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Home My WebLink About98-03928 \ ,.,,'"'1, ., " I' " )\ " Ii ;,' 't " Ii " ;t ~ ~ !S ,~ ;; p " " H , " ',1 II; h " " .~. j., " " ,I ~ . \:( ~ " ,,' " I .ti)j' '~';J;;ti~, lIt " " , " " " " ." "I' I' n \ I, I' " H ;; ,if " " " " i; " " " I' '; , " " " II , 'I, " (; , I ; ~ " I' " / I f! " " " , jt', If' ,i " /' '"' I}F _i' }.r " 'fi '".1' iI ,,' jii ,I' " " " " r ., \. \~ 'i ,1,1 ;,'\-'; II " fj ;. " " " " " i' .-., :0 .. t)1 0.1 ~ ~ tr)f " " " 'j " " " ,; /, " " " I' j; " I' ~j ~l ~ ~;, ,,", "'{ " " " I, ," " m,WN S, 1<\1131\1.,1" '.. , l'~q.j.n\:,ifiJ: :iN '1'11I1 COlJWl' 01" UOMMON Plllul\l3 Ol~, CI1M1311Hr'f\NP (:lOllN'l'\, I' PlilNNf.1YWf\N:rA 'J()"f" NO, !J1l-, 'J ,,,,,-,' CIVH, '1'ml~M , VI AL,I,S'1'1\'1'lu " ", I p(lf~l.nrll\l1l: NQ1'WlJl YO\l I\Ave been 13118(1 in COllrl: I :rt: yoU wJ.l'lh 1:0 Qefencl fI!JAj,l1/3\: I:he d1<\j,l\lf;l flet f~rl:h in the fOllowJ.ng PI\!JBfl, ,yo\l Il1U/.lt tfll~e l1at.ton . w,j,'t:h.tn tWenty (~O) cll1ys flft:er th,1.13 C0l11p1f1:lnt ,l1nQ Notioe <Ire' l'Iervec1, 'by entering i'l Writtel, I1ppel\l:<lnae perl'lonl1lly or. py " I1ttorneY I1nc1fi1ing in wr.tting with the aOllrt your qefenflel'l or o)Jjeat.topA 1:0 the 01cdms (let forth I1g<l:lnl3t YOll, YOll I'\re Wi'lrneq tlll'\t If: yon fedl to clo f.Jo, the oC1se ll\C1y proaeed without YOll I\ncl 1'\ j uclOll1ent I\lI'\Y be enl:ered <l9<1.tn8\: YOll by the aOllrt w.t thollt l;lIrthet' ", , < not.tae for any I\loney c1l1i,mecl .tn the Comp1<1.tnt or for I'\ny other a11'\im or relief requef.Jted by the plaintiff I \'Ol\' m<1Y 108e I\loney or property or other rights importl'\nt to yOll" YOU SHOULD 'l'AKW 'l'ltIS PAm~R '1'0 1\ Li\\,/Yl1lR 1\'1' ONCill I WO'l' HAVill 1\ MWYillR OR CAWNO'l' AFI/ORD ONDl, GO TQ OR 'l'HIu OF,":rCill Slil'l' I~OR'l'H nl1l,LOW TO I~IWD OUR W!UuRl1l YOU L/I~aAlJ HELP, IF YOU DO 'l'lllLDlPHONill CAW al1l'l' i', ClImber1and County 13ar 1\l'Il'IooJ.C\tiOI1 2 Liberty l\VenUe CC\rlis1e, 1'1\ :1. '7013 '1'e1(1)hone I ('717) 249 - 31li6 ", H)" " " " ,I v, ):1'1 'I'IIIU (!OIJH'1' Ol" COMMoN pI.,rur\S 0[0' ClIMI31UlU,MJP COllN'!'Y I pmNN~nNTlNrJ\ ,,' , NO, DO. ,??c:~f Clvn, '1'IURM ;!' M~r.,I3'r1\'I'm I Defendllnt: COMi:Ll\.illX " AND NOW, aomef'l the Pll'\1nt:Hf, Olen 13, l<ul)Elll, by his. f\ttorneys, Mde-lIns & R~\lldle 1 Elnd I11ElI~ea I;he follow,tng oOl11plilint: I . 1, The plEl1ntiff 18 Glen S, Kuhllll, IIn adult: individual resicj111(j Elt: 50~ [o'l:anois' Dd,ve, Meohanioal)lIrg, cumberle-mcl COllnt:y, Penn",y1VElniEl , 2, 'l'heqefendE\nt 1Sl\1l8t:C\t:e, a OOrpOl'lIUOn flu\:h9d~ed t:o Wd te in8~\l:<lnoe polioies in the COl11monwealth of pennsYl v/;\ni.!l w'ith <In offioe find pdnoipfll plaoe of bl\siness f,1t 6345 [o'lanl~ Prive!''' Sl\ite 1000, Hal:dsb~lrg, Dauphin COl\nty, Pennsyl;Y<ln:1a 17112,. " , I ~ 3, The pla1ntHf is the owner of a !!'Jf,l3 I~OlWwinql3 ,poat " , 'Wh1oh, between Ootober of !!'JOG Clnd JCjllUal"Y 26, If,lf,l7, W.!II3I3\:mrsd at: PC'\rltl'J St:01'flge in Hm:dsburg following the plC'\intiff 113 mc1JVlil 'l'. I',; .from Californ1f1, 4, WhHe in 8to1'<1ge, the boC'\t ellgine s~\stained clam<lge l'IS'l'I " , i: resul t of fl"ee!dng, " 5, 1\t s<lid till)S the boat: WClB insl\1'ed .by :deffilnd.!lllt: Ul~de):' ;1, ' " polioY'No. 0 90 609260'09/01 issued t~ plaintiff fo~ . by freeZing. II oopy of the deolarations page is at:tadh$el' '~~ IJJlthibi t: "]\," 'l'he defendant: has the text of the sntire polic:f 6, 'l'he boat sustElinecl dal11<1ge in' eitaesa of ,$1,000. " , l,! \ tixhlblt A " , . . , , " ., " ";;' ,. " " I' ,i ,. " 1', 'I; I' ~\i,~,~tll\I"'.i 1>" 1,'1 i,\lJ IIUlI 1'1',( "In " " " " " :' " H " ;, ',i' " ii' "ij' "('I, ,i " " '" " " " 1{.1 . Ii " " " " " " !L !! ,,'I r. " Ii, " " " " " " " ,. :,1 I' " ii, ,. . ;; ,; "p 'i " " j' I' " " 1/ " " " " " , , ., " ";' ,I " ,.-1, ;;'" ,. l! j;' "'., ;if UI(l'J~;/ '.j" III I~ I~ <>1 ~ n)' "I lU ~ '" n ~. o' a. t'lr.1 r.1 'U ;JIlI'( t~ ). )'IU \:1;1 l::~ S ~I ' e"'8 ~lu~ ~ US~i~ mw ). ~retl~l- ID~ e~ " !II 'rurl;~Q ,( " I;~ QIlI 0 ~~ ~I ~ 1\1 n' ~ mOl" G ~I ~ ~ 'I ~ill ,. .. ~ -'-J ~l~ I " I'I .~~ .'r~~~rn m Ct I; I:: ~ l~i, "J ,< Q "If ~~ '" '\' ~ 0 <: "'I - 0( ~ <: .. '11 :\~illill ~I '1, -, \',j ~ tl: li , "-irl 0 r.lr. l;J~ . :c '~~ eo t r- R~ee 0 'U ~ .' I '11~lea " \1 ~ :u '-I' . J r ., ~> r, r.jll1 " ~I ~I 'II '11 ~~~~Q~ n .. '" ru~ ~ ). 0 " ;II l< \I <: :~ "I' :J ~I 1"''11 rn'11 ~ ~I " ~ \1 0 .." 0 ~ -I ui .. .~ ~ ,~;ll . ~ ;II !I ~ ~T f! Q~ ,\ !<co r ;J <: 1:; r' ~ 'I 8~ .~ 'tl' '" ). r r' 0, Q -(). 0 '1' I ~.~ 8 ~~ ..~ E . I " ~ 0 ~ ~ .,~ . I r.l ~] ~ " ;1 ;1" ~'t ~ ~ ~~ ~ 1\11\1 ru ~~ ' , , g Us t;1 ~~t;1 " i' ffi " ~ " 0 -10 '" -&'i'" :u '" '" .. .. fijt1~ 0 ~ '" ~, .r.1 .. ~~!; ~ ~~o( .~ ~ ~g ffi ' -1 I;l 1\ 'tl t1 -<r;;" '" 0 Ol\~ 0 ~ ~~~ -, , .. Rl " 0" m '" ~ 1:;..0 ... -I" :u ., '" Q,.~ '" 1\1 -, 8 . ~ n n or 0 :;'11;J '1' ~. :; 0 [-I ~ .. ~ =, ~ q " .. :c -< " "' f,\ J, ~ H ~ z::t .. H "I 1'1 '1'''' , .. OH t!J ~ ;\1:', r,lt:: , " t-1 ',1 , .. , -, (:l 0 ~i ~ ,,~ .~~ n Qiii ~2 ~ ~ ~~ I H \;1' f;j " ~ r~ " " 'II '" ;u -, :I: I" n c:: ;u r.l .. -I 'll 'U {Il ., I" c:: :.. " I" "' "H ~i ~ ~.~~J ~ ",I-' R ,~~ ~ ~f , .~ IT" ruh",1 w '''' , '" I" IIJ ~~ " I'" I'" ~1 ,I: I~ I.' "' III '" '" ., . ~ ..;\] Ie' "' t:1"' 1 r.. t:>c:: t:J :'1 :c g ~ I . Vl'n~,' " ,,~l~~~( Ii ~lP ~(!J . il'll~ ~ 1\ ~ ~ ~ tll 'II "1'1 Ii N' ~ir ~ ijl~ ~,,(l l:itl ~'~ *, ~,11, ~ i'i\j 'I 'I ~ ~ !'itl:} ~ ~~ l!~ h~ fij m ',l~~ rn ~tlr,f:~ '1I J ~ Ii .\' "I' }'t'/ III \I /1 ~U ~\ "tl !III ~~ ~ M ~ n ~-I ~:~ ~~ M U. U!I Q ~~, ijU ill ~W ~~ I', n M ~ b ~l 1;\ I'to -I o -I 'a .. .. r o -\ 1; ~ '" 8~ <: r '" , ~1' l;1 ,fi' <: " t-l I-l R. 5 '~ U1 l:1 " i ~ ;1 1\1 .11 t( Ctt If' . '" ~ 6)- n.. !;~ roro !~~ p~ ~~ ~ .. HI ; \ , 88 :f ~ '0\11 0( 000 ~~!ij ~ ill ~1 ~ ~ ~ .. ~ -IIU ~~g '" " M W~) Cl +1 In l~ ;:J .. 1Il~Y1 ~~~ ~!;jr.: " '" t' rn If, r,; " ~ I' 01'1 (.\ J. I'I~~ ~ 'P.~' F.1 !ji~8 ~ nil' f;l , I ~ ij ~S , I ~ ~:~ ~ "IW ~.I ~ ~~:~~, ~ ffi h b,' tJ!il j ;;:~' ~ ~~i~ \'" ~D;;l~, ~ 1-10;.a '8 8r:i '11~ [i' ~\ ' n '. .~ri 1 ~~ . '~'l' ~'i' . '-I~ , I'-N I Q,\ " . Ii, f8W c) mll;;1 ' ~ ~., ' , " iiI' ,h i1i IS, J.,' to d ~:' fa n\ Ii! :: " H ~~ -<, v: ~ ~i i tTl ~t (> -.J~ ~ ~ .' " " ~l ~ '11 1-', ! ~~ "'ffl 1" El * ~ ~: Ii .1 R t ~l ). -I P ,,(11 dl ~' g; ~ ~ ;jj u: '1 ,1=1~ G \.\ ~ >< ;:1 '.10 0,," .~~ 'U ~....m >i ,Ill I-'~'" '.Jf.Jl f. ~~" , \;l t1 "',., ~~~' ~~" r.; d,,,. "". ,\, '!' Seellof111 (JolHlllhlf1QI OnnIlI1\IO(I I ....---..-. /, I' 3, WIW\ 1lf1lnhlrorl PnrQaf1 MUQI pn - Om \o\olllnlllll\Y lll1llor 1110 WnlorPrn" L.';, W",oromfl Mo(t!nnl PIlYlIlonle Molllonl f1nymonlfl oovomoo for <<II \," II QomnOnO 18 In)lJrluj, \11<<\ peraon, (if . mo(lloal o~ponoo pnynlJlo for ~\lcllly ,,'I'; . QomeOnO oo\lno for \l1ot person, fllllel In)llry 10 f1I1Y ono poreon olHll1no\ I: f " (to 1110 lollowlnol oxolloclll1o "00011 porson" IlInll sl10wn 1'\ I 01 Promplly olve UIl wrlllon proof of 011 1110 (teolnrullono pooo, I"lvl' ,'I,' Il1e 10BB, If WI! reqllosl, 11110111118\ Ilnnkntp\oy , I I)e (Iono IIncler 00\11: 0, \';, hI ,Give lJQ wrlllon nllll1orl~ullonlo We me nol rOllovOlI of uny ohllnullon ol)I/.1ln ooplos of nil mOltloul (",(lor 1I11s polloy hoo<<lIeo of 1110 , ,\ i'j rooorlls uml reportsl honlll'llflloy or InBolvonoy of an h11lll[ol1 I!\" 0) Petlnll 1I0010rs WI! seleol 10 PQrQOn. i 0 , Clxull1lno 1110 Inlllroll parson us ' \~ , ollonl\a WI! moy roosonably 7, Dill' Rlol11B lofleoovor PIlYl1wnl - " reqlllro, , Wnlorornfl ~lnhllllY . , WllOn wo poy mlY 1000, on InQuroel I. 4, OllrPaymonl of ~OBS - Wllloromfl pQrQon'Qflol11 tb rooovor from Ilnyone I Morllll111 Pnymof1ls 0180 boooll1oa Oll[S lip 10 1110 omollnl Wo may puy tl10 In)llloll porBOn or 1110 we ll!lVo Illll(l, AnlnslI[oll pllrQol1 mllst provldor 01 tile InoctloalsorVlooa, prolool t lOao rlghta ondl1olp liS 'I Paymonl undor thla oovoraOo Isnoll\n onforce Ihom, a~mlBslon of lIE1hlllty I)Y lIB or on Insmeel porson, 0, Bull AOl1hist Us 0) No B\III or oollon oun he hrouohl ;'-~.; 6, Our \.ll1llls \11 ~ll1hllllY ,:uoahlalUB 11I110BB 11101'0 1100 hoon Rooarclloso of tho numbor oflnsllrod full oOlllpllunoo Wllh alllho lorrns porsons,lnlurod persona, 0lulm8, , of tl1la pOlloy,. .. olalmanls or polloloo Involvocl, Ollr il) No Bult or aotlon oon bo brol1ght \ololllahlll\y undor tile Wllteroratl ogalnuI UB unclor tl10 Waloromll ~lalJ'lIIy ooveraOo for damagoa ~Iahllll~ oovoraoo lIntll tl10 roslllllng from ono floolclonl/.11108a will ohllont on of !In InBurodperson to 1101 oxooBcllho Ilmll sl1ownon Iho pay la IInnlly dotonnlnod 0111101' IlY " lIooluratlons pugo, All bodilY InJlIry )udUll1enlIlUull1BI1110 InBurod ' (1I! 81111 propsrly damogo rosultloo from person aliaI' aotllollllul, or !)y ono aooldsnlalloss or 11'0111 wrlllen ooroolTlol1t 01 tile Inourod '; oOl1tlnuolls or ropoutod Oxp08llrO 10 person,ln/urorJ parson, ond us, Iho samo gonurul oondltlons Is 0) No ono sl1alll1ove ony rloht to \ I , oOl1sldorOlI tho roallll of ono 111 a 110 liB 0 porty 10 0 suit 10 i oooldclIllolloss, dotllrrnlnoll1o lIuhlllty of on II Insured IlOrson, , I I I Puoo 16 I I,; C(, ,I' t/ " \ , 1J!. \ , .' ~. 