Free Reply to Response to Motion - District Court of Colorado - Colorado

Case 1:03-cv-02485-MSK-PAC

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Filed 03/07/2006

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EXHIBIT X

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. ....

EMLOYM AGR
Ths ~t (th " AgeRt") esHiJg 1f emloyen rebnslup is be

..

Healand MóI~Coan an~d Ho~ P'mace J'~ opUecvety
"Employee-). is

ref to as "Hei" or "Eploye an ~£ .' ñ (the

da as oftbs is day-of .:vL.V . 20~. . .

WH. Heaand is a lice reden morto orion compa in vaous
states u fuy diose .on- Rider A atted hereto and mata a corate oßcc at 1401 Bradi Lae, SUi 300, Downen Gre, IL 60S 1 S (the "Home Ofce"); and

hero an may omy orie redential mOrtgage loaD in thse st Ust-Oß lUdcr B aucd
hero; and

WH. it Is the inenon of the pares that tho Bmloye is to pe al sece related to ths AgDt worki out ofih~ Head offce dcR on. :R.:B att
WH. Empioy~ba exence an knowlge.in th ol;on of~

~~.

mort o. de to pi cicn in the origl ofre~.~ ~ 0I

em wi be teapoìlail)e for _stg Heaan in ornw"l redea ~ loa an

to as "Lo"); an .
Hean in the peance of

. Wl,' Heaan se to re the Employ Co th pu of~ the orgion ofi-dm mo_Jo (høNer'reer
wi :elo is wiS to mae it sece avle to. ~ to the Uill.Ø-i iD th orgiaton ofroemalll loan
. NOW~ tHO~ in codenon of

- -

purp of

th mutu CO ba' conted th

Ilcien otwhch is adowod it is ag 18 CòDows:

--~.1.-:~.~'thEmÐ, ht ~ ~up thl- an eo ~~~ll ..lb. .

1. :£n. AN ACCANCE OFEMYM= ll ~

th l.'~~t~.:.:~Gl.~ Bi~Ui~ dd ..~~l
If "
"'l/..

