White et al v. BB&T Insurance Services, Inc. et al

Filing 95

MEMORANDUM OPINION. Signed by District Judge Glen E. Conrad on 7/23/2012. (ssm)

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M EM O M N DU M O PI I N
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By:
Hon.Gl n E.
e Conr d
a
Chi fUnie St t sDititJ
e
t d a e src udge

BB& T I SU M N CE SERV I
N
CES,m C.
,

çK ,
1
D e e nt .
f nda s

De nsa dLa reW ht (olci l rfre t a çh W hts' a dtert
n i n u i ie c le t y eerd o s s e ie ' n h i wo
ve
t
)
c mpa is Co n rtn Cu tm Ho s LLC Cfo n rt n ' a d Ch r s& M o eHa d ma
o ne , r eso e so
me ,
r eso e' n o e
)
r ny n
Se vc , (t e & Mor') tldt sdi riya to a i tBB&T l ur nc Se vce ,
r ies LLC ç
chors
e',ie hi vest cin gans
ns a e r i s
I (%B&T')a FanuesI lrnc Exc ngetTame sl,ase tngsael cli of
nc.$
' nd
r nsza e ha t r r' sri tt aw ams
ne i nc br c offd ir du y,a br c ofc r c . Thec e i pr s ty be or t
glge e, ea h i uca y t nd ea h onta t
as s e en l f e he

c u t nBB&T' moin frsz r u g n .F rtera o st o t b lw,h mo in
o ro
s to o l
mmayj d me t o h e s ns e f rh eo te to
wilbegr nt i pa t nd de edi pa t
l
a ed n r a
ni n r.
Backeround

The f l ng f c sa epr s nt d i t lghtm os fvo a et t pl ntfs Se
olowi a t r e e e n he i
t a r bl o he ai if . e

An ro v. be t Lo b .n .4 7U. 2 2 2 5(98 )( oigt t 1e i e c mus b
des n Li ry b y I c, 7 S. 4 , 5 1 6 n t ha al v d n e t e
n

c n tu di t elg tmo t a o a et tepat o p sn s mmayj d me t.
o sr e n h ih s fv rbl o h ry p o ig u r u g n )
Fr 1 t 2008, heW hie o
om 998 o
t
ts wneda ope a e anumberofbusnes esi Vigi a
nd r t d
i s n r ni ,
w he e M r W hie he d a g ne a c r c or s lce e. Cor r t w a f m e asa lm ie
r
. t l e r l ont a t ' i ns
ne sone s or d
i td
labiiy com pany i l e 1999 orearl 2000,and Chor & M or w as f m ed asa lm ied
i lt
n at
y
es
e
or
i t

la lt c pa i 200 The W hiesw e e t c pa e 's e ow ne s
i biiy om ny n
3.
t
r he om ni s ol
r.

M r . hiewasr ponsbl f pr urng t compa es i tr nce whi h s
sW t
es i e or oc i he
ni ' nsla , c he
ac ompls d t ough BB&T. n 2001or2002, r .W hiewor d wihBa bar Prc a
c
ihe hr
1I
M s
t
ke t r a ie,
BB&T rpr s nttve, o o an i tr ncef rCo ne sone. Chor & M or si tr nc wa
e e e a i t bt i nsla
o r rt
es
e' nsla e s
nsza e ncude om r i l ne a ibiiy
pr tr d tloug BB&T i 2002 or2003.Thei lr nc i l d c me c a ge r lla lt
ocle ir h
n
co r ge a em pl e di ho t c r e.
ve a nd
oye s nesy ove ag z

l 2005,M i Luca wa hie t wor a a e tma orf Cor rt ne Si mont
n
ke
s s rd o
k s n si t or ne so . x
hs
l tr hewaspr o e t t r eofge r ma e .I t tposton, aspr pa e e tm aes
ae ,
om t d o he ol
ne al nag r n ha
ii Luc
e r d si t ,
s hed e c e s pt c s d m a e i l ,a w or d w ih fel s vi o s H e ha a hort t
c ul d r w , l ha e
r
t r a s nd
ke t i d uper s r .
d ut iy o

e e i o c r ct on Cor rt ne sbe l a t wrt che ksfo isa ount Luc wa a s
nt r nt onta s
ne so ' haf nd o ie c r m t cc . as s lo
r ponsbl f rovereeng Chor s& M or se o s a t
es i e o
s i
e
e' mplyee , lhough hewa pai s ey by
s d oll
Com ersone.
t

