Fulcrum Resources Environmental

Statement of Qualifications

517 S. Ivy Avenue, Monrovia, CA 91010 Phone 800.385.7105 |Fax 800.385.7126 Contact us TODAY for a QUOTE! [email protected] Follow us on Twitter @ FREnvironmental and Facebook for updates www.frenviro.com Fulcrum Resources Environmental Statement of Qualifications

Fulcrum Resources Environmental, operating under the parent name Fulcrum Resources, Inc., is a Minority and Women’s Business Enterprise and nationwide full service environmental and engineering consulting firm. At Fulcrum Resources, we understand the demands presented in today’s market, and value the client relationships and business objectives necessary to maintain the relationships through top quality and timely delivery of services. With our nationwide locations in US, our team of environmental professionals strives to provide our clients with trust-worthy and the most cost-efficient methods throughout the nation. A dedicated and experienced specialist will evaluate present environmental and engineering due-diligence needs for the specific property, make reasonable recommendations for improvements, and help owners to grow the business. Our goal is to provide a comfort level for all

With over twenty-five years of combined nationwide experiences, we have been able to fulfill the demands from varieties of clients such as individual property owners, government agencies, lending institutions, attorneys and real estate investment teams by offering comprehensive and professional environmental services in environmental and engineering due-diligence, assessments, remediation, structural engineering management, and green energy sustainability study.

Attached you will find:

• History of Fulcrum • Service Provided • Project Highlights • Client List • Nationwide Locations • Professional References • Key Personnel Resumes and Professional Licenses • General Liability Insurance

We thank you for the opportunity to review our Statement of Qualification!

Sincerely,

Don Kellar, M.S. P.G. Chief Executive Officer

Ling Cao, M.S. President

www.frenviro.com 517 S. Ivy Avenue, Monrovia, California 91010 T: 800.385.7105 | F: 800.385.7126 Fulcrum Resources Environmental Statement of Qualifications

Fulcrum’s Story:

The story begins with two owners (husband and wife) who met in graduate school pursuing different avenues in the environmental science industry. Ling Cao, who obtained her B.S. and M.S. in Biological Studies, and Don Kellar, who obtained his B.S. in Environmental Science, and M.S. in Geology with an emphasis in Hydrogeology, both began their professional careers in 2001 and 2001, respectively. Don’s initial experience began with conducting remediation and brownfield redevelopment for multiple oil companies, and large industrial facilities before performing real estate due-diligence transactions. Ling began her career conducting real estate transactions throughout the U.S. as well, which ultimately led to the partnership and birth of Fulcrum Resources, Inc.

In 2007, Ling and Don formed Fulcrum Resources, Inc. as a two-man operation and headquartered out of Los Angeles, California. To date, Fulcrum’s story has been one of much success. With their ambition and ethics, Fulcrum has grown to 50 employees with coverage throughout the United States, and has performed over thousands of transactions from all different types.

Don and Ling have also been recipients of many industry-recognized awards, and also have had multiple press releases written on their success. See below for a list of awards received:

• 2014-Fulcrum named Environmental Green Consulting Firm of the Year-United Stated Small Business Administration • 2014-Fulcrum named Environmental Consulting Firm of the Year-Acquisition International • 2015-Ling Cao nominated as Finalist for CEO of the Year-Los Angeles Business Journal • 2015-Don Kellar recognized in Cambridge’s Who’s Who as Business Leader in Industry • 2017-Don Kellar receives Courage in Leadership Prism Award from Environmental Data Resources

www.frenviro.com 517 S. Ivy Avenue, Monrovia, California 91010 T: 800.385.7105 | F: 800.385.7126

Fulcrum Resources Environmental Statement of Qualifications

Services Provided:

Our services are conducted to the most recent ASTM E1527‐13 and All Appropriate Inquiry (AAI) standard across the nation with a team of qualified professionals to work on environmental investigations. Environmental Consulting and Assessments Remediation Services

 Peer and Desktop Reviews  Aquifer Testing  Records Search with Risk Assessments (RSRA)  Groundwater Modeling  Transaction Screen Assessments (TSAs)  Soil and Groundwater Remediation (Design  Phase I Environmental Site Assessments and Implementation)  Portfolio Due‐Diligence Assessments  Brownfield Redevelopment  Baseline Environmental Assessments  Soil Vapor Extraction  Environmental Training Seminars  Dual Phase Extraction  Environmental Phase I Updates  Feasibility Studies  Federal, State, and Local Regulatory Database  Site Characterization Summary/File Review  Operation and Maintenance of Remedial  Environmental Compliance Testing Equipment  Groundwater Monitoring and Sampling Surface and Subsurface Assessments  Pilot and Feasibility Studies  Site Closure  Soil and Groundwater Investigations  Agency Correspondence and Consulting  Groundwater Sampling  Hazardous Waste Disposal  Water Quality Testing and Analysis  Isoconcentration Mapping Green Energy/Sustainable Consulting  Geophysical Exploration  Geoscience and Geotechnical Studies  LEED Certification  Well Installations  Energy Audits  Soil Vapor Surveys  Green Property Condition Assessment  UST/AST Oversight and Removal  AB 1103  Energy Modeling Engineering Due‐Diligence  Building Energy Storage Analysis  SBA 504 Green Loan Analysis  Physical Inspection Reports  Probable Maximum Loss Industrial Hygiene Services  Property Condition Assessments (PCAs)  Seismic Studies  Asbestos Consulting and Testing  Zoning Reports  Lead‐based Paint Consulting and Testing  ADA Compliance Surveys  Mold Testing  Methane Mitigation  Radon Testing  Master Property Condition Assessment

www.frenviro.com 517 S. Ivy Avenue, Monrovia, California 91010 T: 800.385.7105 | F: 800.385.7126

Fulcrum Resources Environmental Statement of Qualifications

Project Highlights:

Fulcrum has conducted thousands of projects throughout the U.S., Canada, and Mexico consisting of environmental due‐diligence, engineering due‐diligence, remediation, energy services, and industrial hygiene services.

Below are some highlights of projects accomplished under the direction of Fulcrum Resources (FR’s) staff.

Year: 2008 Service: Environmental & Engineering

Location: Michigan & Ohio (Statewide) FR completed a 12‐site hotel portfolio of sites throughout Michigan and Ohio for a CMBS client. Our services consisted of performing limited environmental assessments and property condition assessments within a tight deadline. FR staff was able to perform a dual scope within a 2‐week timeframe.

Year: 2007 Service: Environmental & Engineering

Location: San Francisco, California FR completed a 38‐site residential apartment portfolio of sites throughout San Francisco, California for CMBS client. Our services consisted of performing environmental screening and property condition assessments with seismic evaluations. FR staff was able to perform a dual scope within a 15 Business Day timeframe.

Year: 2015 Service: Assessment & Remediation

Location: Englewood, New Jersey FR completed a Phase I for an existing dental office, which was found to be a former gas station. Subsequently, FR performed a Phase II and found a 500‐gallon waste oil UST. FR then oversaw the removal of the waste oil UST, and a closure letter was granted under FR’s direction.

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Fulcrum Resources Environmental Statement of Qualifications

Year: 2015 Service: Assessment, Remediation, Brownfield Redevelopment

Location: Denver, Colorado A TSA was completed by FR for a vacant repair shop, which was found to have been a former gas station. FR conducted the initial Phase II Assessment was found tanks remaining in place, and also found groundwater to be impacted with MTBE and Benzene. FR worked with the states VCUP Program to grant 90% reimbursement to customer for remediation. FR got the site closure, and the site was later redeveloped into a hotel and parking garage.

Year: 2016 Service: Environmental

Location: Florida (Statewide) FR completed Phase I Environmental Site Assessments on 24 gas stations throughout the entire state of Florida. This was performed as a portfolio purchase through lending institution.

Year: 2016 Service: Environmental & Engineering Freddie Mac

Location: Texas (Statewide) FR completed a total of 7 ESA/PCA combo reports under the Freddie Mac SBL Program for a Freddie Mac Lender within a tight deadline.

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Fulcrum Resources Environmental Statement of Qualifications

Year: 2017 Service: Assessment and Remediation

Location: San Jose, California FR worked with Santa Clara County directly to conduct soil sampling under the pump dispensers, product lines, and 3, 10,000‐gallon USTs, and also manage the removal of the three USTs while the gas station was undergoing upgrades.

Year: 2017 Service: Engineering

Location: Los Angeles, California FR completed a total of 4 Probable Maximum Loss Reports for a client purchasing four different properties throughout greater Los Angeles. The four PMLs were performed due to their respective locations to fault zones, and amount of loan. One of the buildings also required retrofitting, which FR was able to assist in the cost estimate and design.

Year: 2017 Service: Environmental Assessment and Brownfield Redevelopment

Location: San Gabriel, California FR oversaw the closure and capping of a 3‐stage clarifier, and closure of a 500‐gallon waste oil UST. The site was previously used as a car wash and had known contamination. FR was able to provide clearance and the site was redeveloped into a kidney dialysis office.

