Morgan v. Wells Fargo Bank, National Association

Filing 28

MEMORANDUM OPINION. Signed by Judge Samuel G. Wilson on 02/21/2014. (rkc)

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CL ERKS OFFI U.:. SI O URT CE DI AT ROANOKE,VA FI LED I TH E U NI N TED STA TE S D I STR I C O U RT CT FO R TH E W ESTERN DI STR I O F VI G I I CT R N A R O AN O K E DI I O N V SI FEB 21 2 1 01 J C. ULW DUDLEY CLERK B K LEJUANA ALI M ORGAN, CE Pl ntf ai if, Ci lA c i N o.7: v1 vi t on 13c 37 V. M EM OM NDUM OPI ON NI W ELLS FARGO BANK ,NATI ONAL ASSO CI ON , ATI By:Sam ue G.W is l lon U nie St e D it i tJudge t d at s s r c D ef endant . Th si a a to b Pli tf, j a aM o g n(t r a ', le i gt a h rf r r i s n cin y anif Leu n r a $ g n' alg n h t e o me Mo ) e oye , el Fa g Ba N. (< e1 Fa g ),vi at t Ame ia wihDia lte Ac mpl r W ls r o nk, A.tW 1s r o' ol ed he rc n t s biiis t Cç ', U. C.j1 01 1 1 ( et201 ,bytnni tnghe bec us ofhe alge ADA' 42 S. 21 - 21 7 W s 4) e nai r a e ) r le d dia lt aco im ,a by r t itngagans he f re r sng he rgh sunde t Ac . s biiy, l hols nd eala i i t r o xe cii ri t r he t W el Fag h smo e f rs mmayj d me to teg o nd t ti tnniae h rfra ls r o a v d o u r u g n n h r u s ha t e n td e o l tma enon- s rmi t y a no r t it y r as egii t dic i naor nd n-eala or e on- bec us s f l t a r t W el a e he aied o dhe e o ls Fa go' m a t y a t nda e polcy. The co tag ee a t r f e p a s W els Fa go' r s nda or te nc i ur r s nd he e or nt l r s mo inf rsl r j d me t to o l mmay u g n . 1 . W el Fa go i anai na bankt te oysove 270, e oye .I J nua y2011 ls r s to l ha mpl r 000 mpl es n a r , W elsFa go hied M or n t wor a isc l ce eri Roa l r r ga o k t t a l nt n noke,VA. W elsFa go c i r l r onsde s e ly eatn a c e s n il ot c l c n e ' p o u tvt a dcamsis be t al mpo e te d n e se ta t he al e trs r d cii n li t u j cs l yl 1 o g nt d rt dt a h ratn mwewa e s nil ot ep roma c o h r o d te a d M r a m e soo h t e te d s s e ta t h e fr n e f e j b u is n t ea h t m m e rde nd upon onea t r Onet a m e rsuns he ed a enc hat c en mbe pe ed no he . e m mbe ' c dul bs e f ha i a mpl e ec i s o t e oye t ama t y a t nc polc 2 Undert tpolcy, e ch e oye r eve af ry mpl es o nda or tenda e iy. ( hotratnda a ountbaa ef uns he e a e s Ea tmea e o emis 40) z te nce cc lnc or c duld bs nce . ch i n mplye ses wor wihoutfrtobt i nga ova fom as r ior t hotr m is d a e de t fom t t k t is ani ppr l r upe v s , he zs s e r duced r ha e pl m oyee' at nda ea ount Oncea e oyee satnda a o ba a r ac s s te nc cc . n mpl ' te nce cc unt l nce e he negai f t one(41)o l r W elsFagoc i r t e oye t bei vi ai ofis tve ory- - r owe , l r onsde s he mpl e o n olton t ma d tr a tnd n epoiya ds b e tt i daetr n to n ao y te a c l n u jc o mme it e miain. c An e o ewhom W el Fa goco i r t bei vi ai n ofisa tnda epole , mpl ye ls r nsde s o n olto t te