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7/23/2019 UWBK 5-18-2012 FDICS CROSS MOTION FOR SUMMARY JUDGEMENT
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7/23/2019 UWBK 5-18-2012 FDICS CROSS MOTION FOR SUMMARY JUDGEMENT
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7/23/2019 UWBK 5-18-2012 FDICS CROSS MOTION FOR SUMMARY JUDGEMENT
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7/23/2019 UWBK 5-18-2012 FDICS CROSS MOTION FOR SUMMARY JUDGEMENT
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7/23/2019 UWBK 5-18-2012 FDICS CROSS MOTION FOR SUMMARY JUDGEMENT
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H+=g =>3"
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4
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09
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00
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07
Efay`kt ,CWE$ ! `eefskwdkn hf} 78# fh wlc M`kou gcyfudwu+ Wlc `afskw fh gcyfudwu dk wlc
M`ko `ww}dmswcg wf CWE l`g `bafuw gfsmbcg mcw~cck =99> `kg wlc ckg fh =994+ Dg+ 70+
Wlc c|`adkc}u efkebsgcg wl`w wlc M`kou efamdk`wdfk fh dke}c`udkn bfuucu" g~dkgbdkn
e`ydw`b" `kg efkwdksdkn efkeckw}`wdfk dk dkuwdwswdfk`b gcyfudwu ~`u yswwdkn S^M `w }duo fh h`dbs}c+
Fk Hcm}s`}t 00" =909" wlc M`ko ~`u dkhf}acg wl`w dw ~`u gf~kn}`gcg wf ` efayfudwc E@ACBU
7 }`wdkn" wlc kc|w!wf!bf~cuw bcxcb" ac`kdkn wl`w _hQ`dbs}c du ` gduwdkew yfuudmdbdwt dh wlc
y}fmbcau `kg ~c`okcuucu `}c kfw u wduh`ewf}dbt `gg}cuucg `kg }cufbxcg+05 FEE UFH 78
,cayl`udu `ggcg$+ FWU }cyc`wcg wlc }cecdxc}uldy ~`}kdkn wf wlc M`ko w~f afkwlu b`wc}" ~lck dw
~}fwc wf wlc M`ko" ~`}kdkn wl`w wlc M`kou efkeckw}`wdfk dk dkuwdwswdfk`b gcyfudwu ysw wlc m`ko `w
}duo fh bdpsdgdwt h dbs}c ulfsbg fkc f} af}c fh dwu dkuwdwswdfk`b gcyfudwf}u gcy`}w+ FEE UFH 07"
7>+
Gcuydwc }cyc`wcg `gafkdwdfku wf }`duc e`ydw`b `kg }cgsec dwu bcxcb fh eb`uudhdcg `uucwu"
wl}fsnlfsw =909 wlc M`kou bcxcb fh e`ydw`b efkwdkscg wf g~dkgbc `kg dwu bcxcb fh eb`uudhdcg `uucwu
efkwdkscg wf dke}c`uc+ Wlc M`ko }cyf}wcg kcn`wdxc c`}kdknu dk =909 ~dwl dwu bfuucu c|eccgdkn
'
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25/87
03
4+9=# `u fh wl`w g`wc ac`kw wl`w wlc M`ko ~`u kf~ efkudgc}cg fkbt `gcps`wcbt e`ydw`bdzcg+ Dg+
39+
Wlc M`kou gcebdkc wf `gcps`wcbt e`ydw`bdzcg uw`wsu `kg dwu efkwdksdkn dk`mdbdwt wf }`duc
dwu e`ydw`b bcxcbu ys}us`kw wf wlc gd}cewdxcu efkw`dkcg dk wlc =994 C|`adk`wdfk `kg =994 AFS
ac`kw wl`w ` hf}a`b ckhf}ecackw `ewdfk ~`u kcecuu`}t+ Fk Jskc =3" =909" wlc M`ko efkuckwcg wf
wlc duus`kec fh ` hf}a`b Ec`uc `kg Gcuduw F}gc} ,E(G F}gc} f} Efkuckw F}gc}$" wlc afuw
ucxc}c ckhf}ecackw `ewdfk wl`w wlc FWU efsbg w oc `n`dkuw S^M+ FEE UFH 33!3
7/23/2019 UWBK 5-18-2012 FDICS CROSS MOTION FOR SUMMARY JUDGEMENT
26/87
08
Y`}`n}`yl =4 y}cxckwcg wlc M`ko h}fa ckwc}dkn dkwf" }ckc~dkn" c|wckgdkn" f}}cxdudkn `kt `}}`kncackw hf} efaycku`wdfk f} mckchdwu hf} `kt Uckdf} C|ceswdxcFhhdec} f} gd}cewf} fh wlc M`ko ~dwlfsw y}df} FWU `yy}fx`b+
FEE UFH 30 ,Ucywcamc} 08" =909 y}faduc fh ` '=99 wf '=39 adbbdfke`ydw`b }`duc kfw b`wc} wl`k Ucywcamc} =>" =909$+
E`uc 0:00!ex!9979
7/23/2019 UWBK 5-18-2012 FDICS CROSS MOTION FOR SUMMARY JUDGEMENT
27/87
0>
Fewfmc} = FEE UFH 80+
Af}c dayf}w`kw h}fa wlc yc}uycewdxc fh ~lcwlc} wlc FWU efsbg `yy}fxc wlc yb`k ~c}c wlc
Dkxcuwackw @n}ccackwu fwlc} efkwdknckedcu: efkgdwdfku y}cecgckw wf wlc efkusaa`wdfk fh wlc
}ce`ydw`bdz`wdfk wl`w ldkncg fk wlc `ncketu ~dbbdknkcuu wf ~`dxc ` ksamc} fh wlc dayf}w`kw
u`hcwt `kg ufskgkcuu y}fxdudfku efkw`dkcg dk wlc Ec`uc `kg Gcuduw F}gc} wl`w l`g mcck duuscg
jsuw hfs} afkwlu mchf}c+ Dk f}gc} hf} wlc Dkxcuwackw @n}ccackw wf mc efkusaa`wcg" dw ~fsbg mc
kcecuu`}t hf} wlc FWU wf ~`dxc y`}`n}`ylu 5" 04" =8" =>" `kg =4 fh wlc E(G F}gc}+0< FEE UFH
8=+ Dk `ggdwdfk" wlc }cpsd}cg FWU ~`dxc} fh wlc `uucw n}f~wl }cuw}dewdfku efkw`dkcg dk =8 fh wlc
08 @ y}fxdudfk fh wlc Dkxcuwackw @n}ccackw y}fldmdwcg wlc M`ko h}fa uccodkn fwlc} e`ydw`b}`dudkn fyyf}wskdwdcu" bfeodkn S^M dk `kg a`odkn wlc Fewfmc} ==!> y}cxckwcg wlc M`ko h}fa el`kndkn dwu gd}cewf}u f} uckdf}a`k`nc}u ~dwlfsw y}df} kfwdhde`wdfk wf FWU" `kg =4 y}cxckwcg wlc M`ko h}fa ckwc}dkn dkwf `ktkc~ f} el`kndkn `kt fbg efaycku`wdfk `}}`kncackwu hf} uckdf} c|ceswdxcu f} gd}cewf}u ~dwlfswy}df} FWU yy}fx`b+ FEE UFH 3
