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HomeMy WebLinkAbout99-00673 I,. " '" 1\ " " " " " " I;' ii, " " \; i' 'I, " " ,I' " " " " I,i " ,"; " , 0<' II il , " " " " " " ,. " ",- '. ,.I d' i! i;" 'I' " .. :I I" ,. " ," If (I I', I, '1 " " " ii, " "'j; " "." 'i " ;. " " " 'I' " " "" " " " I, ii " ,. . Ii 'I,' "1' " " I. " ", 'i " .. /, I' ", " " .., p " .' ;'j, !; '"' " " 'II " " it ;" " j, " " n " /. " II I" ; 5, , , " Ilia Ilw p\lrpllijp IIn~lllllolll of Ihlij AllroonwnllP soulo t\Jrpvor !In" ~11lllplolplYllw In\ol'oal lwl olll1l!!llIonij nf tl1\l p!lrtlosln 1111 PI'Opol1}' lhiil' 111\IY pwn ijop!\r~lu!y, llOlI ,\111 prp\1llI'\Y thlll WP\II~I \j\Hlllty liS 01.\11'11111 rroplll'lr \11\1101' the ponnay!vlloln Dlvoroo CIlIlll, Tlllo n ScoHpn 33(1I(c), 1\1111 " ' thnllij rpt~rre,1 10 In 1111s AY1'opnwl1l ns "tvllIl'll"! Propprly", ns botweon Ilwnwolvcs, lholl' hclrij nnd nsslllns, Tlw pl\l'lloa hnw \II\01\11110lIIP IHvlll1l \holl' Mnrllul Pl'pporlYln n 1111\1111\11' 1111\1 qpl\l\lllns Ip '~ J\Iln onQ filiI' slnndllrll, wl.lh dllll, I'\H!lIl'1llo Ilw rlllhls of olloh PllrlY, Tho (IIvlslpf\ of c~lsllng MllrH!l1 ProperlY \Ii nOI InlQnllcil by 11111 pl\rll~s 10 oonsllll\lQ In 1111)' WilY !I sllll/ oroxahnollo of I\sSllls, !lod '11w dlvlijlon Is bolng oft'ol\IOI\ wHllll\l1 tho Inlrpd\\otlon of o\llsl~lp 1\lmls or olhll!, " ,prppol"\)' nPI \Jonslh\lIlng u pllrl of Ihll, mnrh!ll \Jsti\I\J, ' 'Ills tho 1\111hol' pm'pOSO of Ihls t\greol1lOl11 to soulo Ihrovqr,nf\I' oomplololy !lor ohllllnllol1 ' ,. \IndoI' Iho Ponosylv1\llln DlvoroQ,Code rolnllplllo spo\lanl s\lpport ol'\lllI11ol1Y, , 6, ii, 1/' Elloh PIIl1}' roprosol1ts lIf\d WII\1'lIl1ls Ihll\ he or sho hilS hlld s\lftlolol111l111ll' !II1~IIIOaOSS to 1111 Info1111111101111000SSUI')' 10 on\or 11110 Ihls t\grool\10111. Inol\ldll\lllnll not IImltod to proporty Inleresls or'nnr I1l\t\\re, whother porsol\lIlor busll\ess, IIIIY 111011gll110, plodge, 11011,' olml'llQ, soo\lrlty II\torest, , , , ,.onll\ll11brI\110e, or roslrlotlon to whloh nl1Y pr~fllll1Y Is s\lbjool, ul\\Jh pllrty I\\rlhol' reprcaonls thnt, allho\lyh \101 1111 tho Infom111(101l was' rcq\lllsted, thllt ho or sho Is slI\lst1cl\ with tho olloporntloll nnd dlsolos\lI'o o(lho proporty Intorests ot' un)' Illlt\ll'o.of tho ~tl\llr pl\l1y, ul1d IVlilves III1Y rlllhl to' mise the lllok of dlsoloSUl'I\ of property Inlorests of 11\1)' nllt\n'o liS u <lol'onso to IheonlbrcQl1\o\lt\l1' ' , " this Agl'oolilolll. Itlloh 1'\lI1hcr ropresollts IInd WIII'I'l\l1ts thllt he 01' sho hila 1I0t mado IIllY glt's or, , ". trtll1sfors thr Inndoq\lnte oonsldol'lI\lon of,Mllrltnl Propol'ty IV,ltho\\t tho plioI' oOllsol1t of tho othor,' Elloh ('1I11y uokl\olVladgos thnt, 10 tho oxtant dlllllrcd, ho 'j)!, she hllshlld MaoSS \01\11 jolt1\ , , \\nd sepl\rute Stllto 1I11d rederul TII,~ RolUl11s iliad hy or 011 hebulf of either or both 1'1\11108 d~lrhlg IllUlrluga, I" ., ,', " . ,; " " .1' " I'. ,", 'i 7, " ~~lt ESTI~:m: IIUSMN/> horoily 1i1~r\l\lH (0 tnllIHlilr tll WWlt \ll\llhlslw pllHSos~llln , 'Ill' ,\I\l.l mnrllnl r\lshlUl1IlO lit lJ I ~ Nlxlll1 Prlv~, Moohnnlusb\lrll. CllmllllrlillHI!::'llllnty, flullnHYlvnnhl, ' nnlt wfllwnlV\l nlll'IIlIH, Iltll1nnllllllorusllnlhu prlii1ur\Y If Wlli'm Oh\1I'I"U" III doll <<nld pr\1poI'W, '. I' t' IIVsQ,\N P nlll,'OOS III \IXOUllto II duod wllhln Ihln>;IJIl) dnys I\'llm Ih~ dlll~nf tho uX\l~\lIhll1pf Ihl<< AlJruunwnI Irlll1sfilrril1U snld proporIY.ln\1l WIJ1W<< I1HI11O Imllvldllnlly, I1l1d W'lJ1J~ nllroUS tl1 IISS\1l1101\llllllhllhY thr nl1dlndull1l1lty IHJRMNP lIunln<<llhu 1110rlll~IlUs om'l'~ntIY nunln"1 snlll , l'osldol1ll0, 1I1111,\1Ilroos 10 bo sololy ruspol1slblo lorlhu pnymul1lR nSRoollltod wllh Rnhl 1l1111'tllnllQs, ". - .. - , I" , WfF~i 1\lrlhol',nllro\ls to hnvu HUSIl,\Nfl's Ilnnw l'UI~\ovoll n'OI11 tho 11111rlhll morlllllllllR wUhl11 one (I) ~U,llI' ll'oll1\lw llnlu of t1w O,~~u\ltloll of thin t\uruul1\\llll, Thu rU\11ovIII of IfUSnr\Nfl's' " I1l11nO ,11'0\11 Ih~ \11ortU'lllus shull OUo\II' clthol' hy rOlll1nnuhl11 01' 1I<<8\\I11i;,lol1 of Iho' O\I1'I'Ollt l~lurlllullos by Wfl1f~, WIFEIIllrOus 10 Pll)', IIIJSIMNP lho Sll\l1 of $6,O()(),()(j within sixty ((iO) " ";, ; 'ljllYS tl'om 11\0 dlllo ofu,~oollllol1 orlho dood hy flUSJIt\NI> 11'1\l1<<rorrll1lllltlu 10 WWI!;, ',-," H, 5UPI'OI!t: " SPOUSAL, SUPPOI~'fI Bo\h pllnluR horuby wlllvo IIl1d Ibrullo nllllnlllllllllllllld I1llltolinl Ii., spouHnl supporl Irol11 olloh olhol' IInd nlll'OIl nnl tll l'oqUoSI 01' sook t(~. ob\lIln 1llltnllny,'l1l1l11ony pCl1llJi1to lI1o~ol' spollslll SlIllpol't holbl'~ 01' IInOl' '1lllY dlv(;I'oO whluh muy ho !J1'1It1lod, , , COL,l,EQlC SUIII'OI~TI' Thu pllrllo<< hOI'oby l111rou thnt ol1oh will pny oni,l-hllll'(1/2) M , , thofl'.ohlldl'onH' oollogu UXPOIl<<OR, Tho u\l1o\lnl (If'siipport, thorol'oro, shull ho dOICI11i11111d nR lollows: Iho SlI\l1 01' tuition. room nnd hOIll'd, I1nd book OXptlnHo<<, less uny \llIlI\R ,nnd !lI'lHl.tR rllolllvc(1 by thoohlldiohlldrcnl tho remnlnlnll hnlunuo shllll he8pllt cqllully b~thu pUI'tlos, . , " 5 9, " 1'lilnSONAL PI~OP~I~TXI Tlw plll'II09 111\1'0\) Ihut Iho Ihllowln1\ HOl1\a 01' pllralll1l1l\y \I>>lod Iln nxhl\1II "t\" lI\1uoho\l horolllwhloh 111'0 0111'l'01l1ly In Iho IlOKs09sllln of WIVIe wl\l Iw. 1I'I\I11'01ToII III Iho p09~.0>>Hllln Ill' IIUSlll\NI> \lpon Iho slul1ll11\ of 1I\la 1\!!l'ool11ol1l, Thu purlloa , . ' , )\I,I1hor 1I!!1'00 Ihlll ul\ olhor 110l'sl1nul proportrl1l19 \1oollllll'lllod \0 tho purllos' 11111111Ul slltlathotlon, Tlw WJI1Ie horu\1y wulvos 1I111'1!!hl m1(lllIlo whloh sho 11111)' hl\Vo In IIny pOl'sonl\1 I1I'0PUI'I)':' I}f tho IltJsnMl), 'Il\JSIlANll,lIk\lwtso wIIl\'Os IIny hl10'I'OSI whl\lh ho hus' In Iho porsoiml pl'npol'l)' of Iho WIFIC, Honoolhrth, ol\oh oftlw purl loa shl\lIoWll, hlll'o 111\11 01UOY IndopOlldonlly . ;/ I of uny 01111111 ol'rl!!lltl1f Iho olhol' Pl\l'ty.lll1llol11a Ill' pUl'sonul Pl'llporty ,of OWl')' kind, nil\\\l'o Imd "" ' lIuaorlptlon IIl1d whorowI' SIIIlI\\QlI, whtoh Ill'll IhOI\ ownod ,Ilr hold \1y \11' whloh mu)' horolll\or !llllon!! \l11ho nusui\lIlo O\'WII1RwHh 1\11I110W01' to Iho HUSUANI> or 1\10 \VIFIe 10 dlspnall ;' " , 'I " of aun1\lua I\llIy 111111 ol'l'ool\llllly, In 1111 roapopla unct Ihl' ull P\lIVOS09 liS If h001' she WOl'o , , IIl1ml\1Tloll, . " It 'I '" " " , ,,' , ,. 10, ,\ 1.n'O lW~ " J.Llliil (II)' WIFE shl\lI wIIII'~ IIny I\nll 1111 Intorost whioh sho Il\u)' hllvo hl tho To)'otu pick-lip trllok,nUSUAND shllll rollnunoo uny 1011116 lIasooInlod with snld vohllilo within lhhW (30) dllYs of oxocutlon of this t\groOlllll1lt tl11'01110VO WIFI~'Snllmo 11'0111 tho. 51111111,. ,. " IWSDANI> shllll 110 rosponalblo t\w IIny IIl1ld olllstll\1llh\!!lolln pllYl110nls 1\111' 1111 hlslIl'llnco " " on slIld voillclo lIl1d. hold. WIFE hl\l1;lloss 1\'0111 nllY ohll!!l\tl;lnR on. Rllld 10llns l\nd " Indoll1l1lt'y hOI'It' I1ny ohlltll Is mlldo ll!!lIlnal hUl' with rospool to sllmo, 6 (hl 1I11!lMNP nlll'll~& 19 wnlvo III1Y \\11(\ nil .lnlllro&t whlph ho 111ny,I"lvll 111 WH~Ji:'~ 1994 qrnml Chol'ok\l\l Joor !\IHI will algl1 tlllo pfsnll\ vohl\llll PVp,1' \(lWlJl~ wllhln thirtY (~O) dny& Of\lXIlP\Hlp\\ nflh/a t\1l1'1l0I1WI1I, WJFJi)~IH\1l bl! r\lsrlll1alhl\l t\Jdiny , " 9\lld tl\llatllndln[! IplIl1 pllrlnlll1la IIl1d (III 1118\11'1111011 PI1 Sllti! vohl\lIIlIl.l1ci !iP\(1 .HlJ~1li\NP .. hl\nnl\l&s IrollFIII1ynl11l1l1l1lons on s\\IIIIIl\\I1s 1I11(llmlpmnlfyho\',lf oOY ollllm Is 11\o\IIl , nllllhlsl ho\, \vllh rospeullo 8111110, " "II, 11 ,. " ~IARll't\L DEIlTRI l\ Is 1\11'11101' 111\111InIlYI\/jroud by I\n(\ blllwoon Iho pllrlllls 11101 WJ11Ji:. shnl! II&S\l!~Q 1Il1llllbllll~ Ibr IInd PI\Y (lml lildon1l11/y t\1O II\JSllt\NP IIllnlnst 1111 (\ob.ls h\clnTOd hy , . ,,' 'JVJI1'E: 01\01' Ihe dnlo of ftll\illro\llln, WJFI!: I'llpl'osllnls 111111 wlIn:nnls to IIUSIlt\NP.\Imt slnll~ Ihll pllrllos!, mllrll(ll sepllrntlbn sho hns l10t oontl'lIlllod or 11\0111'1'0\\ IIny dobt or Ill\bllhy Ihr whlllh .. ,HUSIlAND\lI.' his Qsh\\o might be rosponslble IInd \VIFIJ:' I\\rlhor I'opresents Ilnd;vllll'lIl11s 10 . ' . . . . ' , HUSIlI\NP Ihllt she wt\1 1101 001111'1\0\ or Inolll' ol1Y llebl or tlhbllhy oner tl\ll 01l1l01l1l011 of Ihls . "A!JI'eon1Cllt, Ibl' whloh HUsnANp or his est(llo m(llhl bo I'osponslble, WJFE sholl h\dol1\l\ltY . .' ., , (\tiel SIlVIl (JUSDANP hrinl)loss 1\'0\11 any and (III olnh11s or demunds Ilwlo agllhl&\ him by l'onsl;;' of dQbt& or obltYllllol1s Inollned by hl)l:; IJUSnt\ND shalll\sS\111\0 nil liability tor I\l1d pny nnd hl1\0l1\l\lty.\ho WJFK nglllllsl nil dQbtg Inourred by HUSBt\ND 111\01' tllll dlllo of sepllrnlll\ti, HUSD!\ND 1'0Pl'osol11s nnd WIIITlIl\ts h~ WJF(t Ih(ll since the pnt't1os'lnlll'ital Sepl1I'(ltlon he hn& 110t contl'actull or Inourrod (illY dobt or Illlbllity tor whloh W\I1E or hor estllto mlghl bo respollsiblc nnd nUilllt\ND t\lrtlwr roprosol1ts ,. ." ,. and lI'urrnllls 10 W\I1E Ihut ho will nol cOl\tI'UIlI or inolll' OIlY dobl lJl' \lllbl\lly n1\ol' tho oxeolltlon of 7 " ." " ./' " "I "" " " ". I ., , 'I this Agl'\lom\lnl, f(ll' whl\lh W'f~' 01' hO!'\lsllll\l mlolH \w !'\lsrpl1~lhl\l, "PIlIIMm~I\!I11 " 1~(llllnnil'Y rin(I~~vpWUr~ hm1nlo&& ,t,TPm IInnnd 1111. \l11l1111~"1l1' 11\l1l111l1l1~ 11111111111glll\l81 hilI' hy , rPIISlin pf(lcblwqr pl11101l110ns In\l\HT\ld by him, " ' .' I " " .. . WJflJ: IIgrpos tll !lll}' lInrl, 1'1l111l11n BoIlll}' ,1'0&pPI1~I\lI\l 1111' Iho ,hllllllWIl on Ihll "11i,1\ ol'llllh , 0111'11 In Iwl' nllnw ~lol1i); IHJSll!\NO uorcos III pll}' \111(1 1'0111 II h, HIlloly I'UHPlll1Hlhlo !ill' thl! hnlHI1\lU ;" ;. "', 011 Iho YI~I\ 0\,01111 \l\ll:c\ In,hlB I1l1111o 1110110, IHJSUt\NIl IIIlIWH III PIlY 111\11 l'UI\IIIII1 HlI\ltly !'oBponslhll!:lor Ihohllllll1oPll11 the MIi;!\'lll~:HS Ji'IHIi'I' Vlli!\ ol'ulIll 0111'11111I111 In ,1011111\11111Uft, " ~\\Oh Ill\lW Hhllll Imlp1I1nltYllndhlllll hlll'l11lu~H '1Il\l lilhul' ,~\'lIh I'UHpllol II1,m}' lit: \1\0 ollllgHlIol1s slotcd nhovll t\ll' whlGh 1111I 01\101' pnr\y Is 1111\ 1'0Hplll1~lhlo, "I " .' " " '-I; ,- " 12, ,; '" INSURANCE AlSO f:NlPLOYEIC mtNEFI'I'~1 , Thl.l pllrtluH 111l1'0o, ,tIIlUIII\y Illii , d _ . . " Ina\lI'lInel1 pollo{us olln'onlly oIVnol1 by nUsnANI) 01' WIJ1re Hhllll l'uI1111111 111011' Il\Vl1. WWlt , wlllvos 1111 I'lghl. Iltlo unl! 01111111 \0 HUSn!\NOIS employoo honot1IH 1\1111 (illY Illii hlBllrlll1Qu .' . , '," pollo{es owned byUUSBANO, IIl1d' HUSBANO Wlllvos 111\ I'lllht, 11111.1, 111111 o 111\ III to nl1Y uf', i ., , -, 'l' WIF~'Somployeo bonol1ls nndun)' \Itb Ins\lrUIl\lO pulloloH oWlloii hy WIJ1It:', " " 13, , 'nUSINESS INtERESTS: IlUSMNt> 110roh>' wlllvu~ IIn:-, I'IUhl, 11\10 11111101' hHOI'OHI ". \, ", tlHlI ho mllY hllve In WIFE's bllSll1o~s ~l1thleH' ,. ' Pl'om .tho dllto of cxeo\lllon or this t\llrllomol\l, \~lIr'CHhllll 1'0111111 111\ rllllIl, Iltlo IInll/nl' ., Inlel'est hl.lllii.! tn Iho ulbl'oBlIl1I business entltlos IIH lilli' sulo Ilnd IIxcl\lHll'o !1l'Ollorty, ,.- ,,; .. 'HUSBAND hel'oby IIcknll\VlolIl.lo~ 111111 WII!I(hIlH IIIHulllHod nllll pl'lll'llIulllll him, Ihl' u~o by his \lo\\nslll IInd llxpcl'l, 1111 'IICCOHSII1'~ dIlC\II\1I.1I1IH In onll'l' Iii 1l'l'ollol'lY \'III\1U llw IIthl'osnld " ," .K .\ I, ,', '.,. HPorloN a - TAP~pa OF ~WARANT~ES " '-" , I' Thfl "I,m 1111111!1i 'N\111 f: h \I) /~dllill1l u 1:1'. I: I VI~ I"\ill~,,' I:llli~, Vl\~ I Thlil 1'1111 j 11111111 IH f: h dl' .\~I.1l AlflC/QI1I: 'i fi\ rillr;h wi tlhdi,.~III,l\I, . H 0\ Wi t;hrh'/1-II"" th~rp lu .11 .ddl~lpn.l aWrr~n~wr , 111~iVH'ld'H'l, TIHll'W i~l,n, "i:,5t\'l~ i:IH"'(l1'il 1:~lt' I fl rn,,\(h~ cJ\II'! llO I: IHI HI' \:lll 9 I'rJ 11 I;U UI1<:1I'il PlilnAltu ~.IIil~ wpon thR fi\Wrran~lilr' ~h~nQIil, ~11I'1'~I1(tf~I' Ohill'QIJI f/(JI' C\.Il"r'l~n t: f.l~n Amolll1l;, " ' 11pllhIJ 8',II'I'!'IIFhW" Pql1~\J flwr 1'''-'\1 ,Iar "Yalll' Gb.Al" \l f.I" Ylil II I' CIHII'IlU I ,. '/t!33,M'l It Il~l::J, 6(1) :2 11!3~, 6\11 n 113IJ,6(1l 13 !t!:\~, 6\11 6 38\1l,'aa I"pli\-\! Yr~O\r SLn'Nlnr1nl' Ch,\!,Qfl' "I 3/14, aa 8 ~,:IJ/I, 16 9 'l!I!1 t '1/1 Tha B~rral1cjar Ohii\rglil .ftf.lr .11 inGreii\le in F.~1il A~6unt ~iil _"rallr on the r~viaedaqh.cJula o'Bana'lt. andPremluma, ,,' "j' , , The ,,011(:Ul0811 lntaraat'rii\ta Ie 7K, "/1-uii\ble, In ~rreii\ra, Atco~nt V~I~ea ,aUbJeqt to indabtednasfil will be credited .t tha rata of aK Pf.lr, Wear , , Fer~ent;ii\\i1a C)f Aq:.o\Intl Y"lLle TOItJ1Gl Age RAile. . AgE!! .. , Rai:a, A~E1 Rl.\t:e Aga FI.",i;a ,~ge BI.\t.e '.. ,~M'JK u 25(,1K 117:1 2::1 3S 53 I (0 'I Y, 68 83 I \'leY. :24 :;;~511lY, , 39 "'5\1lX 13tl 157K (09 11.6K 84 1\1l13K ~1O. , 25 2 5(!1 K 4\11 ;'25 III V, 55 15\11K 70 115K 8ll \11l5K ""q "'Ell1lY. t~ 1 ~'243K 56 1 ttby' "II j- :3' 86 \(i15K .. ...... . l.1. V. 27 25(i1Y, ,~;:t.: '~'36X ' 57 \lI2K 7~ III Y. ,87 H'lIJK 4\ " 2a ~5\1lY, It3, :229~;" 58 l38Y. 73 lwn: 88 1\1I!.i'Y. ~c:9 250K I~'I 222Y, 5~7 .. \3'IK '11~ l(i17K 89' l1Il5K' 3l1l " 2511lK '15 ' ;'215K M'l .. \311lK 75 1li'J\iY. 9l1l I17.l5Y. 31 25 lily' 116 2\119K 61 t2Ely. 76 !111l5K 91 . ll1llfK :$~r ;25(i1y' 117 :;;: \<13 K 6'.' ~:6X 77 105\: :,9~{ l(ll3~; .. 33 .. '2511lX A8 19"{K 63 12'~K 78 l\<15Y,. 93 lIIl2K 311 2517.lK 119 191 Y. 611 12:2Y. '79 1\1I5\; 91t 1(1l1y' 35 ;250K 503 185K 65 12\'lY. >3l1l l05K 36 '.'5Q)y' 13t 17 El Y, {,to 119Y. al 1\1113Y, .~.; . " .. 37 "250Y. 52 ..17IK 1,"( 11l3Y. 1'1'" UZl13K . .. THe GI\ii\ t'C111 t:ai'l rJ In i:area t: I~", t:a i9 '1,012ly' PI~I' AI1I1LilTt. , The GillaNln l:eecJ t1ol1t:hl~J Ihi:el'eat: Ilc;,t:e Is , ::\27:17'1%, ,. , " " ,. ,I Po 1 I t\j NUlliber I 817137 ,Forlli EFL-I13I1l\'l 2/87 " Effective bate of Schedule' '2/25/1?9i Palle II /i 'j' " " ", fJt,QT! ON 2 .. ,TM\\.I.;:qOI'~ili^'~ANTI::f::13 (OIJI1I; I 11\1('1(1) ~\.I/.\\,.\I1I;P\\'fl MI111;"~lnl Vli\\fll'!\) /.11'11 lltlllllild I.IPP\1 p\i.lnnli1rl [1\i.l\1r~fll:l; I1nrl f1\'~lTtl~!I1,Vl tlllt; rr.ll't:h f.lI1' l'<\cJIl 3, 'rl'tll\H~ Yi.llUli1u 111i.\U Ill~ 1'\arhlr~f~I:I I'lj IIJill1a r.ll' 'wi t:IHlt'i.I'~<ll'il" " ,1;11 r.t r.lr Ppllr.u YUill' I 2 " ;3" If \5" 6, 7 13 9 1(1) I! " 12 13 ' III 113 16 17 113 19 :20 ^~lil ~(t ~t:ti ' :2~) ~~7 :;~f:1 ~9 30 ::\1 32 33 ;llt 3t\ 36 3"( 38 3'7 It0 III 't~ 113 II it ill3 it6 it '1 It8 it9 130 lH 92 133 rJI <\11 IHI f) PI'lilllllfll1'l; fl{10, (O(!l flltlil, \'lid 13 it\'! ,(<l\!) 5Itlil,Id(<l 540,,\<10, l311\'l,IilIil, ,liI10, (O(!l ,5It0, l~1il 13it0, (o1il 13'40,0\<1 13It0. \<10 fllt0, 1/l0 !3110, \'1111 1l't0,01/l !3lt\<1, (00 5i10, Iillil !:I'tlil, \'!0 5M(1,1il~ !H\<1,,0\(l ,5110,01il 5i10, 1j'l0 5 it(/) . (/)(/) 13it0"<10 5 Itl/l , (/)0 !lit 0 . 0(/) 5i~lil, \<1(/) !5lf0, 00 " 540,Iilfll 540,00 !}lt0, Iill~ 1'1111 I 11I\1111 1)11/.\I:h L\~l1lilf'l I; 'l2,1i10\!l, v10 n,(/)(ol0,00 7;iJt000,1il1il 72,000,(00 72 d!)\'!0 ,(10 72.00Iild'l(/) 72, 0t!l\Zl, 00' 72,011l1'l,01'1 72,0\Zl\Zl,\'l\'l '/'2, \Zlfll\'l, (<llil 72 ,1'1\'10, 00 72,(/)(/)\Zl,l'l1il 72,l1l\Zl(1J,0l'l n,,00f<l/0(1l 72,(Il\Zl(ol, \10 72,0\Zl\Zl,11l(/) 72,00\?l.00 72,(/)00,00 7'"'000 "'''' IlOt . ''Hlf.J n,000.0(!l 7Z,00(1),0(1l 7;'Z,00(1),0\'l 72,0(1)(1), (/)0 72,fIl01'l.1il1il "l2,\'II1)\Zl.01il 72,1il0(/),00 "12,00(11.011) "12,,000,00 n,01111il,00 7~-:: t 1il11)0. (10 Nlnlillflln A q::p\.l 11 I; " y", 1~1~ ~:~j5, 26 't81'l, 't1 736,9'2 1,fi11'0,9.-:: I, ;7!88 , ~17 1,5"113,1.-:: 1,,870,92 .~, 16"1.5\'1 ;;:, (147.?7 ~, 772,-~ti :\,0"1.-::.31:1 3,367,95 3,650,56 3,928,11 '1,183. '29 ,. It, i,06, 99 (I, 6(1)6, :211 1~176:\, 6\ lit 8"14. "16' 'It 93fl,. 58 , 't, 946, 53 '1,8913,1:17 It,' "l811l. 71. ill 59"1,"16 1.,329.92 :3, '781 . 02 3,fl29.A3 2,96'~,86 ~,269.62 1,42\11. :.n ~lln l'm!-IIH 8\.!l'n!f1~I'lI'. YC\I\If.l IIJ,0\!l 2/,,131 , '-lO,r;; 3''':' ...:.~~" .. 6137, :3~~ 853,0"1 1,197, .<:It 1,521';>,,11)11 1,913,3't 2,32:2, ;H3 ~2,77:2t25 3,\'172.35 3,367.95 3,61511),136 3,9;;:~, 11 ii, 183, ji)9 4, 406, 99 It, 6VJ6, 2'1 '/11".'013,61 it,876,"/4 II, 'i'35 ,tIB it, 9116, l\::l 'II 8'i'8. 57 11,71311I.71 'II 59"1.'16 A, ~29. 92 3,981,02 3, 529. 'I~' 2,969,86 ~. ~q9. 62 1 I '+20, :'!:l Mll1ll1lqnl l'i.l1 r.t"\.lp T~~l'nl 1>1'l\' i pq " Yl'lI\l'11 NOn1ihl'l 3 't 5 1:1 6 7. 7 7 "I 7 7 7 7 "I 6 6 6 5 5 4 '. 3 ,3 ~~ ", '" 1 o I1l 1 ,. ", ~ 't 1 10 I';> 2 9 It 1\ 5 11 .'1 9 6 10 " I' Pl~l1l1md p~elnlUIllI1 era hp( aUfflcianl; to prbyida for ~~neflta beyond pol lay ye<\\" :32, n,otlH,.'1I u'11ElIHllll1;erea+: I:redll;etJ, toat: of illf.lU\"<lIlr.e l'ilt:ef.l clrmont:hly forflea O\asfJ13sed "'\'[,1 '"orE'! f'.\Yot'<llbl'e t:h.1I1 I:hose \1~lo\\r<ll1t;rlp.ti ltl f:hs 'pbllcy or ~1I1laas <lddll:1ol1.,\ PNJIIl,I~IIIlS .WI!! I'",id, ~1 ~,2 :2;3, ' 24 2!.i '26 '27" ,~a ~c~ 30 ~Dlicy NUlllber. 81"1137 1'01'111 r::1'1.-!tJ01.1 2/137' ,\11 7 6 ,5 II ", '" 11 6 I1l ,4 6 13 13 "I 6 2 " I::Hl'1t:t; lye Dal:a IJf Sl:h~~d~lle)l 2125/1\j>/jl1 " I'a/;la itA ;, " I " ~~CT10N 2 - TA~~En OF ~UARANTEEa (Opl1l: \ I1\Wll) ,(:iq"'\"~111:(lII'1(j 11"')(\IfII\11i 11\1111:h~u Onel: of. Inlll.\l'<\I1I~(lI 1l\11:r~\' f'o\, 1:1'1(2 lmlll)'l!Irl pRr\~ \ I liWWl, Agl\1 , ~,::5 ~(t ~t:l =~f.1 27 ~a i~9 ;:l~ ,. 31 3~'i ;:q , ;3'1 '. ;:Ill 3f1 ;37 rl", I:r~ \'1,19 \ZI.18 \1l, I t1 \ZI.17 \ZI,'17 1ll,17 . Ill, 17 Q:l, \ 13 \ZI,I\3 lllil9 Ill, ;,\2l Ill, ;11 0,2;5, 0, ~(t ., 1ll,';;;6' AgUl ;313 ~~9 II '1\iI 'II It2 't3 'III 'IU, 116 47 Ila '19, ll1'3 fll 52 , 11.,1:0 I~g\'l \2l,29 \1,31 VI, ;.m \2l,38 l~, 't;~ 1'3,(t6 111,51'3 (Il,lill 1'3,59 \1l,6~ I'3,"\iI 1'31'16 \1l,l33 0,91 li\i1\1l 53 tHI !ill ~6 Il? 13fJ 59 M~ 61 62 63 6', 65 66 ,1,7, 11.,l:p 1,11ll I, ;: I t,3';2 I, liB 1,1\8 1,71 1,136 '2,02 ::. 't~ t 2, III ,2,65 2',90 3, 1". 3,115 3,71t t\ljJ\~ 68 6<1 'If/J 71 '72 '13 74 75 "6 7? 78 79 Sill 81 Il2 11.,1:\1." f~\J\3 It, f/JB it,38 It, 7fl 11,16 5,63 6,15 6,n "/,33 "/,9!l B,B? f~, ';H 9,87. I Ill, 5'1 11,37 1~,25 atl WI 85 a6 87 8El 1~9 9\ll 91 92 ,. 113 911 1l1.,I:m I ,4', ~,\1l 11" I ~l Ifl,18 16,16 1"'\7 l(3,22 19, .'7 ~~:~, ;3J 21'lf3 ...J'...., 7'''':~ .-10":", ... 21t, j., :'::6,6;3 " "", " ," " I. I' The \l1\arClI1I:aeQ Illl\ldn,l\1II mortlal ~ i:\J bt.\ele for coel: of' il111l\r/.lnc:e Ie i;he ,", . 198\1l CSD TClble A~B IMMleSmokarl, " " Pol Icy N'UtTiber I El17137 " Fo~~ KFL-15~0 2/87 " , "-' ,;,1' d_"Yi,l ;'/':;: , T ,','t!,'~ i;;:,,',Ji~;,r ".. I,'~' ;; ,;")i"l\\~~~ , ::,,'i;'l;':t'lt~ ,I ""i"ll ; . ,'.' ;'ii!~{\, ,.!ncre.~mee Ihau havEl hit;JheY' 1lii:\).:i1nwll 1'C1i;ell .1(' f;lw 11\l5lll:ed 113'111 i:\ hl';1hlili":i,'l:'if\ lll1d13Y'\JJY'1 1;1 lHl f: I 011313.' . " I.'.'::+};~;' . , ' "", ',;' ,~i,' I~Hec:l:iYeD0I1:e of. Schadl.liral ;<:i~t3/t~~:' . ~a~ij!t . . _;y"",'yi, .,:;,,~,~t;l~ -' , ;/\,",;',11'1 '1 I " sl~qTl fiN ~, ,.. l'AN.