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HomeMy WebLinkAbout14-4408MARO & MARO, P.C. By: Robert A. Maro, Esquire Attorney I.D. No.: 89585 1115 West Main Street Norristown, PA 19401 (610) 275-9600 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA RE: Joint Petition of J.G. Wentworth Originations, LLC and J. Urban p-p-itioP NOTICE OF HEARING ON PETITION TO TRANSFER STRUCTURED SETTLEMENT PAYMENT RIGHTS To: MetLife Insurance Company of Connecticut Attn. Legal Dept/structured Settlements do MetLife — MRMR 2025 Leestown Road - Suite J Lexington, KY 40511 Travelers Indemnity Company Corporation Service Company 2711 Centerville Road, Suite 400 Wilmington, DE 19808 J.G. Wentworth Originations, LLC 201 King of Prussia Road Radnor, PA 19089 J. Urban You are hereby given notice that J.G. Wentworth Originations, LLC has filed a petition to transfer structured settlement payment rights. A hearing in this matter has been scheduled on , 2014 at o'clock in courtroom no. courthouse, Cumberland County Court of Common Pleas, Pennsylvania. You are entitled to support, oppose or otherwise respond to the payee's petition, either in person or by counsel, by filing written comments with the court prior to the hearing or by attending the hearing. The Name, Address and Tax Identification number of the transferee is J.G. Wentworth Originations, LLC. 201 King of Prussia Road, Radnor, PA 19087, Tax D. �. 20 72;;:85. Date y E o vire Attorney or J.G. Wentworth Originations, LLC. 1115 W. Main Street Norristown, PA 19401 (610) 275-9600 (610) 275-9666(facsimile) MARO & MARO, P.C. By: Robert A. Maro, Esquire Attorney I.D. No.: 89585 1115 West Main Street Norristown, PA 19401 (610) 275-9600 Jut'Liz- Priv rtioivo 204 2-, R r Pe' ,S V rC COOPT NIq J Y IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA RE: Joint Petition of J.G. Wentworth Originations, LLC and J. Urban NO: )14,001 JOINT PETITION FOR PARTIAL TRANSFER OF STRUCTURED SETTLEMENT PURSUANT TO STRUCTURED SETTLEMENT PROTECTION ACT, 40 P.S. 4000, ET SEQ. TO THE HONORABLE JUDGES OF SAID COURT: And now comes your petitioner, J.G. Wentworth Originations, LLC, by and through its attorneys, Maro & Maro, P.C., and joint petitioner, J. Urban, and in accordance with the applicable rules of Pennsylvania Civil Procedure, hereby represents as follows: 1. Petitioner is J.G. Wentworth Originations, LLC. ("Buyer" or Transferee"), with an office address located at 201 King of Prussia Road, Radnor, Pa 19089. 2. Joint Petitioner is, J. Urban ("Payee"), an adult individual who resides in the County of Cumberland. 3. This Joint Petition has been verified by the Transferee, J.G. Wentworth Originations, LLC. and the Petition includes all necessary information as prescribed by PA R.C.P. 229.2(d) et al and Section 3 of the Act, 40 P.S. §4001 et seq. 4. Pursuant to PA. R.C.P. No. 229.2(d)(3) there are four (4) attachments incorporated herein as follows: a. PA R.C.P. 229.2(d)(3)(i) Payee's Affidavit in Support of Petition. Please see Attachment/Exhibit "1"; and b. PA. R.C.P. 229.2(d)(3)(ii) An Initial Order of Court Scheduling Hearing; c. PA. R.C.P. 229.2(d)(3)(iii) A certification by Robert A. Maro, Esquire, attorney for transferee, J.G. Wentworth Originations, LLC.; and d. PA. R.C.P. 229.2(d)(3)(iv) A Final Order of Court Granting the Petition. 5. Joint Petitioner, J. Urban, is the beneficiary of an annuity owned by Travelers Indemnity Company and issued by MetLife Insurance Company of Connecticut. The structured settlement provides payment to the petitioner as described on Attachment/Exhibit "2". 6. Joint Petitioner, J. Urban, after having the opportunity to have independent counsel review the agreement; knowingly, intelligently and voluntarily waived his right to independent counsel. A copy of the waiver report is attached hereto, incorporated herein and marked Attachment/Exhibit "3". 7. Joint Petitioner, J. Urban, proposes to enter into a purchase agreement with J.G. Wentworth Originations, LLC., its nominees, successors, or assigns, whose address is 201 King of Prussia Road, Radnor, PA 19087, who will purchase the following from Petitioner's structured settlement as follows: A) 1 payment of $10,000.00 on August 1, 2016 B) 1 payment of $10,000.00 on August 1, 2021 8. The structured settlement is currently owned by Travelers Indemnity Company and issued by MetLife Insurance Company of Connecticut, and the net amount in return payable to J. Urban is $10,500.00 from Buyer. A copy of the Purchase Agreement, Exhibit "A" to the Purchase Agreement and Disclosure Statement is attached hereto, made apart hereof, and designated Attachment/Exhibit "4". 9. The net amount payable to the payee after deduction of all commissions, fees, costs, expenses, and charges is $10,500.00. 10. Based on the net amount that the payee will receive from this transaction $10,500.00 and the amounts and timing of the structured settlement payments that would be assigned, the payee is, in effect, paying interest at a rate of 16.90% per year. 11. The Buyer furnished J. Urban with a Disclosure Statement pursuant to 40 P.S. 4003 (See Attachment/Exhibit "4") at least ten (10) days prior to the date on which J. Urban first incurred any obligation to the Buyer. 12. PA R.C.P. 229.2(b) requires the petition to be filed in the county in which the payee is domiciled (See also Section 4 of the Act 40 P.S. §4004). PA.R.C.P. 229.2(c) also requires both the Transferee and Payee to be parties to the Joint Petition. Both requirements have been fulfilled herein. 13. Written notice of the Transferee's Names, address and taxpayer identification number has been given to the Annuity Issuer and Structured Settlement Obligor. A copy of the Notice to the structured settlement obligor is attached hereto as Attachment/Exhibit "5". Joint Petitioners wills also serve written notice as required by 40 P.S. 4004 upon all interested parties. 14. The Joint Petitioner's best interest would be served by granting the relief requested herein for the following reasons. Joint Petitioner is married and has two (2) minor children. Joint petitioner has never transferred payments under the annuity in the past. Petitioner recently has her second child and while off on maternity leave; the family accumulated a lot of debt. Petitioner will use this money to clear up the debt and to support her growing family. Petitioner has thought about this decision fully and firmly believes that this is in her family's best interest. Petitioner fully understands the terms of this transaction and knowingly entered into this purchase agreement. Based upon the foregoing which shall be expanded upon at the time of trial, the transfer is clearly within the best interest of Petitioner and family. 15. Petitioner will provide written notice of the transfer to all interested parties, including Payee and the Annuity Issuer and Owner. Non -redacted exhibits, identical to those redacted exhibits filed with the court, have been served on all parties. WHEREFORE, Joint Petitioner's respectfully requests this Honorable Court to enter the Initial Order attached to this petition which shall schedule a hearing so that Transferee and Payee shall have the opportunity to discuss the purpose and reasons for the transfer and after hearing thereon, respectfully request that this Honorable Court enter a Final Order approving the Transfer of Structured Settlement Payments Rights as is mentioned herein. By: Maro & Maro, P.C. Respectfully Submi ' ed: obert A. M.