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28/87
03#" h}fa '= mdbbdfk wf '5+3 mdbbdfk+ FEE UFH 85" 40+
Hdk`bbt" wlc Dkxcuwackw @n}ccackw dkebsgcg `kfwlc} efkgdwdfk y}cecgckw: ` }cpsd}cackw
wl`w wlc FWU" wlc HGDE" `kg wlc Hdk`ked`b Dkgsuw}t ]cnsb`wf}t @swlf}dwt ,HDK]@$ `yy}fxc wlc
M`kou ys}el`uc fh `m}foc}`nc hd}a" Bcnckw Ebc`}dkn" BBE ,Bcnckw$" `kg dwu `ggdwdfk wf wlc
M`ko `u `k fyc}`wdkn usmudgd`}t+04 ]cnsb`wf}t `yy}fx`b hf} wldu `epsdudwdfk ~`u kcecuu`}t
ys}us`kw wf 0= S+U+E 0
7/23/2019 UWBK 5-18-2012 FDICS CROSS MOTION FOR SUMMARY JUDGEMENT
29/87
04
fswbdkcg wlc x`}dfsu efkecuudfku `kg `yy}fx`bu wl`w dw }cpsd}cg h}fa wlc FWU `kg wlc fwlc}
}cnsb`wf}u dh wlc M`ko ~`u wf u`wduht wlc efkgdwdfku y}cecgckw dayfucg mt wlc @kelf} Dkxcuwf}u dk
wlc Dkxcuwackw @n}ccackw+ Wlc M`ko `buf fswbdkcg wlc afgdhde`wdfku wf wlc Ec`uc `kg Gcuduw
F}gc} wl`w ~c}c kcecuu`}t dk f}gc} wf fmw`dk wlc dkxcuwackw" ~ldel dkebsgcg: ,0$ ` ~`dxc} fh wlc
F}gc}u }cpsd}cackw wl`w wlc M`ko accw `kg a`dkw`dk u`hc e`ydw`b }`wdfu fh 0=# `kg + Bdoc `bb wlc M`kou fwlc} y}faducu fh u~dhw }ce`ydw`bdz`wdfk" wlduefaadwackw ~`u kfw acw+
E`uc 0:00!ex!9979 fh 7
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30/87
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=0
`yy}ced`mbt dke}c`udkn wlc }duou wf ~ldel wlc m`ko du c|yfucg+ 0= S+U+E+ 0
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==
Fk Gcecamc} ==" =909" `u AUEU `kg EYD ~c}c ~dwlg}`~dkn wlcd} gcyfudwu" S^M
`yy}f`elcg `kfwlc} b`}nc dkuwdwswdfk`b gcyfudwf}" Bdkefbk W}suw Efay`kt ,BWE$" `kg `uocg dw
kfw wf ~dwlg}`~ dwu hskgu+ Wlc M`ko y}fes}cg ` ulf}w!wc}a hf}mc`}`kec h}fa BWE" ~ldel
ybcgncg wf lfbg fhh fk ~dwlg}`~dkn dwu hskgu fk gcyfudw skwdb J`ks`}t 50" =900" usmjcew wf wlc
uycedhde efkgdwdfk wl`w wlc M`ko ~fsbg }cws}k wf ~cbb e`ydw`bdzcg uw`wsu `u fh wl`w g`wc+ BWE
`buf }cuc}xcg dwu }dnlw wf ~dwlg}`~ dwu hskgu uffkc} dh wlc M`kou e`ydw`b yfudwdfk ~f}uckcg+ FEE
UFH
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33/87
=5
dkuwdwswdfk l`u `k c|w}cacbt ldnl ulf}w!wc}a y}fm`mdbdwt fh h`dbs}c dk wlc kc`} wc}a" `kg wl`w `k
daacgd`wc dkhsudfk fh e`ydw`b du }cpsd}cg+J`acu A`gdufk"
7/23/2019 UWBK 5-18-2012 FDICS CROSS MOTION FOR SUMMARY JUDGEMENT
34/87
=7
fwlc}u" `kg wlc h`dbs}c wf efkusaa`wc `kt uwcy ~dbb `gxc}ucbt day`ew wlc ]ce`ydw`bdz`wdfk
W}`ku`ewdfk+Dg+ 8> k+=5+
Fk wlc u`ac g`wc `u FWU gckdcg wlc `yybde`wdfk wf ys}el`uc Bcnckw" wlc FWUu ]cndfk`b
Gd}cewf} gckdcg wlc M`kou e`ydw`b }cuwf}`wdfk yb`k+ Dg+ 44!09=+ ^ldbc wlc gckd`b fh wlc E]Y
~`u y}caducg fk ` ksamc} fh n}fskgu" wlc afuw u`bdckw yfdkwu hf} wlc gckd`b `}c=3:
Wlc E]Y ~`u y}caducg fk wlc Fewfmc} =
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35/87
=3
J`ks`}t 04" =900+=8 FEE UFH 095!094+ Wlc =4!y`nc acaf}`kgsa" ~dwl 099 c|ldmdwu"
fswbdkcg dk uycedhde gcw`db wlc usyc}xduf}t lduwf}t `kg efkgdwdfk fh wlc M`ko+ Wlc U!Acaf ~`u
ckgf}ucg mt wlc Gcyswt Gd}cewf} wlc kc|w g`t+=> Dg+ 095+
Fk J`ks`}t =9" =900" wlc @ewdkn Eldch Efskucb hf} wlc FWU udnkcg wlc B!Acaf"
fydkdkn wf wlc @ewdkn Gd}cewf} wl`w" `u ` a`wwc} fh b`~" wl}cc ucy`}`wc n}fskgu hf} }cecdxc}uldy
c|duwcg+ Dg+ 009!005+
Fk H}dg`t" J`ks`}t =0" =900" mcdkn hsbbt `gxducg mt ldu uw`hh" wlc @ewdkn Gd}cewf}
gcwc}adkcg wl`w dk ldu fydkdfk wlc}c ~c}c wl}cc ucy`}`wc bcn`b n}fskgu wf yb`ec wlc M`ko dkwf
}cecdxc}uldy+
=4 `w >+=< L`xdkn }cecdxcg kfwdec wl`w ` }cecdxc}uldy ~`u daadkckw" fk J`ks`}t =0" =900" wlc M`ko`wwcaywcg wf hf}cuw`bb wlc `yyfdkwackw mt usmadwwdkn wf FWU ` ksamc} fh kfk!mdkgdknc|y}cuudfku fh dkwc}cuw h}fa dkxcuwf}u ~lf adnlw mc dkwc}cuwcg dk wlc M`ko+ Fkc fh wlcucc|y}cuudfku ~`u h}fa `k `bbcncg E`ta`k Dub`kgu lcgnc hskg fyc}`wdkn fsw fh ` yfuw fhhdec mf|+FEE UFH >>!>
7/23/2019 UWBK 5-18-2012 FDICS CROSS MOTION FOR SUMMARY JUDGEMENT
36/87
=8
DD+ WLC @GADKDUW]@WDXC ]CEF]G USYYF]WU WLC @EWDKN GD]CEWF]U
GCWC]ADK@WDFK ^DWL ]CUYCEW WF C@EL FH WLC WL]CC N]FSKGU
