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WEBB SANDERS & WILLIAMS PLLC 363 NORTH BROADWAY P.O. BOX 496 TUPELO, MS 38802-0496 PHONE (662) 844-2137 FAX (662) 842-3863 45 Hardy Court, Suite 164 Gulfport, MS 39507 PHONE (228) 822-2137 www.webbsanders.com E-Mail Address: info@webbsanders.com Martindale-Hubbell Law Directory - - - AV Rating Bar Register of Preeminent Lawyers Member of the Claims and Litigation Management Alliance General Insurance and Corporate Defense including Auto, Property, Fire, First Party and Bad Faith, Special Investigations, Products Liability, Medical and Other Professional Malpractice, Workers Compensation, General Civil Practice, Trials and Appeals before all State and Federal Courts, State and Federal Agency Practice, Corporate and Commercial Law and Litigation, Commercial Real Estate, Transportation, Environmental Law, Toxic Torts, Bankruptcy and Creditor s Rights, Labor and Employment, Title VII and ERISA Defense, Construction and Fidelity and Surety, Coverage Analysis and Litigation. DAN W. WEBB AV Pre-Eminent in Martindale Hubbell over 25 years; Board Certified Civil Trial Advocate by the National Board of Trial Advocacy, an American Bar Association Accredited Organization. Board Certified Civil Pretrial Practice Advocate by the National Board of Civil Pretrial Practice Advocacy (a Division of the National Board of Legal Specialty Certification). Certified Litigation Management Professional from Claims and Litigation Management Alliance; Super Lawyer in Insurance Coverage (2007-2015). PRACTICE VENUES: Mississippi; United States Supreme Court; United States Courts of Appeals Fifth and Eleventh Circuits; United States District Courts for the Northern and Southern Districts of Mississippi; United States District Court for the Western District of Tennessee; United States District Court for the Eastern District of Michigan. PRACTICE AREAS: General Insurance and Corporate Litigation; Products Liability Defense; Insurance Coverage Law and Litigation; Fraud and Arson Defense and Special Investigations; Bad Faith and Institutional Defense; Automobile Liability and Uninsured Motorist Defense; Workers Compensation Defense; Commercial Litigation; Agency and Broker Professional Liability Claims; Mediation (Certified Mediator); Expert Witness on Insurance. Education: University of Mississippi School of Law (J.D., Valedictorian, with distinction, 1976); University of Southern California (M.S., 1974); University of Southern Mississippi (B.S., 1971); Phi Delta Phi; Omicron Delta Kappa; Phi Kappa Phi; Phi Delta Phi Outstanding First Year Student Award; Articles Editor, Mississippi Law Journal (1976); Law clerk, Honorable William C. Keady, Chief Judge, U. S. District Court for the Northern District of Mississippi (1977-79); Litigation Management Institute at Columbia Law School Formulated by the Claims and Litigation Management Alliance (2011). {937865.DOC}

Presentations: Ethics: Sources, Relationships and Reality, Ole Miss Insurance Symposium, Oxford, Mississippi (2013); Mississippi Insurance Law: Key Points and Strategies, Sentry Insurance, Goldsboro, North Carolina (2012); SIU: More than a Background Check or Surveillance, Claims & Litigation Management Alliance, Tupelo, Mississippi (2012); Insurance Fraud Initiatives, Council on Litigation Management, Tupelo, Mississippi (2011); Insurance Law Update, The Republic Group, Dallas, Texas (2011); Avoiding and Defending Bad Faith Best Claims and Litigation Strategy, Council on Litigation Management, Birmingham, AL (2010); If Chinese Drywall Covers the Walls, Are Those Walls Covered? Joint Seminar of the Mississippi Claims Association and the Mississippi Defense Lawyers Association, Flowood, Mississippi (2009); Fundamentals of Litigation Management and Related Topics, GEICO, Macon, Georgia (2009); Fundamentals of Litigation Management, Council on Litigation Management, Columbus, Ohio (2009); Opening Statements, Trial Practice Academy, Mississippi Defense Lawyers Association, Oxford, Mississippi (2007); Venue, Joinder, Intrastate Forum Non Conveniens and Other Issues, Eighth Annual Trial Practice Seminar, Prentiss County Mississippi Bar Association (2007); Coverage Issues/Claim Handling, PIA/MCA Convention Continuing Education (2005); Tort Reform in Mississippi, Mississippi State University Insurance Day, Starkville, Mississippi (2002); Gramm-Leach- Bliley Privacy Act: An Overview of Compliance Obligations and Questions Left Unanswered Under the Act, Loss Control Issues: How to Recognize Potential Problems From Both an Agency and Claims Standpoint, and Bad Faith: It Is Best to Avoid