FLORIDA _ DEPARTMENT OF FINANCIAL SERVICES ~ FILED TOM GALLAGHER FEB 23 2505 CHIEF FINANCIAL OFFICER Dosketed Sy°, 7 YZ seuerent STATE OF FLORIDA IN THE MATTER OF: CASE NO.: 72633-04-/ HANI RIHAN ADMINISTRATIVE COMPLAINT TO: HANI RIHAN American Insurance Agencies of Greater FL = 240 N. Washington Blvd., Ste. 200 / = Sarasota, Florida 34236-5978 L HANI RIHAN 5450 Bentgrass Drive, Apt. 103 Sarasota, Florida 34235-2661 ce: Nicholas Sardelis, Esquire Sardelis and Bowles, L.L.P. 2033 Main Street, Suite 502 Sarasota, Florida 34237-6091 You, HANI RIHAN, license I.D. #A303133, are hereby notified that the Chief Financial Officer of the State of Florida has caused to be made an investigation of your activities while licensed as an insurance agent in this state, as a result of which it is alleged: GENERAL ALLEGATIONS 1. Pursuant to Chapter 626, Florida Statutes (2003), you, HANI RIHAN, are currently licensed in this state as a Life & Health Agent (2-18). 2. At all times pertinent to the dates and occurrences referred to herein, you, HANI RIHAN, were licensed in this state as a Life & Health Agent (2-18). 3. Pursuant to Chapter 626, Florida Statutes (2003), the Florida Department of Financial Services (hereinafter “Department”) has jurisdiction over your insurance licenses and appointments. 4, At all times relevant to the dates and occurrences referred to herein, you, HANI RIHAN, represented the Alliance for Affordable Services as a Life and Health (2-18) Agent (hereinafter, "Alliance"), and were a manager of Cornerstone Marketing. Cornerstone Marketing sold the products of Alliance. You sold insurance products through Alliance that were underwritten by the Mid-West National Life Insurance Company of Tennessce (hereinafter, "Mid-West"). Your insurance appointment with Mid-West was terminated by Mid-West on December 3, 2002. COUNT I 5. The above general allegations are hereby realleged and fully incorporated herein by reference. 6. On or about October 3, 2001, you, HANI RIHAN, went to the home of D.B., of Venice, Florida, in order to sell her a Mid-West health insurance policy. D.B.'s husband was also present at this time. You, HANI RIHAN, completed the insurance application relevant to questions you asked of D.B. While filling out the application for insurance, both D.B. and her husband informed you, HANI RIHAN, that D.B. had suffered a heart attack some two (2) years prior and as a result was hospitalized for three (3) days. You, HANI RIHAN, completed and signed the application, had D.B. sign it, and collected from D.B. and her husband, check #9199, payable to Mid-West, in the amount of FOUR HUNDRED THIRTY-EIGHT AND 07/100 ($438.07) DOLLARS, as a down payment for this health insurance. 7. Where the insurance application asked whether D.B. had, “any other medical or surgical advice, hospitalizations, treatment, operations, or testing in the last five (5) years," you, HANI RIHAN, listed the answer as "NO." 8. As a result of some responses to some of the questions on D.B.'s insurance application, D.B. was required to complete, supplement to the insurance application, an additional questionnaire regarding "High Blood Pressure." This questionnaire was also completed by you, HANI RIHAN, relevant to the questions asked of D.B. Where the questionnaire asked whether D.B. had ever had any history of heart or circulatory problems you, HANI RIHAN, listed the answer as "NO." Where the questionnaire asked whether D.B. had ever been hospitalized for high blood pressure or circulatory problems, you, HANI RIHAN, listed the answer as "NO." 9. On or about November 21, 2001, Mid-West notified D.B. that her policy was effective, but with an exclusionary endorsement for "hypertension, hypertensive heart disease any treatment in connection with or any complications therefrom." D.B. subsequently cancelled her extant health insurance policy since the Mid-West policy was now effective. D.B. made payments on her Mid-West policy for approximately three (3) months. 10. Upon reviewing D.B.'s actual medical records, Mid-West discovered the evidence of D.B.'s 1999 hospitalization as a result of hypertension and her diagnosed coronary artery disease. Because of the omission of this information from D.B.'s application for insurance, Mid- West cancelled her health insurance policy on or about January 22, 2002. A premium refund was issued to D.B. by Mid-West. 11. D.B. is now unable to secure health insurance. IT IS THEREFORE CHARGED that you, HANI RIHAN, have violated or are accountable under the following provisions of the Florida Insurance Code and Rules of the Department of Financial Services which constitute grounds for the suspension or revocation of your license and appointments: (a) Willful misrepresentation of any insurance policy or annuity contract or willful deception with regard to any such policy or contract, done cither in person or by any form of dissemination of information or advertising. Section 