PROFESSIONAL DEVELOPMENT TRAINING
SYSTEMS FAILURE ANALYSIS
CODE COMPLIANCE ASSESSMENT
CONTRACT PERFORMANCE ANALYSIS
JOB SITE SAFETY
William F. Dexter
SUMMARY OF QUALIFICATIONS
Extensive experience from forty years active involvement in management and construction, performing financial risk analysis, contract negotiations, mitigation of subcontractor disputes, and project facilitation. Strong expertise in the areas of green building liability, job site accident research, analysis of foundation failures, stucco wall systems, soil subsidence, water intrusion, mold mitigation management and personal injury claims with exceptional skills in systems analysis. Equally strong background as litigation strategist in coordinating the efforts of engineers, consultants, subcontractors and building officials. Proven superior initiative in resolving complex problems requiring material testing, model building and computer data base analysis. Special Master for California Superior Court. Alternative dispute resolution skills as trained conflict mediator and former national panelist for the American Arbitration Association (AAA).
Published writer, author, industry spokesman, university lecturer and seminar leader for numerous national construction industry conventions. In-depth knowledge of industry standards, Cal/OSHA codes, CalGREEN codes, California Business & Professions Code, cost estimating, construction law and procedures combining "hands-on" field experience and Bachelor's degree in chemistry and physics. Proficient in construction cost estimating, data base analysis, financial and cost research through self-composed mathematical models. Licensed general contractor (inactive), Task Force adviser and member of the International Accreditation Services committee for "Commissioning Green Buildings", former director of The California Center for Construction Education at Cal Poly San Luis Obispo; consultant for the American Institute of Architects, customer service, project estimating, contracts and legal agreements and management training to the California and Nevada Contractors State License Boards and the Construction Specifications Institute. (E-mail Bill: firstname.lastname@example.org)
- Post-Graduate, Business Administration, Law, Architecture, Economics, Personnel Management, (1974-1996), California Polytechnic University, San Luis Obispo, CA, National Forensic Center Training Conference in Nashville, 1992. Graduate Level Architecture Research, 1996. The Cultural Renaissance of Cuba, Cal Poly, 2004. Architectural Research of Historical Building Methods and Materials.
- Military, Leadership, Management and Logistics Academy, Officers Candidate School (1968), Fort Benning, Georgia. Signal Officers Repair & Maintenance Facilities Management Course, (1969) Fort Monmouth, New Jersey.
- Bachelor's Degree, B.A., Chemistry-Physics, (1968), Indiana University, Bloomington, Indiana.
Commanding Officer, of 90 person, $42 Million Microwave and Tropospheric Scatter Communication Systems Maintenance and Supply Facility, held "Top Secret" clearance, Cam Rahn Bay, Republic of South Vietnam. Decorated veteran of Vietnam conflict, Presidential Bronze Star Recipient (1970), Army Commendation Medal (1969).
TRAINING, LECTURES, SEMINARS AND CONVENTION PROGRAMS
- Corporate Trainer, Kuwait Gulf Oil Company, “Evaluating Construction Claims and Dispute Resolution” Skills International, Marina Del Rey, November 28-29, 2011.
- Co-Presenter with Tony Smith, Esq., CSI Construct: Managing The Top Risks Facing Architects & Contractors in Sustainable Design Projects. 2011 and 2012, Chicago, IL
- Seminar Leader, National Association Of State Contractors Licensing Agencies: “Managing Consumer Complaints in Green Construction” August 24, 2011, Savannah, GA.
- Faculty US Green Building Council (USGBC), for course development: “The Risks, Rewards and Remedies of CalGreen Building” 2011 Internet Training.
- Academic Consultant for the International Business Conferences, Mumbai, India. Created the Infrastructure Management Program: "The Risks, Rewards and Remedies of Infrastructure Construction Activities." January 2011.
- “The Historical Restoration of Habana Vieja Case Study”, The American Institute of Architects, Washington, D.C. Research taking place in Havana, Cuba, January, 2009.
- Workshop Presenter: "Managing the Minefield: Identifying and Avoiding the Top Risks from Architectural Practices" The AIA Miami Design Technology Exposition 2008) Miami, Florida, March 1, 2008.
- Chair: EPIConnection.org Task Force planning conference for the American Institute of Architects Continuing Education System, Ventana Canyon Resort, Tucson, Arizona, March 30 - 31, 2007.