2. _ILT,~:~~¡ SUl tö ap laii ti :-tor" in whch

~~~~t:f~a.~,._.~
ci'by"~.-i.bê:at iJltiAåwm..,~~ ...'."..,..th ri

Hlr&i~a;1r;E ff

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, . Emoy to tb payr of an money or the doiD of at;aç or tb& or ùi aA' ~ '

. . ." obJigaOD; Ji.OÍ,~ for which Emioye is or Qi bø..UiI~',~~" obtK
the wntt cons bff!plòy. In the:abee ofitttp~~yP8 prim ~:~, ai de

obüsatio~ Haö or ex inou by Employe sha bø th sOle respon.i~iy OfBi~lo~

liabilty or eX. . forbids the ao6ciOD of any customers who loan appHcaon we p~ lt'th ti of

and EmplOy ïb have no liil tor or o~6gaOD to lmloy reø IGCh dêt obUgao-i
(b). The Employe acowledge th he ha be innnod that th Emloye stctthe

tenoD orthe Employ frm any prevou emloymt., ei ~ i. ~loy or

indept c:nt. fo the puso of swtobs th Iba &O th pI emlo to
the Employe. Th Employe rerets th he sba not soli aø ~mer" wh~ loan '

applcati we pen at ,th ti oftemtion or an p~ou eDpidy~ èl. as an

employe or,inden 'contor. for th puse of swtc th 10":~ ~ prs

~L,.

'f

Bmploye. . '
. (c). 'I Bmloy rerets th as orth date of

emloye to thë Emlöy, The Employ fuer re th 1lbø' not ta...ywrai rerdi aJ compu. di whch ar the prope' of an pr.ou anl* aii DO use li

such wr'rcrdl or c:mputer dikl to solicit an loan app~ca nor øb be us, an maer
subjec to aplîle co prteon for any pu te tóbi ~ by the

th A¡ tb Bm~ye is DO

bod by (i) ln cont obligan to a pnOUI BmlÖytb wod.Rictctl Emloy

frm ente iD .t1'~or man wa~wi a pr em ril') aranY'

ot CO'~ re to an fi or 'pa ti.eøi~. -

wi be ~ -ltb Bi1 'sbll bive (I) ot fi ôr. ." "tlo ~ (i)

(d). -n Emi~ raRØ an WbJea th hi employ:-wH-r is an

~ it i- Öi., ôt ~ '~ fI lianOi Ur Qta- th...

pf:l# ~.~::gIiNI~eI fórai~~"~:~ to
1~.~~~;_ÇPCio_iabü..,no~.o:i-'. IS

j':i."",

~'.. ' ~Pa ~ æ.....it:...
2

L:_ (e). -iT'ap na clgn Rckc -i ~ot ~'..~ .. co.. ' .m_ íi US to lI.-Ð lD T~~--.. -.~Wi
(t). :Ia ..iaiq;ap...IiClnlqH-l-n~fO wN.-~ is

BaG)~:'i~::R:~~tO~:l~,*.7.:m ~

ß(l

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" . go øiriing an to fi aø appUcalo st Ç(ot edtaon '~. Th
or re as to the Employee. lice. ' '

Bmploy acowedg_ ti he sh DO be deper on Hcøaid in reg to my inrmn
4. TE OF AGRE: Subjec to appliæble law in tho jucton in whcb tls contrct wi be perorm ths Ageeent shal reai in ef for a peod oftw(12)
month Û'm the da oftbs Alt unles ter in ac~ wi the teûon
not temed ~th such tw (12) mon perod ths
provisions hereier se forh. If

teron proon. berei8.er se fort. 5. TEATION: (a) Ths Agent may be terted:
(i) by mutual wrtten agreet oCthe pares;
(u) by eier pa without case upon wrtten notice;

Agent sh reew for additiona perods of 3~ days unéS teed in acrdce with tho

Il ta of

tis

~

(il) by the Employer imedtely with case upon a ma bre of

i-i:1:).

Ageeent;

the ~oy to origi
the Emloye ba commtt an ac iI violaon of

ated her; (v) by tho Bnoye imedately if ~~ at _ Vi th Bt policiCl íi pr or hi orgtèd .

_ (iv) by the Emloy imately upon the disquacaon of

residen morpg ,in an lle in wh Employe is aloWe to or, asliit on Rict B

th

la or ha know IUbm &lae inon on II loan app1icaon or Jm sutted