l Se e rof2007, heW hie ta l d o oft sa ef s ve a we , ade f
n pt mbe
t
ts r ve e ut he tt or e r l eks he d or
dif r ntdesi tons W hiet W hie we eg
fe e
tna i .
l he
t s r one,
Luca s ntlte st Cor r t s
s e e tr o ne sone'
c t e scai ngt tt W hie ha a ndone t c m pa y.Att s metme, a wr e
usom r l mi ha he
t s d ba
d he o n
he a i Luc s ot
pe s lc c outofCor r t sc k ksa i t u t c t r t gi hi de is
r ona he ks
ne sone' hec boo nd nsr ced usome s o ve m post
i hi pe s
n s ronalna e
m .Luc a s sol t c
as lo t e he ompa e 't s c nge t l kson Cor rt s
ni s ool, ha d he oc
ne sone'
ofi e a beg do ngbusne sa Luc sCusom Ho e .
fc , nd an i
i s s a
t
m s
M r W hie r t r t V igi a ar
. t e u ned o r ni ound Se e be 28 or29, 7, nd M r .W hie
pt m r
200 a
s
t
r t ne a da l t r Upon t i r t n, he c
e ur d
y ae .
he r e ur t oupl di c ve e t tt l kson t door t
e s o r d ha he oc
he
so

1The w hiesobt ned t rpe s
t
ai hei r onali ur
ns ance t ough Far s.
hr
mer
2N eihersi has s
t
de
ubmit copi oft i ur
ted
es he ns ance polci pr ur by BB&T , Howe ,ot
i es oc ed
ver her
evi e i t r d i ca est t com pani wer i ue gener labiiy polci by Ci nnat
denc n he ecor ndi t hat he
es e ss d
al i lt
i es
nci i
I ur nce Company and em pl
ns a
oyee dihonesy bondsby CNA Sur y.
s
t
et

Cor rt sofi eha be n c ng d.A we k lt , heW hie lar d t tt swe em isng
ne sone' fc d e ha e
e aer t
t s e ne ha ool r s i
f o t rba n. The W hiesca l t polc on bo h oc asons
r m hei r
t
led he i e
t c i .
On O c o r 1 2007,o he Com e s o e pl e who had beg w or ng w ih Luca
t be 7,
t r
r t ne m oye s
un
ki
t
s

r t edt va t tbel dt t W hies Bot va ha be n srpped o t i t sa
eum
wo ns ha onge o he
t . h ns d e ti
f her ool nd
ot rc e s Alhough t W hiesc l t polcea i a pr de saeme s Luc was
he ont nt. t
he
t aled he i gan nd ovi d t t nt, as
neve a r t d orc r d wih a c i
r rese
ha ge t rme.
M r .W hiec a t d BB& T on Oc obe 1 200 a s
s
t ont c e
t r 7, 7 nd poket Ba ba a Prc r ga di
o r r i e e r ng

Lu a ' a to s M r, ht rp re ta Lu a ha tt ll 'fo t ec mp ne a dt a t e
c ss ci n . s W i e o td h t c s d t oenl r m h o a is n h t h y
e
s
'
i e dgd t p tn acam. ( W ht De a 48) I rs ns , iepupo tdya v s dM r.
i e e ) o u i li ' L. i p. t . n epo e Prc r re l d ie s
n
'
e
W hiet tt r wasi t ng't tc d bedone, ca et c
t ha he e
û hi 'ha oul
no
be us he ompa e 'ge r la lt
nis ne al i biiy

i s r n eh dlp e f rn npa me t fp e u .( W ht De a 484 ) Al o g te
n u a c a a s d o o - y n o rmims L. ie p. t -9. t u h h
h
com pa e 'i ur e co r ge i ude e pl ye d s
ni s ns anc ve a ncl d m o e i hone t bondst tm i tha c ve e
sy
ha gh ve o r d
s e oft compa es l s s Pr c di notm e ton t bondsdurng he co r a i w ih
om
he
ni ' os e , i e d
n i he
i
r nve s ton t
M r .W hie.
s
t

On No
vembe 3 2007,t W hiesfl d aCha e 7 ba pt ypeii i t Unied
r 0,
he
t ie
ptr nknl c tton n he t
Stt Ba pty Cour f rt W ese n DititofVigi a.Dt i t ba u c
aes nknz c
t o he
tr src
r ni
l ng he nkr pt y
r
pr ee ngs t W hie i c t d t tt c
oc di , he
t s ndia e ha he ompa e ha no a s t a t tneihe t W hie
nis d
s e s nd ha t r he
ts
nort c pa e ha a l ga c ai s a i ta
he om ni s d ny e l l m ga ns nyone The ba u c cou te er d a or r
.
nkr pt y r nt e n de

dic r ng t W hie on Jme23,2008,a onDe e be 7,2008, heW hies Cha e 7
s ha gi he
ts t
nd
cm r
t
t ' ptr
t seefl d ano a s tr por.Theba pt y c s wa cl e on Augus 24,2009.
nzt ie
se e t
nknl c a e s os d
t
I l e 2009 oreary 2010,aferm ovi fom V igi a t Connectcut t W hiesbegan
n at
l
t
ng r
r ni o
i , he
t
w or ng wih an i tr
ki
t
nstance agentnam ed Pati a Savenela. The W hiesas t t s
r ci
l
t sert hat hey oon

dic r t tt y ha r c ve i c ur t a c fo Ba baa Prc r a di t c pa es
s ove ed ha he d e ei d na c a e dvie r m r r i e eg r ng he om ni '
i ur nc c r ge.
ns a e ove a

