Herrick et al v. JPMorgan Chase Bank, N.A. et al

Filing 128

ORDER GRANTING PLAINTIFF'S MOTION FOR FINAL APPROVAL OF CLASS ACTION SETTLEMENT, APPLICATION FOR SERVICE AWARDS, AND CLASS COUNSEL'S APPLICATION FOR ATTORNEY'S FEES AND EXPENSES. Signed by Chief Judge Federico A. Moreno on 2/28/2014. (err)

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UN I TED STATES DI STRI COURT FOR THE CT SOUTHERN DI STRI OF FLORI CT DA M i miDi son a vii Cas Num ber 1 211 CI M ORENO e : 3- 07- V- SALVATORE SACCOCCI e aI, O, t . Pl ntf, ai if VS. J M ORGAN CHASE BANK, . e al, P N A. t . Def nt enda . 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AsofJ nua y 23,201 t Pli if i c t t tt s tlm e a i sr t ha r ceve o y a r 4, he antfs ndia e ha he ete nt dm nitaor d e i d nl 1 2v l o to t e e t. dto al , ih o j ci n fldo be afo 1 o j co sh v b e 2 ai p- u rqu ss Ad iin ly eg t be to s ie n h l f 6 b e t r a e e n d fld. Cour hel atna f ine shea i on Fe uar 1 201 ie The t d i l ar s rng br y 4, 4. 1 1 Le Anal i 1 . gal ys s Un e Rue2 () 'thecams is s o d f n e o a c riid ca sma b stld d r l 3 e ,' l li , sue , r e e s s f e t e ls y e ete , L f vol aiydimis d,orc omie onl wiht c t a oval'Fe R. v.P. e) untrl s s e ompr sd y t he our' ppr .' d. Ci 23( . s The f l i pr edur a y t a pr olow ng oc es ppl o opos d s tl m e ,vol a y di m i s ,or e e te nt unt r s s al com pr i e. om s ' i a r as bl ma rt a 1cas e n e ona e nne o l l sm mber who s woul bou b t pr al dbe nd y he opos . t r i ( )Thecourtm us diectnotce 1 ( l t pr a woul bi cls me r,t c t yappr i onl a t a 2)f he opos l d nd a s mbes he our ma ove t y fer he rngand on fndi t ti i f i, e onabl a a ai i ng ha t s ar r as e, nd dequae t () pa te se ngappr l ttl asae nti ntf nga a e 3 The ris e ki ova mus ie ttme de iyi ny gremen ma t de i c n onne ton w ih t pr ci t he opos al ( l t cl saci wa prvi l c riidunderRul 23( ( ,hec tma 4) f he as ton s e ousy e tfe e b)3) t our y r f s t a ove a s l nt unl s i a f ds a ne opporuniy t r que t e u e o ppr dteme e s t for w t t o e s e uson t i vi lcas m e r who ha a e ri roppr uniy t r ques xcl i o ndi dua l s mbe s d n a le ot t o e t excuson butdi notdo s l i d o - 6- () yca sme e ma o j c t tep o o a i irq ie c u t p r v l n e 5An ls mb r y b e t o h r p s l ft e u rs o r a p o a u d r tes b iiin() teo j cinma b wi rwn o l wiht ec u tsa p o a h u dv so e ;h b e to y e t a ny t h o r' p r v l hd Fed. Ci P. ( . R. v. 23e) Thepa te i t sca es tld prort t c ri cai oft cl s.' cas may be ri s n hi s ete i o he e tt ton he as ' l s i A c rii s ey f t pur e ofs tl e tfed ol l or he pos s e temen wher s tl nti r a he be or altgae t e eteme s e c d f e ii td dee mi ton oft cl sc rii ton is . fi uma r Am.Ex e sCo. 406 F. tr na i he as e tfca i s ue' p ' . pr s , supp. 1 zd 298, 1 1 -31 ( D. a 2 0 ) W h r t ed src c u t e do l c riyteca sf rt ep r o eo 3 3 1 4 S. Fl. 0 5 . ee h itit o r n e ny e t h ls o h u p s f f s tlm e ti ' e noti r whe he t c e,i ti woul pr s nti r c a e ma ete n t ' d ne nquie t r he as f red, d e e nta t bl nage ment prblms s eFe R. v. 23( ( ( ,f t pr ali t tt r benotil'Amc o e , e d. Ci P. b)3)D) or he opos s ha hee ra. hem ' Pr .I .v Wids ,521U. 5 , (1 ) Ne t e s ot rrquieme sofRul 23, ods, nc . n or S. 