OFFICE OF ‘T’NE A7TORNBY GENERAL OF TEXAS AUSTIN

owl up 8 rather ex- merropolitan mvo-

croered oWm,latiozi and l@mllJ& to

d policy of aacident im?tenaas vh.l&

entlon speolfically and ua AQtonio Light, (2) The on Port, (2) The Xourtoa o Id&t ha8 not yet lcreued

only lwnahed its edvertlra ChrOO hove boon in full-fled&od many yMrs*

“Thor. lr ecae QQoetlon in our minds as to the 1qpUty of the oadour plane of operetlon iollov- ed or propored. There has olro been aompl8int to UI from oompetltlve oompanlse end agenolcd; but ve give no amtrolllng velght to this, cinoe our eolo

duty tr tb lmlature tibe obrerved~ end our only intereat, thoro- .rore, 3s lxt Aoteotlag mAA renmAyltlg v101aonR. '..

3!here are mm0 variotlom in the plana proropos- edor fo~veA,novurdltt the past, by the va~loua MtwJMP8J bttt in OF&l that Vb Wily &t8Pt?dM hlCl oar.-oplttlon from your Oeputxmtt vhsther ang of vuch p&w or atty p&rt QP part@ thereof aoparatolr aon.elAor-. eA eatatwtte riolathtt!t of the law, vo s-ire and nunAlec ropratoly hweb bolov all or the eesontl.81 ~oaturer

& and you llroy l wav that all of thoo or0 cm-

Rott to 1 entorprlree wiles8 a 1laitatLoa to the aontrgry lo lndicatadt

'1. The Mlirhore of all of the nexie- paper* inrolved ere prlmte corporQtlozta.

"2. T~Q cmepnlsa lssufng the yolfafos me Auly lioon~od aaoident lzmnvmoe compm&w.

9. The polluy forms, endorscutcnts, and riders used nre duly approved by thir Board.

"4. In oath lnutnncc rho novsppr publish- er (aoqomtlan) enters Sat0 vrlttca or v6rbal tuprer~ or taelt oontractual rclatlons 8~1th the ia~tmattaa oati- Orup f@P tha ~irO~tiOA-~tZIlOti~tl and ~C;cliC~-W3l'kOt- Jsg enterprlee hereln inbloated.

"5. In aaoh instaoco, except the i.&llaa XIov8, there ie ta8intataod in sffLco quartore px*oold- od by the novapupcr corporatlcn a Fo-called roy;lrtrar Vho io a duly authorized EIgt?At lhtonrod by thir, BoomI in ~@spllanae vtth Artiala 506&b, anA there are olao tneneroue duly oppoiated and liceneed rolloltom vorls- lng ttndtw fstd in eonjunction 131th the registrar. In tho cam 0r the mlas m18, th0 :2t.mmnoe comp8qf peye 20 the ra,#atmr 0 flat wa rer nonth, out of Vhlah ho paye the DallOs &N'P (d. Ii. Belo i-,Or~o~8LtCUl) 445.00 par month rent Sor offfco epuue, sncl hlic ovn help and ofiao oxpenffe vlth the oxcoptlon of adver- tising and cervices of the Sallee lPeve route uarritare mentioned horoinaftor 31 paragra$m 13 rml 20.

EGaorablo 0. P! IIohhwt, p&w 3.

l 6. Ylth the moAl$loetLon above M I.a tteA a e to the ml& w Ieva , the .tmtmp a p er p r o vld68 l t it8 * ... OVA expotm r0r, tha regirtrar ma hle mm of roiici- tore 0lCiee rpaoo, fvrnitura. equipment, stationery, cttpp ler, au-da, poetage, eta. Boeider, at Its ovn i

w%ll built up through t&e cnterprlre.

9.. In tome oaaer, re have found thlr new- paper 8Avertleillg aommhat mlaleadin& and IniePopre- eontatlve 8e to tho torme, merite, uvl benefits of the pOuOyJ but UO &@k tOP 110 OpfniOtI tApon thiia fOLLtUW#, beliorlttg that your opinion ar to the other points involveA vlU, eaablo uu to Alapoeo of and control thla feature along with othora 1st acoordnnce vlth the lau, Art. 5052, etc.

‘8. In some inrtnncie th61 roglatrur and *olWitor* an full tltw, ctalnrled tmployooe employed anA pald by the nompapor but AevotN full time or a mbe8atlal portion of their tine to tho lsmrance ttud.noas at tba diraation of the pnper.

“9. In other inetaaaes ir 19 probably thdt ruch roglvtrar 8x43 tollcltore arc lndopendont oox&mm- tom 01th tho nevapaper or am aga,ontr! of the lnrumnce aoapaay or lnAepe.ndent oontractorv vith it.

30. The navepaper advcrtlelng ccuttalns in met lnartanabe a coupon fom, daeL&nod to te matlm¶ Or oth6rml8is ddlvorad to tho newepopm to tie csttaixtion of ltr ~Insurenco Ilapurtmcnt’, iiic?Lcnti~ t&it th par- eon uhoee name, atddrc~tts, nad other gersozml detaila ara lndlcatod in the ooupm is intercstod in obtaining on0 of tha ~oltcloe ofrwvd.

‘11. In other inotsnece tI:e qxe~apcr adVeX'- tleiry, instead of cantaleing B umw coupon for inquiry,

-0 0. ri la&hart, peg6 4 .

oentune enbbaal appllmtbn tar $iollolea, to be mall06 6r 0tbmrf0* retomled to the *Ineuraace Do- ” partment’ ar thr, Jaevepapr.

%. Vithaut oxeoptloa, PO Sar ae ua have olmelmd; it lr rtetqd pwmuently and rpeol~unlly in tbnow’~@dv.rtirkrg, the ooqoaactho8ppllea- tl6n (b uc mo t Lo the glc a lo y), that th6 p o llo y la l va l- - a l6 o nly to eub o 6r a er 8 o r the m p er a a d to the maawrofthlrllauunte~lp or p 00 lang a* thqr ramln oubrorlboro and that the polioy mey be toralaat- of3 when t&a nov~paper rrubauriptioa ooeeoe. In meet e8aee l&o pall0 Itrelf provitlss that it contabe tha vh6l6 ogntmot i etvtben inmrer and lmwod ant% that aoltlwr th@ ap lloatlan nov any stetenmt mado by tha arrsred &all go. svallnblo as a defoare or a&%loslble k r l vld6no o .

9% The pr~umecharged for these pol~~~ocr uaully Indude 8 tventy-fiv4 cent iniffcl regirtra- t1on r6e.aml a premltatr~ from $1.20 (shn Anton%0 m&a) to 43.60 (other t&roe) par year; theea gaweium~ belel~~ bellolfo (evpsalally the aa Autuafo &l&t),

T lovol? than 8imllar poll.cles aould be

pw43h8eti ir8tan)mothero 7

tlag cwea Cr qenolao in tha oo-fyi probab duo, at least In part, (1) to the taut t&it the neurpaper %* beer- lag a eubtt6ntlal part OS the tot41 coat or LIIm.r6nGo, and (2) ln part to the fsot- that the ltmuraaco com- ponlos aa afford to eel1 ahegpsr in the larger volumar made goe&ibXe throa@ mob as errengmnt than they could by marketing throu& regdler qmal~re not ho- lag the abditLoaa1 benelite Sur&l@h%Q by tl-,o nerayq.m. la et leeat one laataace (Eaa &tonio LLEfit) duly tu- thorfrrd reprtmentetioss of t&6 in~uraaue coxqaap (Iiort2.i Ailbericea Aaai&unt laaurance Ccnqmny) ham adrrittad spa- ulfloally that the oompiay could not and voul& not eoll the sat46 pollay at the eaza prlca to any one othm than subsoribora to tha nev~papc, gioa (2) above e# the reaecm.

‘9. Ia mart lntiMca~ the luquiry COUpoaR or ~pplleitloa &rme publlmhud In tho aeuepaper lay- out0 m 8olloA by the i.nqutxsre cr eppliu8nte dLreot-’

%u ( to thm reghtrar, ueuall acMxursod in oare ot the

uraaao Dapmrtment of tL newpaper.

