4structures.com, LLC Settlement Consulting and settlement planning services. Structured settlements, structured sales, structured celebrity endorsement fees, structured settlement annuity brokerage and the placement of related products as part of innovative applications and periodic payment solutions for the resolution of complex litigation claims in jurisdictions throughout the USA and on select projects outside of the USA.



FINRA Series 7 63 and 66

Ins. Licenses held in AL AZ CA CO CT DE FL, GA, HI, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NY, NV, OH, OK, PA, SC, TN, TX, RI, UT, VA, VT, WA, WI, WV & DC.

William H. Purcell has over 40 years of experience in Investment Banking, Mergers and Acquisitions, and other Finance Issues. He is currently a Senior Director at Seale & Associates, a boutique investment bank with both U.S. and foreign clients. Seale is focused on Mergers and Acquisitions, Corporate Finance Advisory, and Strategy Consulting. Mr. Purcell's past client coverage includes such companies as Anheuser-Busch, Hoechst Celanese, Volkswagen, and Metropolitan Life to name a few. He was also appointed CEO of a publicly traded company going through bankruptcy proceedings. Additionally, Mr. Purcell has been a director on several corporate boards.

Through his relationship with Seale & Associates, Mr. Purcell has affiliations with professors at The George Washington University Business School and the University of Virginia Business School. He has been an occasional guest lecturer in investment banking and finance at George Washington University and Monmouth University.

Consulting Services Include

• Mergers and Acquisitions - LBOS and Recapitalizations
• Fairness Opinions
• Adequacy Opinions
• Solvency Opinions
• Valuations
• Damage Issues
• Fiduciary Issues
• Advice to Special Committees of Boards and Trustees
• Due Diligence and Disclosure Issues
• Financing of debt and Equity - Public and Private
• Leasing and Real Estate Financing

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MCS Associates is a nationally recognized consulting group that has provided financial, operations and regulatory/compliance consulting services nationwide to financial institutions, insurance companies and regulatory agencies as well as real estate and financial services organizations for over 30 years.

Expert Witness and Litigation Consulting are a primary focus of our services. We undertake expert witness assignments throughout the United States and our clients include several hundred leading law firms around the country, working on behalf of both plaintiff and defendant financial institutions, borrowers, depositors, investors, developers, insurance companies and their insured, securities/insurance/real estate brokers/agents, regulators and government agencies, and individuals.

Together with MCS Associates’ specialized resources in banking, financial services and real estate, we also draw on key strategic alliances in insurance, economics, academia and the securities industry to meet a wide range of expert witness needs. Our litigation experts include experienced bankers, lenders, consultants, regulators, managers, brokers & agents in insurance, real estate, and securities; insurance claims and underwriting managers; economists, accountants, appraisers, real estate analysts, and academics.

Areas of Expertise Include:

Banking Operations/Administration

Check Fraud

Lending Policies, Custom and Practice

Loan Underwriting & Credit Administration

Sub Prime Loan Originations, Underwriting, Securitizations & Servicing

Bankruptcy, Foreclosures and Workouts

Trust & Fiduciary Issues / Operations

Securities Brokerage & Investments

Valuations & Damages Analysis

Forensic Accounting

Employment / Compensation

Real Estate Brokerage & Management

Title Insurance & Escrow

Real Estate Appraisal & Transactions

Insurance Industry Custom & Practice

Insurance Coverages / Claims Handling

Insurance Bad Faith

Analytic Focus specializes in Financial, Economic, Demographic, and Statistical Research. We're Ph.D.s with decades of experience working in academia, industry, and Federal agencies. We provide exceptional value in interpretation of data, insight regarding business problems, and scholarship on best practices.

We estimate numbers needed for the best representation of your client. We evaluate flaws in analyses underpinning your arguments or your opponents. We've testified in Federal & State courts.

