HomeMy WebLinkAboutBIANCARDI, JOHN P.City of Santa Ana
_ Clerk of the Council
AGREEMENT TERMINATION
Please complete this form when the attached agreement is no longer n effect. ~ ~ ~ ~ b
Return form to the Clerk of the Council Office (M-30).
Call 647-6520 if you have any questions. ~ ~ , °
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Department:
Phone/Ext.:
Revised 12-07-07
Signature:
Date:
INSURANtE ON FILE
WORK MAY PROCEED N-2007-145
UNTIL INSURANCE EXPIRES
3'I-~~S
CLERK OF COUNCIL
DATEt ~ - I S~D~ PROFESSIONAL SERVICES AGREEMENT
lout i a Zei ba- THIS AGREEMENT made and entered into this ~ S day of November, 2007 by and between
John P. Biancazdi (hereinafter "Contractor"), and the City of Santa Ana, a charter city and municipal
corporation organized and existing under the Constitution and laws of the State of California (hereinafter
"City").
RECITALS
A. The City desires to retain a Contractor having special skill and knowledge in the field of
arbitration and mediation to provide professional administrative hearing services.
B. Contractor represents that Contractor is able and willing to provide such sen~ces to the Ciry.
C. In undertaking the performance of this Agreement, Contractor represents that she is
knowledgeable in the field and that any services performed by Contractor under this Agreement
will be perfomted in compliance with such standazds as may reasonably be expected from a
professional consulting fum in the field.
NOW THEREFORE, in consideration of the mutual and respective promises, and subject to the terms
and conditions hereinafter set forth, the parties agree as follows:
1. SCOPE OF SERVICES
Contractor will provide professional Administrative Hearing services for the Ciry of Santa Ana
Community Preservation Departrnent and Public Works Department, as set forth Exhibit A. Said
hearings may include Vehicle Abatement, Administrative Citation Appeals, and Alternative Public
Nuisance Abatement. Administrative Hearing officer services may be utilized by other agencies within
the Ciri' of Santa Ana.
2. COMPENSATION
a. City agrees to pay, and Contractor agrees to accept as total payment for its services, the rates
and charges identified in Exhibit A. The total stun to be expended under this Agreement shall not exceed
$10,000.00 during the teen of [his Agreement.
b. Payment by City shall be made within thirty (30) days following receipt of proper invoice
evidencing work performed, subject to City accounting procedures. Payment need not be made for work
which Cails to meet the standards of performance set forth in the Recitals which may reasonably be
expected by City.
3. TERM
This Agreement shall commence on November 1, 2007 and terminate on December 31, 20D8,
unless terminated eazlier in accordance with Section 12, below. The term of this Agreement may be
extended upon a writing executed by the Executive Director of the Planning and Building Agency, the
Executive Dtrector of the Public Works Agency and the Ciry Attorney and Contractor.
a. INDEPENDENT CONTRACTOR
Contractor shall, during the entire term of this Agreement, be construed to be an independent
contractor and not an employee of the City. This Agreement is not intended nor shall it be construed to
create an employer-employee relationship, a joint venture relationship, or to allow the City to exercise
discretion or control over the professional manner in which Contractor performs the services which are
the subject matter of this Agreement; however, the services to be provided by Contractor shall be
provided in a manner consistent with all applicable standards and regulations governing such services.
Contractor shall pay all salaries and wages, employer's social security taxes, unemployment insurance and
similaz taxes relating to employees and shall be responsible for all apphcable withholding taxes.
5. INSURANCE
Prior to undertaking performance of work under this Agreement, Contractor shall maintain and
shall require its subcontractors, if any, to obtain and maintain:
a. Worker's Compensation Insurance. In accordance with the provisions of Section 3300 of the
Labor Code, Contractor, if Contractor has any employees, Contractor is required to be insured against
liability for worker's compensation or to undertake self-insurance. Prior to commencing the performance
of the work under this Agreement, Contractor agrees to obtain and maintain any employer's liability
insurance with limits not less than $1,000,000 per accident.
b. Professional liability (errors and omissions) insurance, with a combined single limit of not
less than $1.000,000 per claim.
c. The following requirements apply to the insurance to be provided by Contractor pursuant to
this section:
(i) Contractor shall maintain all insurance required above in full force and effect for
the entire period covered by this Agreement.