Ats
omepoi t r fe i 201 t compa espurued ca mst rt i tr nce
nt he ea tr n 0, he
ni
s
li mde he nsla
polcespr ur b BB&T. A1 oft cai swer de e
ii oc ed y
l he l m
e nid.
Thepli if fl t i tnta to o Ocober18 201 as e tng cli sofneg i nc
antfs ied he nsa c in n t
, 0, s ri am
lge e,
br ac oftduc a ydut a br c ofc r c a i tBB&T on be foft co pa es The
e h i ir
y, nd ea h onta t gans
hal he m ni .

pl ntfsaleg t tBB&T taldi (tloblgaint pr depr rpr e sona a c a
ai if l e ha
t ie n is i to o ovi ope ofsi l dvie nd,
f
r lt l pr ra a qua ei u a ec r g whe M i Luca , f nne e oye oft
ea edy, ope nd de t ns r nc ove a e
n ke
s a o r mpl e he

pli tf s sol o r$75, 00i t s ltnum e ousbil gopas due de n e t W hies a
a n if , t e ve
000. n ool, e
r
ls
t , f m d he t , nd

u u p dc po aeo p rt te . ( Co . t1)
s r e o rt p o t is' Am. mpla .
mi '

Fo lwigtec mplto o ds o ey,
lo n h o ein f ic v l BB&T mo e frs mma yj d me t nte
vd o u r u g n o h
c pa e c ai s The c ur he d a hea i on t m oton on M a 4,201
om ni s' l m .
o t l
rng
he
i
y
2.
St
andar ofRe e
d
vi w

Und rRul 5 o teFe ea Rue o CiiPr c dle a a r o s mmayj d me t s
e e 6 f h d r l ls f vl o e t , n wa d f u r u g n i
r
a oprat onl çi t m o nts w st tt r i no ge ui di put a t a m a e i f c and
ppr i e y tf he va ho ha he e s
n ne s e s o ny t ral a t

t emo n i e tte t j d me t samatr lm ' Fe R. v. 5 () l rve n a
h va t s n ild o u g n a
t of a ' d. Ci P. 6 a . n e iwig
e
mo infrs mmayj d me tt ec u t s c n tu t erc r i t elg tmos fv rbl t
to o u r u g n ,h o r mu t o sre h e od n h ih
ta oa e o
t non- ovi pa t Ande s 477 U . a 255. To w ihs a a m o i f s m a y
he
m ng ry.
r on,
S. t
t t nd
ton or um r

j d me tt en n mo n pat mu to fre ie c d mo srtn t ee itn eo ag n n
u g n ,h o - vig ry s fe vd n e e n tai g h x se c f e uie
i s ofm a e i lf c f ti l Se Thom ps v.Pot m a El c.
s ue
t r a a t or r a . e
on
o c e Pow e Co. 31 F. 645,649
r , 2 3d

( h Ci.
4t r 2002)Cç l or ors c ai algai donots tc nordoesame es i il
concus y pe ultve le tons
ufi e,
r cntla

ofe de ei s ppo tofghenon- n pa t s c e.)(ntr lquottonmakso te .
vi nc n u r t
movig ry'j as ' i ena
'
ai
r mitd)
4

Di cus i
s s on

I s e n sl r u g n o t ec mp n e 'cams BB&T ma e t f l wig
n e kig l
mmayj d me t n h o a is li ,
k s he ol n
o

ag me t; 1 ta tecamss o l b b re b ted crn o j d ca e tp l snc te
r u n s ( ) h t h li h u d e ar d y h o tie f u iil so pe, i e h
W h tsfie t ds ls tecamsd rn t i Ch pe 7b nk u typ o e dn s ( )ta te
ie ald o ico e h li u ig her a tr a r p c r c e ig ; 2 h t h
c
ompa e l k sa ngt r s t cli si t i tnta tonbec us t ca msbeong t t
nis ac t ndi o aie he am n he nsa ci
a e he li
l o he

W hie 'ba u c es e;a ()t tt c ni 'camsaebardb t a ia e
ts nkr pty lt nd 3 ha he ompa es li r re y he pplc bl
saut oflm iai nsa a eo he wiewihoutme i.Thec twila es e c oft s
t t es i tto nd r t r s t
rt
our l ddr s a h he e
a glm e si tun.
r l nt n t '
1.