HF] ]CECDXC]ULDY
Wlc ufbc pscuwdfk mchf}c wlc Efs}w du ~lcwlc} wlc @gadkduw}`wdxc ]cef}g usyyf}wu wlc
efkebsudfk wl`w wlc @ewdkn Gd}cewf} l`g ` }`wdfk`b m`udu wf c|c}educ ldu uw`wswf}t gdue}cwdfk wf
`yyfdkw ` }cecdxc} hf} Skdwcg ^cuwc}k M`ko+ J`acu A`gdufk" + @u ucw hf}wl dk wlc
@gadkduw}`wdxc ]cef}g" dkuwdwswdfk`b gcyfudwf}u" dkebsgdkn AUEU `kg EYD" l`g `b}c`gt mcnsk wf
ysbb wlcd} gcyfudwu fsw fh wlc M`ko dk Gcecamc} =909+ FEE UFH
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=>
cuwda`wc fh dwu wfw`b bdpsdgdwt `w wlc wdac fh }cecdxc}uldy ~`u `yy}f|da`wcbt '708 adbbdfk+=4Dg+
adbbdfk+ Dg+ + @u c|yb`dkcg `mfxc" wf mc `yy}fxcg skgc} wlc uw`wswc
` E]Y asuw mc m`ucg fk }c`bduwde `uusaywdfku `kg asuw mc bdocbt wf useeccg dk }cuwf}dkn wlc
dkuwdwswdfku e`ydw`b+ 0= S+U+E+ 0
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=9 yc}eckw
fh dwu gcyfudwu" wlc ucefkg b`}ncuw fh wlfuc gcyfudwf}u ~`u dk wlc y}fecuu fh ~dwlg}`~dkn dwu hskgu"
`kg wlc b`}ncuw `kg hfs}wl b`}ncuw fh wlfuc gcyfudwf}u l`g wlc `mdbdwt wf ~dwlg}`~ wlcd} hskgu
psdeobt `kg l`g }c`ufk wf gf uf+ @] =!>+ @u gduesuucg `mfxc" wlc @gadkduw}`wdxc ]cef}g `aybt
usyyf}wu usel ` hdkgdknwlc M`ko l`g mcck sky}fhdw`mbc hf} `bafuw w~f tc`}u" dwu e`ydw`b l`g
c}fgcg" wlc}c ~`u kf e}cgdmbc }ce`ydw`bdz`wdfk yb`k fk wlc lf}dzfk" `kg wlc dkuwdwswdfk ~`u h`edkn
` gcx`uw`wdkn bdpsdgdwt h`dbs}c+
DDD+ YB@DKWDHHU AFWDFK HF] USAA@]T JSGNACKW ULFSBG MC GCKDCG
Dk el`bbckndkn wlc @ewdkn Gd}cewf}u gcedudfk wf `yyfdkw ` }cecdxc} hf} S^M" wlc Yb`dkwdhh
wckgc}u wl}cc `}nsackwu+ Hd}uw" dw efkwckgu wl`w wlc e`ydw`b }cuwf}`wdfk yb`k usmadwwcg mt S^M" `
yb`k y}caducg fk" dkwc} bd`" wlc FWU ~`dxdkn wlc }cpsd}cackw wl`w wlc m`ko accw `kg a`dkw`dk
59 Yb`dkwdhh `wwcaywu wf `}nsc wl`w wlc FWU `yybdcg wlc ~}fkn uw`kg`}g ~lck dw efkebsgcgwl`w S^M ~`u dk `k sku`hc `kg skufskg efkgdwdfk+ Ybu Aca+ `w 54+ @bb Yb`dkwdhhu edwcg e`ucudkxfbxc el`bbckncu wf m`kodkn ckhf}ecackw `ewdfku skgc} 0= S+U+E+ 0
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41/87
50
u`hc bcxcbu fh e`ydw`b" ulfsbg l`xc mcck `eecyw`mbc wf wlc FWU kfw~dwluw`kgdkn wlc `ncketu
fmjcewdfku+ Ucefkg dw `}nscu wl`w wlc FWU da`ndkcg wlc m`kou bdpsdgdwt y}fmbcau" gcuydwc wlc
efkw}`}t cxdgckec efkw`dkcg dk wlc @gadkduw}`wdxc ]cef}g+ Wld}g" dw gdu`n}ccu ~dwl wlc FWUu
`uucuuackw wl`w wlc m`ko ~`u dk `k sku`hc `kgskufskg efkgdwdfk" gcuydwc wlc h`ewu wl`w wlc
M`kou e`ydw`b bcxcbu efkwdkscg wf gcebdkc" dwu bfuucu efkwdkscg wf afskw" `kg wlc gcyfudw
uw}sews}c ysw dk yb`ec mt M`ko a`k`ncackw bchw dw c|yfucg wf ` gcyfudwf} }sk `u efkgdwdfku
gcwc}df}`wcg+ Kfkc fh wlc Yb`dkwdhhu `}nsackwu l`u ac}dw+
@+ Wlc FWU Gdg Kfw @}mdw}`}dbt `kg E`y}dedfsubt Gckt S^Mu E]YY`}udkn wl}fsnl wlc }lcwf}de" Yb`dkwdhh `}nscu wl`w FWU `}mdw}`}dbt `kg e`y}dedfsubt gckdcg
wlc M`kou E]Y hf} w~f }c`ufku+ Hd}uw" dw `}nscu wl`w wlc FWU sk}c`ufk`mbt gca`kgcg wl`w wlc
M`ko y}fgsec ` yb`k ~dwldk ucxck g`tu+ Yb+u Aca+ `w =8+ Ucefkg" dw `}nscu wl`w wlc }c`ufku
wckgc}cg mt wlc FWU hf} wlc }cjcewdfk fh wlc E]Y gf kfw y`uu asuwc}+Dg+ `w =4+ Kcdwlc}
efkwckwdfk du ef}}cew+
0+ YE@ Gfcu Kfw N}`kw ` M`ko Hf}wt Hdxc G`tu wf Usmadw ` E]Y@u ` wl}culfbg duusc" Yb`dkwdhh `}nscu wl`w wlc M`ko ~`u kfw `bbf~cg ` }c`ufk`mbc wdac
wf usmadw dwu E]Y" `kg wl`w ` }c`ufk`mbc wdac wf usmadw ` E]Y ys}us`kw wf YE@ du nckc}`bbt 73
g`tu+ Wldu du udaybt dkef}}cew+ @u ucw hf}wl dk wlc uw`wswc" `k dkuwdwswdfk du kfw n}`kwcg 73 g`tu
skgc} wlc uw`wswc" msw }`wlc} ` yb`k asuw mc hdbcg kfw b`wc} wl`k 73 g`tu `hwc} wlc dkuwdwswdfk
mcefacu skgc}e`ydw`bdzcg+ 0= S+U+E+ 0
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5=
y}faywcg wlc FWU wf a`kg`wc wlc M`ko usmadw dwu E]Y mt Gcecamc} =9" =909+50 FEE UFH
49+
Af}cfxc}" wlc Efs}w ulfsbg efkebsgc wl`w wlc }cpsd}cackw wf hdbc ` E]Y dk ucxck g`tu
y}cuckwcg kf kfxcb f} skh`d} ms}gck hf} S^M+ Wlc M`ko l`g mcck ~f}odkn fk dwu
}ce`ydw`bdz`wdfk udkec `w bc`uw Jskc =909 `kg chhf}wu wf hdkg `ggdwdfk`b dkxcuwf}u l`g mcck
fknfdkn+ Dkgccg" wlc m`udu hf} wlcd} yb`k ,h}fa wlc M`kou yc}uycewdxc$ ~`u dk yb`ec fk Fewfmc}
=$"
