FILED JUN 29 2000 TREASURER AND INSURANCE COMMISSIONER THE TREASURER OF THE STATE OF FLORIDA Docketed by:_ 5 y ; DEPARTMENT OF INSURANCE BILL NELSON S CO-3a8/) 5. IN THE MATTER OF: 222 e 7) PAMELA YVONNE LITTLE CASE NO.: 34356-00-AGE eo / 2 SB. 2g ADMINISTRATIVE COMPLAINT mF RO TO: PAMELA YVONNE LITTLE 10071 RACHEL CHERIE DRIVE POLK CITY, FLORIDA 33868-8846 PAMELA YVONNE LITTLE GREAT FLORIDA INSURANCE AGENCY 5327 SOUTH FLORIDA AVENUE LAKELAND, FLORIDA 33813-4913 PAMELA YVONNE LITTLE ALL DISCOUNT AUTO INSURANCE, INC. 2443 HIGHWAY 98 NORTH LAKELAND, FLORIDA 33805 You, PAMELA YVONNE LITTLE, are hereby notified that the Insurance Commissioner 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, you, PAMELA YVONNE LITTLE, are currently licensed in this state as a general lines agent and a health insurance agent. YU UW 2. At all times pursuant to the dates and occurrences referred to herein, you, PAMELA YVONNE LITTLE, were licensed in this state as a general lines agent and a health insurance agent. 3, Pursuant to Chapter 626, Florida Statutes, the Florida Department of Insurance has jurisdiction over your insurance licenses. 4. You, PAMELA YVONNE LITTLE, worked at Great Florida Insurance Agency in Lakeland, Florida from January 1996 through September 13, 1999. 5. Steve Surrell purchased Great Florida Insurance on October 1997. 6. You, PAMELA YVONNE LITTLE, were designated as the primary agent for Great Florida Insurance on August 11, 1997. As the primary agent you, PAMELA YVONNE LITTLE, were the licensed agent who was responsible for the hiring and supervision of all individuals within an insurance agency location whether such individuals deal with the public in the solicitation or negotiation of insurance contracts or in the collection or accounting of moneys from the general public. 7. You, PAMELA YVONNE LITTLE, were a signatory on Great Florida Insurance’s checking account at Platinum Bank from April 27, 1999 through September 13, 1999. 8. In early 1998, due to illness, Steve Surrell turned over control of the office to you, PAMELA YVONNE LITTLE. Your daily responsibilities included writing insurance policies, taking payments from customers for down payments and monthly payments on their insurance policies, writing checks to the insurance companies for the down payments and monthly payments collected from customers at the agency, making bank deposits, keeping the office records, and paying the agency’s bills. — WU YY 9. Shortly after the owner, Steve Surrell’s death on August 8, 1999, his son, Kevin Surrell reviewed Great Florida Insurance’s books. Kevin Surrell found that the agency was losing money for some unexplainable reason. 10. On Friday, September 10, 1999, you, PAMELA YVONNE LITTLE, called Kevin Surrell and resigned, giving two weeks notice. 11. On Monday, September 13, 1999, Kevin Surrell received a fax from you, PAMELA YVONNE LITTLE, sent from the Great Florida Insurance office, stating that you, PAMELA YVONNE LITTLE, were tired and taking a vacation and would not be returning to work. 12. Kevin Surrell immediately drove from his home is Sarasota to the office in Lakeland and found the office closed for business. When he entered the office, he found that it had been ransacked and many business documents were missing. 13. After you, PAMELA YVONNE LITTLE, left Great Florida Insurance, the agency received numerous complaints from insureds that you, PAMELA YVONNE LITTLE, had handled. The complaints were about cancellation notices and shortages in premium credits. COUNT I 14, The above general allegations are realleged and incorporated by reference herein. 15. On January 8, 1999, Edna Passman and/or George Markins paid you, PAMELA YVONNE LITTLE, $119.00 in cash to renew their insurance with Integon. You, PAMELA YVONNE LITTLE, never applied the $119.00 to their policy. Unbeknownst to Ms. Passman and Mr. Markins, their insurance was cancelled for non-payment on January 21, 1999. 