~,rj 1;lr \:il,lMANTf.{i:'8 ( (:ql1l:\l1\W~t) " Fi:lr t;Iw fit; hili!' , 1l1qwr~rt - P~NI8~ ~, , 1,1~llIfIAN, Hip GiI.\OII'OInti(iJf.l\j ~lm)<:\ITtI.\llI l'lpl1l;hlu (.:(:]I't; qf j1llll(I'<l\IH:f/ H"I:f.l1il PI~I' I\; \, 11l(~\II, Ii A\li'l Rill;(il Allfil [{~, t:fil 1\<;J(il rl.,I;m Agp IIC1t:p A\lf.l ' H.,I:A " f~:S !1i', \ \!I ::\8 ~ ':l'''':1 U;3 \11,"(\11 68 ,', \\11 83 fI, \2 1''-';'' ~1 ~7~4'" \11,1\ 39 \!I,:;::II tilt \'), '76 69 ~'2, ~!.1 81t \ lil, t~ t,5 lil', 1\ It\'l \II, ~~6 5t1 '(2),8.\ 7\'l ~" Itlt 85 1\, \ 13 ~~6 \'l, II " II \ \'),:;::\1 tl6 1'),86 "(\ 2,67 86 1 ~~~ ,27 ' "'7 \11,1 ;2 't2 ~, :3:;~ 5? \II, '7 \ 7'." ",96 87 13,'113 .~ "" ~~ ~, -t:2 It3 '\'l,3It pI') '\'l,9l, 73 ' 3,.t3Vl 88 I It, 67 ~9 \'l, 13 It4 \1), 37 !.I 9 I \11'" 71t .. 3, 6r~ 89 .. ItI,'NI I' , , ~ ;Jill Vl, 13 II~j ~1, It \II ,1>0 I, ~18 75' ft,12 9\11 )7,3It 31 l!l, tit 116 \'l,lt:3 6\ '\, II> '16 It,57 91 18,ElI> ~~ \I)'; \II It7 \1l,oItl> 6'" \,26 T/ '\3 .\'lll ,92 '2\1l,05 .. 3;J lIl, III Its \II,lt'7 1,3 I, ~\8 713 5,5p 93 22,54, 31t 0, 16 119 \11,53 611 1,52 79 6, \0 91t 215, 2,'~ 3fl lIl, I? 1\\1) \'l,56 " '6!.\ \,66', 8\11 6,'1\ 36 \I), 18 III lIl,6\ 66 \, I'll Ell ,7,11\ 37 ' o "'\II ~''''' \II,6!l 6" \,9B 82 8,;2(il ,.. , .!. 'fhl3 '\l~\t!\n\1l1;amtl <<''''~':\llIl\r1l rnt1r 1; 01 1 I t.u pt!\Eil" fqr (::OEi1; of Inall\'t!\nca Is i;ha '19Slll,CsO'TOIblm A~B CramC1ls Smok.r), I'" Ii ';j' " Ii 'I " !; {! !' " ", ' " \11 'J:, " \ '1'1 rncra~sas mMuhava, higher mOlxl~urn rat.au If the,In.urad Is in . h\~h~~ underwriting alOIsa, " " Palicy NWnbar' 817137 . I~t)r,lfl, I::FI_-151il1iJ 2/87 " Effac~f~m Pata of bah~t1uleI2/2a/J.91 Ii. Pl\g~ :oIt(; " 6t:(OTION a ""., PO~IOY SUMMARY (OQ~tlmu~~) " , Wo ofl~r lhla AummA, ry. .10 110Ip you IlIlnoml~i1rj 1I1la poll, (lY, Tl1 tl aummAIY dopa n(ll pr(lvlrlo QolAllo of (l(lVOfAgD' Wa PoncH Inlal1rJ II Iq ohango Any of 1110 provlolona 0 lllia pollqy, YO.Il ahOllld' roocj 1.110 aol\JA.1 proVlalpno lor Iho cjll' lAlla of Iho povorAOa IIncj Any 11m Ipllona Wl1lal' mAY Apply, Thlo IA a oont.rM.1 of IIfo InAurllnoll, We will PAY IIPonofll .If 1110 lnourllcj cj ae Whl.1l Ihla polloY la In for.ao, 'rlllo " money Pfllln Ie npl IlIllllnln one eum,.For /III or Pari of the Illlnef I, anattllufprin (,11 PAyman\ mAY Illl /lVaIlAPlo, If Ihll InolHllcJ nl!lo I\nn Iho .allPlall p Paymllnt hAO nol 11aen marto, 1I1o pllraan WilD a ell\lIllln 10 rfl9olvo Ihe rnoney G1tlY All leal thll form 01 paymonl, 'rille policy la /Iopl In fproe py 1110 rayn10nl of premlumo, pr.emlum Il(lymonlo lire lIexlplo, PU.II10Y nOl1nlllly IIro pain aOQarcjlna 1(,1 a plllnnlln Amounl anel fraquenay, Paymllnla Arll lluplllol to aertAln minimum anI! m(lxlmuhlamounlo, . Thll pllymanl of premlu{11o .rllQullo In 1110 Qrowlh allln ;1' II" ',I aa, oPlln\vAluu, Inloreal la orllnllo\1 Ip 1110 oQoQunl VAluo, T 10 opal 01 InAUrAnpo QPV\HAOj on{1 \Ixpeneea mil plHlfllll.{I 10 lI1ll Aopounl vulue, AI of Ihla la cjpno pn a monlhly hA~la, . 'rho APPpllf11 vAlua (laAa I1ny APplloahlo PI1IHOoAIIA aVAI" al11p 10 ypu dmlng Ihe IIfollme of Ihll InolHerl, ., Tharo >Ira allllH rlohlo >lY.>llIohle 10 ypu durlna \110 lito, lima of 1110 Inollrll\j, Unlaoe ilia >lmandll(j, 10 allY plhllr, Wlao,' Ihe pollQY OIVUA you theaa r1ahl~, >lmpl1a olhllral t You I1lIlY ah>lno~ Iho haneflollll)', t, You moy aurroncjllr thla pollay tor lIa allrronrl~r VAluo, · You m/lY 110rrow 01111 up tii 110 10lln VlIllle, ' · You mqy roquoat ahllnoaQ to Iha (jo>llh ponolll, ' Thl~ polloy, aalao\larl" ,mllY or may not, have oxtrll honallte, If 11 (joeo, we lI(tcj Ihem Py rlqor, " SEOTION 4 -. PEA TH aENEFITS AMOUNT O~.PllATH I11lNIlPIT, The (jeath penellt Ie P>lood on Ihe f/lOIl amounll1ncl 1I1tl {te1l1l1 honefl1 op, 'lion ehown In Boollpn ,1, , .. Thero BrO IWo!cto>lth baneflt aptiol1s, ' . op\lon A (~evel)l The clellth benelltwlll Pll eqUlI1 to Ihe f>laa Bmounlleos Ihe sum 0/ >III Bmollnts prevl, , ,ft~;'ra~~I~~~~l1nt;, Tho floo~l!ntvalus la In~lucleclll1. 'Option tI (Inareaelng)1 The clOoth benefl1 'Will be " . eqlll\lla Ihe faoll amount plus tho aaoaunl vIIIllO on Ihe Ullle 01 cjeath, ' ror bolh Ol>tlon A ancj Opllon A the clollth benefit will navetpo leBO Ihfln the aacaunl Vnluo on Iho (jate of cjoath multiplied Py tho poroe,nlllge ahown In Ihe Peroentage of Aoap\il1l Vollle ,Table In Beo, \Ion 2: PItA'fH II1lNItFIT PRooellPS PIlFINllP, Thu.,qilnth panefll ptoooedo a[l~ payaplo UP,ol1 reaolpt of clue ptoaf thallhe Ineured hall dle.d .prlor 10 the mututl, Iy clulo, We mny, requlta rolurn of the polloy, Tile " proQllada ahall aonalal of! (Il) tho dealh penefl1as clea9rlhod apovel 100/\ . , , (b) any Indebtednessl lella .. , (0) any IImbllnla noeqe(j In'nooor(janoewllhlho arlloe , Parlocj pravllllon, . " Interool wlllnaaruo on denth banofll proaeecjs from the. (jllle of Iho Ineurecj's denth la, the dale 01 pllymllnt, The rate of, e4ph 11110reol Will pe detetmlned by us, tlllt II will nover bo leao than the rate. requlrecl by law, ,. SUIOIPIl,If the Inaurad, whllo Sllne or Insane, dlea PY aUI, aide within two yeersof Ihe polloy daHl, tho onlY'emount ,. payaple totho Paneflolol)' will pe tho eum 01 the proml' uma paid, , " . . II the Inelltscj, while aAne or Inaol1o, dies Py sulalde wllll' In two yaata tram .Ihe effeallve cjato of >I requosled In' Qrense In IIICe tlInount, tha amount wo Will PIlY Wllh respool to \he Inarease will be \110 ooat of 1111111tlll1oalot. d' the Inarenao, , .! "1-" '" '" , a . '. " ~gQl'lON a...... flOhlOY SUMMARY (QQlltlml13!:l), WIl of,lllr,Ihl~ ~\lffim, IlfY, \0 110lp yo~ \1n~llr~,llInq 1111~ Rolh , !lOI oo~nt VAI~Il, Inlflnil~ll~ orQqlllllllo 1M AooP~nl V,IlI~Il' py, Th II a\lmmll!y' qpeu 1101 provlqe qOlplla of Ooverllpe, T le OOBI of InaurAnoQ, ocvorAaonnq IlXpenBPll ma Wo do npI Inlllnq II \0 qhnnop flny of Ihll pr\1vlBlpna of 1I11~ oll,Malld 1(1, 11'11 flpoounl vAl up, All of Ihlll III donp pn II pOllcYI Ypu allOuirl mArl 1110 AQI\1l1i provlQlonn tpr \1111 rlp, monlllly PQII II. , " IQIIII pll1ll pQVPrflPP nl1d AnY IImllllllonll Whlol1 may APply, Tl10 11000, Unl.l/lllup (IOBa nnYAIlPllollPlp ohArm1'a) III !lvII,II. Thla IB, II ppn,\rAol O,f ilIa Inal1ranpp, We,Wl1I pqy, Q l1eneflt Allie 10 yoH qurln(l Ihe IIlellmQ of Il1q Inlluted" , It Il1e Inaureq (t PA While II1IA pplloy III In faroe, Tl1la T morwy oflel1,IA~ollrcllPn In one lIum,Fpr All or P~rI pf 'l1prp Are PIller rlohlB AVAIIAl1le 10 Yo~ rl~rlno Itlpllfp, I le Ilenal I nno h I' I'm of n ymlln\ ny I, vnl "1 lime of Il1e Ina\lreq, Unlm 11111 Ilmen(je(j Ip AllY pliler,. If Ihll In~ur~~ (jle: An~ Ihe riil~lpe 0 W;ym:nl hA:'ngiWloe, 'he polloy olvea YOII 1I1110e 1'10111111 Ampn(l OlllOrAI paon mAde, Iho IH1roOn Wl1p III enllll~rl 10 rpoolvp Ihe ,you mllY ph/mae 1110 1l0npflolAlY, . mqnpy may oolopI 1110 form of payment, . ,VoU mllY aurrenqer Ihlo polloy for 1111 QIHmnc1er vllllle, ' Thill p911qy IAllopt In f,oroe IlY Il1e /ll1yment l)f premlllmB, 'yolI mllyllorrpw on II lip 10 1111 10lln vIII lie, Premlllm Pllympnlll lire lIexll1ll'l,l1ll Itll1Y normally Aro paid Y I I III ~ I" fll ' IIQoorqlnp 10'I\.plf1nne~ f1111Pllnt IInc1 IreqllorrlY, PAymonla ' 61l mllY reqljeat 011\npnll 0 0 ~01l11 ,",ene, ,'. f1re aUll1eQI.lo orrllll.n minim. Ilm,anc1 mllxll11\lm lImOllnlQ, Thill po."or\ 110 I.aaller', InIlY' or mAY npt hllve.oXlrA , Tho paYI11Qnt 0 prnmlllmll reauUa In Ihe orO,Wtll ollln ,Ilen!llllll, I I doell, we Qc1cllhom Ily rl(jer, " .. ., " , AMOUNT PF DPATH n~NIlf'IT, The doath peneflt III Ill\aed on tho IMO IImounlllnli Ihe dOlllh poneflt Opt Jlon nhown I,ll Beotlon 1, TileI'll Mil two qeath bonefU opllone, option A (Lovel)1 Thedellth bon\lflt will 110 oqllllltp the tage IlmountloBolhe aWll 01 Illll\mountn prevl. ously wllhdrawn, The aooount VAllla.la Inoluded In tho !lIoe ,lImollnt, ' Option a (Inorel\alng)1 The fleath Ilonellt' will Ilo eqllAllo Ihell\oe amollnl plUolhe aooou'nt valUe on tho qate pf dellth, ". ' , For 110lh Option ^ IIl]d opllon a Ihec1eath l1enollt Will novel' l1e leaa than the aooount value on Ihe c1atll of doatl1.mullIPIlOd l1y the porconlllge ahown In tho Peroenlaoe of Aooollnl Value rllble In Boo- lion 2, " ., . . , , ,. OIlATH allNI:iFlT pnoell~OIl Ofif'INIlO, Tho dpath , l1enofl\. prooB~da are payable upon rpoelpt of dlle Ilroof thaI Iho Inoured hao dled,prlor 10 Ihe maturl, Iy c1nte, We may require return of the pollQY, Tho .. saorlON 4 - PI:;ATH aeNI;FlrS 11 prooeedll ol1all oonalot oh (a) the dOlltl1lleneflt I\B' dellorlllod IIbovol leoo, (Il) any Indolltedneosl 101111 ' i' (0) anYllmounto needod In 1I000rdanoo wllh Ihe QrnoQ ,:",;,: period proVleloh" ' , Intoreot will !100rue on c10nlh benefll'prooeec1o from the dAle of Ihe Inoured'p dOAlh to tho c11110 of pllyment, The rato of ouol1Inlerool wlllllo delormlned by ue, PilI II will novoI' pe 1000 than the rl\t~ roqulred by 1.l\w. aUlelOll,1f Ihe Inollrod, Whllo o'llno or InBnne, dleo IW Bul.' aide within Iwo yenro of thn polloy date, the only amolllll, ,paYllblo to the penellolary WllIlle tl10 lIum of Ihe prem" Uma paid" " . . If the Inoured, whllo oano at Inoano,dloe Ily oulolc1e wlll\' ,.111 tWo yooro from the elleo\lve dato ota regUeBted In' oreOBO In taQe IImount, the amounl Wn will pay wllh rospeol to the IlIaroaee wllllle Ihe oootof InourAnoetbr "tho 111010000, " ,.' , " .' . '. , . aa01'ION a ..-. PRJ;MIIJM::l " PAYM~NT qF PRIlMIUMIl, PmmlurTI Pllymanla lira flax lilia, Thla mila. l1a YPI.I QlIn Q.11PPOO UWlImpul1l,wl frllqUllllaY AP. f flllYman\1l al.lhjoallp tlla prpVlalpna claaorlpe(llleIPW. II premluma M!l PAYAlllllAI pur Hpma' Offlaa pr Ip IIn QUUHHI?\lIIIlOanl pf Ihe opmpllny, II reaelpl alonecl 11Y \1a wltl pI! fl.lrnl!lha(j on rllqlHlal, ' 'NITIA~ flR~IMIUM, Tha InlllAI premium la clue on UWP!lIl, ay (jElt!l, It II reqIJlm(j tp plllpa Ihl~ P9110y In foroll, P~ANN~PPRP,M'UM PAYMI;NTS, PIl1nl1aCl pramlum P"y. manta mAY PIl mEl(J!l parlpclloElIII' clurlnlllha Illau.rllcl'a lIfa ancl p!lfpra Ih!l encl of Ih!! pramlum pllymllnt perloQ, PIQnnecl premium" maype fllllQ IlnnIJllliy, aemlllnnulllly, qUArlerlY, or montl11y, , ..' . APPITIPNA~ PRIlMIUMS, McHtlonlll, unPlanned'~remlum paymenla mElY pe mAQe lit any lime QIJrlno the InllIJre(j's life Elncl bafore Ihe !In(j pf Ihe pAyment parlod, The , ,lImQunlp of IlIJph pllymenla muat pe Ilooaplaple 10 Us, AMOUNT ANP FR~QIJIlNqYb' Thllllmount anQ frequenoy ot premium payments may II ohlin oed ~I any lime, aUb, lepI Ip oUr rIJleslhen In ell!lol, We will limit Ihe amounl Qlany InOrljllae In tlleplanneet premium !In(j'lhe nurn, , ber and lhe Elmounl of aetulUonll1 premiums ao Ihat Ihe polloy W II !lonl/nue 10 qualifY as 1\ IIfa InaUfllnoe unclar the Inlernal Revenue Ooete of 1964, aSllmenetaet. We Will nol Ilaoept lIny premium Ihal exoeeQs thlll limit. We have " the, right to rafunet IIny or all of aIJoh preml\lln, MINIMUM PAYMIlNT, The minimum p!lyment you may make al any I/me la ahown In 8aollon 1, MINIMUM MONrHI.Y PRIlMluM, The minimum monthly premlum,ehawn In Beol/on 1, la the amauntneaQed IQ Ileep Ihla pol lay In faroa eturlnlllhe flrat five polloy yeara, W!l guarantea Ihla pallor wllletay In foroe during Ihe flrat fiVe pollpy yeara, evon I the BurteMer value IB not ouffl. olent 10 pover 1M next monthly etod\lotlon anet monthly ooal olll1ourenoe, provletoetl. " " EFL'1/lbo., l!I07 (II) \Ill} altn1 of 1110 promlumq plllrj to (lillo, 11l~1l Any Wlll1dra\Vllla IInet 10lla Ilny Ind\lptodneaol .... eq\lAla 6'rexqllerla .. (h~ \lw mlnlmlJm lT1\lnlhly premium tlmea 01ll l1uml10r of mllnHia from tllapolloy rjalllthro\lOh tllo Qltrrllnt month, 'IRAQI; PIlRIOP, Tho pollllY wlllll\IIY In fPrPa forlllxly,onll claYa After \llll mpntl1ly etato on w 11qh Ih!lA\1rrllnetllr VAlue la nol aIJlflolentto oover ppth 010 monll1lY' cleduotlQI1 and tl11ll11onll11Y oOal Ilf InQurane~, Tl1la la ttw gtllOIl periecl, If 1110 InllUred cllea,durlng t.ho Oraelil perlo..cl'lIny Inonthly c1!lcl\lotlonq IlnQ monthly oOa\ 9f Il1aUrllnoa amounla Will, pe aUblfllPled from' tho etoElth penelll, . If. the polloy enlerflll gfl\Qe pefloclllnetlf o\llflQlonl praml' Ul11lo nol PIIIQ py the enet of tI]lIt graoe porlod, tI.'o pOll.' " oywlll termlnaler We Will mal notice to YOYf a(JQfaaa, l1a al10wn In our reoorqa,lInd to MY lIalllgnee olreQOfQ, IIUaaal. thlrty.on!l dllya bafore OljOhtllfll1lnlll/on, RJ:INSTATIlMIlNT, Thepolioy m'ay pe relnatataQ within five yelllaaffer lermlnatlon If It l1aet not peeh aurren(jllrad rOf ollah, To relnalate thla polley We rllq 111 rei . . (a) evletenQe 0/ Inauraplllty f.\QPepIIlPlrho ual (II) payment of any monthly et!lduotlona. aM ,monlhlY Ooal of InaUfanoe' amount a forlhe 'graoe p!lrlQetll\l1et ,. " (0) pllymont of enough premlUI1110 keep the Polley , In foroe for IWR montlla beyond Ihe dllte of relnlltatement, . A reltlatalemel1t \Vlllleke effeot on the mo. nlhly IInnlVef. Ollty on, or next followlt1g, lhe dato Ihe IIPPlleatlon for relnatatel11ant la approved at our Home offloll, Any ao. . bount valuo exlotlng !lllhe beglhnlng of the graoe pari, oel will be roatoreet, ., II " I; a~O'fION @ .... PO~IOY VA~U~$ APQPIINT VA~IJIl, Thll !!PPo~nt V.III~.e On Ihe pollpy QIII.Q The IImollnl!!1 flllk 11Ii" . III aq~lIllp Ihl1lnllllll rlrllml~m Illss Ihe mpnthlY ('erJ~Q' . . . Ipn AnQ Ih,~ mon hly oosl of' Ina~flln~f3, .' (II) the ~:~h hEl~ef~ Pan tllfl monthly QUa Qllt\l QIVIQag The pppounl vIII~1I nn IIny lluhlleqUllntmOf1lhlY \j~e f~~r~at ~~el fl n p UP the oUlIrlmtElell monthly,. QlItlllal' " . . (1l)lIla IIpPollnl vlllllflon thll prepeQlno mpnthly leSll .. Qlla Qlllol' .. (/l) tllfI APPollnt vAllie on the monthlY Qlle QAle /lafora PIUA Qfid~ptlon of thf3 mpnthly opatof Infillrl\f1Pfi, . (/l) ona month's Interofit on Ihe 1I0(jount VAlue In . Thll m~nthlY ollAt, of Inllurllnall rIItllla /lllae~ on Ih!! . (a) II/lPVel .' ',' " , '. .,~:~~IlQa~~:~I:I~Il~~i~r~~~Il~nf~m: irinr:,' f~~~~~~~~j pl~a . . . 1l11Q IlAah all/laaqufint InOfl1Aaa In tha fAPa Ilm(lllnli aUf (Il) prfiml4ma rElolllvoQ. alnoe the praaeQlnO . ,l3ollrQ of Plrfialarll Olin ohllno\! tha rllhlfi Itom time 10 ,. . monthlY ~lIfi Qllte InalllQlno Inhlraat from the lima, /lut tllI1Y wlllnevfir /le mora thAn the m!lJ(lmllm tAtaa dlltfi reoalVaQI ' . . . ahown In tha TA/lle of ~uAr/mtae(j Mllxlmum MonthlY OOAt of InallrAnpa Rl\tefiln Bfiollon g, Any \lhAngllln thfi lfillll rlltaa will hll datllrmlneQ on A un form /lllllla for InaureQIl (Q) Any WlthrJrAwAlal wltMrAwAI phfllglla, And I 0 f thll1"Ama Inal/rlng ADa, aax IInQ ratll plaaa,'No ohllnga pArtiAl aummQllr ohAwea IIlnoatll11 prl!aeQlno n rA aa for aXlllllno oOvofllOall will poollr /laoAllae of, ' monlhly dUa QAtlllnoluQlng Inlerllat from the deterlorAl/on of thl! InsllreQ'1I rlek qlASslflolltlon, Any' dAte WlthQrAWnl" . ,', ohsnoe In mtlls will /le /lElSElQ \.Ipon future SXpllatAl/ona I 'fori Sllah f!lOtora AS mprtAllty, InterllSl,l1~ponse And QSO peralstenoy,. .. (e) thll monthly QeQuollon for the month follOWing SUAAllNOlln VAWIl, You osn rl1tllin this polloy At sny .. ,thll monthly QUO Qatel , time (juring the Insured's life snQ reqUest th!! sllrremte.r losa VSlue, Vou muat'mllke. thla rllqUes, In Wtllln\j, We Olin ' (jefer payment or Any SUrrenQer value up IQ alX montha (f1 Ihfl oost of Insuranoe for the,month follOWing from thll date of YOllr request for paymenhDurlng any the monlhly QUS Qllte,,, , defllrred Pflrlod of thlrty.QAYs or morel the 11m aunt On any QSY other thsnA monlhly QUe dllte,lhe aaaount pAya/lle wlllllarn Intllrest st the ourrllnl Interest rllte /lut volull will he oaloull\t'ed In a oonslslent manner,' novar Illss than the OUaronteeQ 1r1tllrost rllte, When We IN'rllbllST TI I u "t I I t I I I poy this amount, the polloy Will be termlnsteQ, ' "I 1e ro e se" 0 os au 0 e soooun va ues s .. , shown In'Seatlon ~aa thll gllsranteoQlnteresl rote, ~Ve The /lUrronQer volue OAn be pllld In a lump '~um OtAs may USIl Sfllnteraat rSlll,as QetermlneU by nur aoard of proV/deQ In Seotlon 0, . Olr!!otora, In eXaeso 0 the gUArantlleQ .rste, This Is the Tl18 sUrrender VAlue la equal tal ourrantlntereat rate, Haweven Intereat At a redlloed rste: , 'Will /le AP.Pllad to thS. t portion of thllllOoollnt vslue whloh . '(a) .thll aQoounlvolullon tho Qateof surrenQero ,. equalll tno amount. of Any,/ndebteQness, SUoh rllQuoeQ I II rate will naVllr be IlIss thAn tho polloy loan Interest rllta. . e s lass ~%, ' . (/l) any IndebteQnOSsl MONTH~Y OIlOUOTION, The monthly dOQUotlon ISI '. loss ,. " (0) the monthly obst of any rlder/s) attaohed to 1I1ls , (0)' the surrenQor oharge Qosorlbect below, pollaYI .... .'... ' . ., . ',SUnl111NbllA OHARalll' We mAY lTlake'a ohargoagalnst plus " your aooount value II you sUrrohQer this policy, Surrender ,.(b) tha mOhthly aQmlnls!rtltlve fee shown In Seotlon 2, charges Are shown In Bootlon 2, . MONTHLY OOST Of; INsUf1ANOIi, The monthlY obst 0' In, SurrenQor oharges oi the tlm'e of II wlthdrowlll, will ba sUrancie III eQUoltb thll montt1!y ooot ,of Inouranoo rote rOdUoed by tile sUm of all prior partial surrender ohargoo tIIl10s the amount at'rlsk, .. madO, The surrohdor oharge Will neVor blllasll than zoro, , ,I., \ " Ii ! r. 8 ~!:OTION 13 ,.... POhlOY V AhlJl;S Tho urnoun\ 01 rl~k I~: (nl tho c(ooll1llonolll 0" Iho monlhly Iluo IlolocllVlrJorf 11Y Ihu ~11l11 of: 0110 Pllln Iho Ollnrnnlomj monlhly .. Inlorool rnlpl 'loan. , (11) 1I11l00oo\inl vn!lHl onlho monthly rfllod!llo hoforo, . ctprhwllon ollho monlhly pOol o(lnallrnnoo, Tho monlhly ooal of Inouronoo rolo la 11!1ood on 1110 Inolllfilcj'S oox, 1IIIIIInoQ 000 11M ralo oloso, ElIlQhllooos' .. mny 110 sOPuln.lolY dfl\ormlnoQ fm IhO. 1I1II1n.' fllCIl umount and OUOhsl"'ooqllontlnor~uso In Iho IlIoo aml/Unl, ollr aourd of Plroqlors oun ohonoo IIw mlon from limo 10 IImo,l'lllllloy will nevor /lo moro 1I11.