nc iy howe r m a c eba k i o c ve , y om c nt ompla e i t e o s e a o a nsia ova 'f inc f he mpl yee e ks nd bt i dpm l' or e nough ofhi orhe uns dul a e es ie ,i he or s ge se s r che ed bs nc - . . f he t nough uns hed e abs nc s c ul d e e e us d by W el Fa go.W el Fa g hasesa ihedpolcist ta l e us lf rm e ca , xc e ls r ls r o t bls i e ha low xc a o di l s ta l ng-e m d s biii s FM LA,a ot rsmia pup os s To ha s h a hor nd o t r i a lte , nd he i l r e. ve uc n uns he ed a e e e us d,hee oye m us caleihe W e l Fa go' Le veM ana m e c dul bs nc xc e t mpl e t l t r ls r s a ge nt t m orA c om m oda i t m , de ea c tons ea pendi on t r as f t a e , a d r ue tt ti ng he e on or he bs nce 3 n eq s ha t e us t a e xc e he bs nce.Afe m a ngt r ques,t empl tr ki he e t he oyeemus f l up by s itng t t olowubm ti he rq iiep p r r l W el F r ofn st er q et u tfe u d rise tbls e p lce ,t e u st a e wok. f ls a g i d h e u s j siid n e t sa ih d o iis i w ile us t a e e,a t a e w ilno e taga ns t e pl ' a t nda e l xc e he bs nc nd he bs nce l t oun i t he m oyee s te nc a countbal nc c a e. Liea1 mply e , o g nb g nh re ly n wihap st f ry( 0 atn a e k 1 e o e s M r a e a e mpo me t t o ive o t 4 ) te d nc i a cot ba a e. Howe ,M o g quikl di nihe he a c c mt l nc ver r an c y mi s d r c ountba a et z r M or n' l nc o e o. ga s plce a tonalsr i on t o he e pl eswho woul ha t c a d ddii ta n he t r m oye d ve o overt a e e sdaiy he bs nte' l rs e pons biii s M or n' D e 48: - 55: 56: N e ' De 1 1 1 4. i lte . ga s p. 1 6, 9- 6; als p. 4: - 5: 2M o g nk e ta s wa s b e tt teatn a c p lc a dc ul b tr n tdf r r a n w h t he s u j c o h te d n e oiy n o d e emiae o vi a i i. or n' D e 56: 23. ol tng t M ga s p. 73Lea M a m nt ndl s e t or ho tt r s biiy e ve ong-e m s lt e ve nage e ha e r quess f s r -e m di a lt l a , l t r di abiiy l ave, c r ii m edi all ve, FM LA l ve. A c m oda i ha e r ques sf m edi al e tfed c ea and ea com tons ndl s e t or c a commoda i a m e c lla t tdot notqualf asc tfe medi ll a c tons nd di a e vt ha s iy erii d ca e ve. 2 s r ior J da Ne ,s upe v s , or n al pokewih M or n a wn ne he oft c e nc ofvi ai t t ga nd r d r he ons que es ol tng he a tnda epolcy,whi h M or n unde sood.M or n con i dt m iswor Dt ngt l s te nc i c ga rt ga tnue o s k. ui he a t we kofAprl2011 M o ga misdt e co ec i da ( i 28t Aprl30) he ni h, e i , r n se hr e ns utve ys Aprl o i , r nt t t a elven h uns hed e a e sd ng at n we k pe i The e t eea e es en h, nd e t c uld bs nce mi e e rod. s hr bs nc rduce M or n' atnda a ountbalncet negai f t fve(45,whihca e he t e d ga s te nce cc a o tve ory-i - ) c us d r o be i vi a i oft m a t r a t nda polc n ol ton he nda o y te nce i y. Thoug M or n s e up f w or on M a 1 s di notr ques t tLe ve h ga how d or k y , he d e t ha a M a eme o Ac omm oda i exc et pr e ai a e e . M or n