Judi alE s oppe
ci
t
l

Ass tf t a
e orh bove t W hiesfl d f ba r pt yon Nove r30, 07.Be us t
, he
t ie or nk u c
mbe
20
ca e he
W hie wer t onl owne sofCor r t a Chor & M o e,t i o r hi i e essi t
t s e he y
r
ne sone nd
es
r he r wne s p nt r t n he
c
ompa e be nmeas e soft co e' ba u c esae a t ba u c t se ha t
nis c
s t he upl s nkr pty t t, nd he nkr pty nlte d he
a t iyt tke a tonso be l oft co ni a a nit rt c
u hort o a ci
n haf he mpa es nd dmi se he ompa e 'a s t . Se
ni s s e s e,

e. , o oeCa tll v.Fr mus No.09- 5 201 Ba .LEXI 962,a * ( . N.
g.M nr
pia. nc. u a,
21 27, 0 nkr
S
t 22 W D. Y.
Apr 1 201 .BB&T a g t tt co ni ' camsi t i tnta tons dbebar
. 4, 0)
r ues ha he mpa ess li n he nsa ci houl
red

b t d crneo j d ca e tp e, ic t ecamsween td sl e dli t W hts
y he o ti f u iil so p l sn e h li
r o icosd t ng he ie '
r
ba r pt y pr e ngsa t W hie i t a as e td t tt c m pa e had at a va ueof
nk u c oc edi
nd he
t s nse d s re ha he o ni s
ot l l
one dola .
lr

t udii esoppeli aprnc pl de l dt pr ve apary fo tki aposton i a
t cal t
l
s i i e ve ope o e nt
t ' m a ng
r
ii n

j dca p o e dn ta i ic nsse twihasa c p e o sytk ni c u t'Zikln v.
u iil r c e ig h t s n o itn t tn e rviu l a e n o r. n a d
'
Br 478F. 634,638( hCi. 07) Beor j cilesoppeli a id,t e ee nt
own,
3d
4t r 20 . f e udi a t
s pple hre lme s
m us be s ts
t a i fed:
5

Fis,t pa t s htt beesoppe mus bes e ngt a
r t he ry oug o
t d
t e ki o doptaposton
ii
t ti i onsse wih asa et ke i pro ltga i Theposton a
ha s nc it nt t t nc a n n i r ii ton.
ii t
i s m us be one off c a oppos d t one of1 w orl alt r
s ue
t
at s
e o
a
eg heo y.
Sec nd, heprori onsse posto mus ha be n a e ed b t
o t
i nc it nt ii n
t ve e cc pt y he

c u t La t ,hepa t a ans who j dca e tp e i t b a ple
o r. sl t ry g i t m u iil so p ls o e p id
y
mus ha i t ntona l m ild t co t o gan t ara
t ve n e i ly se he ur t i mf i dvantge.Thi
a
s
ba f ih r quie e i t de e mi tve f t .
d at e r m nt s he t r nai acor

1 (nen l iai n a q o ai nmak o te ) Co rsfe u n l a pyted crn o
i.itr a ctto s nd u tto r s mitd . u t rq e ty p l h o tie f
j dca e tp l e aplitf c n e l t ee itn eo alg l li b o tngifo a
u iil so pe wh n an if o c as h x se c f e a cam y mit t r m
i
ba k u typ tto W hte v. r d s l c, 01F.d2 , 41(t Ci. 01 ) Asi a yoh r
n rp c eiin. i n F e '.n .6 3 31 2 4 h r 2 0 . n n te
t
c s i vi t docrne,as wi ofba fihi r uie Seel (eci ngt fndt tt
a e nvol ng he ti
ho ng
d at s eq r d.
i d lni o i ha he

plitf wa et p e fo p run h rcam sn et r wa n s o ngof df i ; e as
an if s so p d ' m u s ig e li ic hee s o h wi ba at s e lo
r
h)
DeLe nv. mc rI d s.n .3 1F.d 1 9, 2 ( 1hCi. 0 3 ( odn t t u iil
o Co a n u .Ic, 2 3 28 1 91 1 t r 2 0 ) h lig ha j d ca
eso lba sapl i iffo purui cli st twe eno dic os d t t ba u cycou t
t ppe r
antf r m
s ng am ha r t s l e o he nkr pt
r