ec}w+ gckdcg" 33= S+U+ 009< ,044
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43/87
55
` afkwl" ndxdkn wlc M`ko af}c wl`k ushhdedckw wdac wf a`oc `kt `ggdwdfk`b `}nsackwu f} usmadw
`kt `ggdwdfk`b cxdgckec dw adnlw l`xc ~dulcg wf y}fxdgc wlc `ncket+ Dg+
=+ Wlc FWUu ]cjcewdfk fh wlc Yb`k ^`u @yy}fy}d`wc@u gduesuucg y}cxdfsubt" wlc FWUu gcedudfk wf sbwda`wcbt }cjcew wlc M`kou E]Y ~`u
l`}gbt `}mdw}`}t `kg e`y}dedfsu+ Wlc FWUu gcedudfk ~`u hsbbt `}wdesb`wcg fk wlc }cef}g" `kg
m`eocg sy mt h`ewu+
@u wlc Efs}w l`u y}cxdfsubt fmuc}xcg" }cxdc~dkn efs}wu ulfsbg ndxc gchc}ckec wf
}cnsb`wf}t gcwc}adk`wdfku mt m`kodkn `nckedcu ~lc}c" `u du wlc e`uc lc}c" wlc `ncket du e`bbcg
syfk wf suc dwu wcelkde`b c|yc}wduc wf a`oc ` jsgnackw f} y}cgdewdfk `mfsw `k dkuwdwswdfku
y}fuycewu `kg hsws}c yc}hf}a`kec:
@bwlfsnl wlc efs}wu `}c mt kf ac`ku ` }smmc} uw`ay hf} `ncket `ewdfku" wlc}c `}cy`}wdesb`} udws`wdfku dk ~ldel wlc efs}w ulfsbg ndxc ec}w`dk gchc}ckec wf `k`ncketu gcedudfk mce`suc fh wlc efs}wu b`eo fh okf~bcgnc `kg c|yc}wduc+Gchc}ckec du y`}wdesb`}bt `yy}fy}d`wc ~lc}c wlc pscuwdfk fh dkwc}y}cw`wdfk du `wcelkde`b fkc+ K`wdfk`b Hscb N`u Usyybt Ef}y+ x+ Hcgc}`b Ckc}nt ]cnsb wf}tEfaaduudfk" =3< S+U+ @yy+ G+E+ 5>7" 0 S+U+ @yy+ G+E+
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44/87
57
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45/87
53
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46/87
58
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48/87
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50/87
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51/87
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52/87
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5
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7
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3
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8
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=3+ Dk Ucywcamc} =994 wlc Lfbgdkn Efay`kt efaybcwcg ` e`ydw`b }`duc fh '
adbbdfk" duusdkn kc~ uwfeo wl}fsnl wlc K@UG@P e`ydw`b a`}ocw+ '80+= adbbdfk fh wldu `afskw
~`u gf~kuw}c`acg wf wlc M`ko `u e`ydw`b+ @] 077!73" =557+
=8+ Lf~cxc}" mce`suc fh wlc efkwdksdkn bfuucu `w wlc M`ko" `bb wlcuc e`ydw`b
efkw}dmswdfku ~c}c psdeobt fxc}~lcbacg? mt wlc ckg fh =994 wlc M`ko l`g mcck sk`mbc wf }`duc
dwu Wfw`b ]duo!M`ucg `kg Wdc} 0 ,Ef}c$ e`ydw`b }`wdfu wf wlc u`hc 0=# `kg + @u kfwcg" dk wlc =994 C|`adk`wdfk ]cyf}w" ~ldel ~`u duuscg jsuw `u wlc M`kou
e`ue`gc fh bfuucu mcn`k" wlc Wfw`b ]duo!M`ucg `kg Wdc} 0 ,Ef}c$ e`ydw`b }`wdfu hf} wlc M`ko ~c}c
09+73#" `kg 4+89# }cuycewdxcbt" `u fh A`}el 50" =994+ @] 07=+ Wlc =994 C|`adk`wdfk ~`u
a`dbcg wf wlc M`ko fk @snsuw 7" =994+ @] 059+
=# `kg 4+9>#" }cuycewdxcbt+ @] =7>7
=4+ Hf} wlc ps`}wc} ckgdkn Ucywcamc} 59" =994" dk wlc ~`oc fh wlc e`ydw`b dkjcewdfku
h}fa wlc Lfbgdkn Efay`kt fswbdkcg `mfxc" wlc M`ko }cyf}wcg ubdnlwbt dke}c`ucg Wfw`b ]duo!
M`ucg `kg Wdc} 0 ,Ef}c$ e`ydw`b }`wdfu fh 00+9># `kg 4+
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adbbdfk+ @] =3>!3
7/23/2019 UWBK 5-18-2012 FDICS CROSS MOTION FOR SUMMARY JUDGEMENT
61/87
00
wdac w}ske`wdfk" ~c}c efay`}`mbc dk wl`w dkuw`kec ,'=0+> adbbdfk xc}usu '=0 adbbdfk$" FWU gdg
kfw fmjcew wf wlc M`kou kc~ FWWD hdns}c+ @] =33!=>8+
E`uc 0:00!ex!9979
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62/87
0=
7>+ Wlc M`ko ~`u kfwdhdcg dk gcw`db fh wlc }cusbwu fh wlc bdadwcg c|`adk`wdfk mt ac`ku
fh ` bcwwc} uckw @y}db =+
Wlc M`ko ~`u uycedhde`bbt s}ncg wf efkudgc} `bb uw}`wcnde `bwc}k`wdxcu `x`db`mbc" dkebsgdkn wlc
yfuudmbc u`bc" ac}nc}" f} ucbh!bdpsdg`wdfk fh Skdwcg ^cuwc}k+ Dg+07
05 Wlc M`kou dkwc}k`b gfesackwu ulf~ wl`w wlc M`ko ~`u `~`}c fh wlcuc FWU hdkgdknu+@] 0574" 053=+ Msw ucc Yb`dkwdhhu Acaf}`kgsa dk Usyyf}w fh dwu Afwdfk hf} Usaa`}tJsgnackw ,Yb+u Aca+$ `w 00" k+0+8+Fk A`t =7" =909" wlc HGDE a`gc usel ` y}cbdadk`}t gcwc}adk`wdfk+ @] 584+ Lf~cxc}" ~ldbcwlc m`ko `kg wlc HGDE l`g c|wckudxc efaaskde`wdfku efkec}kdkn wlc duusc" wlc HGDE gdg kfwhdk`bbt }cufbxc wlc a`wwc} y}df} wf wlc }cecdxc}uldy `yyfdkwackw+ @] 589!