wa of o M a 2, nag nt r c tons us he oblm tc bs nc s ga s fn y a o eagan m is d wor wiho pe m isont f l ng da M a 3, educngM or n' nd nc i se k t ut r s i he olowi y, y r i ga s a tnda e a c mtba a e e n f rhe .Asa c e nc t ts me da M o ga s te nc c ot l nc ve u t r ons que e, ha a y, r n' s r ior N e ,s upe v s , al oughta obt i H lm an Re otr e' a ovalt t r nae M o ga 4 The o e mi t r n. nd a ned l s lc s ppr ne da Ne c le M or n, xt y, al a ld ga who wa a i a e , o i or he t ts wa t r i t d f s ga n bs nt t nf m r ha he s e m na e or vi a i t m a t y a t nda e polc W he M o g a w e e M or n t d N e lt ts ol tng he nda or te nc i y. n r an ns r d, ga ol a ha he wa i t pr es ofc ki i o ar biiaton te t e c nt rf alohols a ha s n he oc s hec ng nt eha lt i r am nt e e or c im nd d ac ualy r t l eque t l a t day be or w ih Le ve M a gem e . Thi w a t fr ttm e t t s ed e ve he f e t a na nt s s he i s i ha Ne l o a yo h rs pe vs r wa e e t l o ma ea r t a M o g nwa sr g l gwi a ( r n t e u r io ) s v r od r d wae h t r a s tu gi t n h alohols a s e ng te t e . or n' De 1 4- 22: Ne ' De 1 5- 20: 25. c im nd e ki r am nt M ga s p. 20: 1 2; als p. 5: 25, 7Unde t c r tm sa es Huma Re ozce r s i r he icz t nc , n s lr s e cnded t t r i ton a gr nt d he e m na i nd a e M or n la t s e te t nt N e lc le M or n a i onne he t ts woul r m an a ga e ve o e k r a me . a a ld ga nd nf d r ha he d e i n e pl ,a W e l Fa g w oul r val t he a e e a t rs r ce ved t e t e . W e l m oyee nd ls r o d ee ua e r bs nc s f e he e i r a m nt ls 4N ea had t a hort t t r i t and di c plne M or n on herown ac d, butc pa l he ut iy o e m na e si i ga cor om ny polc pr de t s s d fr te tr t tt t r i ton w a w a r nt d by c a tng i y ovi d hat he houl i s ns le ha he e m na i s ra e ont c i H um a Re our es Se N ea ' D e 11: 3;M bos 'De 1 1 1 n s c . e l s p. 9-1 s p. 0: 3- 6. 3 Fa go e us d M or n' M a 3 t J y 5a e e ass r-e m dia lt l vea he J y 6 r xc e ga s y o ul bs nc s ho ttr s biiy ea nd r ul t J y 1 a e esasc rii m e c lla . o ul 8 bs nc e tfed di a e ve O n J y 1 M or n r t ne t w or W he s r t e N ea t d M or n t ts ul 9, ga e ur d o k. n he e um d, l ol ga ha he ne d t c a tLe ve M a e e t e t bls whe he a ofhe a e e be or M a 1 ede o ont c a nag m nt o sa ih t r ny r bs nc s f e y co d bee us d.Ot r s a Ne m a pl n,M or n woul r m an i vi ai n oft ul xc e he wie, s al de ai ga d e i n ol to he ma d tr atn a c p lc a ds be t oi d aetr n to .M o g nte c na tdt n ao y te d n e o iy n u j c t mme it emi ai n r a h n o tce he Le ve M ana m e t n a r ue t d t ti e us he Aprl29 andAprl30 a e sas a ge nt e m nd eq se ha t xc e r i i bs nce ce tfe m e ca l a s itng a c yp i docor snot i s rii d di l e ve, ubm ti r tc t ' e n uppor t r d i ise iet t hat ea n t ntr y: dpl as e us t pa i ntf om w o k on A pr l29,30,2011. ECF N o.1 1 ç e e xc e he te