Kelvin: I’m out of town today and tomorrow. My primary questions: 1 how much money is in your company bank account, 2 can the brothers transfer it, and 3 can you move it to an account they cannot reach? Because I have seen this story many times before, and if there’s any significant cash that they can steal, they will, and I suggest you move it immediately. We can deal with the rest next week. George On Oct 16, 2025, at 8:17 PM, Kelvin Yan <[email protected]> wrote:  George and Vicky, Apology for the long email in advance. It was good to meet with Vicky today. As Vivek disclosures to me the brothers has expressed they want to recruit him to a new company and bring customers over as they know I am working on a legal stands against them. With this in mind what options do we have to prevent them from doing more shady things during this legal process including stopping them from accounts payable or transferring money or business out? I have primary admin access to block them from Quickbooks, Bofa CashPro for vendor AP. I can with Anthony handle AP to vendors and collections in the meantime. I am gathering an organization chart of our India staff to continue business temporary as well can remove their access from TMS. Karam and Sapna(Legal name GAGANDEEP K KOCHHAR own/runs Zams Financials who does all the AP/AR book keeping and tax filing for all their companies which Load Karma pays 8k monthly as a vendor) holds the commission and kickback(Hourse Foods and many others I am not aware of) report very closely and will not share as many times I ask through the last 3 years. I am thinking to bring claims against Load Konnect, Abacus Transport, Zams Financials, MedKarma(own/run by Jas and Karam )for $3 million for damages using Load Karma to illegally double book Load Konnect loads with no profits to Load Karma, using Load Karma resources(salary dispatchers, agents, accounting, TMS software technology), using Load Karma cash to fund their operations while not paying their invoices to Load Karma until I wrote them a demand email. Stealing customers and moving profits to Load Konnect while bringing illegal kickback claims to Load Karma. Load Konnect double booked 880k USD loads to Load Karma with no profits last 2 1/2 years base on the AR summary report attached. With an estimate 50% margin I estimate they profited over 500k USD and take no risk in cash/capital or operations. 1 million for legal liabilities to MSI, 1 million for Load Karma missed profits and operation use, 1 million to handle House Foods potential claims. I have attached a screen shoot of excel list that Anthony is working on that shows 0 profit for every load Load Konnect use Load Karma for with full documents to back it up. Again that are thousands of loads he is gathering with supporting documents proof. He has identified some that are MSI and House Foods directly which they move profits to Load Konnect from direct Load Karma customers at the same time create illegal kickbacks liabilities back to Load Karma. I am thinking to strip there voting rights and director position at the same time relief them of their duties/roles while Vivek and I sort everything out(not confirm just thinking as I am reviewing financial models of possible outcome.). Stop business with House Foods until further notice. Obtain Karam kickback report file is important and how they are paying kickbacks and themselves. Karam has a 120k w2 salary with commission but he said he has stop his commission to help company but I know this is BS and feel he found another way to pay himself or other in his family through the kickback scheme and from Load Konnect. Jas has a 50k w2 and has a COO title/role but has not done anything last 2 years. He has agree to go off payroll and just be silent shareholder while running MedKarma. Vivek told me they said they will run and open another company with different people names(cousins, family etc). They have no money to pay anything. What do I want or think is best? From the bringing I have express to them I wanted to take this company public and raise capital to build a service business that disrupt the industry without the stigma of frauds, scams, double broker etc. Investing in building our own TMS platform to use and resell. Develop “Load Assurance” service for shippers to purchase insurance on demand per load for lost, stolen, accidents, fraud scam etc. Resell our TMS platform for other brokers to subscript. We have investing 300k to build our TMS platform for loads management with Vivek heading this. If I force the brothers out and make them pay damages the sales will be cut in half immediately and operations will freeze temporary due to India agents and operations there. I can restructure to hire locally with Vivek and new sales agent. Close down India operations, stop funding 25k monthly to Load Karma Innovations which was open by Jaspreet in which I have no