contract made expressly (addressed, for the purpose) for the benefit of a third person, may be enforced by him at any time before the parties thereto rescind it.” “The question of whether a third party is a done, creditor, or incidental beneficiary is a question of construction and the intent must be gathered from reading the contract as a whole under the light of the circumstances under which it was entered. The test is whether an intent to benefit the third party appeared from the terms of contract.”…
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