626.611(5), Florida Statutes (2001). (b) Demonstrated lack of fitness or trustworthiness to engage in the business of insurance. Section 626.611(7), Florida Statutes (2001). (c) Demonstrated lack of reasonably adequate knowledge and technical competence to engage in the transaction authorized by the license or appointment. Section 626.611(8), Florida Statutes (2001). (d) Fraudulent or dishonest practices in the conduct of business under the license or appointment. Section 626.611(9), Florida Statutes (2001). (e) Willful failure to comply with, or willful violation of, any proper order or rule of the Department or willful violation of any provision of this code. Section 626.611(13), Florida Statutes (2001). (f) Violation of any provision of this code or of any other law applicable to the business of insurance in the course of dealing under the license or appointment. Section 626.621(2), Florida Statutes (2001). (g) In the conduct of business under the license or permit, engaging in unfair methods of competition or in unfair or deceptive acts or practices, as prohibited under part IX this chapter, or having otherwise shown himself or herself to be a source of injury or loss to the public or detrimental to the public interest. Section 626.621(6), Florida Statutes (2001). (h) Knowingly making a false or fraudulent written or oral statement or representation on, or relative to, an application or negotiation for an insurance policy for the purpose of obtaining a fee, commission, money, or other benefit from any insurer, agent, broker, or individual. Section 626.9541(1)(k), Florida Statutes (2001). COUNT II 12. The above general allegations are hereby realleged and fully incorporated herein by reference. 13. On or about February 25, 2002, you, HANI RIHAN, went to the office of M.K., of New Port Richey, Florida, in order to sell her a Mid-West health insurance policy for her and her husband. You, HANI RIHAN, led MLK. to believe that pre-existing conditions would be covered by this new policy, provided that she already had extant health insurance coverage. You, HANI RIHAN, completed the insurance application relevant to questions you asked of M.K. While filling out the application for insurance, M.K. informed you, HANI RIHAN, that M.K.'s husband had high blood pressure and had just begun taking medication for this condition. You, HANI RIHAN, completed and signed the application, and had M.K. sign it. 14. Where the insurance application asked whether M.K., or her husband, had ever had any history of high blood pressure, you, HANI RIHAN, listed the answer as "NO." 15. Where the insurance application asked whether M.K., or her husband, were currently taking any medication, you, HANI RIHAN, listed the answer as "NO." 16. In or around April, 2002, M.K.'s husband submitted a claim to Mid-West for payment of various medical testing, which had been ordered by their doctor. The claim was denied by Mid-West on or about July 26, 2002. The claim was denied by Mid-West because, relying upon M.K. and her husband's medical records, the claim was based upon a pre-existing condition. Specifically, that pre-existing condition was M.K.'s husband's history of high-blood pressure and the fact that he had been prescribed medication for that condition. Mid-West stated that no benefits are provided for any loss resulting from a pre-existing condition. IT IS THEREFORE CHARGED that you, HANI RIHAN, have violated or are accountable under the following provisions of the Florida Insurance Code and Rules of the Department of Financial Services which constitute grounds for the suspension or revocation of your license and appointments: (a) Willful misrepresentation of any insurance policy or annuity contract or willful deception with regard to any such policy or contract, done either in person or by any form of dissemination of information or advertising. Section 626.611(5), Florida Statutes (2002). (b) | Demonstrated lack of fitness or trustworthiness to engage in the business of insurance. Section 626.611(7), Florida Statutes (2002). (c) Demonstrated lack of reasonably adequate knowledge and technical competence to engage in the transaction authorized by the license or appointment. Section 626.611(8), Florida Statutes (2002). (d) Fraudulent or dishonest practices in the conduct of business under the license or appointment. Section 626.611(9), Florida Statutes (2002). (e) Willful failure to comply with, or willful violation of, any proper order or rule of the Department or willful violation of any provision of this code. Section 626.611(13), Florida Statutes (2002). (f) Violation of any provision of this code or of any other law applicable to the business of insurance in the course of dealing under the license or appointment. Section 626.621(2), Florida Statutes (2002). (g) In the conduct of business under the license or permit, engaging in unfair methods of competition or in unfair or deceptive acts or practices, as prohibited under part LX this chapter, or having otherwise shown himself or herself to be a source of injury or loss to the public or detrimental to the public interest. Section 626.621(6), Florida Statutes (2002). (h) Knowingly making a false or fraudulent written or oral statement or representation on, or relative to, an application or negotiation for an insurance policy for the purpose of obtaining a fee, commission, money, or other benefit from any insurer, agent, broker, or individual. Section 626.9541(1)(k), Florida Statutes (2002). COUNT I 17. The above general allegations are hereby realleged and fully incorporated herein by reference. 