� o, Esquire Attorney for Transferee VERIFICATION I, Lori Borowski, Vice President of J.G. Wentworth Originations, LLC, have read the foregoing Petition to Joint Petition to Transfer Structured Settlement Payment Rights and hereby aver that the statements contained therein are true and correct to the best of my knowledge, information and belief. This Verification is made subject to the penalties of 18 Pa.C.S.A. Section 4904 relating to the unsworn falsification to authorities. ori Borows i, Vice President 17- 2 5-2.0l4 Date CERTIFICATION OF ATTORNEY FOR TRANSFEREE I, Robert A. Maro, Esquire, attorney for Transferee, J.G. Wentworth Originations, LLC, hereby certify to the best of my knowledge, information and belief, formed after reasonable inquiry, that the Transfer will comply with the requirements of the Act (40 P.S. § 4000 et seq.) and will not contravene any other applicable federal or state statute or regulation or the order of any court or administrative authority. I, Robert A. Maro, Esquire, attorney for Transferee, J.G. Wentworth Originations, LLC, hereby verify that the facts and statements set forth herein are true and correct to the best of my knowledge, information and belief. I understand that false statements made herein are subject to the penalties of 18 Pa. C.S.A. Section 4904 relating to unsworn falsification of authorities. V7 y Date . aro, Esquire Attorney for Transferee, J.G. Wentworth Originations, LLC MARO & MARO, P.C. By: Robert A. Maro, Esquire Attorney I.D. No.: 89585 1115 West Main Street Norristown, PA 19401 (610) 275-9600 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA RE: Joint Petition of J.G. Wentworth Originations, LLC and J. Urban • • • NO: CERTIFICATE OF SERVICE I, Robert A. Maro, Esquire, hereby certify that a true and correct copy of the Petition for Transfer of Partial Structured Settlement has been served upon the following entities via first class mail and/or certified return receipt requested and/or email on : To: MetLife Insurance Company of Connecticut Attn. Legal Dept/structured Settlements c/o MetLife — MRMR 2025 Leestown Road - Suite J Lexington, KY 40511 Date: Travelers Indemnity Company Corporation Service Company 2711 Centerville Road, Suite 400 Wilmington, DE 19808 7 S-Pf J.G. Wentworth Originations, LLC 201 King of Prussia Road Radnor, PA 19089 J. Urban . Maro, Esquire Attorney for J.G. Wentworth Originations, LLC MARO & MARO, P.C. By: Robert A. Maro, Esquire Attorney I.D. No.: 89585 1115 West Main Street Norristown, PA 19401 (610) 275-9600 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA RE: Joint Petition of JG Wentworth NO: Originations, LLC and J. Urban Entry of Appearance TO THE PROTHONOTARY/CLERK OF SAID COURT Enter my appearance on behalf of: JG Wentworth Originations, LLC. Papers may be served at the address set forth below. By: Respectfully Submitted: Maro & Mara, P.C. ob A. Maro squire Attorney I.D. o 89585 Maro & Maro, P.C. 1115 W. Main Street Norristown, PA 19401 (610) 275-9600(office) (610) 275-9666(Fax) ATTACHMENT/EXHIBIT "1" £6'd Payee's Affidavit i<ti:ap ort of Petition to Transfer StructuredSettlement Rights I,1 . Urban, the payee, verify that the statements below are true and correct: Payee's name, address and ale: I urban, Cumberland County, Pennsylvania. 1. Marital Status: Never Married; Married; ___ _ Separated; Divorced If married or separated, name of spouse: A Urban Jr. 2 Minor Children: and other dependents: Urban- 2 years old A Urban- 2 months Bath dependents reside with husband and myself 3. Income: . I work at A medicine in their medical records department, my annual earning is $16,650. 4. Child support, alimony or alimony pendente lite: Obligation to pay: Yes ... X . No If yes, state the amount of the obligation, to whom payable, and whether there are arrearages: none . S. Previous transfers: Complete the below for competition deals only or BUCKS COUNTY if.IGW Amend. If prior transfers were with JGW then juat type .See .E d! 1blt "A". Have you previously filed a petition to fra Sfer payrnerd rights under the structw'ed settlement is the snbjeet of this petition? Yes __X NO if yes, for each petition that you filed, 98LL-069-L 4L Aidgoe d6r900lnr (a) If the. transfer was submitted for cOurt apprevali liststhe court, the case caption and case number, and state whether the cotirt approved or disapproved:the transfer; If the transfer was ipprOVed; (b) State the nate of the transfbite and identify (listing due dates and payment amount(s)) the payments involved in the transfer: State the amount of money and the manner in which the money 'Wag Used: (C) Have you ever transferred payments without court approval? If 03,131caSe lain: No 6. Reasons for trantrer: I just had a baby and would like tO pay off some debt we accumulated while 'wits off on unpaid maternity leave. It would be extremely helpful for me and my family if we had .this ittOney:te*Oport our new born baby. 7. l'aYMie0 of debts: If you seek the transfer in order to pay debts, list each debt, hleluding the name of the creditor and the amount presently owed: Debt Creditor Amount Owed 14edietd Bills- $2,500 cmtlit *Card $$00 98:14.7069•LI.1 Au gag d PI, 1.1) (nr Verifieatinn I verify that the siatanonts made in this affidavit are true and correct. I understand that false Statettents herein are made subject IQ the penaltie4 of 18 PaeS. §49K refalipg to unsworn falsification to auUlorutLes. gvd g8t1.-0 Aid qd? d 14P:90 ill. 1,0 Inr ATTACHMENT/EXITI$IT "2" 3111.23.2Q 4 1656 J024014 4:5429 PM MetLire 401-0/-1114111 tido Elit: Min[gash Urban • Aability Itt Olney Travelers tadentalty CompAgy PAGE. 2/ 2 212 Deer M . Urboo: Per your request we are 131.0vIdiotthlo. leittet ee eaten of yeet ev11010 %tont Aspire oftltesbcvo refetenced.etruetereil iittleteent,. NWe keep thip lettet In n life Otte ter Mare refereges, Triovehii jodenullty C ttsthe owner Of the 4_41Vittltd,0060.0 711.3.r.0+.0bo .iighta,htogeet, of thie ii*Ity.teeldeiy1t1f the OeitiO*111104andft• " • Bob* is A doeorlfttiofl of ottyrophte ht youare eattitled to .tegler. the .40eoletkreoped otritotuttO tetilleueOt: • al'nrintood hiriVatinipaYthOlte thiloter. • sloppotock ogo pe,sieffle. en.ikupet 1, 2016 tO;000,00 pisbk MOW ..1, 2021 .Pisafft**1' tk tale e,eopy .14.e(4.1. . eerheot or. eny Otbar leLjel dodment roarUn your entuty you ivill•Iteeil toe0.0tiet theettorn�y:e4ih toad the oeee. Or the emit where the.000.* " shook, youhoe firrthet gonsthins, plegia contest oar CuSpinterAsM elce !Oor Prozil.:1;itt 1111(456.2104 MoatlitYlthrOu0 PriOav (hobs the hours AOtWit littserelyi s•gcttetured Settletnents CS: 146626044141 ATTACHMENT/EXHIBIT "3" • Xtivirpri ID Plebse complete ad sign,: SPiTtiv! 'T'Oir_fR(WkSS NAL REPRViStt4'I'A:11()N EitIVir,00*.A ::,130:!* 0di • A 1r you l'Utmo iho iiiit!ropriko b,OX Si, YOU SHOULD SIGN A)1%a.N' 'ON' I30X YOU. I HAVE BEEN ADVIS.E0'0V JX.. WEN:Me-MTH O.RIONATiONg, LLC 'MAT SH O LILO 00:CNIEN-INtig.:PCNOFINT .PIROFESSIONA L REPREUNTATION CONiCERNINg THE LEGAL, TAX AND/OR FINANCIAL IMPLICATIONS OP Tt.I.IS TRANSACTION. FL! L 11.:VPERSTAN4 THZ PGRCILEASI:: AGRI:EWAN.