HomeMy WebLinkAbout94-00727
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E( 'KIIH Sr,v.tANs ('J IfHIN h MHlmT RIG I N ^ I
1'\)111\'11414
1l,\~~1"~1I~",1'^ I'll". 0 J ,'_.
!'!l'll'.,.'....n\
CONSUMERS LIrE INSURANCE
COMFANY,
Fla!ntitt
v.
I IN THE COURT or COMMON FLEAS
I CUM~ERLAND COUNTY, FENNSYLVANIA
I
I '/.J) ('IV' IHLf
I NO.
I
I
I CIVIL ACTION - LAW
It o '1' I o .
JOHN O. JAMES,
Defendant
YOU HAVE BEEN SUED IN COURT. If you wish to de tend 191inlt
the claiml let torth in the tollowinq pages, you mu.t take action
within twenty (20) days after thie Complaint and Notice are
lerved, by entering a written appearanoe pereonally or by
attorney and tiling in writing with the Court your defenles or
objectionl to the claims set torth against you. You are warned
that it you tail to do so the oale may prooeed without you and a
jUdgment may be entered aqainlt you by the Court without turther
notice tor any money claimed in the Complaint or tor any other
claim or relief r.queeted by the Plaintitt.. You may lo.e money
or property or other rights important to you.
YOU SHOULD TARE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU
DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE
OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
Court Administrator
4th Floor, cumberland County Courthouse
carlisle, PA 17013
('117) 240-6200
1t0TIOIA
LE HAN DEMANDADO A USTED EN LA CORTE. si usted quiere
detender.e de estas demandas expueatas en las paginal .iguient.I,
u.ted tiene viente (20) dias de pla20 al partir de la techa de la
demanda y la notitioacion. Usted dsbe presentar una apariencia
eBorita 0 en perlona 0 por abogado y archivar en la corte en
torma eeorita sue defenea. 0 SUI objeoiones I las demandal en
contra de au per.ona. Sea avisado que si usted no Ie defiende,
la corte tomara medidas y puede entrar una orden oontra ulted sin
previo aviso 0 notificacion y por cualquier queja 0 alivio que es
pedido en la peticion de demanda. Usted puede perder dinero 0
IUI propiedadel 0 otros dereohos importantes para usted.
CONSUMERS LIrt: INSURANCE I IN THE COURT or COMMON FLEAS
COMPANY, I CUMBERLAND COUNTY, FINNSYLVANXA
Plaintitt I
I
V. I NO.
I
JOHN O. JAMIS, I
Defendant I CIVIL ACTION - LAW
COIIl'LA;J:'"
AND !lOW, oomes Plaintiff Consumers Life Insurance
Company by its attorneys, Eckert Seamans Cherin , Mellott, and
tile. the tollowing complaintl
1. Plaintiff is Consume~s Lite Insurance company
(hereil1;ltter "consumers"), a Pennsylvania corporation, with it.
princip'l place ot business at 1200 Camp Hill By-Pass, camp Hill,
Cumberland County, Pennsylvania 17011.
2. Defendant is John O. James (hereinafter "James"),
who resides, upon information and bellet, at 6208 Mockinqbird
Pond Terrace, Burke, Virginia 22015.
3. Pursuant to a Speoial General Agent'. contraot
dated October 1, 1990 (hereinafter "contract"), Defendant Jallle.
w.. appointed a qeneral agent ot Flaintitf Consumers to solicit,
bind, write and administer ineuranoe on behalt of Plaintiff. A
true and oorrect copy of James'. Contraot is attached hereto and
llIade a part hereot as Exhibit "A".
4. pur.uant to an Aqent'. Loan Aqreement and Note,
aleo dated Ootober 1, U90, (herdnatter "Note"), Con.umer. and
Ja.e. aqre.d that Jame. oould reoeive ca.h loen. to be repaid out
ot tuture oommi..ione whioh he would earn pur.uant to hie
Contraot with con.umere. A true and correot copy ot Jame.'e Loan
Aqr.em.nt i. .ttaohed hereto and .ade a part hereof a.
Exhibit "B".
5. The Note provide., inter alia, that "the alJuement
.hall be enforced in the Common Plea. Court of Cumberland County,
penn.ylvania, or at the election ot Company, where the Aqent
re.ide.. The Aqent, wherever he may be, .ubmit. himeelf to the
pereonal juriediction ot the courts of Penneylvania. It ie
a9reed by the AlJent that the Insurance commiesioner ot the etate
in which the AlJent is liceneed with the Company .hall be the
alJent tor valid .ervice of procees upon all parties to thie
alJreement." [See Exhibit "B", '11.]