9l 620 997 . verhels , he e r nt e 'hos de i ' e sgnedt pr e ta e e by bl ki unwa r e orover oa cl sde i tont o otc bs nt es oc ng rantd br d as fnii de nd undiut e n hei e d,a tnton i t s tl ntc ext'1 ma l ed, ve ghtne te i n he e teme ont . d ' Thi Cour hel a fnalf r s he rng On Fe uar l 201 The pa te ha fl d a s t d i aine s a i br y 4, 4. ri s ve ie sa e nti iyi hes tl nta e tt me dentf ngt eteme gr emen . Cl swaspr i i iy c riid f s tl men t The as elm narl e tfe or ete t unde Fe R. v. 23( a 23( ( . pum ore cas me r weegi nuntl a r 1 r d. Ci P. a) nd b)3) The td l s mbes r ve iJ nuay 5, 201 t ob e tt t cas oroptoutoft cl s Thus a1rquieme sofRul 23()wilbef 4 o j c o he l s he as. , 1 e r nt e e l ound t be pr enti t sCou tdeemi st t( )t notc t t cls wa r s bl ( t o es f hi r tr ne ha 1 he ie o he a s s ea ona e, 2) he stlme t s arr a o a l, n a e u t. eCo r wi as a d e st meiso teo j cin ete n i f i,e s n be a d d q ae Th u t l lo d r s he rt f h b e to s l i pa tl . n r V A.R e onabl ne s o t N otce t t C l s as e s f he i o he as ûForac toexecs urs ci overt cl msofabsntCls me s t emus be i our t riej iditon he ai e a s mber,her t m i malpr dur ldue pr es pr t cton. Pe e v Asu i Cor ,501 F. ni oce a oc s o e i ' r z . ron ' p. supp. 1 zd 360,1 377 - 7- s dr c i 'hebe tno i houl e e ve t t s tce c riidu d r2 ( )3 , ls me es e t e n e 3 b ( ) ca s mb r f ( D. a 2 0 )I a to s S, Fl. 0 7 .n cin he eg y t a i p a tc beu d rhecru tn e .Fe R. v. 2 ()2 ( .' r essoft cat or h ts rcia l n e t ic msa c s' d. Ci P. 3 c( )B) çRega dl ' cls s tma beorpotntal ma bec tte a s ui y e ily y erii d,howe r l 23()rquiest t ve , e e e r ha unde whih a r c a e cl sme be sbei onne whe t lws ti i t pr s ofbe ngvol arl dim is d bs nt as m r nf d n he a ui s n he oce s i unt iy s s e o c mp o sd. J rsv I a dCo p.6 5F.d 1 9 ,1 7( 1h r 2 2) Th n tc s ud r o r mie ' u i .n me r , 8 3 2 4 31 1 tCi. 01 . e oie ho l ' beç e ona yc l a e unde al t cr umsa e , oa iei t r t pari soft pe nc k as bl acult d, r r l he ic tnc s t pprs n e esed te he nde y o t a to a daf r te a o p ru iyt p e e t h i o j ci n . Phi i Per lu Co v fhe cin n fo d h m n p o tnt o rs n t er b e to s' lps toe m . . ' l Shuts, U. 797, 11- l ( 985) t 472 S. 8 8 2 1 . Afe t cls wasc tfe f t pur e ofs tl men ,t Setlm e Admi sr t tr he a s erii d or he pos ete t he te nt nita or m al d 1. m ilon n iepac t t 7 390 a ii t m oft s tlm e ,den iyi t cas , ie 4 li otc ke s o 62, pprsng he he ete nt i tf ng he l s notf ngt m oft naur oft a tonsa t ls cai s pr di t tc a sm e r m a iyi he he t e he c i nd heca s l m , ovi ng ha l s mbe s y t oug c el i t y c e,notf ng t hr h ouns f he hoos iyi hem ent appear er ance t a o s tlm e ta se t tm us be t ken t ete n nd t ps ha of t bi ng e f c of t he ndi fe t he e ur r c y,a a e tng t m t t i rght t be ns e e over nd l ri he o he r i s o Thi c ont i d he l i or lo c ane t c am sf m ex ude fom t s tlm e a t dea i t do s cl d r he ete nt nd he dlne o o. spa keta s ie nd lne nec s a y t s i ac a m . Se tementAdm i sr t a s esa ihed awebst a ahoti e s r o ubm t l i The tl nitaor lo tbls f rc a sm e o l s mber wihquesi . we ielnke t aco oft Cli f m . sCour t s t tons The bst i d o py he a ms or Thi t hus a t tt notc wast be tpr tc bl nd ha