STAFF QUALIFICATIONS

Retail Buildings
Self Storage Facilities
Warehouse Condominiums
Office Condominiums

GENERAL

August 1991 - Present
Principal and Senior Review Appraiser
Evaluation and Review Associates, Inc. - Olney, MD

Appraising all types of income-producing real estate including office buildings, shopping centers, commercial/industrial buildings and unimproved land.
Clients include National and State Chartered Banks, Institutional Investors, Federal, State and Local Government Agencies, Attorneys and Private Investors.

PROFESSIONAL AFFILIATIONS – PAST AND PRESENT

Member of the Appraisal Institute (MAI) No. 11768
Appraisal Institute - General Review Specialist (AI-GRS)
Member of the Board of Directors of the Appraisal Institute - Washington, D.C. Chapter
Member of the Robert Morris Associates - Potomac Chapter
Member of the Washington Area Self Storage Association
Member of the Greater Washington Board of Trade
Member of the Maryland-National Capital Building Industry Association

PROFESSIONAL CERTIFICATIONS

Certified General Real Estate Appraiser - State of Maryland (License #04-5908)
Certified General Real Estate Appraiser - Washington, D.C. (License #GA 10241)
Certified General Real Estate Appraiser - Commonwealth of Virginia (License #4001 002511)

GENERAL EDUCATION

The American University - Washington, D.C.
Kogod College of Business Administration
M.S. - Finance, December 1986

The Pennsylvania State University - University Park, PA
College of Health and Human Development
M.S - March 1981

The Pennsylvania State University - University Park, PA
College of Health and Human Development
B.S. - June 1979

PROFESSIONAL EDUCATION

The Appraisal Institute
Real Estate Appraisal Principles
Real Estate Appraisal Procedures
Report Writing
Highest and Best Use and Market Analysis
Capitalization Techniques (Part A and Part B)
Advanced Applications (Formerly Case Studies)
Uniform Standards of Professional Appraisal Practice
Understanding Limited Appraisals and Appraisal Reporting Options
Separating Real Property From Intangible Business Assets
Appraising From Blueprints And Specs
Appraising Partial Interests
Analyzing Distressed Properties
Appraising Convenience Stores
GIS Applications For Real Estate Appraisal
Case Studies In Highest And Best Use
Data Verification Methods
Business Practices and Ethics
Appraisal Curriculum Overview
Litigation Appraising - Specialized Topics And Applications
Appraisal Review Theory - General


Mortgage Bankers Association:  Introduction to Construction Lending
Mortgage Bankers Association:  Income Property Finance I
AIB/ABA:  Commercial Lending School
RMA-OMEGA:  Commercial Loans to Business

PROFESSIONAL EXPERIENCE

June 1992 - January 1997
Vice President and Examiner-In-Charge - Credit Review Division
NationsBank - Baltimore, MD

January 1994 - December 1995
Associate Appraiser
Libeg, Moroney & Associates, Inc. - Rockville, MD

January 1990 - December 1993
Associate Appraiser
Philip R. Lamb & Co. - Silver Spring, MD

March 1988 - May 1992
Senior Vice President and Senior Lending Officer
Metropolitan Bank, N.A. - Washington, D.C.

June 1987 - March 1988
Director of Financial Operations
Benco Enterprises, LTD. - Bethesda, MD

1983 - May 1987
Assistant Vice President
First American Bank of Maryland - Silver Spring, MD

REPRESENTATIVE APPRAISAL CLIENTS

National and State Charter Banks, Savings Banks and Thrifts, Institutional Investors, Federal and Local Government Agencies, Attorneys and Private Investors

REPRESENTATIVE TYPES OF PROPERTY APPRAISED

Office Buildings
Vacant Land
Apartment Projects
Churches
Service Stations

WELCOME TO EVALUATION AND REVIEW ASSOCIATES, INC.

OTHER

Gallup, Thomas P. "Lending Lessons Learned During Recessions Don't Change With Time" Commercial Lending Newsletter, July 1992, Robert Morris Associates. Philadelphia, PA.

Gallup, Thomas P. "Two Approaches to Valuing Contaminated Real Estate" Commercial Lending Newsletter, June 1996, Robert Morris Associates. Philadelphia, PA.

Gallup, Thomas P. "An Appraisal Update - Questions and Answers for Users of Appraisals and Evaluations" Prime Interest, Summer 1997, Robert Morris Associates. Charlottesville, VA.

Panelist Loan Review Providers Roundtable Maryland National Capital Area Field Office – Comptroller of the Currency (Washington, D.C.), September 2001.

Qualified As Expert Witness: Superior Court of the District of Columbia

Qualified As Expert Witness: United States Bankruptcy Court for the District of Columbia

Qualified As Expert Witness: United States Bankruptcy Court for the District of Maryland