QUALIFICATIONS

FRANCOIS “FRANK” K. GREGOIRE ASA IFA RAA

State-Certified Residential Real Estate Appraiser RD142
Gregoire & Gregoire, Inc.
Realtor - Appraiser
6285 25th Avenue North
St. Petersburg, FL 33710
Office 727-344-3393 Fax 727-344-3395
francois@tampabay.rr.com

EXPERIENCE
Licensed Real Estate Salesman 1976 - 1977
Licensed Real Estate Broker since 1977
State - Certified Residential Appraiser since 1990
Real Estate License Law and Broker Instructor 1977 - 1983
Real Property Appraisal Instructor since 1977
Engaged in Real Estate Appraising since 1977
FHA Fee Appraiser since 1986
Expert Witness - United States District Court, Middle District of Florida
Expert Witness - Pinellas County 6th Judicial Circuit Court
Expert Witness - Palm Beach County 15th Judicial Circuit Court
Expert Witness - United States Bankruptcy Court
Expert Witness - Florida Division of Administrative Hearings

PROPERTIES APPRAISED
Single Family Residences, existing and proposed
Condominiums, existing and proposed
Duplexes, Triplexes, Apartment Houses, existing and proposed
Professional Offices, existing and proposed
Industrial Properties, existing and proposed
Vacant Residential, Commercial and Industrial Sites

ASSOCIATION MEMBERSHIPS
American Association of Appraisers
Designated Accredited Senior Appraiser (ASA) – Real Property
Designated IFA
National Association of REALTORS
Member Board of Directors
Member, Appraisal Committee, Chairman - 2002, 2011
Member, Valuation Work Group - 2010 - 2011
Member, Real Property Valuation Committee - 2012 - 2018
Founding Member, Real Estate Appraisal Section
Designated RAA
Florida Association of REALTORS
Member, Board of Directors
Florida Appraisal Council, Chairman - 1997, 1999, 2002, 2004, 2012
Public Policy Committee, Chairman - 2007
Pinellas Suncoast Association of REALTORS
President – 1992
Relocation Appraisers and Consultants

GOVERNMENT and RELATED POSITIONS

Member – Appraisal Subcommittee Advisory Committee for Development of Regulations –
2014 - 2015
Member - Florida Real Estate Appraisal Board, 2000 - 2008
Chairman, 2002, 2004, 2006, 2007
Participant - Florida Real Estate Appraisal Board Probable Cause Panel, 2000 - Present
Member - Appraisal Foundation State Regulator Advisory Group 2003 - 2007
Member - Association of Appraiser Regulatory Officials 2003 - 2007
Honorary Member - Association of Appraiser Regulatory Officials - 2008 – Present
 QUALIFICATIONS
FRANCOIS “FRANK” K. GREGOIRE ASA IFA RAA
State-Certified Residential Real Estate Appraiser #RD142

EDUCATION
Attended University of Florida, Gainesville, Florida, 1970 - 1971
St. Petersburg Junior College, St. Petersburg, Florida - Associate in Arts - 1976
Residential Real Estate Appraisal Course - National Association of Independent Fee
Appraisers - 1978
Techniques of Capitalization Course - National Association of Independent Fee Appraisers
1979
Narrative Report Writing Seminar - National Association of Independent Fee Appraisers -1982
Cash Equivalency Seminar - American Association of Certified Appraisers - 1983
Evaluation of Small Commercial Property Seminar - American Association of Certified
Appraisers - 1983
Course 101-Introduction to Appraising Real Property - Society of Real Estate Appraisers -
1985
Course 102 - Applied Residential Property Valuation - Society of Real Estate Appraisers -
1985
Uniform Residential Appraisal Report Seminar - Society of Real Estate Appraisers - 1987
Relocation Appraisal Seminar - PHH HOMEQUITY - 1990
Income Property Appraisal - Course II - National Association of Independent Fee Appraisers -
1991
Uniform Standards of Professional Appraisal Practice - National Association of Independent
Fee Appraisers - 1991
The New Uniform Residential Appraisal Report - National Association of Independent Fee
Appraisers - 1993
Litigation Valuation - National Association of Independent Fee Appraisers - 1994
Uniform Standards of Professional Appraisal Practice - Core Law Update Course
The Appraisal Institute - 1994
Power Lines and Electro-Magnetic Fields, Effect on Value - The Appraisal Institute - 1994
In the Wake of Natural Disasters - Lee and Grant - 1996
Uniform Standards of Professional Appraisal Practice - Core Law Update Course
Lee and Grant - 1996
Eminent Domain Appraisal - Lee and Grant - 1996
Fair Lending Requirements - Lee and Grant - 1996
Introduction to Environmental Considerations for the Appraiser - McKissock Data Systems -
1998
Regression Analysis: The Appraisal Approach of the Future- McKissock Data Systems -
1998
Uniform Standards of Professional Appraisal Practice - Core Law Update Course
McKissock Data Systems - 1998
HUD Appraisal Standards Update - Lincoln Graduate Center - 1999
Factory Built Housing - McKissock Data Systems - 2000
Uniform Standards of Professional Appraisal Practice - Core Law Update Course
McKissock Data Systems - 2000
Appraising 2 - 4 Family Properties - McKissock Data Systems - 2000
Uniform Standards of Professional Appraisal Practice Update for Instructors and Regulators -
The Appraisal Foundation - 2002
Uniform Standards of Professional Appraisal Practice - Core Law Update Course
McKissock Data Systems - 2002
Uniform Standards of Professional Appraisal Practice - 7 Hour National USPAP Update
Course National Association of Independent Fee Appraisers -2004
Instructor Continuing Education Seminar - Department of Business and Professional
Regulation Division of Real Estate - 2005
How to Meet Your Client’s Expectations - Appraisal Institute - 2006
Uniform Standards of Professional Appraisal Practice - 7 Hour National USPAP Update
Course - McKissock Data Systems - 2006
Instructor Continuing Education Seminar - Department of Business and Professional
Regulation Division of Real Estate - 2007
Instructor Continuing Education Seminar - Department of Business and Professional
Regulation Division of Real Estate - 2008
 QUALIFICATIONS
FRANCOIS “FRANK” K. GREGOIRE ASA IFA RAA
State-Certified Residential Real Estate Appraiser #RD142