'I '" 1,1' " I, " . QpnMnli qonlll1\lo~1 ! }~~, .. , , Q, "NqWly lIol1l1lro~ wnlororllll','. -- rnoonll 1 a, "Wn\lIrClrnll" rnoonlll : ~( (-',; .11 hOIlI, l1\olpr or \1011\ \rAllor whloh Yoll III V\lU[ wntornrnlll I. ooq\llro ownorahlp 01 IIUllno Ihu Il tomporory ouhatlllllll wnlllrcrlllll , II O\l[ronl prOml\1111 porlocl, onlt r. 0) non,pWlW~ wntornrllll, h 11," Thlo nowly noqlllroll hPllt, mCl\Clr or I'l' '4, "Yom wn\omrllll" 'monna: ti'v, " 11001 lrallor mllal: I" ,',f, 0) roplaoo propor\y Inallrod Ily Ihlll 1\) 1110 hCllllo I\ncl mCltClrn cloaorlllocl on ~oll\1Ylm 111\1 Iloolnrullona PII0131 unci 11) 10 E\C1~lllonl\l proporty, Anrl, WO Il) nowly opqlllrol! wOlllrClrnll, ; {i InaU[e oil olhor IlOlIl~ unrln1Ulors I: i , YClUOWn, Inll\lflnll AorllomOllt I' In rolll\noo on Iho Inforl11l1llon YOI! 1111VO I OOYOfOOO ullclor thin polloy IIpplloB glvon un, Allntlllo uorooll \0 proVlrlo lho I only If YQlI notify un within 30 I!"ya oOYOfQ[JOB InlllolllO(I on Iho rloolurn\lonB nftor 1110 pfPpllr,IY IB uoqulrorlllY you IH100 01 thlo polloy, In ro I\Irn , yml mUBI 11UY IIncl YOIIIHIY I1f1Y uclcllllon!ll pmmlllm lho prolnlurn whon IIuo I1nclcornplY wit I duo, Iho polloy terma, 10, "NCln,ownod Wllloromfl" - 1110l\l1B BIIllloot to tho tormB of IhlB polley, tho properlY of slmllur ol~o und typo uo cloolornllonB IHI[Jo ohowo Ihe uppllo!llllo Your wnllltarn II , unod wllh Iho ownor'o oovoroooo,llmltll olllulllllty unci " perrl1loslon,unc! not ownocl 11Y or Ilromlumo, Tho polloy upplloB only'to fllrnlllhocl for lho rO[Julnr llBO of un ooooa whloh ooour dpf'ln[J Iho polloy lneurod Ilornon, porlod,uo ahown on, tho doolurullono I" PllOO, This polloy 10 1101 oomplolo wlthoUI I I 11, "proporty Ilnl\1allO"'-ll1ounll plwolool' tho doolurutlonlllluoo, I Injury to or dllBlruollon of t!\n[JliJlo .. Agroomonla Wo Mnko With YOII I propllrty,lnolll~lno 1000 ofllouoo, Wo 1110110 tho folloWlno aOmOfllonto with 12, "TomI1llf'nry olllloUtuto wulororalt"- . yom I , " I' moon a property of olmllur OllO unci \ , typo uo your Walorarall, not ownod'by Donformlty 10 Blalo SltltllloB J I on Inollf'od porBon or u roolclon\ of your Whon tho polloy provlslona aro In oonfllot 'q " , , hnuool1olcl, whllo IlOlno tomporarlly with 1110 otulutooln YOllr 011110,1110 I I , , I UIIOlLboo!\lIao YOllr w!\lorornfli provllllonouroumonded \0 oonform 10 I I} ! , i 0) lallOlng oorvloocl or ropolrod: or BUOhlllululoa, I pl hUB boon otolon or doolroyod, 1'01104 1\, . '1-.1 " l!. " " '..." ';;/1 " I, ,'oJ.' " \ ',' , , ., I., , ".' ,Ii '1' , '.\ L " " " I~ " ---..'----- ~n\lrnll Onnll[!lIlld, Opvllrlloll Olllll1l1oo YPlIr proporty IInlll II IOrHI! ,4 Whon AllolllllllJrol\clono oovura[Jo c1\trlnll roprollunlnllvo 10 nppolnloclllnrl Iho prOIl1II1il1 porlocl wlthoul OhllflJO, YOII qlHlllflod, . ) hnvo Iho now fOllluroa If Yelll hnvo Iho I OOverllOo 10 whlo/Hhoy applY, Olhorwlllo, Orll1polll\lIon I 1110 polloy ol1l1lJO ohl1n[Joct only hy Yollf l1/ohl 10 ollnoel: ; , ol1l10rsomenl. ,Ynu may olHloel thla polloy hY !'Illurnlno II J 10 uo or hy notlfYlno 110 In wrlllno of 1"0 II The premium for Ihla polloy ISIJao.let on fullllo doto YPU wish to alop oovoraoo, \ IIIformllllon you hoVo olvonllll' YOlllloroo '} to ooopoflllu Wllh liB In e/olerrnln/no If Iho' If you oonoollhls polloy, or filII 10 PIIY tho' " IIIformall\1nlB qorrool ami oomplolo, YOII propor premltlm anel wo oonoollhlB polloy, 1I11reo that If Iho Informlltlon you have Yallf roturn promlllm,lf IIny, wllllJe . ~ ..' , olvon 110 Illlnoorrool, Inoomplole or onloulf.ltoct ono ahor! 1'1110 bClols, ohllnoos, Wllllloy Clcllusl YOllr promlullI l1oooretlnolY during Iho promltlln pori 011, Our I110hl IqOClnool: AlIlltnto mClY ol1noellhlll polloy lJy rnalllno Any ollloulllllon of YOllr premium or 110110010 YIHI III Iho molllno aclet/oss Ii ohClnooa In Yllllr OOverClOO wlIllJO mlllto showl1 011 tho etoolornllons PClOO, \ uslno Ihe rulos, rotesol1et lonno On IIlo"lf requlroe', for our (fao In Your slllle, Tho If tho oanoollollonls for 11011,paymol1t of I ralosln elloOlol tho beolnnlng of the prOll1ll1lT1, wo will Olvo yall ClI loaat 10 IjClYS \ l premium perlor! Will be lIaoel to 0l1101l1010 1101100, If tho OOl1oellCltlonla for OilY olhor Clny ohol100 111 YOllr premium, ronuol1, wo will olvo yall Cllloaat aD claya 1101100. '! f1olloy'Trol1sfor . il , , YOIIIllUY trCll1stor Ihla polloy 10 Clnolhor 0111' 1I1C1'"ng Iho notloe of ol1l1oollullon 10 : l pOlaon only with our wrlttOI1 001180nl. YOll wl,lIlJe doomocl to tJo proof of notloe, , oovornoo IInclor 11110 polloy wllllormlr111to ,J OonllllLloo oovornllo Allor YOllr poolh onlho affeotlvo elolo Clllll hOllr slutocl 011 ) If you ello, oovofCIlloWll1 oOl1l1nllo until Iho llio o~noollollon nOlloo, ~j onel of Iho promlllm porlocl fotl , 1) YOllr logol roproool1tutivo whllo ootll1g If wo OCll1oollhlo polloy lor ClI1Y rOClBon " ;1 aa slloh,lJllt only with roopeollo Iho othor 1I111n l1on,pClYlT1ont of premium, YOllr proporlY oovoroel unclor 11110 polloy on relurn prollllum, If ClllY, will bo OUIOUjl1teet ' ,Ihe cluto of YoUr elouth, 011 n pro rhln bnsla ClI1e1 roful1l10l1 III ho \ limo of oanoellnllon Dr 00 BOon na I 2) tn Insuroel poraoll, ClI1c1 any porson pOBulblo, Howovor, rofunel of. 1111 OCII11 ocl 1 . laving propet lomflorory oUaloely of. promli.11T118 nol (\ oondltlon of ! oonoollollon, l'ugeB I, ~:I, , , " ,I .,',\ ",/ ',' >:1 ," 'I', , \ I " I I i I \" , , j" ""1 " ",' " .1'; '1 " " " '--- ".-~ --,----.-.. 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Ij", IlollUlll' 11011" l,och"''1rt5'.---W';1T!Pl.-' HUt 0.1 t Hntln. hl\r.h_.L7L...___ _ __.____ ~'~II~'.(~~~I....-.~ZJ-- ;!(J/::/,lfIt;Z I[" ('V~'-al.1i"5 PlfiASSI:i,lllLI1 , ,,__ 1I1,^SfillHIJI.I,' _~_ I NOTlll ^rllol08 0180880mlll01l IIV olll'lor Cmrlol' Cllllvonlonco Will , , 110 ro0880mlll01l ot no oelellllonol ohmoo II 'O~~~O$lo:~__ _. " 'mM~~\ J~Al'.LA!>'J,' , A'IlU>t!LCJ1'~N'1\Xl!.'J;'~ , ,I,' 'l"'\,~\"\" I (~~',~\"ll ~ ',Ii' \/., I ';\ '11,,/,. r"~f(' , -I'~'j\:;':\, '.. ,01. , \,:H t,U 1., ,~,~" ,I lI)U ' .1' I' :~nl,;;:, I) '{l flClI(I(~~ 1. .I',li~h!iltilrli'lj,!!\!I1!nll :-:1:., ,,',,''1 ,I;' /(':'\\'<'i!lll' ,I'):'; ,.t,r';,1 :~,l,l, ~1l111:ll'Ili l')lIII'I,IIIH 111'1l11l1l1lh: 1"'1 1'1I1'1i1111\ /111>111',1111' \'111\ 111'1,,,' III' 0\1'11'011 illiliillioll,\lfllw 1,!III(l;,ldii!il p!:J.'I,illC! ll\hWr, '1II1dlllllllld:llIlI 'lnhol' fill 1'11011 '1111111'11111111'11,1111 ii,'" ',llil'"I1"" 11111,11': "IIIIIII'd 11'1111 illl"I'll\I,'d \If 1111' "1111,1\,1\: !,lIlIlllllIl IlII I~ t:ll,l' III' JIIIIIIII', 1I111l1; nil 111'11111'1'1'1:1111\ PIli" 11:111 ""II\llilll'l'd'.'lI's fill' llil' sIlIjllIlI'ill, Yod 11111)" OIl~loIIIOI' I'I'IlI'IiII'11 "llllllIIlItlI'S r1111'lIldlllll Ii 11 II 11111') I' 'I 1 1 I II' 'I I 1 ,PI'lfol'lI1\lIIIlIlIIlI' !I\llil'" :11~lnl IlIhol' dlllll\I' llill./N, 1\'111'11 'I "11"'''0\ /1'11'1'11111 Il I 0' ~ Iii 1I1!!'111 , ' II l'l'II'I' g II's 1\1111111'1;11111 Is 1'\lrl'l'l'lIlUIIIIIIIIIIIII' III' 1\\dl\'I'I)" 1'111'11111 11'111 '1""["1111'" III(' ;1111..11 i1II1Y.IIPS;\i'IIIIII,', Iillsl'd IIjHllllliill' r\,:I,I'~~~'\! ,~\l\~V},\W,\I!'11 \,1.\I,~I~'!<<:I.'~;Il\' ~'\!IW,I'rlo,'lm~?}"I,\I\!1i III \1,:,1:;\\\ I,u f" ': 11'11'" 1,1i 11\ \'!II~: ',II " 1'\1/11,1111 I! !s'~'I'rHI\~W,\~d, ,ll1i\\!:IJ,\iJ\' '1I'I!/l1 '.I,\}(~~i 2'i;,,:',^il/llllla\'\I;~l'LY,h;i);\'llljr ",VI:, ;~<\\::,iX'II"t"""<:,, "i:.:iltll,lj' , ; \lihdlq/,III~,~\l1 "':" " ',.'.',:,\::;:",:",;Jii:.,,);'t'\iil:'~: ,',il"li~l! 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II/II III II dll \l'hllll'H<lI' 1'/11111,' 'Io\\!lll 11t'I\lh I I' \,1111 lilt! !!lIllhh' /111111\'1'1'1 ''''11\'1'\,)' of )'(lllf shl 1'I1\1l 11 1 ' " S 11Il1'1'1I1\lII\d hl' l'III1IPilll~' 011111t1'1 IlIlId 1'111 I)', \1111 ('!lIIIi'1 ,11'1111111 lilt 1'11'1' 1'0'11111111\ Ii II II' (, IIlI\l1 1'111 sIIII'Il111l1,IS 111\11'1"1', Ihl(l~ 1101 111I.ill'III' Ihl', "~"I'II'," '" 1111'1"111101111111)',1''''1' Willi:, III' 10,WO 1I!lIus; :1 11'1\11:" :WD /111\(:1; 01' 1Il00Y) 1I11111nolll ,_, '11I1I1I~hlp"('?III'1"'1 III 11111 11''1"11,'" 10 '1'1111\1111\ pIIIIIIIIIIII', \':1\1'\11111' 11'I'll'lIl.l'\Il""l1~' 1'1111 III'Ii I \\'1\111111\ 111111' 11111111111111" IIIocll'iI'II1 III "IIIII\'1III~' ",('I \'II'II~ 1I1'1'''hl"i(~(jh ,lIl1e"IIIiI','I, I'" 1'11'1'1111 111' II 1111 Ii' , TilerI' I,; 111'11(11'1\1' /1>111111'11 h01lf I'" 11\'\'1'11 111111'1',1'1111111'1'1 1I'Id /1'1",111111'111'11111111111'11111111"1\1'11111\1'0" ~'::llllll'I1L IIlId ~:()() 11.1Il. 1,>tI1I1 'tI1I\ilI",~I'III~i\'!J OfSlllHllll'H ' '" lilliI>' "I 1\1111"'11111 IlIlidllYS, '1'111' IIltqlllll"'\II~ 1IIIIIIIIdlll!\" Iii II \l'111(:1I'r'III~ll 1I'1d 1111' 1.'11~1(l1I1I'1 will 1I11\'1l 1\'IIII'h()II~" IIl1l1dlillll, "III!iIl\l' 111111 ill""'"I')' rmlll \l'1I1'l'/11111~~ II);P""S\', 1111,1 l.'i'lI"\'II'H'IIII)' II 'lIi1l' il,' II'S:: I'~I'\'IIS"'II 10 PI!)' 101' 1~1I11_ il1n 111111' Ii II '" 1101 1'''1 1111 1'~I'(I:lI'1I'" 11'IllIlh 01 1111111, I II,' ,,111'11,,1' j, 1I1110hllHllkd 10 pn'\'hk 1\'i111111l1 111111', hili 11'1' 1111'" hl'l'I'\' III "" '" 1'.'11"11 11'1' \'1111 "PIli I! III\' \IIil' 01 1111' I'qlllp- 1I11'111 I (i,I,.\,I!IILuhll.!. ' (\11I 1111'11'1'11 1'111\'111,' 11111111)' /lIh(l1 I'hnl'/I"s fOI'I"'ll'olll1' 1111! 1'1''1111'1'lod '''1\'/1'", 1'01 whkh ~1'(,l'il'iI' 1'1'116 lill\IIPI I'lIh /JShl''', This 1Ilqi"llIlIv 1'()\,I1IS 1\\IIII'IIII's Hllcll IIH 11I1:llIg liP 11I1'I;I'd dlll\'I\ [,III'PI,t/III\, 1'1Il'!:11111 lJI\'llUl"~ \'011111hl01'1, olc, II, l\ip:i111\1'1' S('I'\:IcI' 1111'11;;1"'\\'111'1'1' j~: Is 1I1111'11S~lb'" lololld Ihl' shll'll1l'lll dll\II'II)' 11110 or ill'II\1" illl'ca I)' 1'1"1111 Ihe /l110hl'",1 \\'hk'I' I>l'{'I\II~\I or 1'1I)',1c1l1 1"1'1'11111 ehlll'11I1Il'l'lslkH 01' SIII'I'I)' 0011- !ijdl'IUlil111!;, \',1111 1Il1I)' IL'IIIIl'sl 1\11,\111111)' ~olyk,;, Till, Is wh"11 )'11111' l'IT,'ol, III 11;;1 1>11 I I'll II S !\. ITl',1 1011 nlllllllul' I'ohlpl(\ 10 I Iii 1l1'I'"1'1 IlIulIl 1ll'llI'lloll tile II 110hll II I.. 011\111'11111111 IIIHI )'''111' II's dl'IICI', i\1l 110111'1)' chl\I'BU I~ IIssossod fOI'.lhl'III1XIIl, 1\1')' whlclll I'llIs till' Iuhlll' l'hllrgo fol' (111['11 mllll 1'01' llwllmo eOI1SllliWd 111 IlIu 1',\IIiI IUI11dlll111,'TIWI1I101'/1IIIh'(ls IIfIl 10 dldlwl' )'11111' Shl/'I11CI11 lOll WIIl'lIholllie III )'Olll' e,\pOII,11 nt )'011 IIll1sl 11(;(',,1' II 11111 1'01111 10 II'hlclllhll /ll1ohlllll I'ohlclo ill II ,V ho H,![ol)' ojlol'lIlud. , ,,' , " , ' <t:, " \ 2, Ovor.l!Jn~J!.!!