(ii) Certificates of insttmnce shall be furnished to dre Ciry upon execution oC this
Agreement and shall be approved in form by the City Attorney.
(iii) Certificates and policies shall state that the policies shall not be canceled or
reduced in coverage or changed in any other material aspect without thirty (30)
days prior written notice to the City.
6. INDEMNIFICATION
Contractor agrees to and shall indemnify and hold hamtless the City, its officers, agents,
employees, consultants, special counsel, and representatives from liability for personal injun-, damages.
just compensation, restitution, judicial or equitable relief arising out of claims for personal injury,
including health, and claims for property damage, which may arise from the operations of the Contractor
or its contractors, subcontractors, agents, employees, or other persons acting on their behalf which relates
to the provision of services described in Section I of this Agreement.
7. CONFIDENTIALITY
If Contractor receives from the City information which due to the nature of such information is
reasonably understood to be confidential and/or proprietary, Contractor agrees that it shall not use or
disclose such information except in the performance of this Agreement, and further agrees to exercise the
same degree of Gaze it uses to protect its own information of like importance, but in no event less than
reasonable care. "Confidential Information" shall include all nonpublic information. Confidential
information includes not only written information, but also information transferred orally, visually,
electronically, or by other means. Confidential information disclosed to either party by any subsidiary
and/or agent of the other party is covered by this Agreement. The foregoing obligations of non-use and
nondisclosure shall not apply to any infonnadon that (a) has been disclosed in publicly available sources
(b) is, through no fault of the Contractor disclosed in a publicly available source; (c) is in rightful
possession of the Contractor without an obligation of confidentiality; (d) is required to be disclosed by
operation of law; or (e) is independently developed by the Contractor without reference to information
disclosed by the City.
8. CONFLICT OF INTEREST CLAUSE
Contractor covenants that it presently has no interests and shall not have interests, duect or
indirect, which would conflict in any manner with performance of services specified under this
Agreement.
9. NOTICE
Any notice, tender. demand, delivery, or other communication pursuant to this Agreement shall
be in writing and shall be deemed to be properly given if delivered in person or mailed by fast class or
certified mail, postage prepaid, or sent by telefacsimile or other telegraphic communication in the manner
provided in this Section, to the following persons:
To City: Clerk of the City Council
City of Santa Ana
20 Civic Center Plaza (M-30)
P.O. Box 1988
Santa Ana, CA 92702-1988
telefacsimile (714) 647-6956
With courtesy copies to:
and
Executive Director of Planning and Building)
Ciri of Santa Ana
20 Civic Center Plara (M-20)
P.O. Box 1988
Santa Ana, California 92702
telefacsimile (714) 973-1461
City Atton~ev
City of Santa Ana
20 Civic Center Plaza (M-29)
P.O. Box 1988
Santa Ana, California 92702
telefacsimile (714) 647-6515
To Contractor: John P. Biancardi
2 Pointe San Pablo
Laguna Niguel, California 92677
A party may change its address by giving notice in writing to the other party. Thereafter, any
communication shall be addressed and transmitted to the new address. If sent by mail, communication
shall be effective or deemed to have been given three (3) days after it has been deposited in the United
States mail, duly registered or certified, with postage prepaid, and addressed as set forth above. If sent by
tclefacsimile, communication shall be effective or deemed to have been given twenty-fow (24) hours
after the time set forth on the transmission report issued by the transmitting facsimile machine, addressed
as set forth above. For purposes of calculating these time frames, weekends, federal, state, County or City
holidays shall be excluded.
111. EXCLUSIVITY AND AMENDMENT
This Agreement represents the complete and exclusive statement berneen the City and
Contractor, and supersedes any and all other agreements, oral or written, between the parties. In the event
of a conflict between the terms of this Agreement and any attachments hereto, the terms of this
Agreement shall prevail. This Agreement may not be modified except by written instrument signed by
the City and by Contractor. The parties agree that any terms or conditions of any pwchase order or other
instrument that are inconsistent with, or in addition to, the terms and conditions hereof, shall not bind or
obligate Contractor nor the City. Each party to this Agreement acknowledges that no representations,
inducements, promises or agreements, orally or otherwise, have been made by any party, or anyone acting
on behalf of any party which are not embodied herein.
