Kelvin: As a possible agenda of topics for our call, below is the email that Vicky sent on 12/11 to Mandeep with the list of outstanding issues, to which we have never received any response other than his acknowledgment of receipt. George George S. Burns Burns & Moss 620 Newport Center Drive Suite 600 Newport Beach, CA 92660 Tel: (949) 263-6777 : From: Mandeep Rupal <[email protected]<mailto:[email protected]>> Date: December 12, 2025 at 11:21:24 AM PST Subject: Re: Yan v. Load Karma  Dear Ms. Moss, Thank you for your email. I will consult with my client and get back to you next week. Mandeep On Thu, Dec 11, 2025 at 1:16 PM Victoria Moss <[email protected]<mailto:[email protected]>> wrote: Mandeep: I am George Burns’ partner and with him represent Kelvin Yan. I know you and George spoke the other day and I believe all agree that it is time for our clients to close out their business relationship, with your clients retaining Load Karma for an agreed consideration, and resolving outstanding obligations that could create personal liability for any party. To do so, there’s a number of outstanding issues, of which I am aware of at least the following. This list may be a helpful checklist for you to discuss with your clients and solicit their proposal to resolve all these matters. Feel free to reach out for any required clarification, but I believe this summary will be sufficient for them to explain same to you. Load Karma is the company in which the two sides hold roughly similar ownership stakes, which I understand your clients wish to retain, acquiring Kelvin’s interest for some fair consideration. It has several outstanding financial liabilities: 1. Recent factoring agreement (last I heard it had either been cancelled, or at least not drawn upon): 2. Quickbooks WebBank Note: $25,000 outstanding 3. Quickbooks LOC: $40,000 outstanding 4. Tesla TD Auto Finance: $30,000 outstanding (Jas’ car) 5. Kanex Pro (Kelvin’s company) Remaining balance of $48,000 6. Dialsight (Vivek’s company): $50,000 obligation 7. American Express CC balance 8. Bank of America CC balance Real Estate: Property in the name of Haven 9377 LLC is burdened with an SBA Loan obligation in name of Load Karma, with $965,000 outstanding, guaranteed by Vivek. It’s my understanding that under the current negotiations, Kelvin would be acquiring your clients’ interest. Accounts Receivable: $2m in outstanding AR, although recovery is unlikely from MS International ($328,000), and there are insider debt obligations claimed by Load Konnect ($8,000) and Abacus transport ($15,000) MS International Claim for approximately $930,000, last settlement demand was $650,000: Address claim and representation of company Dialsight a company owned by Vivek, which owns the IP rights to software used by Load Karma, for which a license must be negotiated. After you have had a chance to discuss this list with your clients, please reach out to me or George with your clients’ positions. Thank you, Vicky Moss Victoria E. Moss Burns & Moss 620 Newport Center Drive Suite 600 Newport Beach, CA 92660 Tel: (949) 263-6777 -- Mandeep S. Rupal Attorney at Law Rupal Law 4740 Green River Road, Suite 209 Corona, CA 92878 Office (951) 460-0830 Cell (951) 241-2571 www.rupallaw.com<http://www.rupallaw.com> CONFIDENTIALITY NOTICE: This e-mail and any files attached may contain confidential information that is legally privileged. If you are not the intended recipient, or a person responsible for delivering it, you are hereby notified that any disclosure, copying, distribution or use of any of the information contained in or attached to this transmission is STRICTLY PROHIBITED. If you have received this transmission in error, please destroy the original transmission and its attachments without reading or saving in any manner. FOR COUNSEL: The contents of this e-mail and any attachments hereto are not intended to be admissible in any litigation or arbitration proceeding, and the provisions of California Evidence Code § 1152 are hereby invoked. FOR POTENTIAL CLIENTS: Nothing contained herein should be construed as creating or intending to create an attorney-client relationship. Any and all communications are undertaken in an effort to evaluate potential claims and determine if our firm will be able or is interested in representing you. Unless and until a formal retainer agreement has been fully executed between Law Office of Mandeep S. Rupal, APC and yourself, we will not take any action on your behalf. Most cases have time deadlines or "statutes of limitations" limiting the amount of time a plaintiff has in which to file a lawsuit or a charge with the appropriate agency such as the Department of Fair Employment and Housing, the Equal Employment Opportunity Commission, the California Department of Labor, or some other agency. Therefore, you should immediately contact another attorney if you have an approaching deadline and we have not yet signed a contract agreeing to represent you.