Document:

Service Agreement for End-User, effective December 31, 2003

 Exhibit 10.9 
  
 

 
  
 This Service Agreement For End-User
(“Agreement”) effective as of December 31, 2003 (“Effective Date”) is made and entered into by and between First Advantage Enterprise Screening Corporation (“FAESC”) and The First American Corporation and its affiliates
and subsidiaries (“End-User”) and supersedes all previous agreements entered into between End-User and FAESC. 
  
 SERVICE AGREEMENT FOR END-USER 
  
 1. Purpose & Scope of Services. End-User desires to obtain from FAESC consumer reports for employment purposes (“Consumer Reports”) which include,
but are not limited to: credit information, motor vehicle records and driver’s license information (“MVR”), criminal and non-criminal information, drug screening, social security verifications, and other consumer-related information
as assembled by FAESC. As a condition to permitting End-User to obtain Consumer Reports, FAESC requires End-User to enter into this Agreement. The specific services that will be provided to End-User are defined in Schedule A, Scope of Service.

  
 2. End-User’s Obligations and Legal Compliance 
 2.1 End-User agrees that the Consumer Reports are being ordered for employment purposes only and will be used for the purpose of evaluating the subject
(“Consumer”) for employment, promotion, reassignment, or retention as an employee (“Employment Purposes”). End-User’s use of Consumer Reports for any purpose other than Employment Purposes is PROHIBITED unless End-User
specifically notifies FAESC in writing that it intends to use a Consumer Report for a permissible purpose other than Employment Purposes and obtains FAESC’s written approval to use such Consumer Report for the other purposes prior to End-User
ordering such Consumer Report. FAESC’s approval does not warrant or guaranty, expressly or implicitly, that such approved use shall be legally permissible or in compliance with The Laws as defined hereinafter. End-User shall consult with its
own counsel to determine the legality and compliance of such approved permissible use. 
  
 2.2 End-User, in ordering and using Consumer Reports for Employment Purposes and other approved permissible purposes, understands its obligations under the federal laws, including but not limited to, the Fair Credit Reporting Act
(“FCRA”), the Americans With Disabilities Act (“ADA”), the Drivers Privacy Protection Act (“DPPA”), and applicable state and local laws including any changes, supplements or amendments to applicable specific state
forms, certificates or documents, or such statutory rules, codes and regulations as well as any case law interpreting such statutes, rules, codes and regulations (collectively referenced herein as “The Laws”). End-User will comply with all
such obligations, and will be responsible for its own regulatory compliance and staying current with all The Laws. 
  
 2.3 End-User shall not obtain from, rely on or hold FAESC responsible for any information or opinions regarding The Laws provided by FAESC. Information provided by
FAESC does not replace or waive End-User’s compliance obligations under The Laws or this Agreement. End-User acknowledges and agrees that it should obtain such legal compliance information or any other advice regarding The Laws from its own
counsel. End-User hereby certifies and, with each order of a Consumer Report from FAESC, continues to certify that End-User has filed all applicable state forms required by The Laws and complies with The Laws, and will use the Consumer Reports in
compliance with The Laws. 
  
 2.4 End-User represents and warrants that
prior to ordering Consumer Reports: (i) End-User has given a clear and conspicuous disclosure to the Consumer, in a document that consists solely of the disclosure, that End-User is obtaining a Consumer report on the Consumer for Employment
Purposes; and (ii) the Consumer has authorized End-User in writing to obtain the Consumer Report for such Employment Purposes. 
  
 2.5 Prior to taking any adverse action based in whole or in part on such Consumer Report, End-User will provide the Consumer with a copy of the Consumer Report,
and a description in writing of the rights of the Consumer under the FCRA in the form published by the Federal Trade Commission and comply with all of provisions of The Laws relating to adverse actions. 
  
 2.6 End-User will not use any Consumer Report in violation of any federal or state
equal opportunity law or regulation; order any worker’s compensation information on a Consumer unless End-User has made a conditional offer of employment to the Consumer; or use such information in violation of the FCRA, ADA, DPPA or any
applicable state law, or any of The Laws. 
  
 End-User will retain the Consumer
authorizations for at least five (5) years, and will make available copies or originals of any or all such authorizations as may be requested from time –to-time by FAESC. Prior to destroying any such authorizations, End-User will notify FAESC
and provide FAESC a reasonable opportunity to obtain the authorizations at FAESC’s expense. 
  
 2.7 If Consumer Reports include MVRs, End-User shall be responsible for understanding and for staying current with all specific state forms, certificates of use or other documents or agreements including any
changes, supplements or amendments thereto imposed by the states (collectively referred to as “Specific State Forms”) from which it will order MVRs. End-User certifies that it has filed all applicable Specific State Forms required by
individual states. 
  