wh nth panifb t k e a o tteu d sl sdcamsa dh damoi t c n e l h m'
e t e litf o h n w b u h n ico e li n a
t
t o o c a t e ).
ve
I t i t ntc s ,t W hie fld f ba pt y s ve a we ksa trdico rng M i
n he nsa a e he
t s ie or nknl c e r l e fe s ve i
ke
Luc s saleg m ide ds Howe r t r i no e de et tt W hie we ea r ofa
a ' l ed s e .
ve , he e s vi nc ha he
t s r wa e ny
pot nta cli sa i tBB&T d i t c s o t bn pt ypr ce di .Tot c r r
e i l am gans
urng he oure f he nknl c o e ngs
he onta y,
t W hiesc end t tt y di notbe m ea r ofa pot nta c am suntl201 a trt i
he
t ont ha he d
co
wa e ny e i l l i
i 0, fe her
ba pt y c ewa cos d.Ont sr c d, hec ti smpl una et concudet tt
nknz c as s l e
hi e or t our s i y bl o
l ha he
W hiesi e i ly c
t nt ntonal once l t i cli sfom t ba r pt ycour ort tt y ot r s
aed her am r he nk u c
t ha he he wie

a tdi ba fi Ac o dn l,otee tn BB&T se ssl r u g n o tego n o
ce n d at c r igy t h x e t
h.
ek l
mmayj d me t n h r u d f
j d ca e tp e,h mo inmus b d n e
u iil so p l te to
t e e id.

6

II.

St
andi
ne

BB&T at ai l a gue t tt c
lem tvey r s ha he ompa e 'cli ss d bedim is f rl c of
ni s am houl
s s ed o a k

sa ng,snc t cai sa nz d be or t W hie fl f ba u c AsBB&T
tndi i e he l m cc e f e he
ts ied or nkr pt y.
e pha i s t pr ry ofaban u cyesa el ncude a loft de o ' i e e t i a c us
m sze , he ope t
kr pt tt ç l s 1 he bt r s nt r ss n ny a e
i

ofa ton t hasa r d prort t ba u c peii ' M il rv.Pa .Sho eFundi 287
c i hat
cc ue i o he nkr pty tton. le
'
c
r
na,

B. 4 ,5 ( M d 20 2 (iigTin rv. r is n, 2 F.d9 7 9 0 8 ( t Ci.1 8 :.A
R. 7 0 D. . 0 ) ctn g o Pakn o 7 9 2 7 , 8 - 1 4h r 9 4
l ga cli orot rpr ryoft de t t
e l am
he ope t he b or t note c pet ba u c esa em e ey be a e
does
s a he nkr pty tt r l c us

t ed b o i t wa eo ise itn e' I Ad iin l i ifac us o a to i pat fte
h e tr s ma r f t x se c . d. dto al û l a e f cin s r o h
'
y, l
esae oft ba ptt n t tuse a oneha sa ngt brngt tca m . Na ' Am . ns v.
tt
he nknz he he r t e l
s t ndi o i ha li ' tl
'
I .

Ruppe tLa c pi Co. 1 F. 439, ( hCi.1 99) A cam ma bepurue bya
r nds a ng , 87 3d
441 4t r 9 . li y
s d
de oronl upon as wi t tS hecai wa e mptfom t e tt ora ndonedby t
bt
y
ho ng ha i l m s xe
t
r he sa e ba
he
t s e ' M il r 287 B . . t50.
nz t e.
' le ,
R a

Appl ng t eprncpl s t c tco ude t tt c
yi hes i i e , he our ncl s ha he ompa e lc sa ng t purue
ni s a k t ndi o s
t c am sas e t i t i t nta ton.l i t s e t tt cli sac r e be or t
he l i
s red n he nsa c i t s mdiput d ha he am
c u d f e he
W hiesfld f ba pty,a t us t tt y a epa t t c e' ba u c esae.
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'
aleg tons t c ta ee w ih BB& T t tt s t t oflm ia i bega t r n on orbe or
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t be 7,
s
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cins a d s l e l od h t h r s t tig'h
e
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t
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r s le i a yij r o d ma e
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a
dequae i tr nc hadbee obt ne Se Aut nRi .L. v. or a ofVa. ns A g nc
t nsla e
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I ,61 S. 2d435,440( 2005 (tW l nt i e di urds f sal s t me tr
nc. 3 E.
Va. ) tl he he ntnde ns e ufer os,he asle
ofdn a s f r f lle t pr ur i ur nc i t a ountt tw oul ha be d unde t
m ge o aitr o oc e ns a e s he m
ha
d ve en ue
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Va Ci.
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obti di trnc c vea fom t pli if); ddi v. neiilI .580P. 955,956
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n he nsa a e he antfs ve r fe ed
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d ve ove ed he ompa es l s ca e byLuc s saci ,o he t n t po ii s
ni ' os es us d
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pr medS i s itru in i ma '( . hieDe a 6)t pli if ha pr uc dno
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fo Luc ' c
rm
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1
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deca ai n fom Pa rc aSa ne l,t W hie 'c r nti tr ncea nt W hiet de lr ton
lr to r
tii ve la he
t s ure nsla
ge .
l he ca a i
i l
nc udesa pa a a ls i t s o i ur ncepolc e t tSa nela çe c e ' he W hie t
r gr ph i tng ype f ns a
i i s ha ve l ç xpe t d' t
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ha ba e on t rt t ndi i t co uniyy'he d lr ton pr desno i c tont ta y
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ha ofa e pl e.
nds n m oye s