* AND 'TH ATIONS OF THE. TRANS:Ft it, Kcir.V.orNic., THE TA* RAMIVICA41.0rNS 047 TUE TR ANSV.F.k AND I 00.NOT WIS11 TO SFEK OUT SIICE INPITKNOENT•PROFESSIQSIAL RtrItlf;SENTATION. bt. r--- B. 1 NAVE 5.113TAI NED INDEPENDENT REPRESENTATION AND I 'FULL* UNDEROA NI) f THF 1,4GAI..., TAX AND/OR PI N A r'810A I, likol P L I CAT ION S or -rim TRANSACTION, r TttE Pt.FACHASE A9gEE114EN*11 AND: THE RELATED TiOcUWIVNTS. I W4', NOT itgOgitkpa To MV rioils.tioNAL, Apvikoil Wi' 4.(,:w. ME NriAtE (*. MS PROflOSIONAL Mt4igto#:11.$ SET ,F.O.ITIIi 8P.;(3.W: J Ri14N fligm of , .P1)pop Addivs: 1)141 - Tri Re•Comprfed By Coll:fled PrOfessiotol -Only bv,you „haw H'Aboir A I lur acy TD,k • pave.pc-muipity alvt•wich afy,i provitio indqvixicot tv,: to ujihP hnr:t JCIA. trapstht.tien cpsteinpktv..t Olere6y,Ji,a trtrari Iriks fokrp.Ntiirync by OK ....„ licktre,mit;rtal'o. Stsitatum• page paler ATTACHMENT/EXHIBIT "4" Account ID: 532485 URCIIAS•E CONTRACT This'is a Purdhase Contract ("Contract") for Vie sale of structured settlement paymei ts.between J Urban (You,. Your), and•J.O. •Wentworth• Originations, LLC (We, Us, Our) 3993 Howard Hdghes.Parkway, Suite.250, Las Vegas, .NV 89164'-6.754. BACK4.1001 A: In connection with.the resolution of.a perSozlal•injury claiim, You or someone. acting. for You, signed a •.Settl•ementAgr'eetnent that enti'tles•Yen toreceive oertarn future payments•("Settlement Payments"), • 'according to a set, schedule. • B. Those Settlem'ept•Payments are being paid to You fromran annuity ("Annuity Policy") purchased by the Person responsible for'maldng the Settlement Payments to Yeti ("Obligor"). . C. Rather than wait for the Settlement Payments to be made to You to the future, You want to sell all or some of those Settlement Payments ("Purchased Payments") to Us now for a lump sum. D. THIS CONTRACT CONTAINS AN ARBITRATION PROVISION. WHICH -YOU SHOULD REM)* CAREFULLY, AS IT WILL. HAVE A SUBSTANTIAL IMPACT ON 110W DISPUTES BETWEEN YOU AND US ARE-RESQLVED. DEFINED•WORDS •Certain words used in this Contract have specific'meanings, shown below.. - AflAte Ahnnity Policy .ClosingDo.cuments Any documents necessary.to carry out the' purchase of the Purchased Payments, other than the "Contract or Contract Documents" as defined below. • Contract or Contract Documents Collectively, only this Contract and the•Disclosure Statement. An entity controlled by, controlling, or under Common control with, another entity. The policy purchased by. the Obligor to ensure that the Settlement Payments are made to You as required by the Settlement Agreement. Contract Date Coutt.Order• Disclosure Statement Encumbrance Funding Date issuer 07!1!1? The date Your signature at the end of this Contract is notarized. However, if'You happen to sign this Contract before the number of days. stated atthe end of Your Disclosure • .Statement for waiting has passed, You will have no obligation under Your Contract until • • that time has Passed. A legally binding ruling, issued bya judge or proPerly empowered administrative officer, • .. epprovin the sale of•thePurchased Paytiaents•to Us ("Court Approval"). The dooument.which identifies for You, the Purchased Payments, expenses, Purchase Price and various other • disclosures. Any claim, right, lien, policy loan, or restriction.. ln_addition,.this includesany- limits on rights of ownership (such as the use, voting, transfer, receipt of income, etc.). The date We pay You the Net Purchase Price. The insurance company that issued the Annuity Policy. Page I 2.2011. J.G. Wamwrth Originations, LLC Account 1D: 532485 B. We will' pay You the Net Purchase Price in the manner You designate for Us. C. Before we pay You, You agree that We will'adjust for the following amounts, ifapplicable: • Purchased Payments Owed to Us — The Issuer may have already paid You some of the -Purchased Payments before.We have paid 'Votit for.thern: Iftbtat happens; We will iiedtret.the amount of those . Purchased Payments. • • Roldbaat ks -, Due to::possible delays in the:issuter•begiiiining:.to make the Prixebasail. Paymeats.to Us instead otYou, We will hold back an amount 011(.4 to.any Purchased Paytttetnts tltattl a Issuer" owes Us post Court Approval, that are date within0days of the Funding Date If We subsequently receive those particular Purchased Payments. directly, •.: will return the amount of any related holdback to You. • • • •Payntentof petits.Owed;—If.You:.owe anypast due.child support, baitkruptey payoff, or taxes, or have any judgments or liens against You or: Your assets; We may pay thoge.amounts and. deduct. them from the amount We pay You, and You herebyprovide Us With specific autliority'to.take stied) action. We'will provide You with notice of the amounts that We are going to pay, prior to actual payment. D. If any. Purchased Payments are mistakenly sent to You after We have paid You for them, You will immediately contact Us. If We then determine that any deductions or holdbacks as set forth above are not enough to reimburse. Us, We will advise You of the amount You owe Us. You agree to immediately send that amount to Us by bank or certified check. 3. YOUR REP ENTATIONS AND WARRANTIES • You repteaent Mkt warrant to Us the following: A. You understand that TRI$ IS A SALE.AND. NOT A LOAN. B. The Annuity Policy is in full force, You are'the sole and undisputed recipient of the right to the Purchased Payments, have the right to sell them free and clear of any Encumbrances end have not previously sold any of the Purchased Payments to any other Person. • C. You understand that Court Approval is required for this purchase; and You agree to fully cooperate with Us to obtain that approval. . D. You gave Us all requested information and signed all documents necessary to complete the purchase. Every statement Made by You in the Contract Documents and Closing Documents is true and complete. E. No law, divorce decree or other legal obstacle: • requires You to keep the Purchased Payments for the benefit of a current or former spouse, dependent children, or other person; or • legally prevents You from contracting with Us, selling the Purchased Payments or changing the Annuity Policy's beneficiary. Either: • You have never'fi,ldd for bankruptcy, will not do so before the Funding Date and there are no lawsuits or efforts by any of Your creditors to put You into bankruptcy ot.take any. of:thePurchased Payments; or • If You filed for bankruptcy, the Purchased Payments were not subject. to the claims of Your creditors. You will give Us a copy of any ofYour bankruptcy documents that We request including evidence of a final bankruptcy payoff or case closing, if any. G. We can rely on Your representations; warranties, and.promises in this Contract. These representations, warranties, and promises are for Our benefit and' the benefit of any' futpre owners 'of the Purchased 'Payments. You understand that Our reliance on any intentional misrepresentation by You may result in Our enforcing Our rights against You in court. 