 2.8 If End-User is requesting verification of
current employment status, End-User represents and warrants that it has obtained permission from the Consumer to contact the Consumer’s current employer to verify the Consumer’s employment status for Employment Purposes. 
  
 2.9 End-User will verify the identities of the subjects of all Consumer Reports,
obtain the permission of each Consumer to obtain the Consumer Reports when required under applicable federal and state laws in the form required under such laws, and provide all notices and disclosures required under such laws. 
  
 2.10 End-User agrees not to resell, sub-license, deliver, display or otherwise
distribute any Consumer Reports to any third party except as required by law. End-User further agrees that any information in the Consumer Reports will not be shared with any third party. 
  
 2.11 In addition, by placing each order for a Consumer Report, End-User hereby re-certifies its obligations as set forth herein this
Section 2. 
  
 3. Warranties and Remedies. All CONSUMER REPORTS ARE
PROVIDED “AS IS”. FAESC MAKES NO REPRESENTATION OR WARRANTY WHATSOEVER, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR PARTICULAR PURPOSE, AND IMPLIED WARRANTIES ARISING FROM
THE COURSE OF DEALING OR A COURSE OF PERFORMANCE WITH RESPECT TO THE ACCURACY, VALIDITY, OR COMPLETENESS OF ANY CONSUMER REPORT, THAT WILL MEET END-USER’S NEEDS, OR THAT WILL BE PROVIDED ON AN UNINTERRUPTED BASIS, AND FAESC EXPRESSLY DISCLAIMS
ALL SUCH REPRESENTATIONS AND WARRANTIES. FAESC WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR SPECIAL DAMAGES FOR LOSS OF PROFITS, WHETHER INCURRED AS A RESULT OF NEGLIGENCE OR OTHERWISE, EVEN IF FAESC HAS BEEN ADVISED OF
THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY, FAESC AGREES TO BE RESPONSIBLE FOR ACTUAL DAMAGES TO THE EXTENT OF AND MAXIMUM STATED HEREIN FOR THIRD PARTY CLAIMS DIRECTLY RESULTING FROM FAESC’S SOLE NEGLIGENCE IN
ASSEMBLING THE CONSUMER REPORT. FAESC’s maximum aggregate liability for damages in connection with Consumer Reports will not exceed an amount equal to the price paid by End-User to FAESC for such Consumer Report at issue. End-User shall
indemnify, defend and hold harmless FAESC from and against any and all claims, suits, proceedings, damages, costs, expenses (including, 
  

			
	Client Initials:	 	 /s/    PSK        

  

 1 

 without limitation, reasonable attorneys’ fees and court costs) brought against, or suffered by, any third party
arising or resulting from, or otherwise in connection with End-User’s: i) use of the Consumer Reports, ii) breach of any of its representations, warranties, or agreements as stated herein, and/or iii) NEGLIGENCE or WILLFUL misconduct.

  
 4. Data and Internet. End-User shall not use the data from Consumer
Report supplied by FAESC to directly or indirectly compile, store, or maintain the data to develop its own source or database of Consumer Reports. The Internet shall not be used to market Consumer Reports directly to the Consumer. 
  
 5. Additional Restrictions. FAESC may from time-to-time impose additional
restrictions, procedures or processes upon the use and/or delivery of the Consumer Reports, which it believes to be prudent to ensure compliance with The Laws, The Specific State Forms and/or the security, privacy or confidentiality of the Consumer
Reports. 
  
 6. Fees. In consideration of the Consumer Reports supplied
herein, End-User agrees to pay the fees or other charges for services as set forth in Schedule B, which shall be nonrefundable. End-User agrees to pay for services immediately upon receipt of monthly billing and further agrees to pay a finance
charge of the greater of 1.5% per month or the maximum rate allowed by law for any account in arrears. If the account goes to collection, End-User agrees to pay all collection expenses, including attorneys’ fees and court costs. 
  
 7. Term and Termination 
 7.1 The term of this Agreement shall begin on the Effective Date and will continue for a period of two (2) year(s) from the Effective Date unless earlier terminated, renewed or extended in accordance with the
terms of this Agreement. This Agreement will renew automatically for successive one (1) year periods unless either party gives written notice to the other party of its intent not to renew no less than thirty (30) days prior to the end of the term.

  
 7.2 Either party may terminate this Agreement without cause by
providing ninety (90) days’ prior written notice, or terminate with cause, as defined as a material breach of this Agreement, with thirty (30) days’ prior written notice, subject to a 30 day right to cure. 
  
 8. General Provisions 
 8.1 Severability. If any of the provisions of this Agreement becomes invalid, illegal or unenforceable in any respect under any law, the validity, legality and enforceability of the remaining provisions shall
not in any way be affected or impaired. 
  
