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Home My WebLink About96-03582 \ J :t ~ .., u .~ ll' ~ ., ., ~ , " 'It " . .v , , .. ,~ "" , ., u , ~ E \ Q: i , , I "- ~ ~ Q ~ r I', "'\f .. :I 1- ~" ~ ,~ .......)0..,. . ... ~ .~ ~ 'q \'()/ I J 2, Defendant Fh'olllon" i<J an individual residing at 114 Brindle Road, Mechanicabut'g, Curnb<H'Lllld County, Pennsylvania 17055. I. EVENTS GIVING RISE TO THE ACTION The Term. of Defendant Firestone'. EmDlovment 3, On or about April 21, 1978, the time of his initial employment with The Prudential, the defendant Firestone entered into an Agent' u Agreement with The Prudent ial (the "Agent.' S Agreement"). A true and correct copy of the Agent's Agreement is annexed hereto as Exhibit A. 4. In addition to hia Agent. s Agreement, the defendant Firestone is bound by the terms of the Collective Bargaining Agreement between The Prlldential and United Food & Commercial Workers International Union (AFL-CIO & CLC), the union which at all ~elevant times represented certain of its agents, including the defendant Firestone, (the "Collective Bargaining Agreement") . On September 30, 1991, The Prudential and the union agreed to add what became known as Article XXVII to the Collective Bargaining Agreement which modified the terms of the Agent's Agreement. A true and correct copy of Article XXVII the 1991 Collective Bargaining Agreement is attached hereto as Exhibit B. 5, In return for the inclusion of this provisiQn in the Collective Bargaining Agreement, The Prudential increased compensation and benefits and improved working conditions for its - -~ - .. , 2. Defendant Firestone is an individual residing at 114 Brindle Road, Mechanic~burg, Cumberland County, Pennsylvania 17055. I. EVENTS GIVING ~ISE TO THE ACTION The Terms of Defendant Fire.tone'. EmDlovme~ 3. On or about April 21, 1978, the time of his initial employment with The Prudential, the defendant Firestone entered into an Agent's Agreement with The Prudent ial (t.he "Agent's Agreement"). A true and correct copy of the Agent's Agreement is annexed hereto as Exhibit A, 4. In addi t ion to his Agent's Agr.eement, the defendant Firestone is bound by the terms of the Collective Bargaining Agreement between The Prudential and United Food & Commercial Workers International Union (AFL-CIO & CLC), the union which at all relevant times represented certain of its agents, including the defendant Firestone, (the "Collective Bargaining Agreement") On September 30, 1991, The Prudential and the union agreed to add what became known as Article XXVII to the Collective Bargaining Agreement which modified the terms of the Agent's Agreement, A true and correct copy of Article XXVII the 1991 Collective Bargaining Agreement is 3ttached hereto ae Exhibit B. 5. In return for the inclusion of this provision in the Collective Bargaining Agreement, The Prudential increased compensation and benefits and improved working conditions for its - 3- '" .' representatives. The average total value of the additional compenaation and benefits was $48.59 per week per representative over the two year term of the Collectiv'3 Bargaining Agreement which covered the period from September 30, 1991, to September 27, 1993. There were three n<~w improvements in working conditions provided to the representatives. First, Article XXXI of the Collect i ve Barg1\ini ng Agreement WIlS amended to permi t representatives to make copies from their personal history card files. A true and correct copy of Article XXXI is attached as Exhibit C. Second, it was provided in Article 5 of the Collectiv~ Bargaining Agreement that if a manager or sales manager writes new business in a home in which there was a joint canvass with the representative within the preceding 12 months, the representative receives credit and commission for such sale. A true and correct copy of Article V is attached as Exhibit D, Third, Article 4, Section EE of the Collective Bargaining Agreement was added to provide for severance to a representative if his District Office is eliminated and the representative was not reassigned. A true and correct copy of Article 4, Section EE is attached as Exhibit E. 6. Article 27 of the Collective Bargaining Agreement was continued in the subsequent Collective Bargaining Agreement effective September 27, 1993 to September 25, 1995, during which time the defendant Firestone was terminated from The Prudential. A true and correct copy of Section 27 of the March 27 1993 Collective Bargaining Agreement is attached hereto as Exhibit F, -4. ~ ~ 7. Accordingly, at the time of his termination from The Prudential, the defendant Firestone was subject to Article 27 of the Collective Bargaining Agreement between The. Prudential and the union representing the agents. Article 27 specifically obligated the defendant Firestone upon his termination to return to The Prudential all files. records and other documents belonging to The Prudential. Article 27 of the Collective Bargaining Agreement prov ides I That all books, records, documents, software, supplies, and contractholder or production information of any kind, whether furnished to the Prudential Representative by the Company or obtained or prepared by the prudential Representative while employed by the Company, shall be deemed exclusively Company property; and upon termination of my Agreement by either party, the Prudential Representative will promptly