- Reviewer: American Institute of Architects, Article for 14th Edition, Architect's Handbook of Professional Practice, "Negotiating Agreement,” November 2006.
- Co-Presenter with M. Scott Radovich: Restoration Challenge: Case Study- Havana, Cuba. The 50th Annual CSI Show & Convention, Las Vegas, NV. March 30, 2006.
- Presenter: “Collaboration on Professional Continuing Education Programs” Association of Collegiate Schools of Architecture Convention, Salt Lake City, UT. March 29, 2006.
- Presenter: “A Living Architectural Museum: Exploring the Residences of Havana, Cuba” ASID South Florida Chapter. September 29, 2005, Boca Raton, Florida.• Seminar Leader: The Four M’s of Successful Pool Contractors, The Nevada State Contractors Board, Las Vegas, NV, August 30, 2005.
- Master of Ceremonies: AIA National Convention, Continuing Education Conference, Las Vegas, NV. (May 17-18, 2005).
- Trainer: “Customer Service: Before, During & After the Job,” The Associated General Contractors, Las Vegas Chapter. February, April 2005.
- Seminar Leader: A Living Architectural Museum: The Restoration of the Historic Buildings of Havana, Cuba, The American Institute of Architects, Miami, February 26, 2005, Miami, Florida.
- Trainer: “Providing Service to Fire Loss Victims.” The American Red Cross, The Salvation Army, Lutheran Disaster Response Services, Elder Help of San Diego, Jewish Family Services, July 9, 2004, San Diego, California.
- Advisor: Firestorm 2003 Recovery Committee: Creating “Scope of Loss” estimates for Palmer Canyon Insurance Claims. February 7 and May 1, 2004, Claremont, CA.
- “Customer Service: Before, During & After the Job,” The 2004 CSLB Lecture Series, PHCC, LA Fairplex, NRCA, San Diego Convention Center, Pool & Spa, Long Beach Convention Center, March and April 2004.
- Trainer: “Construction Contracts and Contract Law,” The Nevada State Contractors Board, enforcement staff with Mary S. Jones, January 29, 2004, Las Vegas, NV.
- Presenter: National Association of State Contractors’ Licensing Agencies: “The Role of Continuing Education for Contractors” September 11, 2003, San Diego, California.
- Seminar Selection Committee for the continuing education programs for the 2004 American Institute of Architects National Convention in San Diego. August 9, 2003, Washington, DC.
- Seminar Presenter: “Dealing with Day-to-Day Challenges” CSI Leadership University, Philadelphia, June 28, 2003.
- Presenter: Construction Specification Institute 2003 Convention, Chicago. “Righting The Perfect Contract: The Absolute Necessity of Defining Standards” April 10, 2003.
- Lecturer: New School of Architecture, “The Ultimate Leadership Attitude for Architects”. September 19, 2002, San Diego, California.
- Workshop Leader: Construction Specification Institute 2002 Convention, Las Vegas. “Modeling the Masters: The Ultimate Problem Solving Attitude” June 26, 2002.
- Chair, Task Force, American Institute of Architects “EPI Connection Project”. July 2002 through August, 2003, Washington, DC.
- Guest Lecturer, Cal Poly Human Resources Management Association: “The Evolving Culture of Leadership.” April 2002.
- Seminar Leader & Panel Moderator. Contractors State License Board 2002 Continuing Education: Free, Fast & Fascinating CE Seminars “Estimating as a Contract Exhibit” Santa Clara, Sacramento, Fresno, Van Nuys, Carlsbad, California. February-April, 2002.
- Presenter, Santa Ynez Valley Bar Association MCLE luncheon. “Modeling The Masters: Problem Solving Attitudes Within The Firm.” October 23, 2001.
- Seminar Presenter, AIA Tennessee, Nashville, TN, “Never Be Sued Again, Managing Disputes Within The Contract.”, “The Language of Leadership.” and “Six Steps of Separation from Construction Risks.” August 8 and 10, 2001.
- Workshop Leader, AIA National Convention, Denver, CO. “Modeling The Masters: Lessons From History’s Heroes: The Ultimate Problem Solving Attitudes.” May 16, 2001.
- MCLE Co-Presenter with Cal Poly Professor Don Swearingen, Century City Bar Association: “Reading Architectural Drawings as Contractual Documents.” Santa Monica, CA, March 31, 2001.