I sl teplitfsha ep o frdn e ie c fo whc ara o a l j r c udfnd
n l h an if v r fee o vd n e r m ih e s n b e u y o l i
m,
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valbl ha
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ni s os es n he
a e ofs h e de ,t c pa tsa e una e t esa i h a e s n i le e e oft i
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cli sf neg i nc a br a h ofc r c .Ac or ngl t c tc l dest tBB&T i
am or lge e nd e c
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Faiure t provi accurate i orm at on reeardi t com pani
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l t i ne i nce c m ta ai tBB& T,t pl ntf sa s as e t ha Ba ba a Pr c
n he r glge
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mir pr s n e on Oc o r 1 200 t tt co ni ha no i ur nc c ve a unde t
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t , po
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he
c
ompani 'l s s Prc di n me i t bondsd i he c
es os e , ie d ot nton he
urng r onve s ton wih M r .W hie.
rai
t s
t

Thepli tf sc e t ti wa no un i 201 pr uma y whe t W hie beg n wor ng
a n if ont nd ha t s t tl 0, es bl
n he
ts a
ki
wih t i ne i tr ncea nt t tt l n ne t tt co ni c d ha fl cam s
t her w nsla
ge , ha hey e r d ha he mpa es oul ve ied li
t rt e tng polces W ih r s c t t c
mde he xii
i i . t e pe t o he ompa e ge r lla lt c r ge t
nis' ne a ibiiy ove a , he
pl ntfsdico r d t t compa es polce wee oc ure e- e and, hus t tt y
ai if s ve e hat he
ni ' i is r c r nc bas d
t , ha he
pr de cove ag f l s st toc ure durngt polc pe i e n i t polc e r d
ovi d
r e or os e ha c r d i he iy rod, ve f he iy xpie
be or t c am wasfld.
f e he l i
ie

I mo igf rs
n vn o ummayj d me to t emeiso t i cam,
r u g n n h rt f hs li BB&T frt r u sta te
is a g e h t h
cai i tm e ba r d.Ast pli if c r c l no ei t i bre i opposton,howe r t
l m s i - re
he a ntfs ore ty t n he r if n
ii
ve , he
c
ompa es cli f pr es i lne i ncei g r d by Vigi a' t eeyea sa eof
ni ' am or of sona glge
s ove ne
r ni s hr - r t mt

lmia insa i bl t o a c r cs Se Br wni v.Ti e ' EveBe f Cons tng.nc,
i t to pplca e o r l onta t. e o nc
c rs
ne hs
uli I .

31 F. p' 65 6 4( t Ci. 0 )Cç d rVignalw, cam frp o e so a n gie e
3 Ap x 6, 6 4h r 20 9 un e r i i a a li o r f sin l e lg nc ,
at h s ndng i t t i c nsde e a a ton f rbr ac ofc r tf pu pos oft
lhoug ou i n or, s o i r d n ci o e h ontac or r es he

saut oflmiai bec us t lga cli i got di c rc 1w.'.Thecli a c u ,
tt e i ttons a e he e l am s r mde n onta t a '
)
am c r es

a dt sau eo l tto b gnst r n o t ed t o t eç ra h' l .ctn Vigni Co e
n he tt t f i ains e i o u , n h ae f h i e c . d (i g r i a d
mi
b
'
i
j8012 0 .
. -3 )
Thebr ac a s cit d wih t spa tc arcam ofneglge oc ure on Oc o r17,
e h s o a e t hi ri ul li
i nce c r d
t be
2007,whe Prc ale dl m ir pr s t d t tt c
n i e lge y se e en e ha he ompa e 'i ur eha lps d a t t
nis ns anc d a e nd ha
t r wasnot ngt c
he e
hi he ompa esc d do.Ac or ngl t c
ni oul
c di y, he ompa esha t eeye r , untl
ni d hr
a s or i
M onda Oc obe 18 201 t pur ue t sc a m aga ns BB & T. Bec us t orgi c pl i
y, t r , 0, o s hi l i
i t
a e he i nal om a nt
a s r i s h c ai w a fl on t tda e t cl i i no ba r d b t s a ut oflm ia i ns
s e tng uc l m s ied
ha t , he a m s t r e y he t t e i t t o .
14