deliver all such property, including all copies thereof to a proper representative of the Company. a. This same Agent's Agreement, as modified by the Collective Bargaining Agreements, Exhibits Band F, specifically obligates the defendant Firestone for the period of two (2) years after his termination from The prudential not to cause, persuade or encourage prudential customers to reduce, discontinue or terminate their Prudential policies or products. Specifically, Section 13(b) of Firestone's Agent's Agreement, as modified by Article 27 of the Collective Bargaining Agreement, provides, in pertinent part: -5.. .' '" That for a period of two years from termination date of this Agreement, Prudential Representative shall not directly or indirectly: (1) Do anything to cause, persuade or encourage anyone to reduce, discontinue, or t~rminate any Company or aubsidiary policy, contract, service, or product of any kind, the the II. Defendant Firestone's Refusal to Return Confi~ential Prudential Customer Files and Reoords 9. Upon the defendant Firestone's termination from The Prudential on July 24, 1995, Brian Hoffman, the General manager and Registered Principal of The Prudential's Mid Penn Agency, explained to Firestone hJ,s obligations to The Prudential under his Agent's Agreement as modified by the Collective Bargaining Agreement, as referenced in paragraphs 3 through 6 above, 10, Specifically, Mr. Hoffman directed the defendant Firestone to return to The Prudential all customer files and proprietary customer information in his possession and Mr, Hoffman reviewed with him a letter from Dennis H. Gordon, Vice President of Regional Marketing, dated July 14, 1995, which reminded Firestone that "pursuant to your Agent's Agreement, all Company property must be returned to the Company immediately" and "that Prudential has a property interest in each of its life insurance policies." The letter further stated that "Prudential believes that when a former agent replaces a life insurance policy that she or he sold or -6- .. ~ serviced, a disservice is not only done to the policyholder but also Prudential is deprived of it~ property interest." A true and correct copy of the letter is attached hereto as Exhibit G, 11. On or about October 6, 1995, Jean W. Jensen, Associate General Counsel for The Prudential, wrote a letter to Firestone, requesting him to return "all Prudential materials," including "all originals and copies, electronic or otherwise, of OPSR, DOPSR and PSR cards, and items which constitute such as all personnel and financial information about prospects or contractholders, and copies of client fil~s, cash surrender, dividend withdrawal and loan forms," In that letter, Ms. Jensen also warned Firestone that " [uJse of confidential Prudential records is a brench of your continuing obligations under your Prudential contract" and that" [alny replacement activity could also constitute interference with the business and/or contractual relationship between The Prudential and its policyholders," A true and correct copy of the letter is attached hereto as Exhibit H, 12. On or about April 12, 1996, Donna Bailey McCarthy, Assistant General Counsel for The Prudential, sent a letter to the defendant Firestone, again notifying him that his "retention and use.., of any information taken from proprietary and confidential business records of The Prudential constitutes a breach of your contract with the Company," and that "any replacement by you of Prudential insurance contracts involving the use of such records could constitute unlawful and unfair competition, wrongful interference with business and/or - 7 . ~ . contractual relationships between The Prudential and its policyholders, and/or misuse of trade secret information that The Prudential considers proprietary in nature." Ms. McCarthy specifically demanded that Firestone "immediately return" to The Prudential all such proprietary records and "immediately cease and desist from contracting Prudential policyholdings and replacing Prudential business." A true and correct copy of the letter is attached hereto as Exhibit I. 13, Despite these direct and unequivocal requests for the return of confidential Prudential customer files and records in his possession, Firestone did not return the files and records to The Prudential, 14. Defendant Firestone has failed to return any of the Prudential customer files in his possession. 15. 8ach of these customer files contained the following proprietary information on a customer: address, telephone numbers, date of birth, social security number, financial data including current earnings, savings and debts, renewal dates for all insurance and confidential information about the cUstomer's preferences on investments. 16. The information contained in the customer files constitutes trade secrets of The Prudential, 17. Defendant Firestone has failed to return any of the OPSR or DOPSR cards of The Prudential in his possession. 18, Firestone had in his possession at least 944 OPSR and DOPSR cards for the Prudential customers he serviced. - 8 - I . 19. OPSR is an acronym for Ordinary Policyholder Service Record. 20. DOPSR is an acronym for Debit Ordinary Policy Service Record. 21. Both types of cards relate to life insurance customers. 