6. On March 11, 1992, consumer. exercieed it. option
to terminate Jame.'. Contract pureuant to paralJraph 22 thereot
and hb Note pureuant to paralJraph 4 thereot. [See Exhibit "A",
. 22/ See aleo Exhibit "B", . 4.] A true and correct copy of the
termination notice ie attached hereto and made a part hereot ae
Exhibit "C".
-2-
7. Between the .ffective date ot the contraot and of
I
the Note and the termination date. thereof, Con.umer. advanoed
.ub.tantial .um. to Oetendant Jamel.
8. The contraot and the Note provide. that upon
termination ot the 8lJre.ment tor whatever oau.e, the amount. due
Conlumer. beoome due and payable by Jame. immediately. [See
Exhibit "A", ! 27/ See al.o, Exhibit "B", . 5.]
9. The Note further provideR for intere.t at the rete
ot 1 1/2 percent per montll on the unpaid principal belanoe owing
and any and all accrued interest that may from time to time be
added to the principal balance, commencinlJ on the date ot the
Note. [See Exhibit "B",. 5.]
10. The Note further provide. that Jame. alJree. to pay
rea.onable attorney'. feo., plus all other rea.onable expen.e.
incurred by Con.umer. in exerci.inq any of it. rilJht. or remedie.
thereunder. [ See Exhibit "B", ! 5.]
11. A. of Januu'y 31, 1994, the balance owing under
Jame.'. Note, with interest, totaled $15,832.64. Intere.t
oontinu.. to accrue at the rate of $7.91 per day.
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CONSUMERS UFE INSURANCE COMPANY OF NORTH CAROUNA
And
CONSUMERS LIFE INSURANCE COMPANY
execuTive OfFices 1200 Co1mp flilI8y,P...., Comp HIM, P.nn,ylv""'" 1701'
SPECIAL GENERAL AGENT'S CONTRACT
THIS AGREEMENT made on the _ 1 s t
Char laB Sco.t.L
dey 01 .-9s: tJ._,-.1.2~tQ between
___ General Allent who hee olflc.. .t
-.9.2~LSQcond-~Q.t--N~Wa~~o>>r-~-"~~~0* (hereln.fter
relarred to aa tha "Generel Agenq, party 01 the IIrat p.rt, end John O. James
Special Generel Agent (herelnelter relerred to 81 the "Speclel AgeM'I, perty 01 the eecond p.rt, .nd CON.
SUMERS LIFE INSURANCE COMPANY and CONSUMERS LIFE INSURANCE COMPANY OF NORTH CAROLINA
(herelnelter relerred to jointly u the "Compeny"l. perty 01 the third part,
WITNESSETH: Pursuant to requeet thetthe ullderwrltlng fecllltle. and other .aNlc.. 01 the Gener.1 Agent
end 01 the Compeny be made evellebleto the perty of the eecond pert u Speclel Agent end lorth. con.lderlllon.
herelnelt~r expl eseed, It Ie egreed by ell pertlu herein ee loll ow&:
1, Thet the Special Agent Ie hereby authorlled to procure end trensmltto the G.ner.1 Agent .ppllc.tlon.
for Ineurence In the Compeny within the territory wherein the G.ner.1 Agent hea received euthorlty .nd the Com.
pany hee the right to do buelneu, end to collect .nd to pey Ol/er to the Generel Agent the IIl1t premium. on
euch buelnese,
2, The Generel Agent shell pay to the Speclel Agent, end the Speclel Agent shell eccept Irom theaener.1
Agent ee lull compensetion for ell seNlcu performed by the Speclel Agent, I commlulon bu.d on bu'lneu
secured by him end written by the Compeny payable on the premlume eethey become duo by the expr"lterm. 01
tha policy. end Ire collected In cash and paid to the Generel Agent or to the Compeny, computed on th. bul. 01
tha Schedule of Commlselone eselgned 10 the Speclel Agent by the Generel Agent, etteched hereto, which .h.1I
be subjeci to change upon written notlca by the General Agent,
3, The Speclel Agent ehell have no claim for commleelont on ony Ineurence unlese hla neme epP8l11 on
the applIcation for euch Ineurence, All buslMu secured by more than one Speclel Agent ehall be conatrued U
joint buelneee end credit therelor shell be divided equelly between or among the Specie I Agent. whon nemea
eppeer on the eppllcetion,
4, If the Compeny ehell return the premiums on eny policy and cencel it for eny reuon whet.oever, the
Special Agent agreeeto repey to the Generel Agent on demand, the amount of commleelon or edl/.nce commie.
sion received on premlume eo returned or on the policy,
5, The Speciel Agent shell pay and be responelble for tho full payment of ell expensea of the Specie'
Agan!.
