club St Petersburg

November 10 Loss Prevention for Real Estate Appraisers (LIA) (4 Hours CE) LIA Representative


2012 Education Schedule

March 13mdash16 2012 General Appraiser Sales Comparison Approach (Tampa)

March 1mdash2 2012 7-Hour USPAP Update and 3-Hour Florida Law (Tampa)

April 18mdash19 2012 Advanced Spreadsheet Modeling (Tampa)

Florida Recertification Deadline November 30 2012

To register for any of the above classes go to wwwappraisalinstituteorgeducationWestCoastFloridaaspx

February 7mdash10 2012 General Market Analysis amp Highest and Best Use (Tampa)

May 2012 Litigation Appraising Specialized Topics amp Applications (Tampa)

June 20mdash21 2012 The Appraiser as Expert Witness (Tampa)

June 2012 Case Studies in Appraising Commercial Buildings (Tampa)

August 23 2012 Residential Applications Using Technology to Measure Assignment Results (Tampa)

April 2012 Seminar TBA 2nd Q Chapter Meeting (St Petersburg)

May 4 2012 Appraising the Appraisal Appraisal ReviewmdashGeneral (Tampa)

May 10 amp 11 2012 7-Hour USPAP and Florida Law (Ft Myers)

August 15 ndash17 2012 Condemnation Appraising (Tampa)

AugustSeptember 2012 7-Hour USPAP amp 3-Hour Florida Law 3rd Q Chapter Meeting (Location TBA)

September 20 2012 Business Practice amp Ethics (Tampa)

September 25mdash28 2012 General Appraiser Site Valuation amp Cost Approach (Tampa)

October 3mdash4 2012 Real Estate Finance (Tampa)

November 8mdash9 2012 7-Hour USPAP Update amp Florida Law 4th Q Chapter Meeting (Lakewood Ranch)

February 17 2012 3-Hour SeminarmdashTBA (Ft Myers) 1st Q Chapter Meeting

June 2012 Introduction to Green Buildings (Tampa)

August 2012 7-Hour USPAP amp 3-Hour Florida Law (Tampa)


Leadership Development Advisory Council - July 26-28 2011

By Mary L Patterson SRA

Leadership Development and Advisory Council (LDAC)

Every year a group of Appraisal Institute members are chosen to attend the Leadership Develop-

ment Advisory Council (LDAC) conference in Washington DC LDAC has served as a source

of leadership and inspiration for new programming ideas for the Appraisal Institute for over 30

years Through a series of roundtable discussions LDAC provides a forum where ideas and opin-

ions are exchanged between members on a national level This year there were 109 appraisers

representing chapters from across the country at what was described as one of the largest groups

to converge on Capitol Hill Four members represented the Florida West Coast Chapter Michael

Jonas MAI Ned Palmer Mary L Patterson SRA and Wesley Saunders MAI Michael Jonas

was our third-year participant and was excellent in guiding us through the entire process

On Wednesday July 27th we met with staffers from the offices of US House Representatives

Vern Buchanan and Connie Mack and US Senator Marco Rubio At these meetings we dis-

cussed the Sensible Accounting to Value Energy Act of 2011 (SAVE Act) which is seeking spon-

sors in the Senate to ensure appraisers are provided with all the relevant information relating to

energy-efficient features of a property It will also ensure that high-performance properties are

appraised by an appraiser with enhanced competency The SAVE Act needs Republican support

and there is currently no companion bill in the House Also discussed was the Home Construction

Lending Regulation Improvement Act (HR 1755) which was introduced in the House on May 5

2011 The bill would enable federal and state-chartered banks and thrifts to meet the credit needs

of the nationrsquos home builders However this bill as introduced directs banking regulators to re-

write banking and appraisal guidelines to require the use of hypothetical ldquoas completedrdquo values

and further prohibits consideration of distressed sales in any appraisal The Appraisal Institute

believes that the appraisal provisions found in HR 1755 are not necessary to achieve the goals of

the bill The Appraisal Institute would support this bill if the appraisal provisions were removed

Discussion leaders held break-out sessions on the following topics

Sharpening Our Skills Beyond Point-in-Time Real Estate Appraising Where

Do We Grow Now

Could AI be the home for Non-Real Estate Appraisers If so is our

name still suitable

Appraisal Institute Education in 2020 What Will It Look Like and

How Do We Get There

International Presence You Me Us amp Them a Growing Presence

in a Shrinking World

The three days spent with appraisers from all over the country were valuable and a

great deal of fun LDAC is a three-year commitment and an excellent way to become

an integral part of policy-making by lobbying members of Congress and educating

them on the issues appraisers face It is also a great way to get to know Appraisal

Institute national leaders who seek feedback on discussion topics from LDAC partici-

pants I would highly recommend LDAC for any member who cares about our pro-

fession on the macro level and for development of leadership skills on a national lev-

el It was an awesome and unforgettable experience LDAC 2012 will be held in Washington DC on May 22 ndash 24 2012

Florida LDAC Attendees including West Coast Florida Reps outside Marco Rubiorsquos office