22. The word "CONFIDBNTIAL" is printed in capital letters along both the left and right edges of each OPSR and DOPSR card. 23, Among the information appearing on each OPSR and DOPSR card is the policyholder's name and home address, telephone number, age at the time the policy was issued, date of birth, beneficiary, type of insurance, and the key terms of the insurance such as face amount, premiums, cash value and dividends, 24, The information contained on the OPSR DOPSR cards constitutes trade secrets of The Prudential, III, Defendant Firestone's Unlawful Enoouragement Of Prudential Customers To Reduce, Discontinue or Terminato Their Prudential Policies And Other Produots A. Firestone's Solicitation Letters To Prudential Customers 25, Shortly after the time of his termination, the defendant Firestone, using The Prudential's confidential customer list including its trade secrets, sent letters to the - 9. I prudential customers he had serviced, soliciting their business for himself, A true and correct copy of an example of such a solicitation letter is attach~d hereto as Exhibit J. 26. These solicitation letters informed the customers of his "termination" from The Prudential and stated that he would "now be 'positioned to provide [them] with a far more diversified selection of products for [their] insurance and finAncial planning needs in the future," 27. Firestone further informed these Prudential customers that he had "already taken steps to acquire relationships with several quality insurance brokerages to continue servicing all your insurance needs, life, health, auto, home, mutual fund, 1 iabil i ty and business insurance needs." 28. Firestone further wrote that he would "expect to be a better position than ever to help protect your family, business and property from unexpected loss" and that if they had "any questions about how this change will effect your current insurance coverage please call me immediately at either of the phone numbers on this letter," 29. Firestone concluded the letter by stating that he would "look forward to continuing my commitment to you in the future," -10 - I , B. Defendant Firestone's Unlawful Diversion of Prudential Customers and Replaoement of Their Prudential Po~~_~d Other Produots 30. In tota 1 disregard of h ill Agent's Agreement as modified by Article 27 of the Collective Bargaining Agreement, the defendant Pirestone, using the confidential and proprietary information belonging to The Prudential, has diverte~ Prudential customers with life insurance policies, annuities and mutual funds, 31, On or about the following dates, the defendant Firestone caused Prudential customers to replace the following Prudential life insurance policies (identified by policy number, annualized premium and face value): Prudential Life Insuranoe Polioies APPROXIMATE POLICY ANNUALIZED FACE !:iAI.E NUMBER PREMIUM AMOUNT 07/18/95 63897648 $225,00 $100,000 08/17/95 99252007 600.00 50,000 09/14/95 63838053 696,00 50,000 09/29/95 99303280 342.84 50,000 10/19/95 99309859 422,40 50,000 10/19/95 99309867 348.96 50,000 10/25/95 R1604217 388.68 9,300 -11- J . __.__..__wO_._ 10/31/95 97614693 499.43 60,000 ----- 12/15/95 96067628 687.12 60/000 ----- 12/15/96 96067645 471.36 60,000 01/04/96 63819850 159,68 14/632 01/24/96 63909134 252,40 100,000 01/24/96 63909099 420,00 100,000 01/24/96 96030942 672 ,24 60/000 03/08/96 96042565 249.36 40/000 32. In order to facilitate the replacement of The prudential policies listed in paragraph 31 above with policies sold by other insurance companies, the defendant Pirestone caused replacement forms to be created which were sent to The Prudential. 33. On Qr about the following dates, the defendant Pirestone caused Prudential customers to replace the following Prudential annuities (identified by contract number and surrender value) t Prudential Annuitiesl APPROXIMATE I2ATI: CONTRACT NUMBER SURRENDER VALUE QE_JllillillT.'i 07/19/95 72163996 $1;130.00 -12 - -----.--- 07/31/95 72146683 4,944.78 01/09/96 98152629 4,501.76 ..--- 02/07/96 R1l90579 17,726.32 -...--- 02/16/96 ~8094763 19,899.80 02/27/96 98124283 7,345.53 03/07/96 R1l90903 23,151.30 03/28/96 97644254 7, 171 . 94 -- ---- 04/16/96 72098530 33,557,36 05/09/96 98182745 22,320,75 OS/22/96 72067891 803.68 OS/21/96 72091810 2,961.61 34. On or about the following dates, the defendant Firestone caused Prudential customers to replace the following Prudential mutual fund accounts (identified by account number and amount of fund replaced) : Prudential Mutual Funds APPROXIMATE llaIJ;; REDEMPTION AMOUNT OF FUND REPLAC'~ ACCOUNT NUMBER 02/03/95 039003386380009 $ 3,349,12 03/03/95 039001489410002 3,292,23 -13- ~ , --. -- 07/20/95 039002043150002 28,314.80 10/18/95 038002496720000 20,959.98 .. .-- -. 11/15/95 038002465370019 2,026.99 11/15/95 038002465370131 1,903.44 --- ______._.___..__0. 11/21/95 039000220990009 3,058.11 01/11/96 038002638350080 58,014,00 01/22/96 038002330900006 3,727.20 -- 01/23/96 039001213010068 10,724,43 01/23/96 070000940210026 22,978,79 01/23/96 070000940210002 57,574.45 01/23/96 070000940210009 37,972.48 01/23/96 070000940210026 15,168.81 01/29/96 03800249662r.J079 8,669.29 01/29/96 038002496620131 2,263.59 01/22/96 045000364710009 15,367,18 02/08/96 039001661160068 1,142.09 04/10/96 039000709830056 3,327,60 - 10/02/96 038002086280056 24,903,60 COUNT J Unfair Comoetition and MisaoDrooriation of Trade Secrets 35. Plaintiff repeats and realleges paragraphs 1 through 34 and incorporates them herein by reference. 