~'Ml)fiLllill'4,.ckll1!1 . .. \Vhull )'011 ~jlocllklllr.1' roqllost' j1llcklilll 01' 1I111'IICkhlll 10 hll .1'01'1\"1'111011 011 SIIIIII'<III)'S, SlIl1dll)'S, or 11011"/1)'6, ',1 1I1111wl' sullo,hllll :llf !lIbol' I'lItos wI/I hll Ch"j'llOd, This WOl'k ' will bll fllll'fol'lllolllll stlllHllIl'd I11tllll'Il0n II '8 t>ol'rl,ll1l1od on . Ihl'HO dllY~ III Iho ClIlTJot's ofltlol\'Ulld 1I0t' /11.)'0111' 1\III\I(\s(" " I], OVol'lImo LOlldlll,utJillolldllll! ,.' li'yuITroiji,osl lonellllll oTlihllllldlllll 01111 spoolfll) 111110 wlllllh Iso 1>111111'(111)', SIIlH II)' or lIollIll!)', tin ovortlmo flfO. III II 11\1 Chlll'l,W, hll~olL Oil '(lIo"Wolllhl, of )'0111' shlpJl1onl\ Is UHHOSS\ll\' This WOllld 111611 blllnlolf you' tOlluostod Hlo sot. I'ItI1 111 lll\ pOl'fol/nod uftOI' Wl1f~llIn houts (blllweo/1SIOO 1),111,,'& 8100 U.lI1,) 011 n wook IIIIY/'pr whon prol'ulllllllla\\'s' IIl1d "OldllwI1CllO 'orhl.llidlDI'il...rO"li fUlIlonts., \VIII not lillo\\" : ,I IOlldlil[l/lIl1lolldIIlU ,dlll'hlll'IIOI'l1ln ','Wl1l'ldl111 holll's 01' woek, dll)% Tho ovol'lIjllcchll'rgo doe~'tl'o'l apllly Ivholl'shlpl1lol1ts IIlll dlllll'ol'\ld (0'11 II'IIIOhou!w Ilt ,\\'hon"(lIo \Vol'k Is 1101'" l'ol'lIlod dmllln Ih9 IIhtlvC IlCIlods'til fht\ Olll'tlol"o o/lllt'n rti\d lIolnt )'11111' lOClllus!.' " I: ".i" " ;1, 1\1:tliil'I"';III'/I"'"I'tllI'.', '1'1'lInh\Ii'l1'11I111I1I 1IIII,,,"IIII'llId,' l''''I:llp 1'1'1'111 11,:11111'" 1\\1, dl'l""i 1111" 11'1111'1\' 11111 1,111/1/1' 1111111"',\, (.'111111"'" I1Il1 1I"""!:'iI,d 1'111' 1'11\'11 1111'1'. III' 1'1111 "''111/111111 "lIlll1dllllllllll I'kl:'1I1' III III'''I'III~' , ,I. 1\II'I'!IIIII/1;IIIII ','11111'1' II 1111:1'11 IUII/II'I IIl1d 1'lIlidli lilI,I1"1 IlIh(ll' 1'(1"1,,, 1111'1" lilt" 11111111 lUll II I l'illlllll", 1\'/11'11 II ,,"IPllil'lIl I:: 1'lIl1h''/ I'rullI III '11,'1/1"'11,,1 III 111111'1 1111111 1IIIIIIIId 1/111'1 11'\\'1. Til,' I'hllllll' I~ IlIlIiI'" 1111 11111 1Il1ll1liul'lIl' fIIghlli IIlId II'llluhl Ill' IIii' ~hlpllll'l1l 1I'~':Il1h/l'I' II/' IIl1llllllllhlll's II'h"1I 1'111'1 Ill' II ~lIip' 1111'1111, 1,1'~!l 1111111 H ,II'I'~ It, IIIlI l'IlIII,I"l'rl'd IIl1lphl. ('hlll/!I' 1I1I"s 11111111'1'/)' 11'111111111 ~lllllh, /lllIllIr 11\\'111111111, S,I'IIII1I1/01'l'"1! , 1\'11"11 IihlplIlI'lIlilll.'i\ldllli II ,,11I1I1l 111'111'1111'\, IlIHiII!IIII'!' 11/11111'" Is lI~hl'HHUII. 1111"11 Ill'ill~ /11'111'1'1111)' II'IIIIII\~ !ISI' \1/ '1'," l'illl "111111'1111'111 1111<1 111111\(1111111'\ IIXII'II 11l111'1I1s, I hL ('111111'" dllllll IIIlI 1I\1\11~1 1'\11 1'1JI1,lIhh' Ill'jlllIlH ,Ill "XI1l11l1i'1)' SIl'II11 pllllllls ('111111) (I or 11\' 1I11l'0111'1'lIh'lllh' '!IIITI\ld h)' 011\1 1'1'1' ~Illl, II'ltlllil II HIIlIlIt. f'l1I,,(I)' ,\1\1'0,1111111;11 ~IIIII' ':1"1)', dllll/!II lllll)' 1111 IIppllt.d \III lIil1 \l'lllgh 111 II plllllll, Ill' 01'/11111 pl'ol'ld, /,111111 I1ll1hl ('IlIlHINIH Ill' III h'"H! H ~h'p~1 . '!' "", ,'. ., " 6, 1'!I!!III.:l!!n:, ' I' 11'1'IIIlHllIllIlIllllll IIIII'H 1111111111\, 1,'/1 ITY Ii III 11111 Hl1lplllI'1l1 II . IItH(III'1I1\1\11) (I) '/5 1'1'1'1' ^ 1'11/111111 11/IHod Ollll'lIll1hl.IH 11111111' 1'111' 1Iljd\ 50 111i\! 01' 11'111'1"111 11"II'Il!' (1I11~'011r/ nlll 1'11',1 'IS fOIl.l)l!>!, (hIlIlIHlllll\\1 lil1tWL':Il}WIiI' ,v(t lI"\(1 ulljl~lIW:\l'\I!III1C" Ilnll~' NlIIIII'III1Ylhl\'II'lvnI'1l11l~1 \1/I~~~llk'(llo \',\n 1110",lool IH tllll'l1u 1I1111plil'H \'"II'OIlHhllilllllll,l~ ,/1\111,\1:, '11'1111111 11111111, hlllllll!l'II)IIlIIllI' 1111111111111 (11(111111111'111 1111\ h\.,offl~( 'hi\lIdlllll) clllll'lIo IH IIlw 1Illllln hl! 11'1'(111' hlllldlllll 11I111'1I11l!(\.111111111'1I1I' I1wnf.'lll'oITlm," "",' .,.. "II:;" "'I'"" 'I, 1l1l1l;Yi\'ljlll" ...' , ',~, ,. Ni',jllll 111""'\1111111I11111('1111111 hlll'lll1u1it 1I11ch:iiHI\lllnlllll' hlhIHo,lllIlIlIIH,l!1I111(lI1I',hndlllH, h\lIlIHo'ullll"lill' l!o/IIPIII'lIl1wl)' IIl1hll1l11111l111\ 11(1 1"11Il h\ IhuY1111 \Vlllohl~ IIIlI Ct1mlll'"~II" I lilt. willi 1I11l1i,WIII\IiI; PI,II' /110111111'(1 mlll'illillhl.]lllli "1000 \IIIII1II1H Ill' 11111'11 \I III '111\11, rill '!I!lR'iIlII1IHi)1,11t'11 1/I~,Il,ll III' '1' II ,~fJll pllll"d lIllIl, "III.~flII1POllMlhllhV'lJll! 1111/11 \Yl'lllll.lIl1r1 IIX 1IIIIIIhol IIIII/IIt'IIII!' lllllllll'tltl '19 Inllll' hlll,ky (olliS of (hth 1111(1111', 0111 1111 IT (l1I,IY]11111I If ~illIl'IIIII\I ,II: l'XIII\(9hlllgllS fill lawh Iillll'iilh, " " I " I \'.'11 " 'l.." " 'iI:, hL \,/ i. 1" h/I' ,,/ ll! ~. 'I' f. I. I, I"~ I' "1 ,.". ,.1 t-l II!J P I" '" 1'/ ,..l/l IlIiJltll,.oJIJ N .j I' jj, I' J "I!1 .j 'II 'II 'II "I 11, 1'1' 'IIJ "I '0 'II iI, ,.:) -I t.:J In 'II UI '-JlVlIJIl(! 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'.-,~' --,-,_ _,.-;"",_,""\,,.\..:, ,'::;".,,; ':: ':,"_!':U' '-\i';,--,'i>';'J;U;,"~,-,":~ '" ," OI,jiJN ~, !<UI31\T"I" plldn\;J.ff , IN ',~'I1!il COUR'!' OP' COMMON PWI\13 Olil ,CUM!3mtU,I\ND C!ouN'l'Y, P(jJNN~YIN^NI^ I I' NO, ~a-30;aO rJIVTl, 'I'ITIHM .. I , I " y, 1\r.1"f'l'N~ 'l'!TI, ps f: s\1ellll1t PI,I\INTII'li" 8 RBQUBlS'I'Bln 1'0]:1'1'1'8' ['OR Clll\Rmn l\NP NOW, oomes the Plld,ntHf:, Ulen S, !<qbl\ll, by h:l.s I\t\:orneyp, I\qdl\mp & !Umelle, I\nel l:sqqe(3ts YOl\r 1Ion01:l\ble Co(\rt to chlll:He I:he jury A8 foUows I :\., Uncler the lElW ilnel the evidenoe YPlIl: verclict: \11\.\13t: be .~ IfH in . fAvor of: the PlailltHf,' ;a, The oour\: al'! 1\ ml\ttel' of lllw determines whether i'\' ~ " proyi13ion in All inf-lt\l:i'\noe poHcy .1.1'1 ambiguotw, 'l'he oo\.\rt hi'\13 80 el'etel'mined, Anel I 11m .1.nstl't\o\:ing you that. the.. e:x.oludon in 1:l1e polioy (3tAting thi'\t there is noooyerage f:or ~ losf-lf:r,om . II f:l:eezing, . unle(3(3 yot\ hElve useel remlOnable oare to proteo\: your WAt:erorElfl: IInel boat eqq:t.pment, II .1.1'1 I1l11b.1.gt\otH3, Herr v, Clr:t.e:r., 440 youy?' PEl, Super, 216, 220, 671 l\,2d 2;!4, 226 (1005), 3, Deoause the exolusion .1.n the poJ.:I.oy .1.(3 ambIguolls, verdict must bs .1.n favor of the PIAint:t.ff, 4, Deoat\se the exalus:t.oh :t.n the pol.1.oy :I.s AmbIguous, :t.f . YOu~ f:t.ncl that Mr ,'KubaU bel:t.eved thElt he e:x.e1:cJ.seQ l:easonable OEll"e, 'your verd.1.ot l11ua\',' be in fElvor of: the pIEll.nt:t.ff I , '~' , ~rl1'll!ll1:r.l'\l1cra"poHa .1.13I:I"~l'1f-1Tr-o~ra'elrce""/jBl'n'lnlt'I3"uf.-aclhGa ion,' , , ' t-I~~ I' .,.~ ' . ' II -afld'hGlQllaeqt\e~'l-lr.1.y, lt1'I~mbt1JtTi~T."'"1:1"~o.a4tl\ii\;l1i' ~I~ langUElge ~El' ..' ~ . .", ..... '-, aonstJ:t18d str:t.otly ElgEl.1.nst the J.llslurer Elne! :t.n f:llvor of: oovel'age, '~h~~~ 1~"1't 1,,1. N.J.f to.. d/~l'l(t(E (,~.., +13 tflW..~tJl..l..(e 'J' ~~Itt. ~ h-.~t4.. .t~;l~ '[T'~ ~ ~ , ' , ' IN TI-II= OOURT OF OOMMON PI.!:A!3 01= OUMI~r:RI.ANP OOUNTY, PI=NNSYLVANIA NO, 08"30~B OIVII. TI=RM G~I:N s, I~UI3AI.~'1 Plflln\lff .. v, AI.i.STAT!:, , , : JURY TI~IAL pr~MANPr:P PQfondElnl Ql;EeNMN'T'-Al.l.ftTA-.T.E!tLP.JlINT..ft.E.QRJJI:tAB.Gt; Roq~IOB\\3d InB\ruo\lona from 1110 stElndmc.1 PonnaylvElnln olvll J~lry Inalruo\lonB 6,03 N~lInpel' of WllneaBOB I. ,'j; "" " " " (, , ~ , I '1'" " , ,; I: " " " (' '. II ,i " - \-, '~I '. '\ ,i, ,','\'. , ,'" Jl J ,;'.,,' '\ , """,' ," ,11'[' j..- l\ 'I, ,,',1~t':~,'Uil't'i"1t ,'; 1,\ ,~!,'J'!!\ , :. \ 1 ,,~l['l~' ..~~;\, \,\; "\' I' ',If.~' II ,l~, 'llj.1", II,' )/',", ,\ .\\ ';"."\\' ,,.' "~'''''A'M 'i.....iDilliolnl'.,;: '". 'ii .'\,: ","."" 1:",,,'I}IIII,I,,I"I:' .. ;'1 fJ' f~ '"I 'j .r:Hry mt 'Tt1t'lf/~ 1.~,' , " "jq ".. ,- " "I;. ',\ Ii \ 1\ '''l~l " ,;,f' ~"tJ'l !"':,,,,' ,;' )"r."',/,(.\,;I:;I,I."\I "I ''';' ,': "I,' \ ^1igft\I~\Nl!T-\..A.y/I"".\" "., "', I"";' I'VI~",;.i[,{ ",Ii I." 1,l""",,~ ,"J' a'OAnrU,'! ".h'~:' If, :':"1.'(' \, 1,'f,"'l"I,j.,\" 1't11::1\'~,('''H"tl,\""I''\1'~1I7TTn:~,1P 'MTfl~lH ,',If, "'I; I~'f';,\~;, '~\'I'."Li; I'''c:f'ml ':':X~'\~(\\;:~\)": ',:,"::1, ';~~R~I'r.M( (l~NN'~~V^NI^"17Rlq I I \ :'l'\"~:':: ,:; ,/,:",;" ,; :"!It ;:'. ':JI)!'(~~1t,~ ~;J'l\\~L:J.\tt \I: '" ,,_1:,'. ,", r~~W.Rttg~n .'.1t7),8~V'9.~9a _ ,I_I, ", ;\1,_ "1'" .J, ~'/ 'i;'{, li\\' 1_" :?'~~\;_~.t.__b'~t l '\~',yA'''. -i,l\,,; """,' .__-_-,~-.I. 'lfl;',' ;' '.-lj , ,\~'-,.~!,) '>.::'.\':; -, ';;\J,d~ - n""!;,..".",_,IL-J:',il,U,,,- -i,!,H'N G~JmN ~, l<IJBI\I.,I'I . Plclln\: If: I' v, IN 'l'lllil Cl~lJl~'l' 011 qOMMoN PIJml\~ 011 ClJ~lImIUJ/\NJ1' 'CO\JN'I'Y I P1ENNSVINlINII\ 1'10, !JO-]9;:lO CIVI\., '1'I~HM ,1\1"I"W1'I\'1'bl , IJeJ:enclnn\: 1'1,/\ I N'I'J 1;'1" I fj '''IU l\T., Ml!lMQRllliWM l~r.a " Mrj Kuball ownecj f\ boat that wnp inBllrocl by Allstata, . pol ~oy a~olucled 101313 J:rom II J:rea~lillfJ I unlesp YO~1 helVe upeq l-eaSpnn!lle of\l:e to proteot YOllr wateroraf(: ul1e1 bOl'\t eqUipment, II '1'l1e . In the l311mll1er of 1.!)96 Mr, l<~\bEl11 moyec1 I:]:om Cf\IHornia to Meohe\l1ial3purg I '1'118 be!,lt Waa plaoeel .i.n I3torage .i.n HaJ:l-iI3P1-\l~g f\t PC\rl~13 I3to1:C\ge, In SepteI11P/ill: I ,Ml-, l(ubC\ll 01'\ 11ecl Pf\rks I3torf\ge 'e\l1d f\l3lced f\pout J:reer.ing, lie wal3 C\I3S11];ed thf\t. the betlt wo~\ld be )~ept inl3ic1e C\nd proteotec1 J:rom freezing,AJ:ter getting his boat but .. of I3torElge ill January, MI~ " l<uball dil300yered thl'\t, tj1e motol.. hl'\cl peen dtlll1E\gecl }\13 a rel311It of: freezing while in I3tOl:C\ge, A1l13ttlte " hal3 denied the oltlirn beaaul3e Mr, KUbf\ll, perl3onally, ditl not IIWinterizell the boat, AIWUMmN'1' " /\, T~ul3ion II Preliminarily, it il3 well. set tIed tllt\t inl3\:lranoe pol ioiea are in el313enOe oontraotl3 of adhesion, and aonl3eguently, any ambiguity 01: unaerl:aintie8 .1.n language are oon'atrued l3l:l'iatl.y againet the insurer and J.ll favor oJ: ooverage, II RanJ.el i v. Mlttllal " J,.ife Inl3, Co, of: Amerioa, 271 Pa, ,Supel:, 261, 270, 413 1\,2d 3%, 1(>0 (1.9'19), "'t'h'a t\\f,l)\ at: in(;13rp1:e\:il\g [<In il1/3\\1:<\I1oo] 'oonl:nlO\: :ls ganm:C\lly perl:01:1\\ec! by n ClO\\I:l:1:nt:)wr tl1e111 <I jnry, II Galle I< , ~rey I3\1Uc!snLJIlCl, v, P.rUillflY-1Van.in MfnJ-,---^sa'I1, Ine. co" 61./1 1'<1, '120, 1116, 61'1 1\,/1(1 910, !l1.3 (1906), 1I11'I1e oO\lrl:, ;'IS <\ 1\\l'\tl:or of l<\w, Qel:al:m:lnes t:he ax.i,fJten(l13 of: i~n nmbimd ty, I II , 11131:1: v, Or.ier, 440 L'n, (3\1iiar, 216, 2/10, 6'71. A I 2Q 1124, 226 (1996) , "Wl1are <I pl"ovision of i'l poUr.IY j,s <IIl1b1gl\01l13 , l:he poliClY pr.ovision is to P\3 oonsti"lll'lq 1..