 8.2 Survival and Modifications.
Any provision of this Agreement, which contemplates performance subsequent to the termination of this Agreement, shall so survive such expiration or termination and shall continue in full force and effect until fully satisfied. No change or
modification may be made to this Agreement except in writing executed by End-User and FAESC. 
  
 8.3 Execution. This Agreement may be executed in any number of counterparts, each of which shall be deemed an original, but all of which taken together shall constitute one and the same instrument. A signature
on a copy of this Agreement received by either party by facsimile is binding upon the other party as an original. The parties shall treat a photocopy of such facsimile as a duplicate original. The individuals signing below represent that they are
duly authorized to do so by and on behalf of the party for whom they are signing. 
  
 8.4 Governing Law and Forum. This Agreement shall be interpreted in accordance with the laws of the state of Florida. All litigation arising out of this Agreement shall be commenced in Florida, and the parties hereby consent to such
jurisdiction and venue. 
  
 8.5 Relationship. Neither party is a partner,
joint venturer, agent or representative of the other party solely by virtue of this Agreement. Neither party has the right, power or authority to enter into any contract or incur any obligation, debt or liability on behalf of the other party.

  
 8.6 Uncontrollable Events. FAESC shall not be liable for any delay or
failure in its performance of any of the acts required by this Agreement when such delay or failure arises for reasons beyond its reasonable control. The time for performance of any act delayed by such causes shall be postponed for a period equal to
the delay. 
  
 8.7 Assignment. End-User may not assign or transfer this
Agreement without the prior written consent of FAESC. FAESC may revise the provisions or terminate this Agreement immediately upon written notice if End-User is the debtor in a bankruptcy action or in an assignment for the benefit of creditors or in
any other position of financial distress, or if End-User undergoes a change of ownership. 
  
 8.8 Notices. Any notice by either party shall be given in writing and delivered personally by messenger, private mail courier service, or sent by registered or certified mail, return receipt requested, postage
prepaid to the addresses listed below. 
  
 8.9 Miscellaneous. Headings of
each section shall have no effect upon the construction or interpretation of any part hereof. This Agreement shall be construed as if it were jointly prepared. The Schedules to this Agreement constitute integral parts and are hereby incorporated
into this Agreement by this reference. 
  
 To be completed by End-User

  

									
	 Agreed to by: Parker S. Kennedy                           
 
	 	                    Title: Chairman, President and Chief Executive
Officer            
				
	                         (please print name)
	 	 	 	 	 	 
			
	 Company Name: The First American Corporation
	 	 	 	 
				
	 Address: 1 First American Way                             
 
	 	City: Santa Ana            	 	State: California            	 	Zip Code: 92707
				
	 Signature: /s/    Parker S. Kennedy                        
 
	 	 	 	Date: January 1, 2004   	 	 

  

									
	 Accepted by: John C. Lamson                              
   
	 	                    Title: Executive Vice President
            
				
	                         (please print name)
	 	 	 	 	 	 
			
	 Company Name: First Advantage Enterprise Screening Corporation
	 	 	 	 
				
	 Address: 805 Executive Center Drive West, Suite 300
	 	City: St. Petersburg 	 	State: Florida                	 	Zip Code: 33702
				
	 Signature: /s/    John C. Lamson                           
  
	 	 	 	Date: January 1, 2004  	 	 

  

 2 

 ACCESS SECURITY REQUIREMENTS 
  
 It is a requirement that all end users take precautions to secure any system or device used to access consumer credit information. To that
end, the following requirements have been established: 
  

	•	Your account number and password must be protected in such a way that this sensitive information is known only to key personnel. Under no circumstances should unauthorized persons
have knowledge of your password. The information should not be posted in any manner within your facility. 

  

	•	Any system access software you may use, whether developed by your company or purchased from a third party vendor, must have your account number and password “hidden” or
embedded so that the password is known only to supervisory personnel. Each user of your system access software must then be assigned unique log-on passwords. 

  

	•	Your account number and passwords are not to be discussed by telephone to any unknown caller, even if the caller claims to be an employee. 

  

	•	The ability to obtain credit information must be restricted to a few key personnel. 

  

	•	Any terminal devices used to obtain credit information should be placed in a secure location within your facility. Access to the devices should be difficult for unauthorized
persons. 

  

	•	Any devices/systems used to obtain consumer reports should be turned off and locked after normal business hours, when unattended by your key personnel. 

  

	•	Hard copies and electronic files of consumer reports are to be secured within your facility and protected against release or disclosure to unauthorized persons.

  

	•	Hard copy consumer reports are to be shredded or destroyed, rendered unreadable, when no longer needed and when it is permitted to do so by applicable regulations(s).

  

	•	Electronic files containing consumer report data and/or information will be completely erased or rendered unreadable when no longer needed and when destruction is permitted by
applicable regulation(s). 

  

	•	Software cannot be copied. Software is issued explicitly to you solely to access reports for permissible purposes. 

