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ROBERTS & KEHAGIARAS LLP ONE WORLD TRADE CENTER, SUITE 2350 LONG BEACH, CA 90831 PHONE: (310) 642-9800 FACSIMILE: (310) 868-2923 www.tradeandcargo.com

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Page 1: RK FIRM PROFILE 2015

ROBERTS & KEHAGIARAS LLP ONE WORLD TRADE CENTER, SUITE 2350

LONG BEACH, CA 90831

PHONE: (310) 642-9800

FACSIMILE: (310) 868-2923

www.tradeandcargo.com

Page 2: RK FIRM PROFILE 2015

TABLE OF CONTENTS

FIRM OVERVIEW ………………………………………………………… 3

FIRM VALUES …...……………………………..……………………….. 3

BACKGROUND OF PARTNERS ……………………………………………… 4

BACKGROUND OF COUNSEL ………..…………………………………….. 5

PARALEGALS AND STAFF ……………………………………………………….. 6

INSURANCE, SECURITY, AND TECHNOLOGY …………………………….. 6

C.V. OF CAMERON W. ROBERTS ………………………………………… 7

C.V. OF ANDREW D. KEHAGIARAS ……………………………………….. 9

C.V. OF THEODORE H. ADKINSON ………………………………………... 11

C.V. OF SEAN BREW ……………………………………….. 13

PROFESSIONAL INSURANCE DECLARATIONS PAGE ……………………. 14

W-9, TAXPAYER IDENTIFICATION NUMBER ……………………………… . 16

Page 3: RK FIRM PROFILE 2015

FIRM OVERVIEW

ROBERTS & KEHAGIARAS LLP (“R&K”) provides legal services to facilitate international business, trade, and transportation. Trade and cargo create issues for exporters, transportation companies, importers,

insurers, and government agencies. Services to address those issues include:

• Business entity creation, licensing, and best practices in trade and transportation;

• Customs law and compliance with administrative regulations, such as those of U.S. Customs

and Border Protection, Department of Transportation, Federal Maritime Commission, Food and Drug Administration, and many others;

• Insurance coverage determinations;

• Cargo claims in all transportation modes—air, ocean, motor truck, and rail; and

• Comprehensive risk management for logistics providers.

As transportation executives, litigators, consultants, and licensed customs brokers with more than one hundred years of combined experience in trade and transportation, R&K offers a comprehensive

approach to issue resolution.

FIRM VALUES

EDUCATION: Education is the bedrock of issue resolution. R&K is at the forefront of educating the

trade and transportation industry. Over the last twelve years, Cameron Roberts has twice been selected the students’ favorite instructor at California State University Long Beach, Center for

International Trade and Transportation, in 2000 and again in 2006, receiving the George Marshall Award. The students learn about the Carriage of Goods by Sea Act, the Montreal Convention, the Carmack Amendment, and Customs regulations, with an emphasis on discussing real-world cargo

claims and insurance issues. Andrew Kehagiaras has served on panels at industry seminars and has authored articles and academic papers on areas of interest within admiralty and transportation law.

TRAINING: R&K regularly publishes presentations on its website, provides industry training, and actively participates in trade and professional organizations.

PRO BONO: The firm supports the Harbor Transportation Club (“HTC”) and the Pacific Coast Council of Customs Brokers and Freight Forwarders Assns. Inc. The HTC provides a monthly forum for the

discussion of issues important to the transportation community. Cameron Roberts is a past president and presently serves as advisor and counsel to the HTC’s board of directors. The HTC has raised over

$150,000 in scholarship funds for students interested in logistics. EFFICIENCY: R&K uses the latest technology efficiently to reduce client costs. R&K leverages

technology to create an open-source platform that will increase attorney efficiency in communication, research, filing, and other administrative areas. By logging into secure and

confidential user accounts at www.tradeandcargo.com, clients can access critical documents and information on a twenty-four hour basis.