låor~~~~~toa~l~to.~or 8f ÎDt( Wh~~P.~ origl.tmo,Jo or li~:tb ..,oltbs
an apøa wi kiØd th it ftøe dC th prpe" Or it \'e;.or li MI

loa in a

Emoy, ia it:_ cJ : ' .
(VI) hilì up the Emlos dea

st no ~ 1p th~oy (a li 011 Ride B at'li); 81 u ~Øi by th

~ii~
-'lI~
~~

it Îm~ fb thum to p:f()hll th ~ fiOD oftbjOb lM wi l-

(vii), by di El in th ev th th Bioy ba . ~ di tb -l

UpIU ~~fbH-l tf to pn.i ad loa çp ta øb OOfl tb da orøo'~ . ' by tbøm
3

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. ()) Upo ateatoø with ca an loan th lù witb 1.S Ml su is day he d. oftb da òf
such teron ih ea th Emplo~ a tù coon as je fort

to tho Empl~ye wi be rece by ono Ji Afet such ped DO.~er co~Q!'v. be
loa applicaûon ta on beh of EmpJoyee solicits the SIe cuomer for . new loan for a ne employ of

perod and contg tlgh the 30 day ftm 'sooh teoø the ~oii no~y P*d
pad to the Emloyee. Du suCh perod afer tennOD. the Biió~ al nòt be pá fu a , the Employ pnor to teaton in the ~ th th .

the Emloy.

(c) Subjec to applicale law, in the evnt ofa termtion with ~ due to fr in the
orgition of. resdential mortgage, or misapropraton or clico monies th Emloy sh be
pad cm for loa which hae close prior to or on the dae of I5ch teron wi ca.

6. BMLOy¡S DUTS: Th Employe ag to ac en on a iw ti

basis in the origion of mogagc 10l8 to the ganer publc an to us in th~p~ng of
eah loan application be orgies. The Emloyee fuer ag~ mata.~ rerd of
aU applications in copliance with appHcale stte and ftlaw, to ni löm fies in

l''f\.

øl
~'."...

pr~ se fo.by the Emloye. not to mae an ~ or CO~:OD be
of

compüiu wi the, po1id an prour se fort by th ~ploy, to~iioWa1 po an

tho Biloy, ~ at aU tles to uphold the go ii and reon SmlOy , In the ofth~_loy.
.

adon th Emloy 1b8 puan to the policies aid pr of

a. Ananse anor attend closing of sad Lo an
b. CoUec al monies due and owi to Head 88 a.re of ea Lo

ç. Tak al Lo applicaon in the na ofHeand and on bd of

H~~. .

trcton. -

~ ~ ~..~lyWi.au. ap;Q.lle at Hi¥~.io~~;8l ~nt
oc ~~~,olth lI,iD Wh tI~" be i-Wi. '

, d. ~.c: in ises re to monp ~OD8 ~ inor

"Qif Dfhp ~1n....Ji cM hO.
7. D~sr ,9JlJNNS: Al lb re by

. c. ~~.i poli II ~ orDBlIOy'W r- to thé

i~tf
-.... "

=~~:t~~¿~æi: .~ BonoW.' ", " '. ..~,
~ ii ..~ ~ta ti ap li de." , ' . ,
4

the Em~""~ th

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. ." 8:coMPS~Tl9N TO PARTIS: Heaan ag to ~ ~ tótb',
Employ in å(tdCo.With Schedule A athed, be and iDrptc by Md.ic Ui ths

AW~. ' '
Head ih :eier approve or reec sad 10. DE.Y OF

9. ADVETISING: Any adsin by Employ .ba be prppov by HMrd pnor to its use. Advesig sh be.d~ed to includ~ but ~~aU 1\ot be Ui~edto" ~

in newaper rigl7Ìnes other peodicis, rao spot& tly DU. An ~ iug advesi in a ~¡roç bulP~ Ci et.
shl be on be ofHea and shal cOmply wi appBcaJe laVan ~e 1iCe ,
reuirts. To tb exant an pre.ppoved .dver piec is die4 iidiy to tho

Emplo su Employ sb be rensble for al ço8t ~ ch ~cd.wi iuh

adWrsi his be pad in lW .

adversi ar sh at the tie of a re for appro cl t( ll tht such

DOCUMATION= Bmloyeag.thupòn Clerin.

