Neil J. Rubenstein San Francisco, California

Shareholder

P (415) 227­3559

F (415) 227­3618

nrubenstein@buchalter.com

Neil J. Rubenstein is a Shareholder in the firm’s Bank and Finance and Real Estate Prac�ce Groups in the

San Francisco office. Mr. Rubenstein represents financial ins�tu�ons, private investors and loan

servicers in a wide variety of financing transac�ons, including the purchase and sale of loan por�olios,

securi�za�ons, nego�a�on and documenta�on of loan transac�ons, problem loan workouts, le�er of

credit ma�ers and bank opera�on issues. He also has substan�al bankruptcy, li�ga�on and appellate

experience in creditors' rights, bank opera�ons, and lender liability ma�ers.

Mr. Rubenstein is the 2013 recipient of the California Bankers Associa�on’s Robert Frandzel award for

superior and noteworthy legal assistance by an outside counsel to the California banking industry. He is

a member of CBA’s Legal Affairs Commi�ee and has wri�en and lectured extensively on issues of

interest to the financial services industry. He has also tes�fied on mul�ple occasions before California

legisla�ve commi�ees on bills affec�ng banks and other lenders. He was conference chair of CBA’s 2013

Bank Counsel Seminar.

Mr. Rubenstein is also a member of the Financial Ins�tu�ons Commi�ee of the Business Law Sec�on of

the State Bar of California and past chair of its Commercial Lending Subcommi�ee. He is AV Preeminent

rated by Mar�ndale Hubbell.

Mr. Rubenstein was president of the Board of Directors of the Alameda Food Bank from 2007­2012. He

currently serves as a member of the Board of Directors of the Altarena Playhouse, in Alameda,

California.

Recent Publica�ons and Presenta�ons

� Panelist, “California Legisla�ve and Law Update,” California Bankers Associa�on’s 36th Annual

Regulatory Compliance Conference, October 8, 2014, Carlsbad, CA

� “California Amends Uniform Commercial Code Ar�cle 9 Regarding Name of Individual Debtor on

Financing Statements,” CBA Regulatory Compliance Bulle�n, September 22, 2014, United Corporate Services, Inc., September 22, 2014; Buchalter Nemer Lender Alert, September 2014

� “California Legislature to Consider Amendments to UCC Article 9 Regarding Name of Individual

Debtor,” State Bar of California Business Law News, Issue 2, 2014

� “California Amends An�­Deficiency Law,” Buchalter Nemer Lender Alert, December 2013

� “Recent Developments in Commercial Lending,” CBA Annual Conven�on of Bank Officers and

Directors and Bank Counsel Seminar, Hun�ngton Beach, CA, May 2­4, 2013

� “California Homeowner’s Bill of Rights and Related Issues,” CBA Regulatory Compliance Conference,

October 2­5, 2012, San Diego, CA

� Co­Author, "California Enacts “Homeowner’s Bill of Rights,” a Foreclosure Reform 2.0 Legisla�ve

Package (2012)," Buchalter Nemer Client Alert, July 2012

� “California’s Revised Mechanics Lien Law: Changes in Rights and Obliga�ons of Construc�on

Lenders,” Buchalter Nemer Client Alert, July 2012

� “California Enacts A�orney General’s ‘Homeowner’s Bill of Rights,’” CBA Regulatory Compliance Bulle�n, July 16, 2012

www.buchalter.com

� “Recent Developments in Real Estate Secured Lending,” CBA Bank Counsel Seminar, Dana Point, CA,

May 3, 2012

� "California Legislature Fixes "Short Sale" Law,” Lender Alert, July 2011; California Mortgage Associa�on, Fall Edi�on

� “New Rules Governing Problem Commercial and Residen�al Real Estate Secured Loans: Strategies

for Coping,” CBA Bank Counsel Seminar, Hun�ngton Beach, CA, May 5­6, 2011

� “Real Estate Issues for Commercial Lenders: The Problem Construc�on Loan,” CBA Bank Counsel

Seminar, Dana Point, CA, April 29, 2010

� “Real Estate Issues for Commercial Lenders: The Problem Construc�on Loan,” Financial Ins�tu�ons

Commi�ee of the California State Bar’s Business Law Sec�on, Los Angeles, CA, November 6, 2008

� “Waiving Good­bye to the Status Quo: Are Contractual Jury Trial Waivers Gone for Good?” Points & Authori�es, Spring 2007

� “New Trends in Commercial Lending,” Points & Authori�es, Spring 2007

� “Buying Distressed Debt: Opportuni�es & Risks,” Lipper Hedgeworld, March 2006

� “UCC Financing Statements­What’s In A Name?” Business Law News, 2005

� “The First Anniversary of Revised UCC Ar�cle 9: Traps for the Unwary,” Business Law News, 2002

Mr. Rubenstein received his J.D. from the University of California Los Angeles School of Law, where he

was comment editor of the UCLA Law Review. He received his B.A. magna cum laude from the

University of California Los Angeles, where he was a member of Phi Beta Kappa.

Areas of Prac�ce Bank and Finance

Real Estate Finance

Real Estate

Hedge Funds

Workouts and Restructuring

Bar Admissions California

District of Columbia

Court Admissions U.S. District Court for the Central District of California

U.S. District Court for the Eastern District of California

U.S. District Court for the Northern District of California

U.S. District Court for the Southern District of California

U.S. Court of Appeals for the Ninth Circuit