2011 LDAC attendees (l to r) Michael Jonas MAI Ned Palmer Mary Patterson SRA and Wesley Sanders MAI

2011 AI National Leadership at LDAC

2011 LDAC Attendees at the Capitol

Florida LDAC Representatives


CONGRATULATIONS to Brian Zamorski MAI Na-

ples FL who received his designation in May 2011

New Associate Members

Mark J Bridges Tampa

Peter S Dalson Tampa

Christopher S Halford Seminole

Kurt J Hutchings Ft Myers

Kevin A Nogues Tampa

Heidi B Slusarski-Grant N Ft Myers

Gregory B Sobil Tampa

Lora Stroup Keller Punta Gorda

Timothy J Wipf Ft Myers

Eric R Vanderlaan Tampa

Membership News

AI Gains National Coverage on Reliability of AVMs

The Appraisal Institute continues to attract media attention garnering coverage in The Wall Street Journal in July in a story cautioning consumers on the accuracy of automatic valuation models The article noted that the Appraisal Insti-tute does not advocate the use of AVMs such as Zillowcom because they are based on public information and infor-mation from local multiple-listing services that are often inaccurate A similar article appeared in The Real Deal (New

York)

Several SRAs appeared in national media coverage and local radio To see the latest media coverage about the real estate valuation profession and the Appraisal Institute go to the members-only area of the AI website at wwwappraisalinstituteorgmyappraisalinstitutedefaultaspx and click on ―AI in the News Media coverage is updat-

ed daily and includes the latest news releases from the Appraisal Institute

AI in the News

New Affiliate Members

Joni Pilgrim Oldsmar

Bryon Torres Lehigh Acres

Transferred Into Chapter

Richard Dodge SRPA SRA (from Hawaii)

Bernard J Gallagher SRA (from Atlanta)

Transferred out of Chapter

Jose R Lopez (to Philadelphia)

Michael J Hall SRA (to Dallas)

Deceased

Warren Hunnicutt Jr MAI

Resigned

Kelly D McBrearty Indian Rocks Beach

IN MEMORIUM WARREN HUNNICUTT JR MAI passed away on May 17 2011 at the age of 87 Warren lived and

worked in St Petersburg FL until he retired in 1997 From 1974 to 1990 he owned and operated Warren Hunnicutt Jr a real estate appraisal company specializing in fee appraisals and consultation on ad valorem property tax matters In 1990 the name was changed to Hunnicutt-Arnold Inc and Mr Hunnicutt served as president until 1995 He was a former CRE member of the American Society of Real Estate Counselors and an MAI member of the Appraisal Institute He was a former chapter president of the American Institutelsquos Florida Chapter 2 in 1972 and chapter president of the Socie-tylsquos Tampa Bay Chapter 89 in 1968 in addition to serving on several national committees for both organizations In 1976 Warren was president of the St Petersburg Board of Realtors and served on

its board of directors until 1980

Warren was also an instructor for the Institute the Society of Real Estate Appraisers and the International Association of Assessing Officers and lectured at Georgetown University Nova University Principal Financial Group in Iowa and was a guest lecturer for an appraisal course taught in Amsterdam Holland Along with two others he was instrumental in developing and renovating ―McNulty Station an office building in downtown St Petersburg Mr Hunnicutt is survived by wife Dorothy son Warren IV PhD and three grandchildren The West Coast Florida Chapter extends deepest sym-

pathy to all the friends and family of Warren Hunnicutt Jr MAI

Best wishes for a speedy recovery to Michael

Dorr MAI

Brian Zamorski MAImdashNaples FL mdash Chair Associate

Member Group

Where do you work How long

I work for TA Tippett Inc located in Naples I have been em-

ployed since February 2009

What type of appraisal work do you do

Focus is on general commercial properties I also work on special-ty properties such as marinas self storage facilities hotel

motels and aircraft hangars

How did you get started in the business

I was in my senior year as a finance student at Florida Gulf Coast University when I started an internship with Integra Realty Resources Professor Shelton Weeks introduced me to Tom Tippett MAI who was the managing director at Integra Before that time I had no idea that I was going to become an appraiser I

graduated in Spring 2005 and started full time as a commercial appraiser

Whowhat was the biggest influence for you in getting the AI designation

Tom Tippett has been my mentor since I started my real estate appraisal career in 2005 He encouraged me

to go through the designation process as quickly as possible

Home town

I was born in Brookhaven New York and I have lived in Fort Myers for 11 years

Favorite hobby or pastime

I am currently learning to play golf I am also a member of the Rotary Club of Bonita Springs I enjoy read-

ing books about automobiles I hope to have a nice car collection one day

What advice can you give to other associate members letting the demo hold them back from receiving their

designation

I would suggest that members attend the General Demonstration Appraisal Report Writing seminar This seminar will help clear up any questions you would have regarding the property type and the contents of the report I would also recommend creating a ―plan of attack which would allocate how much time to be

spent on each section Also keep it simple with regards to property type

Any other advice to associate members

I would suggest that associates attend chapter meetings and pos-sibly become involved with chapter leadership positions The chapter meetings are a great way to network with other apprais-