021J2/12 C: 2011 J.G. Wentworth Originations, LLC Account 53246. H. You had. enough time to conSider•the.sale of the pinchiSed•Payments, understand the terms of the Contract Documents and Closing.DoeumentS(itiolUding tho•prbitia1i00,00yiaion); are of legal contracting age and sound mind, not under the' influence of drugs or alcohol, and freely and'voltintatily, enter into this Contract and agree to all of its terms • • . . . . . . . . You were advised by Lls.to obtain independent legal aciviee:and•professiottattaxadvide about the sale of the Purchased Payments and to have those advisors reVieW the terms and legal, tax and other effeetalifthis Contract with You prior to Your execution of this Contact. You have also eXPlored•all-apProlniate finanoialsoptions.before entering into this tratiseetion. • . • . • ,.; - • . • • • • • We did not:proVidete$,•finanCial, orlegaI:44Viee•tOYOu about this Contract and have advised You that We may not refer ' You-tp.any specific attiniry-for such purpose • • , . • • • • . • • • . . . • — . . . K. If You are married, Your spenieliintlaratandi all' of the terms and conditions of this Contract including, but not Wiled, to the feet that, after the litIndiTVP4.te,•:You'(atid-YontSponsa) will not receive the same amount of money on the same payrnent schedule as yob. would have received Under the'Anntiity.:P.oliCY. Your spouse been provided with all information relating to the transaction and has hadeVery..oppOrturiity to review the terms of the 'transaction and to' • seek any advice relating thereto. Your Spouse also understands that lie or she will be giving up any property or contract rights that he or she may have in the pUrchased-Parnents. . . • L. We may sell, transfer, or Assign•Our right to tht Purchased Payments in a sale, securitization, or other financing transaction(resale). Any resale would involve disclosing certain information about; You (including Your personal information) to the parties to a resale. • • M. Any funire owner of the right to the•Purcha.sed Payments will have'all of the same rights We have, including the ugh to the duties You owe Us under thiaContrect •-ThiS-inelndeS-the right to make a claim against You for violating any. pfthe• representations, warranties, or promises You *dein this Contract. 4. YOUR PROMJSFS TOUS Before and. after. the Fundiai Date: • A. You willtell us right away if Your address or telephone number changes and do everything necessarY,'IncIuding completing and signing all documents to: • sell the right to the PurchaSed:Payments to Us; • change the beneficiary as required by this Contract and • correct any documentation errors in the ContractDocuments or Closing Documents. • B. You will also tell Us if any of the fbIloWing ocourst. • a violation of this Contract; or • anything that could negatively affect the Annuity Policy; the Purchased Payments, or this Contract. C.- You will not: • agree to sell the Purchased Payments to any Person other than Us; • change the Annuity Policy's beneficiary -to any Person other than Your estate until We have collected all of the Purchased Payments; or • withdraw cash from, borrow against, or change the Annuity Policy. D. You will give Us information necessary to update Your representations, warranties,' -and promises in this Contract. You will also update any, documents and information 'so they will be true and coMplete on the Funding Date. Page 4 47.1.121.12. 2011 J.G. Wentworth Originations, LLC Account ID: 532485 E. We arengw, and will continue in thefuture, to rely on.the representations and-.warrinties You have given Us. We will confirm the accuracy of Your representations and:warranties. You must cooperate with this confirmation and provide complete access to any information We believene:cessary. F. • You agree that ulidntingrepresentatlens, warreritieS,.prorniaes, documents and other infonnation will not cure a -breach of any representation or warrant) rnade'.by Yeillliat Was not true: and coMplete. • ' - , . . • . . .. . . . . . . . . . . . . . . . . . . . . . . . G. You agree that Our obl1gation tOYon.nrider this Contract it -strictly limited to re.quirernenttOpay You what We Om You pi00.4:to;!.11ziOtst)11.0*itrOl, aftOf.,0*0*Yalipi.:9:,41of the.Cle*itig:D;ocittheotai filial underwriting approval and Court Appreval. Underrie.:.citentfistanees will We be 'liable for any consequential :damages. ' -• - . .. . . . . .. . ... •. . „ . . . . . . E. You hereby appoint Us and any ofOur daik0e**41.11.:fi.:11Indi.,Yer or SOMA** as yOnr..AttOinuy.in Fact,- to act in Your name and for the purPose-.0i100* and transferring OWrierahip:ptany and alfright; title and interest that You have in the PurchaseclPayinents '001'01:1s -to obtain all benefits centernplatedbythia transaction. You atiOgivt Us NA- authority to.act"iD•any.**.nroner and necessary to exercise this Attorney in Fact OP eintrnerit including, but not... limited to: (1) negotiating, endorsing and.axecuting checks, 4rtifts-and other instruments iri Your name; and (2) instituting, maintaining„ compromising, settlingandterminating any litigation or other proceedings related to the Purchased Payments. This power of attorney is coupled with aninterest and shall survive death or disability. 5. CANCELLATION By u§ We may cancel this Contract before the Funding Date if: A. You breach any representation, warranty, �r promise in any Contract Documents or Closing Documents. ........ ....... ....,.. „ B. The petition for the Court Order is contested; Opposed; or not apprOved. C. We are sued or threatened with a law -suit or an arbitration about this Contract or the Annuity Policy. • D. There is any threatened, pending, or final action; or change in law or rule challenging the legality -of, or negatively . affecting this transaction, E. You file for, or are forced. into bankruptcy. F. You die. • G. Final approval has not been given by Our underwriting department. H. The Purchase Contract is not signed by You and received back by Us by August 09, 2014. 1. , A major rating agency downgrades the lestier's credit rating; J. The Issuer is, or becomes insolvent, orunder regulatory supervision. K. With respect to A through J above, to the extent permitted by applicable law, the arbitration p this Contract shall survive the ternithation; cancellation or rescission of this Contract. vs10 in Section 9 of 6. CANCEL,LATION:BY YOU A. (1) YOU MAY CANCEL THIS CONTRACT WITHOUT PENALTY OR EIIRTIIER OBLIGATION AT ANY TIME WITHIN FIVE (5) BUSINESS DAYS ArtER THE DATE YOU:RECEIVE PAYMENT HEREUNDER FROM VS; IN ORDER FOR THE CANCELLATION TO EFFECTIVE, YOU MUST SEND A NOTICE POSTMARKED AT .ANY TIME WITHIN FIVE BUSINESS DAYS AFTER YOU RECEIVE:PAYMENT HEREUNDER FROM US (This is the rescission peried). (2) YOUR NOTICE IS TO BE SENT EITHER.BY CERTIFIED OR REGISTERED m/61; (RETURN RECEIPT REQUESTED) OR FEDEX OR ANOTHER MAJOR OVERNIGHT DELIVERY SERVICE. THE Page 5 07/12/12. C.2011 J.G. \Vot‘votth Origitvflions, LLC Account IP: 5324$5 NOTICE MUST INCLUDE A-OANK OR:CERTIFIED CHECK MADE PAYABLE TO US, IN THE FULL AMOUNT RECEIVED BY YOU, ycHJE. spTIck MtST BE SENT TO: .1:G. \Vent:Werth OriginatiOnS, LLC Attention; Manager of Operations 390 slloWitifd04,00,! vitiotty; Suite 250 Las: Vegag,NV 81;6.94.6.154 B. -GE OF TBuiwa.'i cooktAItio Av TIME wrrm: WHICIIEVEF cocALIA cANCg. : ,yov:*.Y.cA:Nc'EL•T*TRAN$ActKiN AT:ANy Tofp. PRIOR TO 5;00 P.M.TV.A31;.0.0ad 0.y.