*Xi. Ia other iaetauooe thee0 inqulrles or eppliu8Uoe furme bbve been &zked up from the eubecrlb- m @ tmmm%tted to tho xegletror by the nuvr;qter . rout0 aarr%eru, vho w la every lnutewe not liCeaw4 a a la wma o e a gent* o r l olxeltaru, a a d vha a m $ a ld en- ployeeu oi er ladupundoat oontraatora vlth the neve- geper.

re ‘I 3661 h mout inetanaer upon receipt by the

trer of the Inqulror’r coupon, the regiwtrsr eon& a lloenaed rollcltor to interrlev * proepsot

&lee 8nd mtxma appllaetlonr for peXlclue; the eppli- ortlanr thoa JMag parqod upan ud the polioler refue- ed or ooaate?d&aud and lrrusd by the regletrar end mallrd to the aeeured OF bsneilolary.

=x7. In most inatancer the re&H.ratloa fees and oceml*rlonu al&mod by the lnacrance c~ea are pld ta the lleeneed ragletrttx and aollcltor~, either 8e tholr role oompeneaUoa or la oddltion to tbelr rog- ulm marlea or othua? ocQlpenwtlon OI! euployaur of or %nbpwdat eontr8otore vlth the publlehere.

wi. In other lneteacea such c~rsious end registratton fees, or portions thereof, arc retnin- ed by the publtihera 6s o partlol ofl’rtit ogeln~t QX- pMS6S.

39. In the one6 of the lklloe 19eve tho pro- niuw aw prdttod to bo eolleated pertcdblaolly by ’ aevwpapor route arriere vho &w not llcenfml aml vlx2 are eeiployeee oi or lndepetient contxnctor~ vlth the neuCp4lpm*

“20. In such lnetancee (D&lee Iievs) as, the nuvspaper mute oarrlem are p3altted to pertorte any funotton ln the fnsuranee enterprlee, such as oolleo- ticm aad tcaasmleelon of applicstiona, prmbnt, or

.

@lOtie, it 18 WApulated in thcr spp2iGtttbJ2 or coupea-rm that la eo doing tao new rtar 1e the 8gaJat of tba nevspfbpec u ur

per route car- wribec, In- c

quirk?, 8 8pp2liaMt aad not OS the aouepeper or of the lnwvawo caa&lmy (a protfelaA of uhlah YO @mlB- 2y doubt the wll8lty in Vlmt of the provlalMe at the wtatutee, mow am &l'ti.GbJ 50% &Ad 5063).

=a2. & e sell ewe* the regfrtrar, la met th8 puul*&or, ramlte to the inuttr~0 oalapaler the* emra of tbs pwmlvw an8 lA every caw tbn nauqaper Ir.ha28 U#po!u?ib26 &*fctr.

‘P2omo give ~11 your opinion ec to vhothor each *a* 0r ch above ~~petlci~ad p2a1~1 0r op8~8ci0~, c0ib. eltleu8 meymtsly or ln aonjunotlon vlth othem, oon- l tltutee n tlolatlon OS any eppllonble prooirion of our lnwwncQ scacuter. apealfy ceparate2y a0 ve la1 drum rhioh phaeee 8re 2ega2 and which are illegal.‘

s

%omt purtlm28r2y w lnvfte your attantloa t6 ‘lmlone air B.&s.,

3”” 78; B ca Artlole 5053 end P.C., Arti-

. . ., Artiolea 5055.5056, 5058-5068, Ltlolu- eln, and P. C. Articlea -573 end 57Ca.

l Putlo u2a r 2☺r it eobrre to w that from the @O- tf~laa# as CM abow oltetd atatutec the &$&mtuw latonh8 thata%lpua’saw vho arenotdulylioe~eed aganto or eollcltcrre (en8 partloulIw1~ sll aarpara- tionu, vhlch are e olflcally forbiddoza to be lloenacQ ae o$ent# or a0110 r tora of l~aura~~o~) ahould keep hfmds- oft the lneurezme bueineesl errlctty, and that purtl- oular2t undsr &%lol.oe 5055-5C6$bjb, lnol~slvo, the Aw.w- p8psr carparetlone are mlavfully aarrylng OA the bud- neon of ro2lGftlng a rocelving~apgllcatione for la- U'UPQAW, lrsulng md.dellverfng pol.Uise-thereof, acid . othemlre al- ‘In the LrrmaaotloA of the bualnms of wj ~ASUWAW aompany,g md dolag at leaet tndlract- ly through eotual control of othere LhOWt3 things UhlGh they are meet epeolflaally and onpbaticnlly for blddcn to do dtreotly themsalves; and that their osiplofooe en8 ladQ*nQeAt Qantr&atore and the iAeuranae marpan- lee and tbelr egonts, employees, end IAdepeAdont WA- traotore are llkevlss oiolatlng one or more of the pro- vl~icim of the cited statutes. It weac to pa plain,

oloo that in offerlag thee0 pollcloa (1) o* to rub- wrlborooithoxtw~~aadbeojiaa:theaitoothow oi equal itwurability, and (2) at rater lover than bon- .rubwrgbero to the3 partloular fnwspaiptra SPA prchwo polioior •~COV~OW, the lnrurR~co oompanloc anb their agent@, om#lo~oom, and lndopendant oontractors aro gut3 0r dir0ddAatlng and wm.Ag 1A vi0mm cf rtatutory prov191oAQ."

The aontraota botuoon the lasuraaf30 aoapanlor 8nil the w pob2l8horr, show mentlowd, now in r02-w. two to be ~outo4 014 put in r0m (II ronem3d by t&o +otootatla aoppio~ ~tho0ilmwo -t 0 A* H. Bole carQorot1on tr ae sollol?t:

'T&m mw maa0 and ontoroa into .thls th8 2nd day or .&arch, A& 2936, br nnd between XRTPR- OOBAH cAsum cmm, a corporation or&anlteQ on- dor tho IRUR or the state 0r Indiana, 1~1th oseoutlve 0rfi00e io olrrcmti, ohi0, and bar* a p3t-a to do buulnoer in Toxw, horelmfter aall& hhter-Ocean,* end A. 8. BBUI CCBPORATIO& a Toxaa corporation with ita doalolto la Dellw, Tesw, herelnafte~ doeQuoted 99 Vub2lder. (

"That IWR~,.the proteotlvo b0Aerlt3 of deelr- I able aaaldont iPsuronae are AOt COAVOA~~A~Z~ obtaia- able br tbo roadorr ot and rubacrlbora to newpapore or the Publl@her Upon mm11 weekly poy~2nts fm auab ahfirnetor 0r i~aurzmce;.aad,

'%iiEiIW, it la mutusllg aon8ldoPod br the yar- tlos hereto thot on oppox+tticy for ouob reodore and mtbccrlbers of the nouspapero of the Publisher to buy ruch charaoter or soeldent Ipauranoe upon pmluuw payable uookly vould not only be mndwlve to thelz? wellare but iould a&so lnoreare the bueineas af said bteP-&WA 8nd inGrWff0 the GiPoUlatlOA Of the nOW?- ppere of tho Publisher, and llkewlae would lncreaco

,,;.I

itoaeablo 0. P. lmkhart, page d

tho Ralb aad tubscrlption to said p3vspap8ra to the advantqp of Publiahwb IrulewWt. oantxaotor neve-

it pBr aarrlore taarou& war rollalaary elm?la to a0 creeee the rubtoription tale OS tald nevtrpertj &id,

??WRgaS, raid titUF-f&Sah bet oubsittod to Fab- lithur ep¶olm8n CopL6U or ~ouafoa, two OP vhlhich 6ve to b8 ;derrfiocrl in tWW Vith @icy tOFElt hel'Ut0 6ttUChed l e a p a r t ha r eo r , o wh l to mp c d �4 p eo flp sa fo llc y,~ a nd a a r k o dto lnlc r o ep o o tively, ORe 'l334x'andthe oth8.r 'l33 ZSiU,’ eaoh of which poliaies it undertakes to iSSW m&d t8u fOr tha p?UmiUUI Of riVe odot8 pr WOkl alto priated.iarn of pollcf by tald Inter-Oacan vlth ths vurloue uhangue an4 acblftlont thereto indicated by ink thoroon 8~4 by OddeDdo pasted to said poliop, and vhuh mm 0r poltoy le marked b Ink on rirttt pase thereof '133 IX4 7,' vhloh polloy aaid Inter-Ocean ml&-

"1. That PublltRer contents t&t t&c voluntmy tsrviae an4 err0rt8 0r its tald indqmda~t conttwctru. xwvep8pca~ ~arrlws may bo snliated In tto yu\cmotion of aaid butinerr of etiib Inter-oCeaa, oondAtlone4 that thbp do t0 v0luwriiy r0r the pwp0m 0r incraealna their navtpap~r ales an4 thomby further tholr ovn Fommet ax& i;lureas8d sarnlnga to them thereby.