18. On or about December 6, 2001, you, HANI RIHAN, went to the home of P.J., of Palm Harbor, Florida, in order to sell her, and her husband, a Mid-West health insurance policy, Prior to your arrival at her home, P.J. told you over the telephone that she had a past history of leukemia, but had been released by her doctor. You, HANI RIHAN, led P.J. to believe that her past history of leukemia would not hinder her from obtaining health coverage from Mid-West. You, HANI RIHAN, completed the insurance application relevant to questions you asked of P.J. While filling out the application for insurance, P.J. reminded you again, HANI RIHAN, of her past history of leukemia. You, HANI RIHAN, completed and signed the application, and had P.J. sign it. 19. Where the insurance application asked whether P.J., or her husband, had ever had any history of leukemia, you, HANI RIHAN, listed the answer as "NO." 20. On or about February 25, 2002, Mid-West denied the application for health insurance of P.J. and her husband. The application was denied, in part, because Mid-West, upon revicw of P.J. and her husband's medical records, discovered P.J.'s history of leukemia. IT IS THEREFORE CHARGED that you, HANI RIHAN, have violated or are accountable under the following provisions of the Florida Insurance Code and Rules of the Department of Financial Services which constitute grounds for the suspension or revocation of your license and appointments: (a) Willful misrepresentation of any insurance policy or annuity contract or willful deception with regard to any such policy or contract, done either in person or by any form of dissemination of information or advertising. Section 626.611(5), Florida Statutes (2002). (b) | Demonstrated lack of fitness or trustworthiness to engage in the business of insurance. Section 626.61 1(7), Florida Statutes (2002). (c) Demonstrated lack of reasonably adequate knowledge and technical competence to engage in the transaction authorized by the license or appointment. Section 626.61 1(8), Florida Statutes (2002). (d) Fraudulent or dishonest practices in the conduct of business under the license or appointment. Section 626.611(9), Florida Statutes (2002). (e) Willful failure to comply with, or willful violation of, any proper order or rule of the Department or willful violation of any provision of this code. Section 626.611(13), Florida Statutes (2002). (p Violation of any provision of this code or of any other law applicable to the business of insurance in the course of dealing under the license or appointment. Section 626.621(2), Florida Statutes (2002). (g) In the conduct of business under the license or permit, engaging in unfair methods of competition or in unfair or deceptive acts or practices, as prohibited under part [X this chapter, or having otherwise shown himself or herself to be a source of injury or loss to the public or detrimental to the public interest. Section 626.621(6), Florida Statutes (2002). (h) Knowingly making a false or fraudulent written or oral statement or representation on, or relative to, an application or negotiation for an insurance policy for the purpose of obtaining a fee, commission, money, or other benefit from any insurer, agent, broker, or individual. Section 626.9541(1)(k), Florida Statutes (2002). COUNT IV 21. The above general allegations are hereby realleged and fully incorporated herein by reference. 22. On or about September 19, 2001, you, HANI RIHAN, sold S.D., and her husband, of St. Petersburg, Florida, a Mid-West Basic Hospital/Medical-Surgical Expense Certificate. You explained to them that to obtain the surgeon benefit, one could see any surgeon connected with the Beechstreet Network. 23. However, the Mid-West policy that you sold them only covers surgery performed in a hospital or outpatient facility. 