Year: 2017 Service: SBA 504 Green Loan Assessment

Location: Signal Hill, California FR was able to show reduction of 10% of total energy consumption for an industrial building located in Signal Hill, California. Solar panel design was also provided to assist in the reduction of total energy consumption.

www.frenviro.com 517 S. Ivy Avenue, Monrovia, California 91010 T: 800.385.7105 | F: 800.385.7126

Fulcrum Resources Environmental Statement of Qualifications

Client List:

We have gained trust over years of providing professional services from these satisfied clients:

 American Business Bank  Keypoint Credit Union  AmPac TriState CDC  Lee & Associates  Bank of America Merrill Lynch  Marcus and Millichap  Bank of China  Meadows Bank  BFC Funding  National Bank of Arizona  Boston Private Bank and Trust  Nevada Commerce Bank  California Statewide  Oxford Bank  Camelback Community Bank  Pacific Enterprise Bank  Cathay Bank  Pheffer Law Corporation  CB Richard Ellis  Plaza Bank  CDC Small Business Finance  Port of Long Beach  Century 21  Port of Oakland  CIT Bank  REMAX Commercial  City of San Gabriel  REsource Capital  City National Bank  Sabal Financial  Citizens Bank  San Fernando Valley Financial  CLMG Corporation Development Corporation  Coldwell Banker  Sapphos Environmental  Colliers International  SB Capital  Compass Bank  Seneca Resources  Del Mar Commercial  Spectrum Commercial Lending  Daum Commercial Real Estate  State Bank of India  Department of Toxic Substance Control  State (California) Water Quality Control  East West Bank Board  Eisner Jaffe Law Corporation  Surf City Bank  Fannie Mae  The Barry Slatt Mortgage Company  First Citizens Bank  The Hale Corporation  First Private Bank and Trust  TMC Finance  First Mountain Bank  United Central Bank  First Republic Bank  Union Bank  Freddie Mac  US Bank  Grubb & Ellis  Valley Capital Bank  Horizon West  Wells Fargo  JP Morgan Chase  Zions Bank

www.frenviro.com 517 S. Ivy Avenue, Monrovia, California 91010 T: 800.385.7105 | F: 800.385.7126

Fulcrum Resources Environmental Statement of Qualifications

Nationwide Locations:

Los Angeles-Monrovia (Headquarters) Atlanta Dallas San Francisco Denver Sacramento Detroit New Jersey Chicago San Diego St. Louis Seattle Houston Phoenix Baltimore Orlando Philadelphia Honolulu

In conclusion, Fulcrum Resources Environmental is pleased with the opportunity to do business with one another and present our Statement of Qualifications. It is our obligation and goal to form a solid working relationship with one another, and provide you with any and all professional services requested. All projects are considered the same magnitude of importance, thus we understand the importance of meeting deadlines and fulfilling our clients’ needs.

As our motto says, “Leveraging ethics and character with stellar business”, our core revolves around maintaining proper and hard work ethics combined with strong leadership and character to provide our clients with guidance and a polished product. Our environmental professionals are available anytime if you have questions or concerns regarding inquiries or projects.

Sincerely,

Fulcrum Resources Environmental

www.frenviro.net 517 S. Ivy Avenue, Monrovia, California 91010 T: 800.385.7105 | F: 800.385.7126

Fulcrum Resources Environmental Statement of Qualifications

Professional References:

We have provided professional customer services to a wide range of real estate financial industries. A list of some of the clients is provided below for reference:

Client Contact Email Phone Bank of America Ray Vasquez [email protected] (213) 709‐4089 Merrill Lynch JP Morgan Chase Bank‐Environmental Tom Palmer [email protected] (214) 965‐4208 Risk Management Union Bank Jason Allen [email protected] (805) 760‐1344

Winefield & Associates Matt Winefield [email protected] (562) 618‐0037

Lee & Associates Tony Naples tnaples@lee‐associates.com (323) 767‐2117

Business Finance Jacky Kim [email protected] (310) 502‐5502 Capital

Bay Area Development Rodney Kojima [email protected] (626) 926‐5634

Pacific Premier Bank Jon Hagen [email protected] (949) 864‐8000 City National Bank‐ Environmental Risk Martin Faulk [email protected] (310) 415‐8859 Management CBRE Adam Dosskey [email protected] (650) 241‐9740

Department of Toxic Christine Bucklin [email protected] (714) 484‐5393 Substance Control Stephen Olear [email protected] (818) 552‐3307 U.S. SBA Eric Adams [email protected] (415) 744‐8440 CIT Bank‐ (816) 285‐6051 Environmental Risk Martha Walters [email protected]

Management

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Fulcrum Resources Environmental Statement of Qualifications

Key Personnel Resumes and Professional Licenses

www.frenviro.com 517 S. Ivy Avenue, Monrovia, California 91010 T: 800.385.7105 | F: 800.385.7126

Don Kellar, M.S., REP, PG National Client Manager/Hydrogeologist Los Angeles Office [email protected] (310) 876 4128

Don Kellar is National Client Manager Manager and small and large shopping plazas; and developed or Hydrogeologist within Fulcrum Resources Environmental partially developed residential communities.

Don specializes in helping clients with the following: Experienced as a client and project manager for over 30 Shell Oil Sites with duties ranging from surface and subsurface investigations; pilot studies; assistance with • Transaction Screen Assessment onsite engineer for Phase III remediation; and agency • Phase I and II environmental site assessment correspondence. Under the mentorship of numerous PGs, • Site investigation and assessment CHGs, and PEs, Mr. Kellar has become very experienced • Technical site review in the troubleshooting remediation options for prospective • RFI sample program management clients. • Alternative Energy • Asbestos inspections associated with demolition, Health and Safety restoration and renovation

• Remediation and Monitoring Tactics • As former Health and Safety Officer for Geologic • Health and Safety- Environmental Construction/drilling Services Corporation’s West Coast Office, Mr. Kellar • CEQA/NEPA gained experience in identification, handling, disposal of • Agency Oversight Assistance different hazardous wastes, and the development of emergency response plans for gas stations and industrial Key Experience/Key Projects - sites.

World Oil Groundwater Monitoring and Sampling Education

• Performed field work, project management, budgeting, Bachelors of Science in Physical Geography, University of client management, and completion of report for over 200 Michigan, 2002 Minor Music sites nationwide. Mr. Kellar managed a total of 18 sites Scholar Award 2001 under World Oil Corporation, and an additional 10 sites under Exxon/Mobil. Mr. Kellar also had the privilege of Masters of Science in Hydrogeology, California State conducting this work nationwide throughout California, University Los Angeles, 2005 Arizona, Colorado, Maine, Rhode Island, Connecticut, New York, Massachusetts, Nevada, and Michigan. Professional Papers

Phase I and II Environmental Site Assessments Identification of Water Sources during Wet and Dry Months within Medea Creek Through Ion and Isotope Analysis. • Performed over 2,000 environmental site assessments Research Paper for California State University-Los Angeles, nationwide since 2001 that include but not limited to gas October 2009 stations, dry cleaners, heavy manufacturing sites, multi- tract residential apartments and housing. Mr. Kellar also Certifications has extensive involvement with Non-CERCLA sampling per specific client protocol that include asbestos sampling, • California Registered Environmental Assessor #30026 lead-based paint sampling, radon testing, and lead in water • 40-hour OSHA HAZWOPER with Refresher sampling. • United States Green Building Council Member-Los Angeles Mr. Kellar managed Bank of America’s REO portfolio • National Registry of Environmental Professionals between 2008 and 2010 throughout the western United #624658052 States. These assessments included a former landfill • California Licensed Professional Geologist-#9192 turned golf course, a former silver mine, numerous • Florida Licensed Professional Geologist-#2858 farming and agricultural parcels, brownfield Languages-English, Moderate Speaker of Spanish and redevelopments; recycling facilities; medical facilities; Chinese

Ling (Caroline) Cao, M.S. Principal Consultant/West Coast Operation’s Manager Los Angeles Office [email protected] (626) 429 1480

Ms. Cao is the Principal Consultant and West Coast Business Development/Customer Service Operation’s Manager within Fulcrum Resources Environmental • Ms. Cao has earned a stellar reputation with providing numerous clients with the excellent customer service on Ms. Cao specializes in helping clients with the following: over 1,000 nationwide transactions. Ms. Cao’s technical experience combined with customer service has played a • Transaction Screen Assessment vital role in the growth to date of Fulcrum Resources • Phase I and II environmental site assessment Environmental. • Site investigation and assessment Ms. Cao is majority owner of Fulcrum Resource • Technical site review Environmental and is currently heading the company towards • Biology and Ecology Government 8A status. • Property Condition Assessments • Asbestos and Lead-based Paint inspections associated Education with demolition, restoration and renovation • Lead-in-water and Radon Testing Bachelors of Science in Biology, California State University • Consulting with Chinese Community Los Angeles, 2004 • Health and Safety- Environmental Construction/drilling Deans List 2004 and 2005 • CEQA/NEPA Master of Science in Biology, California State University Los Key Experience/Key Projects - Angeles, 2011

Palos Verde and El Sobrante Landfills Certification Corona Granite and Silicone Quarry • Registered Environmental Property Assessor • Performed field work, project management, budgeting, #937750 client management, and completion of Phase I Reports. • 40-hour OSHA HAZWOPER Training Certificate Ms. Cao was able to identify multiple environmental • Certified Mold Specialist Certification #12-7-548 by issues and provide client with direction and assistance American Mold Institute with respective agencies. • Lead Certified Renovator Certificate #R-I-18351-12-

02642 by National Center for Healthy Housing Phase I and II Environmental Site Assessments • Certified Asbestos Abatement Contractor Supervisor

• • Performed over 1,000 environmental site assessments Certified Asbestos Building Inspector nationwide since 2003 that include but not limited to • Certified Asbestos Management Planner former Talley Corporation in Thousand Oaks, SCGA Golf • Certified Asbestos Abatement Project Designer Course in Murrieta, the 536-acre Dos Lagos master- planned and mix-used development in Corona, and silica Languages mines. Ms. Cao also performed due diligence on various • gas stations, dry cleaners, chemical plants, heavy English and Chinese manufacturing sites, multi-tract residential apartments and

housing. Ms. Cao also has extensive involvement with Non-CERCLA sampling per specific client protocol that include asbestos sampling, lead-based paint sampling, radon testing, and lead in water sampling.