36. By virtue of his longstanding employment at The prudential and performance of responsibilities for various Prudential customers, the defendant Firestone possessed trade -14 - . , secrets and confidential and proprietary information of The Prudential and its customers. 37. Defendant Firestone has misappropriated, exploited and used the good will, trade secrets and confidential and proprietary information of The Prudential and its customers for his own self-interest and to compete unfairly against The Prudential in breach of his fiduciary duties as a representative of The Prudential, 38, As a result, The Prudential has suffered and continues to suffer substantial and irreparable harm through loss of its trade secrets and confidential customer information, and significant loss of business, for which there is no adequate remedy at law to compensate The prudential for the s'Jbstantial and irreparable harm caused by Firestone's actions. COUNT II Breach of Contract 39. Plaintiff repeats and realleges the allegations of paragraphs 1 through 34 and incorporates them herein by reference. 40. The Prudential and the defendant Firestone have, for good consideration, entered into a valid, binding and enforceable contract, the Agent's Agreement described in paragraphs 3 through 8 above, Sections 7(b) and 13(b) of the Agent's Agreement, respectively, obligated Firestone upon the -15- . , termination of hia employment with The Prudential to return to '.'he Prudential all document a and recol'da belonging to The Prudential and obligated him for the period of two yeara after his termination not to cauae, pernuade or encourage The Prudential's cuatomera to reduce, diacontinue or terminate their Prudential policiea or other products. 41, The Prudential has fully perfo~med its obligations under the Agent's Agreement, but the defendant Firestone has breached the aforedescribed proviaions of his Agent's Agreement. 42. As a result, The Prudential has suffered and continues to suffer substantial and irreparable loss of its trade secrets and confidential customer information, and significant loss of business, for which there is no adequate remedy at law to compensate The Prudential for the substantial and irreparable harm caused by Firestone's actions. COUNT III Tortious Interference With Contractual Relations 43. Plaintiff repeats and realleges the allegations of paragraphs 1 through 34 and incorporates them herein by reference. 44. The prudential has entered into valid contracts with each of its customers, 45, Defendant Firestone has solicited and continues to solicit The Prudential's customers, with the intent to - 16- . . induce them to terminate or breach their contracts with The prudential. in contravention of Firestone's fiduciary duties and responsibilities to The Prudential. 46, As a result, The Prudential has Buffered and continues to suffer substantial and irreparable loss of its trade secrets and confidential customer information, and significant loss of business, for which there is no adequate remedy at law to compensate The Prudential for the substantial and irreparable harm caused by Firestone's actions. COUNT IV Conversion 47, Plaintiff repeats and real leges the allegations of paragraph 1 through 34 and incorporates them by reference, 48, By reason of the foregoing, defendant Firestone, with the intent to steal and divert The Prudential.'s customers, has intentionally misappropriated and taken dominion and control of the property of The Prudential, to wit, The prudential's trade secrets and confidential customer informat.ion. 49. Su<:h taking and continued dominion and control of The prudential's property was and is wrongful, intentional, and malicious, 50, As a result, The Prudential has suffered and continues to suffer substantial and irreparable loss of its trade secrets and confidential customer information, for which -17.. Ub.....\::f/.....~b lJI '::l',' l-kU-I'Il:LIJ h'1.:.'::cUU,\.t:. '. \jl','l'I'~;""~Jbb'" Nlj..J,!.J \"UUl ')") - .. AGENT'S AGREEMENT , I In (0",1.1...,100 of my appoilllmffir " an ^s.nr of nlE PRUDENTIAL INSURANCE COMPANY OF AMIlRICA, I do lIefeby oe"" as follows: sHe. I. nu, I w,ll proln"" ,h. ,u,(m and ..dl". ul'M CUDlptny; conform lU and obld. by la inll'U(llon~ rulu .anJ rcqulr<m<nu; and ,eI"in frum el1ga~iog III any olher punult '" Cllllng Ir<>m whieh I r<<dv. 6rumciAI ro. nlun~riol\ while: thil ^GfC'Cmtnr l) In (OIl.e:, See. 2 (d) 1'hll, alo,'r b.;n~ I',operly h"nscd, I will on\'115 '''Il''Luly lor oppll<ltioo, (or 'O$unn,e poll'i,' and annui', (llllt,,(I' 01 ,he kind, .nJ upon rhe plalu ",IJ by ,he Compony; anJ tll.1< J will aJvoca", 11\1: clan 0 in5lJrllntl' !nOS( 5ultllblc t'Q tlu: applicant'6 pO$ltion :and will nO[ press (or l wgc:r amounr of imuunc:t fhan dll: a-ppliclnt i~ llblC' to nuimtln. (b) 11.,,1 will rnd,'"or 'u kctp In fo". rhe <>IIIlns in,.\!tan", of ,he C"'"pany. to "'Ule ,h. relnltarc- m~rH ()f in!-lIuncc Ih:H lu,5 bpscJ and ptl(Olln all me duties, incidC'n, to ,he cale IUld (omcrvuion or Ihe CompulY'5 bllsinell)' ,hat may b~ a.::i5ignc..J ll) me horn rime to t1mt by dle Company. Sr.c 3, 1ba, I wlU (olhl my 'w..kly Prel11iul11 Dtbi," rclJ\ll"ly each wt'<k snJ lllAr I will coU<<t rny hMonlbly P",mium Debit" ,egululy =h month SIlC 4, Tha, onde, no cI,cum",n,,, will I pay, dth.. di'Ktly 0' indlr<<tly, p",mlUDl' lot policyholde.. /rom whom il to wy Juey 10 colle" prerniun\.