It, Here s How, Continuing Education Seminar for the Professional Insurance Agents of Mississippi/Mississippi Claims Annual Convention, Orange Beach, Alabama (2001); Update on Ethics Opinions in Mississippi, Mississippi Defense Lawyers Association Southern Regional Meeting (2000); Recent Developments in Mississippi Insurance Law, Ole Miss Insurance Symposium, Oxford, Mississippi (2000); Update on Insurance Law Developments, University of Mississippi Insurance Symposium (2000); Constitutional Issues Raised by the Mississippi Tort Claims Act, Mississippi Governmental Tort Immunity Seminar (1998); Counsel in bad faith/arson/insurance fraud mock trial for the Mississippi Fire Investigators Association Fire and Arson School (1997); Legal Implications of Current Version of National Fire Protection Association 921, State Farm Insurance Companies Special Investigative Unit Workshop, Birmingham, Alabama (1996); Defense of Fire, Fraud and Bad Faith, Mississippi State University College of Business and Industry (1994); Defense Counsel in bad faith/arson/insurance fraud mock trial for State Farm Fire and Casualty Company's Advanced Claim School (1993); Insurance Defense Issues and Recent Developments, Mississippi Claims Association State Convention (1992); Insurance Defense Issues in Mississippi, Safeco Insurance Company, Nashville, Tennessee (1987); First Party Bad Faith Defense, Southern Farm Bureau Insurance Companies (1985); Arson and Fraud Defense in Mississippi, State Farm Fire and Casualty Company (1984). Publications: Ethics: Sources, Relationships and Reality, Seminar Publication (2013); Fighting Back How Detection and Prevention Can Avoid the High Cost of Insurance Fraud, Litigation Management Magazine, Summer 2011 (Co-Author); Monograph: Venue, Joinder, Intrastate Forum Non Conveniens and Other Issues Related to Where the Chickens Can Insist the Other Chickens Come to Roost, Perspective From the Bench and the Bar (2007); United States Supreme Court Holds Punitive Damages Award in Insurance Bad Faith Case Excessive and Violative of the Fourteenth Amendment to the United States Constitution, The MDLA Quarterly, Vol. 27, No. 2 (Co-Author) (2003); Y2K - Klear? Konfusing? The MDLA Quarterly, Vol. 23, No. 4 (Co-Author) (1999); Ethical Prohibition on Third Party Audits and Other Related Issues, The MDLA Quarterly, Vol. 23, No. 2 (Co-Author)(1999); Constitutional Issues Raised by the Mississippi Tort Claims Act (Co-Author) (1998); The Legal Burden of Proof Implications of NFPA 921 Should be Removed, National Fire and Arson Report, Vol. 14, No. 3, September 1996; Unanimous Verdict for Insurer in Civil Arson Case in 'Clear and Convincing' Jurisdiction," National Fire and Arson Report, Vol. 13, No. 3, Page 18, September 1995; Monograph: "Constitutional Arguments Against the Assessment of Punitive Damages," The MDLA Quarterly (Dec. 1989). Member: Mississippi Bar Association (Mississippi State Bar Delegate to Judicial Conference of Fifth Circuit (1984-86)(Ethics Committee Vice Chairman 1990); Mississippi Claims Association (2001), Mississippi Claims Association Legal/Legislative Committee Chair (2001); University of Mississippi Risk Management and Insurance Advisory Board (2000-2014) (Outstanding Supporter Award, 2008): Chairman-Elect (2003), Chairman (2004-2005), Distinguished Service Award (2005); University of Mississippi Insurance Symposium Chairman (2005); Mississippi Defense Lawyers Association (President 2000; President-Elect 1999; Secretary/Treasurer 1998; Editor of The MDLA Quarterly 1998; Co-Editor of The MDLA Quarterly 1999; Board of Directors 1994-1998; Chairman, MDLA, Northeast Mississippi Regional Committee 1989, 1991, 1992;; Distinguished Service Award 2000); Defense Research Institute; Bar Association of the Fifth Federal Circuit; Federal Bar Association; National Fire Protection Association; International Association of Arson Investigators, Inc.; Mississippi Fire Investigators Association; Association of Defense Trial Attorneys; Professional Insurance Agents of Mississippi; Outstanding {937865.DOC}2