6, All monios, proportlos or securities recell/ed for or on bohalf of tho Compeny or the Generol Agsnt, while
In the custody of the Special Agent, shell he held by him as a fiduciary trus!. They shall not be used by him for eny
purposes whataoel/er, but are to be reported upon and transmittod to the Company or to tho General Agent In
accorr1anctJ with instrucUnnn.
7, The Spoeial Auonl ,II, wlllJlluvur Hill Company'" Iho Gono,J ,Junt "'"HI"'O, I,unomil tl> the Com-
pany or tl> the Gonerul Auunl or III "HeI, ,)\h." Hffu:o 0" "hall hu du"'unalod hy thu CHmp,H'Y, "'''''H1hnllto Iha rul..
und instructions of tho Company, II fnpOft ill dOlnil, uvor hifi own 9lijllUltHlJ, omhrnclfllj II !run litulamonl of all
pollela", ,ecelpla or nolo. "' hi<; tH,,"I", huld "v." lor dHU und flrupur duhvnry III ""lIu,:III"', ;",d 01 pollclal or
recelpll returned Ihnruwllh fHr "11I1I:ullaOlln, uvnrv 110m 01 IIl,,,lnu,," donu hy '"m, u,"1 01 ullmoniu. colluclod for
tho Company or the Genornl Al/olII ","l thoruwlth fIllY OVO' lolho Compnny or Iho Oonorill AI/untlho amounl 0'
monlea dUll Ihe Compony or thu Gnrwrnl Auont notlhorotofor" Irun"mlllod und fWld ovur,
0, The Spocl., Auunt will not duhvur any policy Issood hy Ihu Company unlu.. Ihu purson on whoso life the
poliCY I. ISlued II at the limo IIll/ood huullh urlll will not many cne dohvur IH uny pur"on uny policy or renewal
receipt 01 the CompllllY unlll Ihu prO'llIHm duu Ihoraon hu" beun actllally paid,
9, The Spacial Auent has no authority to make, alter or discharlla any contra.;I, or 10 wulvu lorloiturus or to
eKtand thatime 01 paymenlof any pramlHm, or III eKlund Ihe time or altar Iha condlllons In ruspuct 01 tho msklng
01 a claim against the Company, or 10 waive puymonta In cash, or to conlrnet dobls In tho nome ollha Company or
tha General Agent, or 10 recaivo ony monuy duo or to become due 10 Ihe Company UKcopllirst prum,um peyment.
on appllcallon. 68cured by or through him In eKchanlla for conditional rocoipts or forms furniahed by the
Company,
'0, The Special Agent shall not Insert any advertising respecting tha Company or thu Gunoral Allenlor any
olher company In any publication whatevar without written authority of tha Company, nor shall he Issue any clr-
cularl or write any lellerslo any publication raspecting the Company or tha General Agant or any olher company
without Ilrat oblalnlng tho written approval of tha Compony,
, 1, The Special Agant ahall nOI asalgn thla agreamenl or Ihe compansation accruing IhMeundar or any
Intareltthereln, aKcept with the prior wrlttan conaent of Ihe Company,
12, Tha Company or tho Gonaral Agent shall have tha right at alltnnea to offsat against any aum due the
Spacial Agant haraunder any debt, obllgathlll or lIablllly now duo or which may becoma due at any time by the
Special Agantlo the Company or Genaral Agant, and theBe debla ahall be a firM lien against Ihe compensation
dua Iha Special Agent undar this ngreement
13, The Spacial Agant ahall not payor allow, or offer to payor allow, a8 an Inducement to .ny person to
Insura, any rebate 01 premium or any Inducement whalaoever not .peclllad In tha policy, nor shall hll maka .ny
mllrapreuntatlon or Incomplete comparison lor the purpoaa 01 Inducing a policyholder In this or any othar com-
pany to convert, lapse. lorfelt or surrandar his Insurance Ihereln; nor shall he endeavor to Indur.e anothar rap-
,aunlltlve 01 tha Company or the General Agantto laave lIS .ervlce,
14, Thla Igraemenland all modlflcatlonsthereol, shell have no lorca aKcepteathay are aKprelled In writ-