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05
A`t =909: Wlc Lfbgdkn Efay`kt efaadwu wf }ce`ydw`bdzc wlc M`ko kf b`wc} wl`k
Jskc 59" =909
7>4+ @w wlc y}cuckw`wdfk M`kef}y `uus}cg FWU wl`w dw l`g
dgckwdhdcg dkxcuwf}u `kg c|ceswcg kfk!gduebfus}c `n}ccackwu `u y`}w fh ` y}fjcewcg '0=3 adbbdfk
cpsdwt dkxcuwackw+ M`kef}y cuwda`wcg wlc ebfudkn g`wc ~fsbg mc Jskc 59" =909+ @] 0>
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07
3=+ Hf} wlc ps`}wc} ckgdkn Ucywcamc} 59" =909" wlc M`ko }cyf}wcg Wfw`b ]duo!M`ucg
`kg Wdc} 0 ,Ef}c$ e`ydw`b }`wdfu fh >+" 0>84+ Dk wl`w usmaduudfk" wlc M`ko `n`dk
}cyf}wcg dwucbh `u skgc}e`ydw`bdzcg+ Dwu Wfw`b ]duo!M`ucg e`ydw`b }`wdf hcbb wf >+00# fk Kfxcamc}
59" =909+ 0= E+H+]+ 383+7 ,=909$+
37+ Dk dwu E`ydw`b ]cuwf}`wdfk Yb`k usmadwwcg wf wlc FWU fk Gcecamc} =9" =909"
gduesuucg usy}`" wlc M`ko usmadwwcg ` y}fjcewdfk wl`w dwu Wfw`b ]duo!M`ucg e`ydw`b }`wdf ~fsbg
h`bb wf 8+7# `kg dwu Wdc} 0 ,Ef}c$ e`ydw`b }`wdf ~fsbg h`bb wf 3+9#+ @] 0740 ,Gcecamc} 50" =909
y}fjcewdfk$+
Jskc =909: S^M efkuckwu wf duus`kec fh ` Ec uc `kg Gcuduw F}gc}
33+ Fk Jskc =3" =909" wlc M`ko efkuckwcg `kg uwdysb`wcg wf wlc ckw}t fh `k F}gc} wf
Ec`uc `kg Gcuduw ,E(G F}gc}f} Efkuckw F}gc}$+0> @] 335!>7+ Wlc Efkuckw F}gc}
03 Wlc M`kou dkdwd`b Ucywcamc} 59" =909 WH] }cyf}wcg wl`w wlc M`kou Wfw`b ]duo M`ucge`ydw`b }`wdf ~`u `mfxc
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03
}cpsd}cg" dkwc} `bd`" wlc M`ko accw `kg a`dkw`dk ` Wdc} 0 ,Ef}c$ e`ydw`b }`wdf fh `w bc`uw
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08
* Y`}`n}`yl 04 hf}m`gc wlc M`ko h}fa a`odkn `kt af}c efkuw}sewdfk f}
b`kg bf`ku ~dwlfsw y}cxdfsubt fmw`dkdkn FWU `yy}fx`b? @] 389?
* Y`}`n}`yl =8 bdadwcg wlc M`kou n}f~wl fh dwu wfw`b `uucwu gs}dkn `kt
ps`}wc} wf `k `afskw cps`b wf e}cgdwcg kcw dkwc}cuw" ~dwlfsw y}cxdfsubt
fmw`dkdkn FWU `yy}fx`b? @] 38=?
* Y`}`n}`yl => }cpsd}cg wlc M`ko wf kfwdht FWU y}df} wf `kt el`kncu fh
gd}cewf}u f} uckdf} c|ceswdxc fhhdec}u fh wlc M`ko? @] 38=?
* Y`}`n}`yl =4 hf}m`gc wlc M`ko h}fa ckwc}dkn dkwf `kt kc~ f} `bwc}dkn `kt
fbg efkw}`ews`b `}}`kncackw }cb`wdkn wf efaycku`wdfk f} mckchdwu hf} `kt
uckdf} c|ceswdxc fhhdec} fh gd}cewf} fh wlc M`ko ~dwlfsw ndxdkn FWU
`gx`kec kfwdec? @] 38=!85+
Fewfmc}!Kfxcamc} =909: Wlc M`ko y}fyfucu ` efaybc| }ce`ydw`bdz`wdfk yb`k wl`w
dkebsgcu }cbdcxdkn wlc M`ko fh dwu }cuyfkudmdbdwt wf efaybt ~dwl oct }cpsd}cackwu fh wlc
Ec`uc `kg Gcuduw F}gc}
34+ Dk =994" wlc Lfbgdkn Efay`kt ~ckw wf wlc K@UG@P uwfeo a`}ocw wf }`duc
e`ydw`b" duusdkn `yy}f|da`wcbt =9 adbbdfk ul`}cu fh uwfeo `w ` y}dec fh '7 ` ul`}c" ~ldel }cusbwcg
dk `yy}f|da`wcbt '
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0>
80+ @u ` }cusbw fh dwu dk`mdbdwt wf `eecuu wlc ysmbde a`}ocwu" wlc Lfbgdkn Efay`kt `kg
M`ko gcxducg ` efaybc| y}dx`wc!yb`ecackw }ce`ydw`bdz`wdfk yb`k+ Fk Fewfmc} = adbbdfk `kg kf af}c wl`k '09= adbbdfk wf wlc gc`b+ @] 4" `kg =4 fh wlc F}gc} wf Ec`uc `kg Gcuduw mcw~cck wlc Fhhdec fh Wl}dhw Usyc}xdudfk
,FWU$ `kg Skdwcg ^cuwc}k M`ko g`wcg Jskc =3" =909 ul`bb c`el l`xc mcck wc}adk`wcg+
@] 4" k+>+
E`uc 0:00!ex!9979 fh 5>
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0=!>>" wlcuc `ggdwdfk`b dkxcuwf}u kcxc} a`wc}d`bdzcg+
E`uc 0:00!ex!9979
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04
accw!`kg!a`dkw`dk e`ydw`b y}fxdudfku fh wlc E(G F}gc} `kg ~`u skgc}e`ydw`bdzcg+ @] > ,HDK]@ ckhf}ecackw$+ Ucc `buf 48"
dkh}`+
83+ @hwc} wlc Kfxcamc} 0>" =909 m}dchdkn" FWU ufbdedwcg wlc M`ko wf gduesuu dwu
x`}dfsu }cpsd}cackwu dk f}gc} wf gduwdknsdul asuw l`xcu dk wlc Dkxcuwackw @n}ccackw h}fa
kdec wf l`xc y}fxdudfku wl`w efsbg mc `bwc}cg+ @] 00
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=9
}cpsd}cackw wl`w wlc accw `kg a`dkw`dk y}fxdudfk fh wlc Efkuckw F}gc} mc }cuedkgcg+ Ucc" c+n+"
@] 07>8 ,M`kou Gcecamc} =9" =909 }cpscuw hf} ~`dxc} fh wlc accw `kg a`dkw`dk b`kns`nc `u
ucw hf}wl dk wlc Dkxcuwackw @n}ccackw$ 704" 7=09" 7==0 ,usmucpsckw
efaaskde`wdfku h}fa yfuudmbc dkxcuwf}u uw`wdkn wlcd} dkwc}cuw du efkwdknckw fk wlc Dkxcuwackw
@n}ccackwu wc}au$+ Sbwda`wcbt wlc efaaskde`wdfku h}fa wlc Lfbgdkn Efay`kt" wlc M`ko" `kg
dkxcuwf}u" ulf~cg wl`w skbcuu FWU ~`u ~dbbdkn wf `n}cc wf el`knc wlc E(G F}gc} wf yc}adw wlc
M`ko fyc}`wc ~dwl bcuu e`ydw`b wl`k wlc FWU gcwc}adkcg ~`u }cpsd}cg" `bbf~cg wlc M`ko wf m}dkn
Bcnckw dkwf S^M `u `k fyc}`wdkn usmudgd`}t" `kg `bbf~cg wlc M`ko wf ckn`nc dk }`ydg n}f~wl fh
dwu m`b`kec ulccw" wlc}c ~fsbg mc kf }ce`ydw`bdz`wdfk+
=5
Dg+ Wlc M`ko a`dkw`dkcg wldu yfudwdfku
usmucpsckwbt+ Ucc `buf @] 07
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=0