Ag with a Borrwe (i.e. a Customer A¡en)tfe Bn~'~ ÏI~'~ iD
~ litÍh~~.

Head in wr an supply Head with a copy. EmlOy '~..~;ii pe

data,fo oa Lo fie øi be deled to the offce ofHe oU oCWb ll 'Bnlo
mae 8Vt~ ,for nme\"by Employe dung norm buei ho. .

work m a ti am.- . Hè8an 5b11ta sad mea in iU offce md SU Bl sh be

Employ fo,lh .co'oføutrS,U md;cI~ ~ Nl~~l-Jh'Co ofsuoh
~g is ~'dd~ OD,Kider C ~ bCr. In th ov ~ ltpi~ I~ ptbr to th

~....-"O P ay P the Em 10 n:i~~"' e èlocod to re..., '.1 f.:":ftO' &o th Em' I ., !Y""-- '."d~to~L.~ tb

. i i. RBtJ~ FOR TRG COSTS: In the avtb the ~ioy tw

oi.ye ~,Oftl ~;bè ii reii fb~;tb~.fo th ti ca...t¡!" ~er c. SiM -.i ii ~;..P4~ll tI~..~ " ,,'~'" .' in""' .eY' thBlp~'.~¡¡ ..wt"....- ~ CO ~-~. th,ri-i~8balfbe __.._ niui 'I ~ .: ',¡;'t '~a.Dl ~~~~~ .. , .~,'Wdem. the .. ~-~&~, ;.,'~ ~'~.. '. to cO.SU iimì' : ~v-'" ~Dletö,a1-:"..~,"I"'--'
ofi-,n....in.;~ ..... .' ' ~.1- .~'O~ SU.

COVEAN. ~ th t- l1Co:,Ji(l øb " ' i2.:1-'~~' (A) As..
12. ÇQNFIl. NON-50UCITATION AN llTRCT

iEè~Bi_t;;~~o£. D _..íaci(~~)öi-illo.ôf " ,. ".",. ""-",, .
(ii)'.... ,. .' . ~ '",' ': ,',' ,.,'" ".'.., .' ~"" \;:J¡,;;.~tn,~--,~ ,.. .i~~~-lih~"."" ::,:,-,~tw~~" ,""-,i'!(~~~,~~;~ ìI";MoM'~~':'.;.~.i~..,,"',ï..;i.i\--'¡:f~''-.'''' .. '~"'''..". ' .- .:~,; :".., .'0' - ",,' ,,,: !', ' ~--" . ., lli.1ii..,-.", .~,:_.~~~,~L',;' iIÜ~-":"'(i':ij"'~' '~'~'~~öl,.,~~.:aít .:_ ..'.'", ,.., :~.III,~ai~..~.~:,OI,lly-lof ll (IV)

t/

.' .,;,;;.

_~:IÍ~~~Öf~.iè,..~~1b
.;¡¡..'.,~ or Cl,: ui-tiÎ .. .,' .....'c;~,...Ìl' ~." ....'

5

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cu IiOrf ba' inors or an employe or ag, tbfwi wlum,HMud cOnucat~ (v) the tte øe nike make tedques -lidel,ar,~ pl

Heaànd 'its offce diri shaholders or empl~lId;in ~~ey~.by
asist sueb,atorney in bis or her rel=òn of

...... dg..' ,.. ee " ~~ 0 ac , il_..'....... (\I) ".:' , poss~, GV",op_:.:..:..h.l-ed r ui b y Clt, ." àíy" ,'~õi bä

Heaand for ~y pursé or any pen ~ed or employe by ìl atiiòï the to of Heand; (Vi)' an tQr ai pu

Heaand or ooDeaod by Heaand which'is protec by the ~4&h-:aliey Ad inc1udi

bu not ii to the prite ficiBl inointion ofHcad=1 niort~ CWaiengive to
Heaand; (Vi) an inormaton in red.to those companei or enci wbdi,supp,W inte

cont with such coanes by th Em~ an (ix) iU ot ,
lea to Heand or an

maer or th. whet or not rcrded on any 1l~ (a) by which Head dØr acl
or poteal ecnomic va ftm such inaUer or th bos Dot geteiy ~ to'.øt per

Hea I~ opp to obt an adva ov it coto ,Who do ii kì or us th

or eatitièl wh might obÌ ecnomic vaue tr it diosu.or UN .or (b) wh gi

sa.

1~ \..',.

buse8 and'ha ~êd or wi exend. irgncm su ótinOl;' ànd ~ ~"ot wi
~ a lÌbitiaJam~ oft:e to deop and us ai in' th~:,ottho

(B) Empl~ acknowledes and agr th He is enr' in a ,hiyc:ti

Cøridonild: Iinnon. Hed hath 'obt. or wi Ob:.a,\i1âhu~ClotiQmc UI
bu~ ~òDpiwi its Clstomen 'If

~cJ baëui~:~'Wi ene. it to d~ópan.~.I~D ui.~:._1i,:ìè~ su Confdenl Jøfor..--iOu ~"~to anot' pc or -l:Öt us tb the be~ t#amOt.:g,,~~,: ~lM wo ",' "". " ' .' '" .~../~~'~~.'''~

su iraro bi.løSián beme ' 'bU"l, kn ';~.i.'l~~'-:.,.øoti dme. Ac .1;-"J!:'~~ d, ''-, :