<, nor will Ima.e enul.. in my 0>lIwlon Bool<> which ...HI "lOW <hat pttm.""" have bten cull'ded by n1< unl", ,uch premio,,,, have aClU.1J1y bteo .."Iv..!, Stc. 5, Tha, J will prepare and 10'''''31J '0 th, Home Office ..ch w<<k, on pr<>ptr lap... $(hedul... a Jill 01 all Weekly Premium polkl.. upon .,bieh pr<miulll$ for fOllr week. m oveNue >.nd unp>ld; and Jaily, nn proper Cll\C,lIa. tlon ><lledUIt" a Jill of .11 polld<! en my "Monthly Pr<l11ium Debi," upon which premium, .J" IhirtY,on. d>y' o\'erJue .nd unpoIJ, s.tc. 6, (d) Thar I will kctp "u' a"ounes of rhe bl"in<<1 In the book~ p,ovided by th. COI11J?6ny, and ..nde, wben '''lui,ed on ,he form. provided. Hut mount 01 .1l111000O:Y' 'c<dved by me on "'hall 01 ,h. Company, (h) Th.u I will u=.U money' ,<<dVL.J by Ill< 00 beh,1f 01 fir< Compaoy.. lfU,S,lund., anJ pay ave, ,uch rnono:y' '0 the Coml"'ny promptly upon ,,,,,I pt. (,) Thsr In all 'o...n,,' wher. .he 1<counn kept by roe in 'M book. providol by rho Company .nd ,he nportS rw.de by me '0 dn Compllny (onain enfrleS or irtlt\5 tn.'\de by we Lndkaring [hilt moneys luve betn r<<dved by me on btl..U 0: rh. COIl1p>ny, such eocri.. or itrlll5 ,hdl bt condu.i.. evi. deo,( of su,h ,<<"pr by rn~ on rhe Company', bcluU anJ the Comp>ny >hall nor bt hound to make lurthcr procl of ,och /lxeip', SEC, 7, (,:I) Th~t upon [nminlltion of {hi~ Agreement either by mysell or the Company, or IU IUlY other lime: upon request by {he (omp"ny, f wiU immeJiatdy submit $.1id book, and records for an insp<<tion apd a<<ouruing. 10 be nude ill ."ordan(e with the rules, (If the c.ompany th.en In futce. (b) Thor.1I b<lOk~ ,<<ord" .nd .uppli.. itorn,shed to me by rhe CompAnY ,h.U bt ,he p,op"')' of rhe Company; and ch:1t, upon the cermin:uion of thj~ Agrecmcnr, J will hand over 5aid b:>oks, recOId), nnd suppliC"S to I rrcpef rr:prc~nc\lh'c of (he Company, SEe. 8, TIu.t I will p'y aU <'pen", 10' pOllARe, Itcc'n'" fee., ,,,nsmission nl I1lOnry' and parc,ls, and oil cxptn"" ol.v.ry orh... kind ""Ident to wrying on Ihe busintiS nf my agency. SIl.C. 9, Th.u lluve no aothority on btlulloJ rhe Company rn moke, alrer or Jischarge any policy or annuity ,on. traCt. 10 ~tcnd the time foc p'ying l\ rremlum or coosldltunon, to waive for(elNres.. (() incur any liJ.biJjry on behalf of rhe Company, to allow ,he Jeliv<ry u "'y ",,!icy IIn1... the p!l$on p,o!'<'std be In good heolth and ,h, fim promium paid in full. u, 10 oUo,," 'M J,liv.,y of ,ny annuil)' con"..t unJc:.s ,he 'equired <<>nslderalion is p>id in full. SEC. 10, Thar no a~~gon)cOt or commi...~jon~ urnN 0' aC:Clllcd ()r [0 A(c.rue under ehb AgreeooC'nr ~hilll he binding upon rhe Company un I,.; opprove<i in wriring by it. SEC, \ I, Thar. I will nor pay 01 :lllow. or ctler to f\1Y or allow, IlS ~n ind.ucement fO ~y person fQ inroe( Qr (0 PUIC~ an InQuiry conU:lCf, any teb~tl; of pr~mium or (ons.idernion or any indu<cmenr not spedfieo in th~ polky or '~Uaty CODa'ICt, SfC, 12, Thar I wiU not 1s.'iUe ur drclJI1te any bilh or papersl or ...,ran: Of ~nd any communlC3tlon 10 or Inuu any wvercl$tl.!lnC'or l.o any publication, ar my own C'Xpensc l)r orherwise. in tnv way rcuring to the b\J~iM55 of thh or Iny omu inswance comp""y wirhom lint obtaining the weiuen aUlhority of rhe ComplU'lY~ Oll\~ any IanJl'.l;\ge or commit .ny act ~nding (0 being thi:. Of IlOY ('Ither iruUfI.l'Ice comp"n>' into disrepute:. 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Jam.'S"1 In CI)(lllt'(dOfl "i1h lhf '",nl'hIIlS flf hl\'h lnfOfltlltlM 41e. tIS... l'bn t.hll AIl'ffllltn',I' 'perO~N 1;If lhr (.o(llj'ltnl' IlJfl Hom, OI1lu, .tllU bt1:"mt tlrntin 00 NlJn41Y. Ihr. tt"~ ..11' uI /l1'1.'/f_ , 191r. InJ _hIll (O~" "" ImhOf)' 10 ...hldll m~y bt ..ulan" (r<JIJ1 tIm' to time by rht CotuptnT. SIC 11 n"r thll A,rrr..mmf I\lp;t~u 1Jl~ pr"II1\lII81(,(fnlnl Ihlt Ilmr ha"" hid wllh tht CnlJlp.nT Slt'n lA. 11v.t lht ttrtnJ 111.1 COO<JhlOtL. u htr..ln Kt 'orth tnly bt .I~'M QlIIT b, ~ Jul, .uthOfu.N 0<<1(.(, 0( tht Com".." '~~~QJ2-':,~' ,"...... :::' :::'., ~,.. :.: llllod" C,"", UU. .. ohl>...2 It! (", n/ ~ ,191'f Wlm." '~~7fJ~~ 'I ~ t [ r r ~ ... , ~ ... ~ ; , ... '8 ~ & l 2 . ~ H[ r l' 00 .. ~ ... 00 fir l; I = .-.4 ! a' " -.:t I I ~ ~ .,..... ~II I. II F :1 ~ :!H ':" 'I i/: I, IIi . ~2.lJ OO.l~ ,I 5;'(\KJJI-.9 -...'0 .....0 -0, -~ I. iUq1 '- !""'<l ._,1 ~~', ._, ,n, ~"",I 1 ..., YllIt:JQ" , Ja/&-ru.L ........." ........, , A\H-~ ..." -)\I,J'Q."'(1S as.' \J '(i '1 a 1b/L-/!J,"", .........(!) "U9J. GION xe,j l~ , -, I. :11I , P:-\ ) j:! It: . JUN ;a '% ~A~'WJ'JIJ~I I-'I<UlkNII'lL INS P.6 qH~il ~ iP HfHfPHi il~H II H~P t h Ii t ~ ! b .d n~ H u I t ~ i i~ .~ l ! 4 : h! f I . i is ftifJjlsr il 'Mila ~s s'll~.. ~ t ;.1: 1'1 ~ It L h i f J L 1. P ! : !! r t ; 'i! '~ ': 1! Ii t -, .11 ! 1: i ~ L ~ j ! 11 ,H ! i L ' 6 ~ ,; e ~. rU II .h sj~~ tiU~ it: lI!~!'i j~ ~ N) ..0 "~~ In Ii ~ ! . . jiprjf llii~Pj Jlpjt iUHjHHH !U 1:r ~ If 1 I I, I '6 l i.r ~ ~ r J Iii 'Ill'll i e It; ~ ii oS f !.Ii ~ :I I :1 - "-:"t i i!.1 :1 .. h co-f en Ii ~ ~ fSr~llJl If=:hl ]JI.. 1!!~fi~'IHHi fli it ~ I;' .d ; l I Ii d l'll I 'II ~) z i ~ ' ! ~E ! "0 r ~ [ : i ~ s I s 'II ,) sf 1i ,qli , I' ! n u H U 2 ~ P l ~ ~ ~ ' II H t It ~ s 4 H ~. l" ~ j ~ f ~~ ~ j ! R 1.1 10 '11::1 !. :2 gEl ~ "IU,!! ,- !eU ell! ~'H!~li~:ii~~ I. I ~ t h f"i; l' ~rlllhn JUf~t ~ltlWl.iilll ill! ,i . ~!I tiP-I' !ljl "'.Ii ~!i~~6 .?j-h~'j1u ~~il 'I rJ .il! i 11 'II J II" '6 i H ! ~ .. ~ h U . ,i l L t 8 ~.~ ! ~ ! ~ ~ ..!., :!. 