Ing, and duly e~ecutlld by the Goneral Agent, the Company and thll Spoclal Agant
16, Tha lallure 01 the Gel'eral Agent or the Company to eKactand require atrlct compliance on the part of the
Srsclal Agant with the lerma and conditions 01 thla agreament, or any port 0111, or the failure or neglect by the
Gonaral Agant or Ihe Company to declare such delault or lallure to perform, when the ume Ihall becoma known
to It, shall not operate II a waiver of such torms and condltlona or aa a raleasa 01 the Special Agent Irom his obllga-
tlonl thereahar to perform such agraement strictly In accordance with Its lerms and condltlona,
19, Thl. agreemant shall abrollato and annul any relation hereto fora held by the Spacial Agent with the
Company or General Agent, ae agent, broker or otharwlse; but shall not affect any bond given thereunder,
17, This agreemant may be tarmlnatad:
(a) By the withdrawal of thl\ Company Irom Ihe tarritory In which tha Special Agantls operating;
(b) 9y either party upon thirty (30) daya' notlco In writing to tho othar;
(c) By the death 01 the Special Agant;
(dl If the Special Agent shall violate or broach any olthe covananta horaln provided for, thla contract
ahall lOrlhwlth termlnBte ond tha Special Agent shell not be entitled to any commlaslona whatever
under this agreement
19, The Special Agent, wll~ln the territory praacrlbed, sholl be Iroe to eKarclse his own good judgment as to
tha paraons from whom ha will aollcltlnsuronco contracts, a,ld the lime and place of sollcllatlon, or the collection
uf promiums; but the General Agant or the Compony may, from tlmo to time, prescribe the rulas and regulatlona
respecllng thu conduct oftho business coverad thereby, which rulea and regulollons shall be conformed 10 by Ihe
SPOCIAI Agont Tho SpeCial Agent sholl endoavor to promoto tho IrHeroots of tho General Agont and the Company
OB contomplolad hy thiS Agreomont, ond .holl so conduct 11IInself aa not to affect odvorsoly tho business, good
Btlll1lllnu or "'pullltl<)n 01 .IImsolf or of tho Genoral Agont, or of tho Compllny, Nothlnu heroin contained In thiS
;)llrnUrlHlnt !ihlllllm construod to crnntn rho rnlntioflstup of omployer and omployoo hotwlJon tho SpeciAl Anont
.lfId Itll~ flunurnl ^omH or Hw COmpill1Y, SplH:lnl Aunnt IS tllHohy corH;ijhlt~d and ill ull Hmos 6holl conttnuo to hn
,111 1I11lnpl)lldpnl LontrllcltH,
111, The 6pacl~1 Agent a\jl'.o( ;,01 he shall abldo by all of Iho Iowa, rUlas( .j rtI\julallons uf any I'aderal,
Slate, Clly Government, Oapartm.nt or B'''801l, hllvln(j Jurladlcllon. and failure to CllH1Jlly with any 01 oald law.,
rulea or raglllatlonslncludln(j suspOnSil)Jl or cllncell.tlon uf th. Spacial Agent's Ii<:ons. by action of any applic-
able (jovernmental aUlhurily, shall conslillllfl a villlalllll1 und bloach <,, tho contracl.
20, lithe Special Agent shall at any lImo indllce ony policyhulder olth. Com pony Iu lermlnole hla Insurance
wllh tha Company or to replace It with any olhor Insurer, lIutn Ihe 6peclal Agant' a Inter.slln end rlghls to any
ranewal commllllQns or sarvlce lel's ahalllmmedlotoly CBOse and larmlnals,
21, The Company m.y make certain commlulon advances 10 the Gal1aral Agent from tlmoto time and the
General Agent may In IIIrn make .Imllar commllllon advenctlto th. Specll' Agent, Atthe requ.lt 01 the Ganeral
Agent, tha Company ha. agraed to lacllltate payment olauclladvanctl by meklng paymanl directly to the Spacial
Agent; howaver, any luch lum. shall bo deemed to be fj,,1e debt owad by thl General Agantto the Company, and
.econdly a debt Qwed by tha Special Aganlto the Genaral Agenl.
