Adrian is part of Chatham's Analytics and Information group (AI), responsible for the development of software applications. Prior to joining Chatham he worked in educational software in Warwickshire (UK). He was educated in computer science at the University of Hertfordshire and software and interface design in Stratford-upon-Avon.

+1 484.731.0045 x5345 aharris@chathamfinancial.com

Alan is a member of the Analytics and Information (Ai) team. Prior to Chatham, he worked as an accountant and IT developer in China. Alan holds a BS in Information Systems from Shanghai University and an MS in Computer Science from Pennsylvania State University.

+1 610.925.3131 azhao@chathamfinancial.com

is based in our Poland office. Prior to joining Chatham, Aleksandra graduated with Honors from Jagiellonian University in Krakow, Poland with a MA in Sociology in the Department of Philosophy, where she was also an active member of the Students' Association.

+1 484.731.0434 agruszczyk@chathamfinancial.com

Amanda works in Chatham?s hedge advisory group advising public real estate companies. Before joining the public real estate group she worked on our defeasance team. Prior to joining Chatham, Amanda was an officer in the Army serving in both Germany and Afghanistan. Amanda holds a Masters in International Relations from the University of Oklahoma and a BS in Business Administration from Cal Poly, San Luis Obispo.

+1 610.925.3126 abreslin@chathamfinancial.com

leads our Corporates Advisory Team. Before joining the Corporates team, Amol led Chatham's Private Equity, Structured Finance and Defeasance businesses. Prior to Chatham, Amol worked within the Global Service Provider business of Lucent Technologies and the consumer products division of Johnson & Johnson. Amol graduated from Pennsylvania State University with a BS in Chemical Engineering and a BS in Economics, and received his MBA from The Wharton School at the University of Pennsylvania where he was a Palmer Scholar.

+1 484.731.0226 amol@chathamfinancial.com

Amy contributes to Chatham's administration, internal finance and operations teams. Prior to joining Chatham she worked in the technology industry at Tandberg, Cisco Systems, and AT&T Wireless in administration and operations. Amy studied at Cedarville College.

+1 484.731.0083 abutcher@chathamfinancial.com

is a member of the transaction operations team focusing on Public Real Estate, Private Real Estate and Corporates. Prior to Chatham she worked for Starbucks as a regional coordinator and then began her journey into the financial world at a wealth management firm as a client service manager. She has a BS in Business Administration along with a Dance minor from Montclair State University.

+1 720.249.3609 ahassler@chathamfinancial.com

Andrew manages business development and client relationships for Chatham?s Financial Institutions Team, helping banks to manage interest rate risk on their balance sheet and offer derivative product solutions for their borrowers. Prior to Chatham, Andrew was a managing partner in a general contracting firm. Prior to his role as a managing partner, Andrew spent 13 years in the mortgage banking industry including working as a site controller for Chase Manhattan Mortgage Corp. Andrew holds a BS in Accounting from LaSalle University and an MBA from Villanova University.

+1 484.731.0081 alittle@chathamfinancial.com

works in our Singapore office and specializes in Pricing and Analytics, serving private equity and real estate clients. Prior to Chatham, Andrew started a software company in China, developing algorithmic trading messaging systems. Andrew earned a BA in Theology and is completing an MBA at the University of Chicago. Andrew is fluent in Mandarin.

+65 6507.0683 apeters@chathamfinancial.com

Andrew is part of the Accounting Advisory Team and primarily serves our real estate industry. Prior to joining Chatham, Andrew ran a small accounting and consulting firm in Plymouth Meeting, PA. Andrew also previously worked at PricewaterhouseCoopers, LLP where he specialized in auditing registered investment advisors, mutual funds, and hedge funds. Andrew spent four years in the Army where he was a member of the 101st Airborne Division?s long range surveillance detachment (LRSD) where he served as an Airborne Ranger. Andrew holds a BS degree in Accounting from Penn State University.

+1 484.731.0426 ataylor@chathamfinancial.com

Andrew is a member of Chatham Capital Advisors. Since joining the team in January of 2006, he has helped real estate clients raise over $1.9 billion in capital to meet a variety of needs, including mortgage debt, mezzanine debt, and equity. Additionally, he has worked on restructuring and bankruptcy transactions totaling more than $2.5 billion. Andrew has expertise in office, retail, hospitality and industrial assets. Andrew graduated from Wheaton College, Illinois with a BA in Business and Economics.

+1 484.731.0013 athornfeldt@chathamfinancial.com

Anna is member of Chatham?s Controls and Data Integrity team (CDI). Prior to joining Chatham, Anna worked as a junior accountant for IBM BTO Business Consulting Services in Krakow, Poland. Anna graduated from Jagiellonian University in Krakow with a MA in International Relations and BA in Economics.

+48 (0)12.2.946160 x2033 abendo@chathamfinancial.com

Anna is a member of Chatham?s Controls and Data Integrity group. Prior to joining Chatham, Anna worked as a freelance Researcher for PMR Corporate and a translator in Krakow, Poland. She graduated with distinction from the University of Aberdeen with an MSc in Management Innovation & Change and from Jagiellonian University with an MA in Applied Psychology.

+48 (0)12 .2946160 x2040 afaflok@chathamfinancial.com

Annie Leyland is a member of the Operations team in London. Prior to joining Chatham, Annie worked for a not-for-profit organization where she spent nearly four years working as PA to the Director. Annie has a BS in Sociology from the College of Charleston.

+44 (0)20.7557.7018 aleyland@chathamfinancial.co.uk

is the head of Cygma (www.CygmaFinancial.com), a new venture Chatham recently launched that specializes in foreign exchange risk management for illiquid currency markets. Art previously spent time as a consultant on our Financial Institutions and Real Estate Private equity teams. Prior to Chatham, Art served as President of LifeLink Monitoring Corporation. He graduated with Honors from Clarkson University with a BS in Electrical and Computer Engineering and completed his MBA studies at Syracuse University.

+1 484.731.0249 art@cygmafinancial.com

Bartek works in Chatham?s hedge advisory group and is based in our Poland office. Prior to joining Chatham, Bartek worked for Cooper Wallace, an international consulting firm, as a business consultant and Deutsche Bank within Global Banking & Credit Risk Management teams in Warsaw and London. Bartek holds degrees from Cambridge and Harvard Universities in Economics and Finance.

+48 (0)12.2946160 x2035 bostrowski@chathamfinancial.com

Ben Lewis: Ben manages client relationships advising financial institutions in the western United States. Before working with banks, Ben served mortgage REITS, private equity and corporate clients in various capacities. Prior to joining Chatham, Ben served eight years in the U.S. Navy as a P-3C Orion Naval Flight Officer. Ben graduated with distinction from the United States Naval Academy with a BS in Economics.

+1 720.221.3510 blewis@chathamfinancial.com

is a member of the Analytics and Information Team focusing on Database Programming and Database Infrastructure. Prior to Chatham, Ben held positions with Bucknell University and MBNA America. He graduated Summa Cum Laude from Bucknell University with a BS in Computer Science.

+1 484.731.0257 blove@chathamfinancial.com

As a member of Chatham Capital Advisors, Ben assists real estate clients with capital raising and restructuring. He has advised on over $1.5 billion in transactions ranging from retail to agriculture since joining Chatham in 2008. Ben holds a BA from Haverford College, where he received high honors in Economics.

+1 484.731.0418 bmarsden@chathamfinancial.com

Bing is part of Chatham's Singapore office, working in a Pricing and Analytics role. Prior to joining Chatham, Bing spent 2.5 years with the Republic of Singapore Airforce for his mandatory military service, before joining Schering-Plough Singapore as a process engineer for 4 years. He holds an MBA from Darden Graduate School of Business Administration, and a BS in Chemical Engineering from University of Notre Dame.

+65 65070698 bcheng@chathamfinancial.com

Bob is a leader in Chatham's software Quality Assurance team. He works closely with the financial models development team to test software changes, develops automated tests, and implements quality improvements. Prior to joining Chatham, he worked in a number of software-development related roles, such as technical writer, systems analyst, software tester, and automated test engineer. Bob holds a MA in English and a BSE in English/Secondary Education from Millersville University.

+1 484.731.0021 bjones@chathamfinancial.com

Bob Newman is the Director of Financial Institutions at Chatham Financial. Prior to joining Chatham in 2003, Bob spent twenty years in commercial banking, most recently as a Director at SunTrust Capital Markets, Inc., where he specialized in designing interest rate, currency and equity hedging solutions for the bank?s corporate and wealth management clients. Bob began his banking career at Maryland National Bank (now Bank of America) where he helped to start up the bank?s interest rate derivatives operation in 1988. He graduated from the College of William and Mary with a BA in Economics and has earned the Chartered Financial Analyst (CFA) designation.

+1 610.925.3137 bnewman@chathamfinancial.com

Brett is a member of Chatham's Controls and Data Integrity team (CDI). Prior to Chatham, he spent thirteen years with a major cable television and high speed internet service provider as an accounting information systems specialist working closely with accounting end users. Brett earned a BS in Economics from Pennsylvania State University.

+1 484.731.0073 bklein@chathamfinancial.com

Brett works in Chatham's hedge advisory group advising private equity portfolio companies as well as general corporates. Prior to joining Chatham in 2006, Brett was a stay-at-home dad for three years. Before that, he traded equity and index options for eight years on the floor of the Philadelphia Stock Exchange. Brett has a BA in Economics from the University of Pennsylvania.