9. The PublMlzsr a&reea to sponsor by edvwtfse- t#AtI in Ltt adily nwdpagma tke said gol.faf8c Of fn- uuramze, r0mas of vhiah fcZ'8 nade a part hW8Of, to that iusmt1oR as tQ tbe benQfu8! thsreal and pre- tiafmt to be paid therefor still ba eveilable to t&o reatlers of an4 eubeorfbert to its nsuepapm.

0r ite wvwpagiw *The gllenoe 0P ttir ogrwmcnt, with-

later-CaWn e&all hare

*4. Snte~ooeM &all provlat’ itr auly noormut- ad ed authoriwd

i!?sa etrar, resideat in nnd vZth cm-

wnlent offiw b 8, Wx68, Sor the tran8aotMn at fte bWiaasS in 8ObtiOXl to S&d lJ1mr4BCe butlneta that w f&ov hoiu the ma&em 0r en4 eubetrlbwe to

,wlfsx4wep~8*

l 5* Iia t~o wa n *ha ll p r o vldo ite duly l.la enwd afpat, U�lWiM to r ur a lF h to tha w do e

T@ tad 8b o v8

fn gaarapa* 1 hereof euah pW.Wd forme 0 appliaation for fueuwnoe at Inter-Owan atiy pruvide far swab now- papas mabralbera aforeeaid, an4 if snd Pken rIgned

3 welt newpaper eubecribero, to rewive efmae, aa2

tai, l%eted by the weittu’y heroinaftaF dOQi&lUJted, to traneait cum to the R&etrar, and srrd Rc$letrm, ite4usabe sapropwandla&elrorm, FbtO.2 atom0 Usus the policy of ineursnc8 called r02 theroln; and raid agmt ud Geglrtrar hall tbengomp;p~~W~w- ror tha dellmw~ of raid polioy to ln.

‘6. ZntezMoenn hereby aowtltutss Publilrhes its

'ir altory co reoeivat, oolleot and waount to it for prwaluw rwllred froin aaid neviqsper aubswlbexv

and readers upon eat4 polIolee of l.neurenco to proour- 8d und6z the wp3nswahLp or Etiblleher sforeeal6L And it belug tan&mrtooa that eoah polloios rbll only be tttued by Inaer-Oueeu qmn epplfaatlonr l;her&or, end

4 aah poUaLec, to bav cancel8d by Incrtr-&em fur ma-

; ) giz1.e of insur’3nw

nt or premlwa ee provided ln said reepocttve ; the mblfwher agrwa to wt as

ruo?a &epoaltnry aud ti receive an83 aa~ouns to inter- ;;. Owrin for all premiurpa co turned over to 2t, and to

keep a reaard of euch fmm aab by what oae\lrsd pi& pad of rwh 6ata 0s rpag be r8qti~ite tQ cmply with

w&lo 0. P. Lookhwt, me 10 I

ondwbwrlbwr of thedailynmmpa~~ca $ubUrbed by the Publleher lto oerteln IJovapoper, Travel and pedelrtrlan AOoidant p21Uie8, in acoordance Vlth th6 res~sotlve forma, coplas Ot vhlch BI'O 8ttRChed

: haeo, the lwuaw6 or vhbhhas been or lllr11 b&l ruthwlzed and approved by the In~urancc Ikpa&mtnt of the starts or Tbxas.

“6 . Xmadistoly qxkn receipt or an appllce- tlon rm swh irrsur~e pouoy fma the rubreribarm or roaders of such n8umpa~ora by the tmzd liwuwtti e$6nt mtmtloned ln pere&rqda 5 ixweof, he mW3.l dw liter to the Re&letrar, or other duly suthorlzed egsnt of Inter-CMaen to be neared b applic8tlon and a aohedule, ia dup f

inter-&soon, rwh ime, upa0 torn9

to be iurrblahod by Intor-Qoem, which ichadulo #ball ebou the nllne, addmae aad age, tog&-her with en

LetCar, a~, other duly autharlzea egent or Inter-Coesrs &all, a8 8a se may xwmonably .be poeslble, countB~- a* mid lrrw poliolee of insurance to tho poreona rho have agplled and me eligible tkereror, QI) appears fr c o c l uo h l ohedtsbb xbuvery 0r the poliom 0r in- mar-o dUll tbsrr be aado to the ~asurode, wbncrlbere, oroadorwarrrld~~arorewld. Theprovi- . am d QOadltm8 irr ~0h polioiet3 0r in*~tic~ oonta&mdeWllatalltimsr detexmlnothe llabllltg of Inter-Oeew,to ruoh polloy-holders.

“9. The B&lrtrar shall rurzah voeuy to the mbliehsr an& IntmNaean a dupliaate list or all

was arraquiredbyaaidpolicy.

810. Inter-ocean klgraoa that durfq the contln- uawe of thle tsgwolnsnt $t ~111 not acaept insurcmco

-7 dent po tom or 8ouspapr, Travel and Pe&strlfm AM%-

!F

toy ircar any other n%vc~p, ma@4elno or oaleal plnted and publlahed ln t&d city 0r wllm,

liar County, Texas, end vlll not lrruo sng suah pomi13~ or lnsurww to the subrorlbers tx readers of any other rmumpaper, mqatlne or periodical vhlch 11 pr¶ated or publlshcsd vfihin tht? City of Dallas, Dsllm3County, Texas. Tba PubUsher a@eciw that dur- lng the oontlnuowa of tbls fwxwmentlt vlllnm m&k ta3.n say crontraot or entm into any contract vlth my oth49rlnuurerior theisrwnco of e slmller r0moz 6Gofdetkt ZWMW% poli<ry t0 MY Or It@ 8ub~C~ibsr6 or readera.

91. Thin contract @bell be cont.lnuoue until CMcaled by 61th~ party giving thirty (30) daytc prior XrlttM notloe to the other pmty.

'92. mr 9

the oontinuanoc or this oontraot Inter-Ocean &al at reasable t%mQs ba parmlttsd to sudlt the pollag woorda of tic Z‘ubllsber, Depo@ltory %roreartd, ln o&-tier to ~eaoncilo any imcortracibs or dlfrerw0e8,, fmould any ouah i~couwb3a or difrer- eulcw wolp.

**l3. Be Publlrher agmor paspt3.y to r8port to Inteidoeen all alelm eriain& am&w any pollof Bhicb my be isea& by Inter-Ocean untlep the tom9 of this qgroeaeat that pap do860 to Itc notle6 or sttentio3?, and psloaotly to trencrrait lnforwtion OS to euch to fbr Reglrtrar or other authorlrcd 5gei-k of Inter-f&~, to lnf

ether with all mporte, co2znunicatlano end other orytio13, or aoplee thereof, that may be rsaolved

~lt~ml8tAngtoa&lnm~eeentedortobemae&dep 8adinetP~~loks. Inter-Ooeanagrcror to inw@g4ite end diepore 0r all cl.atar in aoo Ti!lszze wltb t&e term or mid pQllales 8ml to gey of m,ject 8lalms ln aroordanae vith the mtrritr, 6s shown by the poofe 8nd the faote.

“14. Inter-Cw8n igroe~ to wlnttiln Fxaere Catac- trophy Relasuiwae l imilnr to t&e oov~rago set out ia Folioy Ro. It2245 lest146 by JLloydu, &n&m, to Inter- 00%&n Casualty cuapaay, uuch pouoy ie now In hall wee 8na erreot, or to notiry tbs PublleheP amcaeto- gzi13 terPliaotiou or such Broeae catastrogbo ae-

08 to pay to the (43OCd~uclrs on or before

April 1, 3.930, to amtist in.ddragirrt5 the iublleher*c ptlh2qewe Analdent to the insuranoe plan provia-

.

‘16. Tha I3mOtiQ6 &to of this contract shall bc April 1, 1938, et l22tOl &EL, Contra1 P.tanGard T&o.

*IN WXTHES lsHXRi%op, the partiot hereto hove cauu- ed WC Qpetuwnt to be executed in duplicate orlgirmla by ite duly nuthorleeQ olfloort oc. reprssontatlves on the day nnd year flrat above vritton.