- Presenter, San Luis Obispo County Bar MCLE Fair: “Preparing Expert Witnesses for Deposition: An Expert’s Perspective.” January 26, 2001
- Speaker, Century City Bar Association MCLE Program. “Modeling The Masters: Problem Solving Attitudes Within The Firm.” October 26, 2000.
- Trainer, Contractors State License Board: “Free, Fast and Fascinating Contractor Ed Seminars” Using The Contract as a Recipe For Excellence. http://www.cslb.ca.gov/forms/clcfal2000.pdf January-March, 2001.
- Director of the California Center for Construction Education, College of Architecture & Environmental Design, Cal Poly University (1994-2000).
- Presenter, International Conference of Building Officials, Buellton, California. “The Building Inspector’s Role in Mitigating Construction Defects”, September 7, 2000.
- Co-Presenter, AIA National Convention, Philadelphia. “Managing the Top Professional Liabilities Through Transferring Risks to Others” May 4, 2000.
- Co-Presenter, CSI National Convention, Atlanta. “Pass It On: Transferring Risks of Standard Architectural Practices to Others” June 24, 2000.
- Presenter, AIA Tennessee Annual Convention. Workshop: “Mitigating & Transferring Risks,” August 2, 2000.
- Presenter, AIA Tennessee Annual Convention. “Problem Solving: Modeling The Masters,” August 3, 2000.
- Host and author of the Contractors State License Board television program: “Doing It Right: A Contractor’s Standard for Excellence”. Aired throughout California, May-June 2000.
- Speaker: Santa Maria Valley Contractors Association, “Implementing The California Contractors’ Code of Ethics.” July 26, 2000.
- Presenter, Damage Prevention Annual Convention, Long Beach, CA, “Managing Legal Risks for the Contractor”, December 1999.
- Juror, American Institute of Architects “National Awards for Excellence of Continuing Education Programs”, Washington, DC, November 15,16, 1999.
- Trainer, Contractors State License Board: “Avoid Being Sued: Managing Disputes Within the Contract”. San Diego, Rancho Mirage, Burlingame, Modesto, Eureka, CA (1999-00).
- Presenter, AIA National Convention, Dallas. “Going The Distance with Distance Education” May, 1999.
- Co-Chairman & Panelist, Providers Council Annual Program Committee for the American Institute of Architects Continuing Education System (1995-98).
- Presenter, AIA National Convention, San Francisco, “Watch Your Step, It’s A Mine Field: Managing the Top Three Legal Risks Facing Architects”, May 1998.
- Presenter, CSI Convention, Baltimore, MD, “Effective Team Building Within Your Firm” and “Managing The Top Three Legal Risks in Writing Specs”, June 1998.
- Trainer, Contractors State License Board’s Contractor Education Seminars: “Managing The Top Risks In Contracting”, Redding, Sacramento, San Diego, 1998-99. Audio program prepared for distribution through the Internet.
- Distance Learning Advisor, American Arbitration Association, Los Angeles, 1998.
- Presenter: “Creating Cost Estimates From Plans and Specifications” Santa Maria Valley Contractors Association, 1998, 1999.
- Presenter, Leadership Institute of San Luis Obispo High School, “Goal Setting, Paving The Road To Success”, “Breaking & Making Habits”, February 1998.
- Facilitator, College of Architecture & Environmental Design, Cal Poly, “Shaping The Future-CAED Strategic Planning”, October 1998.
- Lecturer, Alternative Dispute Resolution, Associated Students of Construction Management Conference, (1997-98).
- Speaker: "Professional Continuing Education On The Internet", The Association of Collegiate Schools of Architecture, Deans Conference, Jackson, MS, November 15, 1997.
- Facilitator, “Creating An Effective In-House Continuing Education System”, Hathaway-Dinwiddie Group, The Getty Center, Los Angeles, 1997.
- Co-Presenter, Construction Law & Contracts, Construction Business Practices Program, Cal Poly, (1997).
- Co-Presenter, "Becoming A More Effective Facilitator" AIA/CES, Seattle, WA, 1996, New Orleans, LA.,1997, and Santa Monica, CA, 1997.
- Presenter, AIA National Convention, Minneapolis, MN: "Presenting Quality Level CE Programs", "Using The Internet As A Virtual Classroom”, 1996.