Complex Litigation
Antitrust, Deceptive Sales Practices, Securities & Lost Sales

Banking & Finance
Misrepresentation & Fraud, Securitizations, Regulation

Insurance & Reinsurance
Breach of Contract, Risk & Pricing Issues

Environmental/Mass Tort
Validity of Claims, Damages & Volume of Claims Forecasting

Class Actions and Class Certification
Commonality, Predominance, Mass Valuation

Fair Housing, Fair Lending, Labor & Employment
Discrimination & Disparate Impact

Intellectual Property
Trade Mark, Trade Dress, Patent Infringement
Confusion, Dilution, Lost Profits, Diverted Sales

Profile: 43+ yrs experience in financial, mortgage & business institutions including 17+ President, CEO & Director & 6+ director of a mortgage company. 15+ years of leadership/ directorships in national & state trade associations. Over 375 federal & state nationwide cases i for FDIC, FannieMae, financial institutions, mortgage companies, businesses, non-banks, individuals. Services provided: consulting, depositions, reports, affidavits & court testimonies.

Expertise: Financial Institutions, Mortgage Institutions, Business, Real Estate. Loans (mortgage,construction, real estate, business, SBA, international, consumer, etc.); Operations; Fraud; Check ops; EFT; Lender Liability; Policy & Procedures; Fiduciary Duties, D & O conduct, Other. Reports, depositions & court testimony in Federal, Bankruptcy & state courts.

375+ nationwide cases working both for defendants and plaintiffs.

16+ years of in-house, industry, and outside expert witness experience.

75+ depositions taken and 35+ court appearances in both Federal and state courts.

Clients: FannieMae, FDIC, ABN AMRO Mortgage, Viacom, Wells Fargo Bank, State of CA, Bank of America, Amex, Citicorp Mortgage, Washington Mutual, Viacom, Bank One, Long Beach Mortgage, EMC Mortgage, JPMorganChase Bank, PacifiCare, Beal Bank, Avnet, Fidelity Title & First American Title

Approximately 40% of cases are for financial institutions, 40% against financial institution and 20% are other.

Serving clients nationally— 50% plaintiffs and 50% defendants.

Resume, fee information and references provided on request.

Alistair Hynd has over 15 years experience in Corporate Finance. He heads the Project Finance and Financial Modelling Team that functions at Baker Tilly Corporate Finance, LLP (Baker Tilly). Mr. Hynd specialises in Project Finance, PFI, PPP and Debt Advisory plus Financial Modeling. Mr. Hynd is an Associate of the Institute of Chartered Accountants in England and Wales (ICAEW) and member of the Institute's Corporate Finance faculty. He is also a full member of the Association of Corporate Treasurers.

Mr. Hynd's team at Baker Tilly can become involved in Project Finance or Financial Modeling in three ways:

Financial Adviser to the Government – structuring projects, evaluating bids, and negotiating detail

Financial Adviser to the Consortium – assembling the bid, refining and optimising it, and acting as interface with funding markets

Acting for the Banks and other Lenders - providing reassurance that the model on which they are lending is fit for purpose.

Other Services Include

Capital Markets: Reporting Accountants, Flotation e.g. advice on Financial Structuring, Accounting Systems and Policies, Share Option, Director / Employer Benefits, Audit and Taxation services

Due Diligence: Historic Performance, Cash Flows, Assets and Liabilities, Forecasts, Working Capital Requirements, Financial Systems and Controls, Taxation

Mergers and Acquisitions / Private Equity:Preparing / Maximise Value from Business Sales, Negotiate Terms and Raise Private Equity / Debt Finance to Support Management Buy Out or Buy In, Raising Private Equity / Debt Finance for Growth, Cash Out or Recapitalisation, etc.

Valuations: Shares, Businesses, Options and Warrants, Various Derivatives, Brands and other Intellectual Property, Film and Media Rights,Income Producing Assets

Offices:
150 Allen Road, Suite 100 Liberty Corner, NJ 07938	8 Kate's Lane Boxford, MA 01921

Profile: J. Michael Feeks, one of the founders of Bank Experts Group, provides consulting services to banks and bank clients, and litigation support and expert witness services to law firms.