+1 484.731.0082 bmchugh@chathamfinancial.com

Brian works in Chatham's hedge advisory group advising public real estate companies. Before joining the public real estate group he worked with our private real estate and financial institutions groups. Prior to joining Chatham, Brian was an officer in the Navy serving aboard nuclear submarines. Brian holds a Masters in Business Administration from Boston University and a BS in Electrical Engineering from the United States Naval Academy.

+1 484.731.0002 bblair@chathamfinancial.com

manages client relationships, specializing in Opportunity Funds, Private Equity Firms, and Structured Finance Companies. Previously, he worked in Supply Chain Management roles with AstraZeneca Pharmaceuticals and SLG Logistics, Inc. Brian graduated with Distinction from Pennsylvania State University with a BS in Biochemistry and an MBA in Finance.

+1 610.925.3129 bconly@chathamfinancial.com

Brian works in Chatham's hedge advisory group advising private real estate and opportunity fund clients. Prior to joining Chatham Brian spent 10 years as an Aviation Officer and test pilot in the U.S. Army, with service in the United States, Korea, Afghanistan and Iraq. Brian graduated from the United States Military Academy with a BS degree in Systems Engineering.

+1 484.731.0210 bmclaughlin@chathamfinancial.com

is a member of Chatham's Internal Finance Team. Prior to joining Chatham, Bubemi worked as an Investment Accounting Supervisor with PFPC Inc, a subsidiary of PNC Bank in Wilmington, DE. She graduated from the University of Science & Technology, Kumasi Ghana with a BS in Chemical Engineering and has an MBA from American University. She also holds an MEng in Chemical Engineering from Cornell University.

+65 6507.0681 bsmith@chathamfinancial.com

provides administrative support and manages back office functions for the London office. Prior to Chatham, she served as the CEO for a UK national trade association, was a founding partner of a financial news agency reporting from Russia, and spent time in advertising/marketing account management and publishing. She has over 25 years of business administration experience.

+44 (0)20.7557.7020 csutcliffe@chathamfinancial.co.uk

Catherine joined Chatham in 2005 and currently works in Chatham's hedge advisory group focusing on derivative documentation and process improvement regarding FX Operations. Previously, Cattherine managed the Successor Borrower program for Chatham's defeasance business. Prior to Chatham, Catherine spent 13 years in various senior level operations and client service roles at RecordTrak, Inc., a litigation support firm. Catherine received a BS in Finance and Marketing as well as an MS in International Marketing from St. Joseph's University. Catherine also holds a paralegal certificate from Villanova University.

+1 484.731.0288 cbroach@chathamfinancial.com

Cathy is a member of the Accounting Advisory Team, which advises clients on valuations and accounting for derivatives and hedging activities. In her current role, she serves clients in a wide range of industries, including healthcare, food service, entertainment, telecommunications, and retail sectors. Prior to joining Chatham Financial, Cathy was an audit manager at Deloitte & Touche where she had 5 years of experience serving financial services clients, primarily leasing and mortgage banking entities. Prior to joining Deloitte & Touche, she was a senior financial analyst in the International Finance and Securitization Teams at MBNA America. Cathy received her BS in Accounting from Indiana University of Pennsylvania and is currently a CPA.

+1 484.731.0423 cshull@chathamfinancial.com

Cheryl works in business development, currently focused on securities valuations. Before that she worked in our defeasance business. Prior to joining Chatham, she served ten years in the Air Force and Reserves as an Engineering Officer, and worked in the public and private sectors as a project manager, programmer and planner. Cheryl holds an MBA from the California State University at Sacramento and a BS in Architectural Engineering from the Milwaukee School of Engineering.

+1 484.731.0011 cpavic@chathamfinancial.com

Chris is a member of Chatham?s technology coordination team and he provides project management support for technology initiatives. Prior to joining Chatham, Chris held project management and product development positions for The Nielsen Company, MapQuest.com, and a Philadelphia regional software development consulting company. Chris graduated from Shippensburg University with a BA in Geography and he holds an MBA from the Pennsylvania State University.

+1 484.731.0408 cfunck@chathamfinancial.com

Chris manages client relationships, specializing in private real estate companies. Previously, Chris executed hedging strategies for REITs and assisted on derivatives litigation support services, including dispute resolutions with Lehman Brothers. Prior to Chatham, he spent over eight years as an aviation officer and pilot in the U.S. Army. His last assignment in the military was with an attack helicopter squadron in Germany, where he served as an attack troop commander and assistant operations officer. Chris graduated from the United States Military Academy with a BS in Economics.

+1 484.731.0008 clammie@chathamfinancial.com

Chris works in Chatham's hedge advisory group advising private real estate companies. Prior to joining Chatham Chris was a Peace Corps Volunteer in the Dominican Republic. He also worked in several corporate development and business development roles in the telecommunications industry. Chris holds a BS in economics from the University of Pennsylvania.

+1 484.731.0402 cmoore@chathamfinancial.com

Christine manages client relationships for Cygma (www.CygmaFinancial.com), a new venture that Chatham recently launched specializing in foreign exchange risk management for illiquid currency markets. Christine has previously worked in Chatham?s hedge advisory group advising Financial Institutions and Real Estate Private Equity Funds. Prior to joining Chatham, Christine served as a Peace Corps Volunteer in Panama and worked a Community Organizer for a Hispanic based group in Chicago. Christine holds a BA in Chemistry and Psychology from Case Western Reserve University and an MBA from Thunderbird International School of Management.

+1 484.731.0038 ccastro@chathamfinancial.com

Clark directs Chatham's Accounting Advisory Team, which advises clients on valuations and accounting for derivatives and hedging activities. Prior to joining Chatham, Clark was a Manager with Ernst & Young, where he served as a FAS 133 subject matter expert and specialized in audits of financial institutions. Prior to E&Y, he worked at the Financial Accounting Standards Board on the development of FAS 133. Clark is a CPA and received his BS in Accounting, summa cum laude, and MAcc from Brigham Young University.

+1 484.731.0235 cmaxwell@chathamfinancial.com

works in our hedge advisory group focusing on derivative documentation and process improvement. He previously worked with our private real estate hedging team serving opportunity fund clients. Prior to joining Chatham, Craig worked for General Electric as a Six Sigma process engineer. He also worked as a director at a for-profit education business. Craig received a BS in Mechanical Engineering from the Pennsylvania State University.

+1 484.731.0256 cpflumm@chathamfinancial.com

Dan co-leads Chatham's Accounting Advisory Team, which advises clients on valuations and accounting for derivatives and hedging activities. Prior to Chatham, Dan was with Ernst & Young where he managed the audits of several large regional financial institutions. Dan also served as the derivatives valuation specialist for Ernst & Young's Mid-Atlantic region. Dan received his BS in Business Administration, cum laude, from Bloomsburg University. He is a CPA and is a member of the AICPA.

+1 484.731.0228 dgentzel@chathamfinancial.com

is a member of the Analytics and Information Team focusing on Database Programming and Database Infrastructure. Prior to Chatham, David held a variety of positions as a software developer in the financial services and software industries. David is completing a BA in Philosophy and a BS in Computer Science from West Chester University of Pennsylvania.

+1 484.731.0041 dbonfanti@chathamfinancial.com

Dave oversees and is a resource on many of Chatham's strategic, financial, and operational issues. Dave also coaches several of Chatham's team leaders and teams. Prior to this role, Dave led Chatham's Europe team from 2004 until 2006. Prior to Chatham, he worked for the Finance Group at DuPont Co. in Wilmington, DE. Dave graduated with Honors from Pennsylvania State University with a BS in Finance and was a member of the University Scholars Program.

+1 610.925.3124 dhall@chathamfinancial.com

Dave focuses on organizational and people development opportunities across Chatham. For his first six years at Chatham he consulted private real estate developers on their interest rate and currency risks. Prior to Chatham, Dave worked as a consultant for FMI Corporation, focusing on management, leadership and strategy development for construction companies. He holds a BS in Mechanical Engineering from the United States Military Academy at West Point and an MBA from the Daniel's College of Business at the University of Denver.

+1 610.925.4764 dlowe@chathamfinancial.com

Diana is part of Chatham Krakow?s FX hedge advisory group advising European real estate companies. Prior to joining Chatham Diana worked as a translator and music director. She graduated from Jagiellonian University Department of Management and Social Communication and earned an MA in Information Science and Librarianship.

+1 484.731.0430 ddrozdziel@chathamfinancial.com

Diana is a member of the Operations and Internal Finance team in Denver. Prior to Chatham, Diana helped manage a catering business. She graduated from West Chester University with a Bachelor's degree in Social Work.

+1 720.249.1998 dstrocen@chathamfinancial.com

is a member of the Analytics and Information (Ai) Team specializing in Systems Administration. Prior to joining Chatham, Dominic was the Assistant Director of Technology for the Oxford Area School District. Prior to that, he was a Network Administrator. He holds a BS in Information Technology from the University of Phoenix.

+1 484.731.0417 dpirocchi@chathamfinancial.com

Dominika is based in our Poland office and helps out with the recruiting efforts and travel arrangements. Prior to joining Chatham, Dominika worked for International Paper in Krakow Customer Service Business Centre in Poland. Dominika graduated from Jagiellonian University in Krakow, Poland with an MA in Biology, Neuroscience.

+1 484.731.2404 ddutkiewicz@chathamfinancial.com

Don is part of Chatham's Analytics and Information group (AI). He has worked on a variety of software at Chatham and currently works with the pricing models team. Prior to Chatham, Don spent over 20 years in the software development area with experience running the gamut from design to coding to managing teams. Don graduated from the University of Virginia with a BA in Philosophy.

