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contributors Get to know the experts and insiders behind this issue. KEITH BUTTON is a publications editor for Ernst & Young in New York and a freelance writer. As a reporter for Hedge Fund Alert, he broke the story on the Bear Stearns hedge fund meltdown in June 2007 that kicked off the credit crisis. In addition to reporting on the hedge fund sector, Button writes for publications covering bank technology, mutual fund boards, broker-dealers, chief financial officers, military intelligence technology, and agriculture. He also served as a reporter for the Watertown Daily Times in northern New York for 10 years and researched and wrote white papers for various industries. TOM DEUTSCH is the executive director of the American Securitization Forum (ASF), serving to implement the organization's securitization market advocacy initiatives. He also held the roles of acting executive director, deputy executive director, and associate director with the secondary market trade group. Before joining ASF, he was an associate in the capital markets department of Cadwalader, Wickersham & Taft LLP where he represented issuers and underwriters in various , structured finance offerings, including residential mortgage-backed securitizations and asset-backed securitizations. Prior to that, he served as an associate at McKee Nelson LLP where he focused on residential mortgage-backed securitizations. , BRAD FROELICH is the chief appraiser at USRES. He oversees all aspects of the company's valuation products, including appraisals, broker price opinions (BPOs), reconciled market values, and reviews. Froelich became a certified appraiser in 1993 and has worked exclusively within the finance industry for the past 27 years as a residential appraiser and auditor. He has provided key editorials to various default real estate publications and has served on the DS News Editorial Advisory Board. He has also participated as a panelist and speaker at numerous default and REO valuation seminars. CHUCK GREEN is an Atlanta-based freelance writer. He has more than 30 years' experience as a researcher, editor, and journalist. He reports on various aspects of business, finance, real estate, and healthcare for both B2B and consumer publications. His work has appeared in a number of publications, including the Chicago Tribune, Los Angeles Times, WallStreetJournal.com, Washington Post, San Francisco Chronicle, Crain's Detroit Business, Crain's Chicago Business, Real Estate Executive Magazine, California Real Estate Association Magazine, AirTran Magazine, and Utah CEO Magazine. ROBERT HOCKETT teaches financial and business law at Cornell Law School, focusing his research and writing on the legal and institutional prerequisites to a just and prosperous economic order. He is also a consultant to a number of, regulators, legislators, and financial institutions, one of which is Mortgage Resolution Partners, the group behind the controversial eminent domain proposal under consideration by authorities in California. Hockett is also a fellow at The Century Foundation and a commissioned author for the New America Foundation. Prior to entering legal academe, he worked at the International Monetary Fund. MARK LIEBERMAN, economist for the Five Star Institute, parent company of DS News, lends his analysis and observations to the many financial and industry reports crossing the news desk. He is also managing director and senior editor for Economics Analytics Research. He previously worked as an analyst for Fox Business, was VP and manager of analysis and research for Washington Mutual Bank, and managed the foreclosure department at Dime Savings Bank of New York. He is a graduate of the Wharton School of Finance and Commerce at the University of Pennsylvania. BRIAN D. MONTGOMERY is partner and chairman of the Collingwood Group LLC, a firm he co-founded after serving as HUD's assistant secretary for housing and commissioner of the Federal Housing Administration. Appointed under President George W. Bush in 2005, he was asked to stay on as FHA commissioner by the Obama administration, and he did until July 2009. He was also a member of the Executive Offices of President George W. Bush and President George H.W. Bush. Montgomery's professional experiences afforded him a unique and incisive perspective on the issues and policies shaping housing and financial services. EDWARD PINTO is a resident fellow at the American Enterprise Institute (AEI). An EVP and chief credit officer for Fannie Mae during the mid- and late-1980s, Pinto has conducted groundbreaking research on the role of government housing policies in the lead-up to the financial crisis. His data revealed striking facts about the contributions of housing policy to the mortgage crisis, and two of his major research papers were submitted to the Financial Crisis Inquiry Commission. At AEI he continues this work and researches policy considerations and options for rebuilding the nation's housing-finance sector. 6 chairman and chief creative officer chief operating officer sponsorships national director of force force executives marketing design production economist corporate office washington bureau Mark Hulme Rick Creel Jason Myers: 214.525.6760 Ami Curtis Brandi Jobe Brook Keller Travis Bogdon Matt Hulme art director: Sean Walker art director: Jason Stone art director: Jonathon Won Christian McCrossan Mark Lieberman 1909 Woodall Rodgers, Suite 300 Dallas, Texas 75201 Phone: 800.856.8060 1101 Pennsylvania Ave. NW, Suite 600 Washington, D.C. 20004 Phone: 202.393.5511 No part of this publication may be reproduced without written permission from the publisher. ©2012 REO Publishing LLC All Rights Reserved This publication is intended to provide accurate, authoritative, and detailed information in regard to the subject matter covered. All written materials are disseminated with the understanding that the publisher is not engaged in rendering legal advice or other professional services. Under no circumstance should the information contained herein be relied upon as legal advice as it is designed to be a source of information only. DS News strongly encourages the use of qualified attorneys or other qualified experts with regard to the subject matter covered. DS News does not guarantee the accuracy of the information and is not liable for any damages, losses, or other detriment that may result from the use of these materials.

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