22, The Comp.ny .hall hava no oblll/atlon to pay Iny commllllon or ranaw.1 commllllon directly to the
Speclsl Agent but m.y do 10, Irom tlmato lima at the requelt 01 the Genarll Agent, marely to laclllta,e the pay-
ment of commllllon due th. Special Agant Irom the Genaral Agent. A. betw8In tha Company .nd the Spacial
Agent, thare .h.1I be no vastlng 01 renewal commllllons whetloever, however, tha Genaral Agent m.y, by
laparala agreamant, agrtlto veallng III renewal commlaalonl with the Splclal Agent. The Compeny ehallln no
w,y ba raapon.lbla lor p.ymant 01 any euch veated commllSlons and .hallllot be bound by any luch arrange.
ment, II any, made batw8ln the General Agent and tha Special Agent.
23. In the .v.nt 01 thatormlnatlon of this Agraamentlfor any rea.on, Including delth or dll8blllty), the Specl.1
Agent or hl.leg.1 raprtlentatlve .h.1I pay to the Gener.1 Agant or the Complny II the call may b., on dem.nd,
any debit b.l.nc. c.rrled on the Spacial Ag.nt's account and any other Indebtedneal du.the Genaral Agent or
the Company, 11th. Specl.1 Agentla a Corporation, Partnar.hlp or other entity, .11 principal. who ere IIc.nlld
with tha Comp.ny Ih.1I be Jointly and IIva,ally lIabl.to th. G.naral Agent orthe Compeny to th.lSme ext.ntea
the Special Agent,
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By'
( COMPANY
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CONSUMER
.
, Z------ CONSUMERS LIFE INSURANCE COMPANY OF
NORTH CAROLINA
lIy:_______
SG82AC
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~ONal"Mt:Aa -=
CONSUMERS LIFE INSURANCE COMPANY OF NORTH CAROLINA
And
CONSUMERS LIFE INSURANCE COMPANY
exeCUTive OFFICES: 1200 Camp flI1I8y'P..., Cllmp filii, Pnn"'lIVI\I1IB 17011
AGENT'S LOAN AGREEMENT AND NOTE
IHIS AGREEMENT CREATES A SECUflllY INTEfllST
AND LIEN ON AGENI'S COMMISSIONS
Tfll6 AGREEMENT" .""".d ""0 '''' Iho ,_1.B.j:"_,,_,, doV 01 _n _ October
,,>>"._'_,,__._____, 19~_
::::dH~~~::~',~~~:~,~~,~~):,~I:,~y.I,~:~:~~~-e- ~,~~~~NY_O,_~tl N_L~~~E};CO~~~~Y OF NORTlll~::~~~::~
(AO.n',
or gUlrantor if flO O)(sl:utodj,
WHEREAS, Auenl haa ullorco with Company on Age Ill' 15 Contract which authOrlleS Auol11 to proemQ appllclUonl for Ii'. Ind Innully
lnlurance wtw:ll pro\lutt!s for paymont of schoduled commiulonl5 01\ premnllna arc plJid II) the Com pony on policilll..ued pur.u.n. to
luch apphcelione (Agent'. Co,,',ec'''I: end
WHeReA,~, Agenl do",oe to roco'". cuh 108'" 10 bo ucurod by .uch conm".elo", .chodul.d I"'he Agent'1 Comrlcl;
NOW, THEREFORe, Compeny eo,e.. 10 I.nd 10 Agent, end Agent p,om".. 10 ,.poy 10 Compony, Ihe lum. deecrlbed In Ihll LOI"
Agr.ement .nd NOh! subjoct to tho lerm8 Bnd conditIOns corl1alned herOin:
1, Amount or LOO"I, Subj.CIIO Ihe Ipeclflc u"derlllndlng end Ig,eemenllhot compen.otlon 01 the Agent by the Complny II
1011ly by commlulonl o. 'p.clfted In Ihe Agent'1 Conlrlct, Ihe Compo"y he,. by og..o. 10 lend Ihe underllgned agent In amount
not to e.celd $1,000,00 per cu., Subjecl'lo .uch m..lmum Imlltollon" tho omounl nf luch loonl Ihall be detlrmlned II
follows:
1,1 Thl omount ollold 100"1 Ihell be e percenloge of lold commle.lo", which percenloge th. compl"y, In It I lole dllcre.
lion, Ihlll del.rmlno, Th. Inltlel pe'cenlege Ihell b. _25.,tJ.O,--- bo.ed on Ih. plonn"d po,lodlc premium up 10 I"d Includ.