5 ~ ~ .. ,.. I! n ,; h 11 H h ,d H H ~ .5lU n I! E 11 0> ~ - ~ 06/27 '96 15: 18 _no' J(j; 27 '~b 'tr2t'~I-"" PI,'UIJlNIIHL lNS .. . 1-', 'I . PE J i~ ~ .8 i p ~ ! t U ~ P ~ '1 II : ! j.8 i ~ t ~ Ii! I!ll!L if I f I HitiII II ii1di lii t '~'I ~ I t I:H i i ~ i ~! t 1 Ill, ~ '! ~! ~ l t if ~ i } ih f'll!H . {j . i! jlfhH tl U i~ I ~tfl i 1 J 1 q f ~ l~ ! ~ I ij ~ ~ i 1 ! I ~ ~ ' ,. i a i I ! I 1 l,~ l !.8' !!] ~ ,~ I, 1] f l t ~ I 1 i' ! t! ~ P 1 I. ~ !.81 ~ fl' I B i" ~ .t ~ E ' - ~ s ::. U l .. ~ H h " .; H f - r Ii il "Ii Ml II I 'f ~ t p~ tif~H "iP'if I ~II i P j'j't!HI ~H~ I~lhl t,.Hi . i ! Ii is J.I r!. hJJ'll ~,~' slut 5Jj-ro I 1 2}, J ~~ ~ wi 8h.rr i--g111,IUi ,~ t~:I J f i,.. i u p ~s Pi'" r' ;1 p . ji' I . i . r ti! I ,I ii-8 I !i ; i ~ H 1 ~ H j if!' l{ S [~ e II i i ~ ~ ~ i ',"If! tibi r~~ i!I~J!.l if Sj- it all'll ~'ll& I~ji '&I!~. f ~!sll J HI!. rs: ii fa !;~ S ~ ~li ;lpfi H 11" I H l'i~ H i I h '1 ~ '! ~ l ~ i II f; f, t pin eW I plp.H j WI l" ~ P .i~ j ~J1I] ...:p! .!Sui 8,i - i .~'a _Pit ....& i1.....: -Ill!.... .Il_~1&~...I.... -... :lZ-ftil'~"~ll' ~ i ~ ! ~ ~ ! !il !HHj 00/2'1 '96 lb: 18 JUN ;:'/ "Jb ld;'1\ 11"1'1 1"1,1J/)LI~ I Jill. INS fJ.8 l"6j,ti~ HI ~I iP 5 jU HU,jH ~ II ~S' H l"~i i jl~ .9idH Ii X' '1 iH U ~11jJ i: il) hJ~H~! ~i I Ii ~ '", '~"6 ~ i i i 6 ~ 1 J ~ :! 1 II h ; f I ! I il II ~~, i Bi"6 .. i t i .) = !uJ ill: :11 ~ : Ill, i r! lvl ilUWl .tJ M · H aIr lJiiutJ ~i ! j .f ~,a j H i ,I J ~ ~ fj R q H f ,I ~ l:;l ! ~ f h~ Iii .0] a' ~J' ~ ~lr~ &:e 1i1ij !~iJsfr~ H~ '>>; H~ It .~' ~ i'll,-Jl U 1lf ~ f~~Jai~f i' ~q ~~~ l ~ 'h~ j~ l!i i "J1 ~1H i J d j H i H ! H ~ h:f j~ ! J 'q h hi i *1" "I; ! f1 ~ u t n * ~ r J i J d "t! "l i ~ ! ~ B & ~ i i I; ~" . : '" ~"!I~ ~ 11 E. _ .' I g!~ ~u ~~l.h ~"6 Iii ~,p~ ~ d jJ!h 101'htfJi i l .IJ .~l! e 1 ~ ~ j "i C ;: a ~.~ (~.8 ~ ~ 'll ~ F .. ~ "6.s a :0 1 ~h Hi iUtli! U pi~ ~!! fHjt ~ ~~fUe.l1 f i! J i 1 j ~ ~.~"6 i~. J ! f ~ d h ~ l~ i H ~i ~ ! 11 i f 11 i ! ~ l ,d a -!~ l ~ ~ " ~ ~ ~ ~ ~ ( 0 ~ ~i ~ Ii) ~ f 11 C, ~ a ~ · ~ ~.,! 1 ~ p : U ~ ~ ], ! ~ ~ K ~.~ ~ · I :s ! & ~ j.li ~ U I!' f;t .j l ~ P ~ j i In h6! K i ~ .' ~ i "h 1 J ~ ~ sIn i i !I,l iHi tu lit jl ! Ull! I hi i ij~p i iH!jl il pi: fd;. I~'~ jH d ~ ~!~j~ ~ "_,5 8 ~wL1.. .Jh~~hJ ",i~~ <lB. t!~ gi ",g ~ ~.!:f -' N J An.t ~ ~' ,,~ . ..J ~ ,) .. ~.!.. a,.; ~ d <01 '2 ~ 1 06/27 '86 15:18 NolHi Th. Nil Plld.For Polley Production A.llo I, the rll10 at thl AiQ,",I, I,.t plrd.for pollt:I" In Ihl qUlntr to !tI. pr.vlaue VII'" U,S, Av.ntA' IV' rag. numb,r of nit p.lrd"or pallel" PI' "-,,,nt. H thl U,S. AgI"I1' .veragl i. tel. 'hi" US pollel.. pit C1u.~rl thl" thl rllla II d.I"",r".d bV UII"g 11' In U'I. J.nQml".to~. "f 1111. is% rllllo ,llulU In . polley "qul"""n1 or ,"Ort tllln Ie pollel.., IlItn UN Ie pollel.., " fur JI~ Illf~ I'P }m Pif f[~IHJII PflHll'V 1111 r ~ r ~I ~IJi,~ ~ a~l!1J. f. anl~~! 'If !~ ~ :fqj I-fllf Q'"rl t~lflh iilHfl~1 tqJ5~f~r Ili{'!1111Il1 [(i liS l~ i tl d!f a , ii1fir}! F ~lii'fr t 1 ~rqi~f if . i I Ii i H I ~ g ! if ,; 1, '! ! lifli!: litH' ~ i I ,p f fa ! II I V e [If I f ~ Hi 1 s pi ;f'ir la..h: 1 l< h1ilJf, '!II JIHi!:,! II Hi i:li m i !!I h ~,il I nr~~I;'I"1 ~ :;. < ~. 0 H;l !ill!h ! ;1 1]~H ~ I. lfil ~ ~~i[fhufl ~ j II t ~i.I, ~ I J.~ ~il~~' ~ 'ff i ~r'U 15 IplIlIiJ: ! 8 '1,~lr "SIt it. H~H {J13 Jq Cl ~"!..1~ If; ij'h III Ihith i'!~1 a. H~.g lili!l!hi al Pl i,hl~Q'1 ilI~ JlI ll~i! 'J litl- irJf: ,I,. i '.li~irfi Ii, 5'11 9. hi i H ~- Ii! c...: a' P J~hhhH 'J~i:l~ I:l. o~ i~2 f j 1: ~:r..... !i. S'd C,NJ lUJ IJJlOn:>Jd ;Idhfl :71l ')h, /,7 Nnr . . JUN 2't '% 1d2111!lJPM H'lJUENllll. INS . . . fJ,4 . ill HI m !!m J i. HHI ljjlilll It! !Ii U! i I' piU iUll.i WI. Ih IIi f!~ h!~~ j ,I 11m !,llfP,l HI)I tj lO_J , J ~I i~ JS & !&:f I, H~ P: i r f IU hfitH I ~1. i! HI if! J ! Ijl,lfflI. !fillU! hll! ! Jf 'h.. ~ E ~ ] H i '~l n ii I H I'H ~Ijl ! t J i SJ fdu J, d~ ~j };J I' ! j~!- j I M l!e~~~ H~]IJ J~ .r iii . . . . J P k J ~ J' j ~ ~ I t Of ~ H~ ~ H i .5 ~ .r J ~: I 1" tjl . i h " r f H f t :}'I PHI. ! I r'll h;".; ! If I! j' j j fflllI': Um mil it J j ~mu hil H j j! !i ,Ill II jfiJI) tlhf . H II fi ~1l11l J "0 ~ J q ~ Q ~ J E i J ~ ~ 1 f J I{ ~ ~ c ~ 3 ! IHb f ~ f I i 1: Ii iff Hili ihJ~; HI f j ~nu~ BHtjOljl I,,,, li/:Hiselig. '1,1, r J - !"",j j l~';~: j 11 J J ii I~ ': UH ! ,ki! "hi: f'II ~ ~,~UUj ~IHhE' ... ,1~';IH:Hn:i'II.,l!JI oj <J6/27 '96 15: 18 Q ~ , JU'j 27 '':16 kl41 :il1PM PRUOCNflfl.. INS P.2 " ,.. i r ~~~~~~..~.~~=~=;..~~~~A f 1 HI f r I f I i"~I~~~S~~~.M~~~~~=..~ II , I' 'rAILE' CllNlIAVAnOH COMMISSION AI"nrt OtblltHl Nil A_II Up" Allie t.I'l4ooflhl 1110 11QO 1110 WI'lo Uti N'~U.ln'''l"ml''lO~ ~O IaQ Hllhl/ of 1110 \1,1. 110IO Antill Dr th. Alglon on" But Loll Thon Averaa. .2W. rug IWl Ull yg m II!I ug ~ IlQ Lo.. ml" 11'l4o .110 1'00 115 sea 180 II. iJ61 III 141 1131 21'140 bullo.. thtn 1llI'" 100 114 110 14 77 71 13 17 41 33 1llI'l4o bUllo.. Ihon 70'l4o 12 II 85 71 7~ 85 fO 54 .... 3' 70'140 bUll... 'hln 110110 18 II 71 7. II II 17 II ., 2. 110% but 10.. lhtn "0'Mo 78 7f 73 II II 10 III .. 31 21 110'l4o bu,ll" thtn 131'1<0 70 If 85 12 II 16 Ie .... 31 22 131'" bUIll" Ihan '10'1<0 12 10 .. 85 12 II 46 III 3Z 11 III leG'" bUll... m.n 1110'140 114 12 10 " .B .3 411 31 21 11 1110% but I... thin 221'" 30 30 30 30 30 21 21 21 20 '3 lZl'l4o .n" Ov" 20 20 20 20 20 II II II 'I '0 "For Now O.bll LI', pollcla I,"U"" Pflo,lD Olcombtl 3'. llD1. 