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SHLUFMAN 90 Windsor Road * Tenafly, New Jersey 07670 Home: 201-225-1056 * Cell: 917-575-6977 E-Mail: MORTGAGE/REAL ESTATE EXECUTIVE Accomplished mortgage and real estate executive who knows how to run an organiza tion, analyze real estate transactions and get all departments to function effic iently. Expert manager who teaches staff how to structure deals creatively, solv e complex problems, and close difficult transactions. Employs strong legal knowl edge including federal, New York, and New Jersey law to help resolve difficult i ssues. Recognized authority on mortgage matters who has been quoted in media out lets like: The New York Times, WCBS Radio 880, and NY1 News. CORE COMPETENCIES Mortgage Loans * Originations * Credit Analysis * Legal & Regulatory Matters * C orporate Governance Refinancing * Fannie Mae * Personnel Management * Budget Planning * Training * A dministration Freddie Mac * Underwriting * Title Insurance * RESPA * TILA * ECOA * Gramm-Leach * Collateral Fair Credit Reporting Act * Asset-Based Lending * Liens * Loan Documentation * L oan Workouts New York State Banking Laws * New Jersey Banking Laws * SAFE Act * MDIA * Cooper ative Apartments PROFESSIONAL EXPERIENCE FCMC Mortgage, Clifton, NJ * Founder, President and General Counsel * 1995-Prese nt Mortgage company with $100-$200 million annual originations Manage all operations and financial systems of annual loan originations. Obtain mortgage loans for various clients in New York, New Jersey, Pennsylvania and Flo rida. Counsel clients on applicable mortgage products, qualification procedures, and credit issues. Handle all legal and regulatory matters. Oversee administrat ive staff, processors and compliance officer. Strong knowledge of Fannie Mae and Freddie Mac underwriting guidelines and requirements as well as those from a nu mber of large portfolio lenders. Unique expertise in title insurance, legal matt ers surrounding documentation, closing issues and complicated situations involvi ng cooperative apartments. Knows federal laws relating to the mortgage industry including RESPA, TILA, Fair Credit Reporting Act, ECOA, and Gramm-Leach. Profici ent understanding of state laws in New York and New Jersey. Notable Achievements: * Closed complicated refinance loan that was co-owned by a trust that saved bor rowers 40K per year. * Creatively closed a combined 2-unit condominium as a single unit by working w ith borrower's & sponsor's attorney, the title company, and the bank underwriter . Used language in contract that was acceptable to all parties. Saved borrower f rom higher interest rates & closing costs and was able to maximize his loan amou nts. * Closed unique set of loans by logically convincing bank that borrowers' retir ement accounts were actually more liquid than what the bank normally considered to be liquid assets. * Increased company's loans by spearheading a program that enabled outside acco untants to originate mortgage loans for their clients.

Blue Whale Real Estate Funds, Clifton, NJ, Managing Member, 2005-Present Real estate investment fund that analyzes purchases and manages mid-size apartme nt buildings. Founded and raised the funds for a small real estate investment fund to purchase residential housing in the North east. Completed a small condominium conversion in Jersey City and a home renovation in Westchester County, NY. Currently own a nd oversee the managing agent on 2 small apartment buildings in the Bronx. Famil iar with landlord and tenant issues as well as rent stabilization and New York C ity policies and procedures. Law Offices of Daniel M. Shlufman, Clifton, NJ * Sole Practitioner * 1999-Presen t Solo practice providing legal services concentrating in real estate transactions . Provide legal expertise to clients regarding buying, selling and leasing of home s, apartments and commercial properties. Prepare, review and negotiate: contract s of sale, lease agreements & related documents, loan documentation, corporate d ocuments and general business agreements. Career Note: Previous attorney positions from 1989-2000 include: Associate, Corp orate Associate and Real Estate Associate at Law Offices of Martin A. Shlufman, Hahn & Hessen, and Schulte Roth & Zabel. Heavy emphasis on Real Estate law inclu ding matters like rent stabilization and loan workouts and restructures. Additio nal experience in landlord-tenant practice and asset-based lending. Full details upon request. EDUCATION Jurist Doctor * 1989 New York University School of Law * New York, NY Annual Survey of American Law, Staff Member American Jurisprudence Award: Professional Responsibility and Regulation of Lawy ers Bachelor of Arts in Political Science * 1986 State University of New York at Binghamton * Binghamton, NY Phi Beta Kappa Pi Sigma Alpha - Political Science Honors Society Graduated with Outstanding Academic Performance PROFESSIONAL MORTGAGE PRESENTATIONS RESPA and NY Banking Law Changes Affecting Real Estate Closings presented to att orneys, accountants, and financial planners and is being broadcast by m as a 1.5 hour CLE seminar (2010) Contract Issues with respect to Mortgages in the Current Real Estate Market as p art of a panel discussion at the annual meeting of the Real Property Law Section of the New York State Bar Association (2009) The Attorney and the Mortgage Loan presented to new attorneys at the Practicing Law Institute in New York City (2005-2007) Residential Mortgages. Chaired the entire 7 hour CLE course on Residential Real Estate presented to 500 attorneys from New York City, Westchester, and Long Isla nd sponsored by the NYS Bar Association (2004) Basics of the Mortgage and Coop Loan Process presented to the Cooperative and Co ndominium Committee of the New York State Bar Association (2003)