Charles L. Williams has served as a damage expert witness, consulting for financial institutions throughout the United States for numerous years. To qualify as a damage expert witness, Mr. Williams has served as a bank president for 10 years, and has over 23 years experience in the banking and savings and loan industries. He has expertise in the area of lender liability with emphasis on commercial, consumer loans, mortgage loans, and construction. As a damage expert witness, Mr. Williams has testified and given many depositions for investigations involving regulatory issues, credit analysis, fraud and forgery, and many lender liability cases. References from attorneys with whom he has worked as a damage expert witness are available upon request.