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<p align="center"><strong><span style="text-decoration: underline;"><span style="font-family: Verdana; font-size: 9pt">Fiduciary Expert Witness Litigation Consulting</span></span></strong></p>
<p align="center"><strong></strong><strong><span style="font-variant: small-caps; font-family: Verdana; font-size: 9pt">Fiduciary<em>FORENSICS</em></span></strong><strong><sup><span style="font-family: Verdana; font-size: 9pt">®</span></sup></strong><span style="font-size: 9pt"> </span></p>
<p align="center"><strong><span style="font-family: Verdana; font-size: 9pt">Breach of Fiduciary Duty, Trust Litigation, Su</span></strong><strong><span style="font-family: Verdana; font-size: 9pt">itability, Failure to Supervise</span></strong><span style="font-size: 9pt"> </span></p>
<strong><span style="font-family: Verdana; font-size: 8pt">
<p class="MsoNormal" style="text-align: center;"><span style="font-size: xx-small;"><span style="font-family: verdana,geneva;"><span style="color: blue; font-size: x-small;"><span style="color: blue;"><span style="font-size: small;"><span style="color: #3366ff;"><span style="font-size: x-small;">McFid* BFD Expert, since 2003</span></span></span></span></span></span></span><strong></strong></p>
<p class="MsoNormal" style="text-align: center;"><strong><span style="font-size: small;"><span style="color: #3366ff;"><span style="font-size: x-small;">Over 27 years of actual, hands-on securities industry management and independent expert experience, advanced fiduciary training. *McFid, the combination of McConnell and Fiduciary, BFD stands for breach of fiduciary duty.<br /></span></span></span></strong></p>
<p class="MsoNormal" style="text-align: center;"><strong><span style="font-family: Albertus Medium; color: blue; font-size: x-small;"><span style="color: blue; font-size: 10pt; font-weight: bold;"><span style="font-size: x-small;"><span style="font-family: verdana, geneva;">Securities, Derivatives, Hedge Fund, Investment Advisor, Bank, Insurance, Annuities</span></span></span></span></strong><strong><span style="font-family: Albertus Medium; color: blue; font-size: x-small;"><span style="color: blue; font-size: 10pt; font-weight: bold;"><span style="font-size: x-small;"><span style="font-family: verdana, geneva;"> </span></span></span></span></strong><strong><span style="font-family: Albertus Medium; color: blue; font-size: x-small;"><span style="color: blue; font-size: 10pt; font-weight: bold;"><span style="font-size: x-small;"><span style="font-family: verdana, geneva;"> </span></span></span></span></strong></p>
<p class="MsoNormal" style="text-align: center;"><span style="text-decoration: underline;"><em><span style="color: #000000;"><strong><span style="font-family: Albertus Medium; font-size: x-small;"><span style="font-size: 10pt; font-weight: bold;"><span style="font-family: verdana, geneva;">Incandescent Financial Services & Securities in</span></span></span></strong><strong><span style="font-family: Albertus Medium; font-size: x-small;"><span style="font-size: 10pt; font-weight: bold;"><span style="font-family: verdana, geneva;">dustry strategy and insights</span></span></span></strong></span></em></span></p>
<p class="MsoNormal" style="text-align: center;"><span style="font-size: x-small;">Unequal information, negligent or willful withholding, by either party, often explains all or part of a claim. </span><span style="font-family: Verdana;"> </span><strong>From the 1980's to today, institutional, accredited or retail investors, account solicitation, suitability, trade executions, confirmations, account agreements, trade solicitations, commissions, fees, investments, compensation (both hard and soft dollar) and other emoluments.</strong></p>
<p class="MsoNormal" style="font-family: Verdana;"><span style="font-family: Verdana; font-size: 8pt"><span style="text-decoration: underline;">Securities brokers, Bank Trust, Fiduciary Duty, Suitability, Supervision </span></span></p>
<p style="font-family: Verdana;"><span style="font-family: Verdana; font-size: 8pt">For decades, no matter type of account or payment by customers of fees or commissions or both, some accounts require securities broker dealers, branch managers, supervisors and series 7 licensed registered reps </span><span style="font-family: Verdana; font-size: 8pt">to provide a fiduciary duty </span><span style="font-family: Verdana; font-size: 8pt"><span style="text-decoration: underline;">in addition to</span></span><span style="font-family: Verdana; font-size: 8pt"> suitability. Fiduciary duty requires specific steps not limited to diversification; self directed accounts, for instance at discount brokers, like Schwab, ETrade, TD Ameritrade, Fidelity, Scottrade may fall under fiduciary duty, plus </span>NASD / FINRA suitability and supervision requirements.</p>
<p style="font-family: Verdana;"><strong><span style="text-decoration: underline;"><span style="font-family: Verdana; font-size: 9pt">Breach of Fiduciary Duty-> Liability -> Damages -> Expert Testimony and Reports</span></span></strong><span style="font-size: 9pt"> </span></p>
<ol style="font-family: Verdana;">
<li>Broker Dealers, Discount Brokerage, Banks, Affiliates/ILC's, Investment Advisers, Hedge Funds, Asset Managers, Consultants, Auditors, Custodians, etc. - licensed and unlicensed</li>
<li>Trades - best execution, confirmations, commissions, rebates, order flow, order routing, agency, principal, liquidity, dark pools, algorithmic trades, trade reporting; tax withholding, return of principal, reinvestment</li>
<li>Investments - securities, commodities, futures, options, mutual funds, closed-end funds, ETF's, ETNs, unit trusts, insurance, annuities, derivatives, money market funds, Asset backed Commercial Paper (ABCP), Auction Rate Securities (ARS), mortgage backed securities (MBS, CDOs, CPDOs, CMBS);</li>
