QUALIFICATIONS OF HEATHER J. ROSS, MRA, SRA

LICENSE

Massachusetts Certified General Real Estate Appraiser License # 1434

FHA Registration # MA 1434

EDUCATION

Emerson College, Sussex, England, Arts and Sciences

Daemen Collage, Buffalo, New York, BFA/Cum Laude

Boston University, Boston, MA, MSW/ Clinical SW/ LCSW

Appraisal Institute:

Course: 7-Hour National USPAP Update Course 2016-2017 (09/30/2017)

Seminar: The 50% FEMA Appraisal Rule; Webinar 032515 (9/9/17) Seminar: New England Appraisers Expo: Commercial Program: Transportation & Real Estate Synergies & Private Student Housing (10/24/2016)

Course: Residential Applications: Using Technology to Measure and Support Assignment Results (5/24/16)

Course: Residential Market Analysis and Highest & Best Use (12/2014 w/exam)

Seminar: High Performance Energy Efficient Residential Construction (9/16/2014) Course: Residential Site Valuation and Cost Approach (10/2013 w/exam)

Course: Real Estate Finance Statistics & Valuation Modeling (2013 w/exam)

Course: 7-Hour National USPAP Update Course 2012-2013 (12/2012)

Course: Real Estate Appraisal Operations (Online – 2011)

Course: Real Estate Finance Statistics & Valuation Modeling (Online – 2011)

Course: 7 Hour National USPAP Equivalent Course 2010-2011 (Online – 2011)

Course: Business Practices & Ethics (Online – 2010)

Course: Advanced Residential Report Writing/ Part 2 (2008)

Course: Advanced Residential Applications and Case Studies/ Part 1 (2008)

Course: Rates and Ratios: Making sense of GIMs, OARs, & DCF (Online – 2008)

Course: 7-Hour National USPAP Equivalent Course 2008-2009 (Online – 2008)

Course: Appraising Convenience Stores (Online w/case study – 2008)

Course: 7-Hour National USPAP Update Course (2006)

Course 550: Advanced Applications – Four Commercial Case Studies (2006)

Course: Analyzing Operating Expenses (Online w/exam – 2005)

Course: The Professional’s Guide to the Uniform Residential Appraisal Report

(Online w/exam – 2005)

Course I400: 7-Hour National USPAP Update Course (2005)

Course 410: Uniform Standards of Professional Practice, Parts A & B (2004)

Course 600: Income Valuation of Small, Mixed-Use Properties (2003)

Course II520: Highest & Best Use and Market Analysis (2002)

Course 430: Standards of Professional Practice, Part C (2000)

Seminar: General Demonstration Appraisal Report Writing Seminar for the MAI

Designation (2000)

Course: The FHA and the Appraisal Process (1999)

Course II540: Report Writing and Valuation Analysis (1999)

Course: New Industrial Valuation (1998)

Course : Condominium Analysis and Project Valuation (1989)

Course 420: Standards of Professional Practice Part B

Course 410: Standards of Professional Practice Part A

Course 202: Applied Income Property Valuation (1991)

Course 101: Introduction to Appraising Real Property (1991)

American Society of Farm Managers and Rural Appraisers

Seminar: Uniform Appraisal Standards for Federal Land Acquisitions

“Yellow Book” Seminar (2004)

Massachusetts Board of Real Estate Appraisers:

Seminar: 2018 New England Appraisers Expo: Commercial Program Course Approval #580032 Seminar: 2017 New England Appraisers Expo: Commercial Program Course Approval #580019 Course: 7-Hour National USPAP Update Course 2018-2019 (12/6/2017) Seminar: 2015 New England Appraisers Expo (10/19/15) Commercial Program: Innovative Regional Development in the Downtown Boston / Seaport Area and Innovative Regional Development Outside the Urban and Suburban Areas Course: Supervising the Trainee Appraiser: National Regulations and Responsibilities Course: 7-Hour National USPAP Update Course 2014-2015 Seminar: 2014 New England Appraisers Expo (10/6/14): Commercial Program: Functional Obsolescence. Convenience Stores: Overview, Trends and Valuation Seminar: 2013 New England Appraisers Expo (10/2013)

Seminar: Financial Institutions Guide to Commercial Appraisal (2013)

Seminar: Appraisal of 204 Family & Multi-Family Properties (2011)

Seminar: Uniform Appraisal Dataset (UAD) Seminar (2011)

Seminar: USPAP Update seminar (1999)

Seminar: Environmental Issues Part I – Title V and the Appraiser

Seminar: Property Inspection Techniques for the Residential Appraiser

Seminar: Department of Housing & Urban Development (HUD)

Seminar: Changes to the Standards: Departure and Appraisal Reporting Options

Seminar: The New URAR Form

Seminar: Real Estate Valuation and Litigation

Seminar: Subdivision Planning for Appraisers (1997)

Society of Real Estate Appraisers:

Seminar: Appraising Conservation Easements

Seminar: Land Planning and Residential Subdivision Development

Course 201: Principles of Income Property Valuation (1990)

Harvard University Graduate School of Design and Professional Development (2000):

Seminar: Golf Course Development – Rounds, Rates, Revenues, Design

Seminar: Golf Course Development – Design Foresight and Impacts on Cost

& Operating Expenses

The American Society of Appraisers

Course: SE: 100: Uniform Standards of Professional Appraisal Practice (1998)

National Association of Realtors (1991):

Seminar: REALTOR Code of Ethics Training Non-CE V2 (12/2016) Course: Real Estate Analysis (1991)

Course: The Basics of Appraisal, Course I

Course: Real Estate Analysis, Course II

Course: Sales Comparison Approach, Course III

Course: Cost and Income Approaches, Course IV

Course: Appraisal Standards and Ethics, Course V

Cape Cod Community College:

Seminar: Growth Management and Land Use Control on Cape Cod

The Boston Globe/Securities and Exchange Commission

Seminar: Personal Finance Conference and Expo (1999)

Seminar: Real Estate Investment and Family Trusts

BUSINESS EXPERIENCE

Principal and Senior Partner, Cape Cod & Islands Appraisal Group, LLP, 1998 to present

Principal, Ross Real Estate Appraisals, Barnstable County, MA, 1992 – 1998

Robert M. Armstrong, MAI, Brewster, MA, 1992 – 2001

Paul V. O’Leary & Associates, Brewster, MA 1996 -1998

Cape Cod & Islands Appraisal Associates, Inc, Orleans, MA, 1992 – 1995

Saben and Associates, West Yarmouth, MA, 1990 – 1992

FSI Appraisal Company, Northampton, MA, 1988 – 1990

Daland & O’Leary Real Estate Appraisals, Brewster, MA 1983 – 1987

ASSOCIATE MEMBERSHIPS

Appraisal Institute, SRA Designated Member, Candidate for MAI designation

State Office of Minority and Women Business Assistance (SOWMBA) Woman Business Enterprise (WBE) Certification #531320

Appraisal Institute Minority and Women Directory of Real Estate Appraisers, 2000 – present

Massachusetts Board of Real Estate Appraisers, RA Designated Member

Boston HUD Office Roster, Registered Year 2007 – present (with exam) Registration # MA 1434; also qualified to prepare Reverse Mortgage appraisals for the HECM program

Cape Cod & Islands Board of Realtors, 2002 – present (inactive)

EXPERT WITNESS TESTIMONY

Barnstable Probate and Family Court

County of Barnstable

Barnstable County Superior Court

County of Barnstable

Essex Probate and Family Court

County of Essex

Superior Court of the State of California

County of San Mateo