16. On June 6, 1999, you, PAMELA YVONNE LITTLE, rewrote their insurance policy without their knowledge. mee we) VY 17. On July 6, 1999, they paid you, PAMELA YVONNE LITTLE, $76.12 in cash for their insurance with Integon. You, PAMELA YVONNE LITTLE, never applied the $76.12 to their insurance. IT IS THEREFORE CHARGED that you, PAMELA YVONNE LITTLE, have violated or are accountable under the following provisions of the Florida Insurance Code which constitute grounds for the suspension or revocation of your licenses and appointments as an insurance agent: (a) All premiums, return premiums, or other funds belonging to insurers or others received by an agent, customer representative, solicitor, or adjuster in transactions under his or her license are trust funds received by the licensee in a fiduciary capacity. An agent shall keep the funds belonging to each insurer for which he or she is not appointed, other than a surplus lines insurer, in a separate account so as to allow the department to properly audit such funds. The licensee in the applicable regular course of business shall account for and pay the same to the insurer, insured, or other person entitled thereto. [Section 626.561(1), Florida Statutes]; (b) Any agent, customer representative, solicitor, or adjuster who, not being lawfully entitled thereto, either temporarily or permanently diverts or misappropriates such funds or any portion thereof or deprives the other person of a benefit therefrom commits a felony of the third degree, punishable as provided in s.775.082, 8.775.083, or s.775.084, if the funds diverted or misappropriated are more than $300, but less than $20,000, [Section 626.561(3)(b), Florida Statutes]; (c) If the license or appointment is willfully used, or to be used, to circumvent any of the requirements or prohibitions of this code. [Section 626.61 1(4), Florida Statutes]; VU \d (d) 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]; (e) Demonstrated lack of fitness or trustworthiness to engage in the business of insurance. [Section 626.61 1(7), Florida Statutes]; (f) Fraudulent or dishonest practices in the conduct of business under the license or appointment. [Section 626.611(9), Florida Statutes]; (g) Misappropriation, conversion, or unlawful withholding of moneys belonging to insurers or insureds or beneficiaries or to others and received in conduct of business under the license or appointment. [Section 626.61 1(10), Florida Statutes]; (h) 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]; (i) 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]; (Gj) In the conduct of business under the license or appointment, engaging in unfair methods of competition or in unfair or deceptive acts or practices, as prohibited under part X of this chapter, or having otherwise shown himself or herself to be a source of injury or loss to the public. [Section 626.621(6), Florida Statutes]; (k) UNFAIR METHODS OF COMPETITION AND UNFAIR OR DECEPTIVE ACTS.-The following are defined as unfair methods of competition and unfair or deceptive acts or practices: False statements and entries.- Knowingly: WW WY a. Filing with any supervisory or other public official, b. Making, publishing, disseminating, circulating, c. Delivering to any person, d. Placing before the public e. 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)1., Florida Statutes]; (1) UNFAIR METHODS OF COMPETITION AND UNFAIR OR DECEPTIVE ACTS.-The following are defined as unfair methods of competition and unfair or deceptive acts or practices: Misrepresentation in insurance applications.- 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 626.954 1(1)(k)1., Florida Statutes]; (m) UNFAIR METHODS OF COMPETITION AND UNFAIR OR DECEPTIVE ACTS.-The following are defined as unfair methods of competition and unfair or deceptive acts or practices: False claims; obtaining or retaining money dishonestly.