REGARDS TO A TRADITIONAL LIFE POLICY SALE IN 1986, CLIENT STATES "I WAS TOLD BY GEDDY WOLF I COULD HAVE A 15000 POLICY WITH NO COST TO ME BECAUSE DIVIDENDS WOULD PAY FOR IT (CONTINUED SEE U-5 ATTACHED)

$19,411.89

PRUDENTIAL TO PAY POLICY WITH DIVIDENDS ACCUMULATIONS, IF INSUFFICIENT PRUDENTIAL WILL PAY BALANCE OF COST WITHOUT INSURED TO HAVE ANY COST. PRU STATES ESTIMATED COST 19,411.89. THIS WAS A TRADITIONAL WHOLE LIFE POLICY. CHRISTINE HAD NO CONCERN WITH CONTRACT WHILE I WAS ASSOCIATED WITH PRUDENTIAL. AGEN TIM HAMILTON TOOK OVER HER RECORDS AT MY REQUEST. HE HAD NO COMPLAINT FROM CHRISTINE'S NEW AGENT FOR PRU TALKED HER INTO WRITING COMPLAINT WHICH IN MY OPINION WOULD NO BEEN TO CHRISTINE BENEFIT. PRU ALSO STATES COST ESTIMATED AT 19411.89 WITH NO INCREASE INDIVIDEND PAYMENTS I CALCULATE MAY COST AT 9411.60. I HAVE ALSO ADKED PRU HOW SUCH AMOUNT WAS DETERMINED WITH NO RESPONSE FROM PRU. 16 PAGES ATTACHED.

DO NOT KNOW, I HAVE NO CLILENT FILES FOR CUSTOMER. SEE 9 BELOW.

$10,320.00

UNKNOWN I HAVE NO CLIENT FILES FOR CUSTOMER. I SPOKE WITH PRUCO SECURITIES ON 10-29-96 & WA S TOLD I WOULD NOT RECEIVE A-Y INFORMATION AS IT RELATES TO COMPLAINT. THIS IS OUTLINED IN MY 10-29-96 LETTER (ATTACHED) TO FORTIS & NASD. OTHER LETTERS WERE MAILED 12-31-96 (ATTACHED) 3-19-97 ATTACHED 2 LETTERS FORTIS NASDR. I HAVE NO COOPERATION FROM PRUCO. 7 PAGES ATTACHED.

REGARDING PRUCHASE OF VARIABLE APPRECIABLE LIFE IN 1987 & TRADITIONAL LIFE POLICY 1958 CLIENT ALLEGES "HE PRESENTED THIS TO US IN A WAY THAT WER WOULD USE THE MONEY & HAVE THESE POLICIES PAY FOR THEMSELVES AFTER A WHILE. WE STARTED TO GET PREMIUM AND TOLD FLATLY "WE SHOULD IGNORE THESE NOTICES." WE ARE NOW WITH 2 LOANS.

$57,000.00

SURING INVESTIGATION PRU DETERMINED STAFF REPLACEMENT REGULATION WERE UNCLEAR - THUS PRU AGREES TO ADJUST PORICE ON BOTH VAL & WHOLE LIFE POLICIES VAL FOR 9 YEARS & UNTIL DIVIDENDS WOULD EQUAL COST OF PREMIUMS. LOANS CANCELLED COST TO COMPANY APPROXIMATED 57,000. I WAS BORN IN 1956 & HAD NO INVOLVEMENT IN 1955 CONTACT. VAL CONTACT WAS PURCHASED IN 1988 & THERE WERE NO PROBLEMS WITH THIS CONTRACT. WHEN PREMIUM NOTICE BECAME DUE - PAT FREITAG WOULD PAY PREMIUMS. I WOULD PICK THESE PREMIUMS UP AT FRUITAG HOME PLUS PAT FREITAG PLACE OF WORK. PRU SAYS THE DID AN INVESTIGATION. I WAS NEVER CONTACTED BY ANYONE FROM PRU. I HAVE ASKED FOR DOCUMENTATION FROM PUR AND HAVE ONLY RECEIVED THE U-5. PRU SAYS COST AROUND 57,000, TRADITIONAL POLICY DIVIDENDS ALREADY ESCEED PREMIUM CASH IN VAL CONTRACT SHOWS A SURPLUS AFTER PREMIUM FOR 8 YRS. 10 PAGES ATTACHED.