\1 f<lvor of the illBl\l:eQ i'lnq C1g<\~nl3t the inf3I\l:er, the qri'l f t I') 1: of the <ltP:esll1ent, II Gelle lie Harvey l3u:t.lde1:S, " .l.1J1:L.., f'Il\Pr<\, l3eefllf,lO, R1..ooio'x'l A1\\edofln REJp.' IllS. Co" 550 PC1, " /154,261, 705 A,2d 112;1, 426 (19!l'7)/'l'enos v, I3tal:e [i'm:m Ins. Co" 716 A,2d 6;16 (PCI, (3uper, 1990) / Warner v. ConqnBlltal/CNA Ins, QQlL., 466 Pa, Slll?er, 295, 303, 600 A.2d 177, 10J. (19%), Thil3 polioy excludBQ lops from IIfree~ing, unless you have useq 1:eC1f30nC1ble OC1re 1:0 prOl:eot your Wal:eroraft anQ boat equipmenl:, II 'rIle exclUs.i.on is ambiguot\"l because It: requhes a 13tlbj eot'i ve inl:e1:1'rel:al:.i.ol1 of "reC1son<lble oClre" 1:0 (Ietermine . , whel:h€ll: a 1013/3 is covered, n:V8J:Y claim musl: have an investigal:ion, and avery claim is supjeOI: 1:0 the..djuSl:er's opinion of what: il3 "reEll3onab1e care," "Where \:he language of an insurance cont:L"Elol: is cleClr and unambiguous, a OOUl"1: .ia required ..1:0 give eHeal: 1:0 I:hat: lClngllage,1I WClJ:nel", sqpra, bllt in thi/3 " aonl:eXl:, I:here is 110 plain meaning of IIreasol1able aare," Simply ~utl Cln insured oannol: look al: t:he Allsl:al:e polioy and b~ able to I.'J del:eJ:m:t.nEl what: is and is nol: oovered. -2- " " !, ., ." ./ I I .tl1o OlrO\Hnall1lWos undor tl10 Inwa of noglluonoe on 11 dully IJI18IB, AB ovl~len(1(1<1I)y\lle Pluln\lff'fl own oorrespondenoe wlll1 Allsll1te, 110 oonpodoB 1I11111111s lalhe doflnlllo;, of rOnaonl1ple onre, In 11101\01' 10 AlIall1le from Mr, l~uPI1Il, dnlod Boplemhor i26, 1007, (1'1l\nol1ed l1erolo I1S !=xtlllJII "A") 11081a.loa 111111 "~rleasonnl)le onro la Il1nlwl1lol1la r0I1Bonl1IJlo glvon Il1e fnols of tl10 0111:)('.1," ApPI1j'ontly, 11e l1as slnoe 01111noocf 1118 mind npout U10~oflnltlon of tl1l1t pl1m8o, Au nolocf In BIQQ]Q, \110 faol \111111110 Pll1lnllff l1<1a a 111011 of IlIlowloclgo 01' uncfpl'flll1ncflng 111111110 lalp proteot ilia ponl from free~lng Py using ,"rel1flon<lple onre" and tlw .faol tl1at 110 dlffors fla to wl1al oonstltules "rol180nElblo onro" cfooa nol mallo tl1allElnO~ll1ge I1mIJlmIOuS, In drnftlno Inf:)~lranOo pollploa, 1110 Ins~lranoe oompl1ny Ol1nnot pe,oxpeotad 10 <lnllolpl1la every posslple faot.ual aoanE1rlo and Inolude Il1nguage 10 Elddreaa t11ElI '." altuntlon, Tile pl1rElse "rea80naple OElre" aoooml11odate Il1e fElot tl1at cflfferencea In poala, motors, nncf olltnl1to will all plaY an Important role In cletennlnlno wl1at conalltulf,ls , reaaonable.oare to proleot tile boat from freezlno,J Tl10 pElrtleB l1avo El dlfferenoe of opinion of Wl1flt oonstltuloB rel1sonElPle oElro..ln tl11B OElse, Tho. dlffel'o.noe of opinion does not ol1anoe tl10 dfilflnltlon of tl1at pl1l'Else, Tile deflnltlonl'olllE1lnB Donstant ancloloar, Aooorcflnoly, tl1ero Is no ambiguity, 3, Iildeed, \I]ls polloy (like 1l10sllnsuralloo POlloles) oOl1lall1s IlUmerOUA uses of terms SUOll as "rel1sonable", "1I1Ienllol1al", "neoessary", and "prompt", TllO foot 11101 111 Is languago requires f.l oase by Gaso dotermlnallon does 1101 ron(fer II EUllblgUDlls, 6 I', r:J, nll~ PI.AINTlfF cANNoT PI=MoN8Ti'ATI3 13Y OI-I3AR ANP OONVINOING I3VIPI~NCI~ THAT AI.~sTATI3 AOTI=P IN ~AP FAITH 13Y .. PI=NYING THI~ PI.AINTIFF'(3 ol-AIM Plfllnll1f1a Cornpll:1lnllnallH:lea t1l1l111e0l:111on \l11:1t Allalfllo Elaled In I)f.ld fl1lth, 1I[131ad , fal1l1 rn~lst po provon I)Y olom llnd oonvlnolng evlr.lanoe and not merely Inalmmlod," J.erle.tft~Y...\l.IJ:[udr.mUulJ:r.gp.._'&..Qflli,.JllliL.QQ.1l 437 Pf.1, 8\lpor, 1 DO, 648 A,~d 680, .688' (1904), lI13l1cJ fflllhll on Il1e pmt of llln] hlS\lrOr Is I:1ny frivolous or ~lIlfouncjed ref\Jsl:1l 10 pl:1y prooeeds of a polloy; It Is not neoeaS<lry 1I1f:l suoh refusal pe . fraudulent, For pUrposea of Cln llollon 1:10 flIn a.tan Insurer for fClII\Jre to pl'ly 1:1 oll'llm, S\loh oonduot lI11porta 1:1 ~h>honaat purpQsa, find m€ll:1na €I Ilralloh of II 'mown ~uly (I,e, good fl:1ltl1 f.1I1d fEllr deElllng), tI1rowgh some. mollve of llelf.lntaraat or III will: mere negllgenoe or l)fId JUdgment la nQt PEld fElllh, ' lct, (emphflsls added), There Is simply no evldenoe In this OElse to sllpport .the oonoluslon thflt AlIstl:1te (Ienled the olalm out of I'l "dishonest purpoae" orthflt the hflndllng Elnd denlfll of the olfllm evidenced a oreEloh of the duty of "good fl'llthl:1nd fl:\lr ,. I; " del'lllng,!' PIEllnllff's PEld fEllth olEllmls nothing more thQn Elmere Insinuation, As noted In , J..\lrletsllV, Ihe mere Inslnlwllonof bEld fEllthls not sllfflolent, PIEllnllff olalml:1 thElt the Issue of PElcl faith must be deolcJad Py the Oourt, This Is " Inoorreot, In a velY reoent deolslon of the Superior Oourt, t11Elt Oourt noted tl1lo1t 1\ does ,. not oonstrue 42,f-lEl, O,S,A, 9 0371 to meElI1 tl1at the Oourtmllst determine the Issue of PEld fl:1lth, In Tho Blrtb..Qe.n1ill'_\UlLI:ru1J, 727. A,2d 1144 (PEl,Super, 1999), the OOLlrt , " lJ reViewed the damoges Elwarded by a Jury In a bod falthoClss, The Oourt oonoluded that' 7 '." " . , , il, 6 , 1~\fI\)mNclq , WI '1'NIiISSllli , No. pl:oplomEl /lro. <In\:j,rJJptl~eQ, Glen p, KUP/lll , Ml1l:aJ/\ Cl1l1anfl IJ.i.QI~C:lY - 1\l:l.fJ(:;I'\\:o tlQJ 1II'I\:e.r, ~ , illU:IIBI'I'{3, 13, 'lI'htlhll~IU:'\llCle pol Joy, 1~I'II:j,nll'l~e !:l:Om lUg 13 BOIIl:fJ :l.n tho IlIno\.1n\: of;, $'7,011\,11'7, " 1\, " c, Whether repart far ai'\nu~ty 1907, (' S m '1''ll[ili1MIJlIfL.Nli' I 1\'1' r ON S I , ' . '1'h8ro hl\fJ baen no. at: fel', ;, Rel'lpeott:lIlly ElllbmJt:tecl, l\OPl\Mfl & ',ONDI.Ul , " I, . '~"./'~"J"/ //'1 1 ,. ...--" /77,,;0;.< .-/:-,/ /"'/ J3yt .." . ~'~:e:..... - . 11i In 1\ I Ai:fQE\ml'l Supreme Court 1,0, NO, 06266 20 Ila\~th PJt,t Stl"eet P.o, BO:K 200 Ca1"li81e,' PI\ 1'7013 ( 71 '7 ) 24 D'. 03 0 0 Attarneyl'l t:ar PlaJntiff Date I /\\19\11'11: 211,.1999 JI i), .J' ,-" I' , " 1\ if, , " " "1 11,' " '" " :'\i" I' " " " I' " i; h' " il' " '" (I;, " i; _d< , " " " I' " 'I, '''1'1 ,. "ji H " Ij, " " J,. \1 ,. ,., I' I, " !j, j'li t! 'II II- i! 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(') lJI VI,., () hI \0 (D "" -, n <() I. ..I "I ..j l..l c.l 0 \.1 iol ~, "'1 '11 Vl611l11.11Y (MII.E61 WI Nil BPl!r:Il b 61~ /.j l;; t: t: L: ~: t~ t.,; ~: f:: t~ ~: ::: ~; ::: :.~ ~J :--; ::: :~ ~~ IMPII) ~~~"ltl'l1\(ft"j"lml1t'htJl(Jl,,',(J,~O'Iu, _~~~ ~H ~ tv ~ ',I I~ tvt-Jw w w tJtJIJ tJ t-.J t-.J lvt.IIJ tJ W I~ NN N I .. 0" j it ..I..J..J tn ""...j I'IU (11 cn en,,.. ..I..., m CIl ~..:!....~~ ~~_ ._5 m~~j~$l ~'~~4\.~i ~a}~tiI4\' g It !l !,ff ~N [ail> CJ) i~~[~1 ~ c: Ra ~~~5 ~ ~R ~~~~ ~ i &[i 0 ~ ~ \ f}Lrffl m OJ 2j:-' . ~ "' m I .~ ~ :r. ~ ""0 o J {ll!!P:Z C Il,fDaJ :z ::0 ..,0 ~Ol 01 I III ~ II liJ ~ 81(\' cnvl!~ I e; C~IIINO C ~::U~:;IOH ~- ~c 11M Ii (LSD -' 'f;FFC\OAMf n" ~ ._ Okll\' :::I ~:":n:,,~,-,:,,:,,~ VIBIUIl.IlY 0 ?CJQODr.>t":CJ (MIlliS) ~ :;u:L~.Q..Q ___ , ;' I ~~ -~ .C2 ... nliY nUlIl I ~ lXJ H OL,'ll I'OltH ~ z~ WIlT nUl II ~~ :tI IinAlIVC ~ G') IlU'I'PllY 11'01\ ::: ~ ;: i: I~ i: l;; U i: w ~;~~~~~I I " 1I,^~ ~~ )> IIr,^ X 1IM-1 .8 I ;18~~1~~S]? lnddddnn ~.., 0 t"I" Cl 0 a 0 Jl hI ,I \,'1'1-' t-J t~ J't--JC'lCltJ'-'INO'I ---'-'--'~ [' " CI 1(1 .~ -l ...j ..J ....1 ../ :j1:Ji:i'i':i1'J1JNN U '" 'll 10 1(1111 tt) '(l , , . . . I' >In l. (11 Cl\ 11...1 '-J ",h ...1./. ""DUtro JIJWh.ll,'WioJloJ .(ll(l,oiil (.:I 0(;)0 , , . . , , , -I..jmmo()o!-o _1 nll~ to C)". '0 I. lIoUI1 (~Bn --,... _._---_...-.._--_._._~~---..............~.- -----~~_.~-_._-.~.-.__._-------- DEGHI::I~S ~. lIWIIi:f1 (\") .. ,. " " H I.' I-> I" '" " ,. ,.. '" Ill' I , I I" , , , , , , , , , , '" '" t; " t,I' ,,, " '" '" .1 CO " '" " In " "' " ." " '" " I.'n " n " " " " " D " + q, r"~ _.-.~ '11'" .W '" .., !t ~ " b' I ~I oj... ~ ""'- III n ,. ,.. , Ii q H rJ ~, iJ IP ~\ W " '. . l~ , , 11\ ,': .. q I 0 IL b' !.' 10 lJ ~ '" H IQ ~ ~I 1:1 1 ~ ~, I-] " t::'J 11 . q, --- ,.- - -." __A' _... ~-- - ~ tJ f./- tJ ~ L-l I~ l~l IT] \.-1 N I~ ,I-J '0 I~J L1' 0 0 -, 0 [J. d I " ::;, ;:;J 1-' F !? ,~ '4 '0 11,' -.... '0 1'1 -.... 'II -I I ~ Il 11> 0 ':0 1<; g 1:0 ro 'u " I-I N II- F-i '.. [~ " ~ fJ ~, .', , ~1 "' l~ ,,' ~' -> l" (.J , N ,~ -- - -- -- .-.. -. - -.- - 0 '., ., <;) '1":1 '1> 10 ,-, 10 1-) '0 1.3 0, , I" , I X 'tJ ,-, 10 '0 l"f I" :l~ '" ~' :)> 10 0 0, LI 1-' ,y i-' ,)> i; I)> I 1- h1 r ~ I~ ~ " ., ~l '11 j" 0 II" H " I ~ ,u " & ~ -- " ~;. ,... - -- -'-' -- --- 1<1 '1 (q .., 'n , ~ ~ '" ':0 " bi . " IV n ~1 "" I H ~ '" ''d '" H 11 '-3 ~ III /'\. ~ I. " :];,} 1 C 1-;1 III .l:-- ~ //./ I H r' ----. )jt )>;'.' oj 0 " [J) ., ,-, J. ~I \:I~ 1.~1._1 I ,,' '" -~-....- --- - '" ... ,., l~ ,. ,,' -I, , I , , , , I~ '/,1 ... I" ", .1 a, " ,., ." ,~ ." IJ I;i " I~ a, H " H ~( 10 " '" '" " ... (I, In H " ,'" '" ,. m -I , , , Q ... , , I., , I 10 :" , , , , ~ '" I., .., I,' " , . , .., ,I' ,.. "" a, ",, Q .J " " '" " '" j.. J.lIl.l,1I1"'I'ERB IJEGIUmS (e) ----. -- " , I '\ G~mN, 13, J<UBl\l~~, p:\.C\.tn\:i f f IN 'I'IW: COURT OP COMMON PI~!