Mr. Cao has extensive experience with portfolio HUD projects under Fannie Mae and Freddie Mac Guidelines.

John Winkler, PG Senior Geologist/Regional Manager Thousand Oaks, California Office Los Angeles, Ventura, Kern, Santa Barbara, and San Luis Obispo Counties [email protected] (805) 338 8008

Mr. John Winkler is a Senior Geologist within Fulcrum Resources Environmental Commercial Property, Pomona, CA John specializes in helping clients with the following: • Mr. Winkler provided environmental consulting for a property

that was placed in receivership, partly to provide time to assess • Phase I and II environmental site assessment the environmental risks. A Phase I ESA was conducted and • Site remediation research indicated the site was developed in 1961, and USTs • Technical site review were installed on the property and subsequently removed, but • Well installation – Monitoring/extraction/production/injection closure was not documented. Additionally, data gaps on past • Groundwater monitoring and compliance activities site use existed. Site assessments indicated no significant • Health and Safety impact from the fuel USTs; however, elevated concentrations of • Environmental Construction/drilling – Direct push/hollow-stem PCE in soil were detected. A nearby property had a catastrophic auger/mud rotary/air rotary/reverse circulation/CPT train derailment that released PCE to the subsurface and the • Hazardous Materials Management elevated levels on the subject property were determined to have • Waste profiling/treatment/disposal an off-site source. The UST case was successfully closed with the oversight agency. Key Experience/Key Projects - Fields of Competence Restaurant Property, Malibu, CA • Environmental site assessments • Environmental remediation • Mr. Winkler provided environmental consulting for the seller of • Hazardous Materials Management a property that was developed as a restaurant, but historically was occupied by a gasoline service station. The gas station was Education closed in the 1960’s, prior to purchase by the property owner, • Bachelors of Science in Geology, University of New York and USTs were discovered and removed in 2004. Site at Cortland assessments indicated petroleum hydrocarbon impact to soil • and groundwater. Furthermore, seepage pits for wastewater Certificate in Hazardous Materials Management, University of complicated contaminant transport in the subsurface. Mr. California, Santa Barbara Winkler assisted the property owner to identify the former UST owner/operator, who then agreed to assume Responsible Party Certification status. Subsequently the property owner was able to complete • California Professional Geologist No. 7456 the sale of the property. • 40-hour OSHA HAZWOPER • California Certified Volunteer Fire Fighter, 1998 Commercial Retail Center, Montebello, CA • Hazardous Materials First Responder Operational CCR Section

8574.20, 1998 • Mr. Winkler provided environmental consulting for a property • Los Angeles Refinery Safety Training owner seeking a refinance loan of a 7.56-acre multi-tenant retail • First Aid and CPR for the Professional Rescuer shopping center. A Phase I ESA was conducted and an existing

dry cleaner unit was determined to have operated for over 25 years, indicating a risk of a release of dry cleaning solvent. A Languages Phase II assessment was conducted at areas of Haz Mat use. • English, native speaker Results indicated low levels of PCE in soil and soil vapor below the unit, with no threat to groundwater, but a risk for vapor Key Industry Sectors intrusion. To mitigate the risk, Mr. Winkler managed the • Commercial real estate transactions following: 1) improvement of secondary containment; 2) • Aerospace improvement of engineered air flow; and, 3) installation of a • Retail Petroleum vapor barrier. Based on the mitigation of the risk of vapor • Local Government Agencies intrusion, the lender approved the loan. • Oil and Gas Industry .

Bryan Miles, P.G. Regional Client Manager, Professional Geologist San Diego & Orange County [email protected] 425.270.9914

Bryan Miles has been managing environmental site assessment commingled free product and petroleum hydrocarbon and remediation projects in California since 2001. He has been groundwater plume encompassing two city blocks in the a licenced Professional Geologist (CA 8739) since 2010. Harbor District to San Diego

Bryan specializes in environmental site assessment and • Guided oversight and technical support for In-situ remediation including the following specialties: bioremediation injection using Hydrogen Release Compound (HRC) and Oxygen Release Compound (ORC). at the BNSF Railroad Trigo Facility in Trigo, California • Phase I and II environmental site assessment • Contaminated site closure strategy (NFA) • Managed hydrogeologic and soil assessment related to • Vapor intrusion modeling leaking heating oil UST in downtown Seattle. Assessment • Vapor intrusion mitigation included, soil sampling, indoor air sampling, well • Indoor air quality assessment and monitoring installation and LNAPL assessment. Project involved • Groundwater modeling coordination with Ecology and neighboring stakeholders • Contamination fate and transport modeling regarding off-site dissolved-phase and LNAPL plume • Site Conceptual Modeling migration. • Soil, soil vapor and groundwater sampling • UST Removal • First responder involved with assessment and remediation • Soil Vapor Extraction for two major gasoline tanker spill (>2000 gallons) on • Chemical contamination analysis Interstate 90 in Cle Elum Washington; spills occurred at • In-situ Chemical Remediation separate times within 2015. • Remediation Action Plan preparation and implementation • Geologic assessment and interpretation • Managed vapor intrusion source, assessment and • Regulatory guidance, interaction and management mitigation including Johnson & Ettinger Vapor Intrusion Model for numerous site sites throughout California. • Health and Safety - Environmental Remediation/Construction/drilling Education

Key Experience/Key Projects: B.S. Geological Sciences, University of California Santa

Barbara, 2002 Phase I and II Environmental Site Assessments Certification • Completed numerous environmental site assessments nationwide since 2001, including but not limited to retail • California Licensed Professional Geologist (P.G.) #8739 gas stations, dry cleaners, metal plating facilities, railroad; • Washington Licenced Geologist (L.G.) #3090 and industrial, commercial and residential transactions. • 40-hour OSHA HAZWOPER Training • Adult and Pediatric First Aid/CPR/AED • Vapor Intrusion, groundwater, and site conceptual modelling; as well as contaminant fate and transport. Languages

• UST removal; soil, soil vapor and groundwater monitoring • English and sampling, monitoring well design and install. • Spanish

Site Assessment and Remedial Project Highlights Personal Interests

• Successfully guided contaminated properties towards no I have a passion for music, surfing and trail running. I have further action (NFA) for numerous clientele including completed three ultra-marathons, three marathons, a 3-day lenders, property owners, insurance agencies and brokers. stage race through the Colorado Rockies and numerous half marathons and shorter distances. I am a musician and singer- • Managed site investigation and remediation activities; songwriter. I recorded an album and play at local restaurants including design and installation of two dual-phase and coffee shops. My greatest satisfaction comes from extraction systems, for multiple responsible parties for a spending time with my family. Hao Zhang, M.S., PE, QSD Regional Project Manager/Engineer San Francisco Office [email protected] (626) 840-7843

Hao Zhang is a Regional Project Manager and Engineer • Prepared Corrective Action Plans (CAPs)/Remediation within Fulcrum Resources Environmental. Action Plans (RAPs), pilot test and treatability study work plans, Soil Management Plans (SMPs), remediation status Hao specializes in helping clients with the following: reports, and groundwater monitoring reports to meet environmental permitting requirements;

• Transaction Screen Assessment • Performed soil excavation, Soil Vapor Extraction (SVE), • Phase I and II environmental site assessment in-situ chemical injections, and soil flushing remediation • Site investigation and assessment strategies to achieve site clean-up goals and No Further • Technical site review Action letter for multiple contaminated sites. • RFI sample program management • Hazardous Waste Tank System CUPA PE Certification • Performed vapor intrusion investigation and vapor • Remediation and Monitoring Tactics mitigation system installation in construction of new • Soil Vapor Extraction buildings. • In-situ Chemical Remediation • Remediation Action Plans Implementation Health and Safety • Vapor Intrusion Mitigation • Contaminated Site Closure As former Health and Safety Officer for Tetra Tech’s • Oil Well Abandonment Southern California Office, Ms. Zhang gained experience in • Soil Management Plan Implementation identification, handling, and disposal of different hazardous • Health and Safety - Environmental wastes, and the development of emergency response plans for Remediation/Construction/drilling brownfield redevelopment and remediation sites.

