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Banking Fiduciary Duty                           ALM EXPERTS: Legal Expert Pages (Western Edition) 2025


            BANKING FIDUCIARY             Kevin Herzberg                           BANKRUPTCY
                    DUTY                   Banking, Lending and                    ACCOUNTING
                                           Real Estate Expert
                                           Witness
        Kevin Herzberg                     Serpentine Partners,            Fulcrum Inquiry
         Banking, Lending and Real Estate   LLC                              Renee Howdeshell
         Expert Witness                    Los Angeles, CA                   Los Angeles, CA
         Serpentine Partners, LLC          Phone: (323) 863-6465             Phone: (213) 787-4112
         Los Angeles, CA                                                     E-mail: rhowdeshell@fulcrum .com
         Phone: (323) 863-6465             Degrees/Licenses: MBA in Finance (Indiana   (Please see our resume on page 360 for further
                                           University) and BS in Electrical Engineering
        (Please see our complete listing under the   (UCLA), California Department of Real Estate   details.)
        following area of expertise: Expert Categories:   Broker License as well as Lean Six Sigma   Sadie G. Towler
        Banking Fraud)                     Black Belt certification.
                                                                             Towler Financial Investigations
                                           Profile: Kevin Herzberg is an executive   Carson, CA
              BANKING FRAUD                leader with more than 20 years of experience   Phone: (310) 344-6529
                                           in business strategy, operations, and fiscal   E-mail: stowler@ca .rr .com
                                           excellence for major banking and lending
                                           corporations .  He has served as an expert   (Please see our complete listing under the
        Jack G. Cohen                      witness in over 40 cases and    following area of expertise: Expert Categories:
         Cohen Inv, LLC                    submitted comprehensive written reports on   Forensic Accounting)
         Westlake Village, CA              complex matters that were
         Phone: (747) 222-1554             presented to the courts in layman terms .
         E-mail: Jack@coheninv .com                                           BATTERY EXPLOSIONS
                                           Disputes have argued the following issues:
        (Please see our resume on page 348 for further    * The 2008 Financial Crisis Involving
        details.)                          Residential Mortgage-Backed
                                           Securities (RMBS)               Rapperport Associates, Inc.
                                            * Misappropriation of Trade Secrets    Daniel Rapperport
                                            * Predatory Lending              Lexington, MA
                                            * Multiple County Tax Assessors    Phone: (781) 862-9001
                                            * Environmental Contamination and Real   Cell: (339) 222-2822
                                           Estate Valuation Stigma           E-mail: dan@rapperport .com
                                            * Loan Origination / Employment
                                           Compensation                    (Please see our resume on page 379 for further
                                                                           details.)
                                           Topics covered included:
                                            * Real Estate Automated Valuation Models   Professor J. Rasty, PhD, PE, DFE,
                                           (AVMs)
                                            * Intellectual Property (IP)  / Software Source   MBA, CFEI, CFII
                                           Code Theft                        President & CEO
                                            * Errant Lending Practices       Real-World Forensic Engineering,
                                            * Mortgage Fraud
                                            * Loan Servicing                 LLC
                                            * Foreclosures                   Lubbock, TX
                                            * Loan Modifications             Phone: (806) 368-9811
                                            * Loan Workouts                  E-mail: info@expertengineering .com
                                            * Real Estate Owned (REO)
                                            * Lending Due Diligence        (Please see our resume on page 380 for further
                                                                           details.)
                                           Mr . Herzberg is Vice Chairman, Pasadena
                                           Angels - a Forbes top 10 nationally ranked
                                           start-up company investment and mentorship   BATTERY/BATTERIES
                                           group of ~100 members .  Board member
                                           of Pasadena Angels as well as technology   FIRES & EXPLOSIONS
                                           portfolio company .

                                           Great references available from several of the   C.J. Abraham,
                                           largest and well-respected law firms.  P.E., DFE, Ph.D., JD, DEE, FRSC,
                                                                             FTI, IH, CChem, ChE, CPC
                                                 BANKRUPTCY                  Scientific Advisory Services, LTD
                                                                             Great Neck, NY
                                                                             Phone: (516) 482-5374
                                                                             Cell: (516) 974-7565
                                          Fulcrum Inquiry                    E-mail: cjabraham1@gmail .com
                                           Renee Howdeshell
                                           Los Angeles, CA                 (Please see our resume on page 336 for further
                                           Phone: (213) 787-4112           details.)
                                           E-mail: rhowdeshell@fulcrum .com

                                          (Please see our resume on page 360 for further
                                          details.)





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