+1 484.731.0046 dgrasberger@chathamfinancial.com

Dorota is a part of Chatham's transaction support team in Krakow and focuses primarily on legal documentation, after a previous stint in marketing. Prior to joining Chatham, Dorota spent two years as a marketing manager in the Polish Gospel Association, a non-profit organization. For several years she was a French teacher, recently working in a business centre in Krakow giving lessons to the staff. She holds an MA in French Language and Literature with a specialization in social communication from the Jagiellonian University in Krakow.

+44 (0)20 .75577054 dcudzich@chathamfinancial.com

Eli holds a BS in Mathematics from the University of Delaware, where his currently studying new venture creation in the MBA program. Eli is a quantitative analyst at Chatham focusing on our pricing and FAS157 models. Prior to joining Chatham Eli spent 4 years at Quantum Leap Innovations doing applied research in various fields of Intelligent Computing including data mining, optimization, and multi agent simulation.

+1 484.731.0141 efaulkner@chathamfinancial.com

is a member of Chatham's Financial Management System (FMS) team. Prior to joining Chatham, Elisabeth spent five years in the Army as a communications officer with the First Cavalry Division and spent over two years in Baghdad. She graduated from Tulane University with a BS in Chemical Engineering and a minor in German.

+1 484.731.0349 ekemner@chathamfinancial.com

Elizabeth is a member of Chatham's Defeasance Team focusing on Portfolio Management. Elizabeth graduated with high distinction from Pennsylvania State University with BA's in both Classics and Medieval Studies.

+1 484.731.0024 ebryson@chathamfinancial.com

Emma manages client relationships at Cygma (www.CygmaFinancial.com), a new venture Chatham recently launched that specializes in foreign exchange risk management for illiquid currency markets. Prior to Cygma, Emma was a research associate at the Council on Foreign Relations in New York and an American India Foundation Service Corps fellow working with an NGO in New Delhi, India. She graduated with a BA in History and Asian Studies from the University of Virginia and an MA in International Business from the Fletcher School, Tufts University.

+1 484.731.0147 ealler@cygmafinancial.com

Eric is a member of the Accounting Advisory Team and serves financial institutions clients. Prior to joining Chatham, Eric worked for PricewaterhouseCoopers in the Philadelphia region where he focused mainly on Investment Management Clients. Eric graduated from Towson University with a minor in Economics and Financial Planning as well as a BS in Accounting.

+1 484.731.0121 emartin@chathamfinancial.com

Erika works on Chathams Defeasance team managing Portfolio Operations. Prior to joining Chatham, Erika worked on the Europe/Middle East North Africa team at The Carlyle Group in Washington, D.C. She is a Penn State graduate with a B.A. in Political Science/Womens Studies with additional education from Georgetown University, The Middle East Institute and George Mason University.

+1 484.731.0409 enewkirk@chathamfinancial.com

Esther is a member of Chatham's advisory services group focusing on derivative operations and internal process improvement. Prior to her current role, Esther worked as a consultant in the advisory services group, advising Opportunity Funds and Private Equity firms. Esther graduated summa cum laude from Wheaton College (IL) with a B.S. in Mathematics and a B.A. in Sociology.

+1 484.731.0048 elee@chathamfinancial.com

is a member of the London Deal Team and Control and Data Integrity team. Prior to Chatham, Feryel worked in the banking industry, at BNP Paribas (London) and at JP Morgan Chase Bank (Paris, London). Feryel graduated from EDHEC Graduate School of Management (Lille, France) and from the London School of Economics and Political Science.

+44 (0)20.7557.7023 ffraoucene@chathamfinancial.co.uk

directs all tax matters for Chatham from our Kennett Square headquarters. He has over 20 years of tax experience at both public companies and Big 4 accounting firms; most recently heading the tax aspects related to international expansion and mergers & acquisitions for MBNA. Frank has a BS from Purdue University, a JD from The Dickinson School of Law, and an LLM in Taxation from Villanova Law School. He is an attorney and a CPA.

+1 484.731.0287 fkaminski@chathamfinancial.com

manages client relationships, specializing in serving Private Equity firms and Corporates. Before joining the Private Equity team he worked with our Real Estate Opportunity Funds group. Prior to Chatham, he spent four years as a consultant with Bain & Co and The Boston Consulting Group. He holds a degree in Accounting from ITESM (Mexico) and an MBA from Columbia Business School.

+1 484.731.0281 gaguilar@chathamfinancial.com

Gavin works on Chatham's debt management team advising our clients on debt valuations and on the use of Chatham's debt system (FMS). Prior to joining Chatham, Gavin worked for several years in international finance for Sony Pictures Entertainment. Prior to Sony, he became a CPA and worked for Arthur Andersen in the Chicago office. Gavin graduated Summa Cum Laude from Brigham Young University with a BS in Finance and Accounting.

+1 484.731.0225 gduckworth@chathamfinancial.com

Gina is a member of the Accounting Advisory Team and serves financial institutions clients. Prior to joining Chatham, she worked as a senior accountant in the U.S. Buyout Funds at The Carlyle Group in Washington, DC. Gina is a CPA and received her BS in Accounting from Elon University.

+1 484.731.0042 gdiederich@chathamfinancial.com

manages client relationships and is active in new business development. Previously, Greg founded Kendal Financial Corporation which provided corporate and property finance advice to real estate clients. In addition, Greg was President of EMH Financial and a partner with Trammell Crow Residential. He has a BA from Wheaton College, Illinois and an MM in Management from Northwestern University.

+1 708.771.4161 ggolz@chathamfinancial.com

Heather works in Chatham's hedge advisory group advising private real estate companies. Prior to joining Chatham, she worked in sales and as a representative at national boat shows for Tower Systems, Inc. Heather graduated from the University of Delaware with a BA in Political Science and a minor in Economics.

+1 484.731.0014 hfritzinger@chathamfinancial.com

formed Chatham in 1991 and is the managing principal. Formerly a Vice President in the Derivative Products Group at Chemical Bank (now JP Morgan Chase), Michael spent nine years in various credit, corporate finance, and derivative roles in New York and Zurich, Switzerland. He holds a BA in Economics from Wheaton College, Illinois and received an MBA from The Wharton School at the University of Pennsylvania.

+1 610.925.3123 mbontrager@chathamfinancial.com

Jamie works in Chatham?s hedge advisory group, advising financial institutions. Prior to joining Chatham, Jamie was an Associate Director in the Equity Capital Markets Group at UBS Investment Bank and an equity research associate at JP Morgan. Jamie holds an MBA from the Darden School at the University of Virginia and a BA from Davidson College.

+1 484.731.0028 jmcconnel@chathamfinancial.com

Prior to Chatham, Jamie worked in finance and strategy roles for British Airways and First Choice. Jamie has an MS in Mathematics from Imperial College University of London and is a qualified Chartered Accountant.

+44 (0)20.7557.7027 jmacdonald@chathamfinancial.co.uk

is a member of Chatham's internal financial reporting and accounting team. Prior to joining Chatham, she worked as a Senior Staff Accountant at the law firm of Covington & Burling LLP in Washington D.C.. She holds a BS in Accountancy from American University.

+1 484.731.0286 jpritchard@chathamfinancial.com

founded Chatham's Singapore entity in 2007 after leading our Denver office. Jason manages and develops client relationships while overseeing Chatham's Asia business operations. Prior to Chatham, Jason served in the Navy in Japan where he was awarded two Navy Achievement Medals and was a Sailor of the Year. He holds a BS in Economics from Penn State and was a Schreyer Honors Scholar.

+65 6507.0682 jhoffnagle@chathamfinancial.com

Jason is a member of Chatham's Software Quality Assurance group. Prior to joining Chatham, Jason administered the Mercury Test Automation tools for AstraZeneca US, as well as being the chief test automation script writer. Before that he filled a similar role at Exelon Powerteam. He completed his BS in Information Technology at the University of Phoenix.

+1 484.731.0263 jkoelewyn@chathamfinancial.com

manages client relationships, specializing in Financial Institutions. Prior to joining Chatham, Jason worked for the BOC Group in their industrial gases and vacuum equipment business units. Jason also served nearly eight years as an aviation officer in the US Army. Jason received a BS in Materials Science and Engineering from Carnegie Mellon University, and an MBA in Finance from The Wharton School, University of Pennsylvania.

+1 484.731.0435 jlange@chathamfinancial.com

manages client relationships and coordinates the hedging process from analysis through execution. She graduated Cum Laude with a BA in Economics and Finance from Eastern University in Radnor, PA. Jehane is from South Africa and is fluent in Afrikaans.

+1 720.221.3514 x3514 jwalsh@chathamfinancial.com

Jen Kraft is a member of the transaction operations team focusing on private real estate. Before joining the private real estate group she worked in our defeasance business. Prior to joining Chatham, she worked as a paralegal in the New York office of Skadden, Arps, Slate, Meagher & Flom LLP. Jen holds a BBA in business administration and BA in government from The College of William and Mary.

+1 484.731.0015 jkraft@chathamfinancial.com

manages client relationships from our London office, focusing on currency and interest rate hedging for Chatham's Opportunity Fund and Private Equity clients. Prior to Chatham, Jénane worked in a private brokerage firm in Montreal, Canada. Jénane holds an MBA from the HEC School of Management (France) and an MA in International Business from the Fletcher School of Law and Diplomacy, Tufts University.