dkwf =900" wlc M`ko }cyc`wcgbt uw`wcg wl`w dw ~`u fk wlc xc}nc fh }`dudkn e`ydw`b dk ` a`wwc} fh
g`tu `kg wlck h`dbcg wf gcbdxc}+
84+ Fk Jskc 09" =909" wlc M`ko ~}fwc wf wlc HGDE uw`wdkn wl`w wlc Lfbgdkn Efay`kt
l`g }cw`dkcg Nfbga`k U`elu ( Efay`kt dk A`}el =909 hf} e`ydw`b }`dudkn ys}yfucu" `kg wl`w dw
c|ycewu wf efkusaa`wc ` e`ydw`b }`dudkn w}`ku`ewdfk dk wlc kc`} hsws}c+ @] 840+ Kf
w}`ku`ewdfk ~`u efkusaa`wcg+
>9+ Fk Jsbt =" =909" wlc M`ko `uus}cg FWU wl`w e`ydw`b ~fsbg mc efaadwwcg mt
@snsuw 4" =909 `kg wl`w w}`ku`ewdfk ~fsbg ebfuc mt Ucywcamc} 09" =909+ @] 894+ Wlc M`ko
gdg kfw hfbbf~ wl}fsnl fk dwu eb`da+
>0+ @hwc} wlc M`ko aduucg dwu Ucywcamc} 09 gc`gbdkc" fk Ucywcamc} 08" =909 wlc
Lfbgdkn Efay`kt }cy}cuckwcg wf wlc FWU wl`w hfs} y`}wdedy`kwu ~fsbg ckwc} dkwf ` '=99 adbbdfk
wf '=39 adbbdfk e`ydw`b }`duc ~dwl wc}a ulccwu c|ycewcg mt Ucywcamc} =>" =909+ @] 0=+ Hdk`bbt" fk Fewfmc} =
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==
>7+ @w `kfwlc} yfdkw dk dwu Kfxcamc} 0>" =909 y}cuckw`wdfk" wlc M`kef}y `uus}cg wlc
FWU `kg wlc HGDE wl`w dw ~`u }c`gt wf dkjcew_Q dkwf wlc M`ko '>+ Tcw `n`dk" wlc M`kou h`dbcg wf gcbdxc}+
>8+ Fk Gcecamc} =4" =909" wlc M`ko wfbg wlc FWU wl`w `k ckwdwt e`bbcg Fbtaysu
Y`}wkc}u~`u wf a`oc ` hd}a dkxcuwackw efaadwackw fh '78+< adbbdfk ~dwldk fkc ~cco+ @]
=8" k+7" 0>74+ Wldu kcxc} fees}}cg+ Wlc M`ko b`wc} eb`dacg Fbtaysu l`u efaadwwcg wf
`yy}f|da`wcbt '39 adbbdfk dkxcuwackw ,ude$ dk wlc M`ko `kg wl`w wlc ckwdwt ~`u hdk`bdzdkn `
bcwwc} fh dkwckw+ @] 704=+ Bdoc uf a`kt y}cxdfsu }cy}cuckw`wdfku h}fa wlc M`ko" wldu ws}kcg fsw
wf mc h buc+ Kfwldkn h}fa Fbtaysu ~`u cxc} y}fxdgcg wf FWU+ @] =8" k+7+
>>+ @hwc} `bb wlc y}cxdfsu gc`gbdkcu dgckwdhdcg mt wlc M`ko hf} efaybcwdfk fh ` e`ydw`b
dkjcewdfk l`g efac `kg y`uucg ~dwlfsw }cusbw" fk J`ks`}t =0" =900" wlc g`wc fh wlc }cecdxc}uldy"
wlc M`ko y}fgsecg ` ksamc} fh c|y}cuudfku fh dkwc}cuw h}fa ys}yf}wcg dkxcuwf}u" dkebsgdkn fkc
h}fa `bbcncg E`ta`k Dub`kgu lcgnc hskg wl`w fyc}`wcg fsw fh ` yfuw fhhdec mf|" `kg `kfwlc} dk
wlc hf}a fh ` h`|cg bcwwc} h}fa `k dkxcuwf} ~lf h dbcg wf gduebfuc `kt hd|cg `gg}cuu `w `bb+ @]
704" 7=09" 7==0+ @bb fh wlcuc xd}ws`bbt dgckwde`bbt!~f}gcg usmaduudfku ~c}c mt
wlcd} f~k wc}au" c|y}cuubt kfk!mdkgdkn `kg ~c}c a`gc fk wc}au usmuw`kwd`bbt wlc u`ac `u wlc
=7 Dh M`kef}yu @kelf} Dkxcuwf}u l`g `ews`bbt efkw}dmswcg '095 adbbdfk dk e`ydw`b wfM`kef}y fk Fewfmc} =
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=5
wc}au ucw hf}wl dk wlc Dkxcuwackw @n}ccackw fh Fewfmc} =4+ Udkec =99>" wlc FWU l`g ~`}kcg wlc M`ko wl`w dwu }cbd`kec syfk ` l`kghsb fh
dkuwdwswdfk`b gcyfudwf}u }`k `k sk`eecyw`mbc }duo fh ` bdpsdgdwt e}dudu ulfsbg dwu e`ydw`b g~dkgbc wf
`k sku`hc f} skufskg bcxcb `kg fkc f} af}c fh wlfuc gcyfudwf}u elffuc wf ~dwlg}`~ wlcd} gcyfudwu
fk ulf}w kfwdec+ @] 8= ,=99> Efay}clckudxc C|`adk`wdfk$" 080 ,=994 Efay}clckudxc
C|`adk`wdfk$" @] =8> ,bcwwc} w}`kuadwwdkn }cusbwu fh =909 Bdadwcg C|`adk`wdfk$+
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=7
efsbg fwlc}~duc c|c}educ wlcd} }dnlwu wf ~dwlg}`~ wlcd} gcyfudwu h}fa wlc M`ko+ Wldu efkuwdwswcg
`k sku`hc `kg skufskg efkgdwdfk+ @] 50+ Wlc dkuwdwswdfk`b dkxcuwf}u ~c}c mbc" fkec wlc m`ko
hcbb mcbf~ `gcps`wcbt e`ydw`bdzcg" wf ~dwlg}`~ wlcd} hskgu daacgd`wcbt" `kg ufac mcn`k wf
~dwlg}`~ hskgu mcndkkdkn dk Gcecamc} =909" ~ldbc fwlc}u n`xc wlc M`ko fkbt ulf}w!wc}a
hf}mc`}`kecu b`uwdkn ` a`wwc} fh g`tu+ Ucc
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=3
adbbdfk" f} 77# fh wlc gcyfudwu `w wlc
M`ko" usmuw`kwd`bbt c|eccgdkn wlc wfw`b bdpsdgdwt fh wlc M`ko+ @] 5=+ CWEu gcyfudwf}
`n}ccackw `bbf~cg dw wf wc}adk`wc dwu }cb`wdfkuldy ~dwl S^M dk wlc cxckw wlc M`ko ~`u bcuu wl`k
`gcps`wcbt e`ydw`bdzcg+ @] 55+ Dk `k n}ccackw ~dwl wlc M`ko g`wcg Fewfmc} =8" =909" CWE
E`uc 0:00!ex!9979
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=8
uw`wcg wl`w dw ~fsbg kfw c|c}educ wldu }dnlw skwdb" dkwc} `bd`" wlc M`kou '=99 adbbdfk Dkxcuwackw
@n}ccackw ~`u efkusaa`wcg f} kfw b`wc} wl`k Gcecamc} 50" =909+ @] 55" 0473+ Fk
Gcecamc} =4" =909" CWE n`xc wlc M`ko ` ulf}w!wc}a hf}mc`}`kec skwdb Hcm}s`}t 03" =900+
CWEu hf}mc`}`kec}cb`wcg wl`w wldu ~`u `k `mufbswc fswudgc g`wc+=> @] 0473+ Wlsu" wlc FWU
}c`ufk`mbt efkebsgcg wl`w wlc }duo fhgcy`}ws}c fh CWEu hskgu y}cuckwcg `k sk`eecyw`mbc
bdpsdgdwt }duo wf wlc M`ko+ @] 57+
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=>
m`ko wf yfwckwd`b mstc}u mchf}c ` }cecdxc}uldy+ Fk Gcecamc} 4" =909" wlc M`ko gckdcg wlc
}cpscuw `kg `uus}cg wlc HGDE" dkwc} `bd`" wl`w kf dkuwdwswdfk`b gcyfudwf}u ~c}c bdocbt wf ~dwlg}`~