Key Experience/Key Projects: Education

Bachelors of Science in Environmental Science, Nankai Phase I and II Environmental Site Assessments University, China 2007-2011

• Performed over 200 environmental site assessments Master of Science in Environmental Science and Engineering, nationwide since 2014, including but not limited to gas California Institute of Technology, U.S. 2011-2013 stations, dry cleaners, heavy manufacturing sites, and multi-tract residential apartments and housing. Certification • Performed soil, soil vapor, and groundwater sampling and • investigations. California Licensed Professional Engineer (PE) #C85825

• California Qualified SWPPP Developer (QSD) • Supervised and conducted well installations, trenching, • 40-hour OSHA HAZWOPER Training well gauging, groundwater monitoring, and MIP • 30-hour OSHA Construction Training investigations. • 8-hour OSHA HAZWOPER Supervisor Training • Adult and Pediatric First Aid/CPR/AED Site Characterization and Remedial Activities Languages

• Performed site investigation and remediation activities to • English address chlorinated solvents (PCE, TCE), petroleum • hydrocarbons, benzene, ethylbenzene, MTBE, and Mandarin Chinese chromium contamination in soil and groundwater; Professional Publication & Presentations

Unique Injection Well Design and Implementation for ISCO at an Active Shopping Center. 26th Annual International Conference on Soil, Water, Energy, and Air, Association for Environmental Health and Sciences Foundation (AEHS). 2016, March 23. Greg L. Gavasse, MSSE, P.E. Senior Engineer Los Angeles Office [email protected] (805) 202 1362

Greg Gavasee is Senior Engineer within Fulcrum Resources  Mr. Gavasee has conducted over 3,500 Property Condition Environmental Assessments and contains a wealth of knowledge within structural design and engineering. Design experience Greg specializes in helping clients with the following: includes concrete tilt-up structures; wood, steel, and concrete frame structures; pier foundation for steel erector  Building Engineering Reports (over 3,500 Property crane; pier foundations for monopole and lattice tower Condition Assessments) antennas; bridge load rating and retrofitting; fatigue and  Seismic Evaluations (PMLs, SELs, and SULs) fracture critical analysis of steel bridges, and concrete and  Technical site review GFRC panels.  HUD, ASTM, FNMA, FREDDIE MAC, and GMAC Fields of Competence  Building Design Consulting

 Drainage, pavement, life safety, electrical, plumbing,  Structural Engineering and Design mechanical, and structural analysis  Structural Assessments  Government Agency Contracting  Technical Review  Consulting Key Experience/Key Projects - Education

High Rise Building-777 Tower, Los Angeles, CA Bachelors of Arts in Business, University of California at

Santa Barbara, Santa Barbara California  Conducted a building engineering report that included a

review of “as-built” plans, construction and maintenance Masters of Science in Structural Engineering, San Jose State documents; analysis of the electrical, plumbing, University, Los Angeles mechanical, conveyance, structural and life safety

systems; review of the building interior and exterior components, and a complete review of the facilities Certification compliance with the Americans with Disabilities Act (ADA). A seismic assessment (SEL/SUL) was also  California Professional Engineer, CA License No. 61447 performed.  General Engineering Contractor, California “A” License No. 560011 Los Angeles MTA Rapid Bus Project, Los Angeles, CA  General Building Contractor, California “B” License No. 560011  Mr. Gavasee was the project director in charge of  Structural Pest Control Board-Field Representative, consultant procurement/management, design development California License No. 44465 and final design, construction management, project scheduling using CPM, project compliance with federal, state, and local regulations, permitting, and construction Languages monitoring. This public works project involved the installation of 62 Rapid Bus Shelters, which included  English, native speaker street lighting, kiosks, changeable message signs, and hardscape. This state of the art bus shelter system Key Industry Sectors communicates with busses via modern communication and updates passengers on bus arrival times. This project  HUD, ASTM, FNMA, FREDDIE MAC, and GMAC was completed in 21 days ahead of schedule and $630,000  Construction management of the set $4.6 million dollar budget.  Architectural Design

Structural Engineering, Southern California Previous representative employers –

 Cal-Quake Engineering, Inc

James Coppernoll, PG Senior Geologist, Northwest Regional Manager Seattle Office [email protected] (425) 350 7645

James Coppernoll is Senior Geologist and Regional Client reconstruction. Duties included review of site’s history, Manager within Fulcrum Resources Environmental regulatory documentation and files, geophysical surveying, cooperative planning with city, and UST James specializes in helping clients with the following: assessment, and closure with the state.

• Phase I and II environmental site assessment Oil Field Assessment, Prudhoe Bay, Alaska

• Site investigation and assessment • Mr. Coppernoll assessed four active Prudhoe Bay, Alaska • Technical site review oil field service facilities followed by remediation of two • Lead and/or Arsenic in soil/surveys of them. Duties included responsibility for assessment, • Well installation – Monitoring/extraction/production/injection remedial investigation, planning and implementation, as well as acting as a liaison between regulatory agencies and • Groundwater monitoring and compliance activities client. Treatment was performed using thermal desorption • Health and Safety in one case and Hot Air Vapor Extraction in the other. • Environmental Construction/drilling – Direct push/hollow-stem auger/mud rotary/air rotary/reverse circulation/CPT/ Fields of Competence

• Waste profiling/treatment/disposal • Health and Safety Oversight/Review • Remediation • Environmental site assessments • Environmental remediation Key Experience/Key Projects - • Oil Fields

Education Multiple Phase I and II Environmental Site Assessments

Bachelors of Science in Geology, Southern Oregon State • Mr. Coppernoll as conducted well over 2,000 Phase I and College, 1991 Phase II environmental Site Assessments throughout the

states of Washington, Oregon, Idaho, Montana, and Alaska. James is an expert in assessing contaminated sites Certification and remedial planning. • Washington Licensed Professional Geologist Bulk Fuel Facilities and Major Oil Companies • 40-hour OSHA HAZWOPER

• Mr. Coppernoll managed all phases of assessment and remediation at dozens of retail and bulk fuel facilities for Languages major oil companies throughout the North-western U.S. These activities included excavation, disposal of • English, native speaker contaminated soil, free product recovery, feasibility studies, and design and installation of in-situ soil and Key Industry Sectors groundwater remediation. Mr. Coppernoll also overall the initial assessment until closure was received with • Commercial real estate transactions agencies. • Aerospace • Construction management Landfills, Hot Springs, and Residential Developments- • Oilfield Services Northwest U.S. • Landfills

• Mr. Coppernoll acted as an Previous representative employers – environmental/hydrogeological consultant for assessment and closure of several fuel UST’s along a small • Geoconsulting, Inc. Washington City’s downtown street undergoing

Jyh-Yih (Jerry) Ren, PhD, P.E. Project Manager, Principal Consultant Anaheim Office [email protected] (626) 780-8960

Jerry Ren is Project Manager and Project Engineer Blue Ridge Landfill (Fresno, TX)

• Served as Project engineer for the engineering and Jerry specializes in helping clients with the following: construction of a $6M landfill gas (LFG) energy recovery system with 34-mile gas pipeline. The system designed for • Combustible soil gas control an initial capacity of 5,000 SCFM and a maximum • Residential area gas barrier design capacity of 9,000 SCFM LFG. The compressor plant • Oil field soil vapor control includes a screw gas compressor, gas dehydration in a • Landfill gas collection system design custom designed heat exchanger skid, redundant outlet gas • Landfill gas to energy scrubbers, and gas analyzers to measure gas quality before • Blower and flare station injection into the pipeline. • Gas recovery and treatment system design Enoree Landfill (Greer, SC) Key Experience/Key Projects - • Served as Project engineer for the engineering of a $500K Norco Corona School District (Corona, CA) siloxane removal skid assembly for a LFG energy recovery project. The skid assembly treated 1,200 SCFM • Served as Project engineer for the methane protection LFG prior to burning in two Caterpillar 3520 engines. The system design of Rosa Parks Elementary School. The process dehydrated the gas with a chilled water system system design included trench plan, membrane plan, and and remove siloxane in several beds. vent risers details. California Energy Commission (Los Angeles, CA)

Methane Mitigation Projects (Los Angeles, CA) • Served as Co-Principal Investigator for a CEC funded

project ($95K) to develop an economical and robust • Responsibility included soil gas test and methane barrier process to remove siloxanes from biogas by evaluating the design for several clients where methane gas mitigation technical feasibility of a novel photodecomposition for building structures was required by local building technology within the context of biogas treatment. codes. Responsibility included: proposal preparation, system design, conducting experiments, budget Brea Olinda Master Community Association preparation/management and final report preparation.

• Responsibility included field supervising of monitoring of Education tar seeps and methane mitigation systems as well as directing of non-routine and emergency response services PhD, Mechanical Engineering, University of Southern as required in accordance with the requirements of the California Orange County Fire Authority and the City of Brea. The project experience included soil remediation system Certification design. • Professional Civil Engineer in California (#C78232) University of Irvine (Irvine, CA) • Professional Mechanical Engineer in California (#M34081) • Responsibility included assisting in the preparation of a • Hazwoper 40 Hr and Refresher Remedial Action Plan (RAP) and feasibility study for soil and groundwater remediation using dual phase vapor Languages

extraction technology at a fleet services facility. The • project experience included assisting in the design of a English and Chinese

remediation system for soil and groundwater cleanup to

bring the site to closure. Remediation of soil and groundwater was completed and verified by post-closure monitoring of groundwater. Christina Vickers, M.S. Regional Director/Environmental Professional Phoenix Office [email protected] (313) 303-2316

Christina Vickers is a Regional Director and Environmental Car Dealership; Yuma, AZ. Professional within Fulcrum Resources Environmental.  Ms. Vickers performed a Phase I Environmental Site Ms. Vickers specializes in helping clients with the following: Assessment of a forty-year-old car dealership. The property encompassed two non-contiguous parcels of land  Transaction Screen Assessments and included five automotive sales and service buildings, multiple aboveground storage tanks, underground storage  Database Reviews tanks, spray paint booths, hazardous materials storage  Phase I and II Environmental Site Assessments areas, and in-ground hydraulic lifts.

