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1 Mr. Margulies commitment to helping clients obtain practical solutions through creative, cost-effective strategies distinguishes his reputation as a Bankruptcy Law Attorney. JULY 17, 2010 law.com THE FIRM The Margulies Law Firm specializes in assisting both businesses and individuals in all matters surrounding bankruptcy, insolvency, debt relief, creditors' rights, workouts, disputes resolution and debt negotiation. The Firm takes pride in resolving highly complex legal and financial problems utilizing cost-effective, forwardthinking strategies. Every client benefits from this firm structure and receives personalized attention from experienced attorneys, not paralegals. For those businesses or consumers in financial distress, our firm offers the full range of bankruptcy solutions, including Chapter 7 liquidation, Chapter 13 individual reorganization, and Chapter 11 business/individual reorganization. Since bankruptcy is usually the last resort, our lawyers will also help you examine nonbankruptcy options, including workout scenarios and debt negotiation strategies. The Margulies Law Firm has proven success in all aspects of a bankruptcy law practice, including business and consumer bankruptcy reorganizations, liquidations, creditor representation in bankruptcy, complex bankruptcy litigation, asset sales and purchases, Automatic Stay issues, municipality issues, bankruptcy appellate work, and other transactional and insolvency related matters. PRACTICE AREAS The Margulies Law Firm is a boutique bankruptcy firm located in the San Fernando Valley, servicing the Los Angeles and surrounding areas, representing clients in all aspects of a bankruptcy law practice. We represent debtors, creditors, individuals, businesses, municipalities, and bankruptcy trustees, including representation for both bankruptcy and non-bankruptcy options. Whether you are a business or an individual with overwhelming debt issues, or a creditor seeking to protect your secured or unsecured claim in a bankruptcy case, the attorneys at The Margulies Law Firm can provide you with specialized, cost-effective legal representation. The Margulies Law Firm distinguishes itself as it takes pride in resolving highly complex legal and financial problems utilizing cost-effective, forward-thinking strategies. It has Big-Firm experience, without the Big- Firm prices. Every client benefits from this firm structure and receives personalized attention from experienced attorneys, not paralegals. The Margulies Law Firm represents both individuals and small to medium-sized business clients in all chapters of the Bankruptcy Code while also handling out-of-court debt negotiation, workouts, restructuring, and Assignments for the Benefit of Creditors (ABCs) Ventura Boulevard, Suite 470, Encino, California T: F:

2 Page 2 If you need relief and/or legal representation, we can provide you with creative solutions combined with hard work, dedication and a comprehensive knowledge of the law. Our attorneys have experience and a proven track record of success in helping clients obtain financial debt relief and practical, cost-effective results. FIRM BIOGRAPHIES Craig G. Margulies CRAIG G. MARGULIES is the founding partner of The Margulies Law Firm and a recognized Southern California Super Lawyer award recipient in years 2009 and 2010, has big-firm specialized training and experience in business and consumer bankruptcy law. Mr. Margulies practices in Chapter 7, Chapter 11, and Chapter 13 bankruptcy cases. Mr. Margulies clients have included business and individual debtors, secured and unsecured creditors, bankruptcy trustees, Official Unsecured Creditors' Committees, landlords, and municipalities. Mr. Margulies worked for large, nationally recognized law firms and a highly specialized bankruptcy boutique firm before founding The Margulies Law Firm, APLC, in His specialized experience includes practicing in areas of law including business and individual bankruptcy in Chapter 7, 11, and 13 cases, bankruptcy litigation, workouts, creditors rights, debt negotiation, Assignments for the Benefit of Creditors, dispute resolution, state court litigation, and appellate work. Mr. Margulies has extensive knowledge in all aspects of a bankruptcy law practice (both in large and boutique law firms), including reorganizations, liquidations, law and motion work, asset sales and purchases, Automatic Stay issues, avoidance litigation, creditor representation, and other transactional and insolvency related matters. Mr. Margulies received his Bachelor of Arts degree in business/economics from the University of California at Santa Barbara, graduating cum laude in In 1996, he obtained his Juris Doctor from the University of Miami School of Law, again graduating cum laude. Mr. Margulies was an articles editor for an international law journal. He is a member of the State Bars of California, Colorado, and Minnesota, the Ninth Circuit Court of Appeals, and the United States District Court for the Central, Northern, and Southern Districts of California. Mr. Margulies serves on the Executive Committee to the Bankruptcy Section to the Beverly Hills Bar Association, and is a member of the California Bankruptcy Forum, Los Angeles County Bar Association, and Financial Lawyers Conference. Mr. Margulies was published in the Los Angeles Daily Journal for an article entitled Debtor May Assign Executory Contracts or Unexpired Leases, published on January 2, Examples of Mr. Margulies' experience includes: Business Related Representation of the Official Committee of Unsecured Creditors in the Estyle, Inc. ( Babystyle ) chapter 11 bankruptcy filed in the Central District of California; Representation of the Official Committee of Unsecured Creditors in the Douglas Furniture of California, LLC, a chapter 11 bankruptcy filed in the Central District of California;