he ie he s aci a e fndst tt i ha henotc wa ras eunderRul 23e ie s e onabl e () unde Rul 23 c( ( . r e ( )2)B) B.Fai ne s Ade c and Re onabl ne so t Setlm ent r s . qua y as e s f he te The Coul s d a ove a pr pos cas a ton s tl men whe e i i ' ar ' houl ppr t o ed l s c i ete t r t s ' i, f ade t a r s bl a i no t pr tofcoluso bewee t pa tes'Be t v. hrng quae nd ea ona e nd s t he oduc l i n t n he ri . nnet Be i Cor ,737F. 98 986( 1hCi.1 .Thefcor t Cour s d c i i deer ni y 2d 2, 1 t r 984) a t s he t houl onsder n t mi ng - 8- whehera s tl me i f i,a qua e, nd r a ona ea e t e te nt s ar de t a e s bl r ()telk lh o o s c e sa til( )tern o p si l r c v r ( ) h pon 1 h i ei o d f u c s tra;2 h a ge f o sbe e o ey;3 t e it onorbe ow t r ngeofpos i er cove ya whi has tlm e i f i, de t a l he a sbl e r t c e te nt s ar a qua e nd ras bl ( t c e t e e ona e;4)he omplxiy, xpens anddurtonofltgai ( )t s tnc e ai ii ton; 5 he ubsa e a amountofoppostont t stlmenta ( t sa ofpr e ngsa whih nd ii o he ete ; nd 6)he tge oc edi t c s tlm e wasa hived. ete nt c e Be t v Be ig Cor ,7?7 F. a 98 The Cour ' houl be hest ntt s tt ehi orhe nnet . hrn p. 2d t 6. t' s d ia o ubsiut s r o j dg n f rha o c u s l' nr S t , 2 F.d1 2 , 0 8( 1hCi. 9 ) l ca s cin wn u me to t t f o n e.l e mih 9 6 2 0 7 1 2 1 t r 1 91.n ls a to ' c s s t ti j e mus wei 'he overdi publc itr ti fvorofs tlme 'whe a e , he ral udg t gh ' t ri ng i nees n a ete nt' n rviwi t stlme agre ntSeeCotonv.Hi on,559 F. 1 e e ng he ete nt e me . t nt 2d 326,1 ( hCi.1 ); 331 5t r 977 1 Be e v Womec Entr .I . 11 F. D.53 538( D. a.1 . hr ns . to e s, nc, 8 R. 4, S. Fl 988) Thi Cour mus t de e newhehert s tlm e wasapr s t t hus t nni t he ete nt oduc ofc l i l wil t oluson. t l t n t t a a yssoft Be t f c o s he um o n nal i he nnet a t r . 7.TheSete nt#,.nott Pr tlme # ç he oducto l i J fcoluson The ei ap e umpton ofgoodf t i t ne iton p oc s . eHe r s rs i aih n he gota i r e s Se mphilv SanDigo l . e As no alor,l .225F. D. 6, ( D. l2004) Wher t pa te ha ne itda s' fRe t s nc, R. 61 621 S. Ca. . e he ris ve gotae t ar slngt t Cour s d fnd t tt s tl me i no t pr m' e h,he t houl i ha he e te nt s t he oduc ofc l i Se e. Se t oluson. e, g. e As hfo Dia ldAms,l c v Amo o Oi Co , 1F. D. 7 4 0 ( D. a 2 0 ) F rh r s r s be . n . . c l . 21 R. 45 , 7 S. Fl. 0 2 . u te, whe et c epr e dsa r a i ly,hi c r he as oc e dve s ra l t s ouns l agans atndi ofc l i Se l gr v. e s i t i ng oluson. e n am The Coc col Co.200F. D.685,693( D. 2001 . a- a , R. N. Ga. ) The Cour fndst tt s tl men i nott pr tofcoluson.The pa teswor d ti ha he ete t s he oduc l i ri ke e e i ywih amedit ,Rodne M ax.The pa tcpaedi t eei pe s s sonsa we la xtnsvel t a or y y ri i t n hr n- r on es i s l s l 1Fit Cicui de i i hande down prort t cl eofbusne son Se e A1 fh r t c sons d i o he os i s pt mber30, 1 1 a ebi ng pr e ntupon t El nt Cic t Bonne v. i d,661F. 1 98 , r ndi ec de he eve h r ui. r Prchar 2d 206,1 207 ( 1hCi.1 )e ba . 