Thec ti alo una et c ncude bas d ont c r ntr c d,t tt ca m i
our s s
bl o o l , e
he ure e or ha he li s
ot r s wihoutm e i. W hieBB&T c e t tt c
he wie t
rt
l
ontnds ha he ompa e 'cai swe ede e if
nis l m
r ni d tor
r a o t tha nohi t do wih t dea d r pori 'a t , ha t r i i e de eof
e s ns ha d t ng o
t he lye e t ' nd, hus t t he e s t vi nc
ng,
no
da a t o i ' f om Pr c s a l ge m i r pr s nt tons t e d e i i c lc i t s
m ges l w ng ' r
i e' le d s e e e a i , he vi enc s n onfi t n hi

r r ( .i Supp. Slmm.J a 28. W he ake whehe a oft i urnc cams
egad. Br n
of x
.t )
n s d t r ny he ns a e li
s
ubmitd i 201 we ede e be a et y we et i ey, r .W hiet tfe t tCNA, he
te n 0 r ni d c us he
r mtm l M s
t esiid ha
t

e ly eds net c n e ,ç g t a e. . ad. . o ti g. .ot ee fc t tg ecam
mpo e iho sy a i r t h h v . si . s meh n . t h fe tha t li
mi
h
wa fld tr ey asp s t eo c re c . ( W ht De . t . Mr . ht ' tsi n i
s ie ) h e e r a t h c u rn e' L. ie p a 51) s W ie s e tmo y s
'
s
uppore by a Ocobe 29,201 lterfo CNA,whih i t onl doc nti t r c d
td
n t r
0 et ' m
r
c s he y ume n he e or
r ar ng t pl i if '201 cli st rt e oye dihone t bo .Tha lte pr de ,
eg di he antfs
0 am mde he mpl e s sy nds
t e tr ovi s
i pe tnen pa t a f l :
n ri t r, s olows
I r ga d t t bond f rCom e soneCusom Ho e ,LLC,we no et s
n e r o he
o
rt
t
m s
t hi
bond wasca ele asofFeb t y 1 2008.Los mus bedic r
nc ld
rz 9,
ar
s t
s ove ed
whie t bond w a i f r a whie i i pos i e you di c r t
l he
s n o ce nd
l t s s bl
s ove ed he
l swhiet bo wa i f c youhaveno c
os
l he nd s n or e,
t omple wih t tr so
id t he e m f
Sec i 1 r r ng nott a i o t l s I you di c r d t l si
ton 3, ega di
ik ton f he os . f
s ove e he os n
2007,y nee d t pr deusw ih notc w ihi 1 da oft tno i
ou de o ovi
t
i e t n 5 ys ha tce
a t pr vi us wih a Pr fofLos w ihi f z m o hs oft tnotc
nd hen o de
t
oo
s t n olr nt
ha
i e.
Plas ad s why wewe eno no ii d ba k i 2007. W er e vet
e e vie
r t tfe c n
es r he
rghtt de c ve a due t t l t r pori
i o nv o r ce
o he a e e tng.

( f' Ex.1 (mp a i a d d .
De .s
2) e h ss d e l?
Addii l t pl i if ha pr f r d e de i c tng t tCi nna iI ur nc
tonaly, he antfs ve ofe e vi nce ndia i ha nci t ns a e,
t gene a la lt ca re ,pa d a c a m f s ol n t st tw a fl d by Cor r t i A prlof
he
r l i biiy r i r i l i or t e ool ha s ie
ne s one n
i

200 butde edt c am st twe es itd b t c
7,
ni he l i ha r ubm te y he ompa e i 201 W hie BB&T a gue
ni s n 0.
l
r s
7W hie ot evi e i t r d suggesst t empl
l her denc n he ecor
t hat he
oyeedihonesy bondsonl pr de
s
t
y ovi
cover i t eventt an empl
age n he
hat
oyee i convi ed ofa c i e,t spari arlterdoesnotexpr ssy
s
ct
rm hi tcul e t
e l
comm uni t such r r
ca e
equiement andt bondshave notbeen s
,
he
ubmit by eihersi
ted
t
de.

15

t tt c am sa editngu s bl,be a et Aprl2007cli wasf t st twe esol n by
ha he l i r si iha e c us he i
am
or ool ha r t e
a t r pa t r t rt n a e pl ee t de e n ha no pr vi d a e de e t s
hi d ry, a he ha n m oy , he f nda t s t o de ny vi nc o uppor
t
t s a gtm e t I e t r c d i de d ofa w rte c m t i a i f om Ci nna i
hi r l n . nde d, he e or s voi
ny it n om m c tons r
nci t