r r i 5 ' 8- 0. Le ve M a ge e i or a na m nt nf med M or t ts di notqualf f ce tfe m e ca l a gan ha he d iy or riid di l e ve bec us an e pl e q lfesf c r ii d m e c l a onl afe he c ton ca e he t a e m oye ua ii or e tf e di al e ve y t r r ondii us s r o misfvecons utvewokda ( s nc e utvec lnda da ) ECFNo.1 3a 1 ( e1 s i ec i r ys or eve ons c i ae r ys. 6- t 6 W 1s Fa g ' Te m Me e Ha d o k .Le v M a a e n i se dr drce Mo g nt t e r os a mb r n b o ) a e n g me t n ta e ie td r a o h û c moda i t a . l a s hert tat t om Ac tons e m ' t dvied ' ha lhough s di notq lf f rc rii m e ca he d uaiy o e tfed di l lave s s d c a tt Ac e , he houl ont c he comm odai t a ,whi h wo d r vi w he doc o ' not . tons e m c ul e e r trs e M or n di notc ac t m .M or n no a ist ts di no a t ly vii adocoron ga d ont t he ga w dm t ha he d t c ua l st t et rda butwasi t ad a hom edrnki M or n' De 92: 20,99: 4- 02: Bec us ihe y nse t i ng. ga s p. 51 1 20. a t M or n f ie t ha W e l Fa go exc ehe pr e tc a e es s r i d i vi a i ga a ld o ve ls r us r obl ma i bs nc , he ema ne n olton o isatnd n epoiy a ds be tt i daetnniain.Asac nsq e e Ne l o g t f t te a c l n u j c o mme it e n to c o e u nc , a s u h a obt i Hum a Res lc 'a horzai t t m i t M or n, W elsFar t r i t d nd aned n otr es ut i ton o er na e ga and l go e m na e heron A ugus 10,2011. t 4 1 1. M or n c a m s t tW e l Fa go vi a ed t A D A by t r i tng he e pl e ga l i ha ls r ol t he e m na i r m oym nt bec us ofhe a l e dia lt a by r t itngagans he f r quesi a a omm odai a e r leg d s biiy nd ealai i t r or e tng n cc ton undert ADA. I r po e,W e l Fa g ha pr f e al gii aenon- s rm i t y a he n es ns ls r o s ofer d e tm t dic i naor nd no r tla or e a ton f M o ga st r na i Be us M o ga c n-ea it y xpl na i or r n' e mi ton. ca e r n nnno s w t tt t ho ha he e a toni meeyaprtxtf dicrmi ton(rr tlai ,t c twilene s xplnai s rl ee or s i nai o eaiton) he our l tr ummmy j g n f rW el Fag 5 ud me t o ls r o. A. I t a e ofdiec evi nc ,t pr va lon a A DA di c i i i cl m ,M or n n he bs nce r t de e o e i n s r m naton ai ga m us pr i e i ldic i i ton unde t pr s he ee tbls d i M c t ove nt ntona s rm na i r he oof c m sa ihe n Donnel Doucls l a Cop . Gre 411U. 792( 973) Unde t sfa wor M o ga mus frtetbls aprma v. e n, S. 1 . r hi rme k, r n t is sa ih i f i c s ofdic i nai I M or n e t bls she prm af ci ca e t bur n of ace a e s rmi ton. f ga sa ihe r i a e s , he de pr oduc i s fst W els Fa go t s ton hi t o l r o how a l tm a e,non- s rm i t y r as f is a tons egii t di c i na or e on or t c i . I W e l Fa go pr uce al gii t non- s rmi t y r as n f risa tons t n M o ga f ls r od s e tma e, dic i naor e o o t c i , he r n m us pr ee de t tW el Fa go' a s td r s ar am e epr t xtf istue t oduc vi nce ha ls r s s ere ea ons e r e e or t r di c i i t r m o i and t tisac i nsw e