ers in the area


Member Spotlight

Brian Zamorski MAI

Visit the chapter website at wwwaiwestcoastflorg for information on chapter meetings education offerings

employment opportunities and other professional updates

AI Members Save with Fed Ex Office

All AI members are eligible to receive special savings of up to 20 off select FedEx Office copy and print services and 10 off other select ser-

vices

Questions call 1-800-636-2377 for more details

terms and conditions

R Alan Wilcox MAI SRA of Cape Coral FL was recognized as the Appraisal

Institutelsquos August ―Volunteer of Distinction for Region X

The Appraisal Institute is the nationlsquos largest professional association of real estate appraisers Region X consists of Florida and Puerto Rico Wilcox is a

member of the West Coast Florida Chapter

―Alan Wilcox is an example of the outstanding individuals who belong to the Appraisal Institute said Ap-praisal Institute President Joseph C Magdziarz MAI SRA ―Welsquore proud of the contributions Alan and all our members make to our organization to the real estate valuation profession and to the communities

where they work and live

A member of the Appraisal Institute since 1984 Wilcox currently serves as vice president of the Appraisers Liability Insurance Programlsquos board of directors on which he is serving his second year He has also been a member of AIlsquos Leadership Development and Nominating Committee (2005mdash2008) a member of the organi-zationlsquos national Board of Directors (2001mdash2004) the last year as Region X chair and was on the national General Appraisal Board Guidance Subcommittee (1996mdash1998) He also has served the West Coast Florida Chapter as president in 2001 regional representative (1994mdash2001) vice president (2000) secretary (1999) treasurer (1998) board member (1993mdash1996) and as chair of the chapterlsquos MAI Admissions Committee (1997) and MAI Candidate Guidance Chair (1993mdash1996) He received his MAI designation in 1992 and his SRA

designation in 2003 from the Appraisal Institute

Since 1993 Wilcox has been presidentowner of Wilcox Appraisal Services Inc He is a state-certified gen-eral real estate appraiser with a real estate brokerlsquos license who is a member of the Real Estate Investment Society and was a board member of the Association of Eminent Domain professionals (2000mdash01) He won the Outstanding and Dedicated Service Award from the West Coast Florida Chapter of the Appraisal Institute

in 1996

In his community he has been a member of Cape Coral First United Methodist Church since 1979 serving as a Sunday school teacher choir member youth leader and various committees He also has been a volun-

teer with Habitat for Humanity and coached Cape Coral Soccer Association

Wilcox earned his bachelor of science degree from West Virginia University in 1971 and a master of science degree from University of Washington He is married to Patricia Wilcox SRA for 42 years and has two

daughters and three grandchildren


Region X August ldquoVolunteer of Distinctionrdquo

Increased Continuing Education for Associate Members At the February 2010 National Board of Directors meeting the Board voted on an increase in the number of hours of con-tinuing education for associate members The increase requires that each associate have 70 hours of continuing educa-

tion in their 5-year CE cycle This became effective July 1 2010

The new continuing education requirements are intended to raise the level of education of all Associate members and to raise the quality of appraisal services Most state certified appraisers already are required to complete a mini-mum of 70 hours of continuing education every five years As part of the 70 hours associate members will be required to complete the Uniform Standards of Professional Practice Course the Business Practices and Ethics Course and an advanced education course Associate members currently are required to take the Standards Course and the Ethics Course within the first year of membership and then in every five-year cycle (There are some alternatives to these re-

quirements for associate members) Click here for CE information for Associate Members


Ilsquod like to thank the Chair Ranking Member and members of the Subcommittee for the opportunity to be with you to-day Professional real estate appraisers are analysts of local real estate markets Their research and opinions help pro-tect the safety and soundness of our banking system and provide a tool that defends mortgage lenders Today many lenders enabled by government policies continue down a treacherous path toward the commoditization of appraisals

promoting ―collateral validation over collateral valuation This puts banks homebuyers and taxpayers at risk

Unfortunately for many years appraisals have been viewed as impediments to the ―closing of deals Like other risk management functions appraisals have been marginalized within many financial institutions as evidenced by recent investigative reports which tell how loan production ruled and financial institutions lacked a ―risk chromosome New policies intended to correct past regulatory failures have concentrated power over appraisal decisions in the hands of a few Coercion of appraisers has taken on new forms where some are proposing to dictate the outcome of appraisals by

actually legislating how to conduct an appraisal All of these actions serve to effectively tie the hands of appraisers