~M OJ" CUMI31~IUJ^ND COUN'l'Y I PENNI3YLNI\NI1\ v, .. I NO, !)f\..3p20 'CIVIl, 'l'ElRM l\l'['I3TA'l'El, Defenc\C\l)\: JU~PJ.JY flNI) 1'10\,/, (~Ol1lea the L':\.C\int:.i.I:f, Glelll 8, I\Hb"l:)., -by hil3 C\ttorneyl3, 1\C1clC\11113 I;. Rlmdle, Emel l11al<c1P the, following reply to the DefendC\nt's E\I1l'lwer with new l1\Cltter I 10, The COilClUaion of law is duniod, 11, 'l'he conclHPion of lqW is den ,t ad , 1~, l\dm.t t tad, 13, The oc;mclusion of; lqW i.13 el('Jl1:1.od, 14, 'l'he conclusion of :).c\W j,s dDniecl, WlimRElPOREl, the Plaintiff reql\afJt:13 tllilt the Defenc1E\l1t'l'l new matter be dismissed, , !I, ADDAMS &, IWNDLEl '" ;"".- -.~./ ' , .;:;.., -.' ,>' ,J J ";J /~>[(" 1\ .J">';: /-:;p;./ ", ,/- ,', '.,~, --' / ?/L,.., By '-r\ff.:1 i' '~ln::'.'''A~~~l1i8 ' Supreme CoUrt I,D; No, 06a6~ 20 South Pitt Street 1',0, Box 200 <Jarli(lle, 1'A 17013 (n"/) 249- 0300 Attorneys for Plaintife .' (, " " UWN H, 1\\lIlAI,", 1'11111\111'1' v, AI.f,~TATI\. P~I'~mhIl11 Ml'SWlm WI'I'" NEl~Al"I'gR " In th~ Commonwolllth oI'P~l1l1aylvllnlll. with IInomoo lit (i345 Flllnk 1)1'lvo, SlIlto 1000. HUlTlftb\lIllt Pllllphln CounlY, POUl\aylvnl1l11 17112, Dol'ondl1111 donloa tlmt Ita pl'lnolplIl pllloo of llllalnoaa 1ft 100nlo(lul 6345 FllIllk Drive. Snllo I (JOO, 1llll'rlabUl'g. DUllphln COllnty, POIII1Rylvllnlll, , ,. , " 3, Admlttod. \lp~nlnI'Ol'll1l1l1ol1l1nd bolioI'. , 4, AdmlUod. uplll1lnlhl'll1l1tlOl1llnd bolioI', 5, Admlttod. with olul'll1ollllol1, PllllnUfj'a bOllt Wlla lI\alll'od \lndor polloy llllmber 09H6H925H. laauod 80plombol' I. 199(1, Thnt policy apoolOclllly oxcludod covorllgo for .10aR onllRed ' ,J) , by fl'coZ!llg, \1I110aR tho llolloyhllldol' lIaod 1'0llR0l111blo 0111'0 10 pl'o(eel Ihe bOllt, AIl'uo nlld oOl'l'eol oO)1Y ol',tho polloy la IIUnohod hOl'otollR Exhibit A IIl1d la Inolll'plll'lllod hOl'oln by 1'0101'0llCO, , 6, P~nlllll, M~I' rOIlH\lll\lhlo Il1voRllllllllOl1, 1101'0nlhll1\ IR wlIhll\ll Illlilnnllllnll Ill' kl1mvlollll~ H\lrnol~1\1 1\1,I\1I'In II \wll~I'IlIlI(llho tr\llh Ill'lhll llvel'llWl11 ~(ll1lnlnod 111 11M plIl'lIllrllph 111\\1 IIw R\U1W IR IIwr~l\lrI'IIOIlI~\I, 7, p~I\II'\I, Mol' I'cllRol\lIbl1' l\lveRlIllllllnl\, 1l0l'ol1llll1l1 IH wllhll\11 Inl\lri11l1lhlll Ill' kl\owlodlll' Hllfliolollt III Ihrl11 II bl'llol' UR III Ih~ \l'\l\h Ill' Ilw IIW\'l1Wnl IIml Ilw IllHR WIlR p\'ll1\lpllr I'OPI1i'IOlllln111ho RllmO IR IIwrolhr~ dOIlI~II, lly wily of 1\lrllwr IInR~~OI'. 111'1'011dlll1\ 11\ll1~R Ihil\ Iho II1RR WIlR roplll'lolllln ,lImO 24, 1997, Dololldlll1l, 1ft Wllho\ll kllllwhJllgo 111' Inlhl'mn\hll\ IIH III whol1 tho 10RR Il~lunlly llCC\IITOlh Ihol'olhro. Plllondllnt IR wlthollt knowlodge or II11hl'l111111ol111R \0 wh~thol' Iho lnRft WIIR roporlO(1 promplly, Pol'olldnnl (11l1110S Ihlll Plnlllllffoompllod with Iho plllloYPI'l1vlRlonft,llOCnURe Plnlnllfl' HIllod to Oxol'olRO rOIlRllnnhl~ Olll'~ 10 pl'olool hIH\1ll1l\ ()'om f)'oozlng, II, Adl\1l11od III plll'III1l1I donlod In pnl't. Pol'omlllnt IIdmllR,lhlllll hnH 1101 pllld Ih~ IORR, " Dololllhml. dOl1ll'R Ihlll \lIR roqllll'od \ll PIlY Iho IORR, lly WilY of l\lrlhol' UI1HWOI'. Dol'ondllnl slntoR Ihnt , ItIR liol I'oqllll'od to pny tho IORs. bOOllllHO PIIlII1t1fflilllolllollllll,l 1'0llRoimblo cnro 10 prnloot tho bOllI, /il IIR 1'0q1l11'0d.by Iho polloy, 9, ' DQI11od, Tho IIVO\'l110l1tllof plll'ngl'llph 9 oOilHlltllto olllwlllHlollR of Inw 10 whloh no l'ORpnllRo IR I'oqllll'od, Tlllhe oXIOlll1I 1'0Rp01\RO IR 1'0qull'od. Dofolldlll1t don I OR thllllt 1IIII'onRollllbly 1'0f\lRod 10 pny Iho tllRR IIl1dlhlll It hlllldlod 1'llllllllrrR olnlln III blld lilith, Dololldllllll\Il'lhol' dOllloR " 1I1l11ltR ol111dllo\ Hllb.loOls,l\ lollllblllly lill' p\lllltlvo dlll\1l1g0R, By WilY of I\ll'lhol' II11SWOI', Dofimdlll1t ~llIleR lhllt II \'ollHol1l1bly dOl1tod pnYl11olllol'lho lO~R bOOllllRO ofl'lulnllfl'R 11111111'0 to tllko l'onsonlllllo Cill'O 10 pl'olool his bOIlI. IIR I'c\)lIll'od by Iho polloy. " "I' WllIiIUiFOHH. P~lol\\llIlll 1'9Rlwollilll)' I'Oll\loftlR Ihll\ !'llIlInln'R ~11I1I1\ bo IIIRmIRR~II, 1111\1 \1\1\1 , J\lIIIlI1WI1\ bo ~n\~l'ollllllilvol' or pul\lI1lIl\l\1 1I1I11111l1l111R\ Plnlnlllf, NJill'-l\.1AITEU 10, Plnllllllf hllR Ihllod 10 R\II\O II cllllm 1I(!1I1I1HI POfUIIIIIl11\ Ilpoll whloh rollormll~ bu llrnl\\ol!lI1lll 11lOl'ol\1ru. PllIll1lln'R Complllllllm\1RIIl\Il\IIII\1IRHUll, 1 \.., PlnlnllrflHlft 1illl0lllo RIII\O II ollllm lhl' p\1l1ll1vo dll\l\II(!OH 1I1llllllH1 Pufomh\l\l \\POIl whl~h rullorllmy hu 1ll'lll110d 1IIlIIIhol'olhl'~. \hlll dllll1l\111II\1\1HI ho I\lRmlRRull, 12, Plllllllllrft 1I1H\II'1I1100 polluy RpoolnulIlI~ oxohldoR OOVlll'llllo fhr 111I\11l1go ~l\\lHod by l\'oo~llIg "l1l1lo/lR ilho polluyholdol'] , , , \lR~lll'ohRollllhlu ~1I1'0 \0 J11'01~01" Iho Imlll, 13, PIIIIIIIII'I' Iilllod 10 \1/10 1'0nRollllblo 0111'0 10 pl'o(ool 111ft bllllll\'OIl1l\'oo~.lnll, " ' , " " '.1' " " I I' H' ~j ;~ + '\~, ;'IJ \~~: " , " ,.,. " " " " ... 'II \'~ll' l~ "'L' ~"'" .~, I' 'I" I ,,,: .. "'<'1\<'11 I ,\ \' " " I, " l' " I' " ", " " " " " " , " " " It. " I' IJ " " " " ", " " " " , " " :' " " " " " " " " " " , " " " I' " " " " I' I' 1',1 , " , ,I' " .' " I;, , ,. Ii' .' " H " " H i\ " I, I' I' " I' " " " " ..II ,Ii " " " ,I'" .' jl, I' " " " , " I' " ," " " ,- " ;, " " ,Ir 'j;" " " " , ,,' 'i" it " " " " d , , "'IjI." E)(hl~lt A .., " , " : " , "1' , ( AlIG, n 1998 ~:3WI' AllSTAff HIS, Ili'l, Pl, 1'1112 110, 0,11 ~ ,p, 8 '''j ~\ I' ~' ~ " , , I\LlSll\H IllS' lI"l, PJ, 1'1112 llCi. omp 9 " , T,lbl~ Ol':;onllnll .-.r-........-~._-'7 Q~n~rql OUI SolllufI1pnt ()pllons 10 I HoW We !ietlle A ~osa 19 Peflnlllon~ Veoq In Tills Polloy , ,3 Roqovory Oost 11 Insuring Agroom!lnl . 4 Our Payment Of ~OBO 11 . AQroomenlu We Make With You 4 Apprelsal 11 Oonfprmlly To Slelp SII\Mes 4 APMdonoq proporlY 11 DOVersge Ohanges G Our Rlohls 10 Reoover Payment 11 Folloy Trlll1sfor G Sull Agalnsl Vs 11 Oonllnlloq povoraoo After YOllr No penetlt 10 Ualloo 11 Pealh G Loss Payaple Olause 1~ Ol\noellMlon 5 01l10r Insuranoo 12 " " Ollnopalment llr praild ~, I , ' SIlOTION II .." WATIlRORAFT LIAflI~ITY I , S~OTION 1- YOUR PRopgRTY AND WAT~RORAf'TMeDIOA~ pAYM~NTs , ' == I 51 , " , OoyaraQo TT Ollvarage AA Your Propor!y Walorer."" Llabllllv properlt-te Covor (l ~o8Bee We Cover 12 LOBSIlS e Ouvor 6 ~ossss We Po Nol Covsr 12 ~ll8S0S We 00 Nlll Oovor . 6 m , II Cllvorago cq Watorers" Madlool Paymenls Aqdl,lonnlOovorages ~osses We Cover 14 Neoeusary Repairs A"er,A Loss 8 Louuoe We Do NOI Oover 14 Emergenoy Servloe 6 II Wreok Removal II . Aclcjlllonnl Oovornooa Claim ExperiSee 16 See lion I Cendlllonn EmergellCY First Aid 16 Deduotlble 0 Terrllory f) Seeworlhlllosa Warrqnty 9 , IneUrAble Interest and OUII.lablllty 9 Whal You Muat 00 Alter ^ Loss 9 Page 1, AUUI, 19~8 ~: 33AI,\ 1Il>!, r 3, 17 \ 12\ " I C"V~rflQn ct1nnllnO WI10n Allftlnln ~raqqpnQ oovergoo q~rlno Ih~.P. rom. lurn porion Wllll0\11 ohnrool V!lll haVe 1110 nnw 101\Iuroo I Yllll MVO 1110 oovnrngo 10 whlot1 IIwy npPly, Olhnrwloo, 1110 policy ann Iln ohMUOd only IlY o"clar80mnnl, TI10 premium for 1I11s. polloy 10 IlnSOQpn Inlmmllllpn VOII havo glvel1 IHI, YPlI noroo Ip cooporalo Wl1l11lsln do\prmlnll1g If 1M Inlormllllon 1ft oorrool and aamplola, YlllI agree \111\\ It Iho Informallon YllU Mvo glvl'm Iln 10 Inoorrool, Inoomplolo or pl1nn(JOS, wo mllY IIdl\181 Y!llll praml\lm 1I0oonllngly Qurlnolho premium porloQ, Any oalo\lll\lIon of your premiUm qr ohonOllo In yalH cPvamgo will poinllcte using Ihe nllen, rll\oR and formn on fllol If' requlredl for pur uao In YPllr olalo, Tho fl.\loaln 011001 1.\1 Iho po01nnll1(1 of Iho promlum period will po uaeQ 10 ooloullllo ony ohllngo I" YII\jf promlum, Polloy Tronslor YIIU mllY Ironsfor \1118 polloYlo nnalllOr porson only Wllh our wrl\le n ool18anl, Conllnuolf OoVarllgo AlInr Your Doalh It you dlo, ooverage will oonllnue ul1ll1 Ihe ond of Ihe proml~m pori ad for: 1l Your legal ropre8onlatlve while acllng no ouoh, bul only Wltl1 reopeol 10 Iho proporlY ooveroq 11011 or Ihls polloy on ,the dale of Yl1ur 0011\11, 2) An IllRuroll poroon. "nd any porson haVing proper lelnporary ouslocJy of , Qonlllall oonll.!Jill!9. YOI.lr properlY qnllll.llogal represonlallvo In llPpolnlod anq qunlllleQ, i I I .. \ \ r;~I1Qlllla'lon Yllur Rlgl11 \0 Cllnoel: , You may oanool \1110 polley IlY ro \lH1l 1110 II \0 Il~ III llY no\lfylng "0 In wrlllnu of 11\0 fu\\lro qal\! y\111 WID" 10 alep O\:lYorage, 11 you onnoel \l1ls polley. or tall 10 PaY Ihl! propar premlllm anct WI! oanool Ihlo pollPYI YIIII( (elll(n promlum.1f nny, Will PO oOloulolol1 on a 0110rl rRlo paDla, Our Righi Ip Oanooll AllRlnlo may onnoatll1la polloy by mailing 1101100 If) youal Il1d,malllng aCirjre88 ahown on lhe cJeolar(1t1ono paoe, 11 \110 oal1oolln\lol1ls tor non'pllymonl of ptamlum, we will glVo YIlU olleaol 10 lfays nOlloo, II Il1e ollnoollllllon 10 for any olhor rea80n, we will glVo YO" allollol (10 claya nolloo, Our malllll0Hle nolloo of onnoellallon 10 you Will bl;l (loomed 10 \:10 proot of nol10e, . covorogo unclar Ihla policy will lermlno\e on Iho olfeotlvo dn\o and l1ellr alII IoU pn tho canoellallon nolloo, II wo ooncol \hlo policy for any roooon oHm 11111n 110n,paymenl of ptemlum, your rolurn premium: If any, will be oaloulaled on n pro rllla boola and rotunc1od ~llho limo of oanQollollon or ao ~oon as pooslblo, Howover, refund of unearned. promlum Is not 0 oonc1lllon 01 conoQIIBllon, , Plloell "." .1 I'" I"~ ".,,'. --...,__...._......__...... '" AUC, 2I.'lgS8 ~:~6AM ' A\,I,(,TAIEIHS, IH'dJ. 1711Z ,. . ,1U1f"".'~fJ.I:Ui~\u\J..n~~J""II.U.~r,"""";WI"""';.,t...<...l~,\. , ' , .., ,., "-"",, , ... ,.. NO. O~ 1'4 r, 19 "1'1.1. --- Elantlpn I Onnd!1!.Msl Conllnusd 31 Ihllllmlt olllupllltv nhoWI1 ql1 Tho npprnlallrn ahnll \llOn ~alarmlne 1110 Qoalnrllllona pllga Iha' Ilmollnl of 10sp, slllllno flOPlHlllolV lIppll~lfl~lo 10 \l111llllmIl0l11l Iho !lalIH!1 cllnl1 vlllllo IInQ Iho IImoun\ propqrlv, of 10Qp 10 enQl1ltllm, If 1110 IIpprl:\IQorQ I DUl1mllll wrlllan roport alan 8, Rnn"Vo~ 011111 "uroament to (jo,lho /lmnllnl noroaq I ~ODS to \ 111 Pllnt "nd mlltpr Ilopor/poll 1lIlPn PhAl1 po 1M Qmollnl oll\1Qo, If an Ilia daolarllllono PilOn Will po 1I10Y onnnolllOran,lhay will aullmlt rnOl\rll~t! IIn lolnlloPD whon Iho 1I10lr dllfaranol1Q 10 Iho umpire, A " oxpanso III reo OVa ring 1110 dllmlloocl wrl\\on ownrel py nny two will proparty WOllld oXooaq lI"r limit of dolPrmlno \ho nmoul11 of lapp, IInl)lIl1y, liMh parlY Will PAY HHIAppralQllr II 9. Ollr ppymenl Of ~IlQ8 OhOOPIlP, llllt! eqUAlly bellr expenalla Wa Will Oll\\llll\ny QOVOrllQ 10&11 With far \11 a umpire linn &11 olhllr &Ppr!