oversight or bank access. It will be a big challenge for me but with Vivek to help I am considering. The problems are the pending legal claims from MSI and others I foresee coming. Over lunch I discuss some options to Vivek including taking over Load Karma to restructure to position itself for sell or walk away with a buy out and invest the money into another company I have iolo Capital which has hedge funds that need Vivek to articulate technology stacks to build algorithm and quantitative trading while I focus on raising capital for the funds. Either way the brothers will not run Load Karma without Vivek and he does not want to stay in business with them as he as express to me and Vicky today. Vivek keeps insisting that both of us do something else together which I fully trust him and have the same aligning in ethics, integrity and engineering minds. I have attached a response from Sunita as well. Not sure how to handle this without another lawyer for Load Karma. I want to replace Sunita. Any recommendation or advise? Kelvin From: Victoria Moss <[email protected]> Date: Wednesday, October 15, 2025 at 7:59 PM To: Kelvin Yan <[email protected]> Cc: George Burns <[email protected]> Subject: Re: Sunita MSI Case Kelvin See you tomorrow. Vicky On Oct 15, 2025, at 7:46 PM, Kelvin Yan <[email protected]> wrote:  Vicky, I can be at your office tomorrow morning 10am if this works for you. I have many documents and files for the legal claims showing transactions between Load Karma as vendor to Load Konnect as customer with zero profits while using Load Karma carriers/trucking to double book Load Konnect customers(which are Load Karma customers as well MSI, House Foods) loads. At the same time leaving the carrier/trucking bill for Load Karma to pay which cause cash/payment issues when Load Konnect are very late to pay back Load Karma zero profit invoices. I believe but not yet verified we also have to pay commission to the agent that book these fake double brokerage loads with no profits. There are hundreds if not thousands of transactions like these which my staff accountant is working for KanexPro is gathering all supporting documents. I will bring few we found today to our meeting. The rest will be digitally organized. I am still not sure how kickbacks are done by Karam scheme. I assume he moves MSI, House Foods loads to Load Konnect and make profit margins, commission and kickback to MSI, House Foods people. Which MSI found out and brought legal claims to Load Karma and Load Konnect. I think we need to issue discovery on the following companies Jaspreet, Karam + wife Sapna formed and operating after Load Karma. Load Connect Inc Abacus Transport LLC Zams Financials MedKarma Also I’ve also attached Sunita respond email since you were not on the CC. Kelvin From: Victoria Moss <[email protected]> Date: Tuesday, October 14, 2025 at 11:24 AM To: Kelvin Yan <[email protected]>, George Burns <[email protected]> Subject: RE: Sunita MSI Case Kelvin, Thank you. I am available all day on Thursday, until 4pm. So whatever works for you will work for me. V Victoria E. Moss BURNS & MOSS 620 Newport Center Drive, Suite 600 Newport Beach, CA 92660 Telephone: (949) 263-6777 Facsimile: (949) 263-6780 E-mail: [email protected]<mailto:[email protected]> From: Kelvin Yan <[email protected]> Sent: Tuesday, October 14, 2025 11:17 AM To: George Burns <[email protected]> Cc: Victoria Moss <[email protected]> Subject: Re: Sunita MSI Case Approve and agree I will confirm my Thursday availability soon Kelvin On Oct 14, 2025, at 10:54 AM, George Burns <[email protected]<mailto:[email protected]>> wrote:  Kelvin: Per our call, please confirm or comment. 1. I propose to send Sunita the following email: “I represent Kelvin Yan, who has provided me with a copy of your proposed letter to counsel for MSI. Kelvin, as President of Load Karma, instructs that no correspondence to counsel for MSI should make any factual representations whatsoever. To be clear, whatever financial offer the company chooses to make to MSI is up to your and Kelvin’s private discussion, and my office is not involved in any of that. Please respond to the following requests: Please send me any engagement agreement you have with Load Karma. You also appear to be acting as counsel for Load Konnect. If that is the case, then you are apparently jointly representing these two companies. Please confirm whether you are, and if so, please provide any engagement agreement. Please also provide to Kelvin, as the President of your client Load Karma, any financial information concerning Load Konnect that has been provided to you by that company or its principals.” 