EDUCATION (continued)

Uniform Standards of Professional Appraisal Practice - 7 Hour National USPAP

Update Course - McKissock Schools - 2008
Appraising REO and Foreclosure Properties - McKissock Schools - 2008
Introduction to Expert Witness Testimony - McKissock Schools - 2008
Florida Laws and Regulations - McKissock Schools - 2008
Florida Appraisal Supervisor -Trainee Roles and Relationships- McKissock Schools - 2008
Instructor Continuing Education Seminar - Department of Business and Professional
Regulation - Division of Real Estate - 2010
Uniform Standards of Professional Appraisal Practice - 7 Hour National USPAP
Update Course - McKissock Schools - 2010
Appraising FHA Today - McKissock Schools - 2010
Florida Appraisal Supervisor -Trainee Roles and Relationships- McKissock Schools - 2010
Uniform Standards of Professional Appraisal Practice - 7 Hour National USPAP Update
Course - McKissock Schools - 2012
Instructor Continuing Education Seminar - Department of Business and Professional
Regulation - Division of Real Estate - 2012
Foreclosure Basics for Appraisers - Ed Klopfer Schools of Real Estate - 2012
Mortgage Fraud: A Dangerous Business - Ed Klopfer Schools of Real Estate - 2012
Challenging Assignments for Residential Appraisers - Ed Klopfer Schools of Real Estate -
2012
Uniform Standards of Professional Appraisal Practice - 7 Hour National USPAP
Update Course – Appraisal Seminars – 2014
Litigation Assignments for Residential Appraisers: Doing Expert Work on Atypical Cases –
Appraisal Institute – 2014
The Cost Approach – McKissock Schools - 2014
Residential Appraisal Review – McKissock Schools – 2014
Instructor Continuing Education Seminar - Department of Business and Professional
Regulation - Division of Real Estate – 2014
Uniform Standards of Professional Appraisal Practice - 7 Hour National USPAP Update
Course - McKissock Schools – 2015
Florida Appraisal Laws and Regulations – McKissock Schools – 2016
The New FHA Handbook 4000.1 – McKissock Schools – 2016
The Nuts and Bolts of Green Building for Appraisers – McKissock Schools – 2016
Managing Appraiser Liability – McKissock Schools - 2016
Uniform Standards of Professional Appraisal Practice - 7 Hour National USPAP Update
Course – Appraisal Institute – 2016
Supervisor-Trainee Course-McKissock Schools – 2016
Uniform Standards of Professional Appraisal Practice - 7 Hour National USPAP Update
Course - McKissock Schools – 2017
Florida Appraisal Laws and Regulations – McKissock Schools – 2018
Supervisor-Trainee Course-McKissock Schools – 2018
Fannie Mae Appraisal Guidelines: Debunking the Myths – McKissock Schools - 2018
That’s a Violation – McKissock Schools – 2018
The Dirty Dozen – McKissock Schools - 2018

Gregoire & Gregoire, Inc. was incorporated in 1986 by Donald K. Gregoire IFA and Francois K.
Gregoire IFA RAA. We provide valuation, expert witness and consulting services for a wide variety of
local and national clients. Among them are Banks, Mortgage Companies, Relocation Companies,
Insurers, Realtors, Attorneys, Private Individuals and Local, State and Federal Government Agencies.

Francois K. Gregoire, IFA, RAA is a second generation Realtor, real estate broker and Appraiser. He
has been involved in Real Estate Appraisal since 1977 and is a member of the National Association
of REALTORS Appraisal Section, Relocation Appraisers and Consultants, and a Designated (IFA and
ASA) member of the American Society of Appraisers. In addition to providing Appraisal, Appraisal
Review, and Expert Witness services for private and government clients, Frank has authored
continuing education courses for Florida real estate and appraiser licensees. Articles and studies
authored by Francois Gregoire have been published in the REALTOR® Magazine, LIVE Valuation,
Appraisal Buzz, and the Journal of Property Economics.

In February 2000, Francois K. Gregoire was appointed by Governor Jeb Bush to the Florida Real
Estate Appraisal Board, the regulatory agency for Florida Real Estate Appraisers. He was appointed
to a second term in March 2004. Francois K. Gregoire served as Chairman of the Florida Real Estate
Appraisal Board in 2002, 2004, 2006 and 2007 and Vice Chairman in 2001, 2003 and 2005. He
continues to provide service to the Florida Real Estate Appraisal Board as a member of the Board’s
Probable Cause Panel.

In June 2012, Frank appeared as a witness before the Insurance, Housing and Community
Opportunity Subcommittee of the U.S. House Committee on Financial Services. His testimony was
related to Federal Appraisal Oversight.

Frank is one of 18 individuals appointed to the Appraisal Subcommittee Advisory Committee for the
Development of Regulations. The Advisory Committee was established as a result of Dodd-Frank
amendments to the Financial Institutions Reform, Recovery and Enforcement Action (FIRREA), and
appointments were made in March 2014 by the Chairman of the Appraisal Subcommittee of the
Federal Financial Institutions Examination Council. He served until the Advisory Committee submitted
their recommendations in May 2015.