- Keynote Speaker, Texas Society of Architects Annual Convention, San Antonio, TX, "A Creative Approach To Team Building", 1996.
- Keynote Speaker, Leadership Conference, "Leadership Through Vision", 1996.
- Construction Management Department, Faculty, Cal Poly University (1995-96).
- Keynote Speaker: 50th Anniversary of The College of Architecture and Environmental Design: "Leadership and Problem Solving", 1996.
- Presenter: Cal Poly Leadership Conference, "Leadership And Problem Solving” 1995-2000.
- Presenter, “Underground Locating Technology and The WWW”, The 1996 National Locating Technology Seminar, San Luis Obispo, California.
- Speaker, ICBO Central Coast Chapter: "Construction Defects in the 90's", September, 1996.
- MCLE Lecturer, "Reading Architectural Plans As Contractual Documents", Santa Monica, CA, 1996.
- University Guest Lecturer on Construction Management, Cal Poly (1992-00).
- Trainer, The Construction Supervisor Training Program, Associated General Contractors, Santa Maria, 1994.
- Minimum Continuing Law Education Lecturer for San Luis Obispo County Bar Association, "The Construction Defect Crisis", 1992-94.
- Seminar presenter on “Improving Subcontractor Relationships”, 1992 Pacific Coast Builders Conference, San Francisco, California.
ARTICLES, BOOKS AND PUBLICATIONS
- Author: "The Risks, Rewards and Remedies of Construction Activities" A 2-day workshop for the Indian Infrastructure Contractors, Mumbai, Chennai, Delhi, India (January, 2011).
- Co-author: “I'll Respect You in the Morning and Other Industry Standard Lies” (©2007, W.F. Dexter and M.S. Jones)
- Contributing Author: The Architects Handbook of Professional Practice, Update 2004, The American Institute of Architects, John Wiley & Sons, Inc., Hoboken, NJ.
- Co-author: “The Residential Contractor’s Guide to Effective Contracts” California Contractors State License Board, Nevada State Contractors Board (©2004, W.F. Dexter and M.S. Jones)
- Author of “Having It Built: A Consumer’s Guide Through The Maze of Purchasing Construction Services.”, Seminar & Book, 1993-08. Presented to fire victims after the Firestorm losses.
- Author: “Avoiding The Professional Liability Trap” Consulting-Specifying Engineer, June, 2002.
- Author & Television presenter of “Doing It Right: A Contractor’s Standard for Excellence” in conjunction with the Contractors State License Board. May, 2000.
- Author: “Let Client Indemnify Designer” Engineering News Record, McGraw-Hill, August 14, 2000. http://www.enr.com/new/viewpoint814.asp
- Author: “Stick With The Agreement” Consulting-Specifying Engineer, August, 2000, Cahners, Des Plaines, IL.
- Author: “Risk Management: A Mine Field” Consulting-Specifying Engineer, May, 1999, Cahners, Des Plaines, IL. http://www.buildingteam.com/applic/articles/c99e033.asp
- Contributing author: The American Institute of Architects “Continuing Education System Providers Guidebook,” 1996-1999.
- Author: “Engineer Cost Estimates: Guess or Guarantee” Consulting-Specifying Engineer, October 1998, Cahners http://www.buildingteam.com/applic/articles/c98j029.asp
- Author: “A Look at the Liability of Moonlighting” Consulting-Specifying Engineer, June 1998, Cahners, Des Plaines, IL http://www.buildingteam.com/applic/articles/c98f031.asp
- Co-Author: “Reducing the Risks of Contract-Required Certifications” Consulting-Specifying Engineer, June 1997, Cahners, Des Plaines, IL.
- Co-Author: “Making Skilled Legal Advice a Routine Part of an Engineering Practice” Consulting-Specifying Engineer, September 1997, Cahners, Des Plaines, IL. http://www.buildingteam.com/applic/articles/c97i027.asp
- Author of "Architects & The Law" An Internet AIA training program (1996-98).
- Author of “The CCCE Code of Ethics for Building Professionals” and “Fixin’ It Up, A Guide To Purchasing Construction Services.” Senior Magazine, San Luis Obispo.
- Contributor to Cahners Building Team Web Site: http://www.buildingteam.com
- Editor, The Light Gauge Steel Framing Training Manual, Joint Apprenticeship Training Committee Fund for Southern California, United Brotherhood of Carpenters. 1996-98.