06/27 '96 17 :41 , JUN 2., "'Jb 1il4 I ~ 11"1'1 l'I,'lJOI-.NlI/lL INS P.3 -- , , TABLE II QUA"TI~LY OUALITY autlNIU 'AYMINT AQ.nt', Combln.d L.I" Nlw IUlln... OUlll1y L.lpll ~III II I 110 of Ih. Hrehl' ., Ih. Aver,", l..IJ)" flI.l. 250140 Nil "td.'or Pellcv ~rodUtUDn R~lu ,., thl U,5, or 110140 1001'0 200110 ,aoy. '21 \10110 II"" L... II" """r.g. for or BUI L.l1I "'"n Thin ,hi Aa,,,t', fIII.olen MlU.L. lIDi lli~ 1m lm .!.WI. I.ID& mli ...i.Ui . ,... thin UI'o 11.200 IteO 1m nn 1140I UOo 1m "" 11.... bUI r... d1.n 11'110 eea 1'1 1018 0111 W 152 'I' \3Z U% bullll' II'!.n 40.~ 712 IS. 118 180 1801 110 111I I'. 40'" buill.. th.n as", U8 "0 1110 1'1 140 '" 131 IIlI U.... bUll... thin 70'" 482 372 118 211 lee '" \20 ... I 70% bulln. I".n &0% 114 212 2~ 111 1150 128 '02 12 80'" but I... lJ1.n , 10'" 164 1'1 ,,, \10 lIB 102 U 10 ilOilo but II" thin 12&'110 '11I \74 1150 UI 101 B4 Ie 41 , 2&'11 but III' Ih.n ,.0% 174 '10 121 '01 .. Ie till II '40.... .r M..I NOIII; Th. Nit Plid.Far PoliCY PNdUI;\lon "'110 IIIi'll 'lUG or th, Agln\'l n.t paid-tor policI.lln \hI QUirt" 10 m. prllv!ouI y..,', US. Aglm,' 1\I.rlg_ n~mb., 1]' nit plld.lor pollel" PI' Aglnt. It th. V,5, AQ.ntl' "dtlgll I' t'lI Ih,ln 115 poUcl1l per QUI",', Ih.n the flbO II d.l.rr"I".d b'1 uIlnQ ,. \n(h, d,nomln'tor 'U lhll &l&~ tltlo 'lIijlte I" . poll,v tlgu.r.mlnt of mo" thin 15 poil;I.., d'." u', '1 poll,I... ilUIII; JIll; II'i'il" !PHtH' prIWl~: h I ~. b : B ~ \n.~ !'! 'If ~lH :([1 h1fi UIHI!!! ib~ J"lt uht qt (h(ll J.lllihfSr Hlif~i~ " W ~fl~h ! F ~l~I'fr jlH HI Hll, i HJ (lo i HIiU,ifU I I!HliIU .~ lt~l::I'~' li!fi ; (I S" Ii ~ iH.rUH i i~1J~~:i ilEt H !allq iqi_l~i9 h \!I <!l{!h '~l! ! Ii r l ~! :' Ii t !'J 12t~f II' HliB11 U. "il ~il'~i i.[ff!"!1 ~Q iL; ~ "'Tilli h!IJitjli nU...ll'!,1 tf, 'iHH ~ Ht~ tiI (9.~1 fjSl" lr~hl' )'1101'<;. lhith pW i 9. In ~ i ~~ r Ii ili! :pI lflf ~~ i.'~l~ ~ IfilAl !llpi1ii i H ~' f! \ 'I ( ~i tifsJ hHhj i , ,hl~ iii. ~ ~ ~ ~,H hhljll.[ ! ~hhi.,h 06/2'1 '96 1'1:41 ~ ~ 1 ~ ~ ~ j ~ ~ > i ~ ~ ~~ q [ 2 'd ~ .s [ n ~f ij 3 ~l f~ ~ ~ ~q ~ . ~ ~~ lid I H ~ij ~ 8. ~ P .~ 'I J! ~. l!lIi i.!ll s~~s~~ e '" ~ .II ~ JI ~ .. '-<: ~ :'1 i: ,-- 1 <...... 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E,g~~~= - ~ ~~ I g.1 "5~ii ,,~8~i;~~ ~h~~..~ ~ ~\i d a::] ~E"'&.I 'EE€!!~?'" aU ._~~c ~ ~ !~ 'h ~o~~ ~od~o::g> ~0~80:~~ ~ ~~~j~~ "Ol~~~o. c'.l ~-.8~ -,E..c~~ 8n~ ~~ ',1 __ I:; ~~ ~~ 8 ~HH:~. cn~~.u~ .f i*.Es ~~~~ ~gEE8, [',. ':~n~~,g ~ J!_~.:~ j: J! ~ ~ ~ .. - - 1l U ij" 1! c E.. . ~"5 " Q ~ ~~,; ~:;H jo.o.o.Ho ~d~h~ ~ ~~~ ~~ d ~n~ ;~u.~o. Q ~ ~~o. i" tl 6 .. .. Q.. ~~",... ,... Jl~~ ~ ~~~ ~ ~ "'s~ ~ ~ . , , 0-,6\ . . -.- ..__...._-~-- -~----.~- ThePrudentlal Cit Jeen J, Mellev AI5lIOClal1l Coullsel Law OIlPo.1rtnllfnl The P'lJdlJllllalln5ural,clt Compdnv of Amdtlco EUler" Home Orllce PO 80. :]88. FOil Wa5hlnqlon. PA 100301 215780230 F" 21578' 11(,Q October 6, 1995 CERTIFIED, RETURN RECEIPT REQUESTED Byron R. Firestone 114 Brindle Road Mechanicsburg, PA 17055 Re: Replacement Activities Dear Byron: This Law Department has been consulted concerning your activity after leav il1g The Pruderatial. We understand that you are currently contac.:ting Prudential policyholders whom you sold or serviced while you were associated with the company. It appears that in some instances you have even replaced existing Prudential contracts. The Company also has reason t.o believe that you have in your possession copies of confidential Prudential business records that you have failed or refused to return. We remind you of your Agent's Agreement executed by you on April 17, 1978 in which you specifically agreed in Section 6 as modified by the applicabla Collective Bargaining Agreement: Section 6: (b) That all books, records, documents and suppl ies, and all cotltract holder or product information of any kind whether furnished by the Company or obtained or prepared by me while employed by the Company shall be deemed exclusively Company property; and upon termination of this Agreement by either party, I will promptly deliver all such property, includingallcopies thereof to a proper representative of the Company. (c) That all information which either identifies or concerns contractholders of the Company or its SUbsidiaries, including, but not limited to, contract values and beneficiary information is confidential and of special value to the Company; and therefore, I shall not provide to any person not in the Company's employ any information which may be used to solicit for :;;ales on behalf of some other company or organization. Mr. Byron Firestone Page two Essentially, you have an obligation to return all Prudential m4terials, no matter how obtained or whether they were prepared by you. These include, but are not limited to all originals and copies, electronic or otherwise, of OPSR, DOPSR, and PSR cards, and itoms which constitute client files such as all personal and financial information about prospects or contractholders, and copies of client files, cash surrender, dividond withdrawal and loan forms. The information contained on these records is confidential and constitutes PrUdential's trade secrets. Accordingly, your possession of any Prudential records at this time is a breach of your contract. Further in Section 14, 4S mOdified, you agreed: That for a period of two years from the termination date of this Agreement, I shall not directly or indirectly: (1) Solicit, cause or induce any contractholder