FRANCIS J. SMITH, JR. Appellate Practice Commercial and Business Litigation Bankruptcy and Reorganization Law Construction and Surety Law McNamee, Lochner, Titus & Williams, P.C. P.O. Box 459 677 Broadway Albany, NY 12201-0459 (518) 447-3278 (518) 426-4260 (Fax) smith@mltw.com

Mr. Smith joined the firm in 1988 and has been a principal since 1994. Mr. Smith received a J.D. degree, cum laude, from the Albany Law School of Union University in 1980, and a B.A. degree, cum laude, from Siena College in 1977. Prior to joining the firm, Mr. Smith spent eight years with the New York State Supreme Court, Appellate Division, Third Department, the last six of which were spent as confidential law clerk to the Honorable A. Franklin Mahoney, Presiding Justice of that Court. Mr. Smith is a member of the Committee on Character and Fitness to Practice Law for the Third Department.