  

	•	Your employees will be forbidden to attempt to obtain credit reports on themselves, associates or any other persons, except in the exercise of their official duties.

  
 Any person who knowingly and willfully obtains information on a
consumer from a consumer reporting agency under false pretenses, shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. 
  
 I AGREE TO COMPLY WITH THE ACCESS SECURITY REQUIREMENTS NOTED HEREIN AND CERTIFY THAT I AM AUTHORIZED BY THE COMPANY TO AGREE TO THESE
ITEMS HEREIN ON ITS BEHALF. 
  

									
	 Agreed to by: Parker S. Kennedy                           
 
	 	                    Title: Chairman, President and
CEO            
				
	                                 (please print name)
	 	 	 	 	 	 
	
	 You/Employer/Company Name: The First American
Corporation                                      
                                      
 

	
	 Address: 1 First American Way                              
                                        
                                        
                        

				
	City: Santa
Ana                                        
                 	 	State: CA            	 	Zip Code: 92707	 	 

											
			
	 Signature: /s/    Parker S. Kennedy                           
                     
	 	Date: (MM/DD/YYYY): 12/31/2003	 	 

  

 3 

 Schedule A 
  

SCOPE OF SERVICES 
  
 End-User will order from FAESC Consumer Reports and FAESC will supply Consumer Reports with information it retrieves from official sources, if available, and assemble the
retrieved official information to complete an End-User request for the issuance of a Consumer Report for Employment Purposes. 
  
 The End-User will specify what information will be contained in the Consumer Report with each request for a Consumer Report to be created for Employment Purposes. Fees
will be assessed for each of the products requested as described in Schedule B. 
  
 Ordering of Consumer Reports will occur with the acceptance of a specific order for service(s) designating the type of information that is to be obtained along with the required personal data, which the End-User has legally obtained,
necessary to complete the search, and receipt of required release forms. 
  
 End-User hereby warrants it has obtained the legally necessary permission from prospective employee for the information End-User is requesting FAESC to obtain in a Consumer Report. End-User shall indemnify and hold harmless FAESC for any
claims relating to a violation of the foregoing. 
  
 Consumer Reports will contain
one or more of the following services offered by FAESC as so specifically ordered by the End-User after obtaining permission from the prospective employee or Consumer and providing full, proper, and legal disclosure: 
  

	•	Criminal Records—Assembled from County Repositories, Statewide Repositories or Federal courts. These records will be searched to reveal reportable public records.

  

	•	Civil Records—Assembled from County, or Federal jurisdictions. Discloses civil lawsuits filed by or against the applicant. 

  

	•	Credit Reports—Retrieved from one of the three major credit bureaus, Equifax, Experian, or TransUnion. Will provide debt load, payment history and any public record information
(liens, judgments, and bankruptcies). 

  

	•	Social Security Number—Obtain social security number trace through a major credit bureau (by way of example Experian, Equifax or TransUnion). 

  

	•	Motor Vehicle Report—State Department of Motor Vehicles records are assembled to provide information on individual driving records. For some states certain restrictions may
limit the availability of or method of delivery of Motor Vehicle Records. 

  

	•	Education Verification—Investigation of education and degrees obtained. 

  

	•	Prior Employment Verification—Investigation of employment history, including current employers if End-User has obtained express permission from prospective employee or Consumer
as specifically provided. Provides a confirmation that the information is complete as presented. 

  

	•	Military Records—Assembled from the Armed Forces online database, the official military record repository, and/or contact with the unit served. Confirms the branch of service,
years served, and pay grade. 

  

	•	Reference and Professional License Checks—Contact the regulatory agencies and references provided. Provide a confirmation that the information is complete as presented.

  

	•	Workers Compensation—Assembled from the state compensation agency as a post-employment search only. 

  

	•	Other Reports—Assembled from official and/or regulatory sources and direct confirmation of information provided. Cumulative Medicaid Sanctions, Child or Elder Abuse Registry
Searches, Employment and Earnings, Federal Aviation Administration License Verification Federal Communications Commission License Verification, and Honors and Awards. 

  

	•	Substance Abuse Screening—Nationwide site collection, on-site drug and alcohol testing, SAMSHA approved laboratories, Certified Medical Review, DOT compliance and billing
reconciliation. 

  
 Customer Service and Technical
Support will be provided at no charge Monday through Friday, 8:00 a.m. to 8:00 p.m. 
  