1 1 r 981(n nc) - 9- a emai nd lcomm u c tons The ni a i . m e a orwa i ved i a1se i t dit s nvol n 1 tps n he numer t lphone ous ee Fu t r t sca ewasit nsvel ltgae De e nt fl dnum e ousdipostvemotons rhe ,hi s n e i y ii td. f nda s ie r s ii i Pr OCCSS. a ol d t bs ve hems l esofla lt hr ev ibiiyt oughoutt i et tt sc eha hetm ha hi as s t tc d ha complt l ha oul ve e ey bee a tve. ti cla t tt ne tai nsbe we t n c i l s e r ha he go i to t en hepa te pr e da a 'l ngt ris oc ede t nus e h. Bec us t Cour fn hatt s tlm e a e he t i dst he ete ntwa no t pr tofc l i twilnow s t he oduc oluson,i l a s st Be t f c or . s es he nnet a t s 2 Liei o o c e sa T il . k lho d fsu c s t ra ThePl i ifslkelhoodofs e sa ti i ' i da ns t a ou a f m ofr le antf i i ucc s t ral s ' ghe gai t he m nt nd or we e if Ex e sCo. 406 F. pr s , supp. a 1 1 He e i i nota zd t 3 9. r , t s t c ane i t stlment'fluma v Am. onti d n he ete . p ' . The compl nt al ge num e ous cli s ai le d r am a 1cla t Pli tf woul ha s ce de a ti . l e r hat a n if d ve uc e d t ral icl ng bra h ofcontac,brac ofi id c nantofgood fih and fi de lng,unus n udi ec r t e h mple ove at ar ai j t e zc nt br a oftdu a y dut t tousi e f r ewih abusne sr l tons p,vi atons n i hme , e ch i cir y,ori nt re enc t i s e ai hi ol i oft Fl i De ptvea Unf i Tr dePr c iesAc , heFe r Ba Hol ng Compa Ac , he orda ce i nd ar a a tc tt de al nk di ny t a t Fe r lTnah i Le ngAc . nd he de a t n ndi t M anyo t c am spr s e byPl i ifwe ehi y c f he l i e entd antf r ghl ompl x, ndt r i tonga hort e a he e ssr ut iy ls go , ts o ugge thatPli ifma nothavepr va ld. re m pl i Ku e mannv.We l Far Bank st antf y e ie Fo xa e,n nz l N A.ar ce de ii n fom t sditi t J e , e nt cs o r hi src, udg to de a s M i e ooksde lne t c riyana i nwi cls ddlbr c i d o e tf 3 VL 3991 a 3 3 t*1 f f r e pl e i ur nc c a ms Ku el or o c d- ac d ns a e l i . nz mannv WelsFJr ?Bank N A.201 N 1 . l #t , 1 201 . Cour i t tcaenoe t tcl msf unus ihme a br ach 0 3)The tn ha s td ha ai or j tenrc nt nd e ( i FldJ n.nantofgoodf ihandf i dealngr r 'ndi dualzedscrutnyi ompatbl wih S. i ave D. a. of mple co at a r i equie i vi i i nc i e t ca ste t n . I a *l Thec u t lon tdt a u j te rc me t li v r fom saet ls rame t' d t 0. ' o r as oe h t nus n ih n cams ay r tt o sae,a d t t' antf ha f l t ca r hi bur n t tt r a eno ma e ilva itonsi sae t t n ha ' i if s aied o ry s de ha he e r Pl t ra rai n t t - 1 0- l '1 a *1l. aw. d. t ' Si lry,Def nda s ha s e sr mia l e nt ve om tong a fr ai de e es For exa e,As ur nt fim tve f ns . mpl s a De enda s hav ma a gumen s ba e upon t tld-a e docrne.t f nt e de r t sd he ie r t ti ' fld-a e doc rne The ie r t ti r c z t twhe e algil t ehase tbls d as he ef r t ma ng,herg soft r t e ognies ha r e saur sa ihe c m or ae- ki t i ht he a e p y rnrg r t tert h padaed fn db t t c me'I (iigFz e v S te nCo , 6 a e i e ad o h ae e i r e ie y ha she . d ctn t/ f . ouh r .9 7 ' /' F. 1 1 - ( 1hCi.1 ).nKu emann,t Co tagandeci dt c riyt cas 2d 483, 49192 1 t r 992 I nz l he ur i lne o e tf he l s duet t dif r ce i sa e1 on t doc rne. d.a *1 o he fe en s n t t aw he ti 1 t 2. A r c ntEl nt Cic tdec so f t rde ee eve h r ui ii n ' he monsr t t pot ntalpe i Pl ntf f ce ur taes he e i rl ai if a d. l Fe v Wel Far t El ent Cicui afi n az . ls go, he ev h r t fnued adimi s lofac am sa ii fom a f r e s sa l i rsng r oc- plc d i ur es hemet twassm ia t t one i t c e a b .Fea v We l Far Bank a e ns anc c ha i l r o he n he as t ar z . ls go , A(1,201 W L 5 49 ( 1h Ci.Fe 1 201 .l t tc e,t Elve h Cic tsae t t z. 4 031 1 t r b. 0, 4) n ha as he e nt rui ttd ha pli if ' le s t tW els Fa g sus of e c ow f a ntf ' l ge ha a l r o' e s r unds t pa f t f c - a e i ur nc o y or he or e pl c d ns a e br ac d tdu a y dute , tt sa s e ,wiho a lga ba i t ta lndersa i sr ton of e he i cir i s bu hi s um s t ut e l ss,ha e ' dm nita i s h ' s r f ds'cr t a fduc a y r ltons p. l a *1 l a tnni t dimis l t uc ' c ow un ' eaes i i r ea i hi ' d. t 0. n fi ng he s s a , he e ' Elve h Cic tsa e t t e nt r ui t t d ha : W e a ee wih t Se nt Cicu tt tsmpl c li a c mi son a ki kba k gr t he ve h r i ha i y a lng om s i c c doe n'makeione. de i ngc r trsi ofakikba ki di de l li . st t The fni ha ace i tc c c s vi d oyates But gh ln elwa n ta tn o b hafo gh b ro r o h ri tr ss Th la t e e d r s o ci g n e l f t e o r wel r e ne et . e o n ag e nt a ic e rt thei ur nc r quieme i f t l nde spr t c i r eme m kes l l a ha t ns a e e r nt s or he e r' o e ton. Co. 735F. 60l 611(t Ci.201 ) n iePlitf sca s , 3d , 7h r 3). l anif ls l ( tng Cohe v Am.Sec I d cii n . . ns. c uns ex e s d confde t ti c l ditnguih t s ca e a rs a o el pr s e i nce ha t ou d si s he e s s nd i e bovet a st i i he dveriy,t s ob oust t hehe vi ha t adwi cr a e byt ede sonsa esgnii n .nde t ee ssapo e il nds e t d hes cii r i tca t l ed,her xit t nta t tt c a s c d e e a l a e nsve ti onl t co e a y wih not ng t t i ha he l s oul ndur ong nd xpe i ral y o m wa t hi ha s i pos i e t i e.See eg.Entr f'e g Cor v.Col m sbl o gnor . e . n ry p. umbi Gas Tr misi Cor ,1 a . ans s on p. 37 F. D. 248( D. o 1 ) R. 240, S. Ohi 991 . I t f ceoft ehe dwi t n, hes tlm e i af vor eone. a sm e r who n he a hes a nds he t ete nt s a abl Cl s mbe s rt r acam f r wile ev 1 5 o tey a l p e u c a g d, o j s o t e c s c ag d eu n li o m lrc ie 2.% fh e ry rmim h r e n tu t fhe x e s h r e above t ac ualOr c pettve c tOfcove a The c a s m e be s wilr e ve t s r gar e s he t om ii os r ge. ls m r l ec i hi e dl s wh t e te p i a yp rino tep e u t Ch s . rh r t eij n tv rle p e e t te eh r h y ad n o t f h rmi m o a e Fu te ,h nu cie eif rv ns h o De e nt fom enga ng i smia s he e f sx ye r . f nda s r gi n i lr c m s or i a s Thus t sr ng h oft s tlm e i , he te t he ete nt n lghtoft ma pot nta pif l pr s nti t c e weghsi f i he ny e i l tals e e n he as i n avorofa e i t s tlm e . cc ptng he ete nt J.TheRangeo s i eRe eyandt Poi on Whi orBeow t Rangeo fpo sbl cov r he nt ch l he f Recover i F ai. ys r Thenex Be t f ct st Cour s d c i ra e t r nge ofpos i e r co r a t nne t a or he t houl onsde r he a sbl e ve y nd t poi on orbel t r nge ofpos i e r cove y a whih a s tlm e i f r a qua e a he nt ow he a sbl e r t c e te nt s ai, de t nd r s na e.The e f c or a e ' as l c bi d. Be e v.W om e c Ent r .I ,11 F. . .a ea o bl s a t s r ' iy om ne ' hr ns e ' t o e s nc. 8 R D t 541 The r ng ofpos i e r cove y s . a e sbl e r pans fom a fndi ofnon-ibiiy t a va yi r ng of r i ng la lt o r ng a e mo eaya dij n tv rle. e As 'f rDia ldAms, n . . c OiCo, 1F. D. 5 , n tr n nu cie eifS e sn o s b e .I c v Amo o l .21 R. 4 7 468( D. a. S. Fl 2002)'nconsdei t quesi ofaposi erc r t f i ont posi e .' I i rng he ton sbl e ove y,he ocus s he sbl r ove ya ti . Li ec r t ral' puma