Page 4: RK FIRM PROFILE 2015

BACKGROUND OF PARTNERS

Cameron W. Roberts has more than twenty-three years of experience in trade and transportation. Mr. Roberts is a

former international trade executive. Mr. Roberts is a licensed customs broker with more than fifteen years of litigation experience representing customs brokers, non-vessel

operating common carriers, indirect air carrier and motor carriers. Mr. Roberts founded the predecessor law office to

R&K in 2006. Mr. Roberts has represented marine insurance companies and transportation companies in all types of cargo claims, including those under the Carmack

Amendment, Carriage of Goods by Sea Act and the Montreal Convention. Mr. Roberts advises companies on entity creation, licensing and best practices in trade and

transportation. Mr. Roberts has testified as an expert in actions concerning customs brokerage, maritime, air, and surface

transportation, and importing/export custom and practice. Mr. Roberts is licensed to practice in California and

Washington and before the Ninth Circuit Court of Appeals and all federal district courts in California, and the Court of

International Trade. [email protected]

Andrew D. Kehagiaras has fourteen years of legal experience

with a focus on admiralty, transportation, logistics and warehousing, insurance, and international business. Mr.

Kehagiaras is the co-founder of R&K, prior to which he practiced in Michigan and California. Mr. Kehagiaras has represented U.S. and foreign clients in state, federal, and

international litigation and arbitration, with an emphasis on the resolution of cargo-related issues, whether the mode of

transportation has been ocean, surface, or air. Mr. Kehagiaras advises clients in transactional and regulatory matters, with an emphasis on advising insurance and risk-

management interests in the areas of marine and inland marine, property and casualty, commercial general liability,

professional errors and omissions, and offshore captives on issues of drafting, review, interpretation, claims analysis, claims handling, allocation methodologies, risk management,

regulatory compliance, and dispute resolution. Mr. Kehagiaras is licensed to practice in California and

Michigan, and before the Ninth Circuit Court of Appeals and all federal district courts in California, , and the Court of

International Trade.

[email protected]

Page 5: RK FIRM PROFILE 2015

BACKGROUND – OF COUNSEL

Mr. Adkinson has been a practicing attorney for eighteen

years, with more than fourteen of those in the transportation

field. Mr. Adkinson has represented vessel owners, terminal

operators, trucking companies, shipping companies, and

warehouse operators in state and federal courts. Mr.

Adkinson's practice has encompassed a wide range of

maritime issues, covering cargo, environmental, and personal

injury claims. In addition, Mr. Adkinson has engaged in a wide

variety of business litigation, including product and premises

liability, intellectual property, and general contractual claims.

Mr. Adkinson is licensed to practice in all the state and federal

courts of California, and in the Ninth Circuit Court of Appeals.

[email protected]

Mr. Brew has more than twenty-five years of experience in the

field of civil litigation on both the federal and state level,

including trials, mediations, and arbitrations. He began

practice in the field of complex construction litigation.

Currently, his practice concentrates on employment disputes,

insurance, personal injury and business contract disputes. Mr.

Brew has also argued appeals before the California Courts of

Appeal for the State of California (2nd and 4th Districts), the

United States Court of Appeals for the Ninth Circuit, and

before the Federal Circuit in Washington, D.C. Mr. Brew has

successfully represented clients in appeals involving the

California Unfair Competition Law and the Federal Aviation

Administration Authorization Act.

Mr. Brew is licensed to practice in the federal and state courts

of California and in the Federal Circuit in Washington, D.C.

[email protected]

Page 6: RK FIRM PROFILE 2015

BACKGROUND OF PARALEGALS AND STAFF

Ms. Joanne Sattler is a legal secretary, paralegal and office administrator. Ms. Sattler has more than 25 years of litigation experience. Ms. Karen De La Cruz is a legal secretary and certified California

paralegal. Ms. De La Cruz has more than 10 years of litigation experience.

PROFESSIONAL LIABILITY INSURANCE, SECURITY, AND GREEN TECHNOLOGY

R&K has selected Zurich as its professional liability insurer. R&K provides its clients with superior data

security, calendaring programs, and remote off-site storage of electronic files. R&K is helping clients reduce paperwork and administrative costs. R&K offers a variety of reports to assist institutional clients in managing their claims.

