Joe L. Silver Director and Shareholder Silver & DeBoskey, P.C. The Smith Mansion 1801 York St Denver, CO 80206 Phone: (303) 399-3000 Fax: (303) 399-2650 Email: silverj@s-d.com

Joe L. Silver, Esq. is a Director, Shareholder and founding member of Silver & DeBoskey. A graduate of the University of Colorado (B.A., 1974) and University of Denver (J.D., 1977), Mr. Silver has been and remains involved in an active trial and transactional practice. He is the only member of the firm who divides his time between litigation and transactional matters. In the area of litigation, Mr. Silver is an accomplished courtroom advocate, having extensive experience in civil trials and appellate matters. As a transactional lawyer, he is routinely involved in matters most commonly arising in the lending and real estate industries. Mr. Silver is a former director of the Colorado Trial Lawyers Association, a permanent faculty member of the American Institute of Banking, and adjunct faculty at the University of Denver, College of Law (Trial Practice). He is highly reviewed by his peers, including a Colorado "Super Lawyer" for consecutive years.