e r a l ba e on M or n' a c i m .l a s rm na o y tves ha t to r e ly s d ga s l ohols d. t 5Ana r o s mmayj d me t sa p o raeo l wh r teei n g n n is eo maeil wad f u r u g n i p r p it ny e e h r s o e uie su f tra f c, ndt emo igp ryi e tte t j d me ta amatro lw. eFe R. v P. 6c . a ta h vn a t s n i d o u g n s te f a Se d. Ci. 5 ( ) l Them o ng pa t bea st i ta bur n ofde onsr tngafe a qua etme f rdic r t vi ry r he niil de m tai tr de t i o s ove y he pladi , e ngs deposto , ntrog t i ,a s i ,a ot a fda t s ii ns i e r a ores dmisons nd her fi vis how t tt nonmovi ha he ng pa t w ilbe unabl t pr ve a es e i le e e ofhi o he c e.Cel e Cop .v.Ca r t , ry l e o o n s nta l m nt s r r as ot x t e t 477 U. 31 322( 986)(t mplt f lleofpr c eni a ese ileeme ...rndesa1 S. 7, 1 C co ee aitr oof onc r ng n s nta l nt e r l ot rf t i tral).Fa t aeviwe i t lg mos fvo a et t no movi pa t he acs mmaei ' cs r e d n he iht t a r bl o he n- ng ry. SeeLeev.Yo k Co y Sc Di ,48 F. 687,693 ( t Ci. ) To wihsand amoton f r unt h. v. 4 3d 4 h r 2007 . tt i or s mmayj d me tt eno mo igp rymu tn r d c s e i cfcsidc t t a h o s e u r u g n ,h n vn a t s ito u e p ct a t n iai h t e r h i ng wili f c bea et pr t es e ilee e sa ti l Thenonmovi pa t m a notr l on l n a t bl o ove he s nta lm nt t ra . ng ry y ey ame es itlao e i e c b tmus p o i es f ce t vd n es hta ar a o a l j r r cn i f v d n e u l t r v d u t in e ie c uc h t e s n be u y i c dfndi hi orhe f ,And s v. be t Lobby.l , U. 242,252( 986) oul i n s r avor tron Li ry nc.477 S. 1 . 5 802-05. Pr t çm e nsa dihone te a ton,a le r t rt n a oddiy ora e r . Fa r l e ext ç a s s xpl na i i a he ha n t n r or ' r e l ' v.Bute Uni ,421F.d 609,61 (t Ci. ) M or nca s prtxtbydemonsrtng lr v. 3 3 7h r 2005 . ga n how ee tai G uc w e t h akne s , m pl i lte ,i ons se i ,i ohe e es orc r di t o i t s s es i aus biii s nc i t nc es nc r nci , ont a c i ns n he e pl r spr f e l tma er as f isaci t tar as bl f t m oye ' ofer d egii t e ons or t ton ha e ona e acûnde c d r tonaly r oul a i l tn t e u wo tyofce e c . M o nv. l ,n . 1 8F.d 1 9, 3 ( 0hCi. 9 7 ; i d h m n rh rd n e' ma Hi i Ic, 0 3 31 1 23 1 t r 1 9 ) ' t s eW hiev. . W i l Me lHome I ,211F. 1 (t Ci. e t W R. nsow m' . nca 3d 266 4h r 2000) Howe r mee . ve , r c n e t r o c ncus r alg to o d srmiaina en t n u ht s o p ee t An e s n o j cu e r o l o y le ains f ici n to r o e o g o h w r tx . d ro v. sBrwi Co.181F. 11 ,11 ( 0t Ci.1 . Coor e nc , 3d 71 79 1 h r 999) A s um i t tM o ga haspr s ng ha r n oduc s f c e e de e t e t bls he pr m a f i c s , ed uf i i nt vi nc o s a i h r i ac e a e t btr n ofpr he lde oduc i s f e t W e l Fa g t pr de a l gii a e, n- s rm i t y ton hi t d o ls r o o ovi e tm t no di c i na or e pln to W el Fag h sd n s e pli igta isa to sweej siidb c u e x a ain. ls r o a o e o, x ann h t t ci n r u tfe e a s