v Am. pr sCo.406 F. ' . Ex es , supp. a 1 zd t 322. Cour s de uaet The t houl val t he ' opos d s tl m e i ist alt 'l a 1 ' pr e e te nt n t ot iy. d t 323. ' Ba e on t e de , t ma mum r t t t t pr m i woul f l wihou t sd he vi nce he xi ae ha he e um d al t t he ' om misons' t e As ur ta Chas i 1 5% . ' c s i 'be we n s an nd e s 2. Addii ly, vi ei her or s tona l e denc nt ec d ugge t ss t tr ul t si 45 oft 50 s a e ha a ove a As ur ntl nder pl ce pr ha eg a or n he t t s ve ppr d n s a e - a d oduc t tw oul t ha d r duc t pr um sc r t lnde sa pas e t ought borowe sby 1 5% . e e he emi ha ged o e r nd s d hr o r r 2. Thus fom t s , r hi p rpe tv ,h Cls r c v r i 5 - 0 % o t d ma e . a trn i t eij nci er l fwhc es cie t e a s e o ey s 0 1 0 fhe a g s F co i g n h nu tv ei , ih e pr bispr ci e t te ne Chas andiss i aresove $690milonove t cl spe i t ohi t a tc s ha ar d e t ubsdi i r li r he as rod,he s te ntve y lke y e ee wha Pl ntfs c d ha won a ti .Eve a s i t tt etl me r i l xc ds t ai if oul ve t ral n s um ng ha he m o t r fgur r pr s nt onl 1 5 ofPl i ipsda a s whiht Cour i s tsi t y do nea y i e e e e s y 2.% antf m ge , c he t s a ifed he no,hi r c r woul sil ade t Se l r Che ki c Ovp lrzi t, F. zd tt s e ovey d tlbe quae. e n e c ngAc ount r t Li.830 supp. / 1 1 ( D. a. 1 ( rco r ofbewe n9% a 45% wasan' xe ayr uld.The e 330, 346 S. Fl 201 ) a e vey t e nd ' mplr es t' e ) s f ct s f vora ova oft s tl e . a or a ppr l he e tem nt #.TheComplxi Expe e andDur i o heCas Wegh i Fav o pr al et y, ns , aton ft e i n or fAp ov Thene f c ort Cou ts d c i ri t compl xiy,e xt a t he r houl onsde s he e t xpens a dur ton oft e, nd a i he ltga i Asdic s d a ii ton. s us e bove,hei s sr ie i t sc ear i ed quiecomplx. ai t s ue a s d n hi as e nde t e N tonwi , de Cours wih ca e se mi fom l rpl e i ur nce a e c i t dif r c usons t t s s tm ng r ende - ac d ns a r om ng o fe ent oncl i r ga di t is sbef r t m . e r ng he s ue o e he Compar eg.Fe zv Wel Far Bank N. , 4 W L 5031 e, . a . ls go , A.201 49 ( 1h Ci. b.1 201 wih Cannon v Wel Far Bank 1a ,201 U. Dit LEXI l11 1 t r Fe 0, 4) t . ls go , 4. 4 S. s. S 63 ( D. lJ n. 201 . pate ha ara e nde sgniia ne g a mone ltgai N. Ca.a 29, 4)The ris ve le dy xpe d i fc nte r y nd y ii tng t sc ea pr hi as nd opoundi dico r a a e s tl me , ng s ve y, nd, bs nt ete nt woul ha ha t ex nd sgnii nt d ve d o pe i tca r s r s i ltgatng a p o r c e ti a a al The ef e,t s f c or we gh i f vor of e ou ce n ii i r ta t d ral nd ppe . r or he e a t s i n a a o ngt stlmen . SeeAs nforDiabldAms.l .v. ppr vi he ete t See s' s e , nc Amoc Oi Co.211F. D.a o I , R. t 469. 5 TheSubsanc andAmounto . t e fopposton t Setlme i Li ii o te nts ght ThenextBe t f t t Cour mus c i i t s t ncea a ountofopposton nnet acor he t t onsder s he ubsa nd m ii t t stlme .'-l r ci oft cas i a i tntfcor' fiumav Am.Ex e sCo. o he ete nt ' lhe ea ton he l s s n mpora a t . p g' . prs , 406F. zda 1 Thus al nu rofobeci s esst tt s tl nti r s na e, supp. t 324. , ow mbe j tons ugg t ha he eteme s ea o bl wh l a h g n mb ro o j ci n wo l p o i e a b ss frtn i t a t e s tlme twa ie ih u e f be to s ud r v d a i o i dng h t h ete n s unr as bl Se i e ona e. e d. - 13- Des t e tbls ng a we ie i bo h Engls a Spanih,s ti up a t lfee hoti pie sa ihi bst n t i h nd s e tng ol-r lne, plc ngn iei USA Toda a s ndi ove l. milonnotc pac t t 762, c a sm e a i otc n y, nd e ng r 4 li i e ke s o 390 l s mber , s a o t eo jcinsd a l t eeweeo yeg t be to sfldrprs ni g1 ca sme e s s f h be t e di h r r nl ih o j ci n ie e e e tn 6 ls mb r. o ne Addii aly,1 me be s oft cls opt d outoft s tl ton l 22 m r he a s e he etemen .Combi d,t s opposton t ne hi ii r p e e t j s . 