+44 (0)20.7557.7013 jgazal@chathamfinancial.co.uk

Jenn works in Chatham?s hedge advisory group advising Financial Institutions on documentation and operational support issues, and also works to develop and deliver technology platforms for Financial Institution's clients. Before joining the Financial Institutions team she worked on Chatham's marketing team. Prior to joining Chatham Jenn worked in database development and process flow management for EDS and GMAC Mortgage. Jenn earned an MEd in Secondary Education from Beaver College and graduated with Honors from the University of Miami with a BA in Marine Affairs and Business Administration.

+1 484.731.0229 jrissi@chathamfinancial.com

is a member of the Analytics and Information Team focusing on Pricing and Analytics. Prior to Chatham, Jeremy worked in automation engineering at Intel. He graduated from Pennsylvania State University with a BS in Computer Science and a minor in Statistics.

+1 484.731.0214 jfischer@chathamfinancial.com

Jimmy is a member of Chatham's Financial Institutions Team consulting banks and financial institutions on Asset Liability Mangement and Loan Level Hedging. Prior to joining Chatham, Jimmy spent over seven years in the US Army as an Aviation Officer/Pilot. Jimmy graduated from the United States Military Academy with a BS in Economics.

+1 484.731.0237 joboyle@chathamfinancial.com

leads Chatham's client management activities for real estate loan defeasance. Before joining the Defeasance team, Jodi worked with Chatham's hedge advisory group advising private real estate companies. Prior to Chatham, Jodi spent eight years as a Chinook helicopter pilot in the United State Army. During that time, she deployed to both Afghanistan and Iraq, where she earned a Bronze Star medal for her service with the 101st Airborne Division. Jodi graduated as a Distinguished Military Graduate from Purdue University with a BS in Civil Engineering.

+1 484.731.0246 jeppler@chathamfinancial.com

Joe Nowicki: Joe manages client relationships and leads business development for private real estate companies and funds in the western US. His Chatham experience has focused on strategy, structuring and execution of interest rate and foreign exchange hedging. Prior to joining Chatham Joe was a carrier-based Naval Flight Officer and flight instructor in the Navy. Joe graduated with Distinction from the U.S. Naval Academy with a BS in Systems Engineering and holds an MS in Management from Troy State University. He is a member of ICSC and ULI.

+1 720.221.3504 jnowicki@chathamfinancial.com

Joe provides leadership to the team based in our Krakow office, after several years working on our Pricing and Analytics team. Prior to Chatham, he worked at Goldman Sachs, Accenture, and Wharton Data Research Services. Joe graduated from Cooper Union with a BS in Civil Engineering and has an MBA from the Wharton School at the University of Pennsylvania.

+1 484.731.0242 jsiu@chathamfinancial.com

is a member of the financial management system team (FMS). Johan previously worked with technology related development and in client advisory roles, since 2003. Prior to Chatham, he led the fulfillment center operations for a health services company and served as an engineer in the construction and manufacturing industries. Johan has a BS in Civil Engineering from his native Sweden, and an MBA in Finance and International Business from Southern New Hampshire University.

+1 484.731.0250 jsigge@chathamfinancial.com

Manages client relationships, focusing on interest rate hedging out of our Denver office. Prior to joining the hedge advisory group, he worked on Chatham's defeasance advisory team. Before joining Chatham, Jon worked in operations and human resources at the Salt Lake Convention & Visitors Bureau. He holds a BS in biology from the University of Utah and an MBA in finance from NYU Stern School of Business.

+1 720.249.3607 jskeem@chathamfinancial.com

Jonathan is a member of the Capital Advisory team. Previously, Jonathan originated mortgage and mezzanine debt at Eurohypo AG in New York City. Prior to Eurohypo, Jonathan was an Associate at the New York offices of Cadwalader, Wickersham & Taft and Kaye Scholer LLP. He graduated from Penn State, with Distinction, and received his JD, cum laude, from Temple University.

+1 484.731.0012 jhirshey@chathamfinancial.com

Jonathan works in Chatham?s hedge advisory group based in the London Office. Prior to joining Chatham, Jonathan worked for JP Morgan in hedge fund services. He also spent three years as an Officer in the British Army serving in Germany, Bosnia and Northern Ireland. Jonathan holds an MBA from Cass Business School and a BEng from the University of Bristol.

+44 (0)20 .7557.7033 jlye@chathamfinancial.co.uk

Jordan works in Chatham's hedge advisory goup advising private real estate companies. Before joining the private real estate group, Jordan worked in Chatham's London office as an intern focusing on FX risk management as it applies to the microfinance industry. He graduated Cum Laude from Northwestern College with a BS in Finance.

+1 484.731.0236 jhelmberger@chathamfinancial.com

Jose heads Chatham?s Analytics team, serving clients and consultants in the realm of derivatives valuations and analysis, and developing Chatham?s proprietary pricing models. Prior to Chatham, he worked as a Senior Technology Specialist at Merrill Lynch and as a Technology Associate at Chase Manhattan Bank. Jose holds an MBA from the Darden School of Business Administration at the University of Virginia and graduated with a BS in Electrical Engineering from Polytechnic University.

+1 484.731.0255 jsabastro@chathamfinancial.com

Josh is a member of the AI QA team. Prior to joining Chatham, Josh was employed by the Nielsen company and tested software used for consumer segmentation and targeting. Josh graduated from Millersville University with a BS in computer science.

+1 484.731.0091 x5091 jludwig@chathamfinancial.com

Karolina is part of Chatham Krakow?s FX hedge advisory group advising European real estate companies. Karolina joined Chatham after earning an MA in International Management from the University of Applied Sciences in Muenster, Germany. Previously, she worked as a Recruitment Administrator at Alexander Mann Solutions in Krakow. Karolina also holds an MA in International Relations from Krakow University of Economics.

+44 (0)20 .75577057 kmazurek@chathamfinancial.com

Karolina is a member of Chatham Krakow?s deal team (Transaction Support). Prior to joining Chatham, she spent six months in Mexico at ITESM as part of her studies. She also worked for a few months in accounting departments in Poland (at Volkswagen Bank Polska) and Slovenia. She is studying at the Krakow University of Economics towards an MA in International Relations (expected February 2010) and an MA in Finance and Accounting (expected June 2010). She also holds a Diploma of the International Management Program from the Pforzheim University of Applied Science, Germany.

+48 (0)12 .294.6160 x2037 kszczerban@chathamfinancial.com

Kasia is part of Chatham's Financial Management System team (FMS). Prior to joining Chatham, Kasia worked at BZWBK Bank in Krakow, Poland. Over about four years at BZWBK Kasia was a corporate client relationship manager within the Real Estate & Project Finance team responsible for structuring finance for commercial and residential properties. She holds an MA in Economics from the Jagiellonian University, Krakow Poland and a CCIM title (Certified Commercial Investment Member) from the CCIM Institute, Chicago.

+48 (0)12 .2946160 kkieljan@chathamfinancial.com

Kate is a member of Chatham's hedge advisory services group focusing on derivative operations and internal process improvement. Prior to joining Chatham, Kate worked for Target Corporation as a Business Analyst in their Merchandise Planning division, where she focused on inventory strategy. She is a graduate of Northwestern College in St. Paul, MN where she received a BS in Marketing.

+1 484.731.0018 khelmberger@chathamfinancial.com

is a member of the Cygma team, a new venture Chatham recently launched that specializes in foreign exchange risk management for illiquid currency markets. Kate was previously a member of the Pricing and Analytics team. Prior to joining Chatham, Kate worked for Accenture doing Customer Relationship Manangement work for large pharmaceutical companies. She graduated from Penn State with a BS in Mathematics and a minor in French.

+1 484.731.0095 kphinney@cygmafinancial.com

Prior to joining Chatham, Kathy worked for Graco Children's Products as the N.A. General Manager and Chief Marketing Officer. Prior to Graco, Kathy spent 17 years at Black & Decker in various product development, sales and marketing management roles. Kathy graduated from the University of Delaware with a BA in Communication.

+1 484.731.0221 kwilliams@chathamfinancial.com

is a member of the Controls and Data Integrity (CDI) group. Before joining the Chatham team, she worked as a database marketing analyst at MBNA / Bank of America. Katie holds a BS from Bucknell University, where she double majored in computer science and Spanish.

+1 484.731.0019 klove@chathamfinancial.com

Keith is a member of the Analytics and Information (AI) Team focusing on Pricing & Analytics. Before joining AI, he worked in Chatham's hedge advisory group advising real estate private equity firms. Prior to joining Chatham, Keith was at Wachovia Bank, serving real estate clients as a relationship manager. He earned a BA (general science) and BS (computer engineering) from Morehouse College and Georgia Institute of Technology, and holds an MBA from Columbia Business School.

+1 484.731.0034 kelliott@chathamfinancial.com

Kelley is part of Chatham's Controls and Data Integrity group (CDI). Prior to joining Chatham she worked in operations for JPMorgan Chase on their Private Bank Billing Investigations team and for Kodak Polychrome Graphics as a Database Administrator. Kelley holds a AS from Delaware Technical Community College in Business Administration and a BA from Goldey-Beacom College in Management Information Systems.

+1 484.731.0039 kzarzycki@chathamfinancial.com

Kendra is part of Chatham's Technology group on the Coordination team. She manages projects for Chatham with technology requirements and focuses on the software development lifecycle to help bring about efficiencies and consistency. Prior to joining Chatham, Kendra spent eight years with the Accenture consulting company focusing on the implementation of procurement systems for large financial services firms. Kendra graduated from Macalester College in Saint Paul, Minnesota with a BA in Economics and a BA in Classics.