A. fi. BELO CCRPWATIG;

wITaRssr a/ J.8. Roroney

WITHESS t

P/ E. c . lielwLlR l I

,:: . .-

: :~ ‘cinc&nati, Ohio Apal 29, 1933

. .

“& the aaaaat batueen inter-ocean ctmalty

%y mutual ccineent OS the partier hsreto end upun acaeldmation tberefor, Olaueo 6 of safd abovo aontmat IS tnodiNfnd tttd ohmaged SO that $320.42 per month lr crubstltuted ior and in pleoa of $53.30 pap &o&h reofted ln raid Claw8 6 of eafd aontreat, and co modlf’ied aud ahanged eald Clauee 6 oi rsid oantra6t 1lJ aoaartw&

%WR letter la efped lrt dupliaate by us, md whea lllcevlae ao rlgaed br you, it @bell conatltuto a pert or rald aontraat ia ma4ufiofttfon of Clause 6 theroof att hare urltten.

Dy /a/ J. ti. %ba?r sic-id-cnt

A. Si. BELO CORPORATIOS By /R/ J. x. moronsy

saay.-Tmtta.” The aontract of agsmnt batwon Tbs Xouaton PrintiIUj

corporation and th6 Worth Amerlaan Aooldent lneuranae Cozqmy la 68 follouet

Lborrarahlo 0. P. Lookhart, pa&l 14

%fr agPeamartt tmdo tad ontored into title flf- tkentb

7 PXIXTIEO e July, l938, by axul ?setveen TBE 4ousToE

tXUW2ATIO& of Rouutoo, Texne, herelwftttr rofmred to ar the f'lrrt party, and the HfXWi Alam- CAM ACCIDSXT IUSURARCE CWASY of Chlaago, Illfnoir, &ordnafter ~ferrsd to ee the aaomd pnrty.

-1 That the ffrst pnrty :r derlrous or aotlng u rsaaf or the second party Qa r*llltag e - @lay OP polltdelr, know at tha SePlor 397A to the PudePe end rubrcriberr of the publlcatioa

I k no vn l tlm RoosfOl? POST, vlthin state of Toxar, and / @&at the reaond party 1s engaged in tho buel-

nest or l5tJuPawe end llo6nsed to laauo la the State OS Torae ewh prtiaular pollay or poUalor of irr- l Pa no Q~

t

:.

l srOrr, SWORE, In aonslderation of the OOYO- nante and a&Pdmmats ltereln rot fcdh, to ba Jcetpt a& perSortaad br the 8graei to lerue tr

tlor her&o, the oeaond party e policy herein doaarlbed, OF any

poUaptbat~y~by~a~cenront~vrlfinsrubati- tutedthmefw,to thottsredere and aubae~iba~s of thepublia8tlonwbo thellamkeappliaatlonfor maah

gizz&ovoYeP, them thall vho reeibs vlthin the territory aioroaaid;

be no rolloltutg for l uah poUcy outaldo the State of Toxaa, aavl.ng end ox- coptlng, bovover, that the present aubecriba-8 of thy publlastlon vho em residents OS 0th~ eicter play se- cure euch policy provldud tbat in every cnae tba ap- FlfCStft3Ji iOr th0 QOlfCy Of that teoand priy cota%@ through and lr taken by a pmmn regularly authorized by the Imcranaa Department of t&e etate in vhiuh euab ttpplMation ttt mado if the lav of tha ctsta re- qulwe swh authorltatlou: A copy of mzch pollcp 1~ hereto att&shed, and its conilitlonr and prov~slone ahall at all times deterzdmt t&c liability of the second party to euah readers and rubecriberr.

9sttld flret party ngreas vlthln tuenty-tour (24) hours after the reaeipt or such application to ieaw to tim applicant policy of tbo fom herein nmtioned, suah pollay to be d&ad 8s to the date of lm&e, dlxul

~~3~r3blc 0. F. Lockhnrt. pcg~ 15

vfth&a twenty-four (24) hours srou the Qto of irsw of ruah polioy to send to tho ieaond party tho ap- pl%ogtlau therefor, uptut vhloh said a@lWtioa ehell ?a no ted tha nwb c r 0s the p o lic y lettua d to l wh pcadc~ or rubrariber aad the date of hrue of ruoh POUOY l

%id p a r ty ;r i tho flr o t p a r t a gr ew to aolleat th0 run initial premutm 0r 30 cente on all aev polla%or lrrued fratp the 25th day of embmomth to thc24thdayorthc&sxtw6oo th, both ln- olaewe, @ud pay 8ald ialtial orrapet basis of 20.833 aenta to reld ttaaond party ln Chiaago, Illhole, on or beforei the .ftrct dey of the follov~ lng month.

“SaZd &W’ty Of th0 first &XWt tt&?eOQ to repoFt to tbie pt3.rt 0r th0 t~0tad ptm in mtag, w OF b0- roM the 6 d &ny of euah wok, t&e terlal nunbar, naw and addrocs oi the tu~cured ol all polfalo~ lape- ed for noa-payment ot the monthly OroJopl thoreon. EOllafU co PepoPted ehull nof be lnaludad la the bill to be rondored the party of the f&rat psrt br the party Of the ffooosrd ports a0vtWlug draw0 pOnm?- al orspriuw for tha rolloving month. It lr hereby ttnderetood that on all pollales ismod, the flmt month’s pcetnluta v%ll be yarantood to tbo wty of tbc

Uookly omdlt &%r owcellatiomt vLll bcr-

%n all poliolee ‘to b6 ranovttd the party of tht~ riPat ptU?t ag%WOQ t0 OOlbOt thtJ m 8dvuinCo no&h- ly renoval protdtu of JO aents CII all poll6lae in force on the 25th day of each and awry mcz%la wd to pay mid advtmce tuodhly prtiuo on a net baele, az stated in epothm mrapapb ln thSr oontroat, to cold cwottd ptu?ty in Chlaa@, Illinois, 01~ or bsforo the

. first day 0.r the follovAng laozlth.

"Iti Went of f8llUre OI? deiault Of Ofth0P F=ty hereto, in the parPom6inad or ang 0r the nxterla?. obligotloae Uipoeod bx thLe 8greenent, us0 otbcr

p” ty mny tetalnate this apoenant by glvinE thtrt~

30) &yet notice in vriting nt~llod to the wrtg in deiault~ but mob termlnaticm shall not affect 3.~ curwoe alreiady ln forae.

; slqlaaal.0 Q. P* ~#lwel6

s ah awe 0r Isl~repra~eptati~~ a8 to the natwt3 -ar ooveroge under rush polloloa by esfd tiret psrtg or hia rub-egentt, than Chle oontraat aad mll rlght~ thareu~der win be r0mitt3d ti t0id.

%l4 fim~party agrew to proagtly tranetit

aa& nnd every olaim.

%aid recond party agreed to promptly inv&ftigate aod birporo oi all alaias aaoordiag to the mrorlts aa aliouzl by tho pr00rff end the shot+.

Vhe flmt party and all roproeont8tlvee eoli- eltingnppuc8tlow &allat8lltirnaaba lloenaod by the proper etata authority, tha cost 0r such li- Qtnw and alma the expwa lnoidant to the 1esuo and dellvery oi euoh pallclea to he borne by the rim WtY.

9hlw 8peeQOnt is Orode eubJoat to the 00ncS t1on,tbatthe rw&pt fd3%l.loontlnw tobell- cowed to a0 bwlm3ss ln dl e tcrPitory mu or here- after ooveredbythle %@Mment aa4 ehallhavethe 10681 right to carry out the prcwlrl~n~ boreof.

%ld party of the flrat part ala0 wpwes tc mail to t&a ~euepapw Eegklltment of tha Xc&h mrl- e4ua &oldfmt lzmtr6uoe Coapany aopiee tif all adverttr- iDg uhleh may be wed in the pr4IPOttoll or clrculatlon in oonneatlon ti1c.h the 6foraee:d pollof.

"%%a terra of ew.e lx&zYtemnt &all bQ3 on0 (1)

f ear frcmlte data and shall euto5atloelly rmc1u un- ape thirty (30) daya notion in uritlmg is .givon by

either Fapty ot intent to Mncel.