Lawyers of America; Mid-South Super Lawyer in Insurance Coverage (2007-2014); ABA Advisory Panel (2008-2009); Claims and Litigation Management Alliance (CLM); CLM Insurance Fraud Committee (2010-2014), Founding Co-Chair (2010); CLM Insurance Bad Faith Committee (2010-2014), Co-Chair for Region 5 Mississippi and Louisiana (2010-2012); Who s Who in Mississippi Law; Top Rated Lawyer In Insurance Law (2014); International Association of Defense Counsel; [United States Air Force, active duty 1971-1974]. B. WAYNE WILLIAMS PRACTICE VENUES: Mississippi; United States Court of Appeals Fifth Circuit; United States District Courts for the Northern and Southern Districts of Mississippi. PRACTICE AREAS: General Insurance; Corporate Defense; Construction Law; Bad Faith Defense; Insurance Coverage; Products Liability Litigation; Insurance Coverage Litigation; Premises Liability Defense; Automobile Liability; Underinsured/Uninsured Motorist Defense; Personal Injury Defense; Alternative Dispute Resolution. Education: University of Mississippi School of Law (J.D., 1993); University of Miami, Coral Gables, Florida (B.M, 1990); Fraternities: Phi Delta Phi. Member: Moot Court Board. Presentations: Mississippi Insurance Law: Uninsured Motorist Key Points and Strategies,, Sentry Insurance Company, Goldsboro, North Carolina (2014); Premises Liability, Council on Litigation Management, Charlotte, North Carolina (2013); Mississippi Insurance Law: Key Points and Strategies, Sentry Insurance, Goldsboro, North Carolina (2012); Insurance Law Update, Harleysville Insurance Company (2011); Case Assessment & Evaluation, Council on Litigation Management, Charlotte, North Carolina (2010); Hands-On Mock Trial, Council on Litigation Management, Columbus, Ohio (2010); Reservation of Rights and Insured s Right to Personal Counsel, Council on Litigation Management, Charlotte, North Carolina (2010); Fundamentals of Litigation Management and Related Topics, GEICO, Macon, Georgia (2009); Fundamentals of Litigation Management, Case Assessment & Evaluation, Council on Litigation Management, Charlotte, North Carolina (2009), Richmond, Virginia (2009); Update on Uninsured/underinsured Motorist Law, Metropolitan Insurance Company (2007); Coverage and Claims in the Wake of Katrina, University of Mississippi Insurance Symposium (2006); UM/UIM Coverage Updates and Subrogation Issues, Legal Issues and Insurance Claims Presented by Mold, Professional Insurance Agents of Mississippi/Mississippi Claims Association Annual Convention, Orange Beach, Alabama (2005); Solving Water Intrusion & Mold Problems, Lorman Education Services, Jackson, Mississippi (2003), Tupelo, Mississippi (2003); Recent Developments in Mississippi Law, Sentry Claims Service/Dairyland Insurance Company Seminar, Richmond, Virginia (2002); Errors and Omissions Claims: How to Avoid E and O Claims and How Courts Deal With E and O Claims Once Presented, Loss Control Issues: How to Recognize Potential Problems From Both an Agency and Claims Standpoint, and Bad Faith: It Is Best to Avoid It, Here s How, Continuing Education Seminar for the Professional Insurance Agents of Mississippi/Mississippi Claims Association Annual Convention, Orange Beach, Alabama (2001); Amended Rule 57 and Implications on Discovery, Safeco Insurance Companies, Jackson, Mississippi (2001); Construction Litigation and Amended Rule 57 Implications, Mississippi State University Insurance Day, Starkville, Mississippi (2001); Amended Rule 57 and Other Developments in Mississippi Insurance Law, Sentry Claims Service/Dairyland Insurance Company Seminar, Richmond, Virginia (2001); Recent Developments in Mississippi Law, Barristers, Booneville, Mississippi (2000); Recent Developments in Mississippi Law, Barristers, Booneville, Mississippi (1996). Member: Mississippi Bar Association; Federal Bar Association; Bar Association of the Fifth Federal Circuit; Mississippi Defense Lawyers Association (Board of Directors, District I 2000-2002); Lee County Bar Association; Association of Defense Trial Attorneys; Mississippi Claims Association; Claims and Litigation Management Alliance (CLM); Claims and Litigation Management Alliance Products Liability Committee (2011-2012); Claims and Litigation Management Alliance Automotive/Recreational Vehicle Subcommittee (2011-2012); Claims and Litigation Management Alliance Premises Liability Committee (2011-2012); Mid-South Super Lawyer (2011, 2013-2015). {937865.DOC}3

ROECHELLE R. MORGAN (needs updated info) Districts of Mississippi; United States Court of Appeals Fifth Circuit; Tennessee; United States District Court for the Western District of Tennessee; Oklahoma; United States District Courts for the Northern and Eastern Districts of Oklahoma; United States District Court for the Eastern District of Michigan. PRACTICE AREAS: First Party Coverage Litigation and Evaluation; Labor & Employment Litigation; Professional Liability; Automobile Liability; Premises Liability Defense; Construction Litigation; Environmental Law; Products Liability Defense; Commercial and Business Torts Litigation. Education: University of Tulsa College of Law (J.D., 1998); University of Southern Mississippi (M.S., 