Strangely real estate agents have reported that consumers are paying higher appraisal fees yet fees actually paid to

appraisers have declined in some cases by more than 40 percent How can this be Simply put lenders have added ad-

ministration expenses onto the backs of consumers through the Appraisal line of the HUD-1 form Further many lenders

have chosen to outsource the appraisal management function to third party management companies who pass only a

fraction to the appraiser actually performing the appraisal service Current policy leaves consumers completely in the

dark We need transparency between appraisal and appraisal management fees especially since it is the consumer who

pays these fees in nearly all transactions

Given the diversity of real estate appraisals cannot and should not be developed like a ―cookbook with a set of reci-pes that dictate how an appraisal is to be developed The Appraisal Institutelsquos 80 years of experience has taught us that a credible appraisal process does not lend itself to a step-by-step by-the-numbers how-to guidebook Instead what is required is that the practitioner is sufficiently trained to understand the process that is appropriate to the specific as-signment For many appraisal problems there is more than one solution Take the valuation of ―green properties or appraisals in declining markets These are complex issues that require some flexibility of approach Rules of thumb

donlsquot work Credibility requires rigorous research and analysis as for every rule there is an exception

It also requires expertise by those using an appraisal or establishing polices around it To this point federal agency poli-cies have resulted in caps on appraisal fees and propped up a business model of third party middlemen Unfortunately the Federal Reservelsquos Interim Final Rule is not faithful to Congressional intent The Appraisal Institute thinks Congresslsquo intent was right on target We urge Congress to guide the regulatorslsquo aim directing them to correct the Interim Final

Rule to promote credibility over speed and cost

We must also look at the process under which appraisal policies are overseen and implemented Congress directed and funded the Appraisal Foundation to perform two functions developing uniform appraisal standards and establishing min-imum appraiser qualifications Without direction from Congress the Foundation has created a new board with no clear purpose or boundaries Congress authorized the Appraisal Subcommittee the federal oversight agency of our profession to monitor and review the activities and structure of the Appraisal Foundation but not to direct or overrule its activi-ties and structure The Appraisal Subcommittee may have exceeded its Congressional authorization with respect to the

creation of the new board Such potential regulatory overreach is a huge concern

At a minimum the recent actions of the Appraisal Subcommittee and Appraisal Foundation should be examined by Con-gress and we urge this Committee to bring clarity and accountability to the relationship between the Appraisal Subcom-

mittee and Appraisal Foundation where it does not exist today

In conclusion last year Congress passed the most significant legislative update of the appraisal regulatory structure in

two decades In our view this was only a beginning Moving forward Congress must maintain an active role in over-

sight of appraisal regulators and build on these reforms to address ongoing weaknesses We can ill afford to allow an-

other 20 years to pass without a thorough audit of appraisal regulations Consumers lenders and taxpayers deserve

much better than they have been given to date

(Subscribe to Appraisal Institute News Releases RSS feed and stay connected with latest newshttpwwwappraisalinstituteorgRSSNewsRelease

Defaultaspx)

Oral Statement of Sara Stephens MAI CRE President Elect Appraisal Institute Before the House Financial Services Subcommittee on Investigations and Oversight

July 13 2011


At the 2011 national meeting for the Appraisal Institute in Las Vegas Jim Amorin past president for 2009 gave us a very thought provoking and inspiring presentation called ―Big New Ideas Jim told us that our behavior is governed by our assumptions and sometimes our assumptions are incorrect Our assumptions and opinions are based on how we perceive

our world We look at it in terms of What How and Why

We all know what we do We appraise real estate or we review appraisals We also know how we do what we do We are very educated experienced trained certified designated licensed etc yet many of us never stop to think ―why do we do what we do Most of us think last about why if at all However great innovative leaders and inventors typically think of why they do something prior to what and how Author Simon Sinek calls this logic the ―golden circle Jim gave several examples but I liked his story of Apple Computer being one of those companies that focuses on Why first Instead of them telling the market what they do such as we make great computers iphones ipods ipads and itunes they tell us a story that we can connect to Apple says ldquoEverything we do we believe in challenging the status quo We believe in thinking differentlyrdquo People identify with that so much theylsquoll stand in line two days before the store opens to buy a new product that they can get off the shelf if they only wait two weeks Apple wants people to

recognize them as thinking differently and challenging the status quo

So what does that have to do with appraisers Our appraisals tend to be viewed by our clients as commodities What makes one appraisal different from another The Appraisal Institute does their best to differentiate our brand from non designated members however that may only enable our clients to view MAI or SRA appraisers as all being the same and

when there are a lot of us in the market what differentiates one MAISRA from another

People donrsquot buy what you do they buy why you do it In order for you to gain your clientlsquos loyalty and to view your services as something more than just an appraisal report you need to tell them why you do what you do You need to be passionate about why youlsquore an appraiser and you need to tell them how they will benefit from using you Remember the goal is not to just sell to people who need what you have the goal is to sell to people who believe what you be-

lieve

What How and Why

FREAB General Meetings 2011

October 3 amp 4 2011 December 8 amp 9 2011

All meetings are held at the Real Estate Appraisal Board in Or-lando unless stated otherwise Contact JoEllen Peacock to regis-

ter at joellenpeacockdbprstateflus

61J1-4003 - Continuing Education A licensee or certificate holder may earn five (5) classroom hours by attending an entire meeting where the Board considers disciplinary cases for a maxi-

mum of seven of the required thirty (30) hours

3rd Quarter Chapter Meeting

Mark Your Calendar for the Next Chap-

ter Membership Meeting

Thursday September 15 2011

Manatee Association of Realtors Lake-

wood Ranch

Lunch Meeting amp Program

1130 AM - 100 PM

Legislation Would Affect Green Valuation AI Speaker Tells Builders

Legislation currently in Congress would highlight the importance of green features and homes Sandra K Adomatis