wlcd} hskgu+ @] 075
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==4+ Wlc c|`adk`wdfk `buf efkebsgcg wl`w wlc
skgc}e`ydw`bdzcg uw`wsu fh wlc M`ko y}cxckwcg dw mt b`~ h}fa a`dkw`dkdkn gcyfudwu fk mcl`bh fh
caybftcc mckchdw yb`ku+ Ucc 0= S+U+E+ 0
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=4
wlc M`kou afskwdkn bfuucu fk bf`ku `kg dwu b`eo fh y}fuycewu wf `snackw dwu e`ydw`b bcxcb wl}fsnl
c`}kdknu+ @] 0>59+
47+ Wlc M`ko ~`u kfwdhdcg fh dwu gf~kn}`gc wf ` efayfudwc 3 E@ACBU }`wdkn" wlc
bf~cuw bcxcb" dk ` bcwwc} g`wcg Gcecamc} =4" =909+=4 @] 0>=>+
J`ks`}t =900: FWU gckdcu wlc M`kou `yybde`wdfk wf ys}el`uc `kg dkef}yf}`wc
Bcnckw `u `k fyc}`wdkn usmudgd`}t
43+ Fk J`ks`}t 03" 588=" 5950"545=+
E`uc 0:00!ex!9979
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80/87
59
48+ Wlc FWU `buf efkebsgcg wl`w Bcnckw l`g `k sku`wduh`ewf}t }cnsb`wf}t }cef}g fxc}
`k c|wckgcg yc}dfg fh wdac" dkebsgdkn }ceckw" uc}dfsu ysmbde ckhf}ecackw `ewdfku w`ock `n`dkuw
wlc hd}a mt HDK]@" dwu y}da`}t }cnsb`wf} ,`u ~cbb `u wlc K`wdfk`b @uufed`wdfk fh Uces}dwdcu
Gc`bc}u" dwu y}cececuuf}$+50 @] =379!=370" 70=9? ucc `buf @] 5030!503= ,=909" }fswdkn
xdfb`wdfku$" 50
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50
udnkdhde`kw dke}c`ucu dk dwu `uucwu+ Dg+ Lf~cxc}" wlc M`kou n}f~wl ~`u }cuw}dewcg mt wlc Efkuckw
E(G F}gc} `kg" dh fwlc}~duc yc}adwwcg" wlc y}fjcewcg n}f~wl ckw`dbcg hs}wlc} dke}c`udkn }cbd`kec
fk dkuwdwswdfk`b gcyfudwu+ Dg+ Dk efkebsudfk" FWU hfskg wl`w wlc yybde`wdfk ~`u fmjcewdfk`mbc fk
u`hcwt `kg ufskgkcuu n}fskgu `kg y}cuckwcg udnkdhde`kw usyc}xduf}t efkec}ku+ @] 7004!=0+
4+
J`ks`}t =900: FWU gckdcu wlc M`kou msudkcuu `kg e`ydw`b }cuwf}`wdfk yb`ku
44+ Fk J`ks`}t 0
7/23/2019 UWBK 5-18-2012 FDICS CROSS MOTION FOR SUMMARY JUDGEMENT
82/87
5=
Hs}wlc}af}c" ~ldbc wlc E]Y ckxdudfkcg wl`w fkbt ufac fh wlfuc efkgdwdfku `ews`bbt l`g wf mc
acw" wlc `muckec fh `kt usyyf}w hf} wl`w `uusaywdfk" dkebsgdkn wlc `muckec fh `kt ~}dwwck
~`dxc}u mt wlc @kelf} Dkxcuwf}u wf wlc a`kg`wf}t y}fxdudfku fh wlc Dkxcuwackw @n}ccackw" bcg
FWU wf efkebsgc wl`w dw ~`u sk}c`ufk`mbc wf `uusac wl`w wlc `n}ccackw ~fsbg mc efkusaa`wcg+
@] 70=3" 7050!5=+
090+ Hdk`bbt" FWU }cjcewcg wlc E]Y mce`suc wlc Lfbgdkn Efay`kt gdg kfw y}fxdgc `k
`eecyw`mbc ns`}`kwcc hf} wl`w yb`k+ @] 70=3!=8" 7058+ FWU kfwcg wl`w sk`eecyw`mbc y}fxdudfku
fh wlc ns`}`kwcc usmadwwcg mt wlc Lfbgdkn Efay`kt dkebsgcg: ,`$ ` y}fxdudfk wc}adk`wdkn wlc
ns`}`kwcc `kt wdac wlc Lfbgdkn Efay`kt ec`ucg wf efkw}fb wlc M`ko? `kg ,m$ ` }cuw}dewdfk
bdadwdkn wlc ns`}`kwcc wf fkbt wlfuc a`wwc}u skgc} wlc efkw}fb fh wlc Lfbgdkn Efay`kt+ @]
70=8" 7058+ FWU hfskg wl`w wlfuc y}fxdudfku day}fyc}bt bdadwcg wlc uefyc `kg gs}`wdfk fh wlc
uw`wswf}dbt }cpsd}cg ns`}`kwcc+ Dg+
09=+ FWU `buf fmjcewcg wf wlc y}fyfucg msudkcuu yb`k dkebsgcg dk wlc E]Y mce`suc fh
wl`w yb`ku efkwdkscg }cbd`kec fk `k c|ecuudxc efkeckw}`wdfk fh dkuwdwswdfk`b gcyfudwu `u ~cbb `u
sk}c`ufk`mbc n}f~wl+ @] 70=8!=>" 7053!58" 703+ @] =5+ Wlc acaf kfwcg wl`w mcndkkdkn dk wlc b`uw
ps`}wc} fh =99
7/23/2019 UWBK 5-18-2012 FDICS CROSS MOTION FOR SUMMARY JUDGEMENT
83/87
55
uces}dwdcu+ Dg+ Wlc M`kou `uucw ps`bdwt l`g gcebdkcg ~dwl eb`uudhdcg `uucwu" dkebsgdkn eb`uudhdcg
AMU" dke}c`udkn udnkdhde`kwbt h}fa +9 yc}eckw fh `bb gcyfudwu" `kg
wl`w fkc fh wlfuc hfs}" AUEU" ~`u dk wlc y}fecuu fh ~dwlg}`~dkn dwu gcyfudwu+ @] 50!5=" 53+
Wlc U!Acaf `buf efkebsgcg wl`w mfwl CWE `kg BWE efsbg ~dwlg}`~ wlcd} gcyfudwu `kg l`g
ndxck dkgde`wdfku wl`w wlct ~c}c bdocbt wf gf uf" dh wlc Lfbgdkn Efay`ktu yb`k wf }ce`ydw`bdzc
gdg kfw efac wf h}sdwdfk+ @] 5=!53+ Hdk`bbt" wlc U!Acaf `k`btzcg wlc M`kou bdpsdgdwt `kg
hfskg wl`w dw l`g dkushhdedckw bdpsdg `uucwu wf efkwdksc kf}a`b fyc}`wdfku `kg }cgcca afuw fh
CWEu `kg BWEu gcyfudwu fxc} ` ulf}w wdac h}`ac+ @] 58!79+ Wlc U!Acaf efkebsgcg wl`w wlc
M`kou efkwdkscg }cbd`kec fk dkuwdwswdfk`b gcyfudwu ~`u sku`hc `kg skufskg" `kg mce`suc wlc
E`uc 0:00!ex!9979
7/23/2019 UWBK 5-18-2012 FDICS CROSS MOTION FOR SUMMARY JUDGEMENT
84/87
57
}ce`ydw`bdz`wdfk ~`u skbdocbt wf fees}" wlc bdocbt }cusbw ~`u ` bdpsdgdwt h`dbs}c ,d+c+ wlc M`kou
`x`db`mbc ufs}ecu fh hskgu ~c}c ua`bbc} wl`k wlc `kwdedy`wcg fswhbf~ fh dkuwdwswdfk`b gcyfudwu$+
@] 57" 58!5>" 54!79+
09
7/23/2019 UWBK 5-18-2012 FDICS CROSS MOTION FOR SUMMARY JUDGEMENT
85/87
53
gca`kg+ Wlc B!Acaf efkebsgcg wl`w wlc ucxc}dwt fh wldu udws`wdfk }cy}cuckwcg `k sku`hc f}
skufskg efkgdwdfk wf w}`ku`ew msudkcuu" `kg wl`w `yyfdkwackw fh ` }cecdxc} ~`u bcn`bbt ~`}}`kwcg+
@] 0>+
00=+ Dk ` bdpsdgdwt n}fskg gd}cewbt }cb`wcg wf wlc efkebsudfku ucw hf}wl dk 000" wlc B!