\IIIAI Villi, WQ Will PIlY Villi unllllla Mothar IIxpOnaao, Pllyaa la nllmon In \I1e POIIIlV, We will , Plly within 59 Qayo II1l0r tM amounl of 11, Abnn~llnlln PfIllll1rW loa& In flnlllly delarmlnlln, ThlllllmolJnI Wa Rrll nOI oPllg!\lad 10 aCllapl IIny 'mllY po nlllormlnoQ Py IIn IIgroomonl properly IIPlIndonaclllY on 11101lr~Q pelwaon VIlUIII1I-1 Us, a qourllucjgmanl. ' pPfPpn, or Rn appralsalllwurd, " 12, Our Rlohlll tp Rllollvur PUYl11onl' 10, ApprnlRQI" ' When WlI pay for MY losa, your rlol1l& If YI1U IIllcj Wa fall 10 nOree on tl10 01 rOQO\lllry from IInvona 131110 llsoome IImount of lOll a,lllt her PlInV mllr, mallO ourll up to tho IImount wo h&vlI pllld, wrlllon QlImand for an appralsa , Upou VOIl mUllt prptllol \lleps r10hlo I\nd twlp ., suoh domanQ lIaoh pllrly munt aalaola IIR onloroo Ihom, oompolont II~QlmPllrtllllllpprRlasr llf1Cl nollly \110 o\hor of thllllPprlllpor's 13, Bull AlJnlno\ Us ' lelanlltv within 20 days nller 1M. . 'No aull Or aolion may bo broughl l qomand Is reoolVlld, the apprllloora 1I011lnst IlS unloas \l1orohlla poon full wlllaolool II oompslonl QI1Q Impllftlal oompllanoo willI all \he POlley Illrms, I umplro, If Il1e appralearo ate unablo 10 Any pult or aellon mUll' pe bro.\loht agroo upon IIn umplra within 16 dllyn, within ana year Rltor Ihe cj&ts of lOllS, VIlU or wo aM oak II JUdgo 01 R oourt of raoorQ In the slale Whero you 11',1010 14, No Donoflftn alllloo ' selool an umpire, Tills Inauranoe Will nut penollt RIlY porson or orOllnl~Rllon who m&y be oaring for or hanclllno YQUr proporty for n foo, , I I PllOO 11 ' I ..........,""..,..,.--.., ,., i i I 5: l7AM. ALLSTAH !IIS, Hbl, I'a, 17\ 12 , a r~ ,..-: /lEQTIPNII ".. Qqypr~go Q Q WIl'mor~II MadlllPl PnymqnlQ \.P~~P4 Wo PI1YUrl WO will PilII' 11'0 rOllopnpplo o~panl\OO Inourroq 1m nOPooaMY mU\1lonl, UUHllol\l, MOY nnq \1pnlolsorMo'illllmpuli\noo, I1Ospl\f\I. Iloonoo\1 nuro. Inn anu l.unornl OPl'llooOI oM proo\h9tlo dovlllllOI oVa glMOOB. 1104\rlno 1\1\181I1n\1 Phorm.!\IlPIHIOolo, Th.f\OO oxpenBOO mllol hllye rOBul\llcl from tho Qwnarahlp, " molnlonllnQo or \100 of oovnroQ wlllaroroll, IlPol oqulpmont or \lool \rIll1ero Ily on IMUroQ porson, ", . Tha911 Q~plln8eo muo\ PO Inol,lrrod ond \110 oOl'llooa pl1rfQrmed wllhln Ihreo YOhro Irom \1'0 Qnln ot nn Qoolr.tonl 0lluoln9 Plllllly Injury oovorod by Ihls polloy, f!lIymenla will 0100 1111 mar.to 10 an lnallrod I paroon who suollllno podlly InJury whll" In IhoWII\llrlt o\ruok PY IIny \loll\, ~QG$OO We Cq,Nol OIIVOrl 1, Wo do nol oovor pQdllY Injury: , . 0) whloh may feosonllPIY ho I1xpeolod to rOBulllrom Ihe Inlen\lonlll or orlmlnol oolS of on Inl1U1u" purson or whloh 11I11 In foot Inlondod by an Inolll.od pUrnt,", , b) while any WQ\olornlt or bOllllrallor la usoell 1) 111 any II10QoI tranoporlotlon or \rodOi . 2} by onyolheta llndor a looao, rental or olw\or agreeml1nt:or 3} fot tho Iranopot\n\lon 01 people or proparty fllt 0 feo, " ". Pogo 14 I. 0) W1111f.l ony \'I1\\\lIPII\I\ \n 111 OilY l oono\lol1od rooo. spood or lumping oontoo\, Thlollxolllnlon cloos not apply wlwn yq\lr Wl\lOrOlolllol 1) a al\lIpoo\1 or ;\ '~l In 0 "prodIQ\lld,loO" orulse, l ell arlnil'O out pf pf.lro,aolllno or ,kllo'okllng, ' ,0) while RI1Y Wnlllfprnlllo: , 1) belno porrloelln or llpon n t mo\orl~od 10nQ valllolp! or ~l nn 1\ \lI\lIer a\loohoQ \01 or baing lowed by, a mo\\lrl~or.t land vehlole, 0 While anv ponllrallor \0 o\t!\ohed '" 10101 la paino toWed by, n , motorl~I1Q lanQ vuhlolo, " I g) MIslng oUI 01 \llll pasl or prl1Qen\ " 'i buolnll8a pursulla 01 an Ina\ltod 1,. porson. 11) Mlolng ou\ at Iho rondorlng of or lollure \0 renr.tal profon810nul oOl'lloon, 1) ooused by WM or warlike oolal Inolurllng 1118urroo\lonl robolllon or tovolu\lon; 2, Wo do nol OOVllr bodily Inlllry \0 onv perBon ellol\1lo 10 rDoolvo tiny pcneflta voluntarily provlllod, or foqulred 10 pp plovlded. unr.ter anVI . , II) workora' Qomppnaallon; non.oooupn\lonal dlnll\llllly or oooupotlonol.dlsenao law; or b) Fodnrnll.onoahoroml1n's and Horpor Workers' Oompenanllon Ao" 0 AlIG, 21. 1998 , U7Af,1 AllSTAH illS,. Ii,b!. PJ, 11112 110, Ojl~ P,;3' " --- , , , . , ,- II AIlIlIIIOI1\1100vllrngOG . ~onllon II Oon~IIIQI16, --- , Wo Will p~y, In ol1rHtlon 10 111I111mllo of I, Torrllorr lIoplll\Yi 1'hlo po lay oppllpo only whllo ,. WA\Pfcfnll \~ wl\l11n \ha ~lnlla(j 81111110 1, Olnlm P~rf\n~Il" 01 Amorloo or PnnnQo or wll111n lOP' WQ will POy! nn\lllol1l mlllls 01 !lllhof, II) 1111 oORIs welnour In Iho solll11rnonl of flny olnlm Ilr thll dllfllnRll of any 2, Whol VO\l MIlSI Po Allor Iln Acoloonlol oull "golnol nn hlllllfOO poropn, ,; \,OGO b) Inll1(oa\ ooorulno on nlllTlaOOG 1r1 tho uvanl of PQlllly In1mYc or prQPIlf\y aWIlrUOQ unlll suoh \Imo \\s WO IlnmHoo, ynll musl do ,II1\! ollpwlng hnvopolll, ICHmlllly oUpron, or \hlnool qllJ!osllod In oourt 1I1ll OI1l011n\ lor 0) Promp\ly nollfy us or nur n9anl. In whlah WU IIfO lIolllo unqur Ihla wrlllnO,o\II\1nlll polloy, Intorllsl will pe pain only on 1) yoUf nl\me anq ppllay numpofi I', qmMgOs wlllah do not oxnoocl pur ~) Iho d\\\o, Ihe plalle anll the Ilmllo of IIl1plllly, olroumalllnoaij ollila 10S~i 0) premluma on bonda required In any 3) the nnme I\nll ndnress'ol sllll WO dofenq, Wo will not pay anyono who mloll\ "AVO 0 clAim tlond premiums In l\11 nmpunllha\ aoslnsl an Inoured psrsp", Is moro Ihnn our 11 mil of IInplIl\y, 4) Ihe namos ~n(j Ilddresaos of Ws hAve no ol1l1oallon 10 apply lor eny wltnossos, or lumlGh !)onc!a. b) PromptlY send \1& any leoal papera 11) llP 10 $300 for eMh 1'1I111 bond relllllno tP the aooldai'll, noollen peoouao pf anaoulden! or 0) At our raq\.lee!, an Insured IIUrson , vlolll\lon of poo\l"g saloW ' Will: fll9uln\lona, We hAve no Qbllgatlon 1) oooperllte wllh Ua lInd Ilssls1 10 ~pply for or lurnlsh bonde, , us In any mollur conosrnlno II 0) up to S60 per day lor losa of WOOOD clslm or sUIII ' ann slllary, When Ws osk you \0 2) help us onloroo ony rlghl Of ollend Irlala Md hearings, reoovery a9alMI any porson or ;f) any olher rellsonople expenses organization Who moy pe lI\\plo Inaurred py an l"aUfOd Ilerslln at 10 an Inllured pefsonl our roquest, . 3) attend ony hoorll1g or trial. ~, llmofgonoy Flrol Aid Any Inaurs,a person Will nol Voluntarily Wa will pay reasonople expenses pali any money,II8sume ony Inourred by on Ineured perllon forflrat ob Iglltlons or Inour Ilny eXpenso, other aid to olher porsona III the time 01 an Ihan lor flrel aid \0 otllers slllle time sooldenl InVolving bodilY Inlury " ollho 10B~ ss provldQd lor In Ihla aoverod under \I1IB policy, , policy, . "age 1G ,. " ,.. " ''0~ PAlllt 1 Il(\~!I'I'~i\ljt1 ", I'll 11'1' ~^ 1'11, C, Il, /I t .II II :1'/'1 ~~ I'n,O,U.II, H U3~1 ~ I'Il\iPP!'1'.f1 I'Nt1t1l1Y\Nllt11 II U'I'/I'.1'\I'J'hll1 /lNP CONIl01.1Ili\'J'li1l1 fl'1'1I'1'\1'1'1-l1I /lNNO'I'/I'J'I~P ~ 1'llllPOHI /,\ 1'1~t1Nfly,,yllNll\ CClNIlOl,rplI'I'I'lp U'I'1I'I'lI'.\'~l,Il IINlW'I'lI'I'i'JIl > 'ITJ'I,m ~~, ,1qPJdIlI1IY IINIl ,JlllHUJ M. 1'11(l(J1'1I11111~1 > 1,'/111'1' Vll, CIVIl, /lU'I'IONiI /lNP I'IIOCI'II':1l1NII1l > ClIIl\l)lI'I~1I 03, 111\11'J'lOIlIdll\ II 1(111 ',I'IJ /lNP lNNIlNJ'I'H1!I :> n\l1101l1l1"1'1'111 \1, 1l1'1~nIlIl. PIINi\lH\Il , . Ollpl:, C WUIl!; IJrp\lp I!)!)!), 111,1 d\lhtu n'uu1:ynrl, cnrl:lll\l: l:hl:Ollgh 1I11t: '\ !l!10-4n, II> 03'{1" /lot:1.ol111 [In 1.I\Ulll:ulll'JU p,;,\loi"" III un I\o\:j.ol\ IIdrd n\l IH1r1(1I' illll 1111111,'11110(1 po.! Joy,i f' 1',11(1 (J[I\\ I' I', flnclll \:h/l I: \:h(1 tnU\\I'(1r hllll 110\;llcl 1.11 IIAd r.nll:h \:pWllnl \:I\IIi\\lIIlI'Il<l, t:hll 'HlIll:\: mi\Y t:i\I:1l 1111 of: 1:lnl J'oHow,I,II\1 f\ot:,\.ol\II' (:I) l'\Wllrcl '1nl""ropl: on \:ho Ulnlllll\t of' \'.I11l cll1im J'.t:om t\111 r.If\\;n tho, [J,lldll1 Willi milclo I'y the lnllnrllrl In iln 1111101111\: oqnlll tn t:lw pdmo 1:1\l:ll ul' 1ntonifJi: PlllfJ 31" (7.) i\wm:cI 11\\11.l.\:,tYll dll\l1QOOlI 1I\I".iI)lI\', tho ,II1(1II1:11r, (3) I\~/lulln nOlll'l: (Jollt!1 IInrl 11t\:orlluy \"HllI lIulI.infJl', 1:110 I. II !1I11: Ill: , C!IJi1PI'l' (11) 1990 MI1I.I1 VO].II,"U ",' ClopI', (0) Wnst:1999 N[I C111l," tll or'\'\I. \I,H. Ollyt:, Workp " "I '. " , .' ",i " i; d; lI" ,\ .I' i' {' 1<' j', " " Mli 1\,2111~2H Wflv "WI 4J~ """;III'H. "~", Mil ",~II 1 n"l I~' , Alrl'l'III.II(lMANU KI1I1 AIII'I1 I, (/rll~~,II/"/M i\MI" 1'"rll1mh"I, "III,,'IIKllh, ' ,~ ' N^,I'mNW"'~; 1\1IlTl/"'.IIIIW 'NHI/MN!!!'; ffll\II'i\NY, HIll1vrhl1' I ~III11'I II/' I'vIIIIHl'II'IIIIIII, 1\r11l1ll11 1\111'11 (I, I WoI. FlIvII 1\1111' 2(1, IW,!, ' IIIHllrl'lll1lvllllvllllllltlllllllHlllIlIlIlVI' In V(l1I Iln II 1I111111rv'II IIwllnl 1111111111111111 III' hlNH 111 hlllhlhlll Ilrv, 0111111\ IWIII'vl' .1l1nmvl' IWH /ill' hllll f~lIh 11,1' hIHIII'\lr, Thv l~ullIl (I/' (:PlllllllHl "'VIIII, I,II(,Vl'IIV 1.'111I111,1', (:11'11 /lII'IIII,nll, Nil, flI97.\.l.