1994); University of Mississippi (B.A., 1993); Phi Delta Phi; Environmental Law Journal, staff (1996-1997). Presentations: Insurance Law Update, The Republic Group, Dallas, Texas (2011); Litigation 101, Council on Litigation Management, Sun Prairie, Wisconsin (2009); Fundamentals of Litigation Management and Related Topics, GEICO, Macon, Georgia (2009); Fundamentals of Litigation Management, Council on Litigation Management, Columbus, Ohio (2009); Update on Uninsured/underinsured Motorist Law, Metropolitan Insurance Company (2007); Coverage and Claims in the Wake of Katrina, University of Mississippi Insurance Symposium (2006); Summary of Mississippi Insurance Coverage Law, PIA/MCA Convention Continuing Education (2005). Member: Mississippi Bar Association; Tennessee Bar Association; Bar Association of the Fifth Federal Circuit; Mississippi Defense Lawyers Association; Defense Research Institute; Oklahoma Bar Association; Claims and Litigation Management Alliance (CLM); Claims and Litigation Management Alliance Professional Liability Committee (2010); Claims and Litigation Management Alliance Employment Practices Committee (2010); Mid-South Rising Star in Insurance Coverage (2010-2012). PAUL N. JENKINS, JR. Districts of Mississippi; United States Court of Appeals Fifth Circuit. PRACTICE AREAS: Insurance Defense; Insurance Coverage Law; General Civil Litigation; Bad Faith Defense; Premises Liability Defense; Products Liability Defense; Commercial and Business Torts Litigation; First Party Defense Litigation; Fire and Casualty Litigation; SIU (Arson and Fraud). Education: University of Mississippi School of Law (J.D., 2000); University of Mississippi (B.B.A., 1997). Member: Mississippi Bar Association; Bar Association of the Fifth Federal Circuit; Lee County Young Lawyers Association (Vice President 2000; Secretary/Treasurer 2001-2002; President 2001); Mississippi Defense Lawyers Association; Defense Research Institute; [United States Marine Corps 1989-1994]. NORMA CARR RUFF Districts of Mississippi; United States Court of Appeals Fifth Circuit; United States Bankruptcy Court for Northern and Southern Districts of Mississippi. {937865.DOC}4

PRACTICE AREAS: Commercial Finance and Recovery; Commercial Contracts; Commercial Disputes and Litigation; Business Planning and Transactions; Corporate Governance; General Business Counsel; Representation of Creditors in Bankruptcy; Insurance Defense; Insurance Coverage Law. Education: University of Mississippi School of Law (J.D., 1982); Mississippi State University (B.A., 1980). Member: Mississippi Bar Association; Mississippi Women Law Association, Mississippi Defense Lawyers Association J. WAYNE DOSS, JR. Districts of Mississippi; United States Court of Appeals Fifth Circuit. PRACTICE AREAS: Complex Commercial Litigation; First and Third Party Insurance Defense; Arson/SIU; Commercial Litigation; Construction Law; Premises Liability; Estate Planning and Probate Litigation; White Collar Crime; Workers Compensation Law; Corporate Law; Divorce Litigation and Family Law. Education: University of Florida School of Law (J.D., with honors, 2001); University of Mississippi (B.B.A., Economics, 1998) magna cum laude. Presentations: The Probate Process From Start to Finish, National Business Institute, Olive Branch, Mississippi (2014); Estate Administration Procedures: Why Each Step Is Important, National Business Institute, Tupelo, Mississippi and Gulfport, Mississippi (2011); If Chinese Drywall Covers the Walls, Are Those Walls Covered? Joint Seminar of the Mississippi Claims Association and the Mississippi Defense Lawyers Association, Flowood, Mississippi (2009). Member: Mississippi Bar Association; Lee County Bar Association (Past President); Lee County Young Lawyers Association (Past President); Secretary/Treasurer 2008-2010); Mississippi Defense Lawyers Association; Bar Association of the Fifth Federal Circuit. CATHERINE C. SERVATI Practice Venues: Mississippi; United States District Court for the Northern and Southern Districts of Mississippi Practice Areas: Insurance Defense; Insurance Coverage Law; General Civil Litigation; Bad Faith Defense; Premises Liability Defense; Products Liability Defense; Commercial and Business Torts Litigation Education: University of Mississippi School of Law (J.D., 2013) magna cum laude, Phi Kappa Phi, Phi Delta Phi; University of Mississippi (B.A., 2009) magna cum laude, Phi Beta Kappa Member: American Bar Association, Mississippi Bar Association, Mississippi Defense Lawyers Association, Lee County Bar Association, Mississippi Bar s Women in the Profession Committee member {937865.DOC}5