\n Iho mllxlmum rnlo~ Sl10wn In 1110 Tolllo of CluoronlooQ MlIxlmum Monlhly cOal ollnsllrmioo Rntosln sllollon ~I.AnY Qh~nge In Ihe I'nlos wlllllu 'lIolormlnoll on 1\ unlformboslo for InsursQs of Iho samo Insuring ogol /lox <<f1d 11\10 pluos,No ohongo .. In rolos fOl ~~Isllng QoVprOOos will opOllr Illloolls0 of ,. rjotorlolollnl! of 1I1e Insllrod's risk QloQslfloullon, Any tJhul1ueln roles will po /loood upon futllro oXPoQlollons for slloh,ff,qpra as .morloIllY, Inlorool,'oxPonss ond' Porslslenoy.. . SURRIlNPI:R YAWl:, Vou cun roturn Ihlo polloy 01 nny lime cjurlng the Insured'o life ancj requesllhe eurrender vlllllO, You mUol make 11110 requoot I." wr11l110, We. oon. defer paymon\ of ony sllrrendor VlllUe up 10 elx monlhs (() Iho ooet '01 ItlAl/ro1100 for 11\0 month following 'rol11 1110 date 0' your.roquent 'or POI'/11ent, Purlng any, the ll1onlhly(i'!ll dale, " 'cjelorroQ period of thirty doys' or morel Iho 1l1l10lltlt on ony d~botl1er Ihun n monthlY dUo cjole Iho oooount payahlo will eMn Interesl 01 tho ourront. Inlerest rota bUI .', ' 'I"" novor louo Ihun Ihe, ouaronteed Inl\lrent role, Whon we vlllue Will e oaloulaled In a oono olont 1l10nnor" pny thin amOl/l1t, Ihe polloy Wlllllu lermlnalecj; i' INTIlR~aT, Tho rale uood to oalpulnlo aooounl val lies Is . "" b I 'I" ' shown 111 Seat Ion ~ IlO tho guqrtinloud Il1torosl rnh~, Wo The surrend~r vo UO oan u paid n.o ~mp sLIm or os rnew Uoe on Intorest relol as cjolurmlnod hY"o(1r l30llrd pf provlllod In nollon 9, Olreoloro, In exooes of Ihe Ollornnteed rate, This 10 Iho Tho surrondor volllo 10 equol \01 ourrenllnlorest roto, Howovor,lnloroet alII rocluood rnle . ' " wllllle opplled to Ihot portion of tho aooounl vall/o whloh ,(0) Ihe aCUOl/l1t valuo on tho dote ,of Burrendlltj oquals the'ml1ount 01 ony Indebtertnosu, Suoh roduood los'e rale Wllll1uver be less thon Iho polloy loon IntoreBt rnle leBs 2%, " " ' , (hi ony IMelllodnoeBI .1" MONTHLY PIlPUOTION, Tho monlllly deeluollon I~: los8 (al Iho monthlY 0001 of ony rldor(o)allaohed to Ihlo (0) Iho OlHtol1dor ,ohoroe dqoorlbod bolow, ' pOlloy: SUl1fH,NPI:A OHAI1Clli, Wn ,nay mtiko 0 aharge'ouolnol" " plun y'HI!' 000011111 vulue If you Burrel1Qor Ihla policy, Surrontlor (b) th~lllOrllhlY ndmll,lo\totlvo fall ahOWl1ltl aootlon 2" 'lhoro08 MO Bhown In Sootlon ;, MONTHI.V aOST OF INsllflANall, The monthly coal 01 111' SUrrol1c1ar ohoroou al tho time I)' '1drowol will bo outei1Qo 10 oqlJal to tho /1lontllly oOBI of I"eulance rolq. redllood by Iho sum 0' nil prior Pl\rt,rendor clWoos II1110a ll1001l10l111t ot rlak, mndo, rha ,ourrolldot oharoe will nOVell/a loas than zoro, , . AQoqUNT YAkUll, Jho nOa(lUnl vnluo un 1110 1)OIIoy flolo In umJol lp 1I1P Inltlnl prornlqm loss Iho monhly cjadqp' .. 11011 onllll1P monlhlY oosl of 11111\1101100, . , . Th'~ aapPII'nt Valuo on anY8lillsoquol11 monlhly cIlia nalo 101. (n) 11\0 11000llnl vf.\luo on Iho Ptooocllnu mOnlhly ,QII~ dlltu! pillS (h) 6ne monlh'o Interool on 1110 !\PP9unl vnlqe In ' (a)apovo! ..' ,. . , ,. pille (01 nremlumB reoelverf slnoo Iho PreopQlno ,. monll11y QUo r1aln, Inolllcllno 1I110rosl from Iho dllla reoalvocj! los8 (cj) MY Wlll1dmwnle, WllhrJrawol ohorgeo, oncj pnrllal 8llrlunrjor oharaos slnoo Iho prooocjlng mQnlhly que Qolo, 1I10ludlno InterQsl from 1I1a dole Wllhdrl\WI1! leBa (0) tho mOl1thly cjocjuollon fpr 1l1O mohlh 'Qllowlng Ihe h1QnthlY duo datal ' 1008 ,: " l' i.."" '1\ ' " SI;OTION 6 ...... POhlOY VAhU~El (O~mUn~aQ) W'THPRAWA~"', You PAn remlelll,ln wrlllnO,lo wlll1QrAW ~l\rt of It'll lIurrllnner VAlufl ~.hHlna \l1tllns\.lrerl'lI IIf\1, Thill II PAlllln A '\vIIIIIJrAWIlI, Tile minimum Ilmollnll/lAI OAn e wllhQrllwn II lIny ana time III IIhown In Seotlan g, The Amalln~ of thll wlthIJrAWAI mUat PII leaa 111111111111 ourrenl ' .IIUr[1I11 lIr VAlulI, Wa oAnllm.1t the numPlIr o.'l'illl1rJraWAIII In A Pfl py yell.. r, We olin IJllffJ.r. p.IlYm. enl of IIny wlt.l1rJrllwnl ~P 10 IIlx manlhllfrom thll rJlltll of yom raqulIsl for PIIYmllnl, ' , . ApllrltAI 11Il[nlnIJllr ohllrOIl will PEl oomplllerJ aa 1\ proportion of Ihe SUrrllnQllr PI1 llrofl , TI1fI Proportion Is Ihe <<mollnt wltllQrllwn rJlyl(le(l PYJl1fJ totlll mtrreMar vllllle ImmerjlAlely prior 10 Ihe with raWAI, In the avant 0111 wllhrlrllwlIl, \l1E1 I\ooounl value will pe rll(lUoe(l PYI, . . . Ill) thll ~ma4nl WllhlJrAwnl ~~ , (p) thll wlthlJrllWlI1 plwge ehown ,In 8sollfln ;!I plus (ollhe pllrtlalllurrenlJer ohArge cfeeorlperj aliove, A wlthlJrllWlI1 wilt IJllflrellSlllhll (leath penefll all (lllflned In allollon 4'lf IJall1t1 PlInllfll OPtion A III Inllllllol, IlIlRR!1Nrl!1R AT MA TIlRITY, The S4rrllnIJflr v~lue III PIIYllt plff " the InsureIJ III IIv nil on 11111. r1lllturlty (jlllll, WllIIn Wll PllY Ihlll 11m 0\111 I , Itlll IJolloY... will pe termlnlllpcj, Thllre III no surrencjer pI1a'01l. or lIurrllnnllr III mll\!HIIY, QONTINUA TloN OF IN~URANQ!1llt yoU Iltap Pllvl!l11Prllmlt IImll, OOVlIrAoe Will Pflnllnull, II\.lPjllot to thfJ QRAPt; pgRh op PfPVllllpn, unlll 1I11l IIUrrenrJer Ylllull IlInp lanQllr s\HllolfJnt to oove. r the monthly rJllrjUqllan IInIJ tllP mpnlh' Iy oOllt of InpurAnPII, The minimum l'1noth p IImlllhe polloy wlllatllY In foroe Is shpwn In septlon g Umlpr M nil mum Palcl'Up Tpfln Perlo(l, . .. . !lASIB OF QAhQU~A TION, Vllluell ancj rellPrvell IIrp III IlIlIsl aqUlllto those rp,qulracl by ttlp l'llf.llutqe qf the lurlllIJI,q, . tton In W,/l,IOh IhllAppllof.ltlon walllllonelJ, They Are PAserj on Ihe 11laO Oommlsalonarll' StaMllrlJ OrcllnllrY, smqk, or or Nqnampl\Br Mala \lr Femllle Mort!\lItY TllblllS, Aoe LlIst t:llrlt\lJf\Y, wllh 1II,1proPrlllt,e Inorolle, e for, rlllod rlsKII; The gUAfllntopd effeottve IInnUllllnteresl rille a ahown In 8eptt0l1 g, A dettlllolJ IItlltemenl of the methoQ of oom, Iwttng Yllluell I\I1rJ reperles fs 1I1erJ With, tt,1fllnO,Urllnp, e department 01 theelllte In whloh Iho appllOllllon WIIS 1I10ned, Resarvell will neVer pe IOlls,tt111n the IIOPPUnl ' Vlllue leas IIny IIppllollPle a4rrender OharOl!,.. saCTION7 - po/.,iOY OHANC.UiS PO~'QY, OHANGIlB, You. oan requoat IIle followlno Ohllt1OeSI (II) an Inoreaee In Ihe IlIoe amountl (b) a deoreaae In the h\oe f.lmounll,or (0) II ohangll 01 thp dealh peneflt option, , The requeat muat bo In writing In II form ,eooeplable to Ua, The efleottVeclllte of any ohenge will be the monlhly annlyerllllry ol'll or h!lxllollowlng, the dAle We IIpprOVlI the req\.lell\" INOAHAsH iN THr: FAOE AMOUNT, You muet IIP\IIY lor all Inorease II1\he fAoa amount on a supplemelllp applloll' ttoni Wo ,will require IIVldenoe of Inllurablllty sattslaoto, ry to Ull, Haoh InorfJaae rT1ljet bo atleAat $5,000, Eiaph IhOreaee Will be sun/aollo additional surrender oharges, Thl!se will be ahoWfllfl a aupplemenllo Soo' tton,;!, '. We alao will eond.you a supplemel1t to 800ttonl, shoW' ing the Illilrease, . PIlOl1l'lABa IN 'THIlI"AOIl AMOUNT, The faoe amount re, malnlMln ef oot lifter a deoroaso oan nevor be less Ihan .the minimum faoo amoufltehown In Sootlon 1. Tho'faoe e"~\lIIOlJ,l 2107 9 amount will pe deoreased In'the following prden (a) agalnllt Ihe most reoent Inoroaall In thefaoo IImo\.lntl (p) aglllnatthe neXI mOllt reoenllnorellalllll ' . (0) IIglllnllt tile Inlttal faoe amo~nl, We will aenIJ you a sUpplem!lnllo'~00tton1, ahowlng Ih~ deoreaue,. . oHANlla OF THIl Ol:ATH DIlNI'lF!r OPTION, AI MY IImel You,may ohange from Opllon A 10 Option 1:1, Thla will deoreaae the tlloe amount to the amollnt of the dealh benefit, as defined undar OPtton ^ 01 Seotlon 4, Ipss the aooount value on tho,efleollve dato of the ohal1gs, How' eyor, the tlloe amount may nllver be l!llla than Ihs mini' mllm amount IIhown InSeotton 1, We may require eyldonoe'of Inaurabllity aattafalllory ,t,o UB, You may ohange from Opllonfl to Optton A, Thla will InoroAse the faoe amount 10 the amount 01 death bSl1eflt deflnlld ul1der Option B In Seotlon 4 on the offeollve dale, of the ohange, . We Will aet1g you II auppletnent to 6eotlon 1, showlnu the o/lIlnoe, 10 ..' " .,' , . a~OTloN 1.1 ,.." I..OANa hPAN VA~U~, Purlno IIw 1~~Umll'B IIlb.llmp'.YPll miw I1pr, (jp~ tplllplpAn prlnplplIl An~ l1aAro InlQraol IIllha ollrrw ' , mw !lOlllnftl y.pur. ppllpy whanavar yqllr pollpy hllB 1\ 01H! .fAla, ,', '..., I' rllntHn V!lllIP, 'fhla ppllpy Ip lha ftplB ftllflllrlly for Il1ls lOAn" Al;flA YMliNT, YPll mllY rppay 1111 or pllrl of IIPQIIOr IpAn Tl10 ma~lmllm 10fln VAllla pvallatilala tl10 flmo\lIltwl1lql1, al Ilny \lmo whllft 1I'lllml\trBIl 1ft IlIlVo, g/lqh paymlln musl Will' InlarBal to 1I11lllnll pf lhp pollpy yPAr, 0111111 npl o~, Po 1I\.I!!ast $~O,OO, . . ! Palllllhfl allrfPmlpr vAllIa, " INPI;PTliPNIHlQ, IneloPI1l91lllSa mOllno IIw Iplal of allIIn, IWlH ~PANQ, Whlla Ihla PPIlP.y 10 In olfoPl YOU may pi), palel 10llnll on 1I,la p\llloy, Plllal . . ' llllnAoAsh IplIll Irpm Us !II My \lma YPllr nOllflY hila a (a) all UnPlIl1l Inltlrllatslantl ' Pllnvllllla, Tho Ina\lro~ mllallla liVing, Wo roqlllrl1 Yll\tr liJ) any Iw.Qf\laIHnlllroal !IS pI tha ljllllllho llmpunl wrllHln rl1qllllsl In a fprfn Ilflooplal1la 10 Ua, ... of InQal1lallnlloa Ilnlotllrmlnall, . Wa I1/1VIHho right \0 dalllY making II qaah lOan for UP 10 .. ,. ol~ mOf\lhs al\llr 110 dAla 'ha lOan la raquaslad . nmMINATION, If YO~H pOlloy hl\a A 1011. n anq IIlha Bur. " .. .. ....' rllnqar valuo I1BqOlnlla 0 or laas, your pollpy IllrmlnaloB' INTliRJl!lT. Inlereat on'lpans aqqf\lpa qpllY'at Iha rala Wa w II mAil npllqe tll your aelelroaa, .111\ ahqwn In our' ahown In Bapllon ;!, II la elU. a IInd Plly.aPle allha"ond of rooor(ja, lInd tp Any. aBalgnee of r~QPrll, III IllaBI thirty, ,. Ihe pollpy YBar, Any Inlerllst nol palel when Quala aQ' " ona Ilays parOI'O Buph Illrmlnllllon,'" " .. . QI!NllflA~, Notn111IlY al Ihe lnauroel'a doath Ihe prooallQa 01 thll pollay lira palel In IIl1lngla sum, However, prior 10 Ihe. InauraQ'B ele<\lh, you mAY ulacl sny olher form Of ael. lIament whlph we may muluallyagrollUpCiil, unleSB a previous aloQllon proVI~es oll18rwlao, . .. II no salllorrionl opllon .elepllpn Ie Ineffeall\llhe In' sureQ'1I Qoalh, Iheponeflolary may mflke auch an "eleollon, , ' .. If you Burronelerll11a policY, pr If Ihll Insured Ie living on the malurllY elale, tho surranllor Valuo of your policY may . iJa app loll UrlQer flny form of aollloment we may mutll' ", ally agree upon. ," . A porllon fll\meQ 10 raoelvepaym~nlS \.lnelar flIl opllon ' lu.a pflyeo unelar Iho opllon,To bo a payee ona must be " . a nalural peraon reQelVlng paymonla In his or hor.ownrlghl, OONPITloNS, A alllllamonl option mUal be elecloel In wtlllng In II fonn llPprovetf by us, Our ponaent Is noodeq for a aetllament opllon 10 bo used for lIny payee unelar !lny of theea oonelltlonal ' ,. . (a) The payee 10 no\.a nfllural poreon, (b) The proooeela to be appllael to Iha opllon are lesa Ihan $1,000, ' ., (0) ~l\Oh poymant to tho peyoa would ,bo'loes Ihan 1 $26,00, " OPTIONS, VOUll]ay seleol one of tho following optlona, , In addlllon, yoU mllY selecll\l1y 011111[ opllol1, ot comblo , nlltlofl.ol cpllol1a, Whloh we mUlually agree ul1on, Tablos of monthly Inoomes for !l!1oh $1,00001 procaaQs ate alioWIl l\1 1110 end of thla aeollon, Valuos nol shown will ba proVldael 011 tequasl, If IIVlIllable, . . , ,. OPTION 3, , INSTA~~MENTS OF A f'IXIlP AMOUNT, We wlil make eqUal ,. paymollte overy 01le1lhreel sl~ or twelvo. months aa choe, en, The paYmants Wi I cont nuo unllllho procoods flppllod, , togathor wllh Interasl at Iho tatll of at least 4% !lllr all' . ' .. num on Ihe ullpalel belanoo,are fUlly palq, The flllal pay' ,. ment will PII any iJalancooqualto or loss Ihan ono paymenl, ., OpTION 4, , , , INSTA~~MIlNTS POA APIXIlP PIlAlbU, Wa will maka equal.. poyrnellta evary one,lhroc, elx or twelve montha fllr fl flXlId number of Installmenls, The mln mum amounl of eech Installment will ~e ~asod on a raleof In\ereel of 4% per annum, ' OPTION n, PRObEIlPS AT INTlmEST, Wowlll pay Ihtarestahnually on the Ptooeods rotalned allhe rate of 4%por annum, ,. '. ""I' " I" , ;'\1 "'I i ,I , ! , " I: '"I , ':j" " I',. ,. " " " ," H .1P" it' , i j'" ! a~OTION' a ,.,..,' l,oANa ~qAN VAl,\J!!, Plnlno \l1a In, !lU, rod, 'a IIfPllmo, You mny bar. llorf 10,\110 lonn prlnolpnl 011\1 poma"ll1lproal AI lIip P!lmll rgw !loAlnlll YO\l(pqlloy whpnovpr your pplloy hna n aur, rplu", " rlll1!MV!lIUfI, Thla pplloy la \/lll polll appurlly Ipr IIlla,lpllfl, RPPA YM!!Nl, You may rp(lay pll or pprt ofa Pllllo( lORn , Tho m~xllnum 10!l11 vqlup AVAllnplo la 11111 Amo\ml whlqll, AI AllY limo while Iho II1!!lIroq la AIlVo, liaoh pqymftn mUfti wlllllntpf!lal 10 Iho ond ollho polloy YOM, phAII nol ox' 11P AI IOil!!1 $?O,OO, ! ,,' " opp(f Ihd' 8\1rron\lpr vAluo, ' 'INPIlPTllPNPIlIl, lrir1alllilllnoaa mOAn a ,\110 lOIAI 01 nil 1m. PAllH~QANIl, Whllp 1111!lpolloy In In pllool YOI/ mny op. Pllld lonnp on thla polloy, phj&1 1!lln n onah lOAn from \Ill III Any lllnll your pp,1 oy haa n (al all unpalcJ InloroalPllwt , IpmlV!l!\!p, 1 11\llnp\lro~ mUllt 110 Ivlno, Wo roqulre your {PJ any aooruoq 11110rool !la 01 Iho cJRte tho qmounl Wrlllon rPqIIP&\ In A form (lpoPllIablll,lp u&, , , of InQppteqnOaa la Qatllrmlnad, Wo hMlltl1P rlol1l to (jlll!lY lnoklno A oaqh loan for ilP 10 ' T!!RMINATIPN, If your policy hno WIOlHl rmrll1ll1o !lllr, " alx monlhll allpr 1110 cJnle the loan III reqllelltp(l, 'rpnQPr vnluplwoompa 0 or laUa, Your polloy tprmlnploa,'" INTPRllIlT, Inlproal on 10llnll Ilooruoa QAlly nl IIlP ratp Wo will mnll nollop 10 your ~nclroao, All ahown In ollr " Ilh,C1Wllln, Seollon~, II la qU, 0 rmQ Pllynplo allhe oncJ of 'rooorda, m,ld 10 IV,1Y aaolonae of rooClfcJ, AI,loAnl Ihlrty." Ihll ppllov yellr, Any Intore~1 ,1101 pnlQ wllon due la IIq, rHlo clllYo IlOlqre sUllh I~rmlnnllon, " 'I SEOTION a ,...., aaTTl.EMIiNT OPTIONS /1' " ., I QRNl!"~~1 NormAlly' at IholnaurPQ'fl ctelllh Iha prooepqa O~TloN 1,' pf 11111,pol QY !l(a PIlIQ In a alnole ~Uln, Hpwovor, prior to ' Ihe InPllred's dOlllhl you mllY eleol nnY OlllOr form of ael. ~1f1l! ANNlilTV, We Will PaY II monthly Inoomo 10 one lIemanl Whloh wo mny mUtually Ilorellllpon,unlaaa n apeolflo pa\'oa for aa lono AothAI PAyae phallllvo, Whan , prpvlollq eleotlon provlcj~a o\l1Drwlae," thol payop 11100, no Iurlllor paymonta al1all pp macjo, ' If no apltlpmllnt.opllon oloollon III In effpol IIllho In. OPTloN~, aurocj'll dealh, 1110 ponoflolary may muko' alloh Iln ~IFf; ANNUITY WlTli Pf;RIOP QUA~^NTf;ap, Wawlll pay olootlon; II monlllly InoOmlllo 0110 pllyaa for a guaranllled f1otlOQ Ifyqu aurrondpr thle po'IIOY, or If thplnaUfPd la liVing on of 6, 1Q, 16 or ~o yellra, Wa 1'1111 cOllt1nue tho monlh y pay, tho I11AlUrlty dnla, thllaUrrender VAIU, a of (our polloy mllY monta IIltor Iha explrallol1 ollha ouaranteod por od ua, po APplied unclor nny form of eelllempn we maymulu. long lle Ihat payee In alive.' " ally aorae upon, ", "" A paroon nampct 10 rooalve 'pllYlTlonta 'undar on optlOI1 III a pllype uMor Ihoopllon, TOJlP a paYllP onp mUol bo a noMal pprl;\on rpoolVlno paymanlo In hla or hor own l1ol1t, '" QONOI'rIONs, A oeltlehipnt option mUat be eleoted In wrltlno ilUI form allproven by ua, OUr oonaant la noeded fofe aeH!emenl,oPtlon 10 bpllapd for any payee under , any 01 theae oondlllonol , (al Tile paypo la not 0 natural peraon. (bl Thoproopoda 10 bpeppllod 10 thp option ora loa a than $1,000, " (0) "aooh paymont \0 tho peyeo would 'bo leao Ihan $R6,OO. ' OllTIONlI, Vou may Belaot one of iho 101l0Wlng optlonll, , In addllloh, YOII Inay aoloot any olher optlol\, or oombl- nallon of opllonA, whloh we nllJtuAIlY aoree Ullcn, Tablell 01 monthly Incompa fat oaoh $1,000 ofproooedB nip showf11ll tho olld of this Aeolian, Values nnlahoWn 1'1111 belHovldod 011 taquest, If avollaple, " OPTION 3, I- I' INafAhI.Mf;NTs OF A FIX!!P AMOliNT, We will mako Qqual paymonls QVory one .Ihl'oo, alx or twplve monthA AB ohoo, an. The pqYlnonls WIIr continUa llnlll tho proopsda applllld, logpther with Interaot at Ihe rille of Ilt Ipast 4% por an, num on tho unpold !lalanoa, RfO fully paid, 'rho flnalllqy, . mont will bp any ~aIAni'lo aquallo ,pr Ipsa IhM~110' flaYlne/ll, , .. ,.. OPTION 4, INs'rAI.I.MsNra FO" A FIXIiO PIiRIOP, We will tnnko oquol paymonts every one, tl1tes, alx brlwlllvo mbnlha lot a fixed l1utn!l"t of Inolal/ments, T''inlmum amounl of eaoh Inetallment Will be bl\Bed ' rala of,lnteroal of 4% 11~r 11I1nUm, OPTION U, I1l1bol!llbs AT INTIlI111ST. Wo will pay Inlstost 1ll1l1llally' 011 II'" ptOi'loeda re\plnod QI I/lP tolo bl 4% pet annum, \, 1P aaOTION a ,...,. ~PANa ..sgOTION 9 -$I;TTl..gMaNT OPTIONS Qj;NI'I1A~ Norml1l1y I1llhe Insuroq's qeathlhe prOOOflds PPTION 1. " of IIlepolloY arepllld In II slnole flum, HoWovor, prior tp ~IFIlIINNUITV, We Will PI1Y 11 monlhly Inoome 10 ana ,the InsUraq'1l qllalh, Vou may eleotllny other fOilT.' of sol' speolflo P!II'110 lor as long I1S IhAI PI1Yoo shllllllve, Whfln Ilomont wl,loh wo ml1Y mulul1l1Y 110ree upon, unless n \llnl payee !lIas, no lurll1er pnymonts shAllllll m/1qe, provlo\IQ eleollon l,lrovldl1s olh~rWll\e, If no sl1l\1ementopllonoleotlon I.s In offllolul the In. sured's cjel1th, Il1e beneflolary ml1Y mako suoh /111 eleollon, If YOU SUrrender Ihls polloYlor If tha Inaureq 11\ IIvlno on Iho malur ty elate, Iho surrenqer Vl1lue of your polloy may be I1ppllod Unelel eny form or settlement WO ml1Y fT1utu. I1l1y 110roo upon, ' A porl1on nl1med 10 rooelve pl1yments under I1n option Iii a pl1yesuneler Iho opllon, To 1.1011 pl1yee On/1 musl bo 11 natUrnl porson reoolvlno pl1Ymonls In hla or her own riohl, OONDITloNs, A settlement option muelbs oleoteel In wrltlno In a fqrm ap\lrOVOQ by us, Our oonsent Is needod for a 8etllement op Ion 10 be used for any payse unQer IIny pf Ihase oondltlonsl.' ' (a)"Tl1e pl1yee Is not II nulural porson, (b) Tho prooeeds tobe appllod to the ollllonarll Isss Ihal1 $1,000, (0) I:aoh paymellllll tho Pllyeo would ~o 10Sfl Ihan . $26,00,'" , , , OflTloNI3','vou may soleol ono of tl1efolloWlilg Opllons, In addition, you ml1Y soleot I1ny olhet bpllon, or oomb" tlatloll 01 options, whloh we mutually agtee upon, Tablos or monthly Inoome/1 lor eaoh $1,000 of Ilroooede aro shown allhe e/1d 01 tills oootlotl, Values /101 SllOWll will be provldod 0/1 requost, If IlVnlleble, ~PM-l VAkllll, Purll1Q IIl11lnollru(I'o Ilfo\lm\l, YOIl mny hor, row AUlllnnl YOlJrpplloy whonaver yom polloy 1111S I1S\lr, . ronqor VAI~!o, Thlo pollay In Ihe nolfl aaourlty lor 111111101111, The 11111~lm\lm 10AI1 VAlue IIVAllnplo In 11113 pmolll1l'Whloh, wlthlnlflreo\ 101110 ondpf \lla polloy YPfjr, shAll nol ox, gel1Q Iho ourronqOr Valua, . O.AAHkOA.Nl'i, W. hila Ihl/1 PQIIQY la In of/epl YOII" mAY oh. lAin A oaal\' 101111 IrpIn uo 111 IIny \lma your ppl oy hl1s 11 101-111 V~llIo, Tl1p In/1ureq mU/1t be living. W\lt!