Page 7: RK FIRM PROFILE 2015

CAMERON W. ROBERTS EDUCATION: SEATTLE UNIVERSITY SCHOOL OF LAW (ABA /AALS) Seattle, Washington Juris Doctor, Cum Laude, 1994 CALIFORNIA STATE UNIVERSITY AT LONG BEACH Long Beach, California Bachelor of Arts, Political Science & Int. Relations, 1988 UNIVERSITY OF BRADFORD Bradford, England International Scholarship Program, 1986 to 1987 BAR MEMBERSHIP: State Bars of California #176682 and Washington #25637 (1995); Court of International Trade, New York (2000); Federally Licensed United States Customs Broker (1988); IATA Dangerous Goods Certified (1997). PROFESSIONAL EXPERIENCE: ROBERTS & KEHAGIARAS LLP Los Angeles, California Partner, 2007 to Present Primary area of practice concerns U.S. Customs, Export Control, Domestic & International Transportation & Trade. Responsible for representation and business consultation to Marine Underwriters, Air, Motor & Ocean Freight Forwarders, Customs Brokers, OTIs & NVOCCs, Indirect Air Carriers, Intermodal Operators, Motor Carriers and Brokers, Marine & Transport Liability Insurance. Transportation related risk management and forms preparation for international trade. HARBOR TRANSPORTATION CLUB Long Beach, California General Counsel and Advisor to the Board of Directors, 2004 to Present Responsible for advising the Board of Directors and contract review. CALIFORNIA STATE UNIVERSITY, LONG BEACH Instructor, 1997 to Present Long Beach, California Responsible for instruction of the professional certification course, which consists of a variety of topics in motor carrier, freight forwarder, 3PL, IAC, OTI and NVOCC industry standards and practices. LAW OFFICES OF COUNTRYMAN & MCDANIEL Los Angeles, California Attorney, 1997 to 2006 Primary area of practice concerns U.S. Customs, Export Control, Domestic & International Transportation & Trade. FEDERATED TRANSPORT SYSTEMS, INC. Los Angeles, California Vice President, International Division, 1995 to 1997 Responsible for legal and operational aspects of the firm’s international and domestic transport business efforts.

Page 8: RK FIRM PROFILE 2015

CAMERON W. ROBERTS PROFESSIONAL / INDUSTRY PARTICIPATION & AWARDS: Port of Los Angeles – Long Beach Harbor Transportation Club President (2003-2005); Certificate of Recognition, California State Senate (2004); Outstanding Leadership Award, Port of Los Angeles – Long Beach Harbor Transportation Club (2004); Transportation Law Association; Foreign Trade Association; Los Angeles & Long Beach and LAX Air Cargo Association; National Customs Brokers and Freight Forwarders Association - Certified Customs Specialist (2005). PROFESSIONAL PRESENTATIONS: INCOTERMS 2010 (2011); NVOCC Exemption from the Rate Filing Regulations: What Does It Mean For Me? (2011); Owner Operator Contracts (2010-11); WESCCON, Industry Expert Panel (2005-2011); Mind the Gap, An Overview of Insurance Issues Confronted in Transportation (2010); Understanding the Clean Truck Litigation (2010); Corporate Claims Training (2008-11); Legal Liability Update for Carriers, Freight Forwarders, Brokers and Shippers (2008-09); Liability and Cargo Insurance Industry Training (2005-2008). ACADEMIC INSTRUCTION & AWARDS: California State University at Long Beach, Global Logistics Specialist (Professional Transportation Certificate Course), Long Beach, CA. (1998-Present); Awarded the Favorite Instructor of the Year (2000) and the George Marshall Instructor (2006). California Maritime Academy, San Francisco & Oakland, CA. (1999-2002). PUBLICATIONS: Negotiated Rate Arrangements for NVOCCs, Transportation Lawyer (2011); COGSA v. CARMACK - COGSA WINS! (2010); OTIs and Freight Charges, Demurrage, and General Order (2009); IATA’s Resolution 600b, The Quest (2008); Managing Uncertainty, Which Law Applies, The Quest (2006); Major Changes in Air Cargo Law, FIATA Review No. 34 September (2000); Major Changes for International Air Cargo Claims, CNS Focus Magazine (2000), Convention Reality, Air Cargo World, June (1998). EXPERT WITNESS: Deposed, qualified and examined as an expert witness at trial concerning air cargo and import practices, terms of sale, INCOTERMS, Yurtel Elelektronik Pazarlama vs. Telecel Latin America, 11th Judicial Cir. for Miami-Dade, Florida, Case No. 07-3645 CA 22 (2011); Deposed, qualified and examined as an expert witness at trial concerning ocean transportation and bills of lading, Kuma Furniture Co. Ltd. v. Finegood Holding, Inc., LA Superior Case No. KC 049804 (2008); Deposed, qualified and examined as an expert witness at trial concerning U.S. Customs brokerage and importing custom and practice (2007); Deposed, qualified and examined as an expert witness at trial concerning international trade, maritime law and U.S. Customs regulations, Soo Yong Yi aka Kevin Lee v. Amar Cheyene d.b.a California Fashion House, LA Superior Court Case No. BC303124 (2006); Deposed, qualified and examined as an expert witness at trial concerning international trade and maritime law, Lane Tone International Trade v. Chan Law Group, LA Superior Court Case No. BC309625 (2005); Deposed as an expert witness concerning motor carriage and brokerage. Expert witness reports in United States District Court cases involving motor carriers relating to freight charges and cargo theft (2005); Expert reports on U.S. Customs regulations, California, maritime and transportation law for the in Shanghai and Xiamen Maritime Courts of the People’s Republic of China (2002-6); the Paris Commercial Court, France, (2002).