Phase I and II Environmental Site Assessments Truck Stop; Phoenix, AZ.

 Ms. Vickers has worked on hundreds of Phase I  Ms. Vickers performed a Phase I Environmental Site Environmental Site Assessments (ESAs) throughout the Assessment for a truck stop and travel center which United States for sites including multi-family residences, included a convenience store, fast food restaurant, and a high-rise offices, retail shopping centers, gasoline stations, truck wash and repair facility. Over the course of 26 automotive repair facilities, hotels, agricultural land, years, the property maintained a total of ten underground schools and industrial/manufacturing facilities. storage tanks with multiple releases reported for the tanks.

In addition, the property included eight drywells, multiple  Ms. Vickers has completed Phase I ESAs for numerous aboveground storage tanks, oil/water separators and real estate developers, brokers, attorneys and property sumps. owners in order to complete due diligence requirements

for property transfers and acquisitions. Former Circuit Board Manufacturer; Tempe, AZ.

 Ms. Vickers has provided assistance with Phase II  Ms. Vickers performed a Phase I Environmental Site Subsurface Investigations by collecting groundwater and Assessment for a flex office/warehouse with a history of soil samples, preparing the samples for laboratory circuit board manufacturing. Ms. Vickers performed analysis, characterizing soil lithology and technical report lengthy file reviews and discovered past tenants illegally writing. In addition, Ms. Vickers has provided assistance dumped hazardous waste into an on-site drywell. A with Hazardous Materials Surveys and Asbestos Surveys former tenant of this property was identified by the EPA by identifying hazardous building materials and potential as a responsible party for the South Indian Bend Wash asbestos containing materials within commercial Superfund site, with a documented VOC plume located properties, collecting and preparing the samples for beneath this property. laboratory analysis and technical report writing.

Gasoline Station Portfolio; Northern Arizona.  Ms. Vickers has provided Quality Assurance/Quality

Control reviews for hundreds of Phase I ESA reports  Ms. Vickers completed Phase I Environmental Site completed on properties located throughout the Western Assessments for a mini-portfolio of gasoline stations United States. located throughout northern Arizona. The gasoline

Key Experience/Key Projects stations either had multiple generations of underground storage tanks, documented releases, oil/water separators, Former Manufacturing Facility; Chandler, AZ. car wash facilities, septic systems or on-site potable water wells etc.  Ms. Vickers performed a Phase I Environmental Site Education Assessment for a retail shopping center with five tenant suites. The property was formerly developed with a Bachelors of Science in Earth Sciences, University of circuit board manufacturing facility for approximately 37 Michigan-Dearborn, 2007 years. Due to Volatile Organic Compound (VOC) impacts to soil, the property was accepted into the Arizona Master of Science in Environmental Science, University of Department of Environmental Quality’s Voluntary Michigan-Dearborn, 2010 Remediation Program. Heather N. Conner Principal Consultant/East Coast Operation’s Manager Balitmore Office [email protected] (443) 735 8540

Heather Conner is the Principal Consultant and East Coast LDC involved the inspection of 21 client residences, an Operation’s Manager within Fulcrum Resources acute hospital with sewage lift station, an auditory clinic, a Environmental library, a cafeteria, a vocational training center, storage buildings, recycling center, garden center, various staff Heather specializes in helping clients with the following: buildings including residential dorms and dwellings, administration building, staff training facility, research  Transaction Screen Assessment building, conference center, credit union, police and  Phase I and II environmental site assessment emergency services, motor pool, grounds maintenance  Property Condition Assessment facility, power plant with underground storage tanks and boiler room, machine shop, laundry services,  Technical consulting paint/woodworking shop, auto repair building, gas station,  Project Management car wash, motor pool, and hazardous materials and waste  RFI sample program management storage facilities. Recreational facilities assessed included  Chesapeake Bay Critical Areas Plan Review and an auditorium, school, day care facility, swimming pool, Inspection playgrounds, camp with concession stand, cabins, and an  Regulatory Records Research and Review amphitheater, carousel, equestrian center with a petting  Asbestos-Containing Material (ACM) Operations & zoo, track, and a ballpark. In addition to these structures, Maintenance Plan the LDC campus utilizes its own water distribution  Lead-in-water and Radon Testing system, equipped with two large reservoirs, a pump house,  Remediation and Monitoring Tactics and various on-site water wells.  Agency Oversight Assistance Education Key Experience/Key Projects - Bachelors of Science in Biology with a concentration in Phase I and II Environmental Site Assessments Environmental Science, Salisbury University, 2001

 Conducted over 1,000 nationwide Phase I environmental Certification site assessments on sites ranging in nature from small commercial businesses to Superfund redevelopment areas,  40-hour OSHA HAZWOPER Training Certificate including but not limited to Lanterman Development  4-Hour Disaster Training Certificate Center (LDC); Beverly Center; City of Hope Medical  Maryland Sediment Erosion Control Certificate Group; Fess Parker Resort Hotel Development Property; US Foodservices; portfolio project of various Residence Languages Inn Extended Stay Hotels; River Rail Apartments; monitoring current landfills in City of Puyallup,  English, native speaker Washington; and Tires Plus Total Car Care. Ms. Conner also performed technical consultant and remedial support for Brownfield redevelopment of historical Berk Oil and Pacific Metal Craft Sites.

Ms. Conner is the Due Diligence Specialist for LRS Federal and works closely with the Project team, providing guidance for Phase I assessment activities.

Lanterman Development Center (LDC)

 Performed Site Assessment and Managed LDC Project. LDC is a 900-acre, State-owned campus for the developmentally disabled located in the city of Pomona, California. With a rich 100-year history, assessment of the

Darren Johnston Director of Sustainability Consulting Services Colorado Office [email protected] (603) 661-5167

usage by greater than 50%, reducing their monthly bills by Darren Johnston is Director of Sustainability Consulting over $100,000 a year. Services for UHG Consulting. Sustainability Audits

Darren specializes in helping clients with the following: • Responsible for analyzing the practices of organizations and providing input on how to operate their organizations more efficiently. Recently completed an audit for a • Energy Audits domestic airline, analyzing their operations and providing • LEED Certification recommendations on how to operate more efficiently. • AB1103 • Energy Star Education • Water Audits • Waste Audits Bachelors of Science in Computer Science, Boston • Alternative Energy University, 1996 • Sustainability Audits Masters of Business Administration, Stanford University, Key Experience/Key Projects - 2003

Energy Audits Professional Papers • Performed field work, project management, budgeting, client management, and completion of report for clients in Building the Principles that Sustain Us, Planet Profit Report, sites nationwide. Energy Audit reports have identified May 2011 millions of dollars of opportunities to reduce energy How an outside consultant can help green your hotel, Green consumption. Recently helped a client in Colorado reduce Lodging News, February 2011 their energy consumption by over million dollars a year. Greening the Colorado Convention Center, Architect Magazine, January 2011 LEED Certification An Introduction to LEED Certification for Hotels, Lodging Hospitality, October 2010 • Have led LEED Certification efforts for clients seeking Managing Utilities, Bottom Line, April 2009 LEED-NC, LEED-EB, and LEED-ND. Responsible for managing the LEED process, project credit selection, Certification/ Boards LEED budgets, documentation, and LEED reports. Recently helped a corporate headquarters in Colorado • Qualified Commissioning Process Provider Certification, receive a LEED Gold certification, and hotel in Florida University of Wisconsin, 2010 receive a LEED Silver certification. • United States Green Building Council Member • Board Member, Green Up Our Schools, 2010-2013 Energy Star • Board Member, Ignite Innovations 2004-2010 • Board Member, Center for ReSource Conservation, 2009- • Responsible for maintaining multiple client Energy Star 2012 portfolios. Manage, edit, input, and update Energy Star • Advisory Board Member, Evolve Electrics 2008-2013 portfolios to maximize Energy Star scores. Recently • United States Green Building Council Member helped multiple County buildings in Colorado achieve Energy Star awards. Languages • English, native speaker Water Audits • Moderate Speaker in Spanish

• • Responsible for analyzing the water usage of multiple Moderate Speaker in German clients across the United States. Through analysis and project management have assisted clients in implementing improved water reduction strategies. Recently helped a 250 unit apartment complex in Ohio reduce their water

Kristina Krissakova-Thomas Environmental Assessor, Project Manager Orange County Office (949) 266 7173

Kristina Krissakova-Thomas is an environmental scientist and Computer Software Knowledge the Environmental Assessor and Project Manager within Fulcrum Resources Environmental primarily for Orange • ARC GIS County and San Diego County. • Microsoft and Adobe • California Environmental Reporting System (CERS) Kristina specializes in helping clients with the following: Education • Transaction Screen Assessment • Phase I and II environmental site assessment Bachelors of Environmental Management (May 2007) • Property Condition Assessment Comenius University in Bratislava, Slovakia • Project Management Faculty of Natural Sciences • Regulatory Records Research and Review • Agency Oversight Assistance Master of Environmental Planning and Management (May 2009) Comenius University in Bratislava, Slovakia Key Experience/Key Projects - Faculty of Natural Sciences

Project Management Certification

Ms. Krissakova-Thomas in an experienced environmental • 40-hour OSHA HAZWOPER Training Certificate assessor and project manager. She conducted over 100 Phase I environmental site assessments on sites ranging in Languages nature from small commercial businesses to Superfund redevelopment areas. Ms. Krissakova-Thomas is involved • English in all aspects of Phase I projects including field work, • Slovak, native speaker tenant/owner interviews, extensive agency file reviews, • Czech historical analysis, database reviews and the generation of • Polish final reports. Ms. Krissakova-Thomas is also an expert in • Spanish consulting with owners, investors, lenders, and brokers.