%z WI!TREXs kl'&liZl~~P, the mid first parry ha@ herowder @et hle hand, and the, satd seoozxl party he@

Eaaomble -0. P xmkhert, P&P 17

cnwed thou0 procsnte to be executed in duplloate L by S. P. l?ore, mar of the S~eclal f8avcpog.o~ Travel Pollop Department, or by an officer of raid second p6rty, tllle 15th day of July, 1936.

XORTH AIIWICAR ACCIDEWi‘ INXIRASCE CONYANY

By /n/ E. P. Gore . .

THE SiOU3TON FiUNTSXG CORYOi4TICIi

By/s/k'. P. nob=“ ---

The agreement or cmtraik botueon she 5lowto.n Cbronlole pubUsh5.n~ Coq@ny an4 the Harhln&on Natloml Inruranco Ccspany 1s au rollowsr

*uHaREAs, TnE SiOIIsToN cs0fi1cLx PxELiszilk~ COM+RY, a corporation organized under and by vlrtoc of the lti%is of' the SCata of Texas and mint&~ ir? ,-/ prlzzoigal p&l08 of bwiaosr La licwlton, JinC~~s County, Teae, (hemlnal’tsr roferred .to a8 WJE&SSi~~ ) and UAs&MoTON XATIONJIL sxsuRA3cz CONFANY, Q co~oratiort, organized im4or the l&f2 of *the %ete of illinols, (horolnqfter referrod to 8s 'f:i5J8i;E'), did cm Jon- wry 20, 1939, snter into 5 certain WrlitCil c-co- uent, pertalnlng to the isrcbaeo, sale ati i~isumcc of cct'Cd.~ 'A.Wspa~%W ro8d0I' lAsUZ'8nCC pGllCLe@' (hereinafter referred to on WSAD~ IPWMtXZ~) and which egreemant provided that the pane should rernairi in force and &fact for a per104 OS Slve (5) year9 fma thn dete thereor; and,

'UHFHy;AS, FUBLIEHRR and iX3lZcEX dealre to Ln ell thin@ mutually camal, void and hold for naugbc eald urltten contract aforeeold md &ny or all rug+ @lN&At~hW3tO 5Ad t0 @AtOr intO 8 AWI VX'itteA CGA-

i e

pnoreble 0, P. Luokhartr R4P 10 f

@lWBRAS, PUB- 10 doelrout of haviq avaiL able te the readers on4 subsorlbore of its publlca- 2, to-ult, The Eoueton Chroiiiole, RiiWER IIosW<u;

,

l lfIilWW,~t~Ortbro~r~eubrcr~a : Or .zar%mim1) ~mt&tiOA~ me mWtVA ChroniOiS, Ope . at the prevent time polloyholdora of RW INSVR-

Allcg heretofore irsued by IWUREs1~ md,

m, INSURE8 deairoe to lcaue to the we&u-r and mbeoribere or PfmLIsHER~S publlcatlon, to-ult, The Bouston Ghrani~le, ad nag dooiro to buy, sama xx88aAxcE, comditim0a ad prbwick+ti that aaid madore and rubcaribere are oliglblo to becone polloy- hol&irrr of raidl?JUBHl INSUflANCR,8nd I?EIJRERle furth13r ullling spd derlrow Of mxxevin& all of those oertaln REZABEB II@URANCR now in foroe and heretofore lteued by SR!3BPZi to tbo rea&m and rabscslhorz or' ?IBUW- 33xV3 pblloatlon, to-vlt, The liotouttan Chrozilulo.

1.

?Thet that cewtaln oontraot, dated Jam3rg 20, 1939,. QAb au f!A,@W7lOAtU, if SAy, thwoto, batuecn HJBSJSBIiRl and IHSURRR be b. all thing@ nuvwxlly can- oollad, annulled and held for paught.

2. alN3LBRR agpeet to ierw Lte raid RW JSW3R-

ANCR to aI3 of the maders on4 subotrlbora 02' tha publkaatlon or publltatLons publlshad by the PUBLLSSE- HR the grecrent publiioation being The Houston ChrOal- ole I aendttionerl only that the readare and eubnerlb- me dforeeald ooae within the tams, ocladLtLcms and l.inr2tetlew pcworlbed by the RiZlilXB IIEXEUWE poll- ~1~8, a copg of which 1s attoohod hem&o and r;sndo a

part horoof. and who mike pr l ld-~uAAAc Eup o la d

r appllcstloa fqr 3s p r sr er 1 b ed a p p 1 ic a - .

tioa blmks to be Sumirhod by MSMiMW fw that pur-’ pore.

‘lMiAB3 agrow, offocttve Mnm& 25, 1941, to aolleat~1prmIum tberoSmsndtolesuo aaddelsver watdRBAlXQt XllSURM~~toaolloatall ratumpr8- ritmedueapoareidRUD=tIICB~CJZnovinforce8nb to pay ovary apeme of any nature uhataoevar in con- peotioa tharou~th, ineluding, but not by way of lipsi- tation, the apanso of lsulrlg an4 dal.lvQrlAg thQ polialoe~ tho expose of colleatlng the pr4nhms~ tha expanaa ol rolic#ftkAg and relllng the IIzADm M- sUl#ACE~ all talulor, cmmls~lon~, bowmoe, aooial. rsourity taxm at .aay kind, vhethor Seato OF Fedwal; aad all ajmsc of @ny Utigatfqm, fnclrrding eettle- meata 6nd jU&$lMAt, growlIkJj out or or? iA eAy vuy ooaneatsd ultb”tb8 rrle, lrsuanos or del~oerg or taid AEhDp8 lSSUAAEC?Z polla$.

3..

‘~SuaEII furthor covenanta, aontcautct und agraw, offeative a8 of Mawith 25, 1941, to handle all 0r the reneu8lc and oolleatloan of all pro&m aov duo or thnt my beooma dua upon any FwlDAEt IBI- %TULWZ nov outatoadin(S vhlcb AZADZA uF%J;GIINZ iUs3 heretofore been issued bg IEEUREi under and tg virtue of the provialoas OS the egeomsnt betw?al Pul3I;IPE an4 MSUZE.8 doted Janwiry 20, 1939.

“In tblt oonnaatlon, SXWXER uovonanta and f3&Wae OffaOtiV8 mrOh 25, 1941, t0 pay Wery ex- ponee of any nature *hetaoovor in csonnee.lcm t.h%re- rltb, loalodlog, but not by uey of U.initatlon, the sxpenhe of renwln43 and x-o-lmauing or redelivery 0S any policy the expense OS collecting, the ron.ewala, tba reA%wai prsmim aA apant!% OS serv1clng r%rl%Y- alr’oS said policies, sll 88larle~, oommfeelom, bonuc~s, sooLa1 eocurlty taxet), and inaumnos texea, whether State or Fqeral, and all expenaee of any litQget;ion (lnuludlng eettlenurnts en4 ju4gmnts) pow- %ag out of’ or In aziy way conmated with tIm renewaal or re-ierwnw of enid F&IDEA IA%SAAFiCE.

i.1 --

4.

9haREAaR Iltsuam(xE vhlch MSURFA a&r&! to 1~91) to the readore end subscribers of the pubUcai- ticmorpubluat~one printedby FUELI~Bea eballbe .hwa w Fcml AA 35l, a copy of uhich ie atteohed hereto and mada a part hersoi.

rrp tla went XS~ dearer to ohenge the torm of iubmst x8-, the propousd cbmge mlwt nrat be eulatted to PUBLISHER an4 PZiJ3~SliZtgS Prittea ap- proval thored obtained.

5. .

%A all AEURBI IR3URAXCR noti in form end ef- _. foat'khlda bwe harotofoma been ieeusd In accordnncs

uith t&wnitten aontrwt betlIe Pumm8BR and m- SUARA dated JWQU?~ 20, 1939, OA vhioh polfaiee the pranilw hw&xmn p&l in edvenoe OS Herah 20, 19'41. to-, i7.muam vrll llfEduate1j upon the exeautlon huruot pay to IiS- all OS uIIsuRER@S pro rate not ptm~.Iuma as provided in the oantract batvwn XSUARA end PT3Bm &tad Sanuaq 20, 1939. Attached hereto 8114 olede 61 part hereot ic a Let cf the poliaieo on which the premltmie bavu been paid Ln ailvluIcl3.

6.

‘IAPIJRW e&a&a to aaploy at 1t.r aole eJQ%nsc COiIQBt0At 8OUOitOlW t0 sellRXADi5R 18ZWuUiCE to the roadere and subaoribert 0r me mustan Chroniole.