\qulrp YOllr writ ton raqueet 'n 11 form AOOOPll1l.1lo 10 us, Wohl1va Iha rlohl 10 dalAY malllno A ol\sl1 loan. for up to s1xmonlhs f.Ifterlhn dAla Ihe 10l1n Is reqllaSll1rf, INTlmaaT, Inlptflsl on lOAn a aoonleo ellllly AI Ihe rAte shown In aeQllon ~,III/1 due IWj PAYAhle I1llha enQ of ! Iho polloY yeM,. Any Inlereal npl PAid when quo Is I1d, ,. . ,." " .. " i' 'j (Inello Iho Inan prlnl1lpal amlllaArD In\ar0/11 0\ fha' sam.e tAlC), " , RIlPA Y~IlN'l', Vou fHl1Y rapay 1\11 or PAri' of 11 polloy 101111 ' III I1IW IImflWhllo Iho Inaurollla I1l1vfl, !:aoh paymfln\ 111\lal \10 al loast $?O,po. ,. IN'pIlIlTI'PNllas,lnciblltodhoaa mOana t1'fll~tal 01 All Iln, pl1lq lOAns on Ihls polloy, pillS:, ,. Ii dll) all unpl1lcl Inletl\slal ami (Ill any aoorueel Inllltl\al AS of Iho (jate IIw Amounl of Indop\adnqaQ In clalormlned, " .. ",.1' TIlRMINATIPN, If your polloY hll/1 a loon and If Ihe'sur, rencfor \ll1luo llOoOmos 0 or 1000, your POI. lay '.0. rmlnO.les, Wo will ml1llno\loe 10 YOllr oddroso, I1S ahpwn In our rooor(lo, I1nQ 10 uny Asolonoo of reoorel, AI leas I Ihlrly, ono claya IlOforo s\joh tormlnallon, OPTION 2, ~IFI:. ANNUITY WITH PIEAloD QUARIINTIlIlP, Wo will pay 1\ monthly Inoomo to onl1 psyos lot 11 guaruntol1d porlod", 01 ~, 10, 15 or 20 years, We will oontlnuo Ihe m~nlhlY PI1Y' menls/1l1er tho,oxPlflltlon ollhe OUaranloeQ netloQ AS long as Ihat Payee 10 olivo, ,. OPTION B,' INSTALLMENTS OF A FIXI'P AMOUNT, We'wllll11ako equnl paymonla OVaI)' ol1elll1reo,' six at Iwolve lnon\h/1 /1a ol\os. en, The peyments Will OOI1t1nue unllllho prooeeda applleQ, . logalhet wllhlntoreal nt Ihe rato 0 I1t laast 4'10 por I1n' nllm 011 the unpalcl belnnoe, aro fully peld, Tho flnElI pny' mellt wtll 1.10 MY b/1I/1/1oe oqual 10 or loss lhan ono paymon\. OPTION 4, INSTALLMI:NTB FOR A FIXI'D PERIOD, We will fnakeequl1l paymonla !lvel)' anD, Il1roo, six at IWalve monlh~ fat a f1xednumbflr ollnntnllmen(s, T' ',,"lmum amount pi each InstalllT10rll Will babasacf' 'rAlo ollntetasl of 4'10 Il"t annUm, OPTIO~ 6, PROC,EEDIl AT INTEhI:ST. Wo will payln\atost nnl1l1ally (11\ thfl proooeds rOlaU~od allho ralu of 4'10 potetlnUl11, " ,,. " . , AI Ihp Plllllh, pf 1I"a PIIYPP WP WIII,PlIY 1110 rllmQlnlno prln, plpAlllnPllny pppr\.larJ In,l!lrtlQI \(lllIQ or,llPr Illlllllp, AI' IIlfl ~1l1l111 pf.IIHl pllypa \lnrlpr Orllonll gl ~ m fI, Any ~lImlllnlno oUllrflnlptlP PAymlln\Q wi I 110 mnPII 10 Ihp Il, n,IlllQ IlrY pf IIllllllllllampnl ppI pn, If nq h~npflplllry hl\ll aon nllmllrl, PlIYnlpnlpwlI ppnl'l1\lP Ip. IIIl mllrllllp Ihll PIWllP1ft,alllllltl. ~Ilymtl, nl pI IIIlCl Ullmlllnlno lunqll mAY" l1e mllrlllln II lump Pllln If WIl llarpO, " . , , - . , , " In IIrlrll\lpn 10 1110 PlIymanlll OllllrAnloarl undpf Iho AlloVIl QIlUlllnlQnl ppl onP1 QXOlllllllnlllrOQI mllY ho PAlrl pr prArl\l' 'IIrllrpm \Ima 10 IlmllAI allot] rlllQIl All pur ~pprcl of PlrllP' , \orQ phil I rl1l911lt~, " , I'IU~~hI!MJlNTAIIY PPNTIIAPT, If A Qlllllllmpnl Pf\lpn III OIIlPIIl~, WP wlIIllIPUPII QIlPplllmllnlll1')' ppnlrAo qnll1Q ',IQIIl pf Ilfllll,pmlll1l' II WIII,IlII1IIl 1!1ll rlohlllllOR IlllnllllQ 0111111 P!lYIlIl unrlllr \111l QQ1\'QrT\pn, QP\lpn IIll1PlpP, TI1I1 Qupplamtll1lmy PP"11 IrIlQ \ W II I I1n,l \Jrlll prpVIPlon, Q, "rQOllrrl. \no W\lI1IJrlIWII,1 rlohlllllncl \I1\l Plwmllnl'AI PlQqllaclQ rlj. mlllnlno 11111111 tloll,11 plllw PIlYIIO, " , flllPQf PF A~I! ANP I'IUf\VIVAh, I'Illlmo mllklno PIIYmllnl1l untlllr OpllP/l1l1llncl ~,WII mllY requlro 1l1l1l1lf/lPIPry pmpf of \118 !l00 Antl QIlX pI 11111 p\lrPQI1 qn WhQQ"Illlfll PA.Ym~,nlll IIrll hABorl, IlplIymllnl um1l1r,llIl opllQn clllpl3nQIl pn Bllr. VIVlIllIllllo PIIYIlO, WII mllY tllqlllro ,1ll!IlaIAP,\Pr, Y Ilvlrt~np,,1l 111111 \1111 plIyllo IB IlvlnO whlln IIle pllymonl lillQQm~q rlUIl, , . TAI3I-.~ OF SI:iTTh~MaNT,oPTION RAT~S MPNTHI,Y ,INQPMll fI~1I '1;000 or< ~IIOO!l~pa AP~l,lllP " , ---" I " OPTION 11 OllTloN ~I OPTioN 41 , M u",all "gal ~Ila "nnull wllh q\l~I~nlaa FIKa~ Parl\lQ ~ ~ ramalll hila Annully Far 10 YllalS For ~o Yoals Yaars l1aYlT1llnlQ ," m M $ ~,7~ $~.Oll $~,O~ , 1 S60,12, 00 A,IlA ~,70 A,OO' , "~ ,40,Oa "'''- 00 . A.1l4 ~,07 4,06 3 ~a,~a ~ 67 6,04 A.D7 4.71 A ~2,60 6~ 60' B,la 0.07 A.70 6' 10,a6 66 611 " 0,20 6,11] 4,85 0 10,61 I, 0,40 0,211 A,Il1 7 10,M au 60 07 81 6,64 0,4'1 4,118 8 12.10 60 62 ' 6,011 6,63 0,06 0 11,01 ,. ., '6,04 6,00 0;11 10 10,09 69 8~ 60 84 8,01 6,79 6.18 11 0,3~ 01 66 0,18 ' 6,114 6,24 12 .,IW 82 66 0,07 8,08 6,00 111 8,20 6,67, 8,24 6.00 .. 14 7.76 63 ' 07 , 64 08 ..8,70 8,~0 6.41' ' 16, 7,06 66 611 7,02 6.67 6,.16 10 7,02 66 70 7,P.7 B,74 , 6.61 17 0,73 67 71 ' 7.64 6.91 6,66 10 0:47 oQ 72 7,03 7.10 6,09 11l 8,23 . II " 69 711 " Q,14 7,20 6,62 20 0,02 ,'I; 70 74 ,8.48 7.47 6,86 21 0,83 71 76 6,04 7,68 6.08 22 , 6.06 72 ' 0,23 7.86 6.70 20 6,61 70 - 9,06 0,04 6.71 24 6.31 74 10,11 6,23 Oi72 26 '.0,24 76 ..... " 10.61 8.41 6,70 ' 00 4,70 -~ ITlla "DO af tha I1l1yaa must bo sdlllQtod 00 follows! Voals af bltlh bslara 1000 - Add 1 yoor, 1940 thlll 1909.... beduot 2 yoets; , 1000 thlll 1019'- Ueo aotual 000, 1960 thlu 1979 - bodllot II yaots, 101m thtu 1909 - Daduotl yeot. 1000 Ihtu 1009 - Deduot 4 yearQ, aF~;l600,l IlIBD ,ml 11 19 " saOTION 10 "'"' Q~NaRAI.. PROVISIONS . , " , , 'INPPNTfHHA"lhITV, Wo Ulll1np\ lIonlqal Ihln pplluy Af\lll 11111n \loon In fpron lor Iwp Yll!lrn Wl1l1l1lho InsUrael,la ~IIYQ, Wu PAnnol uOI1,aplllfW Inoro, IIQod 111l1111f1la IA,l,llr I' ,.1I11\n IW,!? YUllra Irnl11l1lo ofleollvo [jAlolIl Qllul1ll1UrQAaacj 11Ilnollla, We, Olll1nlll ppnlOllllll1Y honQflla II1\0r II roln, SI!lI~monll1l111 hoon 111 forpe for IWo Yol\rll, ' MIIlIITATl'lMPNT OFA~~OR IlPX.1f \hllllllllJO l\01l or allX ' ollhe Inaurorllll nllll1QrrllP\ly 11I1Pwn In fOlell\lpn 1, we wll raplllllllllllolhe l\POPIlI1I vAluo Irom laauo ualnll Iho mortllllty ohllrgall Pllaacl on Iho OOrroo\ lIoe I1l1cJ BOX, 6Uoh roollloulllllol1 will \lllO Iho '!loo IIIl1P\ml al1pwn 111 600llon 1, Tho clOl\ltl pan\ltll prou\lotlll ml\yol1Al1ga po. OIl\IQ\I pI IIny ohlll1go 111 1110, aoopUl11 vulua rOllullll1g Irom 1110 rePlllplllllllol1. 6ell aeollpl1 4 ?f Ihls polloy, ANNUAh RPPORT, Wa will Olva yoU a Qllllomel11 01 1110 v!lluo of Il1la pplloy III if HIll I pnoo a,yol1r, The reporl Will ahoWI .", " , (u) ,11111 purronlAoOpun\ Vllluo IInQ llurrol1tlorv~lllal ' (II) Il1eoum~111 qealh hel1l1flll (0)' any Qurr\lr\1 polloy Ipanal (tl) lIollvlly alll0e,Ihe IlIllt raporlllnolutlll1g " ,1, pramlllmll palol 2, Inlarosl QrQdl\\Iol , 3, 1111 actmllllalrallva ohal'galll 4. alllnaurPnoll rlllk phArgall1 5, I1I1Y parllal wlll)clraWallll ano 6, IIny loan ao\IVI\Yl AaIlIQNMI:NT, No IIslllonmanl of Il1ls polloy wllllla bind. , . Ino bn uft ulll\lsll Ilia In wrlllng And f1lod al pur /Jpmo, (0) and, auol1 pthar ,I\ema aa mAY po raqUlll1rl by offloo, Yp~r rlghta IInd Iho rights 01 any bOl1oflplary shull alala IIIW, , , he aullleot 10 Iho rl(:/l1ts of anY uoalgnao, Wo I\Rsumano Thore la no ohargo lor I'hlll reppl'l, rellponalblllly lor Ihe vAlltllty 01 uny a8slgnment, ' " ' , VI' I I 1~~\JSTRATIVl! REPORT, An IIluatl'lltlve rapprl pro)aollng QHANQE OFIlBNl!FIOIAf\ ,While \ 10 Inllurod la Ivlng, fuluro valuoa wlllbo senl 10 you upon raquost. We will yoU pall ohango the llonoflolllry by wrlllon nolloo 111 u '011l\l'go u rouao,nublcJ fOEl fpr provlclln!l this report. form 1I0peptAllle 10 Ull. Tile ohul10e will tullo effaot M pf , " ' .' tho date IIla lorm was signed, sublotll 10 Any puymont Tt!RMINATlON,Tha polloy Will tarmlnatol mnde or olhor ~ollon'tul\ah by usbolore puph nolloe" (u) on Ihafltal monthly due.date aller wa rooolva" OHANQIi OF PO~loY, Vou oan oxohAl1go Ihls IlOlIoy lor your written teqUesll N ' a dllfarol1t type of polloy wh,I.oh we offor Ifl , . (bl when Ihe Inaureo oleal or ' (0) We uPllIove your wtltlon raqutlo, for phungo! (0) When sufflulelll premium ,18 I1pt rooelVoQ before (b) ypu rolurll thlo pOlloy whllo ilia In forpel and Iho arid pt ,Iho graoe pOrlodl or (0) you aallsfy /lny roqUlrolllonla 1I11d l11ul\o allY "(dl pn tho polloy Mnlvoreary follpwlng 11111 951h , paYl110111a we dotormlno, , ' birthdAY of tho Inaured. THft /lOhIOY,Thla pPlleY 10 laauotlln oPlIllldllrAllon all (Il) YP\jf.,l\ppllpl\tlpnl (II) Iho pAymonl pf pronllumal!lnrl (p) 1110 prqvllllpna of t.l.10 pplloy Anel rltlor(a), , TIHI P9110y eenQlllla pf: , (II) Il1la tlpoum\lnll (b) II1~ fltlnul1er:f upplloQtlpnl nnr1 (p) Ilny Allnuhod rlclor(a), , . I AlIlltllteltlenla mutle IIY lho Inllllrod lira 10 be oonsldQrocl ' r,epro, aenllltlllnllllnd I1P\ W,l\frunlles, No alAlomanl Will hllusarlln delonlle pf II olulm ul1loss,P\.leh 81ulomonl Is P0I11l\!nlltlln 1110 l\HAQho~ UppllOAllon, NOllltllrlltlol1 of thlll pplloy' Ilncl no Wulvar of UIlY pf 118 ,provlQlonll 8111\1I pe vnllclunlolla murlQ In wrlllno by IHI IlM 810netl hy aile of our oflloora, OWNl'lRSHIP, Purlng t,ha IIfetlmo 01 1110 InslJrecl, you shall hAve llple ownllral1lp Ill1tl epnlrol of Ihl8 polloy Ilntl ahl\lI, ~e VB81etl with oVery bllnefll, ppllon, rlgl1\ antl prlvlloge, 1I10luQlng Iha rlol1t 10 ohllnoe My mVPollhlo bonoflolAry, ,IQ a88,Igl1 11111 pO'IPY amI 10 I\groo wllll Ull \0 un\' el1unge In or amendmen 10 tile polley, lithe Inllurod la ul1rl~r 15 yallrsol Uga, \ha uppllonnt lor this pol laY 11l1nll oontrol this PolleY untl muy oxorolllo ull rl!lllts of ownerahlp pr,orlo Iho 1Uth 111r\llrlay 01, Ihe In, nuretl, Wl1anlho InalJroQ II 1U YOI\I'S old, ownllrslllp pf thlll pollpy ah, nil trllnsfQr IP IholnsuroQ unlollll pthorwlso prpvlQeq In ,tl1o appllol\t on, ,. " 1\ 'Ii I' " I" 19 " SI;OTIQN 10 ,"",'QJ:NgRA~ PROVISIONS " , THI! PPww, Tllla ppllr.y la IQo\loc! In OOl1lllclIlfAllon ofl INOPN'TIlf:lTAPI~ITY, Wo o011111l1 1l\l111111l1 IhlQ ppllllY IIlIor IIIWI Iwan In foroo for IWo yallls Whllo \110 Inallroc1lo (0) ypur PPPllp!lI,lpnl , , !lIIVo, Wo ollnnol oontosll\l1Y Inllrollaocl honolllalAIQr (\1) IIl1l PQymonl of prOmlUI11Qlllnct Ihnl1lwaYllOrolrpl11\1lO ollobllvo cllJ\o 01 Q\loh i1,pro!lsa\1 .., ,', Ilanolllo, Wo oannol oonlaallll1ypellllfl\llllf\qr a roln'" (0) \110 prPvllllans pI \110 p~1I0Y line! rlrlar(a), . s\l1lol11onl hso Iloon In Ipres far\wci YOOfS,,' " " . Tho pplloy 9P111l10\a all MIf:lf:lTATIlMIlNT PF AIlIl OR allX, If \118 lall\lll aOe or soX (0) '111111 qoo\lmonll ollllOlna\lrect Iflno\ oorroofly ahowl1:ln Soollan 1" Wo " ", will reollloullllo 1110 lIollounl Valllll Iram ISllue \llllno Iho (II) \110 s\lool1llclllPllllolI\lrll1ll1l1cl 1110r1I1I1IY onllrooo Ilasllel on 111Il oorroo\ AQIl anrl aax, (0) Any ollllol1oct rlctor(s),' Buoh rqof1I!!\1lollon will use 11111 tClOO omounl allown In , 8001l0n 1, 'ho ctef1lh ponolll proooocta I11I\Y ohll1100 ho, All s\Alal11enle mllcto Py 1118 Ino\Hetlore 10 hQ oonolc1eroct , CnllaU pI IIn}' o'1Qn~a In tho flooo\lnl value rea\llllnO Irol11 ropmaen\ollone 111111 nOl WlllrAllllea, No IlIAloment will Ihe replllcula\lon: 80e 80ollon 4 pi Ihla polloy. ho \laotlln rlefOl1l1o alA ollllm \lnlesa 8\1011 s\oloment Is " oontllll1otlln Ihe Allnol1etlllPpllollllon, ANNUA~ Rr!PPIIT, We Will Olvo YOII f1 atalllmonl ol,\ho " ' ,voluo pllhlo polloy IIlleoal onpe f1 yoor. Thorepprl Will Np IIlIorp\,lbn 0, \ this 110l,IOY, 111111 no Wlllver 01 Qny of lis shaWl ' , , pfPvlalpns Shill' ha vallcl \lI1loos mActe ,In wrlllno lly \la Anrl slqnsct hy ana of our offloorll. .' (o)lho ourren\ 1I00p\lnl Vlllue f.\nrl s\lrrllnctar vol\le:;" PWNIlRf:lHI,P, P\lrlno Iho IlIellma of Iho Insurad, you shl1l1 (P) Ihe o\lrro'nl dal1lh IlOnefll1 haVll sols ownership and oonlrpl of Ihlo polloy i\htl shllll II I bo voaloe! wltl1 every paneflt, opllpn, rlolll IInd prlvlloOB, (0) any ourront po oy oanlll ,Inolu, ell 11 0 1118'rI0I1I \0 ohonoo MY revooaple,bonoflolary, (el) l\ollvlly slnoo \lle lost raporlllnoludlno, ' , \0 lIelllgn 11e poflpy,Anci 10 agroe with us tp IIny ohanoo ' In or amondmenl tp IIle pollPY, , '), premiums palell " II tho Il1aurarlls unclor 15 yeara 01 110\1, 1110 IIpplloant for 2. Inler~~t orecllludl 11'ls polloy aha\l ponlrolthls polloy IInrl mny oxo,rolso 1\11 a. all IIdmlnlsltallvo charoeal r ohls of ownflral1lp prior 10 the 18th IIlrtl1dllY QI tho In' s\lract, Wl1Iin lila' Insured Is 18 years olrl, Qwnorshlp of 4, alllnsurllnoe rlak ohargelll " 'Ihls POlloY'sh,all ttanllfar \0 tl10 Insurlld lInlesBolhorwlsG" 5, any psrilal wlll1drawalsl and' provlrlscj 111 \110 I\pplloallon, " " AB~IGNMIiNT, Nq aSlllonment of 111111 polloy Will 110 blml. 6, oilY loon aollvlly, Ino bn us unlea~'lIls In wrlllng al1rl fllerl al O\lr 1101110 (a) anct a\loh olher Ilol11s Sll mayl1e roq\lltBrl \:lV' , '011100, YO\lr tlohts IIl1rl thll rlohta of IIny peneflolArY sl1l1l1 slole law., " ", ho ~ubJact 101l1e rlol1la pi ony osslonoo, We a~sumo no Theto Is 110,0l1aroa fpr Ihls report. rGspol1sl~llIty lor \110 Volldlly 0.1, eny assignment. OHANGll pp allNl:FloIARY, While thelnaured la IIVll1g; 1~~USTRATIVIi RIiPORT, Anlllusltotlve rapPrt ptoJeotlng you can ohange \110 honeflplory \:ly wrlllen nolloo In a lut\lte Voluo~ will bo sonl tp YOll, uppn requoet. We.wlll form oooeploble to UIl, Tl1a OhOI,WIi will take alleol oaol oharge 0 taooonalllB 100 lor ptovlrllno Ihlarepott, tha dAlo Ihe form was sl(lned, sUbJeot to ony poyment Tll~MINATIPN, ThIi p~lIcy will 10rl111notol morlo or otller ClotlPI1 lollon hy UIl bafote such no\loe, (e) 011 1110 first mol1tl1lytlull dol a altor we reoelvo OHAN(1!l OF flP~IOY, You oali exohal10e Ihls pplloy for your wrlllel1 requostl or, '" a rlllferenllYPB of polloy, whlph we offer Iii (11) when tho i11s\lrarl dlesl or " (a) Wo IIPllfove, your wtltten request for ohenglll, (0) when aulflolent promlum I~ nOltlloolvod hefote' (h) you relurn this policY while II la Iniforeoj end \llIl Gild of 1110 grscs petl"dj or '" '," (0) YbU aotlefy OIlY rBqullol11enls and mllko any (d) ol1,lhll pollev nnnlvoraot)' followlntl Iha 05th ~eymol1ts werlelermll1O, "birthday of II'" Il\sUtod, I ,. 'j. ," . J:RIr; fAMll"YhlFI; IN~URANOt; QQMPANY' , r;RI~1 Pt;NN~YhVANIA OTHI;R INSURI;P T!;RM INSURANQI; RIP!;R ,,' 'PI!FINITIPN Pf PTHI!II INaUfl~p, Tho' poraon InQll/Oel 3. 1110 ollpo\lVo ellllo of 1110 IWW PQIIIlY will 11lI IIlP dl1\1I unl10r Il1la rldllr la\l111 ollw Inallrllll nllll10rlln Soollon 1 9f \llIIllpplllll1l1pnl , ' , pllllll pplloy" ' ,," . , 4, 1I11l Glhor InollrlleJ l11\Jal !lollvlno 0111110 I1Alo 11111111111' . n~N~'lIT. Wa Will pl1Y tho IMIll h10lHQnOo 110npfllphpwn rrtr~~~~IIf~~reJ Iho flr~1 prllll1ll1mam roolllvocllll Q\H , ~1 ~1~gIJlt\1JrWl~~~J~~~~I~Il~n~pW6~~6\11~1~~r~i~~lg;~gl ft, 1110 p,romlum fpr Iho I1PW li,ollOY WIII,hp,elPlonn,lnP,,'il,IW Ihlll rll1er 1110 Olhor Il1a\1rllcj1u 1l0X, 1I111llnol1 aoe, rato alMa In " . ' ' 011001 lor Il1la rlrlor lIl1clll1o pill!] olll1a\trlll1PP oolpolol1l 1H1NPIlIQIARY, Tl10 hOflollolflrypf 11M rlc10r lal \1, 1110 lImQIHll of In aU rAil PO prpvletoclllY Iho nQW polloY 1, flrlll, thp inp\1rorlt If IIVIl]OIII10n I11fW,1101 ho l11pro II1Qn 1110 Il1a\1rl1npo prPvlc1lld 11Y Il1la ~, Iho qlhllr II1Ql1reel'll Ilalfltll, ,rl(jor allho limo of pOl1voralon, I\l1d mAY nql hllloall IIHII1 $lllOOOlllnel " , " Tl10 11pnofloll1ry m(w 110 ohal10atlln Iho l\ppllpallon or IIV 7, 11101101'1 polloy "'lIY pe for allY pllln of Pllnm1l1anlllfo 1111110raonllll1t upon om approvAl 01 YOllr wrlllpl1 roq\1olll, . Inaural1Pll WO Ihon Offllr, . QHANQI! OF PIlNIlFIT, Th'll Ilonofll 1I11101lnl ITIAY 110 Wlllvllr of prol11luml AQolclonllll pallth pr o\l10r Ilupple. a.11l1l1\1otl hy YO\1r wrlltol1 roq\1olll III ua, Tl10 Ip lowlno montllry honoflla W II 1101110 grllnlod ol1lho now P, plloY opntllllpna applYI linleaa eVltlonpo of,lnlluralJlIlW,lloooplf.llJla tQ Ull, la llul1. 1, 1I1e henllfllllll1ounlmf.lY 110\ Ile lallll thnn $1D,OOOlmlltetl tg our Hpmo offlpo, a, nny InorOl\QO 1(1 nmolmt roqulrea ovll1enpe ollnllur. "T~RMINATION, Thla rlcler ohnlllormll1l1lel . Allll1\y aopoptnlJlp10 Ual nn(1 1, upon YO\H written requeatl " , A, nny approvotl phnnoo will peoomo o!foP\lve"on tho 2 wilen 1I1e 11olloy III 10rmll1ntodl next monthly Qllto following our Approvnl, 3" t tl 'lf'II' I d ' " " ,n 10 c,onl 1 0 1e nouro I or " We wlllllond you II aupplemenllo Soot 1011 1,1 ahowlng 4, upon thll polloy Qnnlveraary on or nexl fpllowlng'lhe Ihll P1111110e, ,," ollw Il1allral1la 05111 plrthc1ny, . ' , Mllll'ITATflMI!NT OF Mil 01\ !\IlX, If Ihe Illf.luo nge or aox 'I I h I I 01 Il1e other InllureQ IIl.not qorrapliy alloWI1 In 8eollon 1,' OOST OF RIPIlR, Thll month Y opet 0 t III r c1er II Ill' WII will raollloulllte the nooounl Vlllue Iromlaeull ulllng Qlul1el1 In themol1ll1ly detluollon for Ihlll polloy, . 'Iho mqrlnllly phargop pnllocJ on tile oorreol nge nlld Ilex, Thll monthlY oOllt la equal 10 Iho monthly rale tlmen the 8UQh reollloulatlon will Ulle tho faoo nmount shown In Ilenefl1 amounlllhoWl1l11 8001l0n 1, Tho monthly term 8aollon 1, The dealhponaflt prooooda I11l\Y ol1nl1ge InaurllnOIl rnle la IJnllecl ontlla Other InllumcJ'aaex, peonuee of allY phan,go In 1110 nooount value rosultll1g nlllllnecJ age ancJ rnta olaea, ' Tl10ee Ill1nll he aepfl,' rately frOI11 1I1e reoaloulalllln, 8eo 8eotlon 4 of tl1lll polloy; determined for tho lorm Il1llurnnoe nlllount nnd elloh Ilul). , " , " , , ,', . soquent Inoraalla, bllr 130arcJ 01 Dlreptorll oan chung\l thll oONVI:lRalON PRIVI~IlQIl, Thill tllrm Inauranoe may bo rlltoll from time 10 IIme,lJl1lthoy will never he moro limn , opnvertedto a new IIflllnsurnnoe polloy, wlthoul proof the maximum ra,ae fpr tl1lapenolll nl10wn In 800tlol1 2; of Il1eurehlllty, prOVided Ihla policY untl tl1lp rider nre In AllY olU\I1ge In 1110 rutea wllllJe delermlned <in a uniform foroe, antluponl ' , " pusle for Inllurlldllof Ihe Ilame Inaurlng age,llex und,rale, , ,,1, your wrltlen requoet prior tP..thopplloy nnnlvOlllnry olnsa, No ohanga In rn,ee for eXlatll1g oqvorugoll W II onor 110Xt following the Olhor Insurlld'e ij6th blrtl1l1aYI ooour lIeonulle of u phange In tho Inaured'e rlllk " :, or olullalflonllon, 2, tile Othor Inaured'a Written requoal not more than 31 GIlNflM~,'rhlll ridor Ie npart of Iho PPl19Y, ' tp wl1lohll " l111Yll aflat the deuth 01 the Ineurel1. . , la atllmhod, All provlll pne oontulned In tho polloy Whloh , " " ure not In oonlllot wllh thle rlcler Me npplloahle to thla QONVlltlalON OATil, TI)e opnverslon date will 110 \110 rider, Thill rlcJor III effepllve on Ilia pollpydnte unlelllla eurller 011 ." different cluto 10 ahown In 8eollon 1, 1. Ihe polloy annlVerllnry on or next following ,tho other Tllla rider Ie laaUod In n' eldernllon of' " Il1Ilurqd'Il116th blrthdaYI ,00 , . 2. 1110 clule of the IneurDd'a dealt" or 1, Ite uPllllpllllonl und 3,uny eurllotdale rllqlloeled lIy'you, 2, Ihe ~uyment qlltll mpnthly oOllt. OONVijRaloN RIlQUlRaMIlNTS, Thla oohVorelon prlvllll{Je 81gned for tho OOITlPan,yat arlo, PennaYlvanlu, " III eub/oot 10 tl10 followlng'oondlllonal ' 1:1'10 Family Life Ineuranoo OQlnpal1Y 1. 'wemuel rooolvo a aloned aPl1110nllol1 no\ 10101 Ihan '~.o I .oP-, . 