- Any agent, solicitor, collector, or other person who represents any insurer or collects or does business without the authority of the insurer, secures cash advances by false statements, or fails to tum over when required, or satisfactorily account for, all collections of such insurer. [Section 626.9541 (1)(u)2., Florida Statues]; COUNT II 18. The above general allegations are realleged and incorporated by reference herein. YU YU 19. On June 11, 1999, Michael McElfish paid you, PAMELA YVONNE LITTLE, $68.56 in cash for his insurance with Integon. Unbeknownst to Mr. McElfish, on June 13, 1999, his policy was cancelled by Integon for non-payment of premiums. You, PAMELA YVONNE LITTLE, never applied the $68.56 to his policy. You, PAMELA YVONNE LITTLE, never recorded the $68.56 payment on the Daily Production Report (“DPR”). 20. On July 16, 1999, Mr. McElfish paid you, PAMELA YVONNE LITTLE, $13.75 and $67.59 (total $81.34) in cash for his insurance with Integon. You, PAMELA YVONNE LITTLE, never applied the $81.34 to his policy. You, PAMELA YVONNE LITTLE, only recorded $81.00 on the DPR for his insurance. 21. On August 3, 1999, you, PAMELA YVONNE LITTLE, rewrote his insurance, without his knowledge or signature. IT IS THEREFORE CHARGED that you, PAMELA YVONNE LITTLE, have violated or are accountable under the following provisions of the Florida Insurance Code which constitute grounds for the suspension or revocation of your licenses as an insurance agent in the state: Sections 626.5611); 626.561(3)(b); 626.61 1(4); 626.61 1(5); 626.611(7); 626.611(9); 626.61 1(10); 626.611(13); 626.621 (2); 626.621(6); 626.9541(1)(e) 1; 626.9541(1)(k) 1 and 626.9541(1)(u) 2, Florida Statutes, as more particularly alleged in Count I above. COUNT III 22. The above general allegations are realleged and incorporated by reference herein. 23. On July 1, 1999, Sandra Curry paid you, PAMELA YVONNE LITTLE, $91.50 in cash for her insurance policy with American Surety. You, PAMELA YVONNE LITTLE, never applied these monies to her insurance account, resulting in a cancellation of her policy on September 24, 1999. a W Nw 24. On July 30, 1999, Sandra Curry paid you, PAMELA YVONNE LITTLE, $92.48 in cash for her insurance policy with American Surety. You, PAMELA YVONNE LITTLE, did not credit these monies to her account until a month after the payment was due. Payment was due on August 2, 1999 and you, PAMELA YVONNE LITTLE, issued a check on September 3, 1999. IT IS THEREFORE CHARGED that you, PAMELA YVONNE LITTLE, have violated or are accountable under the following provisions of the Florida Insurance Code which constitute grounds for the suspension or revocation of your licenses as an insurance agent in the state: Sections 626.561(1); 626.561 (3)(b); 626.61 1(4); 626.61 1(5); 626.61 1(7); 626.611(9); 626.61 1(10); 626.611(13); 626.621 (2); 626.621(6); 626.9541(1)(e) 1; 626.9541(1)(k) 1 and 626.9541(1)(u)2, Florida Statutes, as more particularly alleged in Count I above. COUNT IV 25. The above general allegations are realleged and incorporated by reference herein. 26. On July 13, 1999, Josh Boyd paid you, PAMELA YVONNE LITTLE, $368.00 in cash for a down payment on his new insurance with Progressive. You, PAMELA YVONNE LITTLE, only applied $308.00 to his account. There is no record of a DPR for July 13, 1999. The receipt that you, PAMELA YVONNE LITTLE, gave to Mr. Boyd indicates it was for insurance and Towing and Recovery. Mr. Boyd never applied for this service. ITIS THEREFORE CHARGED that you, PAMELA YVONNE LITTLE, have violated or are accountable under the following provisions of the Florida Insurance Code which constitute grounds for the suspension or revocation of your licenses as an insurance agent in the state: Sections 626.561 (1); 626.561(3)(b); 626.61 1(4); 626.611(5); 626.611(7); 626.61 1(9); 626.611(10); 626.611(13); 626.621(2); 626.62 1(6); 626.9541(1)(e) 1; 626.9541(1)(k) 1 and 626.9541(1)(u)2, Nw) WY Florida Statutes, as more particularly alleged in Count I above and Section 626.9541(1)(z)3. UNFAIR METHODS OF COMPETITION AND UNFAIR OR DECEPTIVE ACTS.-The following are defined as unfair methods of competition and unfair or deceptive acts or practices: Sliding.- Sliding is the act or practice of: Charging an applicant for a specific ancillary coverage or product, in addition to the cost of the motor vehicle insurance coverage applied for, without the informed consent of the applicant. COUNT V 27. The above general allegations are realleged and incorporated by reference herein. 