Page 9: RK FIRM PROFILE 2015

ANDREW D. KEHAGIARAS

EDUCATION:

TULANE UNIVERSITY SCHOOL OF LAW New Orleans, LA

Master of Laws in Admiralty, 1998

WAYNE STATE UNIVERSITY LAW SCHOOL Detroit, MI

Juris Doctor, 1997

UNIVERSITY OF MICHIGAN—DEARBORN Dearborn, MI

Bachelor of Arts With Distinction, Economics, 1991

BAR MEMBERSHIPS:

• State Bar of California • State Bar of Michigan • United States Court of International Trade • United States Court of Appeals for the Ninth Circuit • All United States Districts Courts in the State of California • Pro hac vice admissions in numerous jurisdictions on an as-needed basis

PROFESSIONAL EXPERIENCE:

ROBERTS & KEHAGIARAS LLP Los Angeles, CA

Partner, July 2007 to present

• Litigation Practice: Handle all aspects of cases in trial and appellate courts in areas of international marine cargo loss and damage, with an emphasis on the defense of

NVOCCs and ocean freight forwarders, intermodal transportation and logistics, maritime

liens, carrier service agreements, general average, marine and inland marine insurance

law, property and casualty, agency agreements and disputes, charter parties, air cargo,

motor transportation and brokerage defense, warehousing and terminals, international

trade and customs, and general commercial disputes.

• Insurance Coverage: Advise insurance and risk-management interests in areas of marine and inland marine, property and casualty, commercial general liability, professional errors

and omissions, and offshore captives on issues of drafting, review, interpretation, claims

analysis, claims handling, allocation methodologies, risk management, regulatory

compliance, and dispute resolution.

• Transactional and Consultation Practice: Draft transportation contracts for carriers, forwarders, NVOCCs, brokers, 3PLs, warehouses, and others; various operations

documents, including bills of lading, waybills, warehouse receipts, etc.; general business

contracts, including confidentiality agreements and joint venture agreements; consult

companies on regulatory compliance, security, general business development, and

international growth.

• Alternative Dispute Resolution: private mediator.

Page 10: RK FIRM PROFILE 2015

ANDREW D. KEHAGIARAS

COUNTRYMAN & McDANIEL Los Angeles, CA

Associate, September 2002 to June 2007

• Litigated cases in trial and appellate courts in all areas of international transportation and trade, with emphasis on maritime, intermodal, logistics, and marine insurance.

• Directed international and out-of-state litigation through local counsel. • Drafted contracts and transportation documents; regulatory-compliance work.

SANDS, NARWITZ & LERNER Los Angeles, CA

Associate, September 2000 to September 2002

• Litigated cases in areas of maritime, trucking, insurance, warehousing, and aviation law.

PUBLICATIONS:

• COGSA v. Carmack: The Ninth Circuit Applies Carmack to Ocean Carriers

The Quest, March 2009, Issue 63

• IATA’s Resolution 600b

The Quest, April 2008, Issue 60

• NVOCC: Secret Agent?