31 dUYll followlno the eppllouplll oorwDralon dllte: M-." /'VI ,~ 2, we mOat reoolvell,11 flrlll prllll1llim for Iho neW polloy ,',- 110t lator IhM 31 daya lollpwlng tho oonveralon datol proaldant, Ur-I.,3611 11/117 ~\( , " ,. " , rnMMONWPA\,T\1 \'1 "PNNQY~VANI" ' ) Hf;lIJflNTOI " ", ,......,-" r~\II!1V\'Ir.\iMIl~\lANl>', aft fI" N~RI{:AN IIP"6'IPJiNTIAI,, MO,r.T Il,A \I~ lJ, ~RPllRATI!lN(I.l1nll't!l,IIr.ln\lI~f'I\PPPHI9r,eIQI\Pr"~y , A ,A~ I PPflN I A PPIlPIlRAT, n '" .1111 Y 1I\lIl\l\p IQrQ9111nu IU If1lil ~,,~ :.'1 ftKlPPAllK PIK~ IftT F .nnR ...' , Vll~IP(jll,YPPPllll'Wtf, ,In~' ,'_ 1l\,1J1l P"" I ~A ' 10\ .... -VPI"..:q.~ ,"PflQP . l'l'" I, , ' " ~ . ~Jlb\1IU my hrl'~ III/ ~I "plI \If ' M~:I"II'~~ ,IIRallltalrl^~:oHOII,~'<l^PR nP1l11o,11M"Otl ~p ~ ":~;.:.'''JI'LJ', , '" I1I'Ho ^', Hm'AII ^"P PRIIIIlR ft, l,follHMf ~r,~:mf.l1bU!Of1 ~r.lil;~~ " P^~'~l l'IIK"^I'foP' llll o/~o Iy K' ~ 'i' c..:,. ,u-. ' '"t~ ,\..L!..) V,1, '" d\ ,.,,~ ~ . . :::r.- t,ltKi\I~!1~~'tSl' 'J,1' " .";=, , '-,"J I:r-, ' , ~It "\In~m .~.",: . -"tQL~_-:-- \'.A.' 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'P m1nllvu W'~~ 1119h~v"fll\lr .11~ .19h,v~f1V. llnllt'fll1nllr. ~h" <',A,") hll~ t,Cl II pll1n~1 ~r,.ngll Nllr~h 10 ~1I~rCl'" ~u ~lll,n, llWII hundrllf .: '1"~v~gn. (a~')f..~ 10 . pill' n n. ~n.p nowq~"" ~" A,g~n~ QQn.~r~~~1oh QompanVI .ng. long. 1. 1~nd, N~r~h 'Q ~.gr\ll'" U m1nll~" III", I1QH V~f1VI .nd 'WI! ~M~h. (~~, a) fnf ~Cl . PQII1U' ~hIlnlll po 1/11 rll . " m1n\l~Il. 'UIl, IlwQ.hllndr.d' .iH~V"l!n' (a'1) f.. 110 \II pq ~ ~h. nor~h.rn 11n, 9f N1Hon .' Pr1vI, ll~~, ~'.~f ~~~INNI!NO. , ", ".. " ,.. , , /, '.. " "',' , ' , , , , " , , , , , , . " ., I , .< ;1 1/ " t I "',',, , ~. I -, '" " " I , .I " , , .' ,,, " I ','~' ,'\,,, , '" " 'jl" ,:," , , "fl' ,....,., , , I\If I r tl O\1I10~ IWrQ 1111110 10 Aflflllonllnn 1I1l\\ln 101 IJNIV~n~Ah hlFI! AI1~hIQATIQN 1I,6l1Pplomol\lol Appllllllllul\l gl\lg FAMII,Y I,IFf, 1=1 All APflllpfH1111 OrlQlllllllno\lroll '~AIHIII ' l'olloYNllmhor ----....,IN~UI\AN~g,c:QMPANY 1:1 ,)lIvonllll (Anna 0,141 PART I ..... Uoo IJlqo~ In~ UI\IV, I!lill!" flAIlluan " - AIII'nro.rla AII.-lylll\II'or Coy.rilup' - :--- 'liEfAflTiiilii1W '--1 A-rl"-ll:'. iifAiF'" ,..- -'-~'--;;-"-"._---"'----"'-'''---'---'--'' - , ,,". ", .."":.2.!....-"- III'X III "llln'OOI'll I ,(' Ill' 11I11, Wll1. IIAMI' Mill Alllllll,lIl1lll' "liIIIlIlllA\. 1'1I\,1l11l1AI1 "'C . 1".,.J:l!1LI!bJI~lY111 N""-W _J!illllltL ..._~I\I~.I\~ .QIU~!'lDl"'H --" -'--'r""-V''''\jf~:;i~lr\.\-r''''''''-'':'''''--' .w.Mli>....I.1..,...,.,:J..........;J..".........: '''" !'1!'i~,~!I!,!!I!i}IIi.II! ..l~. ,7. ~.. .Jq""'~'I' .\~S: '"l?l.,."Hnf.,~..I1'\T "..J.'9.\J~n""..,;:"';:....,, .. ..P.lf.tI.I~~......,,~~,Ht11A................... ,r... .".}!~V,O,!.....,$.ln. (() ..m,,,II..'IP... ..\~.?.. ....."...~Il\\'ll(],.'..l~fL:rv.Il:1"..,\\A.."...."".,.....,.......,...., I .. . ..... ....,.......,.....,........................,..",,,p.... ...... ..,''':''.... ""00' .........,....... .......". ..,'.' "... .......... ...................I.......~.......,.,..,.....",..,.,......."."............""11'''' "..,..... ...~...... ....~....."............... ..........,..... ;..... ... .......,........ ........", '\'" ... ....11- "........ . ........' ... ........"...,. ...It".... ...., ,.j .....", ,...,.., \.., ,... '" .,.... .....,... ""!" ,. , - - , , ........................1........."...................,...... ...........................,................ ..,....,.."..,................,..................................,..........,..,............!'........!............;".. ---- -...----.----.- 1, A~~rOftQ .......,..f.I.lf;kwr........,~\.i.)(gr.\..,..2~,...."...........,........,' , ......m~.!!.n,.. R.\1i,~.~~,. . ......:.........,rt.....,.... ..,...........,Q~~&~ ~-'" ..._-~ ..- :11, HoWlqJ\Q IIl.1hl,a l\~droaa1 ,Z,.~tl~.PravIDlIa AftdroQa If laaa ..\, '"." ',"\\ulj'/:::';'Q'\:'l'" ,'f1'" d., , 'I' ' 111111'1,11 YOllrp;":.:,.Il-l""'I,.I~L~Ji.........;w:I,~...:.._............._..~,......_. '\,,' "I '~'I\ r.", "" \'"1 d. ..,......~,!(!m.l~~.~.~":....\.~^..........:.......f.I?.la.,._............. . "'. ". 'I' 1\'" . l& . -"11 ....,~ '.< .'r--, It ,.. -., i ee ll..,~m IlIP,'V qr"o",N,'~~ & ,gclroQQ_..~__, tL ~t\.. _._......... :;\ \. 'ill' ;.' ./, ..~,.:~, t\",oJ\' ~".I.l..I~' "'n/ L -', . ',. -, . ' i:l:h,-'i-.,;.f. '\'Il~" ' -(,. \ ~e 'j" . e. . I .r_._ t1ill.L.,_.._._...Q,f&.d.I~......_..._.. ::4, O~O\1P~II\~~";:'::O\~\t':',' ~._,. How lon'01..j.~~~_.. 'r':, (P'~~'~d~~'~UII~'a)I);' ii."C ~.I!..:\::~fu_n.n~~. 1'r':',".(,^"',f';''1{'I.,U'i.wi\! ..',I',',.....r 'I.- ':,' , " '",' , '0 };,\:.- ",."{\/-', ,,~'~\,"i~!'.'::-_\ 'n~',;\',.'.. - ______..____...._.__ :a. '!'le~rl~rQml\1lriNbl q~ t~HomQ. ,Q Pualnoaa I " . ,',0. Propo8o~lnQ\lr:o~ 11lt,11'~Mnrrlod, Q IIIn910 ,,' i; 7. I'IpolAr lIoollrllyNumlll)r...:;JS.\......Q1.!:..~.~Jtt._.~--'.;..-'-. II, Will thlQ polloy rOPlllo, o,lnaUrnno'l ~III orlY oompany? '. , .' Q Yoa ,.Illi No , , , (Il'Yooll Qomplato opproprlalo toplooomantforma In eluplloalo Ilnel moll 0110 QOpy to H,O,) , " ~, 1..110 Inallronoo l\oW OWl1ocll , ")omPRIW Amollnl Yoo~f IRQ1IO "t. ,~ . - :; .....:2:h-l. .......\:Cl'l:O'1.........._....,,:,.:?/.M....,.............. .J~.'D.\. .....u...............__n..;.....__~...._.....,........ ...................._....... '" ............... ....H................................................................................................... ,I ,. .. ....... .-.. "1~'"'''''''' .................... ..... ~.".. . ,.".........., . ... t...".... ., . . ., ."....... ...".. " /l1ll1l1l'lImoul1l 10, BOl1ofllllAppllad for: ;'U3 ' Boolo pooth 110110flll ~P\lOI1A 'OOPllol111 ...................... Cl Addlllonol Tormll1ouranoa P Aooldontnl POQtll BOlla fit (Aooa 6.00)" P QlIoronload InourabllltyOpllon (Anoa 0.37) ,.................... Cl WIlIVot or l'romlllm (Aoos 16.66)' ,Cl Spollao'Ohlldroll Torm In8111nl100 8.phlldl"on'o Tarm Inauranco A Otllor Inourad Torm 1116U181100 ~ ')'y ,Nom~ , Ooo,\lpolllll1' AmQlI111 '" ", j). ..B!I.,u~.....\.~,l\.m.~,\').....,A~~r.,...tr,.I',:............n"wJt ! '....., .......~,... ....................... .j.., - "...................,,,...,,..,.... ....... ..... '... , ...................... .................1..... 11, . iirlmal)' IIp/1Q\lolnry :'1- liolnilollRlilp ~,'~' I' r' ~.lJ~'lln~h~~lt1)~'~~~a~II;I~f\OIiIP '~.. NOT'" Tho f'ropolloellnalllocJ III Iho f'rlmnry pal\oflo'alY for!ili IlllnofltQ on olhllr poraol\a QovaroelllY \l1la polloYI ant' Iho InloroQta of tho honoflolmloa l1amocl ollova Arf' altllor~lnAlotl aooprdln'qlY, HaQ ony porpo~:,pI.9r.,?P~~ ,~\lr:'f)altrQnOOI , " " '. yo" N' 1n, aVortPooIV~"m"pij"lly'llenOfllQ or tiaon elodllflPtl 1:1)1 lor Il1altrlln 'o:iPr;:PIf~{O~ ',I( policy with An oxlro ' , prOl11lUIll oh r~07Jd~t.h#~IJj,i"\:."~\'.\ '., ',' 13, FlOWn oa' pilot RCJ1'liiw womllorWllhln poat B yoma1 (:J! 11' Hlld ItllP\r.:,9!iy.~rp.,'(lIP9tlp,',,;'mV~~acl 0, r,allllpOl1dpel ,. (:J~" "wltl1ln Iho PAal.,~,~litli?;.\;I-'li'.." :' I \.., 1n,' PArtial, PQlodJnl,:A!t\p"~~~\l)g,, !1:1~lprOYolo roolno, ,aky, p ~ , ,ellvlno at oklf1,al~IOII~WltlllnilhP pool 3 yoor"? PIITAI~BI (QUosllona1~'1dl!iJ, ,'1.""~-".::.:.:.-.___, . ,~;~., ..'a ~.':lt ,'~;\~d J.;, ~,'. , .. . ,. , ~,.'.'" ;, ~iI\'kJ".}._\'.'r':\-.' ...---.----..-'11 JUVaNIt.a APPI.IOATIONB ONI.Y'(AoQO 0'14) " 10, II, 10 ovory ohlld propoaod for oOVOlAllO 1t1 OOUI\U I100Ilh1',,,",,,,,.';,:,\ -',il,., , h. Ooaa any ohllrl hAVO ollnprmAI hoarll1o or 0101l1? 0, POOB any ohllll hovo 1\ montl\l or plwalooldOfaol or claformltY1, ' , " el, Hoa any ohlld had modllllll allVloo or lroalmoht., In tllo loot II yoora1 0, Haa any ohlld haon doollnod for Iflsuronoo or, 0 offorad 11 polloy With Iln extra promlllln ollorga? PUTAI~B, Nalurp ot Allmont OolbsNlI/1I0 & Addlo, Allcl Troolmont Promffo 01 Phyolola" ................~.-.-.........__._~.__._..._...._....-.......-....,....-........ ---~_....--....T...;'.-._.__.....-...._. .""".,.,.,....".,...,. UIllla ._._._..............___......__..._.,...................,.......,..".....""........., .."....,........,,,.......Unlla ' 17, GpoolollflOlrUbllol\a/ .............................................." ."........"...........',,,......... , .............................................. ...........,.....,.,...-.......".. If 1l11Y "Oll1or ItlBUtod" 10 I1plllalod al 111010110111110 applloa\lol1, oOlnlllol~, 0 aallnrala aUPplOlnolllal Alllll1onllol1. 'May bo oddod Iu /IIYIl"!lo IlOil%s III hOlllllnllllllllllllva whOh 1IIII1lrnUII1 01111 IB ollolno", "/.....,., I ,- '" ~., I~" 1.", r'f, , PLAINTIFF'S EXtil8lT /)~ rg ,? " ,,' OIl:- ' I ., '-..1 ',.1' , ' v In ' "/2-(('0"" .7'-.", .. '~~ Unloao roquootecJ Inlloln 17 uboyo, n mll1llt f 1't;POQOd lnollr . will oBoUn\iJ Ilolloy ownotahllllll 000 10, '10, l'aY,"ol1ll'lal1 IJ A/1IlUlll lJ SOlnl.Anl1uul , IJ ClUlI/lotiy ~Mol1tll " Il f'1hnk'"ln",. IA""nh Alilhnrl7,allnlll G O\l1at ..I....'"...... ' ,,' I,.. , , , lI,fl mo\llofll lI~omlnflllpn lu nol \ll1lop flrrflnpOI!, oomplolll \1* poolloo fpl nil flppllotinlo 11(111 11\ nrpyor,ll ony,) " m'IIP 1~, 10 \l1~ PII", P YOllm, \10U pny porUnn rrpPIIUorf Ipr IIWlr~noo ovm lIuprll , II.. \)flt\II\\lOloul' uurlll\lvpu III lll1nqlllll~lIru williI'll I fl mUllloPI PfllMflpllon? .", """"'," , , . """"" """" PI-J f ,'," p\ \..5,p'l m~t1H1Rnn pr oUmr ctrUOQ? , ~ ' I . I , 1 , , I l ' , I , , . I , , , , . I , 1 , , I' !', 'I It' , . '" ' I I , , I , I ! , , I " .1', ;. i' '. , " I , . I , , ! .' . 2(1, I'\po qnyonu propouprf lor Inp\lfllnop oVor \)oon \rolllorl for 111001101111111 01 IIr II (I 11111111'/ "",.""""".,.. 1 ,I , , ' ,'IJ -, ,21, poop pIWPI10 propouPrf IplIl1Ollrol1oo 11{lVO 0 InlnllY 1110101)' 01 holln rlluulIuu, 1lllIllo\uu 01 mUI\lplllll1uun?" "'" ",,)( " 2?, '1'llIu IInypnu prppooorllpr Inu\lronoo uvur Iwll or 110011 IPlrlll1uy 110111 II, IlIlollnp opollur ulrokfl, ppllnpuy, mun1Cllll1nllHu or OilY rlluonsu or IlIuonlur of 1110 !Hnln or 1\\lIVo\lU nynlol11? "'" PI; ~,,' p, nl1Y IlIs,IIIIUO or Illuo,[rlor 01 1110 \\1I10U, III om/loll, 1111ouIII1001 IIvor, klrlnoyu, \llumlu"or l'loml'/ , , , . 1 , , , , , , , . ! , , , , , , -l)( o. 111011 Illpoel prollulllOI ol1Uo\ poln, rl10411111110 lovllr, houri mlllmul or nl1Y elluouuu or rlluorejur 01 1110 hourI m olroulll\pry pye\pm'1,! I , I , I 'I I t'i , I , , , , 'I! 1,\ \.I , . ; I , ,', . I 1 " ! n I I , , , , I , I , I I I I , II II I , I , '1 , I I I , I I I , . I ! . , rl " .B'" .tl,...,.. I: , II. r"tiPlllou or o\IOllr, IIl1mmln or \)Ipollln Il1u IHlno?, . , . . '" , , . . , , , 1 , . . , . , , , . , , , , , , . 1 , , , , , , , , " ,. , " , , 1 . , , " 'p ~~ ,0, ,(lnY .111001100 pr IlIuor\lol 01 1110 ll{lok, hOl1on,jolnlu or m\luolou?""..""" ". ',""" . , .."", ,;""."", PI' tic, o{mo~rl tltmcHdt!oor or yonoroAl cUaoRoo?, " l I!' i"., I!' 1'1' 11' t' I ,,, I ~""!' 11'1 I I I '" "'" I" I 1'1'(1; 11 lJ l p~ ~ny ImpAlrman\n of hp~rlno qr alalH7 'II"! I" I 11'1' I I '" 1 1'1 "1 "" III' 1'1 r. 1"" l' I . '1'111'" 1\" 11'11 t:I ' . h, Aoq\lllorl Imrnllnn poflolonoy Bymlrornll'(AIPS) or AlPS Aolplorl Oomplox (ARD)? ""., , ! ' , , .. " , ',' , , , , " , , , , P au, 10 MY purnoh propoooel for InollrpnoO no\'! proonpnl? (I:xpuolorl pollvorv Plllo ~-_~_ ,) "I' ", IJ q , . ~4, pona PI1Y porool1 propolloll fpr Inu\llOl1oo now hpvo nny Illuonlln or IlIoordol m 1lI0 I!lOY rooolvln\l Ironlmnn\ or tnklno moulOQUon1,1 I j ! , ,'\ I "~I II' ,', , I , , I' ! I I ,,', , 1 II I . ~ II , I , , I' , , , I , , I ~ I I I. , \ ',1 I , I I , II , , . , \I , \ I., I I ,'; II \ I! ;i(D lnA' " . q'~~,," ~~, Hpo nny poroon prppouocl fpr InllllrPnoo omokOd ol\lllro\\ollln tho Pllol 1~ monlho?,."",.,."""""",." '" ~6, Hnu IIny poroon proposOrl for Inallrnnoo 1001 wol\lhl In Iho pnM YOllr? (II "YolI," how rnllny pO\lmlu? ) , n. HIID IIny poraon propoood fOf Ins\lrllnoO poon hoopllpll~orl or hlld morllolll Irolllmon! or ~I\~ or olhor. r-1 ,\n...I, " CHflonoatlp toatlng In tho 1~8\,a yaata? I I I , , I , , , I , 1 I , I I ! II; II' , 1111 , . 1'1,1' , , . I ,'" I I , I \ . I , I I1II , , I I 1'1 j'l! \, II H n, P~TA'~61 (Oomplo\o 101 oooh pI QuollllolIlI 1o,A7 onllworo~ "VOII"I \180 oll\lIIlonol popor,lll1oonooOlY,) --- Nil f~n .. NAM~ PF r~n80t;', -'MrAIRM~IIT J8Mlt Flr~~tO. <<~O~V~~V? NAM~ AIIP'APon~88 OF, rIlY~IO',AN ...Q.T.~\.. -~'i'''''''''''''''' ..~~ \~Qr4- _f!L1Ill: . ..l\i~~J . _!:em' _...............:..... _.._. ......,....._,,_._...... ',,-":::" ,i ...6t~!~:~i...h.;.-.,.-... _. 1l\\.~:LY) ~ _.......:.... ____.__._ .._...__ .lJ.~~~1\.~..I{!l~\i_.~_, ' _""_, ~_""'_',_" _ "4I\\!}-.!!.re...I",,.\\l~...... .~:rnb\L .__ ____...__.__ ._.. '...__.....................:..............._._.._.._...__......._. "l~:...........~...I'.~--.._...__. ~-7~-- --...---. --.--.--- ----.,. ......~~..._.....__._.............._____.._.___.____ ".--..t.:....-.......-.............. .._....._-_.~ __.......... --....__...__ -:;'_~...___. '......n.:_.._............_....~_._......____._._~.-- " I r100lnre Ihn\ I hllVo rOAtl enrlllnrlorsloorllllllho ollllomonlo shown alJOVo onll on tho front 01 Iho I1ppllopllal1, Ihnl thoy IIta IruII nnr1 oomplolelo Iho posl of my knowlor1011 nnrl oorroolly roool(lorl, " .. . slonotl at ...:........, :","~'..<!b'.~~~~."-"._:_.m.."."".JA,~"... - ""ml1;1J.'" '1!?",. I, ~I~.~wiil:e"';;"".~""'~T"'""".:.".- (j;l".~.,,~ ~,.;J;:ir''''''''''''7--' M~NT'S n~l'onTI I: " Ilirtiiih'ii.r;i1i'PN.?,Y.\tl~t(,$...,;.r~.W,(.\,(l:fr.~.....Agli.g,:~/tili~iiiirfliiiiiij........".................................~...................,..............~ia'n7Mi~Jiit;..... , ,. .., 1. How lono nnll how Wolll1nvo ;;~U known JlloIIOnOlllnnl1l11do'I...........J.............Yonln 1:1 WIlli .P.i( 611nhlly tl Noll<noWh ~tl Ilu!nllvo U,To tl10 boM 01 YOIII knol'ilodoo onlllor IInllolnlonllll1l1, wlllll1ln polloy, 1110011011, loplono nl1Y oxlnllilll llOVOIOOO? tl Voa ,No 3, Ato YOII nWlllo 01 nnylhlnn Il1nl 011111111010 tho JlI()JlO~"lllnOlllodn lony not \10 qllllllllolllnr thin IIolloy?" 0. Vas ' No j , .. .. . " 4, ~'~"v~'t; '~;i'l;',;i; i ;;i;' i;;';';;';;;~';I'I'~ ~i '~~~'j;\'I,;;;ii~i;? ",... ',".o"y ;;~' ',"'" 'X'N'~"" ,.. "ii' ',';;;~'ti;;;' i;;' i j;~. ;;;'~'r;;' '~i i i;' '~;., '" ,..ti..p~;ri;;;;;;li~..:......6..rl;y~i~.li;j; " I ~ . . , , ... I" " , \11 P,I41P\lhi~1 o~prnlnqllol1' In I1olllolno mrMo~e', onrnplQ\1l \l111i oeo,llon for ~II Opplloel1lo nno 1~ Ill' ovor,lI pny,) , 10, 111 \hll p~ol fi'yenlollHlu Ill1y ilorUlll1 propouolllnr 1111111rfH\1111 Ilvor lIullIl: , 0, Ilmhllllnlell, Ilotlollvnu or IrnlHilllll~llro wlllle\ll n mOlllo!\1 prooorlpl1nn? """"'" , , , , , , , , , , , , , , ' , , , , , , , , , , , p J8( / II, 1..!l,P" 1111Hllllopo or pili Or 'ItIlIOo? , . , , , , , ' , . , , , . , , , , , " , . , , , , , , ," , ,,';, ' , , , ' , , , ' . , , , " , ,", , , ,', , , , , , , . , . , , ,. 1:1 r)c , , ~o, 1100 nnYOl1o IHIlPPoO,! lor hlOll[AI100 ovor Ilool1 Iroololl for Aloohollom or Ilrll\lllIIllll? """""""""",."", n '-" " :q, nOllo Anyol1o p'rol1l1l1oll for 1I111\1ronllohAVo 0 family hlolory ol'hoarl ,lIooono,lllnllolon or mOIl\lIlll1l1ono?,."""" ,jr, L ' a~, Hon nllyol1o prpl1ll1loll leiI' II1Allrm1PII.Ovor /Inll or Iloon \olelllloy hlllll " ", .. 0, Inlnlln(lllpollll, nllollOI opllopny, mnl1lolll1l1ello or oilY IIII\OOSO or 11I1111relor ollho IlUIl1I 01 110lVOIIU sYlllom?, " !! , {J P-f. II, ,OIlY r!\~nooo qr, ellnorllnr olll,~ .hlllool nlomoolll 111100110001 IIvor, klclnoyu, nl1l11lls or Illllllll?,. , , , , , . , . , , . , ,,' ,', , , P,)2(, 0, hloh Illoed PleUn\lIol 011001 polnl rh!IIIlTlollo 10vor,.ll.Ull(.Llru!llnll or ony ellullnoo 01 llloorllllr pi 1110 hoorl 01 .." olro\tlftlor\' flyutum7, , I , , It' 1 ; , , , , , I , '.'.' , , , t \ , , , 't , ,.:, , I , , , , , . , , , , , . . I , , , , , , , , , , , , '.1 . I I , , , , I , , t ',', ' , , , I ,'~ ,0 II" rllOllOIOQ",O,rolln, nr,'o Ih!lrnln or hIOQ,IIlI,',IIH1 1111110,? "'.',, , ',""'" ,'"" ',."""" ''',',' """ "'''""""" ,. 'P, ,i(~" 0, Ilny 111001100 or ellqQrelor 01 1110 IllIQkl !1PI100, loh110 or mllooleo? , , , , " , ,,', , , , , , , , , , ., , , , , . , , , , , , , , , , , , , , " , p . II OJmoor, tumor,' \llnar or VOnOra"! clluo(1oo? I I ~ , , , , I I I ,'; tIt' , ~ ! . . , ,'" , I It,' , , , , , , , , , , , , , 1,1' , , , , 'I t , It' 1 , , I I P utuny IInpnlrmonls-of h(lmlno or flltl'''? t t'" t t 1\ ~'" 'I"" ,..",.. \'" It., tit' ";, I""" 'I'" 'II; \"'" \', P ~ 1\, Anqlllrnrllml11l1no Poflolonoy Bync1rQIllo (AIPSI or AIP!'1 1101010<1 OPl11plox (ARO)? .""""" , , . , , ,';, " , " , , , , p ~ . p,a",ls' OilY porool1 Plopoooll lor 111011rnnoo 110W pr1l0110111? (l1xpoolod Dollvory polo _'--_, ,,__ ) , , , , , "p P P,4, pooq OilY porool1, propos,ocl, for Inollrllnoo 110W hnvo nl1Y 1ll00llSO Qr (lIoQulor or 010 1I10Y roqolvl,no I(flol1l10111 ,PI' ,: ",v" l"klno Incuflfln1lon? , " , I ',' '.' ~ I I , , , , , I , , \ \ I' I I , , , "~I , , , , I , ~ , I I I I , t' , , , , . . , t . . , , , . , '1'1' , I , , I I I , , I , It' t , I' ~~.., p.~, Hop ooy pO"roP,,',l propoooII,,,r II1Ullrnl100 oll,ol\oll olOArollon In 1110 PoOl la ,I11Cll11ho7 , " ',"""""""" "" "'" rl':"l [:J..;,.. au, 1'1110 ony [101'0.011 [lIQPQu6'cllpl Intlllrt\l1oo 1001 wolohlln Iho pnol yom? (II "YlIO," how mOI1Y flo!ll1lln? ) 'p .~ a7. 1'100 OilY peir~oo prOPQooc! for II1nllr0l100 \l0011 I1Qopllnll~o<l Qr h011 ,1l1oc1lonllroO\Il1onl Qr ~I\Q Qr QlhOl, ~,lnQn~lJl\lO 16'a\l110 In tho IAot fl YO[Ho? H , , , I I , , , , I ; , , I , I I I t I I I I . , , , , , I , " , , , , . ., , , , i , ',\ ! , , I tIt I , , I I I t t I , " p ~ PftTAI~al (OOl\1plOlo lor oooh of q,loollollo 1u,P,7 ol1oWorod "Yoo"I 1100 DI/dltlonol!'o!'or, II noooBBoIY,) .~ ---...........------- . II^M~UF'r~nOOIl IMPAIIIM~IIT j;~~~ F~~~~to R~O~~~Wl .,' " IIMI~ AND ADlln~OB OF I'llVolOIAII . ",(,r.fN~.""_,,,,,,,,,,,,,:~,,,, ..~r.-~L~'~ll~e.~ .:j~\\.lnL . J\i~\l1Q_(.' .\7..:m\' ..........,',-..........\:(...i~..._._...,.....,..,..__.-.,-:'--..cc___.. .' ...!:ttlAl. ........................ )j((\.\:I....1tt'l\1r.I!!:(, _....__, _..__....__... ,_........... .L.\i:\\Q'I\.~,..,...p.~.\.._......._......___._._..____..__,_ ..C\:l4~.. \1!\...~."i~.... ... ,:I:lXl..~n:llt\\f!._ _,..__, __..._..:....._..._ __......... ,..,.............:......."........."...._.......__,_....__....___~_ " ,- ,. < .".,......~1~....'..;...',............. ................-.......-........,;.' ---..... ...........-.....---..... .-........,.... ,..~................................._........u...._..._.__..-....7..-.....- '....1"....'..."....,.......,....... ............_..._n.._.~..... .~........_. ..._.............._..... ___.....,... ,............,...'