7.

=PuBLIsm ir to dcrllver and tUI'A over to 3s SURER upon the exocuticm h%reoS sill of the inow- a~ce r~uord?, Sibe, tbpplfCet%OQ blank?, and all other reoardr portainlng to aryl READER WS1IxAIoCE POW in fora and ofT6et, lncludfu~ tbc Speedaunaat pkrtee upon vhlah aru irsprintod th% neni%s of the pollgy- holbers pod t&i% policy inScrmatlan. PUB=-, dw- S.ng the 1lSe oS this eontroet, wt.11 further p%rmlt

pose21 .

-: l.smAPA tha rraa we OS the Qmdatmat, typovrfterr,. end othm nmehmf~al equlpnmt AOW IA ueo h aonmc- tion vfth the lsaufng, col.leotlag and handling of aaid laeur~a polialea aud all OS suah other busi- nor~S,port8i.a&g thento.

9TlBsasBBB surthor eglv3oa, during th6 exletencQ OS tbfr aontawt, to fwnlsh rrea OS oh~~&e to Ix- Sm.the present ofSlOe apace ar cloy ocaupiad by th8 Itmur8nce Dqftrtobat 00 the main floor OS t&t ,@mmiale.Bulldixig, located at the i.nterssutian .os Taxes Avenue and Travis Street in Iicwttm. Earrlr County, Toxea, and, la this oonneatloa, PmSm vlll SurnMh f+w of charge to SIWX!2 llghz, heat, telephones, telepaanb rervice end the Surniture and fi%turOrr and all ol the ofrtco equ5yna~t now belxq ‘used in. aonmatfoa with the handllug and oarrying on OS the ~uein%sv in oonneiatloa 111th raid R!iMX?R ITI- SUAASOE.

“PUBLEWB fimiher agratra to apoaaor th% plane OS oiioetlng lxammnw on its readem and subn0ribox-a and io aonneotlcm therewith eel& PIZLlWiR ?&I1 poh- j .- Ueh at Its OVA expaneo irr its daily or “.&ukda~.+iCr- pqm pubUaatioa, Bnoua as The Eouetoa Chroniole, a - ar FooBl siunrsmm r3mzm (400) xcim IWIW~~~ of 8dVeJPtie~ FeUt~ to the fneux’anoe @%A and program, the inuevt%xi datse and aif% of copy to be et thf3 dlecretlon OS the !‘U3LEUER. Se&zuins; ufth the 25th day oS eauh coior3ar nonth up to and lnoluding the firot day OS thf3 next woecedIng oklen- bar EloAth, PvBI;I= Vi.11 lll30 at ftf? OUQ OX3?05e@ allou’ out OS the four hundred and %Lghty (480) lnohea eloreaaid the publicatloa of et least TWO HUXmD (gp&ylXfB devoted to tha rcnoual OS *aid R23I3&3

.l .

“PUBLSSBER Swther agzw~ to publl.ab at lta owa eqmlra in the Paid QWB par kQowQ es Tl30 ROU3- tan @roaMl& at laart OAR ( ) full page edverttae- . f” m%nt end FW5 (2) one-half page adv%rtlr%m%nts annaunc- l.n$ tho ohan@ In the method of crolleating the pro- gyiom th% carci%m to ths method preaorlbed by

. : . .

-

Benor8ble 0. P. Iakhart, pa&p a2

0.

%‘hte wetwent eha2.l continue and remin in form for a period of one (1) yww aea th4 of'peo- tive date heroof, and shell thereeft6~ contlnuo In tome and mffeet untfl aewelled by either Farty giving to the othar SIX!% (60) days ur1tten aetias of ltr lntent%on to oanael the et?ld qgwxmnt.

. 9.

Yhe effsatlve date of thle egxvmaefnt ehsll SKI 3210 P5th day of #erah, 1941, eubjeot to the exeou- tlon in uritl.ng by 6n ezacutlva off&oar 0T the It?- SUBBRanUaaoaotba~fis43,rene~e%, or ahengod by any verbal proaire or eteteaant by Vaormoever asdo and onX~ by vrltm r&ned by ane of the exoautlve offiosrr of 3xsvfEM.

10.

‘It 18 dLlrtlnctly egreed and qnderstoal betuoca the partieu hereto that thlc sgrcemsnt end the opera- tan8 ‘Of the part108 hereto thereund*r 8hall in na namer be oon~tru~d a8 a GO-mnerehip 0~ 8 joint vdptcu43 and thet no aate of omisulon or aommfreion by any of the offhers, agentu, emvantu cc csp~opoa .af either of the partlet hereto shall bo bixullzq t&pea the other party hereto.

11.

“In the event of any cleim or ertlt being flied agaiaet PWALISHER by any peraan, S2mx or corporation groul~g out of or in any uay +etiqg to the soliolt- sng, eale, leaulng, ufmcellation, oollootica of pre- mzuw or relleva10r any READSI x&YmAiYC~‘ ru"uLIm wfr;l iPsnadifltoly AOtfn IN%ElE3 thorctof ad IS%%%.3 does hereby COVOMA~, contraot and agree to neke all iavQstigatfOn8, rU5gotiationrr or EettlemantP oi' such olalm or fruits as nay Lo deowxl wqmUont by.ISWJR2~Z and to pay all expsnrea lneurrad tberevlth end to do- fend any and all euitu that my be brought a&alnalst PUBLI!!UW, whethen said suite era boaa fi& OF not,

&&&blo 0, P. Lia-rt, P@@ 23

and la .tbie atllueotson Ills- do80 Remby oolwultqt, uentra8t and agram to pay aa behalr of P[IBLIsBw all l u8a ublah PUBLISEXR ehll become obllguted to *'

iz by cemon af mq lleblllty imposed upon it by far damger mlrlng out of the ~ollaitlng of

male, fmxanae, adleation of prsaium8 or renelrei~ of maid XUDid3 IXSJJRAIOQE whether raid alalmu or m&t8 k bam8d npon any iranmattons in the pawt, - py8raAt or futaro.~

9x UITXXSS UxxxxoP, TRX Bowl?ox cxiRoBIc~ YUB- l,I&XC CCSPAXYhm eaurred there jmwenta to be exe- outed in tr&plloata by its Bualnore Manegor, and NASXIXOTOX.~IOXAL IffSt$lANCE CmAXY hae cauaod thbve presents to be axoautad bJ Its President, this the 24th day of n&ah, 1941.

. .

The agreement or eantraot betueen tho 3511 Antonio Iight of San Antonio, ~Texna, end the Xorth funerlcan hccic¶one Ineuranae copapany la am follovur I

--

mnawble 0. P. -, ~aee 24

%!XIS NBXEWlR male nnd entered into thlr 26th

E&Zfaf T%n tember 1941 by and Eetwen the San Antonlo .

Antonlo, Bua8, hereinafter referred to am tha f*rt patty, and the &o&h Xmsrlcan Acoldeqt fnamme Coqpmy of Chfcago, Illfnoie, herefn.Wer referwd to au thq woorid party.

‘%-I That the flrzt party is deslwuu of. *it&q ar agent of the mmond party In rell&g a aertatn policy or t@t readeri~ nnd 9 Ir

llclt?e, k&oun ar 8erlea 437-A to racibere of the publioatlos. known

sSb.0 Smn~Antonlo LLghtylthln tha aafmty 0fBexar; .

9hat the reaaad seal ofLnr-etultl r

ty lr enge&od in the busly oeneed to learto in the 8t8te

of Pexa.9 rush psrtmll%r pouoy or polloiac or ln- mlrMae*

gXOU, TEEXEWRIt, ln oontideratlon of the cove- nnntu and ngreemonts herein sot forth, to be kept end psrforaed by the perties heroto, the recimd party agooa to llmm the pollay heldA aesar1bsd, or any policy that may be by nn ~ezaent ln vrlt4n.g eubetltuted therefere, to tkore readers pa4 subscribers of ths publuatlon uho *hall make appllaatlon for tush polhy ana rho r6ride utthln the rerritc!rg sfore- *al& provldql, houwer, there shall be no f2oliclt- ing fo r l uch @lay outelde &he St&t6 of Tasa~r, sav- ing and exoaptin& hoverer, that the prceont sub- scribare of the pubUo&tlon i&o are resldentlr or other et&tea my eecure ruoh policy, provided that in every oaee the applloatlon for the p?~lfog of thf~ mxond party mamas through and la taken by & prcon ra&ulnrly authorLzod by the Insoranoe Departuxx~l: of the state Zn whlah cucfi applicetlon ir rnnde if the 11% of the ctata rqulroe euch euthorfcatiozi. A copy of ruoh poUoy ia hereto attcched, and ita CCUlditiOAE WI.& @#Vi@iOllP QhRll Bt 4311 tilaef3 &tG%- mixwtlm llsb~lity of the ooaond party to, such road- . em and aubsarlbercl.