Ms. Krissakova-Thomas prepared over 150 California Hazardous Material Business Plans for a major nationwide contractor’s retail chain.

Ms. Krissakova-Thomas assisted in preparation of Health and Safety Plans and Work Plans as a part of

environmental subsurface conditions assessments.

Ms. Krissakova-Thomas is also experienced in conducting

environmental health and safety tenant audits for commercial and industrial facilities.

Proposals and Cost Preparation

Mr. Krissakova-Thomas is experienced in planning and assembling project proposals for Phase I Site Assessments. She is responsible for building and maintaining of a professional network and sourcing of new clients, primarily in the Orange and San Diego County area.

Tiffany N. Tona, M.S. Project Manager San Jose and Southern California [email protected] (657) 203-5549

Tiffany Tona is a Project Manager within Fulcrum Resources compliance reviews were conducted in accordance with Environmental. NEPA telecommunications standards.

Tiffany specializes in helping clients with the following: Education • Transaction Screen Assessment • Phase I Environmental Site Assessments Bachelors of Arts in Japanese, University of Oregon, 2006 • Historical Research Investigations • NEPA Checklists and Compliance Assessments Masters of Science in Environmental Management, University • SHPO Compliance Assessments of San Francisco, 2012 Thesis: Swift advancements in electronic waste management for New York City: Electronic Equipment Recycling and Key Experience/Key Projects - Reuse Act

Phase I Environmental Site Assessments Professional Papers • Performed Phase I Environmental Site Assessments since 2013, for various facilities that include but not limited to Development of a low-carbon indicator system for China. gas stations, car dealerships, manufacturing facilities, Habitat International, January 2013, pages 4-21. telecommunications facilities, commercial buildings, auto repair, agricultural farmland, apartment complexes, commercial offices, storage facilities, industrial facilities, and restaurants. Work performed in Northern and Southern Certifications California. Followed ASTM E 1527-05/All Appropriate Inquires Standards and current ASTM E 1527-13 • 40-hour OSHA HAZWOPER Standards. • Red Cross/First Aid, 2012

• Subsurface investigation projects include: leaking underground storage tank historical research and remediation planning for former and existing gas stations and automotive repair shops in Southern California; subsurface analysis of former and existing tank farms in Northern and Southern California; and remedial investigations of proposed and existing Telecom facilities for Verizon Wireless and AT&T.

NEPA Checklists and Compliance

• Performed NEPA Checklist reviews for compliance under the National Environmental Policy Act (NEPA) for proposed and existing Telecom facilities, and colocation agreements for Verizon Wireless and AT&T. Determination of compliance included the review and verification of environmental impact assessments conducted at proposed and existing telecom facilities regarding the facility’s impact on migratory birds, local endangered flora and fauna, 100- and 500-year flood zone influences, as well as potential impact to human health. All

Shauna Davis, M.S. Midwest Regional Manager/Environmental Professional Chicago Office [email protected] (661) 331 1842

Shauna Davis is Midwest Regional Manager and chemical inventory practices, and permitting and Environmental Professional within Fulcrum Resources licensing. Environmental • As former Chemical Hygiene Manager for the Shauna specializes in helping clients with the following: Environmental Protection Agency’s research vessel Lake Guardian, Ms. Davis supervised safety of sampling • Transaction Screen Assessment activities, laboratory activities, chemical usage and storage, and performed quality control drinking water • Phase I and II environmental site assessment sampling and analysis. • Site investigation and assessment • Technical site review Education • Remediation and Monitoring Tactics • Health and Safety Bachelors of Science in Earth and Environmental Science, • NEPA University of California - Irvine, 2006 • Agency Oversight Assistance • Conceptual Site Models Masters of Science in Geology, Emphasis in Hydrogeology, California State University - Los Angeles, 2012 Key Experience/Key Projects - Professional Papers Phase I and II Environmental Site Assessments Analysis of the Geochemistry of Permafrost Fed River • Performance of over 400 environmental site assessments Samples and Glacial Fed River Samples Collected from nationwide since 2007 that include but are not limited to Tributaries of the Yukon, Tanana, and Copper Rivers in gas stations, dry cleaners, heavy manufacturing sites, Alaska. Research Paper for California State University-Los retail sites, oil and gas sites, multi-tract residential Angeles, August 2012 apartments and housing, power generation facilities, and landfills. Ms. Davis also has extensive involvement with Certifications Non-CERCLA sampling per specific client protocol that include radon testing and lead in water sampling. • 40-hour OSHA HAZWOPER with Refresher

• Ms. Davis also has experience in completion of Phase II Environmental Site Assessment reports and Groundwater Monitoring Reports for former and current industrial facilities undergoing remediation.

• Ms. Davis has experience in hydrogeological concepts effecting the fate and transport of contaminants in the environment and has

participated in the completion of fate and transport

models, capture zone analysis of remediation systems, and interpretation and analysis of water level transducer data.

Health and Safety

• Ms. Davis has performed annual Environmental Health and Safety Audits for commercial properties located throughout Southern California. Audits include assessment of fire suppression safety, warehouse safety,

Gabe Touma, CHMM Midwest Operations Manager Denver Office [email protected] (720) 468 2420

Gabe Touma is Midwest Operations Manager within Fulcrum  Environmental site assessments Resources Environmental  Environmental remediation

Gabe specializes in helping clients with the following: Education

Bachelors of Science in Biological Science, California State  Phase I and II environmental site assessment University, Fullerton, California  Site investigation and assessment  Technical site review Western State University College of Law  RFI sample program management Property Law I and II  Alternative Energy/solar/wind Civil Procedure I and II  Asbestos in soil project management and remediation Legal writing I and II  Asbestos inspections associated with demolition, restoration and renovation  Lead in soil/surveys Certification  Indoor air quality  Monitoring/remedial Well installation  Certified Hazardous Materials Manager  Health and Safety- Environmental Construction/drilling  Certified Colorado Building Inspector  Noise surveys  40-hour OSHA HAZWOPER  Waste profiling/treatment/disposal Languages

Key Experience/Key Projects -  English, native speaker

Key Industry Sectors Santa Susanna Field Laboratory  Commercial real estate transactions  Under the direct oversight of the California Department of  Oil and Gas Toxic Substances Control (DTSC), conducted a Phase I  Industrial hygiene Environmental assessment and historic review of a 3,000-  Waste management and recycling; acre property that operated as cold war facility. Operations  Construction management included nuclear reactor experiments, rocket testing, space shuttle engine testing and missile development. Prepared a Previous representative employers – sampling analysis program and conducted RFI sampling and management of over 600 boring locations. Such  CH2M Hill efforts included the management of up to four field  Tetra Tech, ECI personnel as well as health and safety.  Delta Environmental

Stapleton International Airport

 Management for large construction projects involving excavation of hazardous materials including the Former Stapleton International Airport. Management of up to eight field personnel. Tasks included technical site management as well as health and safety.

Fields of Competence

 Industrial hygiene

Steve Oak, MEM Northeast Regional Manager New York/New Jersey Office (201) 543 3817

Steve Oak is a Regional Project Manager and Environmental Master of Sciences, Environmental Management, Yale Scientist within Fulcrum Resources Environmental University-2003

Steve specializes in helping clients with the following: Certification

• Transaction Screen Assessment • California Registered Environmental Assessor #30281 • Phase I and II environmental site assessment • 40-hour OSHA HAZWOPER Training Certificate • Property Condition Assessment • ASTM Phase I and II Assessment for Commercial • Technical consulting Real Estate Course Due Diligence at Dawn Seminar • Project Management by EDR, Inc. May 2007 • Regulatory Records Research and Review • Underground Storage Tanks-NJDEP’s Regulatory • Asbestos-Containing Material (ACM) Operations & Maintenance Plan Training-June 2007 (Edison, NJ) • Lead-in-water and Radon Testing • Geology, Hydrology, and Chemistry-October 2007 • Remediation and Monitoring Tactics • NJDEP Proposed Soil Remediation Standards by • Agency Oversight Assistance NJDEP-October 2007 • Site Remediation Basic by NJDEP-February 2008 Key Experience/Key Projects - • Introduction to Groundwater Investigation by US EPA-March 2008 Project Management • Certified Environmental Manager (CEM) #9934

• Mr. Oak has extensive experience in conducting Phase I and II Environmental Site Assessments. Throughout the Languages United States. These sites have included gasoline stations, automotive repair stations, manufacturing facilities, • English warehouse, dry cleaners, strip malls, hotels, multi-family • Korean houses, restaurants, and offices.