24, On or about March 26, 2002, S.D. had a biopsy and surgery performed by a doctor with the Suncoast Medical Group, and submitted a claim to Mid-West. That claim was denied because the facility was not an outpatient facility. IT IS THEREFORE CHARGED that you, HANI RIHAN, have violated or are accountable under the following provisions of the Florida Insurance Code and Rules of the Department of Financial Services which constitute grounds for the suspension or revocation of your license and appointments: (a) Willful misrepresentation of any insurance policy or annuity contract or willful deception with regard to any such policy or contract, done either in person or by any form of dissemination of information or advertising. Section 626.611(5), Florida Statutes (2001). (b) Demonstrated lack of fitness or trustworthiness to engage in the business of insurance. Section 626.61 1(7), Florida Statutes (2001). (c) Demonstrated lack of reasonably adequate knowledge and technical competence to engage in the transaction authorized by the license or appointment. Section 626.611(8), Florida Statutes (2001). (d) Fraudulent or dishonest practices in the conduct of business under the license or appointment. Section 626.611(9), Florida Statutes (2001). (e) Willful failure to comply with, or willful violation of, any proper order or rule of the Department or willful violation of any provision of this code. Section 626.61 1(13), Florida Statutes (2001). (fh Violation of any provision of this code or of any other law applicable to the business of insurance in the course of dealing under the license or appointment. Section 626.621(2), Florida Statutes (2001). (g) In the conduct of business under the license or permit, engaging in unfair methods of competition or in unfair or deceptive acts or practices, as prohibited under part IX this chapter, or having otherwise shown himself or herself to be a source of injury or loss to the public or detrimental to the public interest. Section 626.621(6), Florida Statutes (2001). (h) Knowingly making a false or fraudulent written or oral statement or representation on, or relative to, an application or negotiation for an insurance policy for the purpose of obtaining a fee, commission, money, or other benefit from any insurer, agent, broker, or individual. Section 626.9541(1)(k), Florida Statutes (2001). COUNT V 25. The above general allegations are hereby realleged and fully incorporated herein by reference. 26. On or about March 9, 2001, you, HANI RIHAN, sold C.L., and her husband, of Pinellas Park, Florida, a basic hospital medical expense plan from Mid-West. You explained to them that after payment of a single ONE-THOUSAND AND 00/100 ($1,000) DOLLAR deductible, all hospital admissions for the year would be covered. 27. Inreliance upon your representations, C.L., and her husband, later raised their deductible to FIFTEEN HUNDRED AND 00/100 ($1,500) DOLLARS. 28, Only later did C.L., and her husband, discover that the deductible was to be paid for each hospital admission, not only once per year. As a result, C.L. and her husband have incurred unpaid medical claims. IT IS THEREFORE CHARGED that you, HANI RIHAN, have violated or are accountable under the following provisions of the Florida Insurance Code and Rules of the Department of Financial Services which constitute grounds for the suspension or revocation of your license and appointments: 11 (a) Willful misrepresentation of any insurance policy or annuity contract or willful deception with regard to any such policy or contract, done either in person or by any form of dissemination of information or advertising. Section 626.611(5), Florida Statutes (2001). (b) Demonstrated lack of fitness or trustworthiness to engage in the business of insurance, Section 626.611(7), Florida Statutes (2001). (c) Demonstrated lack of reasonably adequate knowledge and technical competence to engage in the transaction authorized by the license or appointment. Section 626.611(8), Florida Statutes (2001). (d) Fraudulent or dishonest practices in the conduct of business under the license or appointment. Section 626.611(9), Florida Statutes (2001). (e) Willful failure to comply with, or willful violation of, any proper order or rule of the Department or willful violation of any provision of this code. Section 626.611(13), Florida Statutes (2001). (f) Violation of any provision of this code or of any other law applicable to the business of insurance in the course of dealing under the license or appointment. Section 626.621(2), Florida Statutes (2001). (g) In the conduct of business under the license or permit, engaging in unfair methods of competition or in unfair or deceptive acts or practices, as prohibited under part [X this chapter, or having otherwise shown himself or herself to be a source of injury or loss to the public or detrimental to the public interest. Section 626.621(6), Florida Statutes (2001). (b) Knowingly making a false or fraudulent written or oral statement or representation on, or relative to, an application or negotiation for an insurance policy for the 12 purpose of obtaining a fee, commission, money, or other benefit from any insurer, agent, broker, or individual. Section 626.9541(1)(k), Florida Statutes (2001). COUNT VI 29. The above general allegations are hereby realleged and fully incorporated herein by reference. 