‘:aid first party agrcoe wttkin twenty-four (24) houre after the reaelpt by him of euch a~pllti- tlan to is@U@ to the a&.@bS!At pOuCy Of the fOPf2

Eoiowble 0. P. fnekhaFf~pligsr25

hi&n wntlowd, muoh poll& to be dated 8~ to the aa or ~88820, rmd ufthu triotsy40~ (24) h&he fi0a the date or lasw 0r w3h policy to send to the aec- asdpartythea lloatlon thbu=43m, uponuhlohta~d ~~licrt~~ l 32 b e wtea the ~ur a fw 0r the ~OI;CY gP irrwd to such &%acbr or subscriber ena tho date or .irrw or ewh polloy.

l ssla sl?a t p b ty a & r em to o o lleo t the fa il premium of $L20 f&m eroh iarured and to p8y to said 8qwnd party at the 0rrm 0r ita agonte m to tht2 al& CSOoAd

agsrt y in ohloago, Illlnalr, the aa pre-

mlua for da thlr apw3faant. rala paywntrr to bo u6do oa or bdr0re

polwy lrrwd by the ce0and party under

the tOAth d8y Of the month rOilOWiEg the month da+ lng rhleh #ala polialer, 8ra issu8d.

‘said party or tho tlrat pa& also apse to mall to the iknwpaper PbpsrtPwrt af the Horfih Boisrci- WL bYhbAt xAWUU!O ColDpanJ t!OpiOS Or til adrrar?- tlringvbLahnraJbeused~tbe~tlcwoto~u~- tlao in aonueation vlth the afamiaaid policy.

%lotarmorthfc agzwmmatahallbe csle(l3 d year rrom itr aate aAd ahall autaasetlaally -Am un-

leer* thirty (Jo) day@ netleo ln ait- IS &won by either pert? of Intent to canool.

'a the O-At Or ths mmal Or we agre%me~c, the first perty may dmft r0r rfmewkl the names of aAy 0r the FtU'@OAa to whom the polLaloe wore wig- iM35f flr~usd, ad the lm0fw rOI? th8 COwVax Or swh pollolor for each tem of one (1) year shall be $1.20.

‘In event of fafunw or defsult of either party hereto, .ln the ~rforwnce of any of the nated ob- lfgatlana ia(poscd by this agreen#nt the other rty may temsineto thio agroenmt by $lvlng thirty 30) r dayti’ notice sa urftbg wfltp8 to the party ia de- r8titl but such temainatiw Asia AOC afrt?CSt i2u!uF-

:. .a~ nlreeay in roroe.

Qn ceee or mlmeprescmtation mr to the aatum OF oovera~e under such palfcfes by said ffrst party or his sub-agenta, tbsn this contract anb ell rigWd

i ‘.‘., r,:.q 3

,Jcqeablo 0. 0. S.mkbert, page 26 1

tb er ew& r l ha u b e rorreitad so d vo id.

%ib rim pe3ty ageme to prcmptly trenemlt to the l eowd party lenaedlots1y after receipt there- OS, @X1 mporte, oarrenunioatlon~, or other lnforne- tioa r000i+ea by him relating to clsiree prerenced cr any 0th~~~ wttor irr ubloh eaia eecmd party wy be fntereetadj ana to interpee AO difricuitios t0 the thoroogb trvoet*tron and equitable adjUWti#At 0r web aAa every olalh.

%ia zooond party agreee to promptly invertigeto muI dlepoeo or all olaime aocordlng to the morite ee tihow by th0 pxire and the faote.

V&e first party and all reproeozmtiooa eoli- 01tlAg l pplloatlons ehell at all times be 11o8Iledl by the peapee etata authority, the ooet of euoh ll- WASO ti also the tupeneo Lnaidont to the ieruo and dellvery 0r euch polfcfor to be borw by the first F-tY.

ty may report for cencellat~on,

~awh polley vi11 be oawelled by vrltton notice to l wh polloy-holder, end Grcdlt in the twmant or $1.10 r0r awh polluy ehall be givtm to raid Sixat party.

%%ii agroawnt is made eubjoct to the condition that the seaad party &all COAtiAU6 to bo liccnecd to do buelneee in the territory nov cir horcattor cov6r- 06 by this 8&X-WWAt aAd #hell have the leGa rl& to eorry out the provielow hersoi.

*Ifi UXTtfZZS WiBRECF, the cald Siret party hoe hereuu&r met him hen& on4 the tti coaoad pirtg bee caueod theee preeonq+ to b6 executed in dupllcstc, by

Kaager of Q-ii Spooitil Elow,pqx3r Travel art&t, or by en offlcor of aai6 second

&By Of &tAURr)T, l$tl.

\, \.’

‘- I

1. i

l%O.RTE AWBICM ACCIDEBl! IWXiiAi3CE CW?AIiY

BY (J -

liuAorabi0 0. P. xmkhart, pa66 27

-You ha+0 submitted a number 0S qucettone fn’your in- qulry, a8 ehou~ above. Hawaver, We thbk that t.ho riwt quee- tlon to be dsterdwfl Is vhothoatbo nevegapore Involved wuoh are peIocrto awpamtl0r.m are agente 0r ws above ma iar~- anou oompanlee. If tho above nemd neuepqere are a&eats of the hsMt0tore LulElod fnrurance 00q~Os St trill not b0 &cc*- nary to aAm?er lalqnwyr~~~

of dfeouee the other queetloiw aubcafttsd ln ye

'tilnsura~~ agent, so rm au the lneurw is comerA- ad, 18 8

.1t 3.n a0 Au reon exgroeely or lmplledly autborizcd to rep%wOAt

vlth third poreone in nattee rclat~ to S.IISUF- geei (ClCyh OA SAeurawe, Vol. 2, !?eo. 466; fozac Jur., Vol.

8. l

Actfol&5&6, Vernon@8 Annotated Civil Statutde, pro- vides Lo offoat, 6hat ang pareoa uho eolialtr 3.neuranco on be- &elSoShnylneuwmee cecpparry, whether lzm.r~oratedurn%r the 3aoe 0r this or aay other state or r0-3.g+p govermpltlnt', op uh0 takt~ or twWnIft8 Other thszl rOr haf?df fXQ appuCatiOA fOP io~urawooreny policy 0r fneuranceto or Srcl;l?mwhc~. or who sbv8rtlcee or othormlre g:vec not&e tbst he ~211 re- colvo or trawait 6he mew, or who &all rocalro or Uullrcr Q @lay oi lneurawc OS any such Q

O-+-K* or who shall examIn

a- inspeat ay rlek, or recuLw, -or 00 lea, or tremalt cnp pre- ~UQS~~~IIOIIP~QW 0romlra 0 r0rvardang dsepm0rany bti1dm.g or bulldfnge, or do or porfomw any other act or t=iing ic tlx~ mek- - iog or ccnswwt~ 0r my contract oi ireurazlcc for or pith city euch lneoraxaso co~~eny other then SOP himolf, uho ehhsll osanlne j.nio, or ad+t or 8ld la edjuztiq any loee for or On b6holf of m IneuranCo cm, shethtw any of euch actw ehell ba dOZl8 et the Iaetanco OT requm6, or by the fS?i&?lO~At of auoh $.AQursLlQO cosrmnp or OS, or bo 6ny lx&w or other pqrerm, shell be held to be tbs. SSefSAt OS .the eoqpa~y for uhLch th? act is EMU, or the rirk Ie taken, ae Ser UP relritee to all thO lisbilitiee, gutita, requlrecfxitr, an3 pmoltta3 net fort23 in the Chopxr of vhich hrtlcle 5056, aupra, l.0 a part.

By the provfslo~~ OS Article 50G4, Vmnon*a knotat- a Clvfl .%tatutoc, LW aorpcwatftm or atoak cozapany oan ba &rQAt- td a llioonoe ho aat am agent for ltf0 inewance.

