Mr. Jenkins has been an insurance professional since 1982 and has served in various insurance claims capacities.

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1 CURRICULUM VITAE John L. Jenkins Northwest Insurance Consultants, Inc. Dba NW Claims Service P.O. Box Portland, OR Summary of Qualifications: Mr. Jenkins has been an insurance professional since 1982 and has served in various insurance claims capacities. John L. Jenkins is the Principal of Northwest Insurance Consultants Inc. and DBA: NW Claims Service. Mr. Jenkins serves as the General Adjuster for NW Claims Service, a multi-lines independent adjusting firm that specializes in Complex Claims, Multi-Lines Claims, and Specialty Claims Investigations. Since 1994, Mr. Jenkins has worked as a multi-line independent insurance adjuster who specializes in complex claims, multi-lines claims investigations and claims handling services. Mr. Jenkins also serves as a claims consultant to insurers, self-insured s, insurance brokers and legal firms. Mr. Jenkins specialty is commercial claims liability investigations and claims consulting support services. Prior to becoming an independent adjuster, Mr. Jenkins had the opportunity to organize and reorganize the liability and workers compensation departments of a national motor carrier. He also provided technical claim consulting and claims investigation services to the motor carrier legal representatives for their Federal DOT Self Insured Certification. Mr. Jenkins has been operating as Northwest Insurance Consultants Inc., DBA: NW Claims Service since 2004, and has provided insurance claims consulting services, multi-lines claim investigations and expert witness services. He has acted as an expert witness for both insurers and policyholders.

2 Education: Page 2 Mr. Jenkins has also provided claims consulting services to agents, brokers and third party administrators. Mr. Jenkins has served as an appraiser in Policy Appraisals in Oregon and Washington since Mr. Jenkins has served as a carrier Alternative Dispute Resolution representative providing litigation support services at arbitration and appraisal hearings as well as at trial. Mr. Jenkins has and will serve in all forms of alternative dispute resolution; providing review, analysis, reporting, and trial reporting. Portland State University Bachelor of Science Clackamas Community College Associate of Arts Continuing Education: Annual continuing education courses in order to assure current expertise in case law and claims investigation, including: AIC-Course work Arson and Fraud Training (AIASU-Oregon Chapter-Carrier Training) Claims Investigation/Claims Handling Practices and Coverage Training (Oregon, Washington, and Idaho) Bad Faith (Oregon, Washington, and Idaho) Basic and Advanced Casualty Claims training programs Basic and Advanced Property Claims training programs Construction Defect / Mold in Construction Hazardous Waste Operations and Emergency Response - 40 Hour (OSHA) Hazardous Waste Operations Refresher Courses Hazardous Material Transportation - Initial Training (DOT) Legal Seminars on Coverage and Comparative Negligence (OR, WA, ID) Legal Training, including Litigation Management Litigation Claims Handling / Management Training Products Liability Investigation RIMS (Risk Insurance Management System) Training and Education Safety OSHA NW Claims Service: NW Claims Service is an independent, multi-line insurance adjustment service provider serving the major population centers of Oregon, Washington, and Idaho. NW Claims Service specializes in multi-line casualty, liability and property claims handling, Complex Claims Investigations in personal and commercial lines.

3 Page 3 Mr. Jenkins has twenty-nine years of professional experience as a carrier claims representative, claims supervisor, litigation specialist, claims consultant to insurers, selfinsureds, brokerage firms, independent adjusting firms and TPA s. Mr. Jenkins primary specialties are commercial lines liability, transportation claims, environmental claims, fraud, and arson. Mr. Jenkins has worked with claims management, insurance carriers, and insurance brokers to investigate multi line claims losses, evaluate exposures adequately, reserve claim files and manage defense and settlement of claims. Through his services, he has saved clients money with investigations that have high quality results. Mr. Jenkins has in-depth knowledge of commercial lines coverage s as well as strong decision making, judgment and negotiation skills. Claims Investigation Services: Auto Personal Lines /Business Auto Builders Risk /Contractor Liability/Course of Construction Business Interruption Claims Complex Claims Investigations Casualty Claims Investigations/Premises Liability/Property Claims Inland Marine Property Loss Investigations/Business Interruption, including assessment and adjustment of all varieties of commercial claims. Delivered cost saving results based on quality investigations Homeowner s property damage claims: fire, water, wind, contents, structure. Construction Defect Claims/Mold & EIFS Investigations Litigation Management and Support ADR Mediation Representation: Policy Appraisal/Arbitration/Mediation, Impartial Analysis, Expert Advice and Testimony, Property Loss and Damage, Business Interruption/Expense Products Liability-Cause and Origin Investigations/Contents evaluations, structural claims. Hazardous Material Spills Fraud/Arson Investigations Transportation Claims/Cargo Claims Environmental/Pollution Claims, Meth Lab Claims, Transportation Fuel Spills Fire Suppression and Sprinkler Systems Subrogation-Contents Evaluations-Commercial-Homeowners Full scene investigations Photos, Measurements, Diagrams, Witness Canvass Liability Determination Based on Jurisdictional Laws Injury and Damages Evaluations Secure Police and Fire Reports Negotiate Injury Settlements