University of San Francisco Maritime Law Journal, Vol. 17, No. 2, Spring 2005

• Kirby v. Norfolk Southern: The Salty Train Wreck

Benedict’s Maritime Bulletin, Vol. 2, No. 4, Fourth Quarter 2004

PROFESSIONAL PRESENTATIONS:

• 2014 Pacific Admiralty Seminar: Panelist, NVOCC perspective • Oct. 2013: Client Webinar: MAP-21 By the Numbers • Sep. 2013: Presentation, Los Angeles Air Cargo Association:

MAP-21: Are you ready to be in compliance by October 1?

• 2012 FIATA World Congress: Panelist, Pre-Congress Workshop Export Controls: An Overview of Compliance Issues and Red Flags

• Sept. 2012: Client Presentation: Best Practices for Insurance and Cargo Claims • Nov. 2011: Client Presentation: Damages in Cargo Claims by Mode of Transportation • Nov. 2009: Understanding the Clean Truck Litigation, Part II • Oct. 2009: The Rotterdam Rules By the Numbers – WESCCON Industry Expert Panel • Oct. 2009: AIMU Cargo Clause Comparison Project, Committee on All-Risk Clauses • Sep. 2009: Committee to Revise Local Admiralty Rules of the Central District of California • July 2009: Motor Transportation: Players and Coverages – San Francisco Marine Claims Association

• Feb. 2009: Trucking Litigation and D.O.T. Regulations in California, Lorman Education • Jan. 2009: Client Presentation: Loss or Damage During Interstate Motor Transportation • Dec. 2008: Trucking Litigation and D.O.T. Regulations in California, Lorman Education • Oct. 2008: Understanding the Clean Truck Litigation and FMC Investigation: A legal perspective

• May 2008 Client Presentation: IATA Resolution 600b—The Air Waybill and Indirect Air Carrier

• Feb. 2008: Trucking Litigation and D.O.T. Regulations in California, Lorman Education Servs.

Page 11: RK FIRM PROFILE 2015

ANDREW D. KEHAGIARAS

• 2007 Judge John R. Brown Admiralty Moot Court Competition: Judge, Briefing • 2006 American Trucking Assoc. Freight Claims & Loss Prevention Conference: Speaker • 2004 Pacific Admiralty Seminar: Panelist, NVOCC perspective

PROFESSIONAL MEMBERSHIPS:

• Maritime Law Association of the United States, Proctor in Admiralty Vice Chair, Committee on Marine Insurance and General Average: 2014–2015

Secretary, Committee on Marine Insurance and General Average: 2012–2014

Member, Committees on Carriage of Goods, Practice and Procedure

• The Association of Average Adjusters of the United States, Member • San Francisco Marine Claims Association, Member • Los Angeles Air Cargo Association, Member

PROFESSIONAL HONORS:

• AV Preeminent rating, Martindale-Hubbell

Page 12: RK FIRM PROFILE 2015

THEODORE H. ADKINSON

EDUCATION Pepperdine University School of Law Malibu, California Juris Doctorate, cum laude, 1993 Member of Pepperdine Law Review Internships: Gray’s Inn, London, 1991; California Court of Appeal, 1992 Colgate University Hamilton, New York Bachelor of Arts in Philosophy, Minor in English, 1990 BAR MEMBERSHIPS State Bar of California, All United States District Courts in the State of California, Ninth Circuit Court of Appeals PROFESSIONAL EXPERIENCE Of Counsel, Roberts & Kehagiaras, LLP Long Beach, California Litigation of all aspects of transportation litigation in federal and state courts, including discovery, law and motion, mediations and trial. Coppenrath Jones, LLP Long Beach, California Of Counsel, 2009-2011 Complete responsibility for litigation of trade secret, product liability, admiralty and general business actions in federal and state courts, including depositions, written discovery, expert discovery, law and motion, mediations, trial preparation and trial. Keesal, Young & Logan Long Beach, California Partner, 2007, Associate, 2000-2007 Complete responsibility for litigation of hundreds of actions including discovery, expert discovery, law and motion, mediations, trial preparation, appellate work and client relations. Supervision of junior associates, paralegal and staff support. Practice included admiralty, environmental, business, property damage, and personal injury claims in federal and state trial and appellate courts. Also conducted dozens of accident investigations. Published decision: Starrag v. Maersk, 486 F.3d 607 (2007). Baker & Hostetler Long Beach, California Associate, 1997-2000 Litigation of product liability, premises liability, maritime and general business litigation actions in state and federal trial and appellate courts, including developing case strategy, discovery, depositions, expert discovery, mediations, trials and appeals. Los Angeles County Court Long Beach, California Research Attorney, 1995-1997 Analyzed and summarized moving and opposing pleadings and provided the law and motion judge with proposed tentative decisions. Motions included entire spectrum, from discovery disputes and civil procedural issues to complex, dispositive matters.