8 o t s tlme tca s Be a s o t lw r ssa c t t es tlme t ti e rs n s u t 01 % f he ete n ls . c u e f he o e itn e o h ete n ,hs f co weg si fv ro a p o ig t e s tlme t Se i ( ,5 o to t a d41o j cinsi a t r ih n a o f p r vn h ete n . e d. 11 9 p- u s n be t s o 'nfnie i l' ' i tsma'compaedt 8,22, notc mald) i r o 8 803 ies ie . 6 T Stgeo h Pr c e igsa Wh c Sete n hJj hiv dFav r Dimis l . he a ft e o e dn t ih t me t '.Ac e e l os s sa The sag oft pr ee ngsa whi h s tl men i ac e d i ' val t t e ur t t e he oc di t c e te t s hi ve s ' uaed o ns e hat e Pli tfsha a ce st s fcinti or tont a a n if d c s o ufi e nf ma i o dequa eye l t t m e isof heca ea wegh t l va uae he rt t s nd i t ebe tt ofs tlm e agans f t rltga i 'l Ea l s tlm e sa ef vor Se i l de d, h nei s ete nt i t urhe ii ton. d ry e te nt r a ed. e d. n e ' ' s f maldic y ne d notbe tken. 1 ' t or va s over e a ' d. ' Ac or ngt cls c c di o a s ouns , i fc nt s r ha oc redprort s tl nt W hiet s elsgnii a dicove y d cu r i o eteme . l hi a i wasfld onM a c 28,201 a s tlm e wasa cton ie rh 3 nd ete nt nnounc d o J y 1 201 t c e has e n ul 2, 3, he as be pr e n f s etme. dicus e a en oce di g or om i As s s d bove,hi c ewa orgi lypa'oft Hal v Ban t s as s i na l l he l . k t o fAmeia matr wh c wa fld o J y 2 2 2 Cls c u s lh ss e t o e 15 y a s rc te , ih s i n ul 4, 01 . a s o n e a p n v r . e r e ltga i agans A s u a a Chas a durng t ttm eha pr ii tng i t s r nt nd e, nd i ha i s opounde dic r i l ng d s ove y, nc udi de i wines esa r viwi doc e sa t t f c d- a d i ur nce pln ast s if posng t s nd e e ng um nt s o he or e plce ns a a o ats y is l a t ispr biiy ofs c so t me is t pos i er nge ofr over a t lkel te f s o t oba lt uc es n he rt , he sbl a ec y, nd he i y e ns a dur ton oft ltgai Undert e cicumsa s t sa oft pr ee ngsa xpe e nd ai he ii ton. hes r t nce , he t ge he oc di t whi h s tlme wasac e d f vor dim is . c e te nt hi ve a s s s al Fort a he bove c ombi d r s , he Cour fndst tt s tlm e i f r ade t a ne ea ons t t i ha he e te nt s ai, quae, nd - 14- r as bl a nott pr tofc l i n. e ona e nd he oduc oluso C. TheRe onabl ne sofCl s Co e ' Ator y' Fe as e s a s uns ls t ne s es Cl sCouns ha tld anApplc tc f at ne 'f e i t a as el s ie i aim or tor ys e s n he mountof$20 m ilon. li As dic s d m o e f l bel s us e r uly ow,Cl sCouns lsApplcai i as e' i ton sGRANTED . t A1ltg n o alwy rwh rc v r ac mmo f n f r h b n ft fp ro soh rta $ i a t r a e o e o e s o n u d o t e e ei o e s n t e h n g i hi s l orhi c inti en il t ar s na eat ne sf efom t f asawhol ' Boei Co. m e f s le s tted o ea o bl tor y' e r he und e. ' ng v VanGe r, U. 472, (1 0) Thet ommonf ' l i i a opraeeve whee . me t444 S. 478 98 . s c und'anayss s ppr it n r Se Davi v. rcan Su uk M ot Cor , e d Ame i z i or p. t f e a r wilbe pad s pa ael by De e nt . he e wa d l i e rt y f nda s 2 0W L 1 28 6 a + n.4( D. a Ap i 1 2 0 (iigDu i v J h Ha c c u. # . 