of the Company or its SUbsidiaries who became known to me during my employment with the Company to purchase services or products which compete, directly or indirectly, with those sold by the Company or its SUbsidiaries. (2) Do anything to cause, persuade or encourage anyone to reduce, discontinue, or terminate any Company or subsidiary policy, contract, service, or product of any kind. (3) Do anything to cause, persU..lde or encourage any Company or subsidiary employee to either: a. terminate his/her employment with the Company for any reason; or b. sell or solicit services or products on behalf of any other company which are in any way similar to those sold by the Company or its SUbsidiaries. The Company also has reason to believe that you may have used information from its confidential business records to solicit PrUdential Policyholders, Use of confidential Prudential records, including any information transcribed therefrom, is a breach of your continuing obligations under your Prudential contract. Any replacement activity could also constitute interference with the business and/or contractual relationships between The PrUdential and its policyholders. Such activity will compel us to review appropriate legal remedies including an action to reCQver monetary damages as well as an injunction. . Donna Dalley McCarthy , ThePrudentlsl ~ .' .r.pl'",,.,,, 1.'orl"'.'l''''"I''''.' 1" ,'III!", ,r'\"",.1 '" PI- ~J I .1'" C, j, .I"" '. ': ~ ,I',) t ,,'., ~.\,I,lIl'II'\l!d":'d; r !~". Htlj ~ '" ,'"I',..,"\)tO:I1 fl,. , tl 1.1 ; , . '; I' t ,',. ~, ~ I ' :" " ." . :" ',/ 11. ~ , " ! ,',\' '".,'1 :1. ,'.'; ";,1;' ....' h!1 C'.,,;,., i . C"':' Apt.U 12, 1996 via First Class Mail Mr. Byron R. Firostone 114 Brindle Road Mechanicsburg, PA 17055 Re: Rsplaoement ot Prudential Buainess and Return ot PrUdential Property Dear Mr. Firestone: I refer you to Jean J. McKay's letter to you dated October 6, 1995, a copy of which is enclosed. I have been informed that you have continued your course of conduct involving the use of information from The Prudential's proprietary and conf idential business records to solicit business from Prudential policyholders to replace Prudential business and/or to finance contracts of other companies with PrUdential contract values. The retention and use by you of any information taken from proprietary and confidential business records of 'l'he Prudential constitutes a breach of your contract with the Company, In addition, any replacement by you of Prudential insurance contracts involving the use of such records could constitute unlawful and unfair competition, wrongful interference with business and/or contractual relationships between The Prudential and its pOlicyholders, and/or misuse of trade secret information that The Prudential considers proprietary in nature. This letter is formal notice and demand for you to immediately return to the General Manager of your former agency all Prudential records and supplies (including all copies thereof and all information derived therefrom) in your possession or under your control, and to immediately cease and desist from contacting Prudential pOlicyholders and replacing PrUdential business in violation of your Agreement with the Company. You are hereby advised that failure to do so will result in consideration of the legal avenues available for. the protection of the Company's interests. While we would prefer to resolve this matter without the intervention of a court, the Company has instituted actions in the past for this purpose, and has been successful in this regard. :;) ~ ol;, <:r- "j " ~ ~ (J '~ ~ .' . '., '~ ~... ',- , Iti ... 1"'- 1.,- a 'Ii fr; (I'; , )0. ii, .. 'i~ '" ::- ~~, - , ~.. -- 'Ii. n;( , .-J: ,;3 ? r t ,l') "1'6 ~' ,...,: I,... [)-~, .... 'n t' \C~ r \;::. ~ , . ; II ll.'.1 U l;.}\ ,) Ej \ d" '" r ~ III ~.n I'iMIII! rlt.".W ,II. Meet AY 10"'1111. 'd,,,j;.. ,. ~ i ~ i ! ~ I ~ ~ ~ ~ iW I ""?" " , ... .' r,' <II ;- '.; _I ~ ' .. ','f- YI', : _0 " l ,li' , J "~'f f:~ r' .' ~:i ?l" ,.... ,T) .!~ \, l~.' , _,I " -) , l~' , ,. :r,) " ..., "\11:- . " I,) i \oJ l",il '.J i ~ i! ! I i ! ! ~ ~ i THE PRUDENTIAL INSURANCE COMPANY OF AMERICA, Plaintiff IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA v. NO 96-3582 BYRON R. FIRESTONE, Defendant CIVIL AC'l'ION IN EQU I'rv SETTLEMENT AGREEMENT The parties, desiJ:'ing to J:'each an amicable resolution of all disputes outstanding between them hereby agree as followst (1) The preliminaJ:'Y injunction enteJ:'ed on August 5, 1996 shall be and remain in full fOJ:'ce and effect until July 1, 1996 at which time it shall expiJ:'e and Defendant shall no 10ngeJ:' be under any restrictions whatsoeveJ:'. (2) Defendant shall deliveJ:' to the offices of Plaintiff's SAlOIS, GUIDO. SIIUH' & MASLANI> 26 w. 11IMh SIIl:cl Corli5k. PA counsel, Reed, Smith, Shaw & McClay, all originals and copies of books, recoJ:'ds, documents and supplies and all contract holder or product information of any kind, whether furnished by Defendant OJ:' obtained OJ:' pJ:'epaJ:'ed by him while employed by Plaintiff. (3) All items deliveJ:'ed to Plaintiff's counsel pUJ:'suant to paragraph 2 above shall be retained by Plaintiff's counsel for a peJ:'iod of not less than 5 yeaJ:'s fJ:'om the data of this Order and shall be deliveJ:'ed to Defendant and/oJ:' his counsel if reasonably necessaJ:'Y in any litigation in which Defendant may be a party, 1