r ga di t 201 ca ms a net rt ge r la lt polc e nort e o diho t
e r ng he 0 li , nd ihe he ne al ibiiy ii s
he mpl yee s nesy
bondsha be n s
ve e ubmit by et rsde
ted
ihe i .
Bas ont c r ntr c d a i t a e eofa ot re denc r a di t de a
ed he ure e or nd n he bs nc
ny he vi e eg r ng he ni l
oft c pa es c a m s fl d i 201 t cour i t
he om ni ' l i ie n
0, he
t s mabl t conc ude t tt c pa e we e
eo
l ha he om ni s r
notha m e b Prc saleg m i r pr s nt tons Cons que l BB& T' m o i f s x m a y
r d y i e' l ed s e e e a i .
e nty,
s ton or l
m r

j d me to t i g o n mu tb d ne .
u g n n h s r u d s e e id
Thec ti lke s t bl t c ude fo t c r ntr c d,t tt cli i ba r d
our s i wie ma e o oncl , r m he ure e or ha he a m s re
by t doc rne ofc rbut y neg i nc
he ti
onti or
lge e.Cii t V igi a Supr m e Cour ' de i i n i
tng he r ni
e
ts c s o n

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n r l n . Pa e 4 4 E.d 4 Va 1 9 ) BB&T c n e d ta teW htswee
o tn s h t h
ie r
c rbut rl ne i e ,asama trofl w,be us t y f ld t r a t c
onti o iy glg nt
te
a
ca e he aie o e d he ompa e 'i ur e
nis ns anc
polc e untl201 l Pa ,a i tr d s d a i tr nc br ra isage ,c am i t tt
ii s i 0. n ge n nsle ue n nsta e oke nd t
nt l i ng ha he
a ntwasne i nti f ii t pr ur ade uaei ur nceco r geag ns l s t pl n if
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s t i d a ar s tofafr L. a 3
usa ne s e ul
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aiur o e d he ns r nc
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te
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ag ns hi i urncea nt L=a 3 I ra hi t sdecson,howe rt SuprmeCour
ai t s ns a ge . d.t 45. n e c ng hi ii
ve,he
e
t
e
mpha iedt tt c r gelm isa is we ecla l saed ont i ur ncepolc çI t
sz ha he ove a i t t s ue r e ry t t
he ns a
iy:$n he

p e e tc s , k r( i u a c a e t h n e Pa e( ei s rd t ei t a c poiyta
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he
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r
c
sa e pl nl on isf c t tt buidi wasi ur d f $ 0 .... I
t t d ai y t a e ha he l ng
ns e or 20,00
' d.
'

16

I t i t ntca e noneoft i tr ncepolc e pr tr dby BB&T ha be n s
n he nsa
s,
he nsla
ii s oc le
ve e ubmitd
te
by eihe sde. W iho benga et r vi w t a i a epolces t c ti t bl t
t ri
t ut i bl o e e he pplc bl i i ,he our s ma e o
c l asa ma troflw ,hatt scli i ba r by t do ti o co rbut y ne i e e.
oncude,
te
a t hi am s red he c rne f nti or glg nc
Conc us on
l i

Fo ter a o sae ,
r h e s ns ttd BB&T' moinf rsl r u g n wil ega tdi p r a d
s to o l
mmayj d me t lb rn e n a t n
de e i par.Theca ewilbesa f sxt ( da t afodt W hie t opporuniyt
nid n t
s l tyed or i y 60) ys o f r he ts he
t t o
as t ba pty c t o r ope t bankr pt y c s t pe tt t se t dee newheher
k he nknl c our t e n he
u c a e o nni he nzt e o tnni
t

t ado ora ndon t r mai ng c am .Att concuson oft sxt y pe i i i
o pt ba
he e ni l i
he
l i
he i pda rod, t s
e
xpecedt tt W hieswilha pr s n edt c et t t se a t tt tu tewilha
t ha he
t
l ve e e t he as o he nzt e, nd ha he r se l ve
et rs
ihe ough hi s tmton a apa t i i e e t e e td t a ndon t r m ani ca m,or
t s ubsi i s ry n nt r s, l ce o ba
he e i ng li
r quese a tonal i et r vi w r e nte de e.Abs ntoneoft eaci ,he
e t d ddii tm o e e elva vi nc
e
hes tons t
r m ai ng cl i wilbe di m i s d a t e oft s xt da pe i f r l c of s a ng.
e ni
am l
s s e t he nd he i p y rod o a k
t ndi

The Cl r i diece t s nd c rii c esoft sme o a um opi o a t
e k s r t d o e e tfed opi
hi m r nd
ni n nd he
a ompa ng or rt alc ms ofr c d a t RoyV.Cr as Es , S. e f r on St,
cc
nyi
de o 1 ot el e or nd o
e y, q.213 J fe s
.
Suie 91 Roanoke VA 24011.
t 5,
,

E s Ti a yoll,02
xT R:hs 3va fuy21.

ChifUnie Stt sDititJ e
e
t d ae src udg

17