SRA told the national Association of Home Builderslsquo National Green Building Conference amp Expo in May in Salt Lake City

Adomatis said the SAVE (Sensible Accounting to Value Energy) Act would add expected costs to the principal interest taxes and insurance now entered into the appraisal and mortgage underwriting process when qualifying a buyer for a mortgage Nationlsquos Building News reported in May that Adomatis told attendees that the SAVE Act would provide a clear

advantage to new homes over existing homes but also would create a healthy retrofit market

Adomatis also focused on the Appraisal Institutelsquos effort as a leader in green valuation Nationlsquos Building News reported noting AIlsquos Valuation of Sustainable Buildings Professional Development Program that launched last January The class-room and online efforts include two residential courses with a commercial course coming later this year Adomatis encouraged home builders and other attendees to find appraisers experienced in green valuation She noted that build-ers and their customers should determine the appraiserlsquos education and experience in green valuation and ask lenders

to hire them


J Bruce Cumming Jr

Chairman Membership Development amp Retention Chairman

bcumminghettemasabacom

Questions about education QE CE changes trends

Questions about the state-certification process residential general

Questions about the professional designation process SRA MAI

Questions about your career opportunity involvement trends future

Attend this event register now

Who Trainees are the stars we want you (associate members SRA SRPA and MAI members are welcome

and encouraged to attend to share your ideas and insights with the trainees)

What Information Questions and Networking

Why Itlsquos your career and your future

Get your questions answered

Learn about your career

Set the foundation for your success

When October 25 2011 (Tuesday) 430 pm 700 pm

Where University Park Country Club

httpuniversitypark-flcomcountry-clubspecial-eventscfm

7671 The Park Boulevard

University Park Florida 34201 (Sarasota)

(Sarasota I-75 west on University Parkway north on The Park Boulevard)

Program 430 to 500 pm arrival and registration

500 to 615 pm program participants

615 to 730 pm networking reception

Cost This is a FREE chapter event - Appraisal Institute members can receive 3 hours of AI CE credit

No Florida CE credit available

Participants Joni L Herndon SRA vice chairman Florida Real Estate Appraisal Board and chairman Region X (five Florida chapters + Puerto Rico) of the Appraisal Institute ndash state-certification and FREABDRE

issues

TBA education representative ndash education issues

Mary L Patterson SRA director ndash residential trends

Michael P Jonas MAI CCIM director and associate guidance chairman ndash general ndash commercial trends

J Bruce Cumming Jr chairman Membership Development amp Retention ndash moderator

Florida Trainees this one is for you Your Education Your Certification Your Career Your Future

One place One time

CLICK HERE TO REGISTER FOR THIS FREE TRAINEE EVENT


In February 2009 the Herald Tribune published an interview with a local developer concerning the abuse of the appraisal process Thought that it might be interesting and informative to take another look at some of

his comments and concerns

―Banks are abusing a federal requirementhellip that lenders use mark to market accountinghellip which is exac-

erbating the current real estate valuation crisis

loz Reply In my opinion the ―market value estimate simply ―tracks not ―drives the

market What other method other than an appraisal could be used to estimate the market value

of an existing investment

―hellipthe inherently incestuous relationship that exists between lenders (who are the principal source of revenue to appraisers) and appraisers (who must please lenders to continue to get business) undercuts any

true independence in the process

―How independent can appraisers be if they recognize that their ability to survivehellip is contingent upon

their ability to keep the lender who hires them happy

loz These comments will be addressed together

Now the appraisers must please the regulatory agencies not just the lenders

The appraisers who did not yield to this pressure are still in business

―hellipthat lenders have abused the appraisal process underlying the requirement (mark to market) in order

to improperly squeeze their commercial borrowers

loz Why would the lender want to squeeze their commercial borrowers The bank might have no

choice due to existing market conditions and regulatory pressure ―The borrower typically never sees the draft appraisal and has no opportunity to provide input before

being presented with the final appraisal

loz At the time the appraiser contacts the borrower or client the property owner should furnish all

the information requested by the appraiser in detail plus any facts that the owner feels are rele-

vant to the value estimate

―The lender then uses this valuation (market value) to measure loan-to-value ratioshellip and then use those arbitrarily low values to demand additional loan payments or recapitalization of the loan from the borrow-

er

loz These values are not arbitrary They reflect the market at the date of value Problem lies with

the market not the value estimate The solvency of the lenders depends on the value of their

portfolio and the value needs to be credible not arbitrary

―hellipthe de facto control that lenders have over the appraisal process has put commercial developers in a

Catch-22

loz In my opinion the control if any was over the appraisers not the process

―These same lenders are now forcing the appraisers to artificially depress the value of these same assets

in order to coerce capital from borrowers to meet loan-to-value capital requirements

loz The pressure is coming from the regulatory agencies not the lenders The lenders would prefer

not to have to write down the assets since their capital can be impaired (continued)

