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Please note: Submission of an application does not grant any rights to the individual/entity submitting said application to act as an agent of Cumberland Mutual or its member companies, or to act in any role on behalf of Cumberland Mutual or its member companies. Appointment as agent for Cumberland Mutual or its member companies may occur after submission of the application and any and all other information requested. Appointment shall be granted only in the sole and absolute discretion of Cumberland Mutual or its member companies and submission of the application does not create any contractual agreements between Cumberland Mutual or its member companies and the individual/entity submitting said application.