28. On August 3, 1999, Diane Simmons paid you, PAMELA YVONNE LITTLE, $142.22 by check for a down payment on her new insurance with Progressive. You, PAMELA YVONNE LITTLE, only applied $112.11 to her account. The DPR showed $112.11 applied to her insurance. 29. Ms. Simmons also found out her premiums were higher because you, PAMELA YVONNE LITTLE, used old rate schedules when writing her policy. IT IS THEREFORE CHARGED that you, PAMELA YVONNE LITTLE, have violated or are accountable under the following provisions of the Florida Insurance Code which constitute grounds for the suspension or revocation of your licenses as an insurance agent in the state: Sections 626.561(1); 626.561(3)(b); 626.61 1(4); 626.611(5); 626.61 1(7); 626.61 1(9); 626.611(10); 626.611(13); 626.621(2); 626.621(6); 626.9541(1)(e) 1; 626.9541(1)(k) 1 and 626.9541(1)(u)2, Florida Statutes, as more particularly alleged in Count] above. COUNT VI 30. The above general allegations are realleged and incorporated by reference herein. VU UY 31. On August 3, 1999, William Getman paid you, PAMELA YVONNE LITTLE, $280.00 in cash for a down payment on his new insurance with Progressive. You, PAMELA YVONNE LITTLE, only applied $222.70 to his account. The DPR showed $222.70 applied to his insurance. 32. You, PAMELA YVONNE LITTLE, also put down the wrong address for William Getman on the policy. IT IS THEREFORE CHARGED that you, PAMELA YVONNE LITTLE, have violated or are accountable under the following provisions of the Florida Insurance Code which constitute grounds for the suspension or revocation of your licenses as an insurance agent in the state: Sections 626.561(1); 626.561 (3)(b);626.611(4); 626.611 (5); 626.61 1(7); 626.61 1(9); 626.61 1(10); 626.611(13); 626.621 (2); 626.621(6); 626.9541(1)(e) 1; 626.9541(1)(k) 1 and 626.9541(1)(u) 2, Florida Statutes, as more particularly alleged in Count I above. COUNT VII 33. The above general allegations are realleged and incorporated by reference herein. 34. On August 13, 1999, Jeff Thompson paid you, PAMELA YVONNE LITTLE, $154.00 in cash for his insurance with American Surety. You, PAMELA YVONNE LITTLE, never applied the monies to his account. You, PAMELA YVONNE LITTLE, never recorded his payment in the DPR. Unbeknownst to Mr. Thompson, his insurance was cancelled on September 6, 1999. IT IS THEREFORE CHARGED that you, PAMELA YVONNE LITTLE, have violated or are accountable under the following provisions of the Florida Insurance Code which constitute grounds for the suspension or revocation of your licenses as an insurance agent in the state: Sections 626.561 (1); 626.561 (3)(b); 626.61 1(4); 626.611(5); 626.61 1(7); 626.611(9); 626.61 1(10); 626.61 1(13); 626.621(2); 626.621(6); 626.9541(1)(e) 1; 626.9541(1)(k) 1 and 626.9541(1)(u)2, Florida Statutes, as more particularly alleged in Count I above. | COUNT VIII 35. The above general allegations are realleged and incorporated by reference herein. 36. On September 1, 1999, Marian Franklin paid you, PAMELA YVONNE LITTLE, $199.83 by check for a down payment on her new insurance with Progressive. You, PAMELA YVONNE LITTLE, only applied $169.83 to her account. The DPR showed $169.83 applied to her insurance and $30 to Towing and Recovery. Ms. Franklin never applied for this service. IT IS THEREFORE CHARGED that you, PAMELA YVONNE LITTLE, have violated or are accountable under the following provisions of the Florida Insurance Code which constitute grounds for the suspension or revocation of your licenses as an insurance agent in the state: Sections 626.561(1); 626.561(3)(b); 626.61 1(4); 626.611(5); 626.61 1(7); 626.611(9); 626.61 1(10); 626.611(13);626.621(2); 626.621 (6); 626.9541(1)(e) 1; 626.9541(1)(k) 1; 626.9541(1)(u)2 and 626.9541(1)(z)3, Florida Statutes, as more particularly alleged in Counts I and IV above. COUNT IX 37. The above general allegations are realleged and incorporated by reference herein. 