<li>Services - financial planning, investment consulting, brokerage, prime broker, stock loan (securities lending), hypothecation, margin accounts, market makers, proprietary trading, leverage</li>
<li><span style="font-family: Symbol; font-size: 8pt"><span style="font-family: 'Times New Roman'; font-style: normal; font-variant: normal; font-weight: normal; font-size: 7pt; line-height: normal; font-size-adjust: none; font-stretch: normal"><span style="font-family: verdana,geneva;"><strong>H</strong></span></span></span><span style="font-family: Verdana; font-size: 8pt">edge funds, 144, Private placements, Reg D, Sophisticated or Accredited Investors<br /></span></li>
<li>Domicile - US and offshore; foreign</li>
<li>ERISA, Custody, soft dollars, master trusts, reporting, regulatory requirements, record keepers, third party administrators (TPAs); participants’ communication materials</li>
<li>Account Insurance - FDIC, SIPC, Excess SIPC, Capco Broker dealer self insurance</li>
<li><span style="font-family: Verdana; font-size: 8pt">Related areas > Securities, banking, insurance - Compensation, Valuation, Employment - Recruitment, Training, Supervision, Compliance, Wrongful termination, Raiding; Retirement, Forgivable Loans, Retention Awards; Compensation - commissions, overrides, bonus, restricted stock and options - Stock brokers, traders, branch and regional managers, senior management, support personnel.</span><span style="font-family: Verdana; font-size: 9pt"> </span></li>
</ol>
<p style="font-family: Verdana;"><span style="font-family: Verdana; font-size: 8pt"><span style="color: black">Uniform Prudent Investor Act </span></span><span style="font-family: Verdana; font-size: 8pt"><span style="color: black"><a href="http://www.nccusl.org/Update/uniformact_factsheets/uniformacts-fs-upria.asp">http://www.nccusl.org/Update/uniformact_factsheets/uniformacts-fs-upria.asp</a></span></span><strong><span style="font-family: Verdana; font-size: 9pt"> </span></strong> <span style="font-family: verdana,geneva;"><span style="font-size: xx-small;">Applies to all trust accounts, since 1996 in California, although certain aspects were already applicable.</span></span></p>
<p style="font-family: Verdana;"><strong></strong><strong><span style="font-family: Verdana;"><span style="font-size: xx-small;"><span style="font-family: verdana,geneva;"><span style="text-decoration: underline;"><span style="font-size: x-small;">Customer’s accounts subject to Fiduciary Duty include but are not limited to:</span></span></span></span></span></strong></p>
<ol style="font-family: Verdana;">
<li><span style="font-size: xx-small;"><span style="font-family: verdana,geneva;">Trusts - life insurance, revocable, irrevocable and charitable </span></span></li>
<li><span style="font-size: xx-small;"><strong>IRA and IRA Rollover accounts </strong></span><span style="text-decoration: underline;"><span style="font-size: xx-small;"><strong><br /></strong></span></span></li>
<li><span style="font-size: xx-small;"><strong>ERISA Defined Benefit Pension, Defined Contribution, Profit Sharing, 401k & 403b Plans</strong></span></li>
<li><span style="font-size: xx-small;"><strong>Public Employees Pension benefit and Retirement Plans</strong></span></li>
<li><span style="font-size: xx-small;"><strong>Union Pension Benefit, Retirement Plans, Taft Hartley plans</strong></span></li>
<li><span style="font-size: xx-small;"><strong>Tax exempts, 501(c)3 - Non profits, Charities, Foundations and Endowments (Eleemosynary) </strong></span></li>
<li><span style="font-size: xx-small;"><strong>HOAs, Custodial, Minors (UTMA, UGMA, Coogan), Guardian and Conservatorship accounts</strong></span></li>
<li><span style="font-size: xx-small;"><strong>Divorces involving the above accounts, a spouse, financial institution 3rd party may be responsible for poor performing assets or losses. See Divorce Fiduciary Audit(TM)</strong></span></li>
</ol><span style="font-family: Verdana;"><strong></strong></span>
<p style="font-family: Verdana;"><span style="font-size: xx-small;"><span style="font-family: verdana,geneva;"><strong>* Note: Fiduciary Duty, if any, is in addition to, precedes and supersedes Suitability, and may arise at any time, affect any type of account, investment, asset or insurance including Real property, Copyrights, Trademarks, Patents, Intellectual property, a Family or Closely held business, LLP's, LLC's, FLP's, general or limited partnerships.</strong> See Real Estate Losses page for Investment / Rental Real Estate losses.</span></span></p>
<p style="font-family: Verdana;"><span style="font-size: xx-small;"><span style="font-family: verdana,geneva;"><a href="mailto:info@fiduciaryexpert.com">info@fiduciaryexpert.com</a> or</span></span><span style="font-size: xx-small;"><span style="font-family: verdana,geneva;"> (310) 943 - 6509</span></span></p>
<p style="font-family: Verdana;"><span style="font-size: xx-small;"><span style="font-family: verdana,geneva;">A link to help translate this page is here <a href="http://translator.live.com/Default.aspx?ref=IE8Activity">http://translator.live.com/Default.aspx?ref=IE8Activity</a><br /></span></span></p>
<p style="text-align: center;"><span style="font-family: Verdana;"><span style="font-size: xx-small;"><span style="font-family: verdana,geneva;">Fiduciary<strong><em>FORENSICS®</em></strong> is an internationally registered trademark of Chris McConnell & Associates</span></span></span></p>
<p style="text-align: center;"><span style="font-family: Verdana;"><span style="font-size: xx-small;"><span style="font-family: verdana,geneva;">Copyright © Chris McConnell & Associates 2003-2011. All rights reserved worldwide.</span></span></span></p>
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