Coursework:
          1A-1, Real Estate Appraisal Principles, University of North Carolina, 1983
          1A-2, Basic Valuation Procedure, University of Georgia, 1986
          8-2, Residential Valuation, University of Georgia, 1985
          8-3, Standard of Professional Practices, University of Georgia, 1985
          1B-A Capitalization Theory and Techniques - Part A, University of Ga., 1989
          A-57, Residential Construction Materials and Methods, 1992
          A-59, How to Make a Single Family Appraisal on the URAR Appraisal Form, 1992
   
      Seminars:
          Market Extraction, Tampa, Florida, 1983
          FNMA Underwriting, Tampa, Florida, 1985
          Manufactured Homes Appraisal Guide, Tampa, Florida, 1985
          Accrued Depreciation, Orlando, Florida, 1987
          Written Appraisal Policy, Orlando, Florida, 1988
          673 - The Appraisal of Local Retail Properties, September 1998
          USPAP/Law Update, September 2004
          Appraising the Appraiser, September 2004
          USPAP/Law Update, July 2006
          Disclosures & Disclaimers, July 2006
          Appraising REO and Foreclosure Properties, July 2006

      National Association of Independent Fee Appraisers
          USPAP Uniform Professional Standards of Practice - Tampa, Dec. 1991

      Florida Appraisal Board
          A-109, From the Appraiser to the Underwriter, 1994
          A-74, 7 Hour Law Update, 1994
          A-38, HP 12C Calculator, 1994

      DESIGNATIONS:
     State-Certified General Appraiser, #0000736

      EMPLOYMENT HISTORY:

        1992 to Present       Principal, Commercial and Residential Appraiser, Snell & Associates, Inc.
                                    (formerly known as Biggers, Snell & Associates, Inc.), Crystal River, Florida

        1984 to 1992           Commercial and Residential Appraiser, F. I. Grey & Son, Inc., Realtor,
                                     Crystal River, Florida

        1979 to 1984           Branch Manager, Property Manager, Fee Appraiser for commercial and
                                     residential properties and Review Appraiser for Swartsel Realty, Inc.,
                                     also started the Appraisal Department in 1982.

        1970 to 1979           Pasco County Board of Instruction

      AFFILIATIONS:
     National Association of Realtors
        Appraisal Advisory Committee - 1998-2000
     Florida Association of Realtors
        District 7, Vice President - 2000
     Realtors Association of Citrus County
        President - 1998-1999