 4 

 

 
  
 SCHEDULE B 
  

						
	 Service

	  	Price

	  	 Turnaround

			
	 Social Security
	  	$	3.50	  	15 minutes
	 Consumer Credit
	  	$	5.00	  	15 minutes
			
	 Education Verification
	  	$	8.00	  	1-3 days
	 Prior Employer Verification—per employer
	  	$	8.00	  	1-3 days
	 Prior Employer / DOT questions—per employer
	  	$	10.00	  	1-3 days
	 Reference—Personal or Professional/Technical
	  	$	8.00	  	1-3 days
	 Professional License Verification
	  	$	8.00	  	1-3 days
	 FAA or FCC License Verification
	  	$	12.00	  	1-3 days
			
	 Statewide Sexual Offender Registry
	  	$	10.00	  	varies by state
	 Office of the Inspector General Debarement
	  	$	8.00	  	1 day
	 Prohibited Parties Database (includes OFAC)
	  	$	13.00	  	1 day
			
	 County Criminal (per county level court)
	  	$	9.00	  	1—2 days average
	 Statewide Criminal (per state)
	  	$	9.00	  	varies by state
	 Statewide Department of Corrections
	  	$	9.00	  	varies by state
	 Federal Criminal (per court)
	  	$	18.00	  	3-4 days
	 NationScan Criminal Search
	  	$	14.00	  	30 minutes
	 Civil Search—per County Court
	  	$	18.00	  	3-4 days
	 Civil Search—per Federal Court
	  	$	18.00	  	3-4 days
			
	 Workers Compensation Claims
	  	$	8.00	  	varies by state
			
	 Driving Record (MVR)
	  	$	1.75	  	22 states instant varies by state
			
	 Commercial Drivers License Information System
	  	$	5.00	  	15 minutes
			
	 Standard Lab Based Drug Screening (PSC)
	  	$	27.50	  	 

  
 Prices are subject to that certain
Amended and Restated Services Agreement, dated January 1, 2004, between First Advantage Corporation and the First American Corporation, including Section 2.3(a) which requires services to be offered at rates and on terms no less favorable than those
generally offered to third parties, and any amendment thereto. 
  
 All
prices exclude out of pocket expenses such as court fees, school transcripts, registry fees and 900# fees to verify employment and education. Prices are subject to change without prior notice. 
  
 All turnaround times listed are approximate and based on actual business days. Turnaround
time may vary due to holidays and other governmental delays. 
  
 Additional
services available upon request. 
  

 5Agency/Company Agreement for End-Users, effective January 1, 2003

 EXHIBIT 10.10 
 [LOGO] 
 FIRST AMERICAN 
 PROPERTY & CASUALTY INSURANCE COMPANY 
  
 AGENCY / COMPANY AGREEMENT 
  
 The undersigned company is a party to this agreement and is referred to as “we or us”. 
  
 First American Property & Casualty Insurance Company 
 Name of Company 
  
 114 East 5th
Street, Santa Ana, CA 92701 
 Address 
  
 The undersigned company is a party to this agreement and is referred to as “you”. 
  
 Multifamily Community Insurance Agency, Inc. 
 A First American Registry Corporation 
 Name of Agent 
  
 11140 Rockville Pike, PMB 1200, Rockville, MD 20852 
 Address 
  

					
	 This Agreement is effective
	 	1-1-2003	  	 
	 	 	Date	  	 

  

 Page 1 of 9 

 By signing this Agreement, First American Property & Casualty Insurance Company appoints you to be our insurance
agent. 
  
 1. Our Relationship 
  

	 	A.	Authority. You will act as our agent for those lines of business and those states in which you and we are both licensed and where we specifically appoint you to do
business as specified in Exhibit A. You may solicit and submit applications to us and bind coverage for the line(s) of business as specified in Exhibit A. 

  

	 	B.	Status. You are an independent contractor. You are not our employee. You are free to exercise your own judgement in conducting your business. Nothing in this Agreement
shall be interpreted as creating an employee/employer relationship between you and us. 

  
 2. Your Authority and Duties 
  

	 	A.	Binding of Risks. For the line(s) of business specified in Exhibit A, you will only bind risks in accordance with the underwriting rules, regulations and directives we
provide to you. 

  

	 	B.	Collection of Premiums. 

  

	 	1.	In accordance with our procedures, you will collect, account for and pay premiums on new business you write. You will be responsible for collecting all premiums on new
business which you bind and which is accepted by us. For the purpose of this Agreement new business is defined as policies not previously insured by us in the past twelve months. 

  

	 	2.	All premiums, including return premiums, which you receive, are our property. You will hold such premiums as a trustee for us. This trust relationship and our ownership of
the premiums will not be affected by our books showing a creditor-debtor relationship, or the amount of balances at stated periods. You will not retain commissions. 

  

	 	C.	Payment of Expenses. You will pay all your own expenses. Such expenses include rent, clerical expenses, postage, advertising, transportation, personal local license
fees, and solicitor’s fees incurred under policies issued through you and any other expenses you may incur. Unless we have given you prior written permission, you may not commit us to any expense or obligation. 

  

	 	D.	Company Forms. All policies, forms, manuals, and other supplies we furnish you will remain our property. You must return them to us upon demand.