Page 13: RK FIRM PROFILE 2015

THEODORE H. ADKINSON

Demler, Armstrong & Rowland, Long Beach, California Associate, 1994-1995 Litigation of large, multiparty construction defect and business litigation cases and personal injury actions, including written discovery, depositions, law and motion, mediations and trial preparation. PUBLICATIONS Fetal Protection Policies in the Workplace, Western State Consumer Law Journal (1992) CERTIFICATIONS, ORGANIZATIONS Orange County District Attorney Trial Attorney Partnership Program June-July 2011 (3 criminal jury trials); Pepperdine University School of Law Certificate in Dispute Resolution Program (2010); Maritime Law Association; Board Member of the Long Beach Maritime Association.

Page 14: RK FIRM PROFILE 2015

SEAN BREW

EDUCATION: UNIVERSITY OF SAN DIEGO San Diego, CA Juris Doctor, 1985-1988 UNIVERSITY OF COLORADO Boulder, CO Bachelor of Arts, Political Science, 1980- 1984 BAR MEMBERSHIP: State Bar of California #136733 PROFESSIONAL EXPERIENCE: ROBERTS & KEHAGIARAS LLP Los Angeles, CA Of Counsel, 2010 to Present Litigation of trade, transportation and insurance issues. LAW OFFICE OF SEAN BREW San Diego, CA Sole Practitioner April, 2003 to present Practice areas include construction claims and litigation, real estate disputes, personal injury, mass torts, collections, appeals, insurance disputes and coverage issues, and elder abuse.

THE CORONA FIRM, LLP Partner, May 1990 to April 2003 San Diego, CA Practice areas include complex construction disputes, government contract claims, business disputes, federal and state tort claims, real property and wrongful termination. Further experience includes significant appellate practice before Ninth Circuit, Federal Circuit, First District, Second District and Fourth District of California. Law firm management experience includes hiring, managing new associates and paralegals and conducting firm marketing. FISHER AND PRAGER, LLP Los Angeles, CA. Associate, Sept. 1988 to May, 1990 Civil litigation, including mediations, arbitrations, discovery and pleading. Practice areas included insurance defense and public entity tort defense.

Page 15: RK FIRM PROFILE 2015

ACORD DATE (MM/DD/YY)

CERTIFICATE OF LIABILITY INSURANCE NOV 24 14TM.

PRODUCER THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATIONATTORNEYS & PROFESSIONALS INSURANCE SERVICES, INC. ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE1960 E. GRAND AVE, SUITE 370 CA LIC 0D44447 HOLDER. THIS CERTIFICATE DOES NOT AMEND, EXTEND OREL SEGUNDO, CA 90245 ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW.

PHONE: 925 688 2396FAX: 925 688 2399 INSURERS AFFORDING COVERAGE NAIC #

Agency Lic#: 0D44447

AMERICAN GUARANTEE & LIABILITY INSURAINSURER A:INSURED

CAMERON W. ROBERTS INSURER B:ROBERTS & KEHAGIARAS LLP, ATTORNEYS & COUNSELORS

INSURER C:AT LAW

INSURER D:

ONE WORLD TRADE CENTER, SUITE 2350 INSURER E:LONG BEACH CA 90831-2350COVERAGES

THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED, NOTWITHSTANDINGANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED ORMAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCHPOLICIES. AGGREGATE LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS.

