... circumstances, if the lender requests early repayment of the loan in full, the customer would not have sufficient liquid assets to repay the loan. To cover the outstanding loan and interest, the lender may exercise its right to effect a surrender of the policy to the detriment of the customer. ii 5. Despite the...

... shall take effect from the date of execution by both the IA and the SFC and shall remain in full force and effect unless and until the parties hereto mutually agree in writing to terminate the whole or any part hereof. 10 DATED this 20th day of December, 2005 SIGNED FOR AND ON BEHALF OF THE ) SECURITIES...

... shall take effect from the date of execution by both the IA and the SFC and shall remain in full force and effect unless and until the parties hereto mutually agree in writing to terminate the whole or any part hereof. 10 DATED this 20th day of December, 2005 SIGNED FOR AND ON BEHALF OF THE ) SECURITIES...

... to, but distinct from, the issue of agency relationship. Where a certain act done by A purportedly on behalf of B will be binding on B, A is said to have B’s authority to do it; but that does not necessarily mean that there is an agency relationship, or a full agency relationship, between them, which...