  

	 	E.	Compliance with Rules, Laws, etc. You must comply with all of our rules and regulations. This includes present as well as future rules and regulations, whether they
are part of our rate manual or otherwise. You must also comply with all applicable laws. 

  

	 	F.	Records. You must keep complete records and accounts of all transactions pertaining to insurance written under this Agreement. Such records and accounts must be kept
current and readily identifiable. We will have the right to 

  

 Page 2 of 9 

	 	  	examine your accounts and records and make copies of them. We may make such examination during normal working hours as often as we feel is necessary either while this Agreement is
in effect or after it terminates, provided reasonable advance written notice is given to you. 

  

	 	G.	Reporting and Accounting. 

  

	 	1.	You will notify us immediately if you receive notice of any claims, suits or losses under our policies. You will cooperate with us in the investigation, adjustment, settlement and
payment of claims. 

  

	 	2.	The collecting, accounting and payment of premiums on new business written by or through you will be in accordance with our procedures. Our books close at the end of each month. We
will pay commission by the 10th day of the following month, based on premiums that have been paid to us.

  
 3. Compensation 
  

	 	A.	Commissions. Your commission will be based on the commission rate in effect as shown in Exhibit A. Changes in commission rates must be agreed upon by both parties.

  

	 	B.	Refunds. If a premium is refunded, you must refund the commission we originally paid you. You may choose to credit this amount against the subsequent month’s
commission statement. The rate of the commission refund shall be the same as the rate at which the commission was originally paid. 

  

	 	C.	Set Off. We may reduce the amount of commissions owed to you by any amounts of money which you owe us. The amount of the reduction or set off may include any expense
we incur due to attachments by other people of moneys we owe you and any payments we make if the attachment is successful. The commission reduction will not exceed any amount of money which you owe us. 

  
 4. Suspension 
  
 If you fail to pay us premium when it is due or if you otherwise fail to comply with this Agreement, we may suspend or
otherwise limit your authority until the premium is paid or you comply with this Agreement to our satisfaction. Such suspension or limitation will not affect any of your other rights or obligations under this Agreement. So long as you have used
accounting procedures acceptable to us, you will not be considered to have failed to pay premium due to a good faith routine differences in your accounting records. 
  
 5. Termination 
  

	 	A.	Automatic Termination. This Agreement will automatically terminate if any of the following events happen: 

  

	 	1.	Your license as an insurance agent is suspended or terminated; 

  

	 	2.	You sell, transfer or make other substantial changes in the management or ownership of your agency without giving us written notification within seven days after such sale,
transfer or change; 

  

 Page 3 of 9 

	 	3.	You are unable to pay your debts as they mature; you make an assignment for the benefit of creditors; your agency is dissolved; a receiver or liquidator is appointed for you
or a substantial part of your property; or insolvency, bankruptcy, reorganization, arrangement or similar proceedings are instituted by or against you; or 

  

	 	4.	You misappropriate any of our funds or property. 

  

	 	B.	Termination for Cause. We may terminate this Agreement immediately by sending you written notice if you violate any provision of this Agreement.

  

	 	C.	Termination by Mutual Agreement. You and we may agree to terminate this Agreement on such terms as would be acceptable to you and us. 

  

	 	D.	Termination Without Cause. 

  

	 	1.	You may terminate this Agreement without giving any reason by giving us written notice at least 60 days before the date of termination. We may terminate you without
giving any cause by giving 60 day’s written notice to you. 

  

	 	2.	If we terminate under this subsection, we agree to maintain service of policies in force through the current policy term and/or anniversary date. However, we will have no
duty to service a policy under this paragraph if: 

  

	 	a.	The risk being insured is unacceptable to us under the underwriting standards in effect; 

  

	 	b.	You are in violation of this Agreement; and 

  

	 	c.	Your agent’s license is not if force. 

  
 Your commission on policies we continue to service will be based on the current commission rate in effect on the policy. 
  

	 	E.	Continuing Duties. Following the termination of this Agreement, you will still be required to fulfill your duties relating to policies produced by you. In addition,
all and/or some of your obligations under this Agreement will continue at our discretion. If we choose, we may relieve you of some or all of those duties and obligations and we will instruct you accordingly in writing. 

  
 6. Ownership of Business 
  

	 	A.	During this Agreement. While this Agreement is in effect, we will not use the records of any policy produced by you to solicit insureds for renewals, other lines of
insurance or other products or services. We will display your name on all declarations and bills relating to policies produced by you. 

  

	 	B.	After Termination. 

  

	 	1.	Upon termination of this Agreement, if you have properly accounted for and paid all amounts you owe us and continue to make timely accountings and payments, all records relating to
policies which you produced will belong to you. If you request in writing, we will give you a list of your policyholders and the expiration dates of their policies. Failure to pay premium merely because of good faith routine differences in your
accounting records and ours will not be considered a failure to pay and will not vest title to the records in us if you 

  

 Page 4 of 9 

	 	  	are using accounting procedures acceptable to us and if you are not willfully withholding funds. 