Mr. Oak has also conducted many subsurface investigations that included soil and groundwater testing to meet lender, government, and agency requirements.

Proposals and Cost Preparation

• Mr. Oak is experienced with handling multiple Phase I and II proposals while also performing or managing various workloads.

Computer Software Knowledge

• Power Point • Excel • Microsoft

Education

Bachelors of Arts, Seoul National University-2000

Jeff Clifton Environmental Engineer/Southern Operations Manager (Dallas, TX) [email protected] (214) 862 5620

Jeff Clifton is a Senior Environmental Scientist that performs Jeff’s Phase II experience involves dry cleaners, gas Phase I Environmental Site Assessments/ Phase II stations, and major industrial facilities. Environmental Site Assessments/ Property Condition Assessments Client Management

Jeff specializes in helping clients with the following: Mr. Clifton currently assists with client relationship and management through attending quarterly meetings, and • Government FDIC Checklists for single-family educating clients on environmental issues. residences • Phase I and II environmental site assessment Education • Site investigation and assessment • Technical site review Bachelors of Science in Environmental Soil and Water • Property Condition Assessments Science, University of Alabama, 2001 • Asbestos, lead, mold, and microbial inspections associated with demolition, restoration and renovation Certifications • Remediation and Monitoring Tactics • Health and Safety- Environmental Construction/drilling • Texas Department of State Health Services Certified • Agency Oversight Assistance Asbestos Inspector • Soil Engineering • Oklahoma Department of Labor Licensed Asbestos • Environmental Compliance Audits Inspector

Key Experience/Key Projects - Computer Skills

Geotechnical Experience • PARCEL Platform • GIS, GPS, VISIO, and AUTOCAD • Mr. Clifton performed geotechnical testing involving Atterberg Limits, Plastic Limits, Sieve Analysis, Free Swell Analysis, and Unconfined Strength Testing. Mr. Clifton is also experienced in performing duties involving Languages construction materials testing, soil density gauge testing, • English, native speaker soil moisture/density relationships, concrete sampling and testing, and pier inspection.

Phase I and II Environmental Site Assessments

Performed over 2,000 environmental site assessments nationwide since 2003 that include but not limited to gas stations, dry cleaners, heavy manufacturing sites, multi- tract residential apartments and housing. Mr. Clifton is experienced in handling government FDIC work and portfolio work involving dual-scope or multi-scopes of Phase I Environmental Site Assessment, Property Condition Assessments, and/or asbestos and lead testing.

Jeff is also experienced with handling aspects of Non- CERCLA items and soil vapour intrusion related to ASTM Standards.

Ian Culp Environmental Assessor Bay Area Region Offices [email protected] (925) 200-2230

Education Ian is an associate environmental assessor that specializes in conducting field assessment work and Phase I Environmental B.A.-Archaeology-California State University-East Bay Site Assessments. Certification

Ian is experienced with the following tasks: • Hazwoper 40 Hr

Languages • Phase I Environmental Site Assessments

• Soil and groundwater sampling • English • Air monitoring

Key Experience/Key Projects -

Master Phase I Environmental Site Assessment of Industrial Facility (Richmond, California)

• Conducted a master Phase I Environmental Site Assessment of a 10 acre, multi-tenant industrial facility. The facility contained a UST, and multiple hazardous materials

Phase I Environmental Site Assessment Report of Industrial Facility (Oakland, California)

● Former City of Oakland Firehouse, built in the early 1960’s and had been vacant for several years. Responsibilities included identification of asbestos building materials, extensive water damage, pest damage, a large amount of pesticide/herbicide being stored, and a large gasoline AST.

Phase II Environmental Site Assessment of Retail Commercial Facility (Sea Ranch, California)

• Responsible for obtaining groundwater permits, and choosing groundwater sample locations with Senior Geologist. Also responsible for collecting groundwater sampling and setting temporary wells

Phase I and Phase II Environmental Site Assessment of Gas Station (Dunnigan, California)

• Responsibility included assisting in the preparation of a Phase II Proposal and obtaining proper files for Phase I and Phase II Assessment

Caitlin D. Culp Environmental Professional and Project Manager Santa Clara/South Bay Offices [email protected] (925) 200-7032

Some of the structures had issues with former tanks Caitlin is an Environmental Professional and Client Manager onsite, or dry cleaners where a indoor air monitoring and a within Fulcrum Resources Environmental. Caitlin has health risk assessment was necessary. One of the apartments had a dry cleaner operation. managed multiple clients and Phase I/II Reports throughout greater Northern California. Subsurface Investigation of Former Manufacturing Facility and Machine Shop (Sunnyvale, California) Caitlin is experienced with the following tasks: • Assisted Senior Geologist with proposed locations to drill • Phase I Environmental Site Assessments at manufacturing facility. The investigation consisted of • UST Compliance collecting groundwater, soil, and soil vapor samples, in • Subsurface Investigations which a J&E Model was conducted. • Project Management Education • Health Risk Assessments

• Asbestos and Lead Sampling B.S. Biology-University of California-San Diego • Soil and groundwater sampling M.S. Environmental Management-University of San • Air monitoring Francisco

Key Experience/Key Projects - Certification

Subsurface Investigation of Former UST Site (Gilroy, • Hazwoper 40 Hr California) Languages • Conducted a geophysical investigation via ground- penetrating radar and found location of former UST. • English Continued to assess the area of the former tank with soil vapour, soil, and groundwater sampling. Completed health risk assessment with vapour data

Phase I Environmental Site Assessment Report of Industrial Facility (Freemont, California)

● Conducted a Phase I Environmental Site Assessment of former SLIC Site within area of multiple open SLIC cases with the waterboard. Was able to consult with client and agency to obtain clearance letter from SFRWQCB.

Phase I Environmental Site Assessment & Asbestos and Lead Sampling of Industrial Facility (San Jose, California)

• Assisted with collecting asbestos and lead sampling while also conducting a Phase I Environmental Site Assessment of warehouse portion of industrial facility to be renovated.

Portfolio of Phase I Environmental Site Assessments for ground floor commercial and residential apartments (Oakland and San Francisco, California)

• Conducted 15 site walks of multi-story commercial and residential apartment buildings throughout greater San Francisco and Oakland area, and managed client demands. Andrew J. Dziedzic, REPA Regional Project Manager Philadelphia, Pennsylvania Office (215) 534 4155

Andrew Dziedzic is a Regional Project Manager within • Managed and performed UST removal, subsurface Fulcrum Resources Environmental. evaluation and soil and groundwater investigations.

Andrew specializes in helping clients with the following: • Performed ISRA Preliminary Assessments for commercial/industrial properties governed under • Transaction Screen Assessment the New Jersey Industrial Site Recovery Act • Phase I and II environmental site assessment including historical site characteristics, area of • Site investigation and assessment concern identification, and soil and groundwater • Technical site review sampling and report preparation. • Asbestos and lead-based paint • Remediation Advantage Environmental Consultants and Property • Business Development Solutions, Inc. 2006-2009 • Developed bid packages and won Phase I & II, soil & groundwater remediation and UST projects Key Experience/Key Projects: including Brownfields redevelopment investigation, Asbestos abatement projects, New Jersey ISRA Phase I, II, and III Environmental Site Assessments compliance projects and mercury contaminated soil removals. • Extensive expertise on many portfolio and debt and equity • Responsible for client management and business transactions throughout the United States and Mexico. development for the Philadelphia Regional Office, scheduling of personnel and direction of resources, • Proven track record of providing timely and accurate financial tracking, coordination of daily business and technical information and professional opinions regarding office activities, as well as perform and manage all potential issues to assist clientele in environmental aspects of Phase I and Phase II Environmental Site liabilities and tasks. Assessments, Site Investigations and UST closures on projects throughout the Pennsylvania/New • Performed thousands of environmental investigations of Jersey region. all property types including commercial, residential, Technical Manager and Regional Manager of the multi-family, and industrial properties. These Irvine, California office, responsible for managing investigations have been in accordance with Freddie Man, the environmental operations and staff of the Fannie Mae, and ASTM Guidelines. Western Region.

• Extensive knowledge of state and federal regulations with Education over 20 years of experience. Bachelors of Art, Earth and Environmental Sciences with • Expertise in asbestos and lead-based paint, subsurface Minor in Business, Wilkes University, 1993 investigations, and remediation. Certification Previous Employment Experience • 40-hour OSHA HAZWOPER Training Land America Commercial Services, Brinkerhoff • 8-hour OSHA HAZWOPER Supervisor Training Environmental Services, Raritan Enviro Sciences, & GA • Licensed Subsurface Evaluator/UST Closure, NJDEP Environmental Services 1994-2004 No. 18809 • Managed and supervised the performance of • EPA/AHERA Asbestos Building Inspector multiple Phase I and II Environmental Assessments, Site Investigations, and Remedial Investigations for Languages private equity groups, commercial mortgage and construction lenders, real estate investment trusts, • English and commercial mortgage backed securities, including preparation and review of expert reports.