Ing tar,gel p..mlum,
1,2 The perce,,'ooe 10' od"oncel Ihown .bo,," mey be changed hy Ihe Compony by wrllle" nollce, Any chlnge mldo will
epply tOlubaequent ad"ence.
, ,3 F,om any loon, h.rounder, th... will be dedu,~tlon. teken 10' Iha c"mmllllon collolerlllolt on Icoount on Tirlt yea,
lap..., applications WIthdrawn, ond policies returned to Con'pany flS "not-loken,"
1,4 Thll loon Ag,eement ond Note .holl nol opply 10 In.."o"". w,III." nn Ih.lll. ollh. Age,,' 0' ony mamber or Agent',
101m ad II" femlly,
2. Natur. of loens/RoPBymonl. Agnnr norees find understonds thAt IJIl marllns od\l'oncert hurl!undor IIrs nelthe, u"try nor en uncen.
dlllon.1 obligation ownd by the Company for Iny purposes, IInd tho A\lont shall romBUl uncondlUonolly bound 10 r,plY luch lum. lither
by direct rlp.ymsnI or direct deduction from commISSions In rellpecllo prOIl\HmllJ p(lId 10 Company or both. Such lum. ,hallll,.t be
ch.rged eo.mat end lfHllolly H!fH1yohlo from Agent's commlBIIlons,
3. Security, The lndehlednou ftvldonced by thiS Agent's Loon AgreemQnl dnd Noto Is secured hy 0 fIrst and .up.rior lien In favor of
Company upon any commlsslOf\S or nther compenllBtlOn or Bums or 8ccounts recttlvohl. now due or here.ft.r .ccrulng to A;gent from
Comp.ny or from any (Uh"r source Il) tlflr.ure Agnnt''' performance hereundor end tho ropllymont of allsuma dlJ' from Ag.nttoComp.ny
It . result 0' loons mode hnrdlJtHJor or pursuant tn any other Note. loon. or othor "greemallt between Ag.nt and Companv.
4. Termination. Thn Company '06FtrveB tho right to t"rminino tht!t IOIHl ogroomo,,, 8t ony IIIne upon wrllten notice to Agent. The
foregOing nolWllhstanduln, Itw I\nr.IJrtly hons l:rnAtl1d hereunder ond Agent's ohhOI)1101l to ropay loons hfJf8under shall .UI'VIV' Iny
.uch t,rmmOllor,.
5. Rights Upon TmrmnntlfHl. LJpon IltrtlHnAlInn of AOrtnt'8 Cl)ntr.1ct nr thm lrwn AWl!flll\llllt and NOh), lor whatever cause. the sum
equl\lBletlt 10 thn IHnfHHlllhlll (tltllP;lflY houJlJlltll!r /11'11 unclm ,)flY lllhlH 1r>olllllOtlWIlWtll hnlWItOIl CIHnpiluy 1I1ld AIJ~nl ShiHI. upo" slIch
temllnBtldfl, tlffl:Omn HIf/ PWICIP;ll Amount OWH1\) tHl 111m LOilfl An'lIlll1llJlll i!nd 6t\il1l h'li:llrtllt dlln illld PilYilhltl by Agent Immediately
upon fillet. lomUIlOIIOtl. AU",)t hnrnl)y IIIJr.H1!l 10 'fiPilY 10 Cl)t1Ip,lny, lH ordl!f. fillCh f'rlrlr;III;II An\lHlnl, Wllh Inlp.~.Jsl com pili lid on the bUls
i r
0' 8 360 day yall"or the I1clool nu,J. of dorB in t.IIJdllrHlJJUIiI fJOIllld nnlhu IlIl'HJh~ ICI,HII hollUlCII (InchlllUlO 1m,; lIlul III1.cC;",....
inhJflllllhl1l may hum limlltto limo he 8ddud to Ihll ",U1I:lI)/I1 hllllllu:ullIHlm'l hum thu ,'OhIO' Ihi' lO/ln AfJrtHll1luIII IIl1d NOhl until 'hlld, 8t
thi ,altl of B1?l'J po, month on tho IIn"oid holancn nwlnlJ. PWli:lPlIllIlld IIIIIH1I61 f:Ihllll hu JJllyahlu lit Iho nlfll:1.I of lIll1 Cum~J/lny, Comp HIli,'
P.n",.yIVlHlIIl, I~' At such othor ploeo 81S Hut noluhl)lcJlI' fllIIY ,hl'\IU"ll!Jt. lJp'H1 fhu IlIdlHII Hf 1110 A(Junl to pm'fI,m uny nhlluollO"IIlutur Ihle
Au,u.mont, 'hu Company 1110y .,'npIQY on. or mUfO jJllnmuy~ fl) unfou;ullli flUIlI,. UIHJ ,unulIhuli, lJndAUfJll1 hUUJhy IJUHU)!i In PIlY ,oution.