" ' ór biii bý Bmployo: -' inolv M,áb, ~ ~ ~~ ~ ,~~
. unes tJ O) IiÒl

ot p;Øn~ or ot 0Ì . . my
-~rv.1-":-- " ~'iKualVUIC"YiÌ"" ,. HG-~m '. .
l".

pr of Hei . . .(ii).~~~~~bibo.cfan~di~,taprai~ th ~.-~:1IdiolU tòll oo oraJ orll or

_ (i th CodeDalloon is. an at an ti li sh ~ th tOle

-l~~~=li:~,:~~~~.~~dubi

if

.._._~~ê~ ~~~-¿_..~~
6

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~,

~

-

12..3 RETRCT COVEAN. Dug!le pe04 ofBaloyklemoyen by
Heaan 8ldfor~, ptn,d or one (i) yea af øuh emloy :te~ .cot ii i-

~, SåJOý shft dt 4i or ii ,:òi li 0W'~ ~r_an pen,
~ ~~.Join 'V. ~er. ~ror'~id-"ôï., ot

fl ~ ~'~'lonë)r. ot eò or in ai ot ca~ In IJ wa:

COliveWh-Ïl. ~ of

an H-l~~:EmOy -ied ,

th ":,L, ~~_~ ' ...-..1 l-ul 'f " , " ", ",,' Hean-lbw wi'. -- fl (2$)' mi-..:" 0
,(b~ ~~'~.!')' or ~t onl_ ftmor aUemetw it,~ ~ aw

(8) ,~Gl ',~ in or ai~ or as IlOi in th condct of.. bn~,wldi is

=~_Ø":-cW~~i:~=r:-wI
th iï"*jèltlllfpl~;t.~'(12) iiDt pe. .' " ,

(
..' ..

~~_.l1¡&~ti
7
J-

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'. . 1a II ofti ef an moÎu in obts IUcJ ùi l-d 'copaes 88 ar us by

Heaiid and.th Bml~ regn the vae of such vedor to' HCliu

12.4 R.ISS. Eiploye aelowledges an ag th the busiof Kced is

highy compettie an th violation of any of the co~ prc:d~ for ÎI,P~bi '12. 1.
12.2 and 12.3 6fth Agen wod 'ClSè imedate bnealê and,~leJi los

and daage to Heá1aid Dot adequaely compèDle by a monet awa. ACCnly
violation of sad oove or an of the~ ma be enjoined ot reed by an cour of

Employe ag Vlthout litig an oftbe other reedes availle to He th an
competont jucton, an th my tepo retr' orer or ,emer p~imina or fu

injunctoDl may be ilOd by any Cour of copetent jucton wi~t nOtce 8n without

bond. Ii th evt'ai prgs ar commence by Head' ag Emioy fo an ac or thed violation 'of ai of sad covc~ Employ sbtl'be 6ablè to aes (or. an sh pay to' H~ al co an e:tm of an kid, indu reø8le at~ fe which
Hea ma Îneu in eonneCion with such procg¡.
lZ.S ENORC£. It is the deir of

th pares th the p~OD ofPUahs
if

....

,..

a.

12.1. 12.2 an 12.3 ~ enorGO to the fUlles exent peiSIõie under the Ia~daid pubJi pølies
in ea jucton applicailty ôtSeGolÍ '~h) hef

sha be adauaa ~d or un~ie or ifth apJidl,~to 1i' pl or

'in wb~ ~ may be sot. 'Ac~withou 1i'.'g$ an pU1cuar jxOD o(~ba~2.t,i2:2 or 12.3

Pargrhs shall ~ d~t~l:i:nended to del'therm-lldi pOrt,80, ad~j iad

~ce, th'bè àdjndied to be Prhiite bY or ümd UDer 'ti :çpii~~:la, su

deleton to ap: oply ,with re~ to the òpeon ô.t såd' pl1bi .12.1. 12.2 Or 12.3 in th

pd. jUcton *0 ,edjtdièÄtiS on the plÏei and wi th ~.'to wb

ad~an ~Pa-Pb' sb only bè amendec to na theå to tb.mli;mum. ex.

whtb,jp th:'~ 'i; pCllinLtt.~ ~t~.1a to p.. i2.i~ j~~2,iu 12.3.

re ~ Ui~a, )Y'b dccëd to i. IQtUtoto 8Ü:pocmso ~woB

;¡~~;r-i: .. , .
i" l....

, ii~AVQ~g¡QP CONFcT:. It is tb~ ~t9~ an

,':~ :;~: '.:\:,':" ~; 0:, ':;,:" ~;~;':.:~,:~':-,.::':'y '," "'V'W: "~,.",""",;,~,;:::,'f~:_~s,.',J,:~:t:~,~;,;/~":,:;'~;,:~"::;"1::"!~~r,-:'~:~ç:':~,,~:: ~:'~"~:':~';:¡:. .:"',~:êr
. . . . ":l:,'. '; ,,:: :. i .' _. .~ . ,_ "'A ': '.J ,~ 'r ":~" :., I", '.:' "" - ,'~'. . .