+1 484.731.0415 kwingert@chathamfinancial.com

Prior to joining Chatham, Kenji worked as a credit rating advisor and credit officer overseeing derivatives products at Goldman Sachs in Tokyo. He holds a JD from University of Georgia, School of Law, and a BA from the New School for Social Research. Kenji is admitted to practice law in the state of New York.

+65 6507.0684 kyamazaki@chathamfinancial.com

is a part of Chatham.'s Technology group. Prior to Chatham, Kevin worked in the banking and utilities industries. Kevin graduated from North Carolina State University with a BS in Computer Science.

+1 484.731.0072 kbuckley@chathamfinancial.com

is a member of the Analytics and Information (Ai) Team focusing on web development. He comes to Chatham with nine years of experience ranging from financial to medical management software development. He received a BS degree in Computer Science from University of Maryland. Kevin also received an MS degree in Computer Science from Loyola College in Maryland.

+1 484.731.0284 kdavis@chathamfinancial.com

focuses on quality assurance, database integrity, system design, and testing of Chatham's systems. Prior to Chatham, he was employed as a Natural Gas Supply Analyst for Connectiv Power Delivery. Kevin received an AS from Delaware Technical and Community College in Data Processing and a BA in Communications from the University of Delaware.

+1 484.731.0216 kkelleher@chathamfinancial.com

Kevin works out of Chatham's Denver Office in the hedge advisory group and manages client relationships for public real estate companies. Prior to Chatham, Kevin worked in the financial services industry for over 10 years advising large institutional investors. Kevin has a BA from Case Western Reserve University and a graduate degree in performance from the Cleveland Institute of Music.

+1 720.221.3505 kskube@chathamfinancial.com

Kim manages client relationships for the Financial Institutions Team. Before joining the Financial Institutions Team she worked with Chatham's public real estate team. Prior to joining Chatham, she graduated magna cum laude from the University of Delaware with a BA in Political Science.

+1 484.731.0410 kolson@chathamfinancial.com

Kirsten Kemp is a member of Chatham Capital Advisors. Since 2006 Kirsten has worked on over $2 billion of restructuring and bankruptcy transactions. She has assisted in the financings of over $1 billion in assets, including office and hospitality. Kirsten holds a BA and an MA in Mathematics from Bryn Mawr College.

+1 484.731.0020 kkemp@chathamfinancial.com

Laura works in Chatham?s hedge advisory group advising public real estate companies. Prior to joining Chatham, Laura worked for Booz Allen Hamilton in the Economic and Business Analysis Group as a Capital Asset Management consultant. Laura graduated from Pennsylvania State University with a BS in Finance and minors in Economics and International Relations.

+1 484.731.0006 lgrant@chathamfinancial.com

Laure works in Chatham's hedge advisory group, managing client relationships from our London office.Prior to joining Chatham?s, Laure worked in credit derivatives structuring at Barclays Capital. Laure holds a MSc degree in Probability from the Swiss Federal Institute of Technology and a MSc in Finance & Economics from the London School of Economics & Political Science.

+44 (0)20.7557.7026 lzeboulon@chathamfinancial.co.uk

Lindsay is a part of the People and Organization Development group and focuses on recruiting, internal communication, and organizational effectiveness. She's done related work within human resources at Chatham as well. She is a graduate of Temple University where she received a BA in Communication Sciences and completed her MA in Organizational Psychology at Columbia University.

+1 484.731.0215 levans@chathamfinancial.com

is a member of the Operations Team. Prior to Chatham, she worked at public accounting firms in the US and Switzerland including Deloitte & Touche and PriceWaterhouseCoopers in tax and auditing functions. Lucia graduated Summa Cum Laude from the University of Illinois at Urbana-Champaign with a BS in Accounting and is a CPA.

+1 484.731.0293 lmichlovich@chathamfinancial.com

Luke leads Chatham?s US Public Real Estate advisory group, providing hedge advisory, capital advisory, defeasance and debt management services to public real estate companies. Previously, Luke served Chatham?s financial institution clients, helping community and regional banks manage their interest rate risk and implement loan-level hedging programs for their borrowers. Prior to joining Chatham, Luke worked as a management consultant at Deloitte. Luke holds a BS in Finance from Penn State.

+1 610.925.3136 lzubrod@chathamfinancial.com

Mae Mae is a member of the Analytics team, serving clients and consultants in the realm of analysis and derivatives pricing, and developing Chatham?s proprietary valuation models. Prior to joining Chatham, Mae Mae attended Wheaton College, from which she graduated magna cum laude with a BS in Mathematics. During her time at Wheaton, she also studied art and spent significant time in youth mentoring roles.

+1 484.731.0070 mbarnes@chathamfinancial.com

Magdalena is part of internal finance and HR teams and is responsible for administration of the Krakow office. Prior to joining Chatham, Magdalena worked as International Office Manager for SkyEurope Airlines, travelling between Krakow, Bratislava, Prague, Budapest and Vienna. Before that, she worked for a language center and was a newsroom journalist at the RMF FM radio station. She holds a BA in English Teaching from Krakow Pedagogical University and earned a BA in Management from International Business School in Breda, the Netherlands. She received her MA in Marketing and Management from Krakow University of Economics.

+48 (0)12 .2.946160 x2034 msokolowska@chathamfinancial.com

Makedo works in Chatham's hedge advisory group, primarily advising both mortgage and equity real estate investment trust clients. Makedo has also previously worked with private clients, including various real estate developers and opportunity funds. Prior to joining Chatham, Makedo spent two years at the College of William and Mary's Mason School of Business, where he earned an MBA in Finance. Makedo also holds a BA in Economics from the University of Rochester.

+1 484.731.0422 mwisseh@chathamfinancial.com

is a member of the Cygma team, specializing in foreign exchange risk management for microfinance investment funds operating in illiquid currencies. Mark previously led the real estate private equity hedge advisory team and also conducted business development activites for the corporates hedge advisory team. Prior to Chatham, Mark worked as a civil engineering officer in the Air Force. He graduated from MIT with a BS in Art and Design. He also holds an MS in Civil Engineering from Stanford.

+1 484.731.0252 maudigier@chathamfinancial.com

Mark works in London's hedge advisory team advising corporations, private equity funds and real estate clients. Prior to Chatham, Mark served as an Infantry officer in the U.S. Army. Mark graduated with highest distinction from the US Military Academy at West Point and received an MA degree from the Fletcher School of Law and Diplomacy. He is currently on the board of governors of CMSA-Europe.

+44 (0)20 .7557.7010 mbattistoni@chathamfinancial.co.uk

Mark works in Chatham's hedge advisory group advising Private Equity and Opportunity Funds, in addition to CMBS Servicing firms, for whom Mark focuses on Interest Rate, Currency and Inflation Hedging. Prior to joining Chatham Mark worked at HSBC Investment Bank and trained with the British Army as a Signals Officer. Mark holds a BA (Hons) Marketing from the University of Glamorgan.

+44 (0)20.7557.7007 mbeckett@chathamfinancial.co.uk

As a member of Chatham Capital Advisors, Mark has raised capital for office, retail, industrial, and hospitality projects totaling more than $1.2 billion. In addition, he has worked on more than $2.5 billion in bankruptcy and restructuring transactions. Prior to joining Chatham, Mark worked for PNC Multifamily Capital and focused on the financing of affordable housing projects across the United States. Mark received a BA in History and an MBA in Finance from the Pennsylvania State University. Mark also holds an MA in History from Pepperdine University.

+1 484.731.0285 mbrace@chathamfinancial.com

manages client relationships, specializing in FAS 157. Since 1987, Mark has used derivatives to manage risk. He has managed derivatives portfolios, helped banks and corporations use derivatives to manage foreign currency and interest rate risk, and navigated the associated accounting and regulatory environment. At Chatham Financial, Mark advises clients on how to manage market risk, credit risk, accounting risk, interest rate risk, and foreign currency risk using derivatives. Previously, Mark managed corporate relationships in the Media Sector as Vice President of the ABN AMRO?s Equity Research Desk. As a derivatives marketer for Bank of Boston (now Bank of America), he managed transactions on behalf of corporate clients and structured derivatives for sale to institutional investors. Mark has managed assets and liabilities as part of the Treasury division of five New England regional commercial banks. He received a Bachelor or Arts from Brown University, in Providence, RI, and an MBA from Columbia Graduate School of Business in New York City. Henderson is a CFA charter holder and a member the CFA Institute and the New York Society of Securities Analysts.

+1 610.925.3128 mark@chathamfinancial.com

Mark McNamara: Mark works in our hedge advisory group advising financial institutions in the western United States. Prior to joining Chatham Mark was a Field Artillery Officer in the Army. Mark holds BS in Economics from the United States Military Academy.

+1 720.221.3512 mmcnamara@chathamfinancial.com

Mary Lou manages the Coordination, Quality Assurance and Systems Administration teams in Chatham's technology group. Prior roles at Chatham include implementing our internal accounting system, and managing Chatham's Human Resources. Before Chatham, Mary Lou worked for Ohana Systems, as a business analyst, and Dupont Company as a research and development engineer. Mary Lou graduated from Bucknell University with a BS in Mechanical Engineering.

+1 610.925.3127 mlvansant@chathamfinancial.com

Matt works in Chatham's hedge advisory group and manages client relationships, specializing in Public Real Estate companies. Previously, Matt worked in our team serving private real estate firms. Prior to Chatham, Matt served in the U.S. Army as an infantry officer, with his final assignment as the operations officer for an airborne battalion, which included deployments to Afghanistan and Iraq. He graduated with Distinction from the United States Military Academy, earning a BS in Political Science.