INSR POLICY EFFECTIVE POLICY EXPIRATIONTYPE OF INSURANCE POLICY NUMBER LIMITSLTR DATE (MM/DD/YY) DATE (MM/DD/YY)

GENERAL LIABILITY NOT INCLUDED $EACH OCCURRENCE

DAMAGE TO RENTEDCOMMERCIAL GENERAL LIABILITY $PREMISES (Ea occurence)

MED. EXP (Any One Person)CLAIMS MADE OCCUR $

PERSONAL & ADV INJURY $

GENERAL AGGREGATE $

GEN'L AGGREGATE LIMIT APPLIES PER: PRODUCTS-COMP/OP AGG. $

POLICY LOCPROJECT

AUTOMOBILE LIABILITY NOT INCLUDED COMBINED SINGLE LIMIT$(Ea accident)ANY AUTO

ALL OWNED AUTOS BODILY INJURY(Per person) $

SCHEDULED AUTOS

HIRED AUTOS BODILY INJURY $(Per accident)NON-OWNED AUTOS

$PROPERTY DAMAGE

GARAGE LIABILITY NOT INCLUDED $AUTO ONLY - EA ACCIDENT

ANY AUTO $EA ACCOTHER THANAUTO ONLY:

$AGG

NOT INCLUDED EACH OCCURRENCE $EXCESS / UMBERELLA LIABILITY

OCCUR CLAIMS MADE AGGREGATE $

$

$DEDUCTIBLE

RETENTION $ $

WC STATU-WORKERS COMPENSATION AND NOT INCLUDED OTHERTORY LIMITS

EMPLOYERS' LIABILITYE.L. EACH ACCIDENT $

ANY PROPRIETOR/PARTNER/EXECUTIVEOFFICER/MeMBER EXCLUDED? E.L. DISEASE-EA EMPLOYEE $If yes, describe under

E.L. DISEASE-POLICY LIMIT $SPECIAL PROVISIONS below

OTHER: PROFESSIONAL LIABILITY ( LPL 1179952-00 NOV 15 14 NOV 15 15 LIMITS: $1MM PER CLAIM; $3MMCLAIMS MADE FORM)A AGGREGATE

RETRO DATE: 11/15/2006

DESCRIPTION OF OPERATIONS/LOCATION/VEHICLES/EXCLUSIONS ADDED ENDORSEMENT/ SPECIAL PROVISIONS

CERTIFICATE IS FOR PROOF OF PROFESSIONAL LIABILITY COVERAGE. NOTHING IN THIS CERTIFICATE SHALL ALTER, AMEND OREXTEND COVERAGE PROVIDED BY THE ABOVE MENTIONED POLICY. ALL OTHER TERMS AND CONDITIONS OF THE REFERENCEDPOLICY REMAIN IN FULL FORCE AND EFFECT.///

CERTIFICATE HOLDER ADDITIONAL INSURED; INSURER LETTER: CANCELLATION

SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THECAMERON W. ROBERTSEXPIRATION DATE THEREOF, THE ISSUING COMPANY WILL ENDEAVOR TO MAIL 10

ROBERTS & KEHAGIARAS LLP, ATTORNEYS AND COUNSELORS AT DAYS WRITTEN NOTICE TO THE CERTIFICATE HOLDER NAMED TO THE LEFT, BUTL FAILURE TO DO SO SHALL IMPOSE NO OBLIGATION OR LIABILITY OF ANY KIND UPON THE

INSURER, IT'S AGENTS OR REPRESENTATIVES.AWONE WORLD TRADE CENTER, SUITE 2350

AUTHORIZED REPRESENTATIVELONG BEACH CA 90831-2350

Attention:

Michele Epstein AAI AIS ACSR CISR CPIWACORD 25 (2001/08) Certificate # 4834

Page 16: RK FIRM PROFILE 2015

IMPORTANT

If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. A statementon this certificate does not confer rights to the certificate holder in lieu of such endorsement(s).

If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies mayrequire an endorsement. A statement on this certificate does not confer rights to the certificateholder in lieu of such endorsement(s).

DISCLAIMER

The Certificate of Insurance on the reverse side of this form does not constitute a contract betweenthe issuing insurer(s), authorized representative or producer, and the certificate holder, nor does itaffirmatively or negatively amend, extend or alter the coverage afforded by the policies listed thereon.

ACORD 25-S (2001/08) Certificate #4834

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