J.:~~

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14. BOOKS AN RECORDS: Al rerds in re to the Lo Aplicaon shallat el

times re th exlusio propèt ofJland.

1 s. BENS. Employee sh-i be elgible fo an bets alowe ge to emplo~ ofHea ba upOn the reuiements for suèh bents as dioc by the Boa ofDtn ofHeaan or the ven~ supplyi such bets.

16. LATOP COMPUT SOFTAR:
(a) In the evnt that Employe provdes a, laptop computeIto Employ Emlo
underds and qr tht such comput; togeer with an so~ar,ow by or Ii~ to
Employ aid providec'to Employe, sh at il ties be and re the ,aicl pr of

Employm- an sh be us ony in coon ?ñth the cxot ofEiipløy buøi B1d in
acrda with ai ii áI roe. polieieø proceur an order.- imloy may &oiD tie to tie adop or gi.

t'

(b) Upon tertion of Employes employmen with Employ. an laop cote '
. anor so~an re docuon owød by en ,iice to

terión ofEDläys emlo wi,Employ. Bmoy may,'WildaJ, '-l âi due EmploltolnBmoY -ll:an là~,
compeon,'diio or tó beme

..; Sbbe.~ edi . pøy ~l"&U;1'- " :": .:" . '. copiesth..gu. " .Jn., reyto Eml. "'-1~ fber,' ~, ."'ti,up

ßtloy. ~ an

th ar teÖi ro' mni;loyet. - . .
reDle ifïuch itar ~.or stolan.

soft anelor re cJ0n oWed by or lioe to Bm. in 'BI,ooes

th Bmploy. the EilOy,sha,bave no reponiibilty to sa such ìt' àn wi no be

(0). Intb ~ th Employ bri latop compute.or soft ontothtJ prse of

I

~_~~;~~æ~£..d... ~(-l..id,.,.ll.,ød'~"líecuo'~g~";~ iii:__ia
17. .SMY$.WBSIT AN JN ACTI: Du th te Of

~~:\

=:=lGli~:i~..~__~ ~
9

18 P.wmOP.'A1'kN ~til.~~-~
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opC a.clre an Ki'aÍ ~ efope or ~.r'.ldn'to Bmpl~ an

dèl vi the Uniie States -Ma or other mea to Bm1ons:omce ..'to tK fo it
Bmployor is or may be,entitled; (b) to d~posit any cuency an enorsaad n~ an and al checks dr money order or oter form of påymt mae payle to Empio Whch ar or . Uldlor_thi
may be tho prope ofElÌploy and (0) to the ext.pC by apliaile la

an cuncy~ chec dìmoney ordø or oth fonn of paym ~c1o, .tt. to whch

A8ent to deduct and wiold from any compeon due ,or to be'duo Broy ftm
Employer ,an ând allU owe to Employ by Employee uner tli ~ or an oter

agrmcnt wheter oi' or wren. .
S3 in the conduct ofEmploycs busies a mi of 00, 00.

19. INSURCE. Emloye ag that durg the te ofEmploys employment
with Employer. Employe ~ maintlU in efec on any and al motor vc,Cies us by Biployee

00 in comb siÜi bo

inju/proper dae liilty ince. Employ fuer ag to dC£cw 'iDl' an ho and al clai ag Emplo fur ines or daeø
Employ haes frm and aga any

case at alep to have be ca by Employ whe opti -ÐY motr .Vcclein the

co and sçpe of'Eiploys employm with Emloy. . Furer. Bmployil no
,~,. ofBmloys anloy~ with Eiployer which could re in . dai ag.

~l Employ with 24.hou of any motor vecle acden whch oc in ~th Bnloy. co an sC
. 20. RB9LUlON OF DISPUT. Any dispute cl or contvC by or be Employee anor Emloye arg ou of or reat to th A. inah-l&.bu no ti

to øa disp' c1aj or conir re Il com~OI al tô be(l~ i3ii unde ths ~ shlbc"-subittedto arid~ bý~tb ,~Ga AiOi AsOl (AMQ) in, Cbea" DUoiS wldedii Comö Aion ltCl . ,,.NOtw~~ ais eontäëd beto th, cc., ii ~ ~,~lU ~bre by