01 6 3 2 t 8 1 S. 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I i wor h notng t t t a e a f a e r s ti t s c r s anc s woul r r a hi ts t i ha , o chi ve avor bl e ul n he e icum t e d equie gh de e ofs l.Addii ly,cms c gr e kil tona l l s ouns ha be n a t f efontofl nderpl c d i ur nce el s e t he or r e - a e ns a ltgai ii ton. Ta nt t r t f t sa ke oge he ,he acor bovesr ywe ghi f vorofCl sCouns lsapplc i f tongl i n a as e' iaton or at e 'f e . s h,hi Co ti t t$20m iloni ar s bl a ountf at ne 'f e tom ys e s As uc t s ur tnds ha li s ea ona e m or tor ys e s. Cl sCouns ' a ia i f at ne sf esi t amountof$ milon i GRANTED . as els pplc ton or tor y' e n he 20 li s D .Lead Pl ntf Se i e A w ar ai irs rv c d Le Pl ntf Sal t r Sac oc o ha a id f as r i ea d of$5, l i tt i ad ai if va o e c ci s pple or e v c war 000. n ns iutng ltga i r pr s a i pl i if a Sa prvae a t r ys ge r s eki a r med f wha ii ton, e e enttve antfs ct ks i t to ne ne al e ng e y or t a r d t be a pu i wr 'Pi o v Prnc s Cr s Li s Lt ,51 F. ppea e o blc ong. nt . i e s uie ne , d. 3 supp. 133 1 ' zd 4, 344 ( D. a. ) Cls Counslha sae t tt Cls Re es ttveadedi t i tgai S. Fl 2007 . a s e s ttd ha he a s pr enai i n he nvesi ton oft cli s dic r r quess a d s tlm e . de sm iarcic sa es i he am , s ove y e t, n e te nt Un r i l r um t nc ,d t ha f nd cours ve ou i a opra et s i ly r r na t ppr it o pec al ewa d med c a spli tfsf t b ft t ha c e r d. 1 ' l s a n if or he ene is hey ve onf re ' d, ' Ala t hS r s,n . . x nCo p.4 4F,u p. 1 8 , 21 - 9( D. a 2 0 )Noo j cin lpat e v .l c v Ex o r , 5 s p zd l 5 1 8 1 S. Fl. 0 6 . b e to s a ha be n fld a ns Sac occo' a i a i The ef e, Pli if Sa va or Sac occo' ve e ie gai t c i s pplc ton. r or a ntf l t e c i s a i ai f ra $5, s r ie a r i GRANTED. pplc ton o 000 e vc wa d s I Ob e to st t Sete nt V. j ci n o he tlme As ic se a o e 1 ttl b e t r tldeg t be to sTheo j ci n wil eds u sd ds u s d b v , 6 oa o j co sie i h o j ci n . be to s lb ic se be ow . l A .G arr M i c l V ar . t aI y t he l nes e . . 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Ca. r 2 2 2 . rf r ,hs j ci n s 4.Cha Sub i ar Banc 0 ne i Cov r d and R e ea ed b t Setl m e Agr e e se s di y s ee l s y he te nt e m nt - 19- Th Van sOb e t r n x ag et a t s tlme ti i u fce tb c u eBa cOn , e r e j co s e t r u h t he ete n s ns fiin e a s n e a Chas s i a y t twa i ve i r ns a e,i nota de e nta i notc r by t e ubsdir ha s nvol d n ei ur nc s f nda nd s ove ed he a re n . j co sp e e tn me o sag me t t s p o t hsc ne to . Co r a c p s g e me t Ob e tr r s n u r u r u n s o u p r t i o tni n The u t c e t none oft . hem Th Obe t r frtag et a t es tlme tmu tb rj ce b c us Ba On i n ta e j co s is r u h t h ete n s e ee td e a e nc e s o sg t t t s tlm e a e m e orade e nt The f t r t t r ns a epori oft i na or o he ete nt gr e nt f nda . y urhe hat he ei ur nc ton he s hemet tBa Onepa tcpa e i i notc r byt ca eorbyt s tl nt sai i t d c ha nc ri i t d n s ove ed he s he eteme , t tng nsea t tt ca e onl co r i pr rcom m i s ons ha he s y ve s m ope si . 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