11. ASSIGNMENT
Inasmuch as this Agreement is intended to secure the specialized services of Contractor,
Contractor may not assign, transfer, delegate, or subcontract any interest herein without the prior w=ritten
consent of the City and any such assignment, transfer, delegation or subcontract without the City's prior
written consent shall be considered null and void. Nothing in this Agreement shall be construed to limit
the City's ability to have any of the services which are the subject to this Agreement performed by Cip-
personnel or by other contractors retained by City.
12. TERMINATION
This Agreement may be terminated by either party upon thirty (30) days written notice of
termination. In such event, Contractor shall be entitled to receive and the City shall pay Contractor
compensation for all services performed by Contractor prior to receipt of such notice of termination, subject
to the following conditions:
a. As a condition of such payment, [he Executive Director may require Contractor to deliver to the
City written Findings and Determination for any case in which Contractor has served as a hearing officer. and
in such case such Findings and Determination shall be the property of the City unless prohibited by law, and
Contractor consents to the City's use thereof for such purposes as the City deems appropriate.
b. Payment need not be made for work which fails to meet the standazd of performance specified in
the Recitals of this Agreement.
13. DISCRIMINATION
Contractor shall not discriminate because of race, color, creed, religion, sex, marital status, sexual
orientation, age, national origin, ancestry, or disability, as defined and prohibited by applicable law, in the
recmitment, selection, training, utilization, promotion, termination or other employment related activities.
Contractor affums that i[ is an equal opportunity employer and shall comply with all applicable fedcml
state and local laws and regulations.
lA. JURISDICTION-VENUE
This Agreement has been executed and delivered in the State of Califomia and the validih-,
interpretation, performance, and enforcement of any of the clauses of this Agreement shall be determined
and governed by the laws of the State of Califomia. Both parties further agree that Orange County.
Califomia, shall be the venue for any action or proceeding that may be brought or arise out of, in
connection with or by reason of this Agreement.
I5. PROFESSIONAL LICENSES
Contractor shall, throughout the term of this Agreement, maintain all necessary licenses, permits.
approvals, waivers, and exemptions necessary for the provision of the services hereunder and required by
the laws and regulations of the United States, the State of Califomia, the City of Santa Ana and all other
governmental agencies. Contractor shall notify the City immediately and in wilting of its inability to
obtain or maintain such permits, licenses, approvals, waivers, and exemptions. Said inability shall be
cause for termination of this Agreement.
16. MISCELLANEOUS PROVISIONS
a. Each undersigned represents and warrants that its signature hereinbelow has the power, authority
and right to bind their respective parties to each of the terms of this Agreement, and shall indemnify City
fully, including reasonable costs and attorney's fees, for any injuries or damages to City in the event that such
authority or power is not, in fact, held by the signatory or is withdrawn.
b. All Exhibits referenced herein and attached hereto shall be incorporated as if fully set forth in the
body of this Agreement.
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IN WITNESS WHEREOF, the parties hereto have executed this Agreement the date and yeaz fast above
written.
ATTEST:
PATRICIA E. HEALY
Clerk of the Council
CITY OF SANTA ANA
DAVID N. RE
City Manager
APPROVED AS TO FORM:
JOSEPH W.FLETCHER
Ciri' Attomev
a~ tiu
La a Sheedy
Assistant Ciri Attomev
RECOMMENDED FOR APPROVAL:
JA f. TREVINO
Executive Duector of the
Planning & Building
JOHN P. BIANCARDI
P. BIANCARDI
axID# O/'~ ~ y~_d'39 9
i G: ROSS "
ive Director of the
Works Agency
EXHIBIT A
SCOPE OF SERVICES
1. Background
In order to provide effective and expeditious hearings to individuals cited for violation of the Santa
Ana Municipal Code, the City would like to develop a list of Hearing Officers to conduct
administrative hearings regarding alleged violations of the City's Municipal Code. In an effort to
streamline the hearing process, the City proposes to establish a list of qualified hearing officers
that can be assigned as needed on a rotating basis.
Contractor shall conduct Administrative Hearings for the City of Santa Ana. Primarily the
Contractor will hear administrative citation appeals, alternative nuisance abatement proceedings
and vehicle abatement proceedings associated with action of the Cty's Planning & Building
Agency and Public Works Agency. Contractor may be asked to provide administrative hearings
for other City Agency's.