able stlomoy'. '00" plUG IUlllh., reosonable OlCpOfHWf6 Il1cllHIJd hy Hilt Cnf11'HUlY In OIU)fCIIIIIlO !lny of 115 rjlJhlB lJlld nHllQlUml hortlunder.
Comp.ny Itholl hllv"" no ohliUlItlon 10 lOok repBynu1I11 nrt;lJll./I:llIIlY IOlllll; "0/11 IIII~ nlt"H porBun m onllly hofwlI cnlloctll1u ItHJ IUMl hom
theAnunl. Ol,charo" of 8ny other penon or entity trollllllllllllly for II !cHill "hilll r1()llJtfU(:1 Allonl'lI Iidhlllty unclttr HUll AII'Wi's ltHlI1 Aorue.
m.n. Qnd No'e,
6, Right of PrOpiJym8nl. Agent may prepay the prllll:lflol 11/11011/11 I)UllIllIr1dll1(j In whole or in part. No prlJpllymont panolty shell
b. cheroed,
7, S.clJrlty and Sel-Off. To Iscure the rQn8~mftrH It) Clllnpnny nf /III umounla nul510ndlnU find th~\ purfllrmancu 01 011 other
obllg.lionl of Aoont to Complny, whether now ulustinu or hOrtl/ll1m lIf1l1lnU. Auunt Bcknowhldg"s and Burouli thul CumpallY mllY sut.off
Inv and all existing or future Imount. IYiflnst ony onmad C<Hl1llllll!llnrlB or nlhor 81HlIll paYlJhle 10 Aoent hy CurnJllJIlY. To further 1I0ClUlJ
luch repayment. Agent hereby Ituignlond oronlsto Company 0 so(;uruy Interost In IJII comrniUlons Dnd Bny other SUOltl pOYilhlo which
Ir. now or may from time 1011mB her08herbe eornod hy 0' ow"'o tuAuu"1 frum Company reoordlo8s whelher slJch sums lIro lJ8rrlod HI;
Ag.nt comml8lion8 or otherwl8e.
8, Docum,ntIUon. AI the "quost of Com pan)'. Ag.,nt will elwcuto and do!l\%'IO Company lIuch proml811ory notes, or alhnr nVldsnC:BlS of
md.blttdne.., 81 Comp.nvm8Y requesl, 10 furtherdc,cumentlho Olntllllll t)ul' ,ndlno. InlJddltioll, AOltnllloreulS 10 uxucule, dollver, file,
or ,.cord any and III nolle.., financing "'Blum.nls, SGCUrlly aoreemontll, D8slgnmenl8 or eoy other documsnts whIch Com pony may
deem n.c....ry or dulr.blelo ell.c., prot.ct, or perl.clllS rlnhtol s."off, secu'ily Int.rest end peremountand p,lor lien In .h. com.
ml..lons her'lnabove '"lgn.d,
___ 9, AIIlgnm'N, CompQny may e..lgn lIS rlghls unde, Ihls Qdd.ndum, Qnd Allent hereby consenls 10 s"ch ..slQnment
10, Welver, Pree.n.men., nOllc. 01 dl.honor, ond I),olest oro h.reby WQlv.d by Ihe Ag.nt and Iny eurelY, guarantor Qnd en.