  

	 	2.	If you have not properly accounted for and paid all amounts you owe us, all records relating to policies you produced will belong to us. You must gather such records together
at your offices and give the records to us. We may service the policies directly or dispose of the records in any commercially reasonable manner. We may collect premiums directly from any policyholder who has not paid you. 

 

	 	  	If we sell the records and the amount we receive exceeds the amount you owe us and the expenses involved, we will pay you the excess. If the amount you owe us and the expenses
exceed the amount we receive in disposing of the records you will remain liable for the excess. 

  

	 	  	If you give us collateral which we feel is adequate in form and amount to secure the amount we estimate you owe and will owe us, we will return the records and give you the
ownership of the expirations. 

  
 7. Assignment or Change of
Ownership 
  

	 	A.	Neither party may assign, transfer, encumber or otherwise dispose of the Agreement or any interest in this Agreement without the other’s written consent. Any attempted
assignment, transfer, encumbrance or other disposition without proper consent will be void. 

  

	 	B.	You must notify us in writing thirty (30) days prior to any sale, merger, cluster, or other substantial change of your agency ownership or management. 

  
 8. Your Protection 
  
 We will defend you and hold you harmless from any loss caused by any of the
following: 
  

	 	A.	Our acts or omissions, except to the extent you caused the act or omission; 

  

	 	B.	Our errors or omissions in processing Direct-Bill business; 

  

	 	C.	Any loss prevention program we sponsor; 

  

	 	D.	Our failure to comply with federal or state law, including the Fair Credit Reporting Act, Federal Truth in Lending Law, Fair Credit Billing Act and privacy law;

  

	 	E.	Our error in the design, maintenance or operation of our software programs or interface environment; 

  

	 	F.	Any intellectual property infringement by you caused by faulty software programs provided by us. 

  

	 	G.	Errors or omissions in data communicated within the interface environment which was beyond your control. 

  
 In exchange for our protecting you, you must notify us immediately of any claim against you. You must also allow us to make
any investigation, settlement or defense we feel is appropriate. 
  

 Page 5 of 9 

 9.      No Waiver 
  
 If you or we fail to insist on strict compliance with this Agreement or fail
to exercise any right under this Agreement, such failure will not be a waiver of any right or any provision of this Agreement. Nor will such failure prevent either of us from insisting on strict compliance with this Agreement or exercising the right
in the future. 
  
 10.    Arbitration

  
 If any dispute or disagreement arises in connection with
any interpretation of this Agreement, its performance or nonperformance, or the figures and calculations used, the parties shall make every effort to meet in good faith and settle their dispute informally. If the parties cannot agree on a written
settlement to the dispute within thirty (30) days after it arises, or within a longer period agreed upon in writing by the parties, then the matter in controversy shall be settled by arbitration, in accordance with the rules of the American
Arbitration Association (“AAA”), and judgement upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction. 
  
 The determination of the arbitrator(s) shall be final and binding on all parties, provided such determination is made in writing and signed by a majority
of the arbitrator(s). The arbitrator(s) shall provide a short, written statement explaining the reasons for the determination. When the arbitration results in an award, such award shall include interest at the maximum amount permitted by law per
annum running from the date when the amount that is the subject of the award first became due. 
  
 The costs of the arbitration shall be borne equally by the parties, provided, however, that the arbitrator(s) may asses one party more heavily than the
other for these costs upon a finding that the party did not make a good faith effort to settle the dispute informally when it first arose. Each party shall be responsible for its own attorney’s fees. 
  
 Unless the parties agree otherwise, in writing, all hearings or other
proceedings shall be held in the city where the Agent’s headquarters office is located. 
  
 11.    Materials Belonging to You 
  
 We will not use or permit the use of, any materials, supplies, advertising, trademarks, service marks, logos, trade names, or other printed or written
matter involving you, except as set forth in paragraph 6 A., without prior written approval from you. 
  
 12.    Confidentiality/Privacy 
  

	 	A.	As used herein, “Confidential Information” means either party’s confidential, proprietary or trade secret information, including, but not limited to, underwriting
criteria and guidelines, procedures and processes, studies reports, compensation arrangements, all customer information and any other data or information developed by either party and provided to the other party or which is subject to protection
under any Federal or state privacy law. Notwithstanding the foregoing, the following shall not constitute Confidential Information for purposes of this Agreement: any information generally available to the public; information independently developed
or obtained from a third party who was not prohibited from transmitting the information by a contractual, legal or fiduciary obligation to 

  

 Page 6 of 9 

	 	    	the disclosing party; information obtained without reliance on disclosing party’s information; or approved for release by the disclosing party without restriction.