+1 484.731.0271 mkephart@chathamfinancial.com

is a member of the Analytics and Information Team focusing on database programming and database infrastructure. Previously, Matt worked for various software development companies designing databases and developing software for the finance and insurance industry. Matt graduated from Drexel University with a BS in Finance.

+1 610.731.0223 mritz@chathamfinancial.com

is a member of the Capital Advisory Team, specializing in new business development. Prior to Chatham, Matt worked as a Private Equity and Investment Analyst for a hedge fund. Additionally, Matt worked as the Manager of Corporate Development for a financial services software firm. Matt holds a BA in Business and Economics from Wheaton College, Illinois and an MBA from the University of Michigan.

+1 484.731.0258 mhenry@chathamfinancial.com

Mike leads Chatham's Treasury, Administrative and Operations Teams. Prior to Chatham, Mike worked for the DuPont Company in various financial and business functions in Wilmington, DE. Mike graduated from Pennsylvania State University with a BS in Finance and subsequently achieved his Certification in Control Self-Assessment from the Institute of Internal Auditors.

+1 484.731.0213 mdemarco@chathamfinancial.com

Mike works in Chatham's hedge advisory group focusing on training, derivative documentation and process improvement. Mike has held a number of postions in both the client advisory, technology, and training groups over the years. Prior to joining Chatham, Mike managed space rocket, satellite, and sensor projects for the U.S. Air Force. He received a BS in Electrical and Computer Engineering from Brigham Young University and graduated with Distinction from the Air Force Institute of Technology with an MS in Computer Engineering.

+1 720.221.3503 mashby@chathamfinancial.com

Mike advises corporate clients on interest rate and foreign exchange risk out of the Denver office. Prior to joining this team he worked in the same functional area for our public real estate team. Mike has experience dealing in every major currency and floating rate index and has advised on more than $35B in transacitons while with Chatham. He holds a BS in Mechanical Engineering from the Colorado School of Mines and an MS in Finance from the University of Denver.

+1 720.249.2097 mcornelius@chathamfinancial.com

Mike Love: Mike is a member of the Analytics and Information (AI) Team focusing on application development. Prior to Chatham, he worked at Enerwise Global Technologies developing web pages and database applications. Michael graduated from the University of Delaware with a BS in Computer Science.

+1 484.731.0222 mlove@chathamfinancial.com

Mike is the real estate industry lead on the Accounting Advisory Team, which advises clients on valuations and accounting for derivatives and hedging activities. Prior to joining Chatham, Mike was a Senior Advisor in Ernst & Young's On Call Advisory Group with a focus on FAS 133, FAS 140, and FIN 46. Mike is a CPA and received his BS in Accounting, summa cum laude, and MAcc from the University of Utah. Mike also lived in Germany for two years and speaks German.

+1 484.731.0007 mstrong@chathamfinancial.com

Miriam Steinberg: Miriam manages legal and compliance issues as part of Chatham?s internal financial reporting and accounting team. Prior to joining Chatham, she worked for many years as a paralegal in the areas of real estate, securities, tax, estate planning, and technology and media law at major law firms in New York, Palo Alto, and Los Angeles. Miriam holds a M.A. and B.A. from Columbia University and is fluent in several languages, including German and Hebrew.

+1 484.731.0262 msteinberg@chathamfinancial.com

Neil manages business development and client relationships for Chatham?s Financial Institutions Team, helping banks to manage interest rate risk on their balance sheet and offer derivative product solutions for their borrowers. Prior to joining Chatham, he served two tours in Iraq as an officer with the U.S. Army's 3rd Infantry Division and was twice awarded the Bronze Star. Neil graduated from Villanova University with a BA in Political Science.

+1 484.731.0031 neil@chathamfinancial.com

Niina leads Chatham's Controls and Data Integrity team (CDI). Prior to Chatham, she worked as a credit officer with the Corporate Finance department of Kansallis-Osake-Pankki. She holds an MSc in Economics and Business Administration from Turku School of Economics and Business Administration. She is fluent in Finnish and Swedish.

+1 484.731.0219 noja@chathamfinancial.com

is a member of Chatham's Human Resourses team. Prior to Chatham, Paige spent several years as an Account Manager at Creative Financial Group, an Estate Planning firm in Newtown Square, PA. She graduated from the University of Delaware with a BS in Business Administration focusing on Marketing and Operations Management.

+1 484.731.0090 prussell@chathamfinancial.com

Pam manages client services and marketing efforts at Cygma (www.CygmaFinancial.com), a new venture Chatham recently launched that specializes in foreign exchange risk management for illiquid currency markets. Pam has over nine years of experience in social enterprise development and management and has conducted field research on microfinance in India, Malawi, and Uganda. She graduated magna cum laude with a BA in political science and history from Brown University and has an MPP from the Harvard Kennedy School.

+1 484.731.0414 pbrown@cygmafinancial.com

is a member of Chatham's Human Resources team. Originally from Washington State, Pam has worked in the banking industry, specifically in commercial and residential lending. She also has several years of corporate administrative experience.

+1 484.731.0047 pwest@chathamfinancial.com

Paolo works in Chatham's hedge advisory group advising Private Equity funds and Corporates on Interest Rate and Currency Hedging. Prior to joining Chatham, Paolo worked in finance and strategy roles for Nissan Italy, General Motors Italy and General Motors UK. Paolo holds an MBA from Cass Business School (London) and a Master's degree in Finance & Accounting from Universita' di Roma Tre (Rome).

+44 (0)20 .7557.7015 pesposito@chathamfinancial.co.uk

Paul works in Chatham's hedge advisory group advising public real estate companies. Prior to joining Chatham, Paul worked as a clerk at the Chicago Board of Trade, an internal wholesaler at First Trust Portfolios and most recently as Residential Director at Showalter Roofing Service in Naperville, Illinois. Paul graduated from Wheaton College with a BS in Mathematics and a BA in Economics, and earned an MBA from the University of Chicago Booth of Business.

+1 484.731.0427 pelsen@chathamfinancial.com

Paulina is part of Chatham's QA Team in Krakow.Prior to Chatham, Paulina worked for Monster Worldwide in Chicago as a QA Tester. She graduated from Governors State University in University Park, Illinois with a BS in Management Information Systems.

+48 (0)12 .2946160 x2038 pcichon@chathamfinancial.com

Peter provides leadership to the team based in our Krakow office, after several years working on our Pricing and Analytics team. Prior to Chatham, he worked as an associate pastor in Poland, after several years as a software engineer at IBM. Peter graduated Phi Beta Kappa from Duke University with a BS in Mathematics and a BA in Economics. He also received an MBA from Duke University, graduating as a Fuqua Scholar.

+1 484.731.0270 pahlin@chathamfinancial.com

is a member of the Analytics and Information (Ai) Team focusing on applications development. Prior to Chatham, he worked as an analytical chemist and as a software developer. Pete graduated from the University of Delaware with a BS in Chemistry.

+1 484.731.0026 pyee@chathamfinancial.com

Phil Weeber: Phil works in Chatham?s hedge advisory group advising public companies. Prior to focusing on public companies, he has led Chatham?s structured finance team, led business development efforts, and worked with public and private real estate companies. Before joining Chatham, Phil worked as an environmental engineer focused on groundwater flow and transport problems. Phil holds a MBA from Emory (Goizueta) University, Masters in environmental engineering from the University of North Carolina, and a BS in civil engineering from the University of Michigan.

+1 484.731.0241 pweeber@chathamfinancial.com

Phong works in London's hedge advisory team advising corporations, private equity funds and real estate clients on interest rate and currency hedging. Prior to Chatham, Phong practiced law in Boston, Massachusetts, where he advised clients seeking to achieve tax efficiency for estate planning purposes. Phong graduated Cum Laude with a BA in Classics from Boston College, Cum Laude with a JD from Suffolk University Law School and also holds an MBA from the University of Oxford.

+44 (0)20.7557.7019 pdinh@chathamfinancial.co.uk

is a member of the Analytics and Information (AI) Team focusing on application development. Prior to Chatham, she worked as a software developer at M.T.N.L, India and as a Bioinformatics Research Assistant at Temple University. Pooja graduated with Distinction from Mumbai University with a BE in Computer Engineering. She also has an MS in Computer and Information Sciences from Temple University.

+1 484.731.0251 phegde@chathamfinancial.com

Radhika works on the Analytics and Information (Ai) team. Prior to joining Chatham, Radhika did Quality Assurance/Software Testing/Software Development work in the Insurance field. Radhika graduated with a B Tech in Electrical and Electronics Engineering from JNT University in India.

+1 484.731.0067 RKhatamakka@chathamfinancial.com

works in our hedge advisory group out of our Denver office. He advises public real estate companies in fx and interest rate risk management. Before fosuing on public real estate, Randy assisted private equity and opportunity funds. Prior to Chatham, Randy worked as a consultant and as a financial analyst. Randy graduated from the Colorado School of Mines with a BS in Chemical Engineering and a BS in Economics. He also holds an MBA from the University of Michigan's Ross School of Business.