Another Look By Henry C Entreken Jr MAI SRA


Another Look (Continued)

―Lenders are abusing the mark to market accounting requirement by dictating to the appraiser to deter-

mine a ―liquidation or fire sale value on many commercial real estate parcelshellip

loz The ―liquidation value in not ―market value The appraiser would only furnish this estimate if

specifically instructed by the client

―Real estate especially large development projects by its very nature is an illiquid asset and for lend-ers to dictate to appraisers to establish a ―liquidation value for the property as if it were to be sold in 90

days is killing the commercial real estate industry

loz Real estate by definition is illiquid Large development projects are especially illiquid What was

killing the commercial real estate industry was the state of the economy not the value estimate

―In order for an appraisal to be truly independentlsquohellip both the lender and the borrower should deter-

mine which appraiser should be hired to conduct an appraisal assignmenthellip

loz There are some cases where both the lender and the borrower might know the appraiserlsquos qualify

cations and ethical standards sufficiently well to both agree in the selection

loz Since in these economic times the lender and borrower may have adversarial positions this

arrangement would not be practical in most situations The lender wants to underwrite the loan under terms that will insure repayment or meet regulatory requirements The developer needs to know if there is sufficient capital available to complete and sell the development or the addi-

tional capital to meet the lenderlsquos requirements

―Only by freeing the appraiser from the economic control of the lender can both parties be assured a

truly independent valuation

loz This suggestion reminds me of something an attorney friend of mine told me a long time ago ―I

had a perfect settlement of a case yesterday both parties hated it In my opinion the best action to pursue is to hire an experienced competent ethical designated member of the Appraisal Institute to complete the assignment One or more of the parties involved may either ―hate or ―love the value conclusion but the appraiser would have done hisher job

Conclusion

Hopefully our clients understand that we appraisers ―reflect the market not ―make it Would like to

hear some of your comments on the questions discussed Send to wcoastfltampabayrrcom

Thanks for taking the time to read these musings

Visit our chapter website for information on employment opportunities chapter meetings education offerings and other profession

updates at httpwwwaiwestcoastflorgdefaultaspid=1

JOB OPPORTUNITIES Tampa Bay Real Estate Appraiser Candidate should be state certified general or near completion to be certified Competent in commercial real estate

valuation proficient in persuasive writing and analytical skills Firm has multitude of financial professional legal and other clients Fee split commensurate with experience and ability Submit resume to dennisdnareacom

Tampa Bay Appraiser Analyst and Trainee Candidate should be a trainee Full time position split into (1) research analyst and (2) appraisertrainee Proficient in writing skills and analysis of commercial sales and such Firm has multitude of financial professional legal and other clients Base salary for research analyst and fee split for appraiser trainee Submit resume to dennisdnareacom

Southwest Florida Full service real estate appraisal firm is seeking a commercial real estate appraiser Real estate appraisal experience preferred Applicants should have a proficient knowledge of the appraisal process word processing and computer skills Company expectations are for quality work prepared in a timely manner Qualifications should be submitted to Carlson Norris amp Associates Inc Ft Myers Florida Send to lnorris carlsonnorriscom


2nd Quarter Chapter Meeting Ft Myers amp Region X Meeting

Brian Zamorski (r) receiving his MAI Certificate from

Tom Tippett (center) and Cliff Bowen (l) 2nd Quarter Chapter Meeting in Ft Myers

Guest Speaker Michael Timmerman SRA Fishkind amp Associ-

ates at May chapter meeting Gary Scott SRPA SRA instructing Residential

Appraisal Update at Pelican Preserve Country Club

August Region X Meeting Las Vegas - Special thanks to

Dan Green MAI for his efforts on our tropical shirts

Great symbol of Region X unity

Ft Myers UAD attendees with instructor Diane

Gilbert MAI SRA held in August

National and Region X leadership and region reps at Minus

5 ice bar during the recent national meeting in Las Vegas

Want to Become a Member JOIN

3rd Quarter Meeting of the West Coast Florida Chapter Thursday September 15 2011 - Lakewood Ranch


Please join us for the next chapter luncheon meeting

Where Manatee Associate of Realtors




Schedule Seminar - 830 AM - 500 PM

MeetingBuffet Lunch 1130 AM-100 PM (Pulled pork bbq chicken rolls potato salad sides dessert and beverages)

Guest Speaker Charles Hackney Manatee County Property Appraiser

Registration Information

Name _________________________________________________________

Firm __________________________________________________________

Address _______________________________________________________

City _____________________________ State ______ Zip ______________

Email ________________________________License ________________

Phone _________________________________________________________

Payment Visa MasterCard Amex Check

RSVP by September 10 2011

Name on Card _________________________________________________

Card _______________________________________ Exp Date__________ Amount $_______________________