Anthony Ligutom Geologist North Dakota Office [email protected] (701) 202-9179

Anthony Ligutom is a Geologist at Fulcrum Resources Field Work Environmental. • Experienced in installing monitoring and production wells. Soils logging using the USCS. Groundwater and soil Anthony specializes in assisting clients with the following: sampling conducted in many states through various methods. Contractor oversite for emergency response, • Phase I Site Assessment drilling, well installations, UST removals and for • Phase II Site Remediation remediation system installations. Operations and • Monitoring and production well installation maintenance for remediations systems. • Soil and groundwater sampling • Technical report writing Education • Site investigation and assessment • Health and safety audits and documentation Bachelor of Science in Geology, California State University of • State and federal environmental regulation knowledge for Los Angeles, 2005 North Dakota. • Environmental Research Certifications

KEY EXPERIENCE/PROJECTS - • 40-hour OSHA HAZWOPER • OSHA 10 Hour Project Management

Languages • Project proposal writing, budgeting and field preparation with respect to the clients and regulations. Consistent and • reliable communication with all stakeholders regarding Spanish, English progress of the project. Post field work report writing. • These projects were in the North Dakota Bakken oil fields. Some were for emergency response to spills and leaks in adverse weather and remote locations.

Health and Safety

• Developed and prepared job safety and project safety specific programs. I was part of risk management teams that were used to not only determine the scope of work but how to best mitigate potential hazards. Trained new staff with respect to behaviour-based safety and ensured they were properly equipped to work in adverse weather conditions.

Phase I and II Environmental Site Assessments

• Performed fieldwork, project management, budgeting, client management, and completion of report for clients throughout North Dakota. Performed environmental site assessments for properties such as commercial and industrial buildings. Environmental investigations to determine the nature and extent of soil, sediment, and groundwater impacts.

Steffany Goetz Southeast Operations and Client Manager Orlando, Florida Office [email protected] (321) 312-8342

Steffany is an environmental professional and also manages coordinating with the client the need for additional the South-eastern division for Fulcrum… assessment, and was also the field technician involved with the geophysical survey and subsurface investigation. Steffany specializes in helping clients with the following: Car Wash (Key Largo, Florida) • • Phase I and II Environmental Site Assessments Ms. Goetz had conducted a cursory review of a car wash that • • Soil and groundwater sampling was a former auto repair site, and that had impacted • • Site Closure groundwater. The other consultant recommended additional • • Technical site review remediation, where Ms. Goetz disagreed and was able to get a

• • Health and Safety closure status through the Florida Department of • • Well Abandonment Environmental Protection based on low levels of BTEX in • • Hazardous Materials Management groundwater. Ms. Goetz was able to save the client nearly 100k in remediation efforts. Key Experience Drycleaner Investigation (Daytona Beach, Florida) LUST closure-Wyndham Bay Point Resort Golf Course (Panama City, Florida) Ms. Goetz conducted a Phase I of a commercial-retail plaza that consisted of five parcels, which also led to the discovery Ms. Goetz was the point person and onsite field technician in of a former drycleaner operation between the 1960s-1980s conducting well installations, scheduling and coordinated of that the former consultant missed. Ms. Goetz organized the subsurface investigation, consisting of installation five staff, well sampling, and client and agency correspondence shallow groundwater wells. Low levels of vinyl chloride and for an open LUST case for two former USTs located within PCE were discovered, but after several monitoring events, the maintenance yard portion of a golf course located at the Ms. Goetz was able to show it was contributing to an offsite Wyndham Bay Resort. Ms. Goetz’s experience proved source. The Florida Department of Environmental Protection beneficial in assisting the client in obtaining a low-threat was able to issue closure. closure, and saving time and money.

Education Phase I Restaurant Portfolio in Counties of Brevard and

Orange, Florida Bachelors of Science in Environmental Science, Florida

Institute of Technology, 2016 Ms. Goetz scheduled and oversaw the management of eleven

Phase I reports for Dennys and IHOP restaurants within Brevard and Orange County, Florida. Ms. Goetz was also the Certifications key point of contact in communicated with client as several of • • Red Cross/First Aid, 2015 the restaurants were former gas stations that required • additional due-diligence. • 40-hour OSHA HAZWOPER with 8 Hour Refresher • Statewide Florida Gas Station Portfolio Acquisition • Medical Assistance Certification, Vetterot College • Involving Phase I & II Site Assessments • Wind mitigation CertificationProfessional Papers Ms. Goetz was personally in charge is coordinating and Affiliations visiting a total of 25 gas stations throughout the state of Florida. Ms. Goetz oversaw compliance issues, and also • Central Florida Association of Environmental addressed all RECs at the gas stations where further Professionals subsurface investigation and initiating of groundwater monitoring under the Florida Department of Environmental Key Industry Sectors Protection was needed. • Commercial/Industrial Real Estate Transactions ARCO Gas Station (Ocala, Florida) • ICSC Ms. Goetz conducted the Phase I investigation of a two • CMBS generation gas station in Ocala, Florida that also required • Petroleum Industry additional due-diligence. Ms. Goetz was also responsible for • Environmental Bankers Association

RICK SCOTT, GOVERNOR JONATHAN ZACHEM, SECRETARY

STATE OF FLORIDA DEPARTMENT OF BUSINESS AND PROFESSIONAL REGULATION

BOARD OF PROFESSIONAL GEOLOGISTS

THE PROFESSIONAL GEOLOGIST HEREIN IS LICENSED UNDER THE PROVISIONS OF CHAPTER 492, FLORIDA STATUTES

KELLAR, DONALD STEVEN 2610 GARDI ST DUARTE CA 91010

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Do not alter this document in any form.

This is your license. It is unlawful for anyone other than the licensee to use this document.

G·EOLOGJST STATE OF WASHINGTON HYDROGEOLOGIST

JAMES DAVID COPPER. O'LL 15306 PLAIN VIEW PL MONllOE WA 98272

490 08/29/2018 Expir3tiL1n Date Pat Kohlt:r, Di rel:tor

Fulcrum Resources Environmental Statement of Qualifications

General Liability Insurance

www.frenviro.com 517 S. Ivy Avenue, Monrovia, California 91010 T: 800.385.7105 | F: 800.385.7126

DATE (MM/DD/YYYY) CERTIFICATE OF LIABILITY INSURANCE 05/03/2018 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT NAME: Annette Bossert Landmark Insurance Group, LLC PHONE (720) 403-9450 FAX (720) 403-9451 (A/C, No, Ext): (A/C, No): E-MAIL 6501 E. Belleview Ave. ADDRESS: [email protected] Suite 550 INSURER(S) AFFORDING COVERAGE NAIC #

Englewood CO 80111 INSURER A : Crum & Forster Specialty Insurance Company

INSURED INSURER B : Hartford Insurance

Fulcrum Resources, Inc. INSURER C : Technology Insurance Company Inc.

dba GeoRockers Drilling INSURER D :

2610 Gardi St INSURER E :

Duarte CA 91010 INSURER F : COVERAGES CERTIFICATE NUMBER: CL17103104319 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR ADDL SUBR POLICY EFF POLICY EXP LTR TYPE OF INSURANCE INSD WVD POLICY NUMBER (MM/DD/YYYY) (MM/DD/YYYY) LIMITS COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 2,000,000 DAMAGE TO RENTED 50,000 CLAIMS-MADE OCCUR PREMISES (Ea occurrence) $ MED EXP (Any one person) $ 5,000

A EPK120044 11/01/2017 11/01/2018 PERSONAL & ADV INJURY $ 2,000,000

GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000 PRO- 2,000,000 POLICY JECT LOC PRODUCTS - COMP/OP AGG $ OTHER: $ AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT $ 1,000,000 (Ea accident) ANY AUTO BODILY INJURY (Per person) $

B OWNED SCHEDULED 34UECZG3786 10/29/2017 10/29/2018 BODILY INJURY (Per accident) $ AUTOS ONLY AUTOS HIRED NON-OWNED PROPERTY DAMAGE $ AUTOS ONLY AUTOS ONLY (Per accident) $

UMBRELLA LIAB OCCUR EACH OCCURRENCE $

EXCESS LIAB CLAIMS-MADE AGGREGATE $

DED RETENTION $ $ WORKERS COMPENSATION PER OTH- STATUTE ER AND EMPLOYERS' LIABILITY Y / N ANY PROPRIETOR/PARTNER/EXECUTIVE E.L. EACH ACCIDENT $ 1,000,000 C OFFICER/MEMBER EXCLUDED? N / A TWC3667886 11/15/2017 11/15/2018 (Mandatory in NH) E.L. DISEASE - EA EMPLOYEE $ 1,000,000 If yes, describe under DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT $ 1,000,000 2,000,000 Professional Liability A Contractors Pollution Liability EPK120044 11/01/2017 11/01/2018 2,000,000

DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) Certificate holder, First Citizens Bank, for itself and as agent for and on behalf of its subsidiaries and affiliates, are an additional insured as respects the General Liability and Contractor Pollution Liability when required by contract or agreement with the insured.

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