30. During your tenure as a manager of Cornerstone Marketing, you, HANI RIHAN, encouraged agents, who were subordinate to you, to misrepresent the terms of the insurance products they sold, to falsify information on applications, and/or to generate misleading advertising, in order to generate commissions and/or association fees. 31. Specifically, you, HANI RIHAN, instructed (or arranged for the instruction of) agents subordinate to you to deliberately leave out information regarding pre-existing conditions on applications for insurance. You, HANI RIHAN, instructed (or had instructed) agents to deliberately misrepresent the amount of possible annual rate-increases. You, HANI RIHAN, instructed (or had instructed) agents to never reveal to insureds brochures published by Mid- West, which contradicted what you, or your agents, told those insureds regarding their coverage with Mid-West. IT IS THEREFORE CHARGED that you, HANI RIHAN, have violated or are accountable under the following provisions of the Florida Insurance Code and Rules of the Department of Financial Services which constitute grounds for the suspension or revocation of your license and appointments: (a) Willful misrepresentation of any insurance policy or annuity contract or willful deception with regard to any such policy or contract, done either in person or by any form of dissemination of information or advertising. Section 626.611(5), Florida Statutes (2001). 13 (b) Demonstrated lack of fitness or trustworthiness to engage in the business of insurance. Section 626.611({7), Florida Statutes (2001). (c) Demonstrated lack of reasonably adequate knowledge and technical competence to engage in the transaction authorized by the license or appointment. Section 626.611(8), Florida Statutes (2001). (d) Fraudulent or dishonest practices in the conduct of business under the license or appointment. Section 626.611(9), Florida Statutes (2001). (e) Willful failure to comply with, or willful violation of, any proper order or rule of the Department or willful violation of any provision of this code. Section 626.611(13), Florida Statutes (2001). (f) Violation of any provision of this code or of any other law applicable to the business of insurance in the course of dealing under the license or appointment. Section 626.621(2), Florida Statutes (2001). (g) In the conduct of business under the license or permit, engaging in unfair methods of competition or in unfair or deceptive acts or practices, as prohibited under part [X this chapter, or having otherwise shown himself or herself to be a source of injury or loss to the public or detrimental to the public interest. Section 626.621(6), Florida Statutes (2001). (h) Knowingly aiding, assisting, procuring, advising, or abetting any person in the violation of or to violate a provision of the insurance code or any order or rule of the department. Section 626.621(12), Florida Statutes (2001). (i) Knowingly making, issuing, circulating, or causing to be made, issued, or circulated, any estimate, illustration, circular, statement, sales presentation, omission, or 14 comparison which misrepresents the benefits, advantages, conditions, or terms of any insurance policy. Section 626.9541(1)(a), Florida Statutes (2001). q) Knowingly making, publishing, disseminating, circulating, or placing before the public, or causing, directly or indirectly, to be made, published, disseminated, circulated, or placed before the public . .. an advertisement, announcement, or statement containing any assertion, representation, or statement with respect to the business of insurance, which is untrue, deceptive, or misleading. Section 626.9541 (1)(b), Florida Statutes (2001). (k) Knowingly . . . causing, directly or indirectly, to be made, published, disseminated, circulated, delivered to any person, or placed before the public, any false material statement. Section 626.9541(1)(e), Florida Statutes (2001). (1) Knowingly making a false or fraudulent written or oral statement or representation on, or relative to, an application or negotiation for an insurance policy for the purpose of obtaining a fee, commission, money, or other benefit from any insurer, agent, broker, or individual. Section 626.9541(1)(k), Florida Statutes (2001). WHEREFORE, you, HANI RIHAN, are hereby notified that the Chief Financial Officer intends to enter an Order suspending or revoking your licenses and appointments as an insurance agent or to impose such penalties as may be provided under the provisions of Sections 626.611, 626.621, 626.681, 626.691, and 626.9521, Florida Statutes (2003), and under the other referenced sections of the Florida Statutes as set out in this Administrative Complaint. NOTICE OF RIGHTS You have the right to request a proceeding to contest this action by the Department pursuant to Sections 120.569 and 120.57, Florida Statutes (2003), and Rule 28-107, Florida Administrative Code. The proceeding request must be in writing, signed by you, and must be 15 filed with the Department