-OithrteLOgtli."NOTICE OFTS" FORM, OR AT TUE • - .s. ....„ . HEARINGmOit.,A.N14:41101110R. • • IF A • . . E. fqkoMENTIMHTSi.:.,49.R.KrAplit,-. rik 00..; . cEXY 0ymENTHEOO.N-pt-ROSAfts, .-.-• . OCCURS': Ceorgia rescission period). IN OEDER F01( T}1E 0 --10...**-00710;..yo:spat $10Nlig:gNeLostii-,14.0110..ov • ION RIGHTS" FORM ATIP:M411.9..0.)4130*.itt TOvs.-4§'$figemp.)N.TgAr • NOTICE AND -1413,40u .R.tTP104 ALL AMOUNTS,t11:*cilAst:PWCE OR.OTHEHIVISE) RECEIVED By YOU ACCORDING TO.THEREOIHREMENTSOF 6 (A) (2) ABOVE. C. STNIROINIARESIHENTS: 1NORD1RFO1 YOUR CANCELLATION TO BE EFFECTIVE, YOUR NOTICE CAN BE SIIIIIYHTTED VIA PHONE, MAIL, OR FACSIMILE. ANY AMOUNTS ADVANCED BY US IN CONTEMPLATIOIsl Or THE TRANSFER SHALL BE IMMEDIATELY REFUNDED TO US. IF YOU DISMISS YOUR ACTION APIEH APPOINTMENT OF A GUARDIAN AD LITEM, OR RESCIND YOUR THANsEER AGREEMENT cktmckusg•colvTcT) WITHIN THE RESCISSION PERIOD IN 6(A) (1) ABOVE, YOU SHALL BE RESPONSIBLE FOR THE FILING FEE AND ANY GUARDIAN AD LOEJVI: t'Sgs, • D. Wifirrespectto A through C above, to the extent permitted by applicable law, the arbitration provision in Section 9ofthis Contract:Shall survive the termination, cancellation or rescission of this Contract. 7. NOTICES A. All noticesabout thiS Contract 'must be in writing. B. All notices must be sent either by: (1) certified or registered mail (return receipt requested); or (2) FedEx or another major overnight delivery service with a deliVery tracking systern and are corisidetediiven when delivered as follows: If.:to Yon: to tbetinist recent address for You listed in Our files. If to Us: to the address listed in Section 6(A) (2) of this Contract. 8.EVENTS QFPEPAULT You will be in defitult If You: A. fail to soinply With any toms or conditions of this Contract; or B. breach any of Your representations, warranties and promises in this Contract. If Youare in delimit, eVen if Yon have not rejected the arbitration.provision (seeSection9 of this Contract), We hpve the right to enforce Our nets agaMit Yu in conrt to make y6u.perfernt Your promises or to get Money from You. If We sue You in court in ccitinentiOnWith Claim thaf is subject to Eittiittibri Oder the arbitration otivitiish in Section 9 offing Contract, and 17611'hie not rejected the.abitratiOn pttyviston, You the option otremaining in court or seeking to compel arbitration of that Claim under the- tering, of the arbitration prOvisiOrt. 9.7102. " Page 6 C.:2011 ,LG. Weniworlh Oiiginuiions, LLC Account ID: 532485 9. ARBITRATION PROVISION To the "extent permitted by applicable law, You and We agree to the following arbitration provision. YOU HAVE THE RIGHT TO REJECT THIS ARBITRATION PROVISION AS SET FORTH BELOW. If You do not reject this arbitration provision and a Claim is arbitrated; You will not have the right to: (1) have" a court or a jury decide the Claim; (2) engage in informationatherin g g ( discove ry)ao the same extent as in court; (3) participate in a clot*actionin Court or in arbitration; or (4) join or consolidate a.(laim with:claims ofany other person. The right to appeal is more limited in arbitration than in court and other rights In court may be unavailable or limited'in arbitration. Claims Subjectto Arbitration. A "Claim" subject to. erbitintion is any claim, dispute or comroversy between You and Us (other than . ,an Excluded Claim or Proceeding as set forth belovy), ,whether. preexisting, present or future, which arises out of, or relates to.the • Contract, the negotiations related thereto; the breaehahereof or•any. other transaction cotidi}eted.with us in.coflnectlop`with,the - Contract. "Claim" has the broadest possible meaning and includes initial claims; counterclaims, cross-clairris, third -party -claims and . federal, state, local and administrative claims.. I.t includes disputes based upon. contract, tort, consumer rights, fraud and other . intentional torts; constitution, statute, regulation, ordinance, common law and equity and Includes claims for money damages and .injunctive or declaratory relief. Upon the demand of You or Us, Claim(s) will be resolved by individual (not class or classwide) binding arbitration in accordance with the terms specified in this arbitration provision. Special Definitions.. Solely for purposes of this arbitration provision; in addition to the meanings set forth in this Contract: (I) "We," "Us" and "Our" also (a) refer to Our employees, officers, directors, parents, controlling persons, subsidiaries and affiliates and (b)• apply to third parties if You assert a Claim against such third parties in connection with a Claim you assert against Us; and (2) "You" or "Your" also refer to Your current or former spouse(s), children. heirs, estate, executors, successors, assigns, representatives and beneficiaries. Excluded Claim or Proceeding: Notwithstanding the foregoing, "Claim" does not include any dispute or controversy about the validity, enforceability, coverage or scope of this arbitration provision or any part thereof (including, without limitation; the "Class • Action Waiver" set forth below -and/or this sentence); all such disputes or controversies'are for a court and not an arbitrator to decide. However, any dispute or'controversy that concerns the validity or enforceability of the Contract as a whole is for the arbitrator, not a court, to decide. In addition, We will not require You to arbitrate any individual action brought by You in small claims court or Your state's equivalent court, unless such action is transferred, removed, or appealed to a different court. Federal Arbitration Act: Notwithstanding any other provision in this Contract, You and We agree that this Contract evidences a transaction involving interstate commerce and that the Federal. Arbitration Act (Title 9 of the United States Code) ("FAA") shall govern its interpretation and enforcement and proceedings pursuant thereto. Tosihe extent state law is applicable under the FAA, the law of the state of Your domicile (where You regularly reside on the Contract Date) shall apply: 'Class Action Waiver. Notwithstanding any other proyisinn of this-Coirtract, if a Claim is arbitrated, neither You nor We will have the right (a) to participate in a class action, private attorney general action or other representative action in courtor. in • arbitration, either as a class representative or class member; or (b) to join or consolidate Claiin5 with claims of any other Persons. No arbitrator shall have authority to conduct any arbitration in violation of this provision (:provided, however, that the Class Action Waiver does not apply. to any'lawsuit or administratihe proceeding filed againstas by a state or federal ,government agency even when such agency is seelgng relief on behalf of a class of borrowers.including You. This means that We will not have the right to compel arbitration of any claim brought by such an agency). The Class Action Waiver is nonseverable from this arbitration provision. If the Class Action Waiver is limited, voided or found unenforceable, then this arbitration provision (except for -this sentence) ahall-be null and void with respect to -such proceeding, subject to the