3 Page 3 Representation of a very large body of Class Action creditors in the Bodies in Motion chapter 11 bankruptcy filed in the Central District of California, resulting in a successful resolution of multimillions in claims; Representation of Clarklift of California, Inc., a company specializing in the distribution, sale, service, rental and finance of equipment and trucks to the agricultural, construction, manufacturing, transportation and warehousing industries, as a Chapter 11 debtor and debtor in possession. Clarklift of California successfully reorganized under a confirmed Chapter 11 Plan; Representation of Hilton Hotels and Hilton Hawaiian Village to protect their claim in excess of $30 million in Dillingham Construction Co.'s Chapter 11 bankruptcy filed in Oakland, California; Representation of the County of Los Angeles to successfully protect its claims in the Queen Mary bankruptcy case; Representation of large mechanics lien creditors, including members sitting on the Official Committee of Unsecured Creditors, in the jointly administered Chapter 11 bankruptcy cases of Landsource Communities Development LLC, et al., filed in the District of Delaware, resulting in a extremely large returns on their claims; Representation of the City of Glendale to enforce its rights and claims in various bankruptcy proceedings, including the ability to enforce of its police and regulatory powers against various business and individuals; Representation of a chapter 7 Trustee to uncover, recover and sell several million dollars worth of assets for the benefit of unsecured creditors through complex litigation; Representation of landlords in Chapter 11 bankruptcy cases to enforce the provisions of their leases, in both asset sales and reorganizations; Representation of defendants in both large multi-million dollar and smaller tens of thousands of dollars preference and fraudulent transfer actions resulting in dismissals and/or large reductions in the claims; Representation of Optinetrics, Inc., an advanced photonics engineering company with an integrated optics technology platform for the fabrication of optical devices for communications, biotechnology, sensors and commercial electronics, as a Chapter 11 debtor and debtor in possession. The case culminated in a confirmed liquidating Chapter 11 Plan of Reorganization, and Mr. Margulies then represented the Liquidating Trustee to assist the trustee in implementing the Plan provisions for the benefit of creditors; and Representation of a chapter 7 Trustee to successfully deny an individual of his Discharge under Section 727 of the Bankruptcy Code due to the debtor s failure to disclose assets in his bankruptcy schedules. Individual Related Represented high net worth individuals to successfully file and reorganize through a confirmed Chapter 11 Plan of Reorganization; Represented hundreds of individuals and married couples to file personal/consumer bankruptcy cases resulting in a successful Discharge of their debts and a fresh start;

4 Page 4 Represented dozens of individuals to successfully resolve complex state court litigation (in which they were being sued) and/or debt collection matters for pennies on the dollar utilizing the threat of bankruptcy without actually having to file bankruptcy; and Represented an individual suing a chapter 7 debtor for the nondischargeability of a $150,000 debt obligation owing to her as a result of the debtor s pre-bankruptcy acts of conversion resulting in a successful non-dischargeable trial verdict. Fahim Farivar FAHIM FARIVAR is an associate attorney with The Margulies Law Firm. Mr. Farivar earned both his Juris Doctorate and his Master of Law (L.L.M.) degree from the from the UCLA School of Law in 2007 and 2008, respectively. Mr. Farivar subsequently obtained a Masters Degree in Business Tax from the University of Southern California Marshall School of Business. His Bachelor of Arts in Business Economics, including a minor degree in Accounting, graduating summa cum laude, was achieved at the University of California Los Angeles. Mr. Farivar is also a Certified Professional Accountant (C.P.A.) He has lectured at non-profit organizations and fundraising events on various law and accounting issues. He is admitted to the Ninth Circuit Court of Appeals, and the Central, Southern, Northern and Eastern Districts of California. Staci McFadden STACI MCFADDEN is a paralegal with The Margulies Law Firm. Ms. McFadden studied Paralegal Studies at the West Los Angeles Community College. She has over fifteen years experience working in the insolvency and bankruptcy areas, including business Chapter 11 cases. LOS ANGLES BANKRUPTCY LITIGATION ATTORNEY Our bankruptcy litigation attorneys have handled many different types of litigation matters in bankruptcy, including: Bankruptcy fraud Non-dischargeability litigation Avoidance litigation (including preferential and fraudulent transfers) Subordination of claims Spouses enforcing their rights in divorce bankruptcy cases Proof of claims disputes Asset valuation disputes Bankruptcy appeals Our lawyers handle cases at both the trial and appellate levels. NON-BANKRUPTCY OPTIONS The Margulies Law Firm will review your case for non-bankruptcy options, including debt negotiation, mortgage renegotiation, and business debt workouts.

5 Page 5 A COMPREHENSIVE LEGAL DEBT RELIEF PRACTICE The attorneys at The Margulies Law Firm also help small to medium-sized companies and individuals in Southern California file for bankruptcy relief under the Bankruptcy Code. We are different. Unlike many bankruptcy firms who provide a bankruptcy mill-type practice, and pawn you off on a paralegal, secretary or an inexperienced, junior lawyer, at The Margulies Law Firm, you will meet with, and have your case handled by, a well known, experienced bankruptcy lawyer. We can help you determine which form of personal or business bankruptcy best suits your needs: Chapter 7 (liquidation) Chapter 11 (reorganization for businesses and higher net-worth individuals) Chapter 13 (debt reduction and repayment for consumers) The Margulies Law Firm lawyers bring invaluable experience and knowledge to their bankruptcy practice, including in bankruptcy litigation and bankruptcy appeals. Types of Debt Relief Remove Unsecured Second Deeds of Trust against Real Property Stop Foreclosures Stop Bill Collectors Help with Mortgage Arrears Help with Student Loans Stop Wage Garnishments Stop Car Repossessions (Repos) Stop Lawsuits Stop Tax Garnishments Help with Judgments Help with Past Due Taxes Stop Bad Credit Whether through bankruptcy, creditor negotiation or other proven methods, we help our clients obtain real relief from secured and unsecured debt, consumer and business debt, credit card debt and tax debt. We will provide aggressive, legal strategies to fight foreclosure, protect your home or real property investments, and stop lawsuits and bill collectors - both in and outside of bankruptcy. We also have expertise in divorce related bankruptcy cases and tax related bankruptcy cases. We can guide you through the bankruptcy-related issues in connection with a past, present or future divorce proceeding. Effective asset protection is one of our primary strengths.

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