- Co-Author: "Marketing Through Training, The Continuing Education Revolution", a five article series for Western Metal in Architecture, Stockton, California (1996-97).
- Book Proposal Reviewer for The Home Builders Press of The National Association of Home Builders, 1996.
- Author on risk assessment of seismic retrofit of unreinforced masonry buildings “Shakin’ Up Conventional Wisdom”, New Times, SLO, 1991-92.
DISPUTE RESOLUTION SERVICE & TRAINING
- Trained Mediator through Santa Cruz County Conflict Resolution Program.
- National Construction Panelist for the American Arbitration Association, 1992-2006.
- Mediator for San Luis Obispo Legal Alternatives Corporation.
- Mediator-Arbitrator for the Prudential Remediation Plan, AAA, 1998-2000.
- Special Master for San Luis Obispo County Superior Courts.
- Expert Consultant for California Contractors State License Board.
- Trainer, Conflict Resolution Skills for Construction Managers, Cal Poly State University.
- Member, Century City Bar Association, Los Angeles, California 90067.
- Appointed to the AIA/CES Auditor's Panel for Quality Assurance of Continuing Education Programs (October, 2007)
- Continuing education advisor to the American Institute of Architects. (1996-2007)
- Analysis of over 1,200 disputes for defective workmanship, material failure, code violation, personal injury and management negligence.
- Certified expert by the California Superior Court in areas of industry standards, cost estimating, foundation failure & integrity, all aspects of building waterproofing, job site injuries, safety practices and duties for construction production operations, the duties and responsibilities of general contractors and the forces they hire, Contractors State License Board requirements for home improvement operations.
- Litigation and risk management consultant for developers and insurance carriers involving analysis of compliance with legal and technical standards.
- Continuing Education Consultant and Advisor to the California and Nevada Contractors State License Board, Presenter: “Contractor Education Seminars”, 1998-06.
- Building Code and CalOSHA Assessment for wrongful death and “Slip & Fall” claims arising from lack of barriers and fall restraint measures, slippery floors, coefficient of friction testing and analysis, walking surface obstruction analysis, stair system compliance with codes for rise and run and handrail placement.
- Valuation of damages from flooding, soil subsidence, fire, structural failure from wood rot, mold contamination and inadequate structural connections and foundation placement.
- Repair analysis of roof systems failure.
- Investigation of concrete foundation integrity and site drainage.
- Training Consultant for major construction firm, providing continuing education plan and administration.
MANAGEMENT & CONSTRUCTION
(CSLB License: B-420037 (Inactive)
- Constructed commercial projects including: professional offices, savings bank offices, country club facilities, parking structures, retail stores, restaurants, vineyard and winery.
- "High-End" custom residential projects including remodels and new construction of multi-family and single family units (Contractor & Project Manager - 1982-1998).
- Reconstruction & Project Management of damaged structures from fire, water, material failure, soil movement, and structural member fatigue. (1984-1988).