..,.,.,.,........~.....,..~.--...__.___.,...._....... v~o liP l'doUloro IhQII hQVO lood 01111 III1c1orolQorj olllhQ 8101011101110 ohoWI1 QllOVa and Qn tho IrQIlI 011110 0[1111100\1011, Ihollhoy Qro truo'and " oomplolo IQ Iho 11001 Qf my kn.pwlecloo 011c1 OQrlao\ly ruoorclOll, ", ,,' , , BI0l1ol1 ot"...",.."""".,..,,...M.~.0.Jp.Bm~.~~ ........,.".,.....,........ ......,:......,,,,,,,,,,..,,,... lilii" t".,. ,..,.... x"',,,, M~..".!J",,,,J..(. "'~1''''' ..... .....;".., ...{I.1J71/J'~IL." , ' ul(JIIOlllto 0 A(Jot1 , ,~'~M'I Yiltl110' OBlo......n..7JJ:.::.~~....... "QUilT'S IIUI'OIlTi "X "'"'E''' ,.. ........'..'(jlii;in'iijiii.iil'ii'~Viii,iiil;llliiiiiiii:..'.....................,...... , J I~ t.;(.1 :J' 'rd (.. - '7' .' ._ ~.~..."'"..".. ,~~:\~i!i!~lll;~~~~~ 1i6l.1i?~fff&uf~.....".....,...".,. ,,-------. 1"""'''''"1,/'0 N.?.~ml~II"",..J:~,!f.IY.\.(l:~!;;.....!,l.(l.I.\r.&:yl'li,"l"..,....,'..,,...........,"",.....,....,...,.."..', I '/oB.O ,. IiTI llol1oy "01110 . , '...n...................".... .......111i /1..'1/!..'SI1..'........ (Jol1l l-Tiltl1l0, , l. How 1011(Jl1l1d how Willi hovo ;~It kl1oWI1!'tol,ollo" 1110.11I0"0'1 .....",...L......""V"nfO, [) Wrll~(lII1UhIlY t1 NollllloW!1 -2-.IlolollVO 2, to Iho 111101 01 vllur ktlllWlodgo MIllar IlIlllOfOlotldlnOI Will Ihlu l'olloV, II10BUIIII, ,npl,,"o OI1V 0"0111111 oOYOfno,,? 0 YOB .~ .No iI, AI~ vou OW?'O 01 ""vlhltlU Ihut uUUllohln Iho,I',o!'"nod lunlllOdB 100V not 110 !1uolllllld Illl 11110. I",lloy? 0 VOB )( No ~, ^;'~"y~;;'~; ;'~;;~;ii;ii' i;;';;;';;;';'di,;~i' ~~'~'fl;'1 ;;~ii~;;?'''''''' ',i:i 'v~~':" '.. )i(N'd' "...,.. i i' ',;y;;~;;;' i~ ',i;,;. ~~nll1' ~i! I;'~;"'"'' 'O"i;~;~h;~';il~'''''''' a- "I;',;y~i~ij(j; , 1-" " " " (717)7fiM(\J, FI\~17fi3;"95" ^"!l1181 1612000 l)\lll180 Wllaon !J12NIXoIIPI' MO\l\1nnIPHhln'g, l'A 1705? (,"9C(-Yt.-!S, -e, ()fJ/(". , .; , ,'" 2b 181'I(C~ " Pe.pFl' , 'I \..SPt:r-/'t.I,}L.G~{.:l~ " u.J , U SUI)JUOT: [,1/\3 lilS\I\'lltl\lO PolI\3): H 17- P7 P~\II' p011160: I~ooonlly yon OXpl'\lHSOell1n 111101'0Slln/1n\'\11!lIl\O $72,()()O 1I1111'P1'Hnllll~ InH\ll'i\nOO polio)" ,vrlllon III YllIlllx.\1I1Rhnn1I's nnnw OllI1V\lI'lllcl nlll )'onl' nnnw, Pn Ihnl po lip)' thol'\lls nlHOII l\lrm' \1HIII1'ml\lo 1'1\\01' Jp\, $72,{)O() III )'0111' nnl11O. U\lPl1\IIl\l Iho pnUIl;i \l'illl orhlhiilll)' wrlllon III his 1111\110 \\,0 Ilnnnllte,\o n 10lnlllllli\'OI'Rlon Inlo')'ll\1r I1nl1w rPllnl'llloRs Ill' who IlHlc1\l Iho PI1)'1110lllll, " " ,. .. , ;"1'1 , , Whnl W\lolll\ c1o, \1owovol', Is OOI1VOI'I Iho $72,000 I'lrlor 11110 )'0111' own polio)', In orrlol' 10 rlo IhlswcwPlllcl,noocl 10 11110111 n 11011' nl1pllont!on nml!lIRo hn\'ll Crul!! Hlgl1llo\1nl1go John Ip IIIH pollOj" (rolllo\',lng)'o\1uH n r\lllJl'), 1\11)' oush vnlllll Ihnl hUH nool'IIpd Il1slllo Iho olll'l'onl po\loy will ronlll n In Cmlg'a polio}' \1l1loHH Iho IWll of)'PII nllroo Olhol'wIHP., Irel'i\lg c1IlPH u!lroo 1\1 glvo )'1l\1 \hp hulllllPO oflhp onah VI1I\Io.ln hlH polio)' )'011 oOllld'uppl)' It 10 )'0111' IIIlW polio\', Huwovor,lhls , wo\llel oUIIRO hill polio)' 10 Inl'Ro, 'I'hol'olol'o, YPIl Inn)' wish 10 wlll'k 0111 HPIl10 ollwl' Iypo of IIrrmll.\lll1lOlll, . " Plolls\! oCllltilol 111)' omoo 11')'0\1 WO\lld 1'11;1' III prClooodwllh I11l1klng thl'soohllllllos, I look fOI'Wllnl tn hCIIl'lnll Jrnll1 )'011, " \.'" Ilrlo D. PIIIl'lok I' F 00, Crill!! 1\. Luhl1l1\1\ " O~' ~ ~'~ I ,"": ." I ,~ 'oJ rr" ,,~lJ ( ')lAINTlFF'S EXHIBIT 1,'- C(-()u "")/2!:. ~,FlIF FAMI~ Y hlFF IN13WRANQt: OPMPANY M,",~' ,: ~'Iw \11\ml!11" Qf\\JP' '" ' H~11\t Pillet I 1[1:1, ,~,,, I~ l'I~ca . I!I\~, PI'f\l1IY~ 1~ , " ADPR~ QH^NQ~ CIllmpl,t. (Qr _Q'lfI1"!O (l/lqnv" fJIIly, P~/V1~/! PflINT' ~ ~!IIl (l!'j'nll!l",~ l1I'P'wnltl' Ilf'iillll~~ ~r "'~~ " /~ " 1\Ii~,""' Q/1f1i'9a ~pp"" I~ qUIPr \lAm F~MI~Y WFP pnllpl,~, II~' poliO'( I1I"n~'" '''~I " " ,- NAMJi QHANQI:(I PofflPI!ltf! pnlyfllf'<< n~~ 'lIMn~o, ~ ~ ~.. for fI' ol/ll/lfl' III ,,/14lffItI' Own-/'IIhlp "fflI~1fII/I1If.J fll<t<t l/lalr\fqtlp".) PL/V1~14 PRINT " " ' ~ ~ '111 ' P I".q~ P QW""t P OIwor/ld P.pancj,", 0111111119 (J Payor ~~ttoml' III n.."", '"' 0I0anII0I1 .1,. " PAY ",one OHANQj:!; 01",,, paym.~t moct'\1l1 P""nulIl CJll<Iml....MII'" PQu,,",~y PMo"lI1lv CJ Ohek-nUlClQ (81. !""Iruc1IPI1" tJ Olll"r o ~1I1111 U~ plWlflf<l p~mlum 10, II fl'I\Il(l(lCja phlnQll iI!lpll.,.,o alh~r lilt. F!iIllIly ~11'lI pollej.... In<llatt. pqllqy 111"'!111f,.. II.,.., " --- QORREO'TDATJ; (IF ttlRn11 ~ Dal. of nl,ith 101, , ~"III \lily y"", PI'OQI ?,I atl,' ot blnh m\llll bt tUbmllltld, MaoPIIlhlil PlIlllt I~ M POllY al,~, bl~h o.ttl.flantp, b..,tlemal M~lfloBlI11 pr IIlW'n'. IIplll1", . 'ihi' '" I' . ' , .,,,, ".. " '''I'',. ", "'ll""'~"'" .t'''"., ~ '\ M"'~ ,,~ ,,, '.., l,j',W' ..'f..,;, l'iv~,:1 "~ll,~:,"P~'F.. :",'\'1\' .l,,\ ,....'12ir~1 ~,.,!~lf:_,'t~Jl~Jl.~~,\~."j~2J..'~J:.~r;.'.,.~!I'I.i,...'r\~."::.'rl'} t. I'll I'st~l "'Rit"iI~/llr,~~=~'ll ffli"^""*"~""'\",;..ofl~_~(~~~IMil;; ,.01,'1,1':,':\" ,"U', \, i:<, . ,j.'.,.... "~ "I J!,of::.l~:,,:.J"". ' ilH..~. ,.., ...,.....1 "'II"\I.~1 f -'~"'!~j) 1"'~.,~( ""\''''1'''-' ",t~',.:'~1,I!,j"rt,\I.!:.)" I ' "11 . "~r, Wlf' ~ .~" r,~J \ .1'l',! ""0""" 'i;J"I!\,',' "~-I I' ;'t'~lll. '., :.J.~~&'''l\I..,~'~~~'l'rt, if1:)\'I.: ~Yj~,I:,'1I"'~.~.I",:",: 'I:"l,/,,~.',~.~ . ,1~ttrr"~.\':, .,.t,:" :";~"'1"'",~,:.I:J'i." :~: 1,",.1h~;'la',:~'iitt~~r' ii "....'~', ,~'''l--7;r.-:'f'Tr~,1'' 'II, "I :', (1.,.1, ,':' I.." ' .' "..."lllrliWili;;j"'ll1;tj\taiiJ':WoI."'~\O........,. r'r,', ~Ii '''~,'''\II~ 1:1':, ....,'...-......:.LOJ~w...n~~-~a:i.......~l.ltJitftle,~,1n4: " II, ".' " It; .r,'.:.":i;'l1h" #1. ~\. ':0,;/' 'I. ~ ,~'.' ~,J.'.w~:I,,,, I'~' i,.,#~'~l :ii~jll~' .;t\o:l~ f ""~'""~.-''''''''''''~i,r_, "':"" r.........:'"""". ' , " / Cll!!t', t.!;, , I. 1 ,.\, ',', ", . 'I. I ...:_':.'....1u-....:;. . 1\" 'I, L........I.'~',....:...'..~'. '.;,1,1 ~ ..,.~ ',IL;' ',.'''il'',:' .,'.. .,I'i' ,'J.',,\.. l:fl.' I'" ,,' .' ~""!"l' ,! ~~i'~'Y~ It.....:-;J1.7.-7-,...I' '(" . "~, ' \" \I"'~ '~'1llijl . t' 'i, :" ,,,' '''~,,':.' .', ''',' ,,',', ~I ,; :'i '." ',. ,'I,,.', ,:.: '\, ~,:,,!I1ll~~ f!l*lOt,~~~\t\I\I tll~!,1llI "IIJlt.ul'm')ll1" 'W . . , ,,' , "I , \!,,, '" " " '""," ,'''' ..,," .....~I/fulrii',~ItI'ljlo.~...~QIIf\K1I....,th'tm I 'X' ..:: ;-11\~,.,.. " ,,1,'./ I ;'~"'i:,.t:il,?:~~~~~,~ ,a1~I~tlM:4'U,;ecu'. :: '~'" 1\'::',,,;'~'J."":"::I;'1r.~I, ,"'\'~'1 ,1.1 I '~."tIllI'I I. 'll. ..'1'/ r ,f_ ". ',. OW . '. ~., ,,'." d' .1. ",..'I 'l""'l{J\II'4ill,:J~ I,. 1 '11:11 'j'~, ~" 'I.'" ',I, ,,'" 'Pat"," . '.~" aat:.Ei~,E:i1.OikiUt~ ..:...~ 1\ .......I;II".il':I"'I'\iI{"tlo:>I'r1'.I~~im.~)~ ' .' ',', ' , "', ':' : "" ," ,I"'.:;'...,L.~ '. ,~.:, I'!;. """iJ.;~Hl;4 !:J ; , \,( ,I l' .,1' '1'1 ,,' "1' I." 'o',: \ " ." I ." ,I,', ,.t6tbP*t~()~M:~"\~'~r"~~hu.lJtn~,;",n'~~r~1.i~~'1", \ ~ . " " 1 '1 QOm:f~ n....);r j , " ", " ,\ I ',j,. .... J!j 11,Q."1\ 'I I "Joll"lr~n'f; ,'~~" ,,' I;" 'I ,;' :.. .\, .,J~{ ';-' I~':' ":' " " .' "~~I " I", t"~".r't1ll~I'~,.l~~4-~I{' I " ',\ ' " .' , ' . , " I . '.' '.' :."" i. , ' " , ',,' ,: 'j',' '. ,J '~,! _,J X "'01" '1.. ,", "'1,0 .,. \ ''',1-'", )" 'I" I _,_.', "I'." ,.......1""..1,".'" " "j"',.,,.. '..l-'. , ", ., : ".;'.,:,. ", - , ,,' .......-. ',,:',":./_'.'1'-11 . ,,; 1~..l\4na'~, ' " OJt. ,',', 'I, . __ _:.',TlU'" _ L I ,;,~t'I~~~."II,;~!,~'tH.,Ujlq,,~J.o\i , Ilf~,i/:m 11112 PAQlll PLAINTlFF!S EXIIIBIT , \,) 1~"ZI'(,() 5/Ls. , , ',' 'j ','''\' I'''' , 'If ". ",,~, .-. -'. ""'" 'I"'" .'11'\""-"" "11lT . ,- .' ',",-'" ,'",1 ' ' , -.' ." . , , ,,' . I",' .'~'" .. : III ".\ t.. i,' , .. " 't:!f;.~ \'.1'- \ . "\" "'",', .,~,'~ ..,.lln" ",' , ,~ .. - - . . . , . . 1 . . . . P!IfIQ"'''~ gf Tn",*"'Wh.n M'~ QhllR I. Nfm.~ ., Jh'nt'flPHlry, (AIllllIe. Iq "" ""!lmn lll!~ lIIl ,""'~IllI"1 " . , , . -/", ;.'-: -' """"( ''''',' 'i\-;"'-"~_'~"il-"~"~"-';'t """'1' .,',i.,-h' :;\\';"';'1." 'I' " :', 'p' ~'" ''''I'') "\" . ., -1-' , ' ~' 'I' ,', / n.'.1 ..... - ''''\: - '" ,',I",': " , '," \" " , -, -- . . "',' .. ,_ . ,l'" Tri'~l" mr i'I1V ~\C1a!y I.., IhM ll9" , '-t8, , On,," ~ Of '-I i' IJPlln Ih~ltlSlllh "' Ill" 1'''\WlIdl tlnV Itph~ qf '!lOtI """t1plflfV(\~IIQ 1!l<!~VlI \I14l Plll'f1I\~ .tw-nl "' lh\1l R'lIlay I'I1!l ~lV119hlq \0 "~")*~ PI1Y Il4IlIllIl11m1l qPllp" !In '''I~ flOlIllV 4nllllllCl ""'l*IIlnl Tf1I""I......~~ ,t::::. -?.....4 , '" f1!l1111l<l~lIn, ~~~ TM1"M~[fqI,'.,/~/~~.......,~~ ' , ',' "',' .' T~,\~QI\VI,BI~PU1POo<l' ~,;...., ,~ >~'cS",.P~, . .....~ " ., ". , " rntt Tm.... ~.I(: , ffltl~ ~Iy ...,. qplk>n '" Po ~11ltl# \lY II" T(\I4'''',1 ' , , ~~',P""~~ ~, !II1f""'um\lllllllllnl~lln IMl AAIl P.V"" prtnolflllllll1<l Inl"\l~ 10 ~nol"'V,\l.tl wht~l\tI..,~,IM'l"'" OH\llclP/9'~"'Nt In I!IIJI I!1<l Pill' ~n~~ Inl_1 Mn\lllly "" fMllq, ''''n pay proo~"I1~'I\Q'lII)'(l"'l WI"n I~ ;pq"", ~ " ,.,~ P U"" llm>nU.h'l\l AAIl !lCCI\Illu'IIlIIlln......1 far IMn<IllI 01 mlno~11 ..,q qlll\rt~"I. """...11<1." III1flY, .1 """ (:J f't!l1l1TT1 dllU.. .. dM9~'*! In .ttacl,,ij T~l ~l; IA~h l'~, AQI1l4f1'IIIflI,) " , , " Tl\Ie1" diM IIr lMo<lmlll ul\lIIl~ 'II ~ nl8/llor dUll"" /rIlhe Ilmolll1'/ POf1Clllola!y (llAI'.f1~ ,n. 'llO 'h'''" 1Ibo\'ll, the IllllQwlnQ "'hllll po ltlll ""f!'lt!lfllll' '""'" wli/1 UlI 11\11". am dUll, OI1umtl'llI!ld llbq,,-, " .'.' /?,,',;.,., . , ~~at:~.. ~~~~ ::~~f'~ "., ',R~~tnn'hIP ~ , " '_ QI;Y, Ill... A Zln ~I /~B~~~,4, ....~.y&l . ' ' . HPTIiI OnM Ertt 1'0111';' Will pII)'Il'" PnH1ll. "'~ III 11\1 bfn"lclillly{lNIIl\!IIor ,",,1M, llleIr duty I' tullY ""''''""lid II!d ~M PlIIIJIly 'wra ' " In'\IIW,!'l'" Qqm~ ,~1llI /'oQ llflhitr IItbHllY IlI1dll! 11I10 flOlIllV, ,,' ' , ,~ ~ '- ,- . . -. '. . . .. .. " . SPIilOIAI. OWNERstllP !'SQUUTI comp/t/. /h" M?lion 0Il11' II/III /J0Jf !/.tIO/lll/IHJ "$PflOM~'oWNEIlSJ/'P RRQtJe$T'" i. oh~,q on plllIft -f. . , ' '.. , , , , , - , " \ - , , .1 h'~. ~ " " " (~,1.2,Y Ht~;,,/I~ I(,~ ~'tl !~~ft...( /1""~..1ff?' W' l('kJ ~i'a.;:tp' ~~f1 " " 'l , I-NI' ,(J(J, cW " " .,j. , .' ,. i'l , ," " .Ii " " " " " '0. ,. ", ,." IX I'I'I! , , (:;:1 II; .')i,\II'( DOM'I: "I:, I'll :11 n ~j ell' . Nli,.;h iL, );;1 '{ : '/'1'/'" "I:\I'I"\" ,"" ( 1 ",,\,,1, /,\1, ,l/I!\ ' , .-41 " I; ",. Ii " . " " I: " ~ ~1 ~1i~~,,~~ F~, ,MI,#~ W' .~/~ ;..&, " ,;' Ii. " .. il., '" " i" , 11 " " " " f:, " .' " ",. , , ,. I' " ".., ;) ,j II 11,1, " Iill10p 111\1 \1\11'1'1'111 ['IIHloll)' 61'(IpI' IIlInlh~I' phllll ni' 111\1 pIIl'llp<< hllH h~VII hnrn, IHlnwl)', .. , ,. " (11I\1l'lpllp MIII'Io l.oh11111111 hn1'l1 MlIl'oh ~(), 11)1)1)" ,.., '" ,. , \', ;- I. ~, Molhol' IH dl,lHh'oIIH nl'hwlllellll!J (1IIhl'll,llll,l MlIl'Io 1.llhil11111 III II CIIHlnll)' 01'ellll' 111II1Ini' AIlI'1l0I11PI1l, I' "I" " (i, " " ." - 'i WHl3ftl1FORB, IlllllilollOl' POll Iso n, Loh1l111111'0HIll,llltl\llI~ 1'01)1I1lHIH thllllhc OIlI'I'Onl 01'\101' .' .. h ". " nfCilll1'( hp mnlUl1llcl 10 hlOhlclo Hocnl1dllhlld, o"hl'lollo MlIl'lo Lohl11l1l1ln vlHIIlIIlllnHohoclnlo, .' " " ,. ,. , i" ", 'I 'I' , ROH'POOtl\llIy Huhmlttod; "~WIN, IlI<'NI ~T8?lllJ(]HIlS /. , I' Ii 'I UYI t(' MII,'II ), /ichWIII'lz, ICSllllh'c Attol'l1oy lnl' 1'0111101101' ',(iO Wost Pnlilll'o( Strool ClIrlltilo, POl1l1Hylvnnl1l 17013-3222 717-249.2)53 . ' Silllt'lll110 Cillll'Il.D, NOI 7021 (j I' 'I) ,\ Dlllol MlIl'oh tI~OOO "~i. I' " " " " IlIlNI fHl11, 1~IlIIM^N, I'llIhllll'l' V, I IN TIIIl {JO\JH'I'QF (JOMMON PI~UMI OJ! I. C\JMIlHl~I~^Nn COUNTY, PIlNN~YIN ANIA I ' . I qYII~ ACTION, , 1<t\W I 'II, I NO,9!Mi7J CIYfI..I'l'nt~M I IN CPR'rOIlY " CMI(1 A, l~m"M^N, l:l\lf\JI1II!l1l1 ~ TIIl~ STIPUI~^TIPN AND AOHnHMIlNT IInl\lI'\I\1 hlllllh\l \111)' IInel )'\1111' h\lI'\lln;'O\lI'"\l1 ,. "." I'Prlll, \1)' 'II1HI hlllw\I\ln OIM/G 1/, UmA1.4N, (hol'olnllno'l' 1'\l1'\lI'I'\I\llp 11ft \If/lllhol''') 1\11\1 IJRNISff e, WI/AlI/N, (h,0'I'\3h111001' 1'0tPl'l'\I\lluIIS "Mnlhol'''), " , ,. WIIIlIWAS, Iho plIl'lIo", ,111'0 1I11l 111\1111'111. PIII'\l1I1" llf PI1\I Chlldl'OIl, II1H11\11)' KC/~vl)vCJf!(1 .. I,vllll/flll, \l~l'IIl3ol11\1mhol' 21, 1991, 1I11r1 GAIlIUI;;UU MARlI;; LUIlMAN, hul'll MlIl'oh ~Q', 1999; (11\11'01 1111 flol'.I'o 1'\11'1'0\1 10 liS "Chlllll'oll"h 1111,\1 " I' " WUI3RIlAS,thp PIIl'II\1'H Ilvo SIlPIIl'l\lll111ld IIPlll'l,lIl1d dosh'll 10 011101' 1111[11111 oonllii'ohonslvo Slljlllhl\lonll11\IAgl'oonlOlllr\lll1tlvO,lo phrftlollllllHll\lgll1 onstody \11'11\1111', Chlldl'on, II wuimnAS, lhll plil'lIos pl'ovlollsly onlol'od Inlo ii SlIp\lllIlIolllii1d AgI'0~1I1\111\ eoncol'lllllg , " . " OIlSI\ld)' llf ~hllh' dllllghlol' KC Rebooon Lohlllnn,snld ngl'oolllont bllh\ll dnlo[1 FObnll,Il'Y 4, 1999, " " 'nnd onlol'Ildu9 111\ ardor ofCll\ll'ldlllodFobnllll'y H,20001l\1\(1 " II WltHlWAS, tho pnrllos wish 10 lllPdUY tholl' PI'lol' Agl'001110ut nnd 01'[101' In nddlllon 10 " , ". uddlng tho nnlllP oflho ohll[l, Onlll'lollo MIII'IIl LohulIlIl, 10 tho Ol'do\', , " NOW TlmHBFoRH, Inollnsldol'nllon llf Illllhllllouvounllla, prom/aos i\ll~1 ngl'ooll1oula na' , hOl'olUllflOl' aot flll'lh,lho pnl'1109 Iillplllllto nud Hgroo ns folloWSI ,," I'. Mlltl\OI'nlld I1nth41' shllli'hnvo ahlll'od/julut lognlollslody ofthll Chlldl'ol1, " .' , II 'I' ~, Ml1lhor <<holl hllvP prI1111l1'~ ph~<<lolll Pl'ro<<hlon!llll o\I<<lpll~ pelho chllllrol], '., ~, IIlIlhor shllll ol~l1~ pnl'linl Jlh)'<<lpIII or roslrlolllllll O\I<<lml~ wilh 1,1\0 Chlhlton \111 . j , , . nllorn!lllnll wopkonrl& 0'11111 II porll1rlln ho 1l11l'oollllppn h)' Iho pllrll08 1'1 lhooml \II' '-, ' ,. ".." I1l11hor,'<< wPl'klln)' 1111 I1rlll!l)' 1111111 nn 1I111'01l111lp01l1l1110 nn ~1l1\1111)', Thp Pllr!lP8 1'ImllilP. Ihlll III IhlW8 I1l1lhpr'8 wnrk, , 80holllllo n1ny rO~IIII'P Ihnl lhpy JI1PIII/)' IhllsP IJ,," _ , I' '!I1TIIIUl\lI11\1llla,' Ilowovor, Ihls will no\. ho rlollo whhpllI IIl1proprlnlp\lI'lor Ilpllp~ 1l.1 Mothor of nl.1loas lhnn 411 110\11'8. , ,," " " 4, Dllrlng 1110 Chrlal111!lS hulldn)', pllalolly ahllllllO shill'lllt bplwoul1 Mu!llol'IlI111 111111\1.\1' !la " , . . ,'.,' '-, ., folluw&1 " '" . II,' J1ul'lod 0110 almll hu 0'P111 Chrlall11l1s Bvo (Doool11bol' ~4Ih) nl 3100 )1,111, \111111,3100 Jl,\11, PH Chrlaln1\la,U!lY (Poo\ll11bol' ~5Ih), ' . , b, : POl'Iod \'wo Shllllllll ,O'elll1 ~IOO P,\11, on Chrlsll11l1a P!lY (Pp\lo\11hor 251h) \111\\1 3100 P,\11, Oil Pooomhol' 261h, I' " .' I1nlhol' ,Shllll hllvo physlolll onslod)' 01' Iho Chlldl'llll I' PI' Iho Ilrsl pOrlOl\ In ovpn, 11lIl11hOl'o,d yo ill'S nlld Iho, Rooond porlod 111 mid 11\1I11bol'od yOlll's. Molhlll' sh~II' hnvo' I1hyslonl ollaludy 01' Iho Chlldl'on for tho sooond porlo(lln ovon IIIn1lb'lrod YOlIl'a nilel Ihll I1l'slpol'lod ,In odd nnl11~ol'od YIlIII'S, <1' 5, Now YOIII"S I)IIY, HIISlol', MOl1lorlll1 DIlY, Foiit'th 01' Jnly, Lllbpl'Plly, ,!ll1d ., :rh!lnksglvlng shllll hoholldllya dlll'lllg whlollonalody Shllll'IHI Ill\01'nlllod hotwOQIHho , " plIrtlos, Fllthol' allnll ol1Joy 11111'11111 physlolll ouslody of tho mll1OI' chlldl'on on Un'stof' Ony, Fourth llf July, nnd Thllnksglvlngln 2000, nnd In nil ovon numborod yOIlI's, Mothor ahllll,ol1Joy ollatod)' of tho 11\11101' ~hlldl'Oli 011 No\\' YOl\r's bny, MQIl101'1,,1 Ouy f- ,. " " " ".. I',' .. , 10, Thp pllrllp~ HI1I1I1 kPPp Plwh IlIIWI' 1\llvl~prlll1 \lw PVPl1t Ill' "prlll\l" II111P88 Ill' I11PlllplI1 ' , , " I ' \lnwl'~lInp)' VIlI1V0I'l1!111l IIw Ohlllll'VI1 1\1111' 8hllll nll'lIwl' lnkolln)' I1PPPHHllrr atVI18 (u IIl1alll'P 11\1I11hp hPllllh 1\1111 .wpIHl\Ill1~ ul' 111\1 Chlllll'PI1 18 Pl'PIPP101l, Pl1l'hi~ 8\1ph IIhWHH \11' I1wlllplll PI1WIlIPI1~)', bplh pllrllPH Hhllll hllVo IIw rlllhl lei'viall Ihp {.- .' Ohlldrol1 I\H Mlpl1 liS lw PI' ahp IlpHlrps 0\1l1alslol11 with \lw pmpPI'11101llvlIl PIII'Il or IIw Chllrll'ol1, 1\, Nvltlipl"plIl'pnl almll Ilo,lIl1)'lhhlll whlph nlll)' o,81nlllll0 IhoChlllll'll11 1l'01l11hp othpI' .' , PIII'I)'. h\I\ll'P Ihp llplnloli .of Ihp Chlldl'vn "" III Ih~' 011101' plll'l)', or whlph 11m)' , " h!l111lWr Iho ll'llo IInrlll1\lnl'lll 1I0volopl11PI1l of tho chllrh'on 'a lovp ollllllffpp\lpl1 fbi' , , ' , , ,. , \hllu\hol' plll'l)', ' 12, An)' 11101111101ltlol1 01' WlIlVol'of !l'n)' of Iho pmvlslllns Ill' thla AIlI'O\lIlWlllpn II pOl'11111nol11 hllsla shllll bo off'oo\lVll onl)' II' 1l1l\<lp iil Wl'ltll1B. I\nll (1111)' If,p~oonlllll with \l.lll Sll1110 1'01'H1l1llty !lS Ihla Stlpnllltlllnllnd Alll'vol11onl, 13, "Tho PlIl'\los dosll'o Ihllt Ihls Stlpnlllllolllllld Agl'oPl11onl blll11l1l1o IIn 01'1101' 01' Cllml , " " 01' thp CO\II:lllf Co111l11011 PlplIs 'of C\ll11bOI'hlnll COIlI\l)', Ihol'oby, hllvll1lllho COliI'I ,- " II' , ,.vll0lllo Ihe 111\I'IIos prior Agl'ulIl11llntwhloh WIIS ontol'oll'lIS 1111 01'1101'111' Crlul'! dllloel Fobrlull'Y 8, 1991)1 A~opy uf sllld Agl'oomoll! 111\111'01111011 Ol';io,' oI'Cuul't '~a " I' , . , nltlloh\1d 1l01'0101\Ild hloul:ilUl'lIlo11 hOl'ol11 b)' I'ofol'onoo IIH B1thlhlt "A", Tho'plIl't1os "" " ,1\Il'lhol' IIl1kllowlolIgp Ihlll tho CUlll't of Cllmnlllll PI~lIs of,<Jliiuhol'llll111 COllnty I' l' , duos, III Olot, hllVo J\ll'Islllotlllll llVOl' tho Issllo Ilf' ollHtuely of thu'lllll'tllls' mlnol' , " Chlldl'on, who hllvo I'osldllel 1\11' 1111 oxooss of six ((i) monlhs III ClI111hol'll\nd", ,CllllnlY, 1'0niisylvlllll11, IInd shllll'I'olllll\ sl10h jul'isdlollol1 should oh'Oll11181111100S ohnllgo null olthol' 1111l'IY do~h'll 01' l'cqilll'o 1\1l'lhOI' 111l1\lIl1onllol18 of sllld Ol'dol" " " ,; " ", 'p'; ,... ~, " " ~, : I"; j.'. (\j ,., I.. /") "'r ' . '; ':', ~,' j :-t: l,:.ir: I''', : I:'.. ~., ; 'I: 1:11, I') . .~. j J I,' I,'j ,,';:l':1 r. ~ I i. I ) . ~r: 1(1'i' t'_,' Ii "",4 "J"] I,;' .'..r :'!}U~ Ii, r.:.l 't- L1, :1 c.~J <:. t' I " " '" " " .' ., ' 'I. " I'" ", " " I I,' ),,, ,1I " " , , " /'" : ~ \, " :!I' 0', I' I' ,.j Iii I' 'Po' " " I, i' I'" I! " ';. " " " .. " " " , " " ;, " " " " " ',' " " " " "Ii, " "j> " "'j, " " p 'I :1 >I' " '" " "<, ,. " " I'," " " " " " " " " " i'o 1\ '! ". " ." ." . " " I, " " " 1"-" J" " " 'I, j' " " '.I " I' I' " " '" I, i" " I' [i " " d' l.', " " Ii " J,r' Ii " , /; " '\ i' II " '.'1,' h " " 1"\ 'I " I , .. " " , I, " .. p 1)1 X' ';1" :.1' W', 'II' !(,;, " \, I ~ " 'liH' .. ,.. " " " " -,i .' " I, ,', " '!"" ,. ;'Ii iI_;. /' !i " " /1 I" " "'"''\1'''' ': I( 11 OOI!iW' [) liiilll Fi{; CIJHtJl;Il!::\!I) ,'-,:) illl'HY 1:1:1<)1',," (1.v/,,1 1/\ ' 1'1 "I 'I"~ .' , \' I ~ " " " " ,',' 't! 'Ii, " " \'. '; II " I' ,1/'" " " " ,,l' O,d "/' ,1, " ",1 'I' " HI ,Ii' 'I \ " " I'.. , , I , " " I I " ;'l( ,. 