+1 720.221.3515 rmedina@chathamfinancial.com

Razvan leads Chatham's Corporate Accounting Advisory Team, and assists companies in a wide range of industries with accounting for derivatives and hedging transactions. Prior to Chatham, Razvan worked at KPMG Romania as an Assistant Manager, auditing clients in the financial services industry. A graduate of Bucharest Academy of Economic Studies, Razvan is a Fellow of the Association of Chartered Certified Accountants (ACCA) and holds a BSc. (Hons) degree in Applied Accounting from Oxford Brookes University in the UK. In 2006 he graduated with a MSc. in Finance from London Business School.

+1 484.731.0037 rionescu@chathamfinancial.com

Becky provides support to the Chatham leadership and marketing teams. She has also worked on recruiting and travel coordination during her time at Chatham. Becky graduated from Furman University with a BA in English Literature.

+1 484.731.0247 rminer@chathamfinancial.com

Regan is a consultant on Chatham's Defeasance Team. Prior to joining Chatham, Regan spent eight years in the US Army as an Engineer Officer. His last assignment was commander of a combat engineer company in Iraq where he was awarded a Purple Heart. Regan graduated from the United States Military Academy with a BS in Aerospace Engineering and holds an MS in Engineering Management from the University of Missouri-Rolla.

+1 484.731.0207 rcampbell@chathamfinancial.com

is the leader of our Analytics & Software Development teams. Prior to this role, Patrick worked with the Defeasance and Financial Institutions teams. Before Chatham, Patrick spent 10 years in the software industry, most recently with Siebel. Patrick earned a B.Eng. in Mech. Eng. and an M.Sc. in Explosive Cutting (developing explosive cutting tools for the oil industry) from UMIST in the UK.

+1 484.731.0254 pmillar@chathamfinancial.com

manages client relationships, specializing in serving private equity firms and general corporates. Prior to Chatham, he worked for MBNA developing competitor and industry analysis tools and at the FAA Technical Center as a budget and program analyst. Rich holds a BBA in Finance from James Madison University and an MBA from Pennsylvania State University.

+1 484.731.0224 rweins@chathamfinancial.com

Richard is a member of the Accounting Advisory Team and serrves corporate clients in a wide range of industries, including entertainment, telecommunications, and retail sectors. Prior to joining Chatham, Richard worked for Deutsche Bank in Regulatory Reporting. Richard graduated from the University of Delaware with a BS in Accounting and a minor in Management Information Systems.

+1 484.731.0143 rshellenberger@chathamfinancial.com

is a member of the Financial Management System (FMS) Team. Before joining the FMS Team, Rick worked for Chatham's hedge advisory group advising private real estate clients. Prior to Chatham, he served as an officer and pilot in the Air Force for nine years. Rick was a Distinguished Graduate from the United States Air Force Academy with a BS in Astronautical Engineering and earned an MS in Information Resource Management from Central Michigan University.

+1 484.731.0010 rkjellberg@chathamfinancial.com

heads Chatham?s Quantitative Team focusing on derivatives pricing, risk analytics, and FAS 157 credit risk modeling. Prior to Chatham, Riko worked as a relationship manager at Bank Bali in Indonesia. He graduated from Petra Christian University in Indonesia with a BS in Electrical Engineering. He also holds an MBA in Finance from Pennsylvania State University.

+1 610.925.5642 rbanardi@chathamfinancial.com

Rob is a member of the Accounting Advisory Team and serves real estate clients. Prior to joining Chatham, he worked as a senior auditor at Deloitte & Touche LLP. Rob is a CPA and received his MAcc and BS in Finance from the University of Denver.

+1 720.221.3518 rhybiak@chathamfinancial.com

Rob is a member of the Accounting Advisory Team, advising public real estate companies and specialty finance companies. Prior to joining Chatham, Rob worked for Ernst & Young, LLP in their Philadelphia office on audits of financial institutions. Rob graduated from the University of Delaware with a BS in Accounting and a minor in Management Information Systems.

+1 484.731.0419 rmangrelli@chathamfinancial.com

advises companies on accounting for derivative transactions. Prior to Chatham, Ryan worked at the Financial Accounting Standards Board on amendments to FAS 133, FAS 140, and FAS 150. Prior to working at the FASB, Ryan worked as the assistant controller for Westfield Properties. Ryan graduated with Honors from the University of Utah with a BA and an MpRA in Accounting.

+1 720.249.3608 rbergstrom@chathamfinancial.com

Ryan is part of Chatham's Quant group. His work includes developing derivative pricing models for interest rate and foreign exchange products as well as Chatham's FAS157 valuation model. Prior to joining Chatham, Ryan received his PhD in Mathematics from Duke University in Durham, North Carolina. His dissertation focused on signal processing with applications to speech recognition. He also holds BS and MA degrees in Mathematics from Duke University.

+1 484.731.0089 rdeering@chathamfinancial.com

Ryan works on the Private RE/Private Equity team and advises on pre/post trade transaction documentation. Prior to joining Chatham, Ryan spent 7 years at a national real estate service; the last 4 as a director focusing on operations and process improvement. He graduated from the University of Delaware with a BS in Interdisciplinary Studies with concentrations in Human Resources and Family Studies.

+1 484.731.0050 rgannon@chathamfinancial.com

Sam is a member of the Financial Management System (FMS) team. Before joining the FMS team, he worked on our defeasance team as a client consultant. Prior to Chatham, Sam worked as a business and IT consultant for Accenture, where he worked with clients specializing in wholesale power markets and energy derivatives trading. Sam graduated from the Pennsylvania State University as a Schreyer Honors Scholar with a BS in Engineering Sciences.

+1 484.731.0004 sheriegel@chathamfinancial.com

Sam works in Chatham's government and regulatory advisory group. Prior to joining the government and regulatory team, Sam worked on our Financial Institutions, Structured Finance, and Private Real Estate teams. Prior to joining Chatham, Sam worked at law firms in Wilmington, New Orleans, and Philadelphia. Sam holds a BA from the University of Delaware. He also holds a certificate in Finance and Accounting from the Wharton School of the University of Pennsylvania.

+1 484.731.0276 speterson@chathamfinancial.com

Sandy works in Chatham's hedge advisory group advising corporate companies. Before joining the corporates group she worked in our hedge accounting advisory team. Prior to joining Chatham in 1998, Sandy worked in Corporate Accounting at SEI Investments. Sandy graduated Magna Cum Laude from Drexel University with a BS in Accounting.

+1 720.221.3501 scrawford@chathamfinancial.com

leads our Human Resources team as well as various internal training initiatives. Previously, he led our Documentation and Data Integrity teams. Prior to joining Chatham, Scott worked in various underwriting positions with Liberty Mutual Insurance Group. Scott graduated with Distinction from The Pennsylvania State University with a BS in Mathematics.

+1 610.925.3132 sklein@chathamfinancial.com

Shalini is a member of the Analytics and Information (Ai) team. Prior to Chatham, she worked as a Systems Analyst and as a Software Test Engineer in the Healthcare IT Industry. She also has experience working in the Transportation Industry. Shalini graduated from Rashtreeya Vidhyalaya College of Engineering in India with a BE in Telecommunication Engineering.

+1 484.731.0027 skharidi@chathamfinancial.com

is a member of Chatham's Human Resources team. Prior to Chatham, she worked for several chemical and pharmaceutical companies, including DuPont. Sharon earned a BS in Mechanical Engineering from Duke University.

+1 484.731.0282 shilgart@chathamfinancial.com

Shazia works with Chatham's accounting services team, which advises clients on valuations and accounting for derivatives and hedging activities. Prior to joining Chatham, Shazia worked as an analyst in the Debt & Derivatives Accounting group as well as the Operations & Risk Management group within Fannie Mae where she was involved in the implementation and designing of Sarbanes-Oxley risk control tools. Prior to Fannie Mae, she has worked at Deloitte and Touche and Morgan Stanley. Shazia is a CPA and received her BS in Accounting from Hunter College.

+1 484.731.0239 skhurshid@chathamfinancial.com

is a member of the Financial Management System (FMS) team. Prior to joining Chatham, Shelley worked for AstraZeneca Pharmaceutical Co. in the data management division. The majority of her 11 years in the Pharmaceutical Industry was spent as a SAS Programmer with a focus on data integrity. Prior to her Pharmaceutical experience, Shelley was a banquet sales manager for a local hotel. She holds a BS degree from Widener University in Hotel/Restaurant Management.

+1 484.731.0065 sconsiglio@chathamfinancial.com

Sherise is a member of the Accounting Advisory Team and serves financial institutions clients. Prior to joining Chatham, Sherise spent nearly eight years at Ernst & Young LLP and worked in the Salt Lake City, Boston, and Phoenix offices auditing financial institutions. Sherise is a CPA and received her BS in Accounting, summa cum laude, from Utah State University and her Master of Professional Accountancy from the University of Utah.

+1 484.731.0407 sfederico@chathamfinancial.com

Sherry Silva is a member of Chatham's Internal Finance team. Prior to joining Chatham, Sherry spent ten years working in various accounting roles, and most recently worked at MBNA as a Tax Analyst. She graduated Summa Cum Laude from Goldey Beacom College with a BS in Accounting and an MBA in Finance.

+1 484.731.0294 ssilva@chathamfinancial.com

is a member of the Analytics and Information (Ai) Team focusing on application development. Prior to Chatham, he spent over 15 years in various industries doing IT development and design work. Steve holds an AS in Computer Science from Lehigh Carbon Community College and a BS in Computer Science from West Chester University.