REGARDING THE PURCHASE OF A TRADITIONAL LIFE POLICY 1986 THE CLIENT ALLEGES THE WAY HE PRESENTED IT TO US WER COULD GET 25,000 WITHOUT ANY COST TO US. WE WULD TAKE DIVADENDS & PAY UP INSURANCE FROM MY HUSBANDS POLICY TO PAY FIRST 5 PREMIUMS. AFTER 5 YRS MY POLICY WOULD HAVE ENOUGH DIVADENDS TO PAY ANY R->ANY R PREMIUMS, THEREFORE OUR MONEY WOULD BE WORKIHNG FOR US AND NOW FIND OUT NOT TRUE.

PRUDENTIAL REDUCED FACE AMOUNT FROM 35000 TO 25000, CHARGED PAYMENT MADE TO MONTHLY, CHARGES DIVIDENDS ON CONTRACT TO REDUCE ANY LOANS OUTSTANDING. NO COST TO COMPANY. TRADITIONAL WHOLE LIFE POLICY SOLD IN 1986. THERE WERE NO CONCERNS WHILE I WAS ASSOCIATED WITH PRU AS WITH FEUDANCE PRUDENTIAL CAME OUT AHEAD. I HAVE ASKED FOR INFORMATION FROM PRUDENTIAL IN REGARDS TO THIS COMPLAINT & HAVE RECIEVED NOTHING EXCEPT U-5. 12 PAGES ATTACHED.

REGARDING A TRADITIONAL LIFE INS POLICY IN 1990 CLIENT ALLEGES ASSURED ME OF TAKING MONEY FROM EXISTING POLICY [POLICY #] THAT I WOULD NEVER HAVE TP PAY MONEY TO MAINTAIN BOTH POLICIES. I HAVE BEEN INFORMED THAT THIS IS NOT THE CASE & MONEY WOULD BE NEEDED TO MAINTAIN POLICIES. I FEEL MISREPRESENTED BY GERDY WOLF.

$12,054.79

THE COMPANY CANCELLED NEW POLICY & RESTORED VALUES TO OLDER POLICY. (12.054.79) THIS WAS A TRADITIONAL LIFE SALE MADE IN 1990. CUSTOMER WISHED TO INCREASE HIS LIFE COVERAGE AS CHEAPLY AS POSSIBLE. HE AGREED THAT 40,000 OF NEW COVERAGE WOULD BE IDEAL USING VALUE IF SEVERAL DIFFERENT POLICIES WOULD CONTINUE USING DIVIDENDS & LOANS AS LOANS AS POSSIBLE THEREAFTER HE WOULD PAY COST IF NEEDED IN JUNE 1995 DATE OR COMPLAINT INTIATION NED STILL COULD LEVERAGE COVERAGE. AS WITH SEVERANCE, CUSTOMER CAME UP SHORT & PRU GAINED. I HAVE ASKED FOR ALL MATTERS TO REGARDS TO THE COMPLAINT FROM PRU - ONLY U-5 PROVIDED. 13 PAGES ATTACHED

WITH REGARD TO TRADITIONAL LIFE SALE, OHIO REPALCEMENT FORMS WERE NOT SUBMITTED TO COMPANY AS REQUIRED.

$81,248.28

TOTAL OF 81,248.48 WAS RETURNED TO CLIENT. THIS WAS A TRADITIONAL LIFE SALE WITH TOTAL DEPOSIT OF PREMIUMS AROUND 62,560. I RECIEVED A NOTICE ON 12/13/94 OF A 1035 EXCHANGE FOR ITT. THE 81,248 IP 8C ABOVE WAS CONTRACT VALUE WITHOUT SURRENDER CHARGED AROUND 5/95. PRUDENTIAL AS A COMPANY OF LOCAL MANAGER KEPT THIS EXCHANGE FROM BEING COMPLETED IN A TIMELY FASHION. OHIO REPLACEMENT FORMS WERE FORWARDED TO PRUDENTIAL STATED UNDERWRITING NUMEROUS (GROUNDS, WRIGHT, ARNATS, SNYDER) ARE PEOPLE SPOKE WITH CUSTOMER, SHE NEVER HAD ANY CONCERNS ABOUT THIS CONTRACT. 7 PAGES ATTACHED