'i. ,,' " , ~ " ",. " ,,I' " I' " .I ,! f. I' , I , .. .. , , ~ ft, '1'11\1' MIII'I'III~1\l ~~llIpm!)nt Alll'PPIl1~1I1 Htlll~H Ihlll Pullllul1\lI' 1'\lu~lY\l IIwl11l1l'ilHI I'~Hllloll~\l11l111Ihllll~\lHp\ll1llullt 11'1I11HI\l1' nlll'lllhl, tlll~ 11111\ 11l1~I'\lHII\lIl1\l pn;porly 1\1 Pllllllnl1UI', . (i,' II WlIs Ihllll1nlllnl llIlrlpl'Hll1nlllll11 Ilf' IIW pnrllPH Ihllt Ihp nHlI'Il!lIll\l,IIlHIII'IH1P~ 1l1l1l\lY IHH\I\lrlhy JlI'I~ IIlHnrnl1\lU WIIH 1I,Iplllllyhul1lllilllllY, " 7.. \1mlul' tlw MIIl'l'hlll\l ~MtI\ll1wnl Alll'\lPI1)\l111 hnth plll'lI\l8 1I11I'Ulllllhl\1 nlll'll!ht, IIIlll , IIl1d 1111\l"~HI. IIwlnd\l11 t,lwI11811l'1lIl\llllwlil nil 8l1hl ili'opul'lY nnrl Hhmllll hllll'!\llHf\ll'l'orl tul'PtHI011\l1', " , .' H, ,RnhHuq\l\l111 10 lhu till!nll1B nl' Ihl! Mnl'I'h1llu Roll11l11W1I1 ABI'\IUIl1OI1I, Il(llh pm'lIuH , .' ' " IIIHrlov\ll'udlhnl Ihu polloy WI18 Pllly 111 RUsplll1\lunl'H Imino nil\! hlld "uII8h-II1" vnlllu, 9, Mill' thu pIIl'IIu8 80PIIl'IItod, PullllllllOl' oPlllh1nOllln H1l1ku tho pl'ol11l\11n illlYl1lollls 011 HIII\I plllhlY, r. , I : 10, ,R08pomluIIl Is IIPW l'u()18111B 10 HIBn 0\'01' HlIld hlRlll'lll1uO In 1'01l1l0I1ul',' Roo ' ' ; I " oO\'I'OHllOllllul1\l\l uXllhnllBO 'htllwoull \lOIIllH\l1 nllnllholl hlll'\ltu lIH uxhlbH8' "O",,"C" nnd "P", , ",I "Potltlnll\lI'IHlh\lI'\llhI'O Hooklnl! thu CUIII'I'H Intol'vontlontu tl'IIn8fol' HnllllnHIll'llIWO to 1'0111101\01:,' i.' ,," . " 1 L PlIl'lIarnph .12 of' thu MlI1'1'III!!~ RulllulllOntABl'oOl1wnl OOn~OrnH SliM j1n1'Illllfo . hlHlll'fln\l1l llnllolllH nwnodlndlvldnlllly h~ uneh pnl'Iy, " '. . ,. , 12, Blloh plll'ty pnld thd' pl'olllhilll fh" Ihoh' oWn Ilfo h1R\II:IIIWO 1111110108 RllhHO(l\\\llll to , , " thuh' Hupllrntloll, " 13, "PIIl'lIgl'nph 120f'lho Mnl'l'ingo 8011101110111 Agl'oomol1t did 1I0t oOlltolllplllto tli~Ul'lo Jlollo~Whloh hlld hO\l11 hlkoll OIl! by tho plIl'lIoH Ibl' tho plll'pll8\l of pnyllll!tho mOl'tgllB\1 hi thu \lVOIlI oflh\l dunll) of ollhol' pnl'ty, WIIE(UCI10IU~, 1'0tltl0lluI', 1J01,\IHO Il, Lohmnll 1'O'lll081H ntl oxpodltod hllndt\1! with thla HOllll1'nblo COlll't tll" fll'oHolltnlll1ll ol'hol' I'otltlolll'ognl'dhl/,lth\l II'nnRlb(nf'tho !1\ol'tB!lgo h\8\1I'l1lluo , "'i ,: ,; ,. ,\ " ,i' '" " Tlw Ulll1ahlllrnlllll1 thl' Ihla UOl1lnlPI I1IHIIIIlI'U\lI1Wl1llu lIw BHII\lIIII)Pl1plll tnllO IIhlllh19ll h)', ' 1)(llh of 1111.1 PI\I'lIoa 11\lI'01n lIiHllh~ 1l0VUlllll1(u nn\III!lI'U\lI1Wl1la of PIIPh Ill' Ihopllrllpa hi IIWl1thpl', , ' Thll IlIlpIIIHlP)' o(lhp ulIl1RIII~rnlhll1 Ihl' 1I1111!lrpPI1Wl1la hUl'pl11 POl1ll1hlPII la ul,lp\lIIIIOII, 01ll1fl1aaPII, 1111;1 lIehnllloel by lIw plIl'lllIa,lIl1d Iho plll'lIou Il1lulllllo ho 10!lnlly hll\l1l1l hurph)', /lll\lh /llIrly In Ihll AUI'~0I1)0111110kllll\vloll~!oa nl1lllloollll'OH Ihlll hOlil' alw, I'Ual1\lulll'olYI ; , , ,-, " (n) Wllr,~ la roproaul1lud h)' uO\lll~ol,(Mllrk p, S\lhWIII'I~, 'Ilall\llrp) oJ hla 01' hol' ," 'I,lli'll ~hemahlMI 'ell' f/'l1l1\ "oproal'l1lod hy oO\lllaol,\\lHlpl'allll1l1a 11\111 ho 111'.8110 hllH Iho riuht In , " ' oO\lI1aoIIIlU~IJI\NI)IH ,l'PPI'OHolltud hy 00ll11RpI, 0ll'n1lloy I" C11'1f'flp, I1Hllllll'o) of hi a 01' hol' \l1l'11 Ohll0Rhlj,!1 Ul' Ifl1oll'opl'oHolltod byonllllHol,l1l1l1ol'RI!lI1I1R Ihll( ho 01' aho hila tl,lll I'llll\l to "'., ' , oOl1l1aol.l ' I' (6) IH I\llIy !llld oOl11plUIol)' Il1lhnnoll (lflhl) I\wIR)olnth1'u 10 Iho Rl1hJoc( 111111101' of Ihla ^moOIl1\ll1tIl11l1 ufllIP I'luhlH 1I11i1llnh\lllloa of'tho pllrllpHI , (u) OIIlOI'H 11110 thla !\U1'001110111 volul1ll1l'lIy nf\ol' 1'000lvll1u t1l1flldvloo of oO\lllaol, 01' 'ol\(\oaoa 110110 ollllal111UI1 III1\ll'l\oYI (d) 11IIa glVOI1 0111'01\1111I111 111111111'0 Iholluhllo't\lO 111ltkhm ul'lhlR AUl'oollIPl1li (0) hltll olll'ol\llIy rOlld oltoh (1l'11vIRIOI1 oflhla Aurool1101111 nl111 0) IIllIy und cunWlololy \ll1doraltu\da ollolt pl'ovlHlo/J of Ihla, Aurupl11out, huth nH III tho aubJoct Illllllol' nllll Icunl uncul, , ThlH ^Ul'oulllon! ahnll,hcolllllU liI'fuotlvu Iinl1lcdlnloly nH oflho <into ol'uxocutlOI1. ,,;, Ji " , t, .,! I /. " " " , ,'l' Ii, ' , " ,..j I' " .1.' II " 3 ,I,. " ,.: " ~I IIIH Ih.u I1l11'pllHIl lll)llhMl11 01' 111IHt\IIIWI1Wl1llu H~tll~ Ih,w~I' lllHI Ul1l1)plllt~l)' 1I\1l hlllll'IlHt 1IIIlI11IlllUl111\111H \II' IIw plll'\lllllll1l1l1 PI'IIPUI'\)'lhlltthll)'111I'11 H~Pl1l'11l~I)'. 1I1l(11I1I pn;pllrl)' 11\111 \I'll II ill 1IIIIIIIIy lis l1H1rltlll prllpul'\)' Ilmllll' Ihll!lIlIHlHyll'lInlll Pll'nl'll\l Cllllu, THill 2,1, H\lCIIIl1l3~Ol(u), 1I1111 , 'Ihlll IH 1'~1\JITu\111I {n IhlH t\IlIWIlWIlIIIH "tv1nrlllll !lrllp~rl)'", IIH hlltwuulllhllin~IlII'IlH,lhell'lwlrlllll111 IIHHIIlIlN, The pllrllllH hlll'lllltlllinplllllln IlIl'ill~ thillI' Mllrlllll Pmpel'\)' 1IlIIllHlIllwr thnllllll1lhl'll1H In " 1I )IlHt 1111111hll'flllllHIlII'll1 with ehlll ':~UIIl'llln Ihll.l'IuhlH nl' clleh Plll'l)', Thll 1lIl'IHIOll nl' IlXIHlhl11 , .. MlIrlllll Pmplll'l)' IH ,,~III\IIlI\<IIl(1 h)' Ih\l (lIlI'\IIJH In ~nI1HII\llto III IlIl)' \I'll)' II Hlllo 1,11' uXllllllllllO nl' IIHHutH'j I\I\lllhl,l"lllvlHlnll In hilUm ul'l'ulltu(1 wlIIlllIII Ih\l',ll1ll'nllllullnl1 pI' nlllHIIlIIl\lI)lln Ill' oilwr pI'P(lIlI'I)' Ilnl onllHII\llllnllll (ll1l'll1l'lhu 11111l'hIlIIlHllllu, , , , ItIH IIw I\ll'lh~1' (lllr(loHIl nl' lhln ^llrolllllllllllll sotll~ Ibrew1' 1Il1llllllnlplolul)' (111)' ohllllllllllll 11,llll~1' Ihe POIlIlH)'lvIIIIIIIIJlvnl'\le Cnllu 1'011lthl11 to H(l011$1I1 H\1(l(lnI'IOI' IIl1lnon)', " (I, Illluh plIl'l)' 1'0pI'UHontH IInllwlIlTlllllH Ihlll hu nl' shu hllH hllll Hllrnlllunt 111ll~ IUHIIIUOOHH to nil IlllhI'Ill1lIloIlIl000SIlI1l:)' 10 olltol'llllo thlll ^1l1'0011l0111, III0hldlllll hul not Illllltoll to pl'OpOl't)' Inlol'oHtH 01' 1111)' 1l111111'u, whulhol' pOI'Hnlll11 01' bUHllloHS, 1111)' II\nI'lllIIUO, plollllo, lIull. uhlll'go, SOOIIl'II)' lillUI'OHt, i .' unulIinhl'llllUO, 01' 1'0H\r1UIIIlIl 10 whloh uny prllpol'l)' IH nllh.lout, 'Iinoh pnl'lY '1\11'11101' 1'0pl'OHuntH lIilll. , , nhhollllh Illlt ull tho Inlhl'lllutloll IvnH I'uqllostud, Ihlll ho lll' sho IH 'IlntlHllod wilhtho ooopol'nllon nnd eHHUloslll'o of' Iho prllpol'ly Intol'oHtH of' nil)' nnllll'o nf' Ihll llthul' pnrl)'. und WIt/\'OH nn)' rluhllo I'nlnu tho Illu~ of' dlHOloHlIl'O of' pl'Opol'l)' Inlol'oRts 01' un)' 11111111'0 nil' u dolOIlHl\ 10 Iho olllhrcoll1ul,11 of' JhlH t\lll'oomollt, Blluh I\lrihol' 1'0prOHUllIH nnd IVI1I'l'nnIR thnll\~ or sho hnH not 11\1Il10 nil)' glllH or . " '-';0 trnnSl,OI'H llll' lnnrloqllnto oOIlHldol'nlloll ol'Mnl'ilnll'l'Opcl'l)' wlthollt tho prlnl' oonHolllof'thoothul', I,lnuh Pnl't)' IIckllll\VledlloH thnl, to thu oxlent dOHll'ed, ho 01' Hho hnH hull l\ooeHH 10 nll.!llll1t '1\1]d Repnl'l\lo stulo nlld Fo(lul'nl '!'nx ROIlIl'IlH mod hy ot' 011 hohnlf' 01' ollhel' l1I' hlllh 111I1'1l0R dlll'lng . ", , mnrrlngo, .. " " , , " ' , I' I' /. id- , (., ,\ , . .. , '" ,,1,- 7, ., ~UC^J, ICS'I'A'I"~I !llIHIli\NU hVl'e\ly IIl!1WH In IrIlIlH/I'I' In WI""C el\ehlHIW PI1HHPHHlIlll 111'the 111111'11111 I'PHhlelllll1nl \J 12 NlxllIll>rlw, Mlllll\lllllllHhlll'lll ClIll1lwl'llIl1ll Cmlllly, ppnllHyll'II1l1111 ,. ,. t', 1111I1 Will 1I'IIII'e 1111 r,luhl, 111111, IlIHlll1lel'llHIlllllw PI'OIWl'ly If' WIIIIC IlhOllHIlH III HIlIIHIIIII Pl'\lplll'l~, I' . '. .' IIlHmANU 1I11l'llll~ 11I1)X~Il\lle II IllloII IVllhllllhll'ly CHI) IIIIYH Ih1l11 Ihe ellllll of tlWCXllllllllolI of thlH Mll'll,llIlWIIIIl'llIlHI~l'l'hlll Hllhl pl'llpllrlY Il1lp WIIII\IH 1I1111101I1elll'hllllllly, 1111\1 WIIIIC II!l1WHII1 IIHHlIllle 1111 II IIh II II)' Ill!' IIIHlll1rlpll1l1l1)' Il11HUANU 1I1llllllHI thp 11101'ILIIIllllH ll\ll'l'olllly IIllllhlHI HIIIII .,l'eHIIllll1llll, 1I111111lllWH In he' Hnlpl)' l'eHpol1Hlhluf\lI"tlw pn)'l1lOl1l11 IIHHOlllllt\lII'wllhHIIIII'111l1rtIlIlIlOH, WfIIl~ II I 1'1 hili' IIlll'CllH to IHIl'e mIRlIANI)'H 111111\ll I'lll11UWlllhlll1 \llll 1ll1l1'lIl1llllnl'llllIllPH wlthlll !' ,," . . .' Ul1ll ,(I))'el1\' O'oll1lhlllllllenl' Ihu \lXlllllllll1l1lll' IhlH ^llI'Uelllollt,' Tho I'llll1111'1I1 'nl'lniSIIANnIH I' , , . " "" ' 1\l1I;;ll fi'olll Iho Il1nl'IIllllleH Hhllll llOCIII' ollhul" hy rOlll1l1l1llllltl or IIHH\llllptll111 llf' tlw. 11111'1'0111 "ll1l1rlllllllllH h)' W/Flc, WJI1'IC lI11roOH 10.P1lY I/USUANn Ihu Hllm \11' $fi,()()(J,(J() wlthlll Hll'ty (fi(]) IIIIYH O'l1l11lho 111110 01'01'00\111011 ofllw lIuo<l h)' IlUSnANl> IrnllHI~rl'llIllllllo (0 WW"~L R, " SIJl>I'OI{'I', ' , SPOusAl; SUI'IIOln, J3o'lh PlIl'lloH hOI'OlI)' WlIlWlllld 'fbl'llllo 1111 fllllllllllnlnllllllllltur!1I1 II , , " ".'" ,.;. ..' HPllllHnl Hllppllrl 0'0111 unoh 011101' nlllllllll'OO 110110 rClIIIOHlol:, HllOk III ohlllll1 IIlhnol1)', nlllllollY , " ". , plllldll,1I10 11111, 01' HllO\lHIII H\lpplll'l holhl'l' ol'nnUI,' 1I1l)' IlIvol'oO Whloh 11111)' hu 1l1'H111oll, eXH,LlCqIC SUI'I'on'I'1 Tho plll'lIoH hurohy IIllroo lhlll onoh 11'111 PIlY (11l0-hllll' (112) Ill' Ihoh' ohlllll'ollH' OOIlOIlOQXPOIlHOH, Tho IIIll11UIl! of Huppnrl, Ihol'ol\ll'o, Hhllll b9 dolul'llllllo11 IIH ,. . , ' IhllllwHI lho Hum of lilltloll, l'Oe;in nllll IlPllnl, IIlld book OXPUIlHI'H, IOHf! nu)' 101ll)H IIlld '1l1'll111s " I'ooolvod hy thu ohlld/uhlldrollllho rOllll1lllfll1l hllllll100 Hhnll hosplll o'l\llllly hy tho plH'lloH, \, 5 " l ,j " ,,;. " , " \ , I ! I'" " (; , 0, ,1'lcIUoJn~A" ,IIIHWIClt'!'):1 ''1'110 pllrllPH IIU!'!;O 111111 Iho .Ihllnwlll!! IlolllH Ill' POI'HI1I]IIIl)' H~lolll111 Uxlllh,II'W' 1I1111011Od lIiwll1 wllloh 111'0 \J\II'1'ollll)' 111 1,110 pl1HHllHHll11l 111' W/FIC 11'111 ho Il'I1nlvl'I'lllllnlho Il\lHHoHHII1I1 I1I'IHIRII/\NH\lIHlIl tho Hlul1ll1unl' IhlH IHll'Ooll1ollt, 'l'ho plIl'lI11H I' I\lrllWI' 1I11I'PO ,1,11111111111111\11' pOI'Hl1l1l11 PI'I1P\lI'I)' IIIIH hooll IlIvldolllllll1\! P1I1't1oH'1I111111111 HIIIIHI\lolhm, . TIW WurlC hlll'ohy wnlWH 1111 1'11l11l1l111111t1l1whloh tlllo 11111)' hnvo 1111111)' pIII'HI1IH,1 PI'I1IWI'I)' nl'lho IHJRIli\NI), IIllSi'ANI) IIkowlHo wIII\'UH 1111)' 1I1101'0HI whl,oh 'hu hllH 111 Iho POI'HI1I1I1I" pl'npOI'I)' I1I'thoWWIC, Ilol1oolhl'lh, olluh nf.lho plIl'lluH Hhlllll1wl1, 11111'0 IIl1el 01\1(1)' II1l'op~llIlonll)' 1I(llil)' 011l'hl1 01' rllllHl11' Iho I1lhol' PIII'I>', IIIIIIOI11H III' pllI'HIlI1t11 Pl'l1p~l'l)' nl' ovoi')' klml, 11IItUI'0 IIIlIl , ,'- .j II~Hol'lpllllll IUHI Wh~I'IIVOI' Hllunlod, whloh 111'0 111011 1111'11011111' Iwld h)' 111' whloh 1111')' hOI'Ollllpl' , holl1l111111lho lIusnAN!) 01' WWI'; with 1\111 J1llwor 111 Iho IWRIlAN!) 111' Ihllwurlnll1l1lmlOHo 111' H1I1110.l\H 1\111)' II 1ll"O I'l'oolllll II >', III 1I111'11HJ1oo1H IIIHI Ibl' 1I111l\U'llllHO~ 1I~'lr ho \11' HllO 11'01'0 \II1IlIlIl'l'lod" AU'I'OMOUlI,ICSI (II)WWI,C ,HhulI Wlllvo 1111>' 111111 1I1111ll01'0HI whloh Hho 1\111)' hllvQ 111 Ihl) Tn~l1ll\ " I' I' '.. .' plok-up tl'Uul(, /IUsnANl> Hhlllll'0111l11l100 nn)' 101lllH IIHHl1ollllol1 with Hllld vu!llolo wllhlu lhll'l)' (30) dll)'H of uxuultlllllll1l' IhlH ^l.Il'uolllolll to 1'01l10vo WI111C'S 1I111no l)'OI11 Iho 'Hnll1o, 10, , . .' i ,I' "." /IllSllAND Hhllll ho 1'0HponNlhlu,lill' III1YHllld IInlHlnndll111111111l pll)'I1WltlH IIl1dllll hlHlIl:\1I100 Oil HI,hl vohlolo 111111 hold WurlC hlll'lllloHH Ih1ll1 IIny ohllglllhillH Oil Hllltl 10llnH 1I1111 .IlHlollllllfY hol' Iflll1Y OllllllllH IHlldo IILtllhIH\ hol' with l'uNlloollp HlIlllu,.., " .' (i \ : " " , " , . I I' " " i' (\I)' lIIJalM.l'ln IIlU'uUS \II Wlllw IIIlY 1111\1111\ 1\llul'uijl wlllllll 11\1 l11!lr IIIIVu 111 WWIC'H l!)l)<1 01'1\1\\1 Ch\lI'l*\I\l"luup 11\\11 will SIIlI\ 11I11l Ill' slIill I'OlIlul\I 11\'\11' III WI,IIC wllllll1ll1ll"\>, (~m elllYs 01' UXU\l11111I1l \ll'lllls i\1l1'\lU\lwnt, WIFle slmlllwl'\lHpll\1Hlhl\llhl' IIllr ,I Hllhll\1I1HIIII1I1I\111lollll PII)'\1l\1ills 1111111111 h\sIII'lIllU\I Oil sllhl vuhl\ll\1 1\\111 1,,1\11 IIPRUI\l'ln 11I1l'l11I\1HH l\'IlI11I1IlY \I\1lillllllo\1H 111l sllhlllllll\H 1I11111mluIIlnllY lIul' II' III\Y \3ll1h11,IH I11l1el\l 1I1lllll\HI h\ll' wllh I'UHPU\l\ \11 SllmU, I, II, " MAIU'I'AI,11IC11'I'SI II IH t\lrllwl' 1\1111\1111\>, IIllruud hr llIlll hulw\lul\ tllu pllrtluH 111111 W!FIC HlllIlIlIHH\llIl\1!1l1llllbllllr Ihl' 1\\111 plIr !ll1d h1\lullll111y 111\1 IIUalli\l'ln IIUllhlH11I1I duhls hWlirl'ud \ly WWlt'II1\I),I' tho dlllo ul' H\lplln\tl\lI\I WWIC I'Upl'uHul\lHlIl1I1 WI\\TII\1tH 10 IIUSUAl'll) thlll Hll1uu thu plIrtluH' 111111'\1111 HOI)lIl'ii\l111\ HI'lO hllH \1ot UUllll'lIotu\1 \11' Il\u\Il'rod IIl\r duh( 01' IIl1blllty Ihl' wlllulI , " IIURUANU Ul' hlH llRllltu,l11lllhl hu I'UHpI;l\sl\llu 11\111 willlc I\trthur ruprOHollts Il\\d WlllTlIl\lH to II " IJUSIII\Nl> thllt Rho wlllliot oOl1trllot or 11\0\11' ullr dubt 01' Illlhllllr IIl\ul' tho UXOU\Itlol\ Ill' thlR " .. 1\ .. " Al.lroo\11\lI\I. Ihl' whloh IlUSIIAl'll) Ill' hlH ustlllo I11lllhl \IU I:O~PllllHlhluI WurlC shllllhlllol11ll11y , " " 11\\11 SIlVll IlUSIIAl'll> hlll"l\1loHH tl'lll11l1llY lI\1d ulllllllll11H 01' IIOl11l1l\lIs I\U!lIOn!!IIII\Ht hhn hy rOl\HIlI1 \IflluhtH ol'\lhIlIlUlloIlH hluulTcd hr hcl'" " IlUSUANU Hhull USS\1I110 ulllluhllllY Ihl' IIlld PIlY 1I1l1\!lIduI\U,llly tho WWIC 1I1l1l1l\st ull ' " dobts IlIo\llTod hy IIUSUAl'lU IItlOI' tho dlltu Ill' soplIl'lllIolI" IWSIIAl'lU \,OI1I'OHOIlIH IIlld WUnl'lItH , 10 WWIC tllII1 HIIIOO tho pllrlloH' l11ul'lIul sopiWlltlull 1I0hl\H I\llt 001\11'1I010\1 01' hWIII'I'cd I\nr dohlol' IIl\hHllr Ibl' whloh WJl1IC or hcl' oslllto 11111.1111 ho I'cHponslhlo IInd II11SIIANU 1\11'\1101' I'CIII'OHOlIls IIlId Wlll'l'lllllH 10 WJl1I~ \lIl1t ho 1"111110\ OOl\tl'l\ut 01' IlIoul' I\\lY doht or IIlIhllll)' 1\1\01' th~ OXCOUtllll\ of 'iI. ,d ',' , ' , ' 7 \ , I, " I. I I " Ihl~ A lll'l.!\lll llll 11 , Ihl' whil1hWlFI'1 III' hilI' \lHltilll I11I11hl lip I'IlSpIlIIHlhlp, IIliHIII\NU shllll , hllllllHplly 11.I1\1 HIII'1l Willie 11I\l'Il111lHH 1\'\1111 1111>' 1I111( 1111 Illllhl1H \lnllllllllllllH 1I1l\11~ IIu1I111~1 hili' 11)' ',I'OIlHIlllllf'll\lhtH III' ubllulIlIlIlIH 1IIIlIII'l'oll h>, him, ,,' , WlFlcnUI'\l\lH III pll>, llnel 1'\311111111 Hulpl>, I'I,lHpllllslhlo Illl'lIw bll,I,III1IlIlI,11I thll VIllA \ll'lllllt , .. " , , \Jill'll hI hol' l1IimPIIIIlllo, IItJl'lUANn IIt11Ws III pll)' 1I111111~11111111 HIIIIlIY'I'IlHPIIIIHlhllll\il' lli~ \lllhlllcll ' " I' I' (II) IlwVIR/\ IlI'\JIlIt \llll'll 111 his IIl1l1lC II III 1I1l, IIIJRIli\NU IIgl'CI1H 11\ plIY 111111 1'0111111il Hlllol)' " '\ ,. I'IlRpllllHlhlo Ihl' 1I11l 11111/11I\l0 1l111hll MICMUlC'~Fi FlUS'!' "1M Ul'uI1I1 clIl'd 119IIIII1,lollltIlIlIlWH, '" !, ,,' " . d , IEIIOh, plll'l)' Hhlllllnelpl11l1ll'y 111I11 hohl hlll'l111oHR lho ll\h~I' wllh I'IlHI'IlOI III 1111)' ,\If' Ihp uhllllllllollHHtlllollllhovo Ihl' whlu!1 Ihu 11th!ll' pllrl)' IH 1l011'0SpllllHlhlo, " 12, " IN~lJni\Ndu i\Nt> IC~I'LOVlm IIICNI,WI'I'RITho PlIl'lIcs II~I'OU thllt ;111)' 1110,' hlHIlI'IIIl110 polluluH UIll'l'Ulllly 011'11011 h)' IIlJHIIAN t> 01' WWIC 'Hhllll I'UII'I1I11l Iholl' 011'11, '''IIIIC " ' \e II'lIlvou till I'l/lhl, 11110 Md 01111111 to IIUHIII\NJ}lfj Oll1plllyOIl hClIllllIH 11111\ '1I1lY 111'0 11I~1l1'1I1I00 , ,,' ,. poll\llos oWllol1 h)' IIlJRIlAN!l. 1I1,lel IIlJFiUAND W\\IVCH 111I right, 11110, 1I11llolllhn 10 1111)' of' " WIFJC'S omph1)'00 bOllolllRlllll\ 11I1)' IIfo hlH1U'IIllcO polloloa OIVII\l1\ h)' WWIC, " q' " 13, , IHlSINICSS INTI~I~ESTIiI IIUSIlI\NI) hCl'ch)' IVulvoH,IIIl)' righi, 1I1101111d/Ol' Illtorost " Ihllt ho Inlly hllvo 111 WIII\C'H bllHhloHH olllllloR, Fl'ol11 tho 1\1110 of' OXIl\llltlollof' thlH Agrooll\olll, WWIC HluUII'ollllll nil I'lglll.tltlo IIlll11ol' 1III0roHIlllltll1\ 10 tho nHlI'csllld bllHhlOHH olllltlos IIH hol' Holonllll OXOlllHlvo pI'OpOI'I)', I; "..,,' lIV/iUANJ)hcl'oh)' 1I0kll0\vlodgoH thnl WIFIC hllH dlROlosod IIl1dlll'Ovldod tll hll1\llhl' lISl' h)' hlH Cl1lUlHOl'l1Ild uxpol'l, /III IIlJCOHHill')' dOlJlllnOlllil III ol'llol' tll propol'l)' vnlllo tho /llhl'os/lld "I. ,. , II ;,1' , , I '" I " .. "I\'HItII'~H \ll\IIII\lH, 11111,1111111 Hllhll'lIhllll/llIlHWPI'\l 1\111111'11 plIrl11Il1'\l1l1'11111 IPIIlIslI1I1l\l11II hils Is Ihr IIw" 1\llllls;PIIllllllh1l1H 1I11111111I'\lPlll\lIlIH pl'lIl'lllplI 1\11' hpl'pllI, 1'1. IN'I'liJnIC/i'I' ANn 'IIANI~ ACCCHIN'I'1:i1 wwac IIll\WS III wilil'p 1111 I'luhl, 111111 Hlill ' , " Illlpl'psl 'whll'h ,Hhll I1I1IY hll\'ll III Iho HlIl'hl~lH (,II' phpp~lllu 01' 1111)' ollwl' hllnk IIP\llllllllwlll' IIW mJllnANU, II1I1II1UMIIANU IIU1WS In WIII\'IlIIII hllPI\lsl whll'h hp hllH 11l'lhu 111ll1k IIPPIIIIIlIH nl' ' ,. ,. ,,, 11111 WlFlk IIVllnANU 11/111 WlFlc I1UI'P\l11l plOH\lllny sllPh II\l\lllllllls 1lllllhpIIIIII,IolnlllilllluH, 15, '" mmACIJ: Il'ulllwl' 1;111'1)' hl'UIIUhuH 1111)' I1r()\IIHlol1 nflhlH ^uro\lIlWI1I, IIw oth\ll'illll'ltHhl111 I . , , ' , , , /' hl1l'o thu, I'llllll, III hlH Ill' hol' 010011011, 10 HIIO Ihl' 11III11111l0H 1\11' Hlluh hl'ollPh lll' HOC,l~ HIICh olh~1' ' '" ',. d 'I, 1'01l101llPH 01: I'ollpl' I1H mllY 110 III'IIlIlIhlo III him 01' h01'1 111111 Iho PIII'!y 1,11'0llQhlllUlhlH oOl1ll'11UI Hholllcl .. , .. " hu 1'0spol1slhlu fhl' pllymolll' Ill' 101l1l1luIls IIl1d oOHIH 1I101l1'I'ucl hy Ih~ nl/wl' 111 ol1ll1l'ulnul/lIlll' l'i~hlH " llIlllot'llHH ^!lI'uonWnl, 16, AUJ)J'I'IONAI. l~lJ;'I'IUJI\1ICN'I'~\ Illlch or Iho nnl'lIus shnll 11'11111 111110 to III11U, III tho l'uqllllHI or Ihu olhui'; Uxoulltu, lloknowlcllup IInll <lol,lvol' 10 Ihll olhol' Jlllrly 1111)' IInrlnlll\ll'lhol' , /llHtl'llll1Unls I/ll,\! nlllY 11Il1'~'"sonlll\l)' I'\lllllll'od loulvo 1\1111\11'00 nl1d oncul 10 Ihp pl'lll'lHlol1H of Ihls " AUI'OUlilOl1l, .' 17, 'yOI,lll~'I'AIH' 11X1Ct:1J'1'l!!JS1 'I'hu pl'llvlHlollS 01' thlH ^Ul'uol1lulll IlIld Ihoh' 101.11\1 onbol h!\vullcolll\,lIy ,C,lXIlII\IIlOd 10 tho )ll\l'lloH h)' IIwh' l'OS)lOCl/vo COllllHClll11ld pl\oh pl\l'!? I\UkllOwlcdl.lCR Ihut tho ^UI'COlllullt IH Ihll'lIod clJlIlIlIhlo, lIud IIwl II In IlUlull Olllol'od hltll vllllllltl\l'lIy, IIlld IIlnlltlh lJ "II! / " 'i , ,I , , . , , 1'\ t, , "I, I' " " " " "" ~ I' *Glo"I~Arl Cnmbil1lHl(111 RnW Cl'nnmnl1 PnIlHlw!", 131'i IHh~I' 13ol1oh AII'cillllPI'OHHI1I' . Molnl 13luo !lolt Hill , ew Rofl'lglll'lllol' ": " I"~ ",il , ' ~ It, " " " " , " , I il ;! " , II. " 1/ Ii " ,,' *lIusnANJ> \vlllllHI tho GII-I(I1I'( 1\11' Hnlll nl'$I,~()(),()(), Hlllll.~hlllll'llC()cllH 1'1',(111" 11I0 Hlllo cllunlly, J:\ ,,', , ", t' " !t, ,. H .' "Il , IIUsnANI) nucl WlfllC 1I111'Cc III .' " , " " , ,- !! 'j' " " . 14 '-" !I 'II , .. (I 'L , I, " " 1 'I , , I'" " " " " 'I I' "" " " " , , \ 'I , 'I' ;1' " "" " /1' I, '! q, " " ",. 1/ )1' " " " " " I' , 1\ " ,I \, 'i;' /, " ;1' I, ,I ;,1' '" I, , Ii " ,. , " " , " ", " Ii " 1 " " " " " " " " 'I' " ,. I " ,'1 " " ;' " " " f' " '!' i-" " " I " 'I , .. II, I' it" II ,I " I, " " ',; " I' I' " ,. " 'I, d " " I' " I " .' " d I, I, " I' .. " il " " " " " Ii " I' " i'- Ii I' i, I' I' I' I' 'OJ " ,~r ' " " " I' 'I' " " I' 1'./ I, " , " EXHllWr '1 " '1' , "e" " ''> " " !d\\ Iii j, !