\992, Hlvl'VlIlI,J',llvlllvlI 11111111'lIlhl' 1I\tlllllo,1' I\lVH fur III0k III' jllrlHlllolhlll, hIHlIl'olllll1livlllvll,' Thv HIII'Vl,'IlIl' I~III111, Nil, ;1911111'h1l1l11Vllih1A 199~, Clrllli" )" hohl 1I111! IrlAI VIIIII'I hllll jlll'lHI 10111111 In vnllHhlvl' 1II11lhlllll'r III1I1I1IV)' IWH, vI'vIIlIllIllllh olAllllnl' hlllllitllh WIIH hllHVII (III IIIIVIIVII 1'1(1111111111 III' Plllitlr hlHllrOlil'V I'rnvllvvH AVI (I 'II'M whlvh vllllhlllllll'v vlllh''V011 h)' flrll'lIlv VIIIIHV Ill' IIvllllll, , VIIOAlOl1 111111 1'U!llolliloll, JllhllHlIlI, )" ollllvllrrollllllho mHIIII, III 1\111'MI: (\N') IHUIUJ! ~H4f1!1l ~UkH1f1( I) It(llv nr 1'\ll'lvwllIll VIIIII'I nil "1'1'0111 III' Irllll vmll1'H I1I1AI ,h,dl\IIIVIIIIH III llolvrmlllv wholhol' fhlllhlllH nl'II'IIII vnll11 M'\l II11J1I'I'l'Ioll h~OI'llIflvlvllt ol'ldvlI~o ~IIII WhVlhol' 11'1111 cnlll1 C\lIlIlIlIlIUtI ornll' III "1'l'lIuIIIIIIII1If1I1W, ' /II AI'llRAlu\NI) RIUtO!t ~llIlU"H) 3UklUlll,1l1L ' Hulu "I' I'Ill'lowhlll ullllrt 1111 "1'llCIII III' 11'1"1 Ollllrl'H 1111"1 j1l11111l10111111 In dvlvl1l1ll1o Whvlllol' Illlllhllllllll'll'llIl CIIIIII llro HlIllIlIlrlcd hl' Vnll1llVlVlI1 ol'hlvlIOO 1111I1 wllolhol' IrlAI Onlll'l ~11l1l1111,I,lIUtI VI1'UI' III ~l'lllIuAIIIIIIIII' IIIIV, , 121 A 1'1%\ L AND RIlIUlIl ~ IUIlH,1(2) 31lk IU(lH, 1(2) FhllllllllH Ill' IrlRI jllllllo III IIIIIUllly 011110 III1IHI ho 1\11'011 III1I1lV \1'0111111 nrlll ollwl 1111 "1'I'UIIIIIH ,hIQ' 'Wl'llIol 111111 Wllllllllllv lllllllltllud IIhllV1I1 01'[111' nl' IlIw Ill' 1I111111V Ill' IIIHorollllll, I'IIHP' \.IIA1"'I';"'1 i\NI' ~:r\llflll ~Q,"(I) ,(Ik9~ Ill) Olllv\luW III' 11I1I1I1I1I~ Ill'Irllll,llIl1llc, 1I1'lllclICIIIH vluwcll 11I1I1I1I11I1I1,~II\1I'lIll1l1ll1ll1l'lclllrIIlIlH 1'"1'1.1' hvllI\\' 111111 1111 III'hlvlWo 11I111 hll~I'\lIWVII IilvlIl'llhlv IIl1l1nlllllrl)' IIIIIHI 1111 IlIkvlI II~ 111111 111111, VIllII'OIHvi)', 1111 IIIIlnl'lIrllhlu hll\J1'1l1l1l0~ 1~lollloll, HIIN/.lIII\"NCI' ~m~ ~,m~m FIII'IIWI'I.I'717kflU7, 1!i(2) III VVllh11l1l1l1l I'vlllllllllll' 1I1i1111111 Ihrllwllnl II/, vnHIH III' 11111111I0.1' l\lvII li'l' '1111111"1111 h,l' 11I~lIrvr, 111111 1llIlIrll1ll1l' Ilvlvl'IlllllV Wllclllvl' hllllll'lll' 1101"11111 hllll 1\1111111)' (1I11k11lU 1IIIIIhvr VII~VII CllIlllllllhlllllllllilllllllllhllrl/.IIIIIIIWIII'lIIIIIiI IIII\' III' 1'"lllitllh IlIlIvllvrnl, III 1'1"11111I1111111111111' IVIlIIII II/JUtI III 1I1111111v IIll1hlllll.llIlI IIII'lli'll, 1111I1/111' 'ii nllrvl' 1I11111110H hUllrlll1\ 111'"11 111111I0 III' ~hlllllll' Hllhjvol/l, 12 ' 1'1I,\.l,S,I\, "11371, ' 1~IINllllllt\Nq; ~am 217k337~ ., fllIl'Illvrll' 717kflU2, 1!l(2) '1'1'1111 oilllrl 111111 jlll'lHlllcllll1l III UIIIIHhlvl' IIIHIlI'UII'H' I'vlllIIIII Ihr Hllllllll1l'l' IIII'lli'll Ill' 11111111111.1' l\lvH iiI( hili I lillllt I'l' IIIHIII'UI', 111'\111 Ihlllll\lt 01111111 Ill' ""!II"lIh \I'M hllHVII 1111 III1VI\UII VllllllllOIl Ill' \111 lit II' IrlllllfflllVlI, I'rovllooH Iwl (\1lPAl'Ivhloh unllhlllllllrv vllnll'\lod Ir)' ,11'11)' 1'1' I'rlyolo OIlIlHO Ill' 1I01lnlll \1II1A HI~IIIIIII1I11 VIlII"1 hO,OUIIHh1u1c1111l11olV1'I1I11I11I1l wllolllur IIIRIIM IIlIlod III hOlllitllll, 'Ill p,S, # 1171.~(ftl(J())(1'1I11 421'1I,(!,Nil\, " 11~7t. ~~'229 ~M7 Arthlll' /I, Aloxlllll, </IvIIHlllo, Ihl' "1'I'vIIIIIIH, Jllllllh 1)1110)', WlIkoH-IlIlI'l'V, Ihl' IlJllwllIJo, IMhl'll (!lIlll,W, JOIINNIlN 111111 CIIIWONIl, J), CIIlII,I,(I,Jllllno; Allh"II" 1111111111111 mill AllolI I.. IIrlltlH, IIMII AlIIIIII 1'Ill'IIIVrllhll' (ullllvolll'Ol)' IIH "AIAlIft"), 1IJ1J1uftllhlllllho 111'1101" U11loroll III Ihll Cllllrl III' CIIIlII1III11 JlIVIIII Ill' 1.111.01'110 CIIIIIII,I' dOIll'11I1I Iholr 1\lllllUHII\lI' OIlIlIlHOI liloH I'III'HIIIIIII III ,12 I'II,C,N,A, # H.171 (JlIlI1II1I1'H 1'1111'11,1991), \VO' ""Ollto IIIHI ,'ollllllllll\ll' I'l1111uodhlJ!1I ~III1I1IHlolIl wllh 111111 111)11111111, CIII"" <<~WuIII 1999 Nt! Clllhn In DriJII tl,S, 11111'1, WurkH " " I" M(,1\,211122" ((:If~"" ~~" 1,,,,H""Pr,II~", i"~7, IHI! ",~I' '~2", ii 1 UII) 'I'h~. 1I11110llyllm 1I1~1" Ilr~ IIIIIIIIIIIR. \"II~I llll MlllolI 27, IIIV2, II Il\Ilhllll~II\\'IWII II)' 1\111111 IIl1il hllllll'll,1 hy IIIII'~II\"l,NIIIII"'Whl~. MIIIIIIII FII~ 1i11l1l111lW~ CUIIII'"I1)' (NIIIIl1l,wl'lo) WII" I'" 11111 I Il' 111I1H1I~1li1 111' 1\10, 'I'h~ 1IIIIIIrllllw flllllo)' III ol1~ot III Iho IIlIw \II 1110 1\1'0 WM , IlolIl~III1I~11I1I II "llIllIlIwRII\I\\lIol'lI HI'oolllll'l'lIo)'" 11\111 lillii'll "1\1Il1'II!., 1111111111111. h,,~ 1\110111" IhulIlI. 111\1/11 1\1111111" IIl1lho 1IIIIH0II hlllllf\lII(II),' Nllllullwhlo'lIlhnll III' III1I1II1IY 1\11' 111~ 1IIIIIIIIlil 11I\l1ll11l0" Willi $1 75,nllll.\lll, NIIlI\lllWhlo u"~r~IIIII'IIY UIII $n,214,51Ihl' 1110 h'""i 1\11\111\ 11'l\llIolllho IIIWI' 111111 0111111I1110111111111111111[1011 III $IIM2fi,~7, 1111 Jllllo ", I'm, NIIIIlIlIWhlo IIlIhl $~n,nnu,n\llll 1\1111111111 '1IIlVllltvo UII Iho 1\11111110111011I0111 IIBIII\I, ''I'hOI\llll1or, Iho 11I11'1Io1l1l1l1l11l11l\llllh~ 0111111I I\lr "l'I1IIIRIII,. 1\11 111111111111011 hy 'In I',H, U fi~(" IIw 1IIIIIIrlllloll 1'1I11~y 11111111"1 III. 1\1111111 011111111111"1 1\111 IhIlIlWIII[lIII'I1I1I11I1I11I11II11I1I1 ^IIIIIIIIIIIII II' Wo 11\111 )''''IIIIIIII~II:O ulllho 111111\\1111111' 111I% ulllwl' ","y 11I11~1I11 WIIIIO\l 11IIIIIIIIHllhl' 11\1 "1'111:11I""1 ul' Iho 1111111., 111 111111 WOIII, II110h fllllly will 1101001 IIl1umllllllllll 111111 h\lI'"111111 11"4" 1I1111l'Rlllllr, Thu I\VII 1111111'1I11111111 will HIIIll\l1 1111 IlIlIl'lru,,,, ,.'I'ho 1I11111'11IK~11I W 11 HIIIIII HOllIIl'lIll1ly 11111 1111I11111I1 ul' IIIKK, 11' lhll)' 1'1111 "1 OLlIW, III~y will HII\llI1l1ll1l1h' 11I11~1'II11~1I11 Iu IlIu IIl11pll'u, 1\ dcollllulIlI[I!""11 III lIy IIlIy IWII wI111'u hllllIlIlU"" +..... U12~1I11' Ihllllllll II" "PPI'IIII1I1I, WII will rllllllll 11111' rlehl1u dony 11111 11111 1m, , . ' M\1I1' "'"fluIII"I~ Ih~ 1IIIIlIIIl\Oll III 11111 11111111'1I11 prupurly 1I1\l11ltl~1' InvlllWlll[llllu 11IlrllulI' "11PI'III1WII' I'IIPlll1H, Ihu \\IlIplru 11111 11111 011I1111111 ul' Ihll IIII1H III $!l7,I)OU,'lfi (1!lIrullllltllll' 1'~lurr~lllu 1111 "llIu IIIIIplru'lI IIw",'d"), " NlllhlllWhl1l wlllllull Iu P"Y 11111 1'1111 1I111U11nl Ill' Ihu IIWIIIII, IFN II ^IIIIIII. IlIullllhrll, 111\>4111 flolllllln III 11111 CUll II ul' CUlIIlIIIIlIl'lolI1I Ill' 1,1I1,III'11U l'uIIIII)' IlIlIullltl1l1 , Ihll Ol1pilllKllll1WIII'II, 4~ I'II,!:,H,^, U n42(1I), IlpIIII 1I111"1'IIIU ul' Ihu pullllllll, NIIllllllwhlllllflld $4~,MCl,~2 III ^11I1I1I.IlIo 1I1I11111UO ,1'1' IIIIIIIIIII,II'II'H IIWIII'II. ^!III111 tllllll ,muvuII 1'111 IIUlIIlIIOlluOII 11I1I'III1n11l III 'l~ PII,C,f.j,^, D !In I, 1III'rll, 1111 11111 ~1'1l1\l1l11l Ihlll JII"l1ulIWhlu, lIy lijlllHlll1i III lIulllply wllh Ihu 11I1I1111'u'H II\VOld, Ihlwd " ^IIIIlII 111 hllll OIlII11KOIIIIIII 010 HIIIl III uldur III uIIl\lI'UO Iho 1Il1\l'lro'H IIW1I1I1, III 1111 1I1111PUI111111 111'1111; ^IIIIIII IIl10l\o,lll!ftl "llIllIull OUl\lhlollK 111111 1I0llh \'UI HO III'IC.1I11 III II ,'lulllllulI ul'IlI1I 11111\111' IIIIKIII'nllllol '1'IIullUUH ^ul (IhllllIl'M," 4U P,H, ~ 1\71.1 01111111, "" I'""u 2 1'1'11, NIIIIIIII\\'IIlu'lI "1'1"1\1'.1 l"U1\'IIIII~1 \\'1111, Ihu 111111'11.'11 11\\'111,1 IIl'utill 1111 Ii IIll1ul'h~1 Ihu II'I'I"I'.IIIWII 1'11111 ul'lhu il111l\ilU., 11111 lull"\II111I 1"'1' Ihu 11111'111\\'111'1 1'"111, 1111,1 ,lillI' II',^IIIIIII 1'1I11111U11I'YIIII'I,"hl"1I1I11lI'1I1 IUI,IIIUI"" Ihu 111111111111'<1 1'11I1\11111', UK I"IIIIIU IUIII*,'IIIUI1111 1I1111U 111'1111111\1. puIlUl" NIIII"II\\'hhl IhulI II'III1U'I\IIII1II1I, h\ 1IIlll1lh'"lu Ihu luph"'.1I1.111 ""I1IIIWllllll-1li~'\lI1 hI' Ih. 1lIl1l'ho, Ih. "\I\1I1II'UI~ Kllhlllll II~IIIIII ~II'II v"hl~ (I'\\IV) 11\\111.11 III Ih\'III"l'il\l, III Ih. 111.111111111., Nllllullwhl.IIl1I,1 $ UI,I,V'l Iu 1\1111111 hi 1111111\ Ih. 1"1111 1I11\'II'luuI' III HI,21,I,V'I, Ihu I\IlV 11.1 hI' Nllllullwhl.', UI'I'1I1\""llu'" Ih. $1 ,111111,1111 t1\11hWllhl., ' )llIhln HluVul\" Ilul\l\>4llhll mllllllll 1111 11111 IIIIHI" Il1al Ihu Irllll VilliI'I 1111I11\11 JllrlHIII\lllil1lll1 hUll I' IIlIlIl\otl \'11111111111I11 1I1'1I1\l1111'1\, )1II11\U HIIIVIIIIIII'III1I1I"IIII,ullll1o 1IIIII1IIR""1 II111illlllWHi 1I~01l1l1l1l Ihlllllllll'l" hllVII 1111 IIl1lhlll'lIy III 1IIIIIII'mll\u whulhur 111\ 1IIIIIIror vlllllll\>4lll1o I PII'^ I, ill1'lIl1l1l1l1l1ly 1\1l1l1wH 111111 ~MII 111111 CllllrI mllY 111'1 1111101'11111111 whllllllll' IlIu 1>"1\)111111111'11111111111111 vlnllllllillllo 11l1I'^ I, 'I'hll HllprlllHn \:ll\111111' 1'lIl1l1l1ylvlIIlllI 1I111111ullllloIIIIIIII IIUIIIIIIHII Ihul'u '" II IIYIlIIlI1l III' H111101l1lll" oHlllhlllll1\>41 111111111' 1110 1I"1'^1, Ihol1' 1111\11111111I1 1\'1 Ihlll^lullU lIu HIII'IIlolllonloll hy II Jlllllollllly IIrnlllllll UIIIIIIIIII '1111111111, SOli, 1>'^mlll'lIl1ll1 1', l'ulillllylvlIl\llI NII!i1l1\1I1 MI\II1I1I , Clllllllllly 111111111111011 Cllml'ally, 494 I'll, 5(1), 4~ I ^,211 9(,C1 ( I VIIll"" ' Thill 1IIIIIIIy "I'polll tiIlIIIWIliI, IFN21 ^Iallil pflllllllllH lhlll IHIIIIIIIII\lI' 11111 CUlllllllllfII\l1l1l1 ,,' I'N?, Thl. 1111'.1 111111111111,,,1 "\I1111"I"hl.I"~III1'. Allllln'lI 1..lll1ulI III "lInllllll Ih. IlIlIpllil'" lIwII,,1 \VilK 1~1II1.I~d fIllIIII hI' Nnlltlllwhl.'. 1II1I1,o'I"\l111 pllYIII~lIl ur Iho hlllllll"U ul' Ihu 1111'11111. Thu '11111 1""wllll"IlI'KI'. Il\lli',. Ih. III", "UUI\, Ih.I.I'UI., ""l1""lIl1ld AIIIII"'K 1"111'.'11\11 IIUIII".II;"", Wu, IlIulol\"., Ihllll 11111 I.vl"w III Ih. 111111 11111111'11 UIII.I """yl""'IIIKIIIIK'\IIllh. '''III., " (\) Whlllllol All IIIRIII'II! '\\'lIloh l\IICIIH 1111 hlKIll'lul III IIlrll I1IIIII1HIII 111111 IIIlIlitlllll,lIlIl\1I111111111 IInllll III UIIl'I1f1l0 II 1I1ullf 111\111 11111 lor Il1u Inw 11I11\ Iho lllliloy C\111111111H IIlIIlflll\h'l (2) Wh~llIuI 1111 ,hIHII[OI' whlllll 1\\10011 1111 hllllil\Ji1 III hlrllullllllilollll1l1 II1HIIIIIIIIIIIIl\lIl1l1l1ll1l1nlll!IIIIIII(\IIUU II 1I10llH1I111 (If (Inmlll\ulI rU\llIlIlo<lly 1111<1 1I11\\'lIvurllluly III1HIIIIIIII<I lIy Ihll l'ollllHylynlllll ^1'1'1I111110 CIIIII1H 1\11 1IV111 ,.Iilly (C111) yllArH, 111'1111111111 11111 nllh'l ' (~) Whllllllll Ihll 1111111I1111011 plllluy IIIHl1ul1 III' 1l01l11ll1l1l0111111 MIWllllllllllUlllpllllllll1l 11111 Hlll1l1ll1l1llyo Inw>> III' 11111 Cllmmllllwllllllh 11I1I11Idllll\ 1110 Ullfllll 1IIIIIIIIII111111'rnollollll ^1I1" ClipI', WI WIIIIIII)I)I) Nil CIAIIIIIII Ollll, U,S, C/II\'I, WUl'kH W' I\'~II m~ Wllp "" ~,I~ 1'''''llll'H, ~~~, !