38. On September 3, 1999, Herbert Honey paid you, PAMELA YVONNE LITTLE, $116.00 by check for his insurance with American Surety. You, PAMELA YVONNE LITTLE, only applied $76.00 to his account. The DPR showed $76.00 applied to his insurance and $40.00 to Towing and Recovery. Mr. Honey never applied for this service. ITIS THEREFORE CHARGED that you, PAMELA YVONNE LITTLE, have violated or are accountable under the following provisions of the Florida Insurance Code which constitute grounds for the suspension or revocation of your licenses as an insurance agent in the state: Sections oes VU Nw] 626.561(1); 626.561(3)(b); 626.61 1(4); 626.611(5); 626.61 1(7); 626.611(9); 626.61 1(10); 626.611(13); 626.621 (2); 626.621(6); 626.9541(1)(e) 1; 626.9541(1)(k) 1; 626.9541(1)(u)2 and 626.9541(1)(z)3, Florida Statutes, as more particularly alleged in Counts I and IV above. COUNT X 39. The above general allegations are realleged and incorporated by reference herein. 40. On September 9, 1999, Vanessa Jones paid you, PAMELA YVONNE LITTLE, $143.22 in cash for a down payment on her new insurance with Progressive. You, PAMELA YVONNE LITTLE, only applied $113.22 to her account. The DPR showed $113.22 applied to her insurance. . IT IS THEREFORE CHARGED that you, PAMELA YVONNE LITTLE, have violated or are accountable under the following provisions of the Florida Insurance Code which constitute grounds for the suspension or revocation of your licenses as an insurance agent in the state: Sections 626.561(1); 626.561(3)(b); 626.61 1(4); 626.611(5); 626.61 1(7); 626.611(9); 626.61 1(10); 626.61 1(13); 626.621(2); 626.621(6); 626.9541(1)(e) 1; 626.9541(1)(k) 1 and 626.9541(1)(u)2, Florida Statutes, as more particularly alleged in Count I above. COUNT XI 41. The above general allegations are realleged and incorporated by reference herein. 42. On Friday, September 10, 1999, you, PAMELA YVONNE LITTLE, called the payroll company and ordered a payroll check, a vacation pay check, and a bonus commission check to be overnighted to your house under the pretense of needing to get Kevin Surrell’s signature on the checks before he went out of town. 43. Kevin Surrell never authorized those checks to be issued to you, PAMELA YVONNE LITTLE. GW YY 44, Kevin Surrell contacted Platinum Bank and removed you, PAMELA YVONNE LITTLE as a signatory. He also contacted the payroll company to notify them about your termination. He learned that you, PAMELA YVONNE LITTLE, had already obtained and cashed the unauthorized checks mentioned above. IT IS THEREFORE CHARGED that you, PAMELA YVONNE LITTLE, have violated-or are accountable under the following provisions of the Florida Insurance Code which constitute grounds for the suspension or revocation of your licenses as an insurance agent in the state: Sections 626.561(1); 626.561(3)(b); 626.61 1(4); 626.61 1(7); 626.61 1(9); 626.611(10); 626.61 1(13); 626.621 (2); 626.621(3), Florida Statutes, as more particularly alleged in Count I above. COUNT XII 45. The above general allegations are realleged and incorporated by reference herein. 46. As of June 16, 2000, the DEPARTMENT has your business name as Great Florida Insurance and your business address as 5327 South Florida Avenue, Lakeland, Florida 33813. 47. Your last day of employment at Great Florida Insurance was September 13, 1999. 48. On October 1, 1999, you, PAMELA YVONNE LITTLE, were working at All Discount Auto Insurance, Inc., 2443 Highway 98 North, Lakeland, Florida 33805. 49. | You, PAMELA YVONNE LITTLE, failed to notify the DEPARTMENT of your new principal business street address within 30 days. IT IS THEREFORE CHARGED that you, PAMELA YVONNE LITTLE, have violated or are accountable under the following provisions of the Florida Insurance Code which constitute grounds for the suspension or revocation of your licenses and appointments as an insurance agent: . UW UY (a) Every licensee shall notify the department in writing within 30 days after a change of name, residence address, principal business street address, or mailing address. [Section 626.551, Florida Statutes]; (b) 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]; (c) 