/ " \, ,) I' (i 1/ " " 'I ,". \, l , GRllflfl~ & ^:S~QCJ!\T'CS f'f(((II'flI1IW {I!'" Cfllm'\""(l/w A' {.(fII' "1'11111\1)' I.. (,/I'Il'llp, '~~I'I''''P Ii. III t IQP N~\I'I"Mn"Ylt <<',illl , rMr, 'll'l\ 179,,',']" \1171 ~4~,~ II , II~QQl ~H,1111 I'~~ 111H4HP9,1 1I111IY,tYlntll,11 Ropl\lI,llh\l1' 71 ~()OO 'I:' I, 'I' ):) :;li\11~~il\\~~:,I~I~IWlQ' , ~ mnm'IJIP , '--L-':";"" , () 1,1 :'lIl1lilllll'IIIMllllhml , f'I'NlI(rl\,\IH"'" IIII'/' 'j \'1''''''(;;' J, '" ;', '1'1' ' ,:(;. I I' I: \1:1, Id \.\ \."11,1...\ , " ..11 ",. , M!lrk p, S\lhwnll~1 BHIllllr!! .' (in WOHt 11111111\'\11 RII'O!lt Cllrlial\l,IW 17ol~ ' HHI ,1.ohl11l1l1 V, Lulllllllll ,. Ii ,.1' I' " DonI' Mr. Sohwnrt~1 " ',' "" I' ! " 1'1 )'UlIl'IQII\l1' Ill' ^nlJlIHl2H, 2()OO, yon ru/\ifUlI\lUIII\ '~nhll hlftUI'nnu!! pllli\!)'," I ftlloku with Iny , ollllnl rlllJllI'llill/J II,I~, mlltt!!!' 111111 IIPphr\lllll)' YIlIIl' ull\lm 1ft tlllkllllJ nhlllllllll nrl\l iiI'\! hlHmllllO\l J1nli\!y 'which lilY !!1I01l11lWllell, ThllllH Ihu Illlly J1lllie)' (hili ho ullllthlllk Ihnt Hhu I111f,1hl111l refbl'elHllllll' " 'AH IhllHullt\lel, Mr. '~Ohllllll1 OWlIa I,hllt polloy, If " II ,. Pnl'annl1t 10 plll'l\f,ll'lIJ1h 121lrllw MII1'1'hl1l1l S\lllllll1l1ll1t AmOllllwIIl1 , IITh~ J1l1l'tloijlllJl'oll Ihllt 1111)' 111'0 hlHnl'lIl1co pollollla elll'rolllly IIWIWII b)'''ii/I,I'IIIII/II or "'(li' ahllll romlllll thuh'llWII, Wiffl woIVlla'I\lIl'llllll, Illl~, 111111 ollllmlo #/I,I'II(/III('.v emplllYIlO ~olWnla 011 IIllyllf~ hlalll'IIlllle /I1111ullla 011'11011 by 1I/1,I'(I(/II1( 11I\11 Uf/,Vbfllll( wlllvos 1111 rlllhl, Ihlo, nllel olnhn to nil)' uf W({lII,I' ull1pluyoo hOllollla UI1 1111)' IIf1l Illsllrnlloo Plllloloa qWllol! by W(l~,"" '. " , " I .' " /1 ','.1 , " I'llrHlllllH tll tho MlIlThllJll Soltlelllullt ^1l1'oOlllOllt, illY ullollt duulllwH Ylllll'oll~llt'al'oqlluat flli'I' IhlH IllulIlIIlluO pulluy 10 ho Il'nllalurl'oll hllu hol' \lWllorshlp, " ' ", , , Mr. l.phll1l1H IIls11lldvlaoa mo tlHlt IIl1hll\lgh hll HlIap~IlIH IhlH i'alhu pullo)'thlll Ma, WII80it !H rOfol'onolnll" It WnH llpt IIllfo Ina\ll'lI110e polloy aoomlnlJ thu flllymollt ufllto lllllHllIlldllllJ hlllllllOO or tho Oral1l1Orii!1I1l0 lllllho 1l1l1rltlll hllmo bllt "lIlhlll' Wlla 11111'0 hlSlll'lmooplllloy Ihllllllollldod HOmU Whol\l Illb Ill' IIlllvorHnl pUl'tlOIlH IIlld sllmo IIddlllollllllul'llll'ldorH, ^flflIlI'OntlY,lhe fllll'UOH, ,lIdllod'lho 101'1lI ,", 1'1110i'H to pl'ovldo HlImolollt HlIll1a III pnYllff tho 1lI11l'tlllllJO If olthPl' of Ihom'wollld dlo d\Il'htll thll limo Iho, flllrtlos ll\yllod tho hOlllo nnd Iho ll111rllllllJU IVII~ IIWIIll!, llo\vovlll', thllRO t01'1ll rllllll'a, or 001lr80, hllvo 1lllllldOfllll1llallt ollsh VII hIp Ill'lhllll' OlVlllllld thuy Wlll'01l1l1 doallllllllu(I'lu ho PIlIII tlllhll1l1Orlllllllo olllllplll1r HO IIlllt thuy wero illllmlll'llllllJulllb hlHlIl'IlIlCO f111lloloa ~I' rldol'R, ' 'Ullllol\tll)', lhls olnl'lllua lids sltllllUIlIlIlI1llwlll pllt thlalsKllo tlll'oal, V01')'tlIlIY)'UIII'K, " I, ;0 1~I.CJIkJl 001 Cl'IlllJ ^, Lolllllllll I' , <ii' j 1'1" " ,\1 I, '" ,,' fl' 'I' "I , f: ;"j " i," " , , " ,,", ,I; " " " iI' I, H '" " ,I,' " " .' 1,\' " , i, 'i I,J H ",j', if' " H , I' " " I' 'j' ,I' .I' " (I! " 'j; ,Ii i; " ",>; ", ;\ I, ,I" I' ., \ , " " I' 'I " ji I, '" i" " " " .' " ,I', "'" ,f! i' " " " .' I' ,. ';'; .' II ,. J; " " I " " " " " ;, " ",. )\ '" ill! " EXHIBIT IIDII q " " ""i ';;, I' " I' P" "I. '. j:I;1 ;, " . ,. I U, I " I.' " "I I .\ " , j, I 1,I\W'PI'Pllj"~' !RWIN J\ll'~I<NIGI-1l' err HUGfJE~ '" ., ,;1' N(lCIHR #,IRII'/~ ' I\I,f<<~'V,i~, M\'~II/(I/Ir. 1/1 " /~MI'~ 1', /Ml/li:i ,Rm'fC,f ft, 1/111I1/1'~' M'IR^J,,'I'C:IIIl\lOrr: 1'( 1I11,f$(/,.\(IUIO " " , \VI'S!' I'P~1FIlIi!' l'IIPI'/iSSIPI'/A{lIl1/IW/ll liP \ViiS!, I'PI\1FIlIiT Sl'fIli/iT (JA/11/1'1(i,/'(il'/l'/ii\'WI1N1A r 7P1~..m~ (7 I 71 ~111,a~II,l FI1X /7171 MY,03U1" ~"MMI MI/IIA\y@~lIffRl!n (JP,~f n'~li!(J,i,IHII'/,\' ilY!!.IY171 nlOil IJ,\', IOIl'/MIO, (/YII,IY,'OI" I~II'I.\', 1~1I'1,\',flRII'IIIIIY!~'IY,'OI ': i, IHII'I,\', IOIl'I,y,IM"HII/ill/r r/~'6'IYYII 1H1I'/.\',lIf~'oI/(lI/f,~ 1I(1(111/.~ IIIY/, ) S~llt\lmh\l1' I~, 20110 , " lH~APL~Y L, QHWJ11li1, Jt~Q~mJ~ QHU1,If)U ~ M~OC'A'I'JJ:S ~11II Non'I'H lli\NOVlDH ~'l'lunlC'r Gi\HL'I3Lli1,I'i\1711Ia' 1 FILE' COpy 1 " " ' , .un, LEHMAN v. LElIMAN 0111\1' AIlprnllY Ol'lfIllIl Ii Thllll\lUOI'\lok.l1owlll~!!lIs flloolpl of yo III' II ~1I11l11 Soplf.llllbql'.7/ ~()llll, 1\,IIPPQOI'S tlmt 0111' " pllol1tft hllVlllwll,dlfforonl Ill1dllI'PIAIlc.HnlJs ofllw IIl\IIIrQ ofllw Urlo IIfll hISIII'QIIII\I pouoy, I3qlh IlIlrlllls Imv\! th~tr OWI1,UfIlII1SlIl'IlnoO 1l0Upllls Ihroll!!h Stlltll FIIl'mhlaurmllllllns\lrlnu \llIlIh oflhoh' rospeollVIl UVIlII, !-IoWIlVlll', Ihll PllrUlla 111I11111010Q Urlo shortly 111'101' p~roho~lnlJ th\! mllrlllll homo 10 Sllo\\ro Il1s\lI'IIIIOII fOI'lh\l oxprlls~pllrpORo of pllyln!!lho nlort!!IIBo In tho IlII0II! of olthlll' pIII'!Y'R, QolI,lh, ' .\ ',,' , ,',' ThlR hilS IIIWllysb()OIl'lho p\lrpORO oflhlllPllI'lloilhll' 30-yoIII'lorllllnsUI'lIl1llolpolluYI This IR ,ovldollllod by Iho 1\\01 Ih!ll my 11110111 ool1lllllllldlo PRY Ihll hlS\lI'IUlllo 111'()mh1l1lSOIl solt:! pulloy " from Iho limo of sOPlII'lIllon 111111I Iho pl'ollolll bollovlll!!lhlllll WIIS Jo nlly PWllod, Onoo tho " MllrrllllJO Sollllllllolll A!!rOOIll\lllt WAil Rl!!1I0d,lIho OOlllllotod Erio 1119\11'111100 Ip !!elllio polloy' '" Irllllftfortodsololy Inlo hOl'lIl1mo,AI Ihlllllmo EI'lo Infol'll1od hOl'1I1111 it WIIS nolll Jolnl polloy IInd Ihlllll WIIS OWllfld Rololyby MI'. Lohllllln, Thoy WPllld nol 11\111111 oVfml \l'Allsfor oWllol'shlp to hOl' wltho\ll hili pl!!II!lIUI'O, If my 0110111 hlld tholl!!hlllml Ihlll wns not II morlSII!!o IIfo hl9111'nlloo polio)'. Iholl sho would nol hllVo oOllllnuod III 1Illlko PllYIlIOnla posl-Sopnl'lIlloll fill n 111'0 hl11111'II1100 polloy llWIlIld by Mr, Lohmllll,,1 bullovo II would bllYnll' nlld npllI'oprlAW to,ntlompllo,ro!loh nil ' ABrOOll\olllll~ 10 Ihla pUI't1oulnl' I~RIIO, "', I" ' "', ' , .' " " Itl nddlWIIh Ill)' oUOlI1 hns Inlorlllud lIIulhllt Mr, Lohmllll hns lIul )'utl'otrluvod lhogo.u!!rl; liS wull liS one olhor Itom fi'om hol' hOlllu, I'I0IIso noto Ihlll sho Wllllukulhul'ORllPnslblllty uf ,. ItRlhl!!.lhll gO-OIlI'I fu,' slIlo IIl1d liS nolod IlIlho Mnl-rln!!o Solllomllllt ^!!I'Oomullt.~hll w1II1I9! II for ,,$700.00, Onoo hOl' oORt !\IId runsollllblo slum!!o foos hllVo boulI pnld,Hho will Rllllflho I'Umnlnltls . 1\\'oUollda pUl'S\lUllllo Iho i\Brolllllollt. I' " " ,,' I' I '"' \"1 + -, t 'Ii 'I It"" , "I ,. , I" " " " ' '. ! ", " ,If, 1,"Mllrk P'1 ::lohWI\I:llll 1~~rl\ljI'P,horo\lY 1l01'1lfy t11l111l11 IhlQ dlllp!l "'''0 !mll lllllTOlllollPY nf , . ,. ,I 1'1l111l1l11 fill' ~I1Pllhll 'RoUpf wn~ ~IlI'Vlld hy OI'M oln~~ Unltlllllil!llll~ 11111t1,Pp~tllllo pnlrl h\.()III'Uplllj 'PIlIl1\1iyIVnI111l17013, Ilpnl1 t1W fpIlPWII1111 j,1 " Ilr!lellIlY J." Orll'Olll Un1llllrll Ol'1l111l &. A~lllilllnloR' 200 North H!ll1llvoI' SIrllll1 C!lrllalo, PA 1701;3 '\'J ;t. " I' 'I, ., " i "m~.N, M\I~IGI"r & Huanll;S 1f/4tvk. )~dttf7~., MIII'k >>. SChWRl'lz,ENqlllrll 6() WIlPI P\1l\1lfol Slroot .' , Cnrllplll, POllllpylvnnln 17013-3222 717.249.2353 II,j ;'1 ,. .j ;1 I3YI Iii '. .,. , "I' , Dllt!')1 NpVlIl\1bllr 9, 200n I " , .' ,', J " " " ",J " '.j' !I " , "ii' " , , )I ,. ,. "I .1',,;' " 'I :~~ 1:1 \ \,., , " ,t,,: /.. I , 'i. . " .. .'.. I.. " ~ '-," '1".1. i' , f.,., I . ); ,'" ( j '.. , '1.;\ 1" .' ,i (Y-.\ ';.. I .;') , t, .;!:;; . 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" " (]RA/Q 1\; LJi1tJMAN, UllfIlIU'""lIJ'flllllllnllr 'I' I' olunm OJICOtJJt'f ANDNOW,IIPOllOpllalllpr!ltlpii pflhp!lllllphpd l'lltlllon, It la,hllrpby 11IrCOllllllhllllh~ pIIl'lllla IltHI tlllllr rllapcpHv~ cl?Unalllllppollr hpfprp thp cUPlo<ly cO\1!bl'onoo Olllcer ol1lhp " . dAY of ", Z003, !ll p'elook -'-.,M" luonlpd 11\ .-lthr II 1'1'(1- ,1Ie1lJlnB Cllalody CPlllbrlll10e, At Plloh Conlbl'enoc, 1111 eOhrt wlllllll'll1ndo 10 resolve Ihe Ipsuea In , dlapllt\l: orlflhla 0!l11l101 ho lIuoon]pllahQd, tod\lflno IInell1llrl'Pw Iho laalloa 10 be hOlll'd bylhe , ,Collrt, 111\(110 enter Inlp Q Temporllry Ordllr, All ohlldren nl:lo flvo ur older ph!lllnlau bo pres~nll\1 Ihe Conference; FAlluro tOllppellr nt Iho ClllltbronOll, m!lY pl'Pvldo urolll,da fpI' enlry of II' , lempornry PI' pprml\nollt order, ' ,', ", "'1 . FOR Tim couln: " " " Olllo: ' " " CIIRtlldy Contorenco Ollleor' " " , , YOUSHOULP TAKE TillS MilER TO YOUR LAWYER AT ONCE, IF YOUOO 'NOT IIA VE A LA WYBI~ Oil CANNOT AFFOIlD ONE, GO '1'0 OR TBLlWHONE 'fUEl 017FlCE SET FORT' 1 unww TO FINI) OUT WIlHitE YOU CAN GB'I' LEGAL' llfiLI', Clllllllorlnl1Q COli Illy 11/lr Ailsoolnllon 2LlhoflY AVenlle , CArlisle, f10nnsylvnnln 17013 , (717) 249.3166 I, ,,' .,. ., 'Ii " " j' ...1 , I' "I " ;'j, i! I' " " :r' i" I' " " , ' I, ,i' , ~ I " " ~t, ii " " I' " " 'I. ili . I', I,~ , ' I' 1',. " I', >I; ~~ 'ff' '" "I " ;;1' "i', " " '" , , " " " , , '. f"" , " " d i' " " I " " " ',,, " " " " " 10 , " " " I~!' , ' " " ,r I, 'I " ,. " , I"~ . " I' ',I' lit' " ,,1;,,; I' " j, " " ,I I, 'i, J " L" '-., If " " '" :1 I' ,', '," " " , II , " " " i'jl " " " , , " I 'f, j; I' , 1 ' " " d I'" . , ". I'" " " ;' 1\ I" " , , . " ,. " ", " " !' , . il " ii, .' ',. :1' ., ..." '.!;'", " '. " .. I .' " " .' 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Dlllllso Ie, SlIlIe, shnll olllllhlno III 1l1,1")' le!lnl nud IIhyslclIl 'ulIsllldy Ill' I~C RllhllCcn J.llhlllllll, hlll'U . , , SUllllllllhlll' 21, 199111uII (Mll'lulIu MIII'IIl Lllhllllln, hlll'lI MlII'eh ~1I, 1999, 'l'Il\~ . I'lIlhCI'1 9'nl!l AI l;chllm'lI Uhlllllllt,/lI)' p'IlI'llIds III' IllllIlllll'IIl')' 1I1lyslcIII Cusllld)' wUh Iholl1ll1CU'llhlldl'\IIl ns I'lIlhlWSI " II, Whllnlhu I'lIlhlll'lli In IlIllMcchnnlcshlll'IlIII'I!1I lnllllllnlles lII'I'IIlI!llllllllllls In ,llIlvlIUCIl \11 \'Islt KC hI cllnJuuctllln \l'lIh thll CilUlISIlIIII' III Gnllhmco A/isllcllllcs liS Iho lInl'tlcs III"'ll dunu III Ihu III1N\, I'l\lhbl' shllll hu IIl'fm'dclfn wcclillllll ul' IUllllllII'IIl'Y cllsltldy wllh IW, " '11 " '.. " [ILliIH)(I'ICi: " , , 01; lHr. FlK.I)I\():~(YlrJw ~ Wi ,)\)1I ) (' 1'1'1 l~. r.Jr) " ~' , l. t' , " " ('Ut"', " '.111"11"1'11 .) :ll::'!,_'l'.";'. -,'\.'.,.-1 . '1'I:I'ji'!:'YI.\i,\:',!IA 1 " " ,. " " .. " " ", " I, " " '1 " IL. I' " " " '. ,. 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CUMIlICI\MNn COUNTY" clvn"J\U"'c . utI I'HoCICPPlm 1911i,3-/l{h), Ihll "'"I11I'slllnp,IClIslllllyC'III11llllltlll'Hnhllllls' Ihll fullu\vlnu l'IlIIlWII ' I, 'I'hll IIIlI'llnolll Inflll'Il1Illlnn IIOI'llIllIllIp III Iho llhlhh'lln wlil! 1II'1l Ihll sllhlplll Ill' this 1I11UIIHIIII Is liS 1'lllh1WNI ", ' 1\0 Hllhlllllllll'llhll1nn, hlll'IIS11Jlllllllhlll' ~I, 1~91 1111I1 Qnlll'lollp MIII'IIlI.IlIIIIIIIII, IIIll'n MlII'llh 311, 1999,' , . , "" , , ' , I'. II ~, .. 1\ Cmlllllllllhm Cnnflll'llllllll WIIs hllhl nn Mil)' ~fl, 211114, wlthJllll f'llllllwhlll h,,"vhlllllls . In 1I1lllllllllnllol .. ,. '. . ,'I'holl1nlhol' Uiilllso SlllIll, wllh hOl' CIIIIIIscl, SlllllllOI ^nllos,JCs(!lIh'o, Iho I'lIlhlll', CI'IIIIl .. A, l~llhmnll, wllh his llulInNlll, CIII'l1llnYlllluwslll, " " 3, Thll CUIIIlIIIIIIIll'IIIII'11I1l1 wllh Iholllll'lI11H Insl SIlIlI0Illhlll',2(l1l3 IIIllhls IlIlNIl, 'l'hIH Is n SIlIlIlIIIl!1 Whlll'O lhol'lIlhlll' hns IlIIfhnd II 1l1'llllllllllllllf' Ill'hu'IlIllII\IIlI wllh lhlllllhllll' , chlhh'llll; ')'hol'o WIlS IIlI IIgl'clllllllnllll Sllllllllllhlll' Ihllt Iho I'lIl1llll' wunlll slnrl slllllnll Ihll chlllll'OIl wllh II 1'lIlllUIlllul'/lllIllllSllhll' hlllllS hlVulvlllI, 1'hll 11I1\1111' IlI'IIIlI11lli Is tho ' I'lIlhol' Uvc.~ I" Nllw HnmIlHhh'll. 'rhll'1lI1111101' hllN' ellllcoi'ns bClllIlINC .Iho fl1lhol' hilS hccn III 11I11111111 uf Ihc chlllh'ml'S lives III Ihll IllIsI 111111 Shllfcllls Ihllt Ihls ly',IolIl' dlNI'1I11111111 hilS Illlllscll 1111\111I' IlI'nhlcms .wllh 1"0 chlllll'CII" IlS11llcIIIIly KC;,' Thill Is tho I ,Ithun!'y l'Ollsnn why Ihc conllNch'" nelllls III lill hlvlllvod. Mnlhlll' I1lsl1 hilS COIICIlI.'lIs, hCl!lInNo 1'111 hili' hllN ollly COlllO down, IIcllOl'IUnllln 1lI0thlll', tWII Ihncs,slllco Slllllllll1hol' hi NCC Iho' chlllh'oli. )rlllhlll' Is sCllklnS II slllndlll'd IYllb III' vMlllllnlll1l'l'lInllonllllllllllll IN 1"'III"lsllllloIIO Wbol\IlIIlIIICI' 1111111111. HOWOVIlI', mnlhlll' WIIIIIs 1\ollllllllSIlhll' hWlIlvcd' IlIllX\lhlllllles Ill' CllsllldYUlllllIllll'O lIl'~Ulhlll' ISSllll~' 1I1ll111I1'llcs cnllllul 1I1ll'CO "IIIUI,' ,. I . . 'I'hll CIUlcJlhlhll' .hellovcs II hClII'lllUls l'c'IulI'cd lUld I'CclIllllllcnds IlII 0\'1101' lhlll wlIllhl U1nhlhlllllhll slntns IIIlU Illllllllulln lIelll'lllll'. , . " , I; " .",. Ct ~[() V! l>A'I'IC .. a~"",,,,. ClIsludy CIII.cllhlllll' 'Ii ,! I, " " liiEliu\,II:I: (:i: '11 I!: I':VII\ \UJ'.I\I'Ii'l .'(i " (,t1\IIIIII,Hl III I'i 11\1 o;~ C;\,I~/.,ll, '..,' 1',OIJi'IIY I 'hl,i1 leNtV,\!'!I/\ ., '\ " ," I' " " " " , " " >. p " f' /il,\t>HJm. f., Alnmf:l Nf'l'IlUNI'Y t\T ,....w ~~n HUll'" 'f1'/n'\'II Wl'''~Vl' "n,pnll l~n , "'lIfNII, J1"Nlf~y,.v~li1^ Itllil1 ' ii 10 I\llg\l~1 ~004 'rW~*"II\"'A {IlIIUI'A~AI 1'411 I!III rAI""'" UNUl't. PAJLA..8/l " , '1'1111 Hllmlr(lhl" J, W".I~V alllr JY~1l1l ~f1hll Oi,illn !If oommon 110M (Jllmp"rl"'n~ QIHlnty Q\.l\H \hIM" , OQllrthQ\.l~'" flqlll1r" Ollrlllllo, fA ,171 O(t , RRI '''''''1." fI, tlnll Vi, ()'~/" A, t"hmll', Nfl.' ,,,p ,(17:1 ", PilAr ,'lItlgllPlllrI , , " Thll QbQVIl ml!lttnr In Qllh dulflrl for 1,1 QllftlQ\1yllllllrlnu t,II~torll Y\lU tl1nWlIl,lW' " . IIftllrn~lln, I r.prllQtmt thl! Plllln Iff ~nd Ollrll Ilovnnpwllkl, auqqlrlll rllllr~lIl1nh Ihl$ Pllf\1nrllmt whn.,lfI 1hll mllvlnllfl rlV, '., ". " " ,l Oounlllll Iho\J\Jhl WII hAil 'llIlIQlvoll thlfl!11Qt!lIr flomt:l tlmlll1110 but, ~t:lllllllflU of II, ~r".kdown 1n,f;lommLlnlolltlllnQ, Wll hQVIl nul I,Jtllll1Qblo tl'l fln!lllM thl! \1ttt1ngllmllnt. t~ ' which wull Mrllllll, '.AIIII rl,1,ullt, nolthllr flh.tuIII proplIrllrl 10 prollllud with thl! hl$IIrln" " tomor,rnw, WI! blllll,lVll thQI, wi h QddltlonQI 1111111, Wfl I1111V bOIlPl1l to r$lllllvu tl1ll1 ml.ll\uI bV .' ' II,grllomllnt wlth\'lLlt II hlllrlnn,' " " " " " I, " , AOllllrllln\lly,I. wrlll!,rm ohnll 01 lIoul1l1ol for hllth Pllrtl-., t~ r~ll"/lQI lhllt , tllml,1rfllW'~ t1ll11rlnQ bll liMO. "'Ill I II YQU I1rl,l wllllnll tl'lllllnllnllll tho.mllttllr 0l111l1tllllV, . . 1l0UI1~1I1 fllr I'Inlll,lfbllth uf tile Qrtl,," Will flllt bQl,1k to YU\.l If II hOQrllig III o\lb"ftquontly , nllf,lM~,uv,1f YOII prlltllr 11'1 rllo hllnulll tl'''' hlllitlnQ tll Q ~I'I'" oortClll1, I rOl1ullat thl.lt you glvo \.Ill tWIl mllntho tlr moru tl'l try work Quttl111I11llt dutl1l1/l M th'" llgrllllmllnt IIndlllltfln or~.r In Yllur hundll, . , . " , MVIl oont II oupy uf \II " lottlllr tll Mil, l3llyu"ow/lkllllid t_quo,tlld that ~hll Ill:H\tlll'lt vo~ir Ilfflo8tlloonflrrn hl'lr olin 111 to tomotrllW'll' houtlnrl bulnll ol1nuolt!ld: 'fhonkYllu 1m , your IlttontlOh III thlfllllllUllr, . ... d 61nUIltely, " " !lQll1ulIl L, AndQu aml1 " .' , 1101 Carll A: !3oVllnowekl, a qui to lvlll lax ~ 6117-4006) Cllnlbll ~, SUl,I'! " c0lG0 vlh aT 1:"Jf1i;JT0/T0d Bb~ , " SE!OHi;J 1~i;Ja SI:I'T-T91,-Ml. ,J ,.. ""'t' p~Nlag g, f3TINr;, fOrl11Qrly , pgNI~g ~, I.gHMAN, PlAintiff va, I I I I . I ) ) ) )' IN TH~ COURT OF COMMON Pl.gMjPF QUM~f.RI.ANP CPUNTY, pgNN13YWANIA , )i CIVIl. ACTIoN, I.AW NO, 199a.B73 IN CUSTOPY . " QRAIQ A, I.gHMAN, Pllf!meJAnt ORDER OF aOlJRT .ANP NOW thla, -b....tlL eJflY Qf '_~LQ~~' .. .'.! :2004, I,lPQn tllll Stlpullltlon of thll pmtllla, by their IItlorneya, wallflreby order Ilncl (jeOrfllllla follQwijl 'I, The. pArI lea Ilhllllllh~rllleglll o~'atocly Qf thalr millor ol',lIeJrelll KC Re!JaOIHl . , . 'l.llhmllll,born September 21, 1991, IlneJ QIl!Jrllllla Mllrllll.ehmlln, !JQrn Mllroh 30, 1 aa~ .Ilricl ahllll oOf,lparlltllln t/w Ilxohllnge Qf InformlltlQn Ilnd the QonaultiltlQn to mllkll cleollllona h31]Ilrdlnll the lldllolltlon, hell.lth Ollre, rellololHI trlllnlng, Ilnd other algnlflolll1tmllHera'ln the " .. I, , ", ohllclrenll' IIvea,.. The pllrtlea Ill]roe thllt, beoEluae the ohlldrenolJrrllntly raalcle wll!, the. Mother, Mother ahllll hllVo full Eluthorlty,to milks deolalona Intl1l3 El!Jaenos Qf FElther In the avent of Eln emerllenoy, '. . 2, Prlmllry PhYllloElI ouatocly of both ohllclrah'ahElII !Je Ilnd remElln with their Mother, Pelilae g, Stine, 3, The FEltllllr, CrllloA, l.ehmlln, ahElII hcweand enjoy the fQllowlnoperloda Qf temporllry oqatody"of 'the ohlldren on th~ followlno aohadulal . a, Ona weakend per mQnth,. oOI')1mll~olno elth';!r lata. FrldllY Ilfternoon if ',. or SElturday mornlno .Elnd oonoludlno no Illtar thEln BlOOp ,m, QnSundllY, ihaaa periods of temporElry oualody with Fllthar ahElII !Je exerolaed In ", " ,It PllnnaylvllnlEl !Jut not at tha home ,0.1 FElt/lIlr'a mothar, !3ettyZandt, . b, For a period of eight oonaaoutlva dllya eJurlng the l110nthllf Jllly 2004, oommenQlng on II SlIturdllY IInd aneJlng on a Sund'lY at 6100 P,tn" tho apllolflo dlltea to be mutu'llly Ilgroed upon by tha partlea, The Fetllllr'a weak of temporllry oustody mElY !Je Elt hla 1101110 In Clllramont, NllW HEll11pshlre, , , " ,1" '\ " ,,:- . , 1-1\ L i 1l.H " " II", Jt;i ",Ij( ., 7.'1" I' , , 'l. I ~) ;lUI/;i q I : I',' (:I.J':: ~I r t: ! ~'1 ", !j( " Ii ':. H d 1'1' " " " '1; .,' '!< !i " " ", " I, "II " " , ' " , '('i' '" if, h j, 'I" I " " , , , " " , ' , ' " " " , !: '1, " " or '" I' " ",. " j' 'I, ,','I' " " . " " II I', " " ii' " II, If l[ " ii' ."'1 I' " f~' ";, " -), ,J j1 ,I' "_l " I' /'., (I' ," ~ , ~ . ~ 'j " " , ' !I " :\ I"" '1 " .. " 'I " . ..' p- ,. . , II P~NI13F. ~, lSTIN~, fornlPrly . DF.NI13F. F.,~F.HMAN, Plnlntlff I ) I I I I I I I IN THf! OOURT OF OoMMON P~F.Al3 OF CUMflF.AhANP OOUNTY, pF.NNaY~VANIA OIVlh ACTION . ~AW , " !, VII , , NO, 1 fJaa,673 CRAI~ A, hF.HMAN, Pofoml~,nt ,.i' IN CUSTODY " ',', " " . STIPULATION .. ,AND .NOW Qpml1 th~ npQva'l1amoct pElrll",a, Py thfJlr nltornoYII who MO nutllorlzEldtll OXElQutfl thlll Stlpull1tllll1lln thaiI' pahalf, aliq 1111pulnto tH1c1110rElEl thnl,lhl1llttnohl1Qprctor of oourl ho ol1taroct t'o rOllPlv/l tho ml1ltElr llohoctulaQ for 11 hanrlno ,pn AuoLtat 11, 2004, " , I, c~._~\ill~ allmii~~Q~~ Attornoy fOrPln,?)If~ ' , ..., Ofltol II , "'~...9J.t " , " .. " " , " '. QOO@0itJski CarnA, I3PV~~llkl .. , Attornoy for Ollfanctant 'DataU),~ ,," " 'Ii " " , H! f /, " I j, "f, "" 1', " I'