right to appeal the linnitatiori: or invalidation of the Class Action Waiver. Arbitration Procedures. If You or We seek to arbitrate a Claim, the Party seeking arbitration must notify the other Party in writing. This notice can be given after the beginning of a lawsuit and can be•given in papers filed in the •lawsuit, such as a motion to compel arbitration. Otherwise, Your notice must be sent to.Us at the addressspecified in Section 6 (A) (2) ofthis Contract and Our notice must be sent to the most recent address for You in our files. Any arbitration hearing that You attend will take place in a venue of Your domicile. If a Party files a lawsuit in -court asserting.Claim(s) that are subject to arbitration, and the -other Party files -a motion to compel arbitration with the court, which is granted, it will be the responsibility of the Party prosecuting the Claim(s) to select an arbitration administrator in accordance with the paragraph below and commence the arbitration proceeding in accordance with the administrator's rules and procedures. Q711242 Pagc 7 C 2011 J.G. Wentworth Originations, LLC Account ID: 532485 The arbitration will be adininistered by the American Arbitration Association ("AAA'', 1633 Broadway, 10th Floor, New York, NY 10010; WWW:aclr,ort 1400478-7879 Or JAMS, 1920 Main Street, Suite 300, Irvine, CA 92614, wwwjanlaadr.Corn, 1 -800-35.2.;567, The rules and forms of the AAA and Lois may be obtained by writing to these organizations at the addresses listed above. If AAA:andJAMS'are unable or unwilling to serve as administrator, the Parties May agree upon another administrator or, if they are unable to agree, a eetzt 0411,0*n/tine the adtninistrater. No company niay serve aa adtniniattator, without the consent of all Parties, if it adopts Or has in place anY'forinal or informal policy that is inconsistent with and purports to override the terms of this arbitration proViaionIn the event of a, conflict between the provisions Of this arbitration provision ; on the one hand, and other provisions of this Contraet or any applicable tittles of the AAA or JAMS or other administrator used, on the other hind, the provisions of this arbitration proVision,shall,centrel, • " .•. . ..•. '. • ... „ • A eingle:arbitratct, will rie appointed by-theadmirdstrator;and must be. a practicing attorney With.* or more years of 000006,9r . .rdtire3-pdge:,..0**rbitrii0witi:notbehound'byjudicitil'xidea.ef procedure and evidence that Would ; apply in ti:cquit;.-or by state or local laws relate to arbitration proceedings The arbitrator will honor- statutes of limitation and claims of privilege irdeOg41404 Under applicable law. dooiithogitOilitjt.braWard.int damages or relief, the arbitrator Will. follow this Contract and the applicable substantive law, consistent with the TAA and this Coptract,that would apply if the matter had been brought in court At Your WrittehreqUest-„We,-will.pay all filing, heatingandlarother fees, charged by the administrator and. arbitrator to You fox Claim(s) • asserted by You in arbitration after You have paid an *Mud equivalent tothefee, if any, for filing Such Claim(s) in statect federal court (whichever is less) in the judicial district in which You reside (If You have already paid a filing fee for asserting the Claim(s) in -.court. Y49. will not.bereqitited to. pay. that amount again). In addition, the administrator may have a procedure whereby You can seek a waiver of fees charged to You by the administrator and arbitrator. We will always pay any fees or expenses that We are required to pay•by law orthe administrator's ruleart that Weare required to pay for -this arbitration provision to be enforced. The arbitrator will have the authority to award attorneys? and expert witness fees. and costs to the extent permitted by this Contract, the administrator's rules or,applicablelaw. The arbitrator will always award You reasonable attorneysand expert witness fees and costs (a) if and to the extent You prevail on Claims you assert against Us in an arbitratiOricOrnmenced by You and (b) to the extent required under applicable law for thia arbitration provision to he enforced The arbitrator shall write a brief explanation of the grounds for the • decision A judgment on the aWarcl•may be.enteredby--0Y-coutthaving jurisdiction• • • : -- • . . . Severability- and. Survival If anypartof this arbitration provision, other than the Class Action Waiver, is deemed or found to. be • • . . • . unenforceable for any reason, the. remainder shall be tmferoeahleTo the extent permitted by applicable law, this arbitration provision shall survive the termination; cancellation or reaciaSion.of thiScontract. Effect ofArbitration:Award. The arbitrator's award sliallbe final and binding on all Parties, except for any right Of appeal provided by the FAA However, if the amount of the Claini.execeda$5,0-,000- or involves a request for injunctive or declaratory relief that could foreseeably involve a cost or benefit to either Party exceedingS50,000, any Party can, within 30 days after the entry of the award by the arbitrator, apptat thO:itward,to.a three arbitrator panel administered by the adniinistrator. The panel shall reconsider anew any aspect of the initial laward requested by the appealing Party The decision of the panel shall be by tiajority vote. Reference in this • • arbitration provision to "the arbitrator" shall mean the panel if ati:ippe411 of the arbitrator's decision has been taken:- The costs of such • an appeal will be borne in accordance With the'sboye.paragratt titled Arbitration Procedures." Any final decision of the appeal panel is subject to judicial review only as,providedinider the FAA. Right to Reject ArbitrinenjPrOVISion. You. may reject this arbitration provision by sending Us written notice of Your decision so that, We receive it the address listed below within forty-five (45) days of the Contract bate. Such notice must be sent by certified or registered mail (return:receipt ,requested) or by, FedEx,Or another major overnight delivery service with a delivery tracking system, • must include a statement that You wish to rejeorthearbitratien.pitovision. along with Your name, addre8a, Account I D number and Your signature and mustbe delivered to'Us.at the address specified in Section 6 (A) (2) of this COntract. This is the sole end only method by which You can reject this arbitration provisien., Upon receipt of a rejection notice , We will reimburse You for the standard cost of a certified or registered letter or overnight delivery. -Rejection of this arbitration provision will not affect any otherterms.of this patiiact-apil will not result In itn. adverse consequence to: You.: You agree that Our Imainess.records will be final and conclusive • With respedt to whether tins atbitratienProVisioriiii-a-titnely and proper faShinn, This arbitration provision will apply to You and Us inlioaa y.ao.reieot It.by proViding-PrOper-and timely notice as statedherein. . . Pagc 3 07/ 2112 :C..2011 J.G. Wmtworth Originalions, LLC Account ID: 532485 10. NISCV4 A. You:give Us permission to conduct backgrOund checks on You, including obtaining information from the credit bureaus, in order to verify Your legal residenee;. contact information, and any other intimation We deem necessary for this trantaction. We can also Starch records for UCC fihngs, bankruptcy filings, judgments, liens mid child support :obligations against You. This Contract Is the entire agreement between You and Us. C. If there is mole than one of Us or You, t.14 Contract applies to all of those peop pgether, andto eaph'Qf thepi Both Parties must agree in writing to any Change to this Contract or waiver Of its terms. E. • Except as set forth in the arbitration provision in. Section 9 of this Contract, if a court undoes any part of this Contract,' the rest of the Contractiernaina • .. F. You•cannot voluntarily or involuntarily sell, assign, .or transfer this. Contract, or any of Your rights or duties Under this • Contract. Any such action taken by You in.violatiOn of this section shall be void and of no effect. • G. Except as otherwise required by applicable law, the law of the state of Your domicile.