dor.., he"ol,
11, Jurl,dlcllon, This Agraam.ntl, mad. In Cemp HIli, Pennsylv.nle, end shall be govem.d by Ihe Ilws 01 Ihe Commonweellh 01
P.nn.ylv.nle, This Agreemenl.hall b. enlorc.d In th. Common Ple.s Courl 01 Cumb.rllnd Counly, Plnn'ylvenll, or atlh. .I.cllon 01
Ih. Comp.ny, wh.re Ih. Ag.nt ruldu, Th. Agenl, wh.r.ve, he mey b., submlls hlm..1I 10 Ihe perlon.llurlldlcllon ollho court, 01
~.nll.ylvenle, III. .greed by Iha Ag.nllhat Ih.lns"renr.e Commissioner ollhe slale In which Ih. Ag.nlIs IIc.n..d with 'he Company
,hall b. .g.nl lor velld ..",Ic. 01 procu. upon .11 pertles to .hls Agreement
IN WITNESS WHeREOF, Iha und,,"lgnad plrtles heve ...cuted this L Jen Agrlem.nt .nd Nota 10 b. elfecllve on the dQte first
.bov. .pp.erlng, ~
(;11' CONSUMERS L,'E 'N~RAN COM ~
o CONSU:ER~ L~~E 'N ~AN C~, _:f.::...~r-H CAROLINA
u.horl.ed Ollcer
Wllna..
(SEAL)
Wiln...
ATTeST
CORPORATE AGINT
Nome 01 Corporellon
S.cr...ry
BY: ___,,._>____,_.__,_,.____,
Authorl.ed Ofllcer
.___ (REAL)
~
. ..... __ .___.__.,_,_____..,_ (SEAL)
Wllne..
Guaranlor
(Ind,vld".llIuere,"eelno loon for Corporele ^Oan.!
________.,__,~ .__.._ _,..______ ._n_______
Wltn'88-~~-------- -
CiUMlUllor
lI1ldl\lllluill (JlJl1rltrltlJolnO 1000Ul for Corpmnln Annnl)
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'U AlOGADO. SI US~ED NO TIENE UN ABOGADO 0 NO PUEDI PAGAR UNO,
VAYA 0 LLAME LA OrICINA ABAJO INDXCADA PARA QUE LE INFORME" DONDI
PUIDI CONSIQUIR AYUDA LEGAL I
court Adminietrator
Cumberland county courthouse,
carliele, PA 17013
(717) 240-6200
4th Floor
ICII.T .IAMANS OHIRI. I KILLOT'
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James J. Kutz, Esquire ~
Supreme ct. I.D. 121~89
Mark D. Bradshaw, Eaquire
supreme ct. 1.0. 161975
One South Market Square Building
213 Market Street
Harrisburq, PA 17101
(717) 237-6000
Attorneys tor Plaintitt
Consumers Lite Insurance company
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DAT.DI Maroh ~a, 1994
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I h.reby oertify that I am thi. day aervin9 a oOPY of
the tore901n9 dooum.nt upon the peraon(a) and in the ..nner
ind10.t.d below, whioh .ervice .atiafiea the r.quir.ment. of the
Pennaylvania Rule. ot civil Procedure, by d.poaitinq a ooPY ot
the .... in the United state. Hail, Harrieburq, P.nn.ylvania,
with tir.t-claa. po.taqe prepaid, via certified mail, r.turn
reoeipt requ..t.d, aa tollow..
John O. Jame.
6209 Mockinqbird Pond Terrace
Burk., VA 22015
laKlaT .laMAN. CHIBII I KILLOTT
r~- Ct)'/ir...~~J
Mark D. Bradahaw, E.quire~~
supreme ct. I.D. 161975
On. South Market Square Buildin9
213 Market street
Harrisburq, PA 17101
(717) 237-6000
Attornuya for Plaintitt
Consumers Lite In.uranoe Company
DAT.DI Harch :a:a, 1tt4
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ECk~Rr SEAMANS CHERIN &; MF.U,O~
' "Ol1<1XIlI"QRI GI NAL
IIA~R1!\IIlJ~rl.l'^ I' ~
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CONSUMERS LIFE INSURANCE , IN THE COURT OF COMMON PLEAS
COMPANY, , CUMBERLAND COUNTY, PENNSYLVANIA
Plaintiff ,
t
v. , NO. 727 Civil 1994
,
JOHN O. JAMES, ,
Defendant t CIVIL ACTION - LAW
laoo. o. IlaVIOI
The undersiqned hereby oertifies that he ha. .erved a copy
ot the complaint in the above.captioned matter by certified Meil,
return receipt requested, a copy ot which is attached.
DATED'
64122
J1:ut t:!), 1994
ICllaT IIAHANS CHI.IN I MILLOTT
bIJ~-,
MarJ( D. ~radahaw, E.quire
supreme ct. I.D. #6197~
One South Market Square BuildinlJ
213 Market Street
Harrisburq, PA 17101
(717) 237-6000
Attorneys for Plaintitf
Conaumer. Lite Insuranoe Company
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