Joyce contracted with Mega Drug Corporation to buy vitamins on behalf of Howard, a personal trainer. Howard told Joyce to use her own name and not to disclose to Mega that she was working for Howard. If Joyce signs the contract in her own name only and Howard won't honorit: Howard has no liability to anyone, since his name was never disclosed. Joyce can't be sued because she's only an agent Joyce is liable but may sue Howard based on failure of loyalty Joyce is liable but may sue Howard based on indemnification.