The Hearing Officer will be charged with making a just determination as to whether a municipal
code was violated, whether the property owner is still in violation, and will also make
determinations as to whether the process for the abatement of a nuisance, including inoperative
vehicles, will move forward. Hearings will be held in accordance wdh the City of Santa Ana
Municipal Code sections 1-21.8, 16119, 17-105, 17-108, and 17-135.
II. Generallnformation
It is the intent of the Cdy to establish a list of qualified Hearing Officers. The actual number of
hearing officers to be utilized will depend on the total number of qualified candidates established
by the proposal process, and the number of hearings to be provided.
A. When appropriate, the City will provide forms and information in its possession relevant to the
conduct of a fair hearing, including but not limited to Notices of Violation, Administrative
Citations, and Vehicle Abatement Notices.
B. The Hearing Officer shall be responsible for the review of documents provided by the City
prior to the hearing.
C. All documents and other products used or developed during preparation for a hearing will
become the property of the City.
• Contractor shall preside over the City's administrative hearings. Cotnractor will be required
to independently evaluate the fads of each case and make a determination as to the merits
of that case based upon the information presented at the hearing and the Santa Ana
Municipal Code. The Hearing Officer must be experienced and knowledgeable in
administrative hearing procedures. The Hearing Officer shall be responsive and maintain
excellent working relationships with property owners, residents, business representatives,
and City staff. Contractor's service will include preparation of findings of facts, hearing
dispositions, billing statements, and other documents as necessary.
Job Requirements for Administrative Hearing Officers
A. A hearing officer must be independent and impartial. In this regard, a hearing officer may not:
1. be an employee of the City of Santa Ana or any public agency that is involved in testifying
at a hearing; be a member of any board of commission of the City of Santa Ana;
2. have a personal or professional interest that would conflict with his or her objectivity in
the hearing;
B. All hearings will be conducted at Santa Ana City Hall, at dates and times to be determined by the
City.
C. A hearing officer must possess the necessary support and equipment tc pertorm his/her duties as
a hearing officer. At a minimum, the hearing officer must have and maintain in good working order
(1 } a telephone (monitored during business hours by a secretary, answering service or answering
machine or system); (2) a facsimile machine; (3) a personal computer, with Internet service,
running Windows and Microsoft Office compatible software; and (4) an electronic mail address.
D. A hearing officer must possess standards of neutrality and confidentiality.
E. A hearing officer must organize and maintain individual case files along with detailed records of
activity on each case, such as research, drafting of orders, decisions, and correspondence.
F. A hearing officer must comply with all legal and contractual timelines, including but not limited to:
1. rendering a final written decision, including findings of fact disposing of all issues raised
by the parties in a hearing not later than the 10th day following the date on which the
request for hearing was filed;
2. mailing the final written decision to the City on the date the decision is rendered;
3. returning individual case files to the City within 30 days of rendering a final decision. The
files which must be organized and maintained by the hearing officer are the property of
the City of Santa Ana and must be maintained in accordance with the Agency's record
retention schedule. It is therefore imperative that the files are returned to the Agency
within 30 days of the date of the issuance of the final decision.
4. Upon notification that the agency has received a request for a document pursuant to the
public information act, the relevant document must be provided to the City immediately.
G. The hearing officer shall prepare and submit to edher the Planning & Building Agency and/or the
Public Works Agency by the fifth of each month a standard invoice detailing the activities and
expenses by case. An invoice template will be provided. Payment for services and
reimbursement of expenses by the City to a hearing officer are further conditioned upon:
1. The reasonableness of the amount of time spent by the hearing officer on the case(s) for
which the hearing officer is seeking paymenUreimbursement;
2. The hearing officer's timely submission of reasonable and acceptable documentation
supporting all expenses being claimed by the hearing officer; and
3. The hearing officer's prompt return to the City of all file materials relating to closed cases.
4. Contractor's services will be billed to the nearest quarter hour.
Providing hearing officer services to other clients is not barred so long as the hearing officer does
not decline the request for hearing services more than two consecutive times; specifically, the
hearing officer must:
1. maintain the ability to respond to requests for hearings and prehearing motions wdhin 24
hours;
2. meet all applicable time lines; and
3. demonstrate that such outside practice does not conflict with contractual work with the
City of Santa Ana.