  

	 	B.	Each party agrees to keep and maintain the confidentiality of the Confidential Information, to use it only for the purposes of this Agreement, and shall not disclose it to any other
person except employees, agents and other persons who need to know such Confidential Information to further the objectives of this Agreement and who agree to maintain the confidentiality of the information as provided herein.

  

	 	C.	In the event that a party (the “Receiving Party”) is requested or required by law to disclose any Confidential Information of the other party (the “Disclosing Party
“), the Receiving Party shall provide the Disclosing Party with prompt notice thereof and cooperate with any efforts by the Disclosing Party to seek a protective court order prior to disclosing the Confidential Information. If such protective
order or other remedy is not obtained, the Receiving Party shall: (a) disclose only that portion of the Confidential Information that is legally required to be disclosed based upon the opinion of its counsel and (b) to use its best efforts to obtain
reliable assurance that confidential treatment will be accorded the Confidential Information so disclosed. 

  

	 	D.	If the Gramm-Leach-Bliley Act, including the regulations promulgated thereunder, or other applicable law, now or hereafter in effect, imposes a higher standard of confidentiality
with respect to the Confidential Information, such standard shall prevail over the provisions of this Agreement. 

  

	 	E.	The parties shall at all times comply with each other’s published Privacy Policies, as may be amended from time to time, concerning financial, medical and other personal or
personally identifiable information. 

  

	 	F.	Each party agrees not to use any of the other party’s Confidential Information to solicit customers for other products or other lines of business. The parties also agree not to
use any of the other’s Confidential Information for purposes not contemplated by this Agreement without the prior written consent of the other party. 

  

	 	G.	Each party understands and acknowledges that any disclosure or misappropriation of any Confidential Information in violation of this Agreement may cause the other party irreparable
harm, the amount of which may be difficult to ascertain and, therefore, agrees that both parties shall have the right to apply to a court of competent jurisdiction for an order restraining any such further disclosure or misappropriation and for such
other relief as the injured party shall deem appropriate. Such right of either party shall be in addition to remedies otherwise available to either party at law or in equity. 

  

	 	H.	Each of the parties hereby agree to indemnify and hold harmless the other party and the officers, directors, agents, affiliates and employees of the other party from and against all
claims, actions, liabilities, losses, expenses, damages and costs (including without limitation, reasonable attorney’s fees) that may at any time be incurred by any of them by reason of any claims, suits or proceedings for violation of the
right of privacy or publicity, or of any law, statute, ordinance, rule or regulation throughout the world regarding violation of any right of privacy or confidentiality. Each party shall notify the other party of any claim, action or demand for
which indemnity is claimed. 

  

 Page 7 of 9 

 This section shall survive the termination of this Agreement. 
  
 13.    Full Agreement 
  
 This Agreement is the full agency agreement between you and us. Any previous
agency agreement between you and us, whether oral or written, is now void. This Agreement may be amended only in writing and the amendment must be signed by you and us. You will be given 180 days advance written notice of any change or amendment to
the Agreement, including commission changes, before those changes go into effect. 
  
 14.    Conformance to Law 
  
 If any provision of the Agreement is in conflict with applicable law, that provision will be considered amended to the minimum extent necessary to comply with the law. The remaining provisions will not be affected. 
  

 Page 8 of 9 

 EXHIBIT A 
  

COMMISSION / PRODUCT SCHEDULE 
  
 This Agreement applies to policies written in the following states: 
  

	
	   All States Available  

  
 This Agreement applies to the line(s)
of business and corresponding commission indicated below: 
  

							
	 	  	 Line of Business

	  	 Commission New

	  	 Commission Renewal

	              X	  	Registry TLC	  	12%	  	12%

  
 We and you have signed this Agreement
on the dates indicated below to show that we and you fully accept the terms of this Agreement and intend to be legally bound by this Agreement. 
  
 For Multifamily Community Insurance Agency, Inc. 
  

									
	 Date:
	 	 1/2/03

	 	 	 	 By:
	 	 /s/ Evan Barnett

	 	 	 	 	 	 	 	 	Signature
					
	 	 	 	 	 	 	 Name:
	 	 Evan Barnett

	 	 	 	 	 	 	 	 	Print Name
					
	 	 	 	 	 	 	 Title:
	 	 President

  
 For First American Property &
Casualty Insurance Company 
  

									
	 Date:
	 	 1/2/03

	 	 	 	 By:
	 	 /s/ Kelly Dunn

	 	 	 	 	 	 	 	 	Signature
					
	 	 	 	 	 	 	 Name:
	 	 Kelly Dunn

	 	 	 	 	 	 	 	 	Print Name
					
	 	 	 	 	 	 	 Title:
	 	 COO

  

 Page 9 of 9

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