Acaf fydkcg wl`w wlc @ewdkn Gd}cewf} efsbg `yyfdkw ` }cecdxc} hf} wlc M`ko dh wlc dkuwdwswdfk du
bdocbt wf mc sk`mbc wf y`t dwu fmbdn`wdfku f} accw dwu gcyfudwf}u gca`kgu dk wlc kf}a`b efs}uc fh
msudkcuu+ Wlc @ewdkn Eldch Efskucb efkebsgcg wl`w wlc usyc}xduf}t gcwc}adk`wdfk wl`w `bb msw fkc
fh wlc M`kou a`jf} dkuwdwswdfk`b gcyfudwf}u ~c}c yfducg wf ~dwlg}`~ wlcd} hskgu" hf} ~ldel wlc
M`ko b`eocg `gcps`wc bdpsdgdwt" ~`u `k `gcps`wc bcn`b m`udu wf hf} yyfdkwackw fh ` }cecdxc}+ @]
0J`ks`}t =0" =900: ]cecdxc}uldy f}gc} udnkcg
007+ Fk J`ks`}t =0" =900" `hwc} e`}chsb `kg wlf}fsnl cx`bs`wdfk fh wlc M`kou
efkgdwdfk hfskg dk wlc @gadkduw}`wdxc ]cef}g" wlc @ewdkn Gd}cewf} fh FWU udnkcg `k F}gc}
`yyfdkwdkn wlc HGDE u wlc M`kou }cecdxc}+ @] =!
7/23/2019 UWBK 5-18-2012 FDICS CROSS MOTION FOR SUMMARY JUDGEMENT
86/87
58
003+ Dk `ggdwdfk" wlc @ewdkn Gd}cewf} hfskg wl`w wlc M`kou }ce`ydw`bdz`wdfk yb`k ~`u
skbdocbt wf useeccg mce`suc a`kt fh wlc y}cecgckw efkgdwdfku wf dwu efkusaa`wdfk ~fsbg kfw mc
hsbhdbbcg+ @] 5!7+ Hs}wlc}af}c" wlc @ewdkn Gd}cewf} hfskg wl`w wlc M`ko l`g xc}t ldnl
efkeckw}`wdfk fh gcyfudwu h}fa fkbt hfs} dkuwdwswdfk`b gcyfudwf}u `kg wl`w ` udnkdhde`kw `afskw fh
wlfuc gcyfudwu efsbg mc psdeobt ~dwlg}`~k+ @] 7!3+ Lc `buf hfskg wl`w fkc fh wlc hfs}
dkuwdwswdfk`b gcyfudwf}u ~`u dk wlc y}fecuu fh ~dwlg}`~dkn dwu gcyfudwu+ @] 3+ Af}cfxc}" wlc
@ewdkn Gd}cewf} efkebsgcg wl`w w~f fh wlc }ca`dkdkn dkuwdwswdfk`b gcyfudwf}u y}fxdgcg wlc msbo fh
wlc gcyfudwu `kg wlfuc gcyfudwf}u l`g dkgde`wcg wl`w wlct ~c}c a`dkw`dkdkn wlcd} gcyfudwu `w wlc
M`ko mce`suc wlct mcbdcxcg wlc M`ko ~fsbg mc }ce`ydw`bdzcg dk wlc kc`} hsws}c+ Dg+ Mce`suc wlc
M`ko ~`u skbdocbt wf useecuuhsbbt }ce`ydw`bdzc dk wlc kc`} hsws}c" wlc @ewdkn Gd}cewf} hfskg wlc
}duo fh ~dwlg}`~`bu sk`eecyw`mbc+ Dg+ Lc `buf hfskg wl`w wlc M`ko gdg kfw l`xc ushhdedckw
bdpsdgdwt wf u`wduht usel ~dwlg}`~`bu `bfkn ~dwl dwu fwlc} fyc}`wdfku+ Dg+
008+ Wlc @ewdkn Gd}cewf} efkebsgcg wl`w wlc M`ko ~`u dk `k sku`hc `kg skufskg
efkgdwdfk mce`suc fh dwu yfwckwd`b ucxc}c bdpsdgdwt uw}`dk" `k c|ecuudxc `afskw fh eb`uudhdcg
`uucwu" efkwdksdkn udnkdhde`kw fyc}`wdkn bfuucu" dkushhdedckw e`ydw`b" `kg kf }c`bduwde y}fuycewu hf}
}`dudkn e`ydw`b dk wlc ulf}w wc}a+ @] 8+ Dk `ggdwdfk" lc efkebsgcg wl`w dw ~`u bdocbt wl`w af}c
dkuwdwswdfk`b gcyfudwu ~fsbg mc ~dwlg}`~k dk wlc kc`} wc}a wl`k wlc M`ko efsbg }cgcca `kg `buf
accw dwu fwlc} fmbdn`wdfku+ @] 8!>+ Wlc @ewdkn Gd}cewf} `buf efkebsgcg wl`w wlc M`ko l`g kfw
y}fxdgcg `k `eecyw`mbc }ce`ydw`bdz`wdfk yb`k+ @] >+ @eef}gdknbt" lc gcwc}adkcg wl`w wl}cc
ucy`}`wc uw`wswf}t n}fskgu hf} usel `k `yyfdkwackw ~c}c y}cuckw:
wlc M`ko ~`u dk `k sku`hc `kg skufskg efkgdwdfk wf w}`ku`ew msudkcuu" 0= S+U+E+
0
7/23/2019 UWBK 5-18-2012 FDICS CROSS MOTION FOR SUMMARY JUDGEMENT
87/87
wlc M`ko ~`u bdocbt wf mc sk`mbc wf y`t dwu fmbdn`wdfku f} accw dwu gcyfudwf}u
gca`kgu dk wlc kf}a`b efs}uc fh msudkcuu" 0= S+U+E+ 0