- Member, International Code Conference, Central Coast Chapter (1992-2007)
STEVEN P. SANDS, REGISTRAR (Retired)
CONTRACTORS STATE LICENSE BOARD
9821 Business Park Drive, Sacramento, California 95827
THOMAS LOWTHER, Ed.S. CHAIRMAN
Alexandria, VA 22312
KATHY S. PROCTOR, FCSI, AIA, CDT, CHAIR
CONSTRUCTION SPECIFICATIONS INSTITUTE /
FORMER EDUCATION COORDINATOR,
COLLEGE OF ARCHITECTURE, UNIVERSITY OF TENNESSEE
MARY S. JONES, ESQUIRE, ADR SECTION CHAIR
BOARD OF GOVERNORS / DIRECTOR, CENTURY CITY BAR ASSOCIATION
Post Office Box 932, Malibu, California 90265-0931
DENNIS TORBETT, VICE PRESIDENT
HOME BUILDERS INSTITUTE, NATIONAL ASSOCIATION OF HOME BUILDERS
1090 Vermont Avenue NW, Washington, DC 20005
MARGI A. GREIN, EXECUTIVE OFFICER
NEVADA STATE CONTRACTORS BOARD
2310 Corporate Circle, Suite 200
Henderson, Nevada 89074
GIL COOKE, FACULTY
NEWSCHOOL OF ARCHITECTURE & DESIGN
1249 F Street, San Diego, California 92101
MICHAEL POWELL, VICE PRESIDENT
AMERICAN ARBITRATION ASSOCIATION
725 South Figueroa Street, 24th Floor
Los Angeles, CA 90017
CIVIC LEADERSHIP REFERENCES
Green Building Advisor, The National Association of State Contractors Licensing Agencies (2011)
Task Force, Chair, AIA: EPI-Connection, CES Project (2001-08)
Trainer – Advisor, Nevada State Contractors Board (2004-2005)
Trainer-Advisor, California Contractors State License Board (1998-06)
Special Master, San Luis Obispo and Los Angeles County Superior Court (1993-08)
Trainer, Consultant, Santa Maria Valley Contractors Association (1998-2003)
Director, Center for Construction Ethics, San Luis Obispo (2000-01)
Director, California Center for Construction Education, Cal Poly (1994-00)
Co-Founder, Leadership Institute, San Luis Obispo High School (1997-01)
Mediator, San Luis Obispo Legal Alternatives Corporation (1993-00)
Small Claims Court Mediator, Volunteer (1994-00)
Juror, American Institute of Architects CES Award of Excellence (1999)
Advisor, Distance Learning, American Arbitration Association (1995-99)
Co-Chairman, Providers Council, American Institute of Architects (1996-98)
Project Manager, Homeless Services “Peoples’ Kitchen” (1995-96)
Expert Consultant, Contractors State License Board (1993-99)
Training Advisor, San Luis Obispo County Builders Exchange (1993-95)
President, Pacheco School PTA, San Luis Obispo, California (1989-90)
Chairman, March of Dimes Jack LaLanne Golf Tournament (1988-89)
Scout/Cub Master, Santa Lucia Council, San Luis Obispo, California (1986)
President, Executives Association of San Luis Obispo, California (1985)
NATIONAL INDUSTRY PROGRAMS
The following national programs were originated by wfdexter.com in cooperation with government, industry and academic organizations.
- The Residential Contractor’s Guide to Effective Contracts, Nevada State License Board (2004)
- The EPIConnection: A collaborative program for providers of continuing education to the American Institute of Architects. (2003-08 Chair)
- The National Contractors’ Code of Ethics (CCCE, NSCB & CSLB)
- The National Business Practices Certificate Program for the National Association of State Contractors Licensing Agencies
Web Site Resources: www.wfdexter.com Risk management links and articles.
RATE SCHEDULE AND TERMS OF ENGAGEMENT
Retainer amount based as case details dictate, Please remit with initial paperwork.
Consulting, Dispute Resolution, Risk Investigation and Analysis, Research, Review and Air Travel,
Arbitration and Mediation.
Crisis/Defect analysis, Project expediting, Photo documentation, Document review and research, Reports, Meetings. $350.00/hour. Travel time is not billed.
Testimony at Depositions and Trial (Four Hour Minimum) $500.00 /hour
Mediation Services, Dispute Review Board, Project Neutral. $600.00 /hour
Accommodations billed on per diem rate. ($150 per day for room accommodations)
Clients shall reimburse W. F. Dexter Co. for incidental expenses incurred at actual cost. Reimbursable expenses include, but are not limited to air travel, car rental, exhibit production, postage.
Principal/Assistants/Costs: 30-Day Cycle, Due in 30 Days.
(Call for Federal Tax Number)
This Schedule of Fees constitutes the financial terms of the engagement between the parties as follows:
- WFD will conduct review and analysis of the issues at the client's specific request as described in the written assignment.
- As a consulting firm, WFD is acting solely in an advisory capacity; WFD cannot and will not make decisions on behalf of the client.
- Fees for this engagement are described in the Rate Schedule above.
- It is WFD policy to work directly for the attorney. WFD will direct all correspondence, reports and billing to the attorney/client's office. Although the party may issue payment to WFD directly, the law firm is ultimately responsible for the payment of all invoices.
- The opinions and advice of WFD will be based on such information as the client makes available, and WFD does not assume responsibility for its accuracy or the accuracy of assumptions based thereon.
- Payment of retainer and/or fees constitutes full acceptance of the terms herein.
William F. Dexter (Bill)
Offices in Los Angeles and San Luis Obispo, California