So I was doing some experimenting and exported the default avatar with the following export settings:
60% of original size (was 846x459) - Click to enlarge

However, when I imported the character into 3ds max, I noticed the normals on some areas of the character's body were seemingly flipped.

60% of original size (was 846x459) - Click to enlarge
Note the square patch in the lower-right window.  This also showed up when I imported into Unity3d.  It was fixed if I chose to calculate normals instead of import.

Additionally, this was fixed when I used the merge UV export functionality.  Anyone else run into this issue?