J. Comply with the decision format requirements set by the City pursuant to the rules governing a
hearing officer's decision as per SAMC 1-21.8, 1Cr119, 17-1D5, 17-108, and 17-135. The
decisions of the hearing offcer must include formal findings of fact, and meet in all respects the
minimum requirements applicable to the decisions of executive agencies conducting contested
cases.
K. There is no guarantee as to the number of cases that will be assigned to a hearing officer. The
City anticipates that it will establish a list of qualified hearing officers and assign hearings all on a
given date based on a rotation of the names on the list.
COMPENSATION
City agrees to pay and Contractor agrees to accept as total compensation for all services and costs, a
rate of $100.00 per hour, to the nearest quarter hour, for all hearing officer services provided to City. Said
services include review of the materials provided by City, holding of the hearing and providing findings
and determination. With the exception of City validating parking receipts for the time that hearing officer
is performing services for City, City will not pay costs associated with providing the hearings including
travel time to and from the hearing site.
AC ORD~, CERTIFICATE OF LIABILITY INSl1RANCE DATE(MMrt1DNYW,
PRODUCER 2 D O 7
THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION
COMPLBTS EQIIITY MARI(ETS INC ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE
1190 Flex Court HOLDER. THIS CERTIFICATE DOES NOT AMEND, EXTEND OR
ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW.
Lake Zurich, IL 60047
847 541-0900 INSURERS AFFORDING COVERAGE NAIC#
INSURED INSURER A: DaderwtiterS at Llo
yd's, Loadon
John Biancardi INSURER B:
2 Pointe San Pablo INBURER C:
Laguna Nigel, CA 92677 INSURERD
r,wcu wnro INSURER E:
~nol,rthrv~.o w I to ntwW rwvt BttN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED
NOTWRHSTANDING
.
ANY REQUIREMENT, TERM OR CONDITION OF ANV CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFlCATE MAY BE ISSUED OR '
MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREW IS BUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH
POLICIES.AGGREGATECIMITS SHOW N MAY HAVE BEEN REDUCED BY PAID CLAIMS.
I"~ oov
LTR
Ns¢P
N
POLICY NUMBER ICY EFFECTNE
DATE MMIDDfYY POUCVE%PIRATION
TE MMID
LIMITS
GENERAL LIABILITY EACH OCCURRENCE $
GOMMERLIAL GENERAL UAB9.ITY
PREMISES Ee xrorence $
CIAIMSMADE ~ OLLUR MED E%P(Mywie~rm") $
PERSONALSADVINJURY $
GENERAL AGGREGATE
$
GENL AGGREGATE LIMIT APPLIES PER'
a PRODUCTS-COMWOPAGG E
POLICY JEC
f LOC
AUT OMOBILELIPBILDV
Y
- COMBINED SINGLE LIMIT
S
AN
AUTO (Ea eaitleml
ALLOWNEDAUTOS
SCHEDULED AUTOS BODILYINJURV
(Per persm) $
HIRED AUTOS
BODILY INJURY $
NON-0WNEOAUTOS (Peracdtlmq
PROPERTY DAMAGE S
(Pmacdtlmt)
GAR AGE LIABILITY AIR'OONLV-EAACpDENT $
ANYAUTO
OTHERTHrW EAALC
$
AIfTOONLY: qGG $
EXCESSlUMBRELLA LIABILITY EACH OCCURRENCE S
OCCUR ~ CWMSMAOE
AGGREGATE _
$
$
DEDUCTIBLE
E
RETENTION $ $
WORNERSCOMPENSATIONAND W V A U
O
EMPLOYERS LI481LRY S
ER
ANr PBOPRIETO.ZPABTNERrEYECUirvE E.LEACH ACCIDENT S
ofTZFnuernevt ExcLUOeo~r
aesaieeunaa
„res E.L DSEASE- EA EMPLOYE S
.
SPECIAL PROVISIONS pelax E.L. DISEASE-POLICY LIMB $
A OTHER
$1,000,000 each claim*
Professional 851185 3-1-07 3-1-08 $1,000,000 aggregate*
Liability $1,000 ded each claim
DESCRIPTION OF OPERATIONB / LOCATIONS I VEHICLEB /EXCLUSIONS ADDED BY ENDORSEMENT! SPECIAL PROVISIONS
Subject to all policy terms, conditions, exclusions and endorsements of the
policy.