Emloy ofii pr~ ofPørpb 12,1 (AOileøal,anPtêt:lione) or
Plnh ~2. (ANæ.s,;.on8) orParpb 12.3 (a~:CoVC) ôT 12.6
diM' orlR..;i,

(MVo~of~_) óf:th Agri Bmløye.lV'l~~" ~ 1I.u1å ort , ,...GI aU' 8gS, ~';';to,~"''': ',.. . , ., ,_~ ,. ...___..~~." ..'. '. br0,thlI~tbO~iI.¡tølOle

, , ,.. ,..,_" ,.1C ' in."" -J, ,Ju .. , ~~;lliât:liø.iñ'Eö~I- .' i--.1-ci or ~'.'" ~' I: th "

î~~'~DO 8p to rc åv1e to th _ioY ~ÍO sieon

=i~~~~t.~~,~~ ofli-røi~~ól,~~ --.. -I ,.. ' ".UI--l"

21. ~~~nON:,Th_loi-be~lD~ba_th

Ji ..~;~~~:~itm ...í iM~.ti __-c~~¡æ40..!d:.i-

lr

"

tl~.~.~~.lliØ.~-:tr~~";
..òtOr__u.ui~ oêwitb' " otbi '.,' " . ':. .., -.I
10

. ~ ~~~.is,pdaiiny i.p~liliblelùIl~~'ma'.:dù to JI

(!

Case 1:03-cv-02485-MSK-PAC

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Page 12 of 18

. . la' .. ODO aw,~__uw u-'"i~., .. ," ,\., "." , ,'" armVlO ., fl ",.Mj¡~.""to ftdotlfCl~-l.';önor'siac,wb,wø

anlid lu tI-Eolø . for th co' en ro ce acon'by tI _I~ whCh
,"'" .

",.,yr ,ii, _,' ...', '

impose legal1illty~n th Bmpioye. Without Jitig th&~: suØt -in~,~~OD sha include an teplliab impose on th Employer for th,açQßS Øfth(Eo;i,ployëJ1tcnsi
or atempt to or a mortga in a jusdcton in which th,Bmpi ø prbi'btål-by tI

Ageeen or by the licere sttue ()fthe ip8cale st. '

rr~u:~~::~~.¡t;~==~~i=.
an ter her ma sign by the par ag which encet of

m..:~= 't=;::ò:;~~.na ~1i"'=:!ld.1:~:::. . r
22. MISCEOUS PROVISIONS: (a) t'ftP.dri.i. Noitl th ~ nor

be amen waed or diøc or. bU Or ~ is sm. the ai Wø oDyby~.Ìlwr

(b) JleB~. Th heSS in ths Agent ar tor eonven or t6çd oi an
sh not del or 8nû th prosions herof. '

$ i,~\

Q~':R

(e) ApJ)lieae Law. Th Agt shal be consed in aord wi aø goer
by th laW. of

ioc.

the stin which the deste offce as se for on Rider B, athe is

whch sba eori'lfor bu aU ofwbicb toeter sl cô.D bu.O!~'

(d) Çnunlt8. Ths Ag may be exted in øv. C(, eø of

(e) J~dlC)n ot,Co. Any judicial proi,tiS- ~; Oie paèa ~tJ '
Ageeeo. sh bé~ in th st in whcb th d~cd Of0b .. se M:'OD IUder B

at l-t) .Jò..
(f)P~ii ,~ Al of into tJ 1XOfd'bO bn upo

. -

th th cove aD ~,li ,CØ,sh t. PIr ~ ~,.~ ~- iå u-p.

swli~æ£5ftJE=n .. ,. :.,........ ~.. l-.. .... .. ~". -l"..... it (k) ~,,~,.~"b -l . . ith~...'.in.. \1'"
~: :.~~

Cs ',~"N~~1I,~ øbbè inwrdn '-lbó ~,de

l,

~.II..~ - ," . . . .
11

tY

Case 1:03-cv-02485-MSK-PAC

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(i Wai. ~No wi, or al wa, by Bnploye- olan.te cttiøn or prvion oftms AgéØt shal ~ .eece for tm puose wbati un~ such ~ is in wt

ind aigaedby . dulymthorl offce (i Vice~:Pden or hi) 'òtEmloy. An wive by
Employer of an breah of

th Agent sh not operate or be cons as a waer of an

subseuent brech.

(j) padr Aørent. Ths agreement is intened by the paes her 88 a ~ exsson of thei agren and unemdig with repee to the subjec mat~r hCfand Ii a complet
and exusve stt of

qrontll and Uiderandigs. ' so soolU oftbs Ag m: in th
(k) SecoiÌ Hellnp The beags of

the te therf an IUpcCS ai an .i pròr an eó

for conveøetce ófl'ctce and ar not a par of an ar not inded to gowm Om or ai in