I will attend Seminar (Includes Lunch Meeting) Lunch Meeting Only

We hope to see you there

West Coast Florida Chapter of the Appraisal Institute

10014 N Dale Mabry Highway Suite 101 Tampa FL 33618

Phone (813) 962-4003 | email wcoastfltampabayrrcom | Website wwwaiwestcoastflorg

Reservations are required to attend all events - please join us for the 3rd Quarter Meeting

To register online for seminar andor lunch meeting wwwappraisalinstituteorgeducationWestCoastFloridaaspx

Lunch Meeting Only $25 Member

$30 Nonmember

Seminar amp Meeting $200 Member

$225 Nonmember

Mail Check or Fax Registration to

West Coast Florida Chapter - AI

10014 N Dale Mabry Highway 101

Tampa FL 33618

T 813-962-4003 | F 813-962-4006

Questions wcoastfltampabayrrcom

Register Online


When Thursday September 15 2011

Where Manatee Association of Realtors




Schedule of Events

830 AM - 500 PM 7-Hour CE Seminar - Analyzing Tenant Credit Risk

1130 AM - 100 PM Chapter meeting with buffet lunch amp guest speaker

Seminar Instructor John Underwood MAI

Meeting Speaker Charles Hackney Manatee County Property Appraiser

Chapter Meeting Program

Manatee County Property Appraiser Charles Hackney will address current trends with county property appraisers and how it affects property assessment in Manatee County Charlie has brought over 20 years of professional real estate appraisal experience to the Manatee County

Property Appraisers Office

He was elected to the position of Property Appraiser in 1992 and holds the Certified Florida Appraiser (CFA) designation from the Florida Department of Revenue He is a member and past president of the Florida Association of Property Appraisers a member of the International As-

sociation of Assessing Officers and he has also been an SRA Member of the Appraisal Institute from 1985 - 2004 Char-lie has committed himself to running the Property Appraisers Office as efficiently and in as cost-effective a manner as possible in order to save taxpayers money while at the same time providing the best possible quality service to our citi-

zens

Charles is a lifelong Floridian and attended Manatee Junior College and Florida State University He has served on the Manatee Community College Board of Trustees Kiwanis Club of Bradenton Board of Directors as past president and Man-

atee Community College Foundation He is a former Hernando DeSoto and Bradenton Jaycee member

To register for the chapter lunch meeting andor the above seminars go to wwwappraisalinstituteorgeducation

WestCoastFloridaaspx Reservations are required

Driving Directions to Manatee Association of Realtors - Traveling south on I-75 take Exit 220 and go east on SR 64 to Lakewood Ranch Boulevard Turn right on Lakewood Ranch Blvd and proceed to Technology Terrace on the right Trav-eling north on I-75 take Exit 217A and go east on SR 70 to Lakewood Ranch Boulevard Turn left on Lakewood Ranch

Boulevard to Technology Boulevard on the left All events will be held in the Conference Center Building

Nearby hotels Wingate by Wyndham Bradenton-Lakewood Ranch 5464 Lena Road Bradenton phone (941) 755-0055

Hotel is located at Exit 217 SR 70 There is a Holiday Inn Express at Exit 213 University Parkway (941) 782-4400

3rd Quarter Chapter Luncheon Meeting - Bradenton FL

Lunch Meeting Only - $25 Members | $30 Nonmembers

Registration Deadline September 10 2011

Advance Reservation Required

Questions wcoastfltampabayrrcom or call (813) 962-4003

Board of Directors meeting Tuesday September 13th at 3 PM mdash via conference call

Presidentrsquos Message (Continued)

Congratulations to all our newly designated members and new associates Congratulations to Alan Wilcox for recently

being named as the Appraisal Institute ―Volunteer of Distinction for Region X With the help of his wife Pat Alan has

served in chapter regional and national positions for many years

I look forward to seeing you at the next chapter meeting You are important to the future of our profession












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Email ________________________________License ________________

Phone _________________________________________________________



Name on Card _________________________________________________










$30 Nonmember


$225 Nonmember




Tampa FL 33618

T 813-962-4003 | F 813-962-4006


Register Online












Education



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Do We Grow Now


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How Do We Get There






























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Member Spotlight

Brian Zamorski MAI





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What How and Why












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1130 AM - 100 PM







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Catch-22




























Conclusion




































Name _________________________________________________________

Firm __________________________________________________________

Address _______________________________________________________

City _____________________________ State ______ Zip ______________

Email ________________________________License ________________

Phone _________________________________________________________



Name on Card _________________________________________________










$30 Nonmember


$225 Nonmember




Tampa FL 33618

T 813-962-4003 | F 813-962-4006


Register Online




































































Do We Grow Now


name still suitable


How Do We Get There






























Membership News



York)



AI in the News










Deceased


Resigned








Dorr MAI


Member Group













Home town






designation





ers in the area


Member Spotlight

Brian Zamorski MAI





vices












in 1996





































Defaultaspx)


July 13 2011









lieve

What How and Why












wood Ranch


1130 AM - 100 PM







to hire them


J Bruce Cumming Jr



























issues






One place One time


























er





Catch-22




























Conclusion




































Name _________________________________________________________

Firm __________________________________________________________

Address _______________________________________________________

City _____________________________ State ______ Zip ______________

Email ________________________________License ________________

Phone _________________________________________________________



Name on Card _________________________________________________










$30 Nonmember


$225 Nonmember




Tampa FL 33618

T 813-962-4003 | F 813-962-4006


Register Online















Membership News



York)