*Increase in limits and 3D Day Notice of Cancellation Endorsement effective
November 1 2007.
CERTIFICATE HOLDER CANCELLATION
Executive Director of Planning Sr SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION
Blll lding DATE THEREOF, THE ISSUING INBURER WILL ENDEAVOR TO MAIL3O GAYS WRITTEN
City of Santa Ana NOTICE TO THE CERTIFICATE HOLDER NAMED TO THE LEFT, BUT FAILURE TO Dp SO SHALL
20 Civic Center Plaza (M-ZO) IMPOSE NO OBLIGATION OR LLABILITV OF ANY KIND UPON THE INSURER, ITS AGENTS OR
PO BO
19 $ $ REPRESENfATNES.
X
Santa Ana CA 92 7 02-198 8 AUTHORIZED REPRESENTATIVE /~~,~ -
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ACORD25 (2001/08) OACORD CORPORATION 1988
` ,.
Certificate of Insurance
JOHN BIANCARDI
Policy Number: &Sll85
SURPLUS LINES NOTICE TO POLICYHOLDER -PLEASE SEE ATTACHED
Subject to all policy terms, conditions, exclusions and endorsements of the policy. Certificate Holder is not afforded
coverage under tha policy.
Mnders43A
NOTICE:
1. THE INSURANCE POLICY THAT YOU HAVE PURCHASED IS
BEING ISSUED BY AN INSURER THAT IS NOT LICENSED BY
THE STATE OF CALIFORNIA_ THESE COMPANIES ARE CALLED
"NONADMITTED" OR "SURPLUS LINE" INSURERS.
2. THE INSURER IS NOT SUBJECT TO THE FINANCIAL
SOLVENCY REGULATION AND ENFORCEMENT WHICH
APPLIES TO CALIFORNIA LICENSED INSURERS.
3. THE INSURER DOES NOT PARTICIPATE IN ANY OF THE
INSURANCE GUARANTEE FUNDS CREATED BY CALIFORNIA
LAW. THEREFORE, THESE FUNDS WILL NOT PAY YOUR
CLAIMS OR PROTECT YOUR ASSETS IF THE INSURER
BECOMES INSOLVENT AND I5 UNABLE TO MAKE PAYMENTS
AS PROMISED.
4. CALIFORNIA MAINTAINS A LIST OF ELIGIBLE SURPLUS
LINE INSURERS APPROVED BY THE .INSURANCE
COMMISSIONER. ASK YOUR AGENT OR BROKER IF THE
INSURER IS ON THAT LIST.
5. FOR ADDITIONAL INFORMATION ABOUT THE INSURER
YOU SHOULD ASK QUESTIONS OF YOUR INSURANCE AGENT,
BROKER, OR "SURPLUS LINE" BROKER, OR CONTACT THE
CALIFORNIA DEPARTMENT OF INSURANCE AT THE
FOLLOWING TOLL-FREE TELEPHONE NUMBER: 1-800-927-4357.
6. iF YOU, AS THE APPLICANT, REQUIRED THAT THE
INSURANCE POLICY YOU HAVE PURCHASED BE BOUND
IMMEDIATELY, EITHER BECAUSE EXISTING COVERAGE WAS
GOING TO LAPSE WITHIN TWO BUSINESS DAYS OR BECAUSE
YOU WERE REQUIRED TO HAVE COVERAGE WITHIN TWO
BUSINESS DAYS, AND YOU DID NOT RECEIVE THIS
DISCLOSURE FORM AND A REQUEST FOR YOUR SIGNATURE
UNTIL AFTER COVERAGE BECAME EF~~CTIVE, YOU HAVE
THE RIGHT TO CANCEL THIS POLICY WITHIN FIVE BUSINESS
DAYS OF RECEIVING THIS DISCLOSURE. IF YOU CANCEL
COVERAGE, THE PREMIUM WILL BE PRORATED AND ANY
BROKER FEE CHARGED FOR THIS INSURANCE WILL BE
RETURNED TO YOU.
sF 199zzz.z 7~7a oo7a1 D-2 (EFFECTIVE JANUARY 1, 2005 THROUGH DECEMBER 31, 2007)
JOHN BIANCARDI
LIB"290- dha Complete Equity Mazkets Insurance Agency, Inc. (CASE#OD4407n
binders438