4 Page 4 Prepare Settlement Evaluations Property Inventory Evaluations Worked with claims management and insurance carriers representatives to establish adequate reserves Motor Cargo Commercial Truck/Common Carrier Liquor Liability Claims Risk Assessment Surveys and Liability Exposures Specialty Claims: Litigation Services: Business Interruption Claims Commercial and Personal Contents Claims Cargo Claims, Courier/Delivery Cause and Origin Claims (Initial) Investigations. Inland Marine Employee Fraud Claims Investigations/Fidelity Claims Garage Keeper Liability Liquor Liability Loss Control Inspection and Surveys Claims Analysis Premises Liability Moving and Storage Claims Worker s Compensation Claims/Investigations Self Insured Claims - Risk Assessment Services Client representation in all forms of arbitration and mediation; provide trial monitoring services; insurance claim litigation review and preparation. Provides Claims analysis and claims consulting services to carriers and selfinsured s on multi claims complex and large-loss claims. Provides representation services for depositions and trials on behalf of insurance carriers and self-insured carriers; pretrial conferences and private Mediation conferences. Litigation support services have also included assistance in managing defense of multi-lines litigated claims. Review investigative data and organize evidence; interview insureds, claimants, and witnesses; evaluate damages and identify issues to be resolved outside of court; consult with client and attorneys on strategy. We also audit legal services and legal fees. Specialize in policy appraisal disputes on first party claims.

5 Policyholder Appraisal Services: Page 5 Mr. Jenkins has served as an appraiser in Policy Appraisals in Oregon and Washington since 2001 for insurance carriers and policyholders. Mr. Jenkins has also served as a claims consultant, testifying expert, non-testifying expert, and claims denials, standards and practices/bad faith. Northwest Insurance Consultants, Inc.: Mr. John L. Jenkins is the Principal, Claims Consultant, and Expert Witness for Northwest Insurance Consultants, Inc. He provides Expert Witness services and Multi Lines Claims Consulting Services. Mr. Jenkins has twenty-nine years of professional experience as a carrier claims representative, claims supervisor, litigation specialist, consultant to insurers and selfinsureds, and independent adjuster. Mr. Jenkins provides litigation support and expert testimony in the handling of casualty, property and specialty claims. He represents insurers and insureds at private mediations, circuit court-mandated settlement conferences and trials. Mr. Jenkins provides insurance claims consulting services and expert witness services for insurance claims. Mr. Jenkins provides a wide range of professional services, including assistance in complex litigation matters in which independent expertise is required. Mr. Jenkins fair and impartial opinions are based on experience and knowledge of the insurance industry. Expert Witness Services: 2004 Present Expert analysis and testimony on casualty and property claims in all forms of alternative dispute resolution; provide review, analysis, reporting, and trial testimony. Provide expert witness testimony in the following areas: Auto Personal Lines / Business Auto Bad Faith First- and Third-Party Claims Bad Faith Claims Handling Practices Builders Risk Coverage and Damage Evaluations Coverage Commercial Personal Lines Casualty Liability Claims Coverage Commercial Personal Lines Property Claims Structure/Contents Actual Cash Value Fair Market Claims Contents-Inventories Evaluations Best Practices/ Due Diligence Diminished Value Claims for Automobiles Large Loss Complex Casualty and Property Claims Coverage Analysis Insurance Claims Handling Practices

6 UM/UIM Claims Handling Practices Wrongful Death Subrogation Claims Analysis of Structural, Contents and ALE Structural Replacement Cost & ACV Page 6 Licenses: Oregon Adjuster s License Washington Adjuster s License Idaho Adjuster s License Presentations/Publications: Conducted presentations on claims handling and investigation, including environmental claims handling, for insurance carrier staffs for the States of Washington and Oregon. Author of handbooks on claims handling tips for personal lines, commercial claims, and environmental claims. References provided upon request *** Notice: My Curriculum Vitae is presented as a document on my background and experience. A review of my CV does not constitute an agreement for consulting or expert witness services. Consultant is not considered retained unless a signed Retainer Agreement and Retainer is paid.

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