the conscton or an te or prosion therf

(1) Çoniron Wh nec, the maslie sha incle the fee or neuter an
th siguar sl incle the plu an vice vesa.

~~-

(m) As¡;men (i) Ths Agent is per to th Emlo an th Employe øh not seD asign or othçrse tr an of th righ an bill ~ wi th pror
wr~eD co of sha be wi and of the

no ~ ,or efec. .

Eiploy. An .atpted asgnent herwlth prót wren cons

ob~ODIier to an pe fi or corp to wh it ae or tl a inor
poon ()t-it ...

(d) The B~pioy shal have the rito as th ~,an al ofit

~_'Ui ìU W _ th($10'OO'OO)'l.b.' .', ,'. th ~ ,pato th'I~""'~'i¡¡:iI''''''':'..n'''::~ .~",. . ' ,", ".~.,.,,lr~'fO of'

_ (n) ~~~~;~-.'fl. In th CN th Emlo vi th p~ orSecon i2.i(A)viil~'löt: "O"d- ,ofcùf1-~aUid ,'.,th., '. ~"', .,."iI . '
.' " ",?~l' ' U:/ UJ ~i1- UI .-.. ~¡J' .'

~~_~~~tl~i~~~oaôras: ~11ñ,&:th,J;w.'idlD ..~:.:'I~"".:;. - " ,.,~h..
(9J:i:~~"Aiit~7J. l'Eil. k. l-_~,~:_~~:tô,~~te::to-i~'lU.th ~' . Of1h . ~~,:cb' .~ ~&ô*~,íi_tÖ:í¡.',ärikir'll~is in;'..' v.

it""
~~.,

~
12

::

Case 1:03-cv-02485-MSK-PAC

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Page 14 of 18

- ab wren. . IN 'WS WlP~ th parOl have exed tb Ag II of

tie dae ti

Employee

Employer
Heaan Home Fin.. In.

'~e. E,1!T'
"3'f M:fT ,ST

Heaand Mortgae Company 1401 Bradi Lao

Dower ~ ntois 60S 15

ß.cu E. u!..~

f'--#~I~
Numbe:
.hÎ!.

BY:.~.

Its: I~.L.'_ -L. ~;t.

Emloye's Soc Secty

t s93..sr - wi 0'
k:\IS'\8093\eplo4.1oU-is-03\1-31-o3\4-14-3\S-S-03

il¡

la''I

13

~

Case 1:03-cv-02485-MSK-PAC

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Page 15 of 18

Rider A
Liceses of

Heand as of

. 2003

tl

Ii\.~..

.:

t'

...."

:;

~

Case 1:03-cv-02485-MSK-PAC
::

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Page 16 of 18

Rider B
Oesgnat Ofce of

Emplyee and Sta Wher OrOD Pered

Doo Ofce ofBmoy -l r1 g¡)~ ('* Z) PeJJ~ :iy'" v.A1A

_ in wh Bm ma orgì nsei mor iii --. (,¡l, .

i~~n

ai

;;i..~~

Employ Ins ~
.:

..fT ~:' ...r..

Case 1:03-cv-02485-MSK-PAC

Document 367-9

Filed 03/07/2006 Page 17 .......:...... .....:...._:.::.._=.:"'" "." .., ............".""...n..."""" ....'I"Ii~l:.,... of 18

Rider C

Reirsent to Bmployer for Tra
Cost of

Trang:

f -e ('Z~-=),

Employe Ii BI

i;, 'fl t~::
~~j

ø.
\tt.~;~¡; ~~.:

Case 1:03-cv-02485-MSK-PAC

Document 367-9

Filed 03/07/2006

Page 18 of 18

ScIe A

Compeon
For al seee rede by th Employee under ths Ag' tho Ello.sbpay Øi
Empioyee a commsSon upon fudi ot redential an có~ fi' bbt fo cl-i
genered by the Employe bas on the foUowig coøissoß,lde: '

Heaand Le

Bmloyaè Gecnad Le
470.4.

HM

35-l'"

Conform

HM
/I ~~~~v

400.4**

S,2%~'"

Non-on
Broker
30%.

42%.

.. % QÓonpad on appliC(le fe les th ~ng fe

#. an ió in Wbëh H'ei aC as th Lede '

.. % cO~søc,~8Ìd on aplicale fe indi th pr re

..

Th qommssÒD pad on ea læn øI Pale on th. 'fl pay d'1bowi, the -

diøb'otGi ~ioi Sad IOIi prëd 'h~l ;th'lú-~:'~ l- òr,'i- cl pror to ìåd ¡J . Ît:bó'påyalo On the iëiø.pa ~,:~.

comm....,:_:. ûö:ti sb aD ~ be pa i.. ll si,__'òtUOè:OO.ci

. _In ~,to ~,:ib th Eilo~ wi re asc~~)~'" ~ls:oo .-ma

an tw we. pay jMOd. . ' '

~
~, ~~h~T

~