within twenty-one (21) days of your receipt of this notice. Completion of the attached Election of Proceeding form and/or a petition for administrative hearing will suffice as a written request. The request must be filed with the General Counsel as acting Agency Clerk, at the Florida Department of Financial Services, 612 Larson Building, 200 East Gaines Street, Tallahassee, Florida 32399-0333. Your written response must be received by the Department no later than 5:00 p.m. on the twenty-first day after your receipt of this notice. Mailing the response on the twenty-first day will not preserve your right to a hearing. YOUR FAILURE TO RESPOND IN WRITING WITHIN TWENTY-ONE (21) DAYS OF YOUR RECEIPT OF THIS NOTICE WILL CONSTITUTE A WAIVER OF YOUR RIGHT TO REQUEST A PROCEEDING ON THE MATTERS ALLEGED HEREIN AND AN ORDER OF REVOCATION WILL BE ENTERED AGAINST YOU. {f you request a proceeding, you must provide information that complies with the requirements of Rule 28-107.004, Florida Administrative Code. As noted above, completion of the attached Election of Proceeding form conforms to these requirements. Specifically, your response must contain: (a) The name and address of the party making the request, for purpose of service; (b) A statement that the party is requesting a hearing involving disputed issues of material fact, or a hearing not involving disputed issues of material fact; and (c) A reference to the notice, order to show cause, administrative complaint, or other communication that the party has received from the agency. If a hearing of any type is requested, you have the right to be represented by counsel or other qualified representative at your expense, to present evidence and argument, to call and cross-examine witnesses, and to compel the attendance of witnesses and the production of documents by subpoena. 16 If a proceeding is requested and there is no dispute of material fact, the provisions of Section 120.57(2), Florida Statutes (2003), apply. In this regard, you may submit oral or written evidence in opposition to the action taken by the Department or a written statement challenging the grounds upon which the Department has relied. While a hearing is normally not required in the absence of a dispute of fact, if you feel that a hearing is necessary, one will be conducted in Tallahassee, Florida, or by telephonic conference call upon your request. However, if you dispute material facts, which are the basis for the Department’s action, you must request an adversarial proceeding pursuant to Sections 120.569 and 120.57(1), Florida Statutes (2003). These proceedings are held before a State administrative law judge of the Division of Administrative Hearings. Unless the majority of witnesses are located elsewhere, the Department will request that the hearing be conducted in Tallahassee, Florida. Failure to follow the procedure outlined with regard to your response to this notice may reswtit in the request being denied. All prior oral communication or correspondence in this matter shall be considered freeform agency action, and no such oral communication or correspondence shall operate as a valid request for an administrative proceeding. Any request for an administrative proceeding received prior to the date of this notice shall be deemed abandoned unless timely renewed in compliance with the guidelines as set out above. Mediation of this matter pursuant to Section 120.573, Florida Statutes (2003), is not available. No Department attorney will discuss this matter with you until the response has been received by the Department of Financial Services. day oftebcuary. 2005. .N CHANDLER Deputy Chief Financial Officer 17 CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing ADMINISTRATIVE COMPLAINT and ELECTION OF RIGHTS has been furnished to: Nicholas Sardelis, Esq., Counsel for Respondent, Sardelis and Bowles, L.L.P., 2033 Main Street, Suite 502, Sarasota, Florida 34237-6091, by Certified Mail this \Suay of Ee br 1.0 = , 2005. Michael T. Ruff a Florida Bar Number 688541 Division of Legal Services 612 Larson Building 200 East Gaines Street Tallahassee, Florida 32399-033 Phone: (850) 413-4134 Fax (850) 487-4907 Attorney for Department ETHIS SECTION ON DELIVERY | hat cow B, Date, Delivery 2. Article Number vm 7LbO 390) WH4 2b74 eaee COMPLETE THIS SECTION ON DELIVERY MN Received by (Please Print Cleatty) Cl agent 70 {_j Addressee {1 Agent \) . ee Addressee Ap nt Kony ‘ = D. ts delivery address differe a asoW: Con a i) addres D, Is delivery address different stoner is veg, entat very IYES, enter defivary adgyéss 3. Service Tyre CERTIFIED MAIL 4. Restricted Delivery? (Extra Fee) izes 1. Article Addressed to: ; HANI S. RIHAN . 5450 BENTGRASS DRIVE, APT. 103 SARASOTA, FL 34235 72633-04-AG AC 72053-04AG A 92/15/2005 02/15/2005 RESTRICTED | Ruff | post | | DELIVERY Hobhlbusalbushtlaudlat ic Return Receipt PS Form 3811, July 2001 Domestic Return Receipt

Docket for Case No: 05-001163PL