~~U, (Hr, 1\'~11122~, !!, 2.m) (<I) WhulIl~r ,h~ Hlnl\llnlllH Ilul1l1~I' 111 IIlu \1111'1111' hIHIII'';II~~ I'r~ullu~H I\VI Hhllllhlll~ IIH~d h.I' Ih~ ('lIlIrlN IIH Ih~ Hlnlllllllllli'l' Ih~ Illlhll~ 11I\lllulllllhlll\'~ 1IiIIlv,I' Ill' Ihl! Pllllllllllllw~nllh 111111 IIH~d 111 ulllnhllHh hnll IlIlIh Il~r Hu'l NIIl\vilhlllllllllhl~ Ihl! 1I1111\'~.UlllliiIUI'III~11 IIII~HIIIIIIII I'IllIIUlllul', w~ IIl1t~ 111111 Iluunllllu JlltI/lu SIUWIIII IIlHII1II1HIlII Allllln'H I'vlllhlll IllIu III IlIuk \II' .Il1l'llIllIullllll 111111, hu,,~~, Ilit.' 11\11 r~lIvh Ih~."WI'IIII 1'1' Mlllln'lI I,ulllhml (\lnlln'lI I\llIIIh 1\1I~lIlhll\ I'IllIIVlllvd III Ihll 1I11~' IIINIII! I'rI1li~rlx Ilul\'r~ I tlH ~IIl1l'li Ihlll III, whulh~1' lI,u UII\lIIII Ill' Ihlll ~1'III11\1lIlWllllllh II!'I! l'I'I'IIIllIlId III VIIIIIIIIIIII l'vllll\l"H 1\11' V\lIIIIHVI l~vH, U\lHIII, 1'II11111vu Ilnmn/lvII, ll~"U vlv" 11111'111111111 1\1 42 I'II,P,S,I\, # IIUI, hnllllll 1111\111 'h~ hnlllollh 111"\1111111 \II' IIIIIIIIWII nil 1IIII111ullllllhll I fIll\ Ill' "Ihul' HIIIII1I1I' 11111'11'11 FN,ll Thill uIIIIII ~1I1111111 ,! 12,), IIWhlv, Ihvrvlhlll, wllI'Ihur Nnll\lllwlilu'lI IVllllul' ,,1'1111 1IIIIIIIIIIIIuIIII Ihall Ihu 1\1111111I1111111111' Ihu 1IIIII'II'u'H IIWAIII prillI' Ill, Alnlln'H t1Ihl/! 'Ill' Ih~ 1IIIIInlll lIullllll, 11'1111\1\11 IIIllJIIIII\lO III Alnllll'R "Iuhl III I'UIIIII'l!l' II Inmul' "11\1111111, I!II11HllllllulI hmllhilh, Nuu KIIIII1\III1I1 V, I\ulllll (1111111l1l1y f<. Sill', PII" 19'1 1",1'1\11'1" 131 (Il,Il,I'II, 1')92), /, "N~, 1'lIlhlwlnll 11"11'111111 Ihll' III' IIH Rlnlllllllllll III' lJllo.III1I1' 111\'1'11'1111, 1\1111111 1I1'~III1Wllldllll' Ihollhll 111111 Olllllt ,I hi 11111 ,ollllh Ihlllllolll. IIr Ii. 1111,11"11 I'll' """"'01 'fo~., 111111hl>> hl.IIIAIIIIIIII II IOllk"dJllllllllplhllllll IIXIII11I"o Iho hlll",11 OA"" hlll>>hl "r"Uoil",llllllA \'III111Ihll,", 111l21PlllllllnllX, Wu 1111111 nilI' IIlal\ll"rll IIl'rllYluw III , 11111 ~IIHII, '1'1111 rull! III' "" IIl1l'cllnlU UIIIII'I11l r"vlowlllll Iho 11'1111 Olllltl'lI 1111"1.llIlll\l1IvlIll~ III 1I11lurmlllo whulllul' 11111 1111,11111\11 Ill' 1110 11'111' ulll1l1 HIll, "111'11"11"" h)' olll1ll'"lulIl uvlllolluu 111111 wllolhur Iho Irl"1 Ull11l1 ,U1l1l1l11l111l11 III'll,r III 1110 1I1'II11uIIIIIIII III' IIIII', FI1I111unlloro, Ihll 111111111U' Ill' Iho Irlnl ,11111110 III II 11011' Jill)' vnllu 11111111 hI! [111'111111111 .nlllo wolghl nllll ull~ol 1111 11111'01111111 II Jlltr WI1I.lu11l1l11 will 1101 hu 11111111111011 1111 111'11"111 IIh'VlIl UITIII' III', IIIII' III' nhll'u III' IIIIIUI'I'III1I1, SInll1l \', Wllllllnllt 412 l'II,NlIl1or, 2111, (IU~ 1\,2I1,'IIJ 1I99~)1 nOlllor y, CIII/,UIlII &. Nllrlhurn Hllllk, "'n "",SIII1UI', 'W, ~99 A,2i!(,7~ (19')1)1 ""rlul'v, Knill" , 109 I'n,SlIpur, I ~9, ~91 (\,2d '1U9 1I V911, WIIIIII Ihlll uIIIII'I wI'luwH Ihu Illltlhl[lH 01' Iho 11'1111 JllilI\II, Ihu 01'11101100 I. vluwoll III .11111 1111111 IIII1Hi' lilvol'lIhlo III IIII! 1'1(;lorlollH pnrty hulow '"111 1111 uvlllolloll 111111 pl'ollor IIlluwllou. lilvllrnhlv 10 IhlllllRl"Y 11111'1 ho IlIkulI IIH Irllv nl\ll, ollllwr.uly, 1111 IIl1lhvol'llhlv IlIlurollooll ro.lL'Ulod, Nhllrl y, Mulroll\llIlhll Lilli 11111, Vo" ~~9I1n,SlIllol', 124, 'I""!\~ 'I~~ 1\,211:1'1 I t1UU~), . Thl! i'~IIII'l'l\'nlll" 11111111111I11 f ~1I11" 111111 hlllll hllhl Ihlllllll 11111111111' 11111111 II~I Wllh Ihl! "11111111'1 1IlIlIIllollh" III\\'I11I111t1 hllllllllll, FlXlnll I', 1I11111rllllOu I ~II, \II' I'll" ~1I0 1111, ~,'~, ,\~I\, I ~ I A, 2~~, 211(\ (I9~llJi HV\I nlHo pOl'l'lI11 v, i'~III1'l'I\'1I11111 Nllt'l, Mill. IIIH, I'll" ~7.IIIII1' ,171, ~~'I 1\,2,1911(, (19119); CmnlulI I', 1\~llIn CIIHllnll)' /V. Sill', (:"" ~~') I'll, 4~9, 1:\4 Mil m (I')~1), Till. Iwlldllollull 11111)' III IWO~,I,IIII)' "~I!nllllo III' Ihll "1'~~11I1 IIIllIlIlIlIlIhll1Ilvlw\lOlI1111 11I1I1I1'UI' 1l1li11l. hlHlll'Ullllllilllll! 1'111)' ~~"' IInlllfll Ill' Iho 1I111111'1111~1! ~IIII1I'IIVl, Tho 1r11l1l1\ll"1I IlIlIl' III' 1(IHIlI lilllh, Ihvrullllll, III 1IIIIIIrnullllll 11I111 nl'llIu. IloOIIIlH1! Iho 11111111'1111011 1!1I111111111)' AIIIIlIlIloH II 11III1VIrIl)'.IIIIIIII h)' I'lrlllV 'II' Ihu 1'11111111"11 III'IlI'llIltlllll whll!h Ul\'\! Iho IIIHIIIW Ihv 1'IIIhl III hlllll I~ I!llIltllll 1111I1 OIlIlII'llIHVlllvllIulIl, Soo, o,/Ii, ClrllY v, NlIlIlIllwltlu Mill, 11111, CII" '122 I'll, ~IHl, 2,7~ 1\,211 "(I%(I),' III ll'Al\lllrlllll1l v, l'ulIlI',I'II'III1I11 NIII'I'MIII, (lllllll"lty 11111, ell" '19,11'11, ~1I1, 1~1 1\,71' 1)(1(1 (l91111,Ilru UIIII\I rullolllll'"11 h)' Ihl! 11'1111 1!II111'I III IhlH UIIIIO, Ihu SIII'IIlI1lI! CIIIII'I Ill' I'ullllllylvlIIlllI IIL'Ullrloll III 0"'"10 II 0111111\11111 III\\' rUIII~lly lhl' hlllllollll 1I1111nrl 1I1'11I1I1Il'I'l'lI, hi" '101 I'll, III ~07, 4~ I 1\,211111 910, \I t 9911,Ihu I'ullllllylvlIllllI lu~I.IIIIIII'\lI'Olllilll"lo(1 h,v ulllluHlIlI ,'~ I'II,V,N,I\, ~ ~~71, \\'lrluh 1!IIlIIIVIlII .1111111111')' lllllll!lly 1\11' hnlllolth 11111I111101: 1111111 nullllllllrllllllll IIl1dor nil 1lIlIlIl'lIl10IlI'lllloy, Il'lho vll1ll1 1lIllIII Ihlll IlIu hlllllllll' hllH IIUllll1 III hnlllilllh 11111'111'11 1110. IIIHIII'I'II, 11111 um"I 1Il1l)' IlIko 1111 III' Iho 11I1I1IWlllll1lOflllllll: (I) AWIII'II hllurulIllI\l .Ihu nll1l1l1ll1 IIl'1ltU vllllln.", (2) 1\ WlII111'1I11111vc IlnmnuolI 1I1111111~lllIu hll11lrol', , P) AIiIlO'1I V(lHrI OIl~fH 1I11lllllllll'llUX l~oRnlllllllllnhu 11I'"IIll', ' 42 I'n,(),S,I\, # 1I~71(01llI'hlllllll IIlhlod), I\lillm;lIh Illu IIIIIUIIII~o Ill' SOUIlIlIl."n I III 11111 ulu"1' 1111 III wllulhur Iho 1111111110 ul'\'nlulI 1111 IlIllul'lIlIllolII \lnIlHU III' 110111111 III' 1II011l1)' 111111\\'11 II Ullllflllll'lllVlllu nil nlhllllllllnl rUlllolly II' IIllulunnllloll 111111 nil IIIHllrllll\ill ollml'lIl1Y hllll lIulu(1 III hlld lilllh, Iho ulllumlllK JllrlHllI1ldullou h'lllltH , Suullllllll~" I 111I urunllnl\ ,11 lIul'nl'lIlo 111111 dl.lll1ul pnllllo III' nollllll, SIIU Knlllllnllll, 11111'1'11; (,lIl11hlll1l11 v, SInlil Fnrill Mill,. 1\\1111, 11111, VII" IIUII JI,HII/ll1' 2011 OW,I'n, 191)2)1 '.uoIIIIIIl Jo\ SlImm,JllI,jlll',211 II1111rnllUII # 22:9 (1991) (12 I'II,(),S,I\, ~ 1I~71 111'1I\'IIIUII Ihr n lIul'nrlllO 111111 IlIlIu1,olldolll 01111.0 Ill' lIul Oil nllnlllal 1111 11I'"I'Or),''I'III11 IIIIIIIU III nl' \III 1'11111 Ol1l1UUm 1\1 Ihl. un.o, hll\\'OWI', hounllHoMnlln did 1111\ 1IIIIInlll IlIu IIl\llurlylllB " '\, COPI', II~ WU'II999 Nil Vlnlllllll 01'1", IJ,S, <1111'1, Wllrk. fi'Hi 1\.2" 122" ((:IIv 1m .I,l" "II,/iI','PI', M", '""'I Mfi ",~II InH, II P.II> n~1I1111 viII II II~IlIhlll Iltl' Vllllllllpll\J\I" 111I1"1111111111 ,,? I'n,p,/i,I\, g "~.71, hili 1'1I111~r, VIIIIIII1\lIl\l1lt1 IlIv Illnl \'11111'1 111'!IIlV\JilhIR" \'111 II" IMIIIIIII iii \'1I111111!1 IIII' 111II"hl'1I III'IIIIIlIlhlllllwnnl, " 'M2 1\" p~nlllllllllllllllll' Ihl' rV\l1I1I1 "I1Rill'"'" IlIn\ nllvl' Nllllllllwtll~ IVIUI~l\IIt III~ llllllllWV III' IIIP 1I111f1111"" IIWIII'Il, AIIIIIII 1\111111' 1111 mnl 1111111111\ litr VIIIIIIHIIIII'IIH 11~1i1l\l JlI\lu~ H1~I'I'II11 IIIII'HIIIII!I "I ~,'~ III '12 1'1,,1 !,~,,\, # H~71. I FN" 1/i11fll'ill1I1IU 1I1111111'fllllllllll Ilrl~lk\\VI'II I1IIl1I wllh 'h~ 1!1I1111 AIllIlllIlIIll'nlllr III' I.II(~III~ 1!1I11111)' 1I1Il11llnll~ 1'"l'llIflhp l'\llllll'll, HvI' I'n,II,A,II, I U21, I'N4, l!\hl\lw~ Ihlll AIIIIlIIII!lIIll' 11111I1~11,11'III1I1HUI ['III " III ~lIl1ll1ll1llllllllho 101111lllll \'II1'l' 111'11111',1111\11 1111111111, IIH IhlhlWHi "11'11111111110111' (1\1111111',) [I"llIollllllr "1""1,,1 1\>1>11 .., I, hllloltl' do"lllll," (vlIII'hll'[' IIIhlo,l), " II III I'I~III' lillll Ih~ PII'A 111111 III~ Ill'fllIlIlII~lIt III' 11I1I1Irnll~1I ll~ulIllIlIlIlIH ~IIII IIIlly II~ I'lllllIWd hy III~ HIIII~ IIIHllrllllw 1~III1I1!11HHIIlI1\l1' 111111 11111 II)' WII)' III' flrll'nlllll~lIl1l1. 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I1ni1:ll~ atf\1:Il11 IIn,1 1:h(;\ Ou\1aciuUU:!,ol'l of thia 8omlno\1'" "IaA1l:h Anrl thlll: Will w;l.).l cl;l./1I1hllrBa "ha cll1l:i\l!l t f oy~ OC)h\ W ~h ~,~Il~.\~~L,\ C' CA_..~ " ,.....".".." "'" ji11\nn '.' ~' C/',,~, /' ,( , - ~.;~ . ',t J." (,,'.1- L.. /' -,. ,..~.., " p ,...... . .- ...,~. -. . "'.' , ... ........,.. < '~~':\'\'i"{,,'<:: .'.~, .' "'''\)'\~~() "',,. --.. \. " I '- " , " t\Hf.RD Wn, tl,e unrlaraiB\ll:\d.. arb:!'t'l:'!\l:OfS, hAvi\11l blla\1 <lIl.).Y appointEld /Inti sworn (at' llffi~ad), mllka tha fol).oWi\1~ AWArd I (NOtlll It 4a1l\l1l!Bsfot' 41!.\.ll,y IIrB llWllrc\ed, chay shllll be ,sIlPflra1:e.l.y a tatad.) , , f) \'V\l~~:\ \)t:f\ ~ ,.i) '~L.A: .\ cLLtit CJ\"IQ ,~" \'~~~J.Jit~;" '\<~d\b ( ~ (L44J.~.C/~) " ' , - I; - , ),/OL''. ,(' 0~, /,e:"')t . Arbitrlltor, diaaanta" (l~llE\rt I1l1ma if apl3li7iiib'~,) ~.' "',', ~ :L.\-'}/ (,\ , (' , Data o~ lillaringl ;J .2J. ' ,-,,,>,1, '\'\>v\)~' (:~ A'\._ .. ' , ~d ~ . .- ,/ "ha;L t 'l, ,/1 ' qC'I_ ',/ /'/ .', ( {~,:~"'... ,<'I", " l; , \" Data of Award I ~.....-I-\: -:"",,~;':"'1~ ",,{~ '\. .' ., (.~r.~('tG (,'T,IF"..) 1,\\ "~\'(J~':"H.' _>_.')\\~\. _ MOTICE OF EijTRY OF AWARD Now, eha ~(. (I.- day of ''1ll,/q.;,I-." award"\Ias lI\1tlll:sd upon the doakat and partias or chair al:tbrneya. Arb1cratol:s' oompBneacion 1:0 be paid upon appaal1 $ iI'1rJo, ('0 ,19'7'7 I al:/~. f/..:...l1" the abo'l'll notioa thllraot giVll" by mail ~o' thB (I' /) ,j? ' /1.,ti..LJ..c' l.t ~I'j' ~ '''~'' ' 'P otR notary ( ~, .. . I ---:.:.:... I.(IIL~ {(~. )tL,I)"~'J '. Qaputl' nYl I I I I ., \)\)'-'1",' IN(Vd-LAA'.I' ,l.: (:.\.'\......, j\J(1''\ cL "(: I~"'" ') . 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