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MARYLAND INSURANCE ADMINISTRATION - page 42 / 43

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All administrative penalties should be made payable to the Maryland

Insurance Administration and reference the Consent Order number and

name on the check and any accompanying correspondence. Payment

should be sent to the attention of Teresa Hochrein, Appeals Clerk, at 525

St.

Paul

Place,

Baltimore,

MD

21202-2272.

Unpaid

penalties

will

be

referred to the Central Collection Unit for collections.

All timeframes set forth in the Consent Order may be amended or

modified only by subsequent written agreement of the Parties.

The undersigned representative of Respondent affirms that he or she has

the authority to bind Respondent to the obligations stated herein.

Failure to comply with the terms of the Consent Order may subject

Respondent to further legal and/or administrative action.

The Consent

Order

shall

be

effective

upon

signature

of

the

Commissioner.

As set forth in the Report and as concerning or relating to the facts stated

therein, all violations asserted by the Compliance and Enforcement

Section of the MIA and relating to civil or administrative provisions of the

Insurance Article are hereby resolved. Nothing herein shall be construed

to resolve or preclude any potential or pending criminal prosecutions or

any defense thereto that may arise from the facts that are the subject of

this agreement nor shall it be construed to preclude any potential or

pending civil actions initiated by third parties.

This document contains the ENTIRE AGREEMENT between the Parties

and supersedes any earlier agreement or negotiations, whether written or

oral.

The

Report

is

subject

to

disclosure

under

the

Maryland

Public

3

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