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]; WHEREFORE, you, PAMELA YVONNE LITTLE, are hereby notified that the Treasurer and Insurance Commissioner intends to enter an Order 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, and under the other referenced sections of the Florida Statutes as set out in this Administrative Complaint. You are further notified that any order entered in this case revoking or suspending any license or eligibility for licensure held by you shall also apply to all other licenses and eligibility held by you under the Florida Insurance Code. NOTICE OF RIGHTS Pursuant to Sections 120.569 and 120.57, Florida Statutes and Rule Chapter 28-106, Florida Administrative Code (F.A.C.), you have the right to request a proceeding to contest this action by the Department. You may elect a proceeding by completing the attached Election of Rights form or filing a Petition. Your Petition or Election of a proceeding must be in writing and must be filed with the General Counsel acting as the Agency Clerk, Department of Insurance. If WU Ne served by U.S. Mail the Petition or Election should be addressed to the Florida Department of Insurance at 612 Larson Building, Tallahassee, Florida 32399-0333. If Express Mail or hand delivery is utilized, the Petition or Election should be delivered to 612 Larson Building, 200 East Gaines Street, Tallahassee, Florida 32399-0333. The Petition or Election must be received by, and filed in the Department within twenty-one (21) days of the date of your receipt of this notice. . YOUR FAILURE TO RESPOND TO THIS ADMINISTRATIVE COMPLAINT WITHIN TWENTY-ONE (21) DAYS 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. ; If a proceeding is requested and there is no dispute of fact the provisions of Section 120.57(2), Florida Statutes would apply. In this regard you may submit oral or written evidence in opposition to the action taken by this agency or a written statement challenging the grounds upon which the agency 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. If you dispute material facts which are the basis for this agency's action you may request a formal adversarial proceeding pursuant to Sections 120.569 and 120.57(1), Florida Statutes. If you request this type of proceeding, the request must comply with all of the requirements of Rule Chapter 28-106, F.A.C. and contain a) A statement identifying with particularity the allegations of the Department which you dispute and the nature of the dispute; b) An explanation of what relief you are seeking and believe you are entitled to; c) Any other information which you contend is material. 'w Nw) 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. If you request a hearing, you have the right to be represented by counsel, or other qualified representative, to take testimony, to call and cross-examine witnesses, and to have subpoena and subpoena duces tecum issued on your behalf. You are hereby notified that mediation under Section 120.573, Florida Statutes, is not available. Failure to follow the procedure outlined with regard to your response to this notice may result in the request being denied. All prior-correspondence in this matter shall be considered freeform agency action, and no such correspondence shall operate as a valid request for an administrative proceeding. Any request for 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. DATED and SIGNED thig WZ aday of 000. ILL NELSON Treasurer and Insurance Commissioner } i 1 Ww / CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing ADMINISTRATIVE COMPLAINT has been furnished to: PAMELA YVONNE LITTLE, 10071 RACHEL CHERIE DRIVE, POLK CITY, FLORIDA 33868-8846; PAMELA YVONNE LITTLE, GREAT FLORIDA INSURANCE AGENCY, 5327 SOUTH FLORIDA AVENUE, LAKELAND, FLORIDA 33813-4913; PAMELA YVONNE LITTLE, ALL DISCOUNT AUTO INSURANCE, INC., 2443 HIGH 8 NORTH, LAKELAND, FLORIDA 33805, by U.S. Certified Mail this %y day o , 2000. Anoush A. Arakalian Florida Bar No.: 0005126 Division of Legal Services 612 Larson Building Tallahassee, Fl 32399-0333 (850) 413-4116

Docket for Case No: 00-003237PL