EW #519  career spans nearly 40 years in the financial and legal communities. He has served in a variety of Senior Management positions, including Chief Executive Officer. He has consulted on litigation issues in more than 500 cases before Federal and State courts with trial and deposition experience since 1990.

Specialty areas in which EW #519  's expertise is recognized include Operations Policy and Procedures, Deposit and Check Fraud, Lender Liability, Loan Review and Analysis, Credit Policy, Management and Board of Directors Duties and Responsibilities, Personnel, Branch Administration, Codes of Conduct, Conflict of Interest and Insider Transactions.

Education:
1955 - 1959 CLAREMONT MCKENNA COLLEGE Claremont, California - BA Degree: Business/Economics
1970 - 1973 UNIVERSITY OF WASHINGTON Seattle, Washington - Graduate, Pacific Coast Banking School
1978 UNIVERSITY OF SOUTHERN CALIFORNIA - Graduate, Managerial Policy Institute

Professional Affiliations: (current and former)
Board Certified Forensic Examiner and Fellow, American College of Forensic Examiners.
Risk Management Associates, So. California Chapter (Chapter President, 1988/1989)
Claremont McKenna College, President's Advisory Council (former Trustee and Alumni Association President)

Professional Career:
11/89 to Present Newhall, California
Litigation support and financial industry consulting for law firms, banks, insurance and bonding companies. Specialty areas and cases handled included Lender Liability, Board of Directors, Code of Conduct, Branch Administration, Credit Policy, Loan Review and Analysis, Conflict of Interest, Insider Transactions, Personnel, and Operations Policy and Procedures.

1/92 TO 12/92 UNITED CITIZENS NATIONAL BANK Los Angeles, California
PRESIDENT AND CEO
Approved by the Comptoller of the Currency, for a temporary assignment to manage this community bank located in the Korea Town section of Los Angeles. Major areas of emphasis were credit quality and risk assessment, law violations and compliance, policy and procedure development, Community Reinvestment Act compliance, Board of Directors education and improved regulatory relations.

8/85 TO 10/89 PACIFIC INLAND BANK Anaheim, California
PRESIDENT AND CEO
Served on both the Bank and Bancorp Boards of Directors (NASDAQ listed). Bancorp activities included a Registered Investment Advisor and a Venture Capitol Corporation. Bank operated the only independent Bank Trust department in Orange County. Assisted in the start-up of PIB Mortgage Company, a wholesale mortgage banking firm that originated and serviced residential first mortgages in northern and southern California.

3/83 TO 5/85 COAST SAVINGS AND LOAN Los Angeles, California
SENIOR VICE PRESIDENT COMMERCIAL BUSINESS DIVISION
Initiated the commercial banking function for this $6.5 billion savings and loan. Also acted as Interim Head of the Commercial Real Estate Division and negotiated the $10 million purchase of a commercial finance company. Member of Asset-Liability, Executive Loan and Thrift Savings committees. Served as Vice Chairman and Director of CoastFed Business Credit Corporation.

6/59 1977 TO 3/83 1983 SECURITY PACIFIC BANK Los Angeles, California
SENIOR VICE PRESIDENT AND DIVISION ADMINISTRATOR
Managed all functions of the Mid-Cities Division, consisting of 5 Regions and 128 banking offices. Accountable for $4 billion in deposits, $2.3 billion in loans, and 2,150 staff in the greater Los Angeles area. Member, Personnel Policy Committee. Loan Authority: $5 million.

1976 - 1977 SENIOR VICE PRESIDENT AND ADMINISTRATOR, CREDIT SERVICES DEPARTMENT
Senior Credit Officer for the California Banking Office System. Accountable bank-wide for Credit Review, Credit Information and Services and Credit Training. Served as Vice Chairman of the Banking Office, Corporate Banking, Agricultural Loan and the Senior Loan committees. Loan Authority: $10 million.

1974 - 1976 SENIOR VICE PRESIDENT AND MANAGER, PUBLIC AFFAIRS DEPARTMENT
Managed operations of the Government Relations, Community Relations, Public Affairs, Press Relations and Corporate Contribution Departments. Included was lobbying, public speaking and Congressional Testimony as well as accountability for the weekly house organ and the Corporation's quarterly and annual reports to Stockholders.

1959 - 1974 Various Numerous Branch and Administrative positions


LITIGATION HISTORY : extensive list available upon request

FEE SCHEDULE :
Litigation Support: Time is billed at $250.00 per hour, in fifteen-minute modules, for research, telephone and office conferences, preparation for deposition and trial, and travel. Reimbursement for normal out of pocket expenses, including office and travel, will also be billed. For assignments involving out of state travel for flights longer than two hours duration, travel will be on a business or first class basis.

Testimony Time: Actual testimony time at a deposition or trial will be billed at $325.00 per hour, in fifteen-minute modules. Unless specific prior arrangements are made, there will be a four-hour minimum per day.

Initial Billing: The first bill will include time spent in the initial contact, and any interviews and consultation prior to formalizing the assignment.

Advance Deposit and Mnimum Fee: Unless specific arrangements are made during the initial contact, as advance retainer and non-refundable minimum fee of $3,000 is due payable at formal designation of me as an expert witness in a legal pleading. The disclosure of me to opposing counsel as a potential expert witness. The initial retainer will be applied against work performed on the last billing.

Designation Prior to Assignment: Designation or disclosure of my name to opposing counsel is of value, requires prior approval and consideration, indicates your acceptance of my retention, and requires the payment of the minimum fee.

Billing and Payment: Work will be done against an advance retainer and not beyong the retained amount. Billings are submitted bimonthly. Daily time sheets are maintained for attorney/client review if necessary. Bills are due on submission and delinquent after fifteen days. Accounts that are past due more than thirty days are subject to late charges at the legal maximum rate and a $35.00 monthly rebilling fee. Outstanding bills must be settled prior to deposition and trial testimony.