AI in the News










Deceased


Resigned








Dorr MAI


Member Group













Home town






designation





ers in the area


Member Spotlight

Brian Zamorski MAI





vices












in 1996





































Defaultaspx)


July 13 2011









lieve

What How and Why












wood Ranch


1130 AM - 100 PM







to hire them


J Bruce Cumming Jr



























issues






One place One time


























er





Catch-22




























Conclusion




































Name _________________________________________________________

Firm __________________________________________________________

Address _______________________________________________________

City _____________________________ State ______ Zip ______________

Email ________________________________License ________________

Phone _________________________________________________________



Name on Card _________________________________________________










$30 Nonmember


$225 Nonmember




Tampa FL 33618

T 813-962-4003 | F 813-962-4006


Register Online


Member Group













Home town






designation





ers in the area


Member Spotlight

Brian Zamorski MAI





vices












in 1996





































Defaultaspx)


July 13 2011









lieve

What How and Why












wood Ranch


1130 AM - 100 PM







to hire them


J Bruce Cumming Jr



























issues






One place One time


























er





Catch-22




























Conclusion




































Name _________________________________________________________

Firm __________________________________________________________

Address _______________________________________________________

City _____________________________ State ______ Zip ______________

Email ________________________________License ________________

Phone _________________________________________________________



Name on Card _________________________________________________










$30 Nonmember


$225 Nonmember




Tampa FL 33618

T 813-962-4003 | F 813-962-4006


Register Online










in 1996





































Defaultaspx)


July 13 2011









lieve

What How and Why












wood Ranch


1130 AM - 100 PM







to hire them


J Bruce Cumming Jr



























issues






One place One time


























er





Catch-22




























Conclusion




































Name _________________________________________________________

Firm __________________________________________________________

Address _______________________________________________________

City _____________________________ State ______ Zip ______________

Email ________________________________License ________________

Phone _________________________________________________________



Name on Card _________________________________________________










$30 Nonmember


$225 Nonmember




Tampa FL 33618

T 813-962-4003 | F 813-962-4006


Register Online



























Defaultaspx)


July 13 2011









lieve

What How and Why












wood Ranch


1130 AM - 100 PM







to hire them


J Bruce Cumming Jr



























issues






One place One time


























er





Catch-22




























Conclusion




































Name _________________________________________________________

Firm __________________________________________________________

Address _______________________________________________________

City _____________________________ State ______ Zip ______________

Email ________________________________License ________________

Phone _________________________________________________________



Name on Card _________________________________________________










$30 Nonmember


$225 Nonmember




Tampa FL 33618

T 813-962-4003 | F 813-962-4006


Register Online









lieve

What How and Why












wood Ranch


1130 AM - 100 PM







to hire them


J Bruce Cumming Jr



























issues






One place One time


























er





Catch-22




























Conclusion




































Name _________________________________________________________

Firm __________________________________________________________

Address _______________________________________________________

City _____________________________ State ______ Zip ______________

Email ________________________________License ________________

Phone _________________________________________________________



Name on Card _________________________________________________










$30 Nonmember


$225 Nonmember




Tampa FL 33618

T 813-962-4003 | F 813-962-4006


Register Online


J Bruce Cumming Jr



























issues






One place One time


























er





Catch-22




























Conclusion




































Name _________________________________________________________

Firm __________________________________________________________

Address _______________________________________________________

City _____________________________ State ______ Zip ______________

Email ________________________________License ________________

Phone _________________________________________________________



Name on Card _________________________________________________










$30 Nonmember


$225 Nonmember




Tampa FL 33618

T 813-962-4003 | F 813-962-4006


Register Online

























er





Catch-22




























Conclusion




































Name _________________________________________________________

Firm __________________________________________________________

Address _______________________________________________________

City _____________________________ State ______ Zip ______________

Email ________________________________License ________________

Phone _________________________________________________________



Name on Card _________________________________________________










$30 Nonmember


$225 Nonmember




Tampa FL 33618

T 813-962-4003 | F 813-962-4006


Register Online






















Conclusion




































Name _________________________________________________________

Firm __________________________________________________________

Address _______________________________________________________

City _____________________________ State ______ Zip ______________

Email ________________________________License ________________

Phone _________________________________________________________



Name on Card _________________________________________________










$30 Nonmember


$225 Nonmember




Tampa FL 33618

T 813-962-4003 | F 813-962-4006


Register Online



























Name _________________________________________________________

Firm __________________________________________________________

Address _______________________________________________________

City _____________________________ State ______ Zip ______________

Email ________________________________License ________________

Phone _________________________________________________________



Name on Card _________________________________________________










$30 Nonmember


$225 Nonmember




Tampa FL 33618

T 813-962-4003 | F 813-962-4006


Register Online

west coast florida chapter , 2011 rd the approach

Documents