ArtIols 5W%b, Yernon~s &nnotecoQ Civil ~tatuteE, is rgplloabls regarding the liceaal~ OS ogente for life 1awurR~Ce ~Orspanieer aoeldsnt ineuramar ooqm%os, life and aaoidemt,

&LrtlOlO 5os5, VernoIA’s AAAotated GlPil !?totut6?r;pr0- dder in emtot that it shall not be lawful for any person to oat within this atote, 6s ageat or othervlao in solicltlng or ~elvioig applioatloar for lnwmnoo or any kind v&tever or in w aummr to %id in the tranaaotlon or the business or aa~ in- ~IPIUKJO um inoorporated in thla state or out or It, uithout Curt proour~ 8 0ertiiLoats or aatharity rzxm the omiahoiorr. fbr waa6l o&6 ale0 provides th6t aa unll.oenaad agent who shell r&oit laeur6~0% shall bo subject to a fine (Artlolo 572, Yer- aoA’* &AOt%tQd P-1 &de).

./ &tiOlO fj68, VOrmon'r 1LoEotat04 Fen01 Co40, dofinoa ltmAWtO0 @pntt in prrot%38lly the 8amo langaagtt aa Article 5056, V~~AOA~~ lrrnotat6d Civil Btatuter.

Article 5706, Vor~cua~c Jbmotuted Pea61 Code, providea io orsot that my p~ereor; vho ch03.l eot 89 a xfe, hesztb, QP ~ooibent krst~'6~e ta@+nt vithout hnoi~& flret obtairtcrd 8 ll~anee as provideii by law, or ubo r&n11 eollolt life, health or atot- &OAt IA~UWAIJO Or OGt CL1 R life, health Or aooidmt agOAt Wtth- out having boem appolntod or deilgmted br l mo duly aubborlrod ur6 ~WJSWAOS oolppang, 60Oi4Ont a2ttu~mc8 c03p2y; iire 004 l oofdont, health nnd %OCidOAt, or life, health aad Acaident in- eurauo4 ooeqxny, or aeaocietlon, or orgsnlzotions looal mutual aid aesociQtMn, or statevido mutlinl aescolation to do zo pe provided by lav, or cny o*&w per8on uho shall eollalt, life, &ealth Ol’ ecoident inMrQnCe or Sot &.B t@OAt for SAY y~ncm CC’ lArur%Aoe ouxp%ny or asroofation not eutboci~ad to do bii3%AeRS j.~ Teraei or cay ofiiaer or repreeontatlvs 0r 8~7 life i~rurar?ce ocsapaaf, eoaldeat im!ur~ae company, life and ecofdent, health ad .%ODlddAt, ok’ ufa, health &id aocldsnc insummoo C&‘$eny OF

aonornblo 0. P. ldehart. paw 23

usoclatlon,~ or csr&kml8atlan, lOC8l mu:ual aid armolation, or rtetevlde rmtual oesooiatfon uho dotm not hav% a valid and out- &au4Ing lb&o, ar providad by law shall be guilty or a&ede- ObQnor, and upon convlotion, ahall be ifned any CUB not &o%od- ipg &00.00 aA hall bo bwrad rrom recofv%ng the 1iOOASQ U@.Qp &mtxmoo agm for a psrlod of at least two yeti--a.

*

Comlderlng Artlcleo 5062a end 50&b, ~upro, recalat- .m th0 ~,iOUUing Oi &Xlll rUOOrdini; tt@Iiti7 aAa COlitXitOrE, to- ~@hor vlth Article 5064, Yemo~~t! Anaotatod Civil Statutoa, pvoblblting aoqmratlonr. and rtock ooqmaloe f&m oatlag da WAtS rOr urCI iJIUpFUW0~ it 18 QQ6IWAt that C CO~pO~~tlOII 'damtot be lioonre4 ae an Inouranco agent in thlt rtato.

It oIU bo noted that the agro%wmt or coarractbetvreen & Inter-them!-Casualty Cw and tbo h. U. Be10 Coryotiatioa, that. ths lneurence company constitutes t&e publleher it? deposl- tory to rem8lve, 0oUeot and account to It for 3llpromLua~ real- &red i’rasiraid aevapapcm aubrcrlbbors ~AU readere upon mid volt- 010s of i~mruranoo 80 prwurad under the a~oneorchip of t&o publIehor . 'It will be noted that tb% ccntraot or agraonxent be- tueen the Iiouatm Prlnthq3 Corporation and tlxo Barth Amenicon Aocldent ,InrUranOO C-y ttst the publksher OF @Atlaq torpor- otlon agrose vfthln 24 hours tmer the receipt b;' it or such ap- @mitkSI t0 i@W t0 lth8 appifO8At & FOliCy Gf t&t3 rO= ~&?EtioA- ad, itch poller to be dated as to the date of Incue, and wlthln 24 h0Wr rXWI tha d8tO Of iWViAOO Or SuOh pOiiCg t0 !!toAli to the @t#eond pirty tb0 6~~lIts.BtioA thersfor, Upa~ ubiah Qafd ep- pltoutlou #hall be not& the ztmber of' the polfcqr itwucd~tz ruch mider or eubcor~btw and l de date 0r m~.e or euch pollay.

The pxbllehor agroce to oolloot the full IxkltIkl prero- laiam or thirty-centa 011 all A%V policies leauod L'roz the 25th day or eaoh mo~tb to the 24th day or the next ecscoadhg m&h, both IneluSive, and pay sold liiltlal premium on a net baair of

,

2~1-833 COAtS to iald seoond perty In ChIaago, Illlnol!+, 09 or be- SOPO t&43 riClrt dag Of the fOllOUlAg aOAth.

A slnilnr provfnloa ie ccntoinad lo tbo propo~cb agree- IT&AC or wxtraot betvtwm tlx 3~53 iU22als LQbt of 3x1 Pm.tonio, Polioa, and the Xorth AmerIoa;l AcoIdmi Iamwor~ce Cmpany of Ghicego.

Apparcmtlg the agruemmt or contract tmtueon the Xoua- ton Chroniale PublIah5.n~ coW@dny and the ~d&l~tOA i&tiOAAl

i..

Bmor~ble~Q. P. &olrbarL, JMJ#J 30

4 Yneurtkuae O&any ooritaixm no Drovlalon vhiwu the @O.Lsher a 1 g r W l p OlfOy W OOlbOt a &NWIiUlQ thercaon. Iiwever, the pub- lUhea agree8 to epowor the plan or erfcrutlnz inruranco on lt8 rasderr and rubbroribeow and in 6lfeat sollcltc inmmnae by m wiow a4?ertimmntr reQulred by the aontmct, for -the Vr(r&- lagton F&ttiowl Iwumnoe Compuay.

the daxrlition or bmxr~e a&@3Jlca 08 rut , Vernen*a hnoteted civil statutes; aad

&ticla 560, Vernon*8 Annotated Penal Code, ~0 think, that the &we rimed ~ublishtrrr me e#onts 0r the oaldcua Jlcltma InwlmllcQ ompmnlas ar thm yard “agent is deirined In them3 wtlcloa. And (IC abovo et&ted a aor~oret1o.u cennot be litmnsod II@ se k.mmnco agent l.n thlr etato. It ks our furthw oprarcc that the ebove d DUbuaw oceq~(LDIe~, acapt the -81 Antcnlo "@&vhl.U.h &M not executc;il the above acntrmct, 611 uhiah am

!iz atiow, 6ro unl.euirtuJ Wtirq ae m&mm of the e ove mmd r - UMWB oclrrgrales.

We em mturning hcruwlth t& pbotortatio ~oplco cf the &cm &e~%tloned: auntracte 3.n ctxapllanca ulth pw roquoat.

As it 18 oar opinUn that the abova rimed publj~r:zI-x awpniea, aoapt the Tan Altc;ClO X&hit, @iW lE?~~WXll~ Psi.- l r the s&mts of tb heMtoforc ;I- ineurcneo ccq?tn:.er, vu do not tlaSn& that lt ir necseserj to paoe upm 223 oddi8:ti3ml progoeltlow contalzmd la ycur sh~ulry.

YOUZ'Q very truly

ATTOZHLY GkXW& 03' TiZA~

1: ;,.;:.i: ~...'. " (,~., ; 'l'..$;~...i .:. .~ Ardel3 Wllliem-

nas1etent LSrdb

Enolosures