+1 484.731.0283 sroth@chathamfinancial.com

Stephen leads Chatham's FAS 157 / Fair Valuations team. Before leading this team Stephen worked with the Pricing and Analytics team and the Financial Management System (FMS) team. Prior to Chatham, Stephen worked as a Business Analyst with SEI Investments, developing financial analysis software. Stephen has a BA in American History from Harvard and an MDiv in Theology from Andover Newton Theological School. Stephen earned his Chartered Financial Analyst (CFA) designation in 2008.

+1 484.731.0016 sbarr@chathamfinancial.com

Steve is a member of the Accounting Advisory Team and advises corporate clients in a wide range of industries, including hospitality, telecommunications, and pharmaceuticals. Prior to joining Chatham, Steve worked at Merrill Lynch Bank in Utah, overseeing the Bank's accounting for derivatives and investment securities. Steve previously worked in New York for PricewaterhouseCoopers' Accounting and Valuation Advisory Group where he primarily consulted with multinational corporations on FAS 133, 140, and 157 accounting issues. He also spent one year at the Financial Accounting Standards Board in Connecticut as a technical assistant. Steve received his Masters of Accountancy and BA in Accounting from the University of Utah.

+1 484.731.0033 sarveseth@chathamfinancial.com

Steve is a member of the FAS 157 valuations team. He has also worked with Chatham's internal finance and private real estate teams. Prior to joining Chatham, Steve worked in Finance and Operations roles with Physiotherapy Associates, Agilent Technologies, Johnson Controls and PriceWaterhouseCoopers. Steve graduated from Calvin College with a BA in Business Administration and holds an MS in Industrial Administration from the Krannert School of Management at Purdue University.

+1 484.731.0421 sbolhouse@chathamfinancial.com

Steve is the financial institutions industry lead on the Accounting Advisory Team, which advises clients on valuations and accounting for derivatives and hedging activities. Prior to Chatham, Steve was with Ernst & Young, where he specialized in audits of financial institutions. Prior to E&Y, Steve worked at the Financial Accounting Standards Board on the Derivatives Implementation Group and worked on FAS 138, an amendment of FAS 133. Steve is a CPA and received his BS, cum laude, and MAcc from Brigham Young University.

+1 484.731.0233 scastleton@chathamfinancial.com

is based out of the London office working as a member of the AI Systems Administration team. Prior to Chatham, he worked for seven years at The Bank Of East Asia where he gained his MCSE and CCNA qualifications.

+44 (0)20.7557.7025 sgoody@chathamfinancial.co.uk

is a member of the Operations Team working primarily with internal accounting. Prior to joining Chatham, Steve worked as an investment accounting supervisor with PFPC, a subsidiary of PNC Bank. Steve holds a BA in Finance and Accounting from Cedarville University and an MBA from the University of Delaware.

+1 484.731.0025 slamp@chathamfinancial.com

Subhashini is a member of the Analytics team, serving clients and consultants in the realm of analysis and derivatives pricing, and developing Chatham?s proprietary valuation models. Prior to Chatham, Subhashini gained over eight years of experience in software development and data analysis. Subhashini has a BS in Electronics Engineering from Bangalore University in India, an MA in Mathematics and Computer Science from Eastern Michigan University, and an MBA in Finance and Management from the NYU Stern School of Business.

+1 484.731.0094 srengan@chathamfinancial.com

is a member of the Analytics and Information (Ai) team. Prior to joining Chatham, Sunny did Quality Assurance/Software Testing work in several fields, including Advertising and Financial Services. Sunny graduated with a BA in Management from Georgia State University in Atlanta, GA. He served five years in the United States Air Force as an Aircraft Armament System Specialist.

+1 484.731.0030 slai@chathamfinancial.com

Susan is part of Chatham's internal services team. Prior to joining Chatham, Susan owned a retail bead store in Media, PA. Before the store, she was the office manager for a proprietary trading firm on the Philadelphia Stock Exchange for 18 years. Susan graduated from Rider University where she received an AA degree.

+1 484.731.0424 ssalman@chathamfinancial.com

Ted works with Chatham's client consulting and transaction management teams. Prior to Chatham, Ted spent eleven years in banking as a trader and marketer, assisting clients in managing currency and interest rate exposures. Ted graduated from Villanova University with a BS in Commerce and Finance and holds an MBA from Drexel University.

+1 610.925.4765 tmccullough@chathamfinancial.com

Teresa is from Moultrie, Georgia and has been in Pennsylvania for the last four years. Prior to moving to PA, she spent 10 years in Atlanta where she worked with Ernst & Young, LLP for six and a half years and then transferred to the Philadelphia office in 2006. After leaving E&Y, she worked for MDS Pharma Services, a clinical research company in King of Prussia.

+1 484.731.0043 x5043 tbeall@chathamfinancial.com

Thomas works on Chatham's Analytics team, serving clients and consultants in the realm of derivatives valuations and analysis, and developing Chatham?s proprietary pricing models. Prior to joining Chatham Thomas worked as a Senior Leadership Program consultant at Sears Holdings Corporation and as a lead design engineer at Ford Motor Company. Thomas holds an MBA from Harvard Business School, an MS in Mechanical Engineering from Stanford University, and a BS (Summa Cum Laude) from Cornell University.

+1 484.731.0139 tleung1@chathamfinancial.com

Tim is a member of the Analytics & Information Team focusing on the implementation of analytical models and tools. Prior to joining Chatham, Tim spent eight years developing software and web-based applications in the financial and legal industries.

+1 484.731.0069 tsavery@chathamfinancial.com

Tom leads our Financial Management System (FMS) team. Prior to this role, Tom worked with the Analytics and Information software development teams and worked extensively with the financial pricing models. Prior to Chatham, Tom worked at GE Aircraft Engines in engineering and marketing and was an Army officer in Germany. Tom holds a BS in Mechanical Engineering from the United States Military Academy at West Point, an MS in Mechanical Engineering from the University of Cincinnati, and an MBA from INSEAD in France.

+1 610.925.3130 ttrinter@chathamfinancial.com

Tomasz works in Chatham`s hedge advisory group. Prior to joining Chatham, Tomasz worked for some time as a Data Analyst for Capgemini in Krakow, Poland. He holds a Bachelor's degree in IT and Econometrics from Krakow University of Economics. He continues his education there on masters studies. He also spent some time studying at ESC Lille, France.

+48 (0)12 .294.6160 x2042 tcichowski@chathamfinancial.com

Tomasz is part of Chatham's European transaction support team based in our Krakow office. Prior to joining Chatham, Tomasz worked for PMR Consulting in Cracow as an Analyst. He graduated from Cracow University of Economics with a MA in International Relations. He also holds a Certificate of the International Management Program at the Pforzheim University of Applied Science, Germany.

+48 (0).122946160 x2032 twija@chathamfinancial.com

Tony is a member of the Analytics and Information Team focusing on Pricing and Analytic systems. Prior to Chatham, he spent over seven years in the Navy as a nuclear surface warfare officer, completing two deployments to the Arabian Gulf and Caribbean. He continues to serve in the US Navy Reserves. Tony graduated from the Georgia Institute of Technology with a BS in Computer Engineering.

+1 484.731.0098 tcarl@chathamfinancial.com

is on the Capital Advisory team where he manages client relationships and is active in new business development. He has worked with opportunistic real estate funds, private equity firms, high yield bond funds, and CMBS and CDO originators on transactions ranging from structuring and executing derivatives to advising on capital structure to sourcing debt. Tony also worked on Chatham's earliest commercial defeasance transactions beginning in February of 2000. He holds a BS in Industrial Engineering from Penn State and was a Schreyer Honors Scholar. He holds an MBA from Columbia Business School.

+1 484.731.0260 ttalbert@chathamfinancial.com

manages client relationships, focusing on conduit loan defeasance. Prior to joining Chatham, Traci was with Newman & Associates (division of GMAC Commercial Mortgage) for six years, primarily on their defeasance team. She graduated from the University of Wyoming with a BA in English and Theatre Education. Her past experience includes teaching high school English and theatre in Gillette, WY, retail management, and dental office management.

+1 720.221.3516 tjervis@chathamfinancial.com

Vuk is heading Chatham's advisory effort towards Corporate and Real Estate Private Equity Funds in Asia and has advised on risk managment in some of the largest LBOs in Europe and Asia. Prior to co-founding the Singapore office, Vuk worked in the UK and US offices of Chatham. Vuk graduated Cum Laude from the Sorbonne University (University of Paris I) with an MSc in International Finance and Economics.

+65 6507.0688 vuk@chathamfinancial.com

Wes Millard: Wes works in Chatham's Denver office advising private real estate companies and opportunity funds in interest rate and currency hedging. Prior to joining Chatham Wes was an intelligence officer in the Air Force. Wes holds an MBA from American Military University and BS in Foreign Area Studies from the United States Air Force Academy.

+1 720.249.2096 wmillard@chathamfinancial.com

William is part of Chatham's Analytics and Information Team. Prior to joining Chatham, William worked at Economy.com (now Moody's Economy.com) for over six years as a member of the IT group, designing and developing web pages and software. He graduated from University of Pennsylvania with a BA in Economics.

+1 484.731.0274 wwang@chathamfinancial.com

Wojtek is part of the Krakow transaction support team. Prior to joining Chatham, he was a business English teacher at Motorola, Shell and even Chatham Krakow. Before moving to Krakow from London, he was a freelance Software Developer at Logica, Travelex and Banctec. He graduated from Technikon South Africa (now part of the University of South Africa) with a Diploma in IT. He also has a CELTA certificate for teaching English to adults and is a Microsoft Certified Software Developer (MCSD).

+48 (0)12 .294.6160 x2044 wkukulski@chathamfinancial.com