Services to Financial Institutions:

• Turnaround Strategies
• Crisis Management and Recovery
• Regulatory Relationships
• Loan Review, Administration and Workout
• Management Policies, Practices and Procedures

Services to Bank Clients:

• Loan Workout, Refinancing
• Re-negotiation of Business and Commercial Real Estate Loans

Services to Law Firms:

• Litigation Support and Expert Witness Services
• Consultation and Testimony in Commercial and Real Estate Lending, Business and Consumer Banking Operations and Management, and Bankruptcies and Frauds

Background: 35+ years banking experience. 10+ years consulting experience. Served major bank in lending, branch operations and management. Served community banks as president, director and other senior positions. MBA – New York University. Graduate – Manhattan College and Stonier Graduate School of Banking.

Bank Experts Group is a consulting firm that provides litigation support in banking-related matters and specialized assistance to banks and other financial institutions. The principals are experienced former bankers, regulators and educators with extensive experience in bank management.

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Randall McCathren is a national authority on Retail Vehicle Leasing and Financing. As President and General Counsel of BLC Associates, he specializes in auto finance and lease regulatory compliance, wholesale lending; residual risk management, residual value insurance auditing and analysis, financial analysis and modeling of portfolio performance, lease and loan program design, and end-of-term lease remarketing and telemarketing.

Mr. McCathren has designed a number of analytic software packages for lease pricing and evaluation of lease program performance and profitability. He is frequently cited in both the trade and popular press on his assessments of the auto leasing business including: The Wall Street Journal, Newsweek, Forbes, Fortune, The Los Angeles Times, The New York Times, The Washington Post, USA Today, Business Week and Automotive News, and has made numerous television appearances on behalf of the industry.

Mr. McCathren is the co-author of the only two books devoted exclusively to the technical requirements of the vehicle leasing business: The Automobile Lending and Leasing Manual (1989) and the Essentials of Consumer Vehicle Leasing (1985), as well as Auto Financing Update.

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Carol A. Fidler Kayes is currently practicing as C. A. Fidler & Associates, Inc. She provides a full range of accounting and tax services, valuation and litigation support, with emphasis on Valuations for Employee Stock Ownership Plans, Estate and Gift Tax. Valuations are provided for various industries, including services and manufacturing. Ms. Fidler has given Expert Witness testimony in several cases in Franklin County, Ohio and in other counties of Ohio for divorce, bankruptcy, ESOP-related cases, personal injury and wrongful death.

Roland D. Freeman, CPM, CRE, FRICS, President of Capital Consultants Realty Services, offers Development and Management Consultation Services for Multifamily Properties. During the last 50 years, Mr. Freeman estimates that he has been to 2,000 closings and signed nearly one billion dollars worth of real estate mortgages. Mr. Freeman has been a team member in the development of 5000 apartments in 44 different properties, several hundred thousand square feet of office and retail space and seven subdivisions. His acquisition experience covers more than 65,000 apartments in 297 properties, several million square feet of commercial properties, 2,000 acres of land and spans 26 states.

Mr. Freeman has acted as asset manager for four entities (venture capital fund, pension funds and individual owners) with assets encompassing 8,000 apartments. Acting as a management consultant, he advised four management companies on general issues ranging from organizational structure to compensation policies and construction inspections. His clients include Seneca Investments, E-Systems Pool Trust, Olympus Real Estate, Southwest Sports (Hicks, Muse), Merit Texas Properties, Rent Roll, Inc., as well as several developers and property management firms on an “as needed” basis.

Consultation Areas:

Diagnostic Investigations Zoning & Land Use Property Management Selection Development Asset Management Property Audit Condition & Predictive Reports Fraud Investigation Market Research Contract Negotiation Business Decisions and Planning Asset Management Decisions Property Security Issues Acquisition Due Diligence Real Estate Finance

Federal Income Tax Issues Development Feasibility Property Tax Assessment Re-development Feasibility Insurance Evaluation Property Valuation Syndication Investment Evaluation Group Investment Valuation Workout Strategies / Workout Negotiations Bankruptcy Plan Feasibility Liquidation Plans Rental Markets Tenants-In-Common Issues

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