(where You regularly reside on the Contract Date) Will govern this Contract and disputes under this Contract shall be determined in Your domicile State (Where You regularly reside on the Contract Date). . • H. 'This Contract also holds responsible Your heirs, and executors. This Contract benefits only You and Us,,and no one else. • • isHoWever,•ifpniperly assigned' bylis,•this Contract will •bind•and.benefit Our successors and • assigns.— • • -.• • • •-• • - I. .Failure to enforce any provision•of this Contract isnot a waiver of that provision. J. The Parties May sign this Contract in one or more counterparts.. Each counterpart will.be considered an original. counterparts will form one Contract A faesiMile, pdf or other electronic copy of the signed Contract or any counterpart Willbe ernisidered. an .original•and treated .pasuch in any court [or arbitration] proceeding. K. We have investigated the proposed transfer of the Purchased Payments and, in light of information available to Us, have identified no violation of any applicable state or federal law. . • . L. You -will not receive an IRS Form 1099 from Us: • M. Titles and headings in this Contract art for convenience only. DO not use them to interpret this Contract. N. Except as otherwise set forth in this'Contract (including the arbitration provision in Section 9 of this Contract), You and We will pay Our respective costs and expenses in carrying out this Contract. 0. You give Us permission to request from our Affiliates information- and documentation You have previouslyprovided to them which we deem necessary- for this transaction, including, bankruptcy filings, judgments, settling documents, annuity documents, liens, child -suppOrt obligations, divorce documents. You and We, intending to be legally bound, bOve.signed this Contract as of the Contract Date below, and agree to all of its terms and ,conditions, irieltiOing the. Page 9 07/12/12 2011 J.G. Wentworth Originations, LLC 3:%2•03:i. /3”IgnItti,1?etitiy, eeknttivIe4e•tipti You were. advised:by yirtttng,l.tutt Yettthoidd elifoiairtukeitelAgiti /nal • dvitntI gretes*loitit) itfhceit)ts:ef the Yurelyt*evi Peyttreittli and tu,;,14ve.'the,cte ue.tvlsttes rseVeiSP the ::teRtritt Ot. Igg4. tits.00tt oiher er feOts.. of th4{::onirtrge; swvrst tit mi. 12prifirci• 'Protk ;o-Tt49 trayo tstruttt thip.:*61. oNytedged-Ontl A:greed: OM NOTA101: S. At fiEtit:•c LAw#01 WON tiebIlt; LOWEI3 s vial" 1.0...ogOmini co.Itar My .commiosion'Expos. mgr 1.5 2D11 SELIA:114.; titit- • kt4 • • • • • • • • • • • • • • • • -510 .1: •ti:PO itMF: (it tfwi hw uth 'd -t. Sritat;:e• . JX:. Wen twitrt It 0 riginttliuns, /- Shrli al.Wilan. 1.1ntliFr‘vr) lug Manaspr' 1380.9:! YI,�?'ANA ...........:..:... STA 't+ T AccootIP:532485 June 24, 2014 We willpurchase the following payments (Purchased Payments) from Yoe: A) 1.pa�yment of $10,000.00 on August 1, 2016 B)1 payment of $10,000.00 on August 1, 2021 p a • (The remainder of the page intentionally left blank) - O. t I Ci. Wow.vurIb O.t ;uiatam b 6'd 986E -069-L ll Aid 9o8 ' dOt:90 ti 6 60 ISI' Arcoutit 10: June 24 2014' The aggr gate amount of the Purchased Payments IS $2 ,000.00. The diSeountod present value of the aggregate PorebaSe Jaymcnt$ the fedeNtiterest rateOf2;2.0% is $111,P0.01 '1 h. diatinintcd,present'vaine is the calculation of the current: tialue.oflhe transferred structuredsettlement PornOnt. (NJ rtlinvd Payments) under federal standards for valuing annuities. The gross amount payable to seller (You) is $10,500.00. The netainottnt payable to the seller (Yon) is $10,600.00. .Leal'fees his is anestirna te of what your attorney vviii charge You if You ehoose not to waive representation): $50000 ''.lsiOntliereitienseS.iireitietirredby'Y:04. The net amount 'that You will receive from Us- in eXe,firange for Your future structured settlement payments represents 51.5106/0 of the current value of the payments based upon the discounted value using the applieitilit:fedoe41 rate Based On the net amount that You will reeeivein payment from (is and the amounts and • timing of' tin structured .settlement paymentS.that Youire selling to Us„this is the equivalent of interestipayinents to Us at a rate of 0.90% per year. PL:EASE Nart THAT To-wigNOT A•LOAS4 OUT A SAM 0P.PAYMF,N1'.RICHTS ANDTIIP, INTEREST FIGURE is ONLY. PM:VV.! DFI) AS AN ILLUSTRATION OF TEM ICONOMICTMPACT OF TUE SALE. Please be acivisedthere are no penalties or liquidated damages payable by you in the event plauv breach bf .the traorer agreernebt by you. By sigilinX helow You are COT firming reCetpt Of this Disclosure Statement at least 10 days. prior to You first incurring an obligation with respect to th transfer. -2- a • are strongly urged to consul is q:pcittesOf'this,.tratisstttioL Sworn to 1.01 rO't rANT 1fQ'T ICI! itll an hrttirr.'hiey t 'jtq cart atifvisc y'OV of the potential tat COMM A E�;7f1. G.4:AW.St1N 0ot:3 Public LOWER_ WgTARA TWP D/1URHIN COUNT►' My C13 ' gn Eiipiroe Mir.19; 2047 ATTACHMENT/EXIITBIT "5" July 24, 2014 MetLife Insurance Company of Connecticut ao MetLife.- MRMR. 2025 Leestown Road, Ste. J Lexington, KY 40511 Attn: Legal Department/Structured Settlemeuts Travelers Indemnity Company Corporation Service Company 2711 Centerville Road, Suite 400 Wilmington., bE 19808 Attn: Legal Department/StructUred Settlements RE: Notice of Sale/Assignrnent of Payment Rights Your Contract #: Payee; J. Urban: Dear Insurer: Please be adidsed that J.G. Wentworth Originations, LLC and/or its successors and assigns, have entered iht0 a transaction with the above -referenced annuitant who is seeking to transfer certain of his/her rights to the payments scheduled to be received under the above -referenced annuity policy. We are currently seeking court approval pursuant to the applicable structured settlement transfer statute. Pursuant to the statute; please note the folloWing inforMation about the Purchaser.: J.G. Wentworth Originations,. LLC 201 King ofIrussia Road, Suite 200 Radnor, pA 19087 Tax ID ii,20-472$885 PLEASE NOTE: No payments Under this annuity should be held until and we have forwarded.this order to you. Ver truly yonrs, LG. Wentworth Originations, 1,1.,;C By:. 53eirgi's • Loi{Borowski, Vice President e courts have entered a final order ' 201 tiglek PRUSSIA Ft9AD, WO. ff.A0N0ft„ PA 190? PROM (600)190-4016 • MX: (886)455406? Reserved for Court use. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA RE: Joint Petition of J.G. Wentworth Originations, LLC and J. Urban NO: /V— (--/q6e INITIAL ORDER OF COURT On this 5 , day of Ctit 2014,.it is ordered that a hearing on this Petition to Transfer Structured Settlement Payment Rights will be held on , 2014, in Courtroom J- at ji..'pa_ o'clock. The payee shall bring income tax returns for the prior two (2) years to the hearing. Within seven (7) days, the transferee shall give notice of the hearing date to the payee, the structured settlement obligor, the annuity issuer, the payee's spouse and any person receiving child support, alimony, or alimony pendente lite. The transferee shall attach a certificate of service to the notice of hearing date. A copy of the notice with the certificate of service shall be filed with the court prior to the hearing. foo(Iid3eAiNVW na s:ziPhi 9- SIN IrZ ,MTVI O d0Nl0d 3 LL BY THE COURT: /Plat tEck MARO & MARO, P.C. By: Robert A. Maro, Esquire Attorney I.D. No.: 89585 1115 West Main Street Norristown, PA 19401 (610) 275-9600 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA NO: ) q"" • RE: Joint Petition of J.G. Wentworth Originations, LLC and J. Urban NOTICE OF HEARING ON PETITION TO TRANSFER STRUCTURED SETTLEMENT PAYMENT RIGHTS To: MetLife Insurance Company of Connecticut Attn. Legal Dept/structured Settlements c/o MetLife MRMR 2025 Leestown Road - Suite J Lexington, KY 40511 Travelers Indemnity Company Corporation Service Company 2711 Centerville Road, Suite 400 Wilmington, DE 19808 J.G. Wentworth Originations, LLC 201 King of Prussia Road Radnor, PA 19089 J. Urban You are hereby given notice that J.G. Wentworth Originations, LLC has filed a petition to transfer structured settlement payment rights. A hearing in this matter has been scheduled on , 2014 at o'clock in courtroom no. courthouse, Cumberland County Court of Common Pleas, Pennsylvania. You are entitled to support, oppose or otherwise respond to the payee's petition, either in person or by counsel, by filing written comments with the court prior to the hearing or by attending the hearing. The Name, Address and Tax Identification number of the transferee is J.G. Wentworth Originations, LLC. 201 King of Prussia Road, Radnor, PA 19087, Tax D. 20 72 85. Date y ,EsQ ire Attorney or J.G. Wentworth Originations, LLC. 1115 W. Main Street Norristown, PA 19401 (610) 275-9600 (610) 275-9666(facsimile) Maro & Maro, P.C. By: Robert A. Maro, Esquire Attorney I.D. No.: 89585 1115 W. Main Street Norristown, PA 19401 (610) 275-9600 Attorney for JG Wentworth Origination, LLC IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA IN RE: Joint Petition of JG Wentworth NO: 2014-4408 Civil Originations, LLC and J. Urban CERTIFICATE OF SERVICE I, Robert A. Maro, Esquire, hereby certify that a true and correct copy of the Notice of Hearing was served upon the Payee, The Structured Settlement Obligor, The Annuity Issuer, the Payee's Spouse and any person receiving child support, alimony or alimony pendente lite. A copy of the Notice is attached hereto. Date: August 12, 2014 By: Robert A. Maro, Esquire Attorney for JG Wentworth Originations, LLC CO MARO & MARO, P.C. By: Robert A. Maro, Esquire Attorney I.D. No.: 89585 1115 West Main Street Norristown, PA 19401 (610) 275-9600 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA � RE: Joint Petition of J.G. Wentworth : NO: 1 (,,! - (4(4° 1 Originations, LLC and J. Urban NOTICE OF HEARING ON PETITION TO TRANSFER STRUCTURED SE ITLEMENT LEMENT PAYMENT RIGHTS To: MetLife Insurance Company of Connecticut Attn. Legal Dept/structured Settlements c/o MetLife — MRMR 2025 Leestown Road - Suite J Lexington, KY 40511 Travelers Indemnity Company Corporation Service Company 2711 Centerville Road, Suite 400 Wilmington, DE 19808 J.G. Wentworth Originations, LLC 201 King of Prussia Road Radnor, PA 19089 J. Urban You are hereby given notice that J.G. Wentworth Originations, LLC has filed a petition to trans er spuctured settlementomment rights. A hearing in 1s matter has been scheduled on , 2014 at /7. Mr o'clock in courtroom no. } courthouse, Cumberland County Court of Common Pleas, Pennsylvania. You are entitled to support, oppose or otherwise respond to the payee's petition, either in person or by counsel, by filing written comments with the court prior to the hearing or by attending the hearing. The Name, Address and Tax Identification number of the transferee is J.G. Wentworth Originations, LLC. 201 King of Prussia Road, Radnor, PA 19087, Tax D. ,.:. 20 72 85 Date 7-)- =/ `% BY: it Attorney or J.G. Wentworth Originations, LLC. 1115 W. Main Street Norristown, PA 19401 (610) 275-9600 (610) 275-9666(facsimile) Reserved for Court use. IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA RE: Joint Petition of J.G. Wentworth Originations, LLC and J. Urban NO: INITIAL ORDER OF COURT On this 1154k.day of Gi,i`,%' 2014, it is ordered that a hearing on this Petition to Transfer Structured Settlement Payment Rights will be held on .9 bFjz_ I`7 , 2014, in Courtroom .j' at //'OO o'clock. The payee shall bring income tax returns for the prior two (2) years to the hearing. Within seven (7) days, the transferee shall give notice of the hearing date to the payee, the structured settlement obligor, the annuity issuer, the payee's spouse and any person receiving child support, alimony, or alimony pendente lite. The transferee shall attach a certificate of service to the notice of hearing date. A copy of the notice with the certificate of service shall be filed with the court prior to the hearing. BY THE COURT: IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA RE: Joint Petition of J.G. Wentworth Originations, LLC and Jessica Urban NO: 2014 -4408 -Civil FINAL ORDER OF COURT • l%- On thiscDay ofefr- -61 12-4 , 2014, it is ordered that the Petition to Transfer of Structured S ttlement Payment Rights is granted. The court specifically finds that: (1) the payee has established that the transfer is in the best interests of the payee or the payee's dependents; (2) based on the certification by an attorney for the transferee, and the court having not been made aware of any statute, regulation or order that would be incompatible with the proposed transfer, the transfer will not contravene any applicable federal or state statue or regulation, or the order of any court or administrative authority; (3) the transfer complies with the remaining requirements of the Structured Settlement Protection Act, including Sections 3(a)(2), 3(a)(4), 3(a)(5) and 3 (a)(6); (4) the payments that are to be transferred are designated as follows: (5) A) 1 payment of $10,000.00 on August 1, 2016 B) 1 payment of $10,000.00 on August 1, 2021 OD the terms of this order shall survive the death of the payee and shall be binding on the payee's heirs, beneficiaries and assigns; (6) the payee shall receive from the transferee, within ten (10) days from the date of this Order, the amount of $10,500.00, from which no funds are owed for counsel fees, administrative fees, or other costs, fees or expenses. ° 470 be ( 6 Rd 6e.LI 4fic/ le fi;-9,60/ 410' he BY THE COURT: J.