1. I suggest that you and Vicky meet at our office on Thursday morning to review the source documents you are researching, including representative checks and corresponding invoices, and a full QB history, showing the financial transactions between Load Karma and Load Konnect, and between Load Karma and Abacus Transport, LLC. 1. I would then prepare and send you a draft demand letter to the Singh brothers, likely by Tuesday, setting out the record of their wrongful conduct, threatening to sue, and making demands as you and I will further discuss in preparing the draft. Agreed? George George S. Burns Burns & Moss 620 Newport Center Drive Suite 600 Newport Beach, CA 92660 Tel: (949) 263-6777 From: Kelvin Yan <[email protected]<mailto:[email protected]>> Sent: Tuesday, October 14, 2025 1:12 AM To: George Burns <[email protected]<mailto:[email protected]>>; Victoria Moss <[email protected]<mailto:[email protected]>> Subject: Re: Sunita MSI Case Her new proposed draft letter to MSI attached. Knowing more of Load Konnect in this case is essential. Can Load Karma use this case to request financials from Load Konnect since both parties are part of the same MSI claim. Also I don’t think she has the signed NDA between Load Karma and MSI because I ask for it and she sent the draft Load Konnect MSI NDA. Kelvin From: Kelvin Yan <[email protected]<mailto:[email protected]>> Date: Monday, October 13, 2025 at 9:11 PM To: George Burns <[email protected]<mailto:[email protected]>>, Victoria Moss <[email protected]<mailto:[email protected]>> Subject: Re: Sunita MSI Case Email sent and attached From: George Burns <[email protected]<mailto:[email protected]>> Date: Monday, October 13, 2025 at 7:31 PM To: Kelvin Yan <[email protected]<mailto:[email protected]>>, Victoria Moss <[email protected]<mailto:[email protected]>> Subject: RE: Sunita MSI Case Kelvin: Please send Sunita an email now: “Sunita: I do not authorize that to be sent. I will write you further instructions tomorrow.” Write no more than that, but I want to be sure she does not treat your silence as acquiescence. Here’s why. That proposed email states that: “LoadKarma had no knowledge that Mr. Sandeep G. was an employee of MSI when his services were engaged.” Really? The other shareholders did not know that? And exactly what investigation did Sunita do to determine that is a true admission? Because I bet they did know, and if you allow company counsel to make that representation, it would be an admission by the company that no corporate principal knew that Mr. Sandeep was an MSI employee. Because I intend to accuse the other shareholders of knowingly bribing Mr. Sandeep, putting the company in danger, and I do not want you to authorize company counsel to give an admission to the contrary, particularly an admission that I do not have any reason to believe to be true. And MSI would not believe nor care about any such statement. They just want money. So what is the point of making that representation? Let’s talk tomorrow. G George S. Burns Burns & Moss 620 Newport Center Drive Suite 600 Newport Beach, CA 92660 Tel: (949) 263-6777 From: Kelvin Yan <[email protected]<mailto:[email protected]>> Sent: Monday, October 13, 2025 7:11 PM To: George Burns <[email protected]<mailto:[email protected]>>; Victoria Moss <[email protected]<mailto:[email protected]>> Subject: Sunita MSI Case George and Vicky I have secured all QB backups, email archives, transactions details for Load Konnect, Abacus Transport. Sunita is expecting an approval of the draft below to be sent to MSI lawyer. Please advise or reach out to her directly Kelvin From: Sunita Kapoor <[email protected]<mailto:[email protected]>> Date: Monday, October 13, 2025 at 10:59 AM To: Kelvin Yan <[email protected]<mailto:[email protected]>> Cc: Karam Singh <[email protected]<mailto:[email protected]>> Subject: Re: MSI v. LoadKarma, INADMISSIBLE SETTLEMENT COMMUNICATIO Dear Kelvin, If possible, Please LMK by 4:30 pm.Thank You. Best Regards, Sunita Kapoor LL.M Law Offices of Sunita Kapoor 4115 Blackhawk Plaza Circle, Suite 100 Danville, CA 94506 Phone: 925-351-6789 Email: [email protected]<mailto:[email protected]> This e-mail message is for the sole use of the intended recipient(s) and may contain confidential and/or privileged information, including information protected by the attorney-client and/or attorney work product privileges. Any use, disclosure or distribution by anyone other than the intended recipient(s) is prohibited. If you are not an intended recipient, please contact the sender by reply and destroy all copies of the original message contents. Transmission and receipt times for any electronic communications to and from Sunita Kapoor and or The Law Offices of Sunita Kapoor are determined by the timestamps on the respective servers responsible for transmitting and storing said communications, subject to any necessary conversions to the Pacific timezone, where The Law Offices of Sunita Kapoor are located. Thank you. On Mon, Oct 13, 2025 at 10:47 AM Kelvin Yan <[email protected]<mailto:[email protected]>> wrote: Please give me later to approve and signed From: Sunita Kapoor <[email protected]<mailto:[email protected]>> Date: Monday, October 13, 2025 at 1:02 AM To: Kelvin Yan <[email protected]<mailto:[email protected]>>, Karam Singh <[email protected]<mailto:[email protected]>> Subject: MSI v. LoadKarma, INADMISSIBLE SETTLEMENT COMMUNICATIO Gentlemen, please review the attached draft below, and let me know if you would like to make any changes before I send it tomorrow. INADMISSIBLE SETTLEMENT COMMUNICATION (Pursuant to Cal. Evidence Code §§ 1152 / 1154 and Federal Rules of Evidence 408) October 13, 2025 David E. Outwater, Esq. Outwater & Pinckes, LLP 900 Roosevelt Irvine, CA 92620 Via Email only Via email only: [email protected]<mailto:[email protected]> Re: M S International, Inc. v. LoadKarma, Inc. Dear Mr. Outwater: Pursuant to Sections 2(c) and 2(d) of the Non-Disclosure Agreement (“NDA”) between M S International, Inc. (“MSI”) and LoadKarma, Inc. (“LoadKarma”), our client has undertaken a good-faith and diligent investigation to determine whether any payments were made, directly or indirectly, to MSI employees. On September 15, 2025, LoadKarma through its counsel, provided your office with the requested shipment data and related materials, including, excel spreadsheets detailing shipper and carrier information, shipment identifiers, freight payment data, and other relevant information. On September 16, LoadKarma also transmitted a zip file containing copies of the available Bills of Lading (BOLs). These BOLs were generated by MSI and given to drivers at the time of pickup or delivery—meaning MSI is already in possession of identical copies for all shipments coordinated through LoadKarma. To clarify a key issue: LoadKarma had no knowledge that Mr. Sandeep G. was an employee of MSI when his services were engaged. Mr. Sandeep G. represented himself as an independent freight broker with his own customer base. LoadKarma relied on those representations in good faith. There was no intention to bypass MSI’s internal protocols or gain any improper advantage. In an effort to move toward resolution and reaffirm its good-faith commitment, LoadKarma respectfully proposes the following: Without admitting any liability or wrongdoing, LoadKarma is willing to offer a $50,000 concession toward future business transactions with MSI provided MSI resumes commercial dealings with LoadKarma. This concession would be in the form of future mutually agreeable terms—not as a deduction from outstanding accounts receivable owed to LoadKarma for services already rendered. To that point, we respectfully request clarification on when LoadKarma can expect payment of its outstanding Account receivable balances , which remain due and payable. Prompt resolution of those outstanding amounts is necessary to ensure continued cooperation and business viability. LoadKarma has ceased all business dealings with Mr. Sandeep G. and remains committed to conducting all operations with the utmost integrity, compliance, and accountability. All MSI shipments previously managed by LoadKarma were delivered on time, without incident, and at competitive market rates—reflecting the company’s reliability and performance. LoadKarma values the relationship it built with MSI and would appreciate the opportunity to continue to earn MSI’s business under clear, transparent, and mutually respectful terms going forward. Thank you for your time and consideration. Sincerely, Sunita KapoorLL.M. Attorney for LoadKarma, Inc Sunita Kapoor LL.M Law Offices of Sunita Kapoor 4115 Blackhawk Plaza Circle, Suite 100<https://www.google.com/maps/search/4115+Blackhawk+Plaza+Circle,+Suite+100+%0D%0ADanville,+CA+94506?entry=gmail&source=g> Danville, CA 94506<https://www.google.com/maps/search/4115+Blackhawk+Plaza+Circle,+Suite+100+%0D%0ADanville,+CA+94506?entry=gmail&source=g> Phone: 925-351-6789 Email: [email protected]<mailto:[email protected]> This e-mail message is for the sole use of the intended recipient(s) and may contain confidential and/or privileged information, including information protected by the attorney-client and/or attorney work product privileges. Any use, disclosure or distribution by anyone other than the intended recipient(s) is prohibited. If you are not an intended recipient, please contact the sender by reply and destroy all copies of the original message contents. Transmission and receipt times for any electronic communications to and from Sunita Kapoor and or The Law Offices of Sunita Kapoor are determined by the timestamps on the respective servers responsible for transmitting and storing said communications, subject to any necessary conversions to the Pacific timezone, where The Law Offices of Sunita Kapoor are located. Thank you. <Fully Executed Fee Agreement Load Karma (1).pdf> <Response to Your Email Dated October 14, 2025.pdf> <Email received from David Outwater,.pdf> <SalesbyCustomerSummary-3.pdf> <Screenshot 2025-10-16 at 8.15.21 PM.png>