M or n' e s i un- xc ed a e ee s wa avi a i ofc pa polc a de rm e al ga s xce sve e us bs nt im s olton om ny iy nd ti nt t isope a i .W ih W elsFa go ha ngpr eda s t i n e a ton, or n mus ot r tons t l r vi oduc ufk e t xplna i M ga t s how t tise a ton i m e e y apr t x a t tW e l Fa go ac ua l t r i t d he ha t xpl na i s r l e e t nd ha ls r t ly e m na e r bec us ofhe di a lt M or an f ist do s a e r s biiy. g al o o. M or doe no c e tmos oft f c sunde gidi W e l Far sexplna i gan s t ont s t he a t r r ng ls go' a ton. M or n doesnotc es :t ts m i s ove e g y- i hthotr ofw or durng a t n- ee ga ont t ha he s ed r i ht e g ls k i e w k p ro o t th a s n e r d c dh ratn a ea c t b ln et n g tv f ry fv (4 ) e id r ha te b e c s e u e e te d nc c omt aa c o e aie o t-i e - 5 ; t ts kne oft cons que esofvi a i t ma t y a tnda epolc o t tNe ha he w he e nc oltng he ndaor te nc iy r ha al r nded he oft c e nceswih awn ni t ts di no s e t ha a ofhe pr emi r he ons que t r ng; ha he d t e k o ve ny r e M ay 1t s m chedul absencesexcused bef e N ealcaled t t m i e heron M ay 4;t N eal ed or l o er nat hat di notl r ofM or n' a c im be or t tphone c l;ort tM or n d d notf l up d ea n ga s l ohols f e ha a l ha ga i olow w ih t A c m o to t a . t he com da i ns e m M o ga ' onl a gum e t i e s ntaly t tW e l Fa go tea e s m ia l st t d r ns y r n 6 s s e i l ha ls r r t d i l ry iua e e pl esdif r nty.Thea gument howe r i pr blm ai i a l s t i ra r s c s m oye fe e l r , ve , s o e tc n t ea t wo mpo tnt e pe t . Fis,M or n marhal no e d et s rt ga s s vi enc o uppor i.I t a s smpl ma st ba ea lga i t t nse d, he i y ke he r le ton t tW el Fa go de aed fom ispolci a dic i nae a i the whe Lea ha ls r vi t r t i es nd s rmi td gans r n ve M a e e f ie t e us he Aprl29 a Aprl30a e esasce tfe m e c l a 7 a nàg m nt al d o xc e r i nd i bs nc rii d dial e ve - n ond t a lga i t ti a oddswih W el Fa go' e i nc B Sec , i woul bepur l s ultve le ton ha s t t ls r s v de e. d e y pec a i t concudet tW e l Fa go woul notha a comm odaedhe ha s f l d up wih t o l ha ls r d ve c t r d he olowe t he Ac omm oda i tn asdie t c tons e m r ced.M or n di nots ekt ha he a e e us byt ga d e o ve r bs nce xc ed he ve y de rm e t ts a t wasca bl ofe usnghera e .Se M or n' Opp' Br r pa t nt ha he dmis pa e xc i bs nce e ga s n . a 20($ i i ala els t a s v nc ns c tv d y ,h n ( c mmo ai n qmih lo a t tf t s e v e s h n e e o e ui e a s te Ac o d to s g t o k t 1 t t I i' o s n c ec tve da ,t twoul bem o e oface tfe m e ca l a ha e ha . f ts ver eve ons u i ys ha d r rii d di l e ve ndld t oughla jma me . Ac r ngl e nasumi M or nhasetbls daprma hr e veg nage nt' ). co di y, ve s ng ga sa ihe i f ci ca e w hi h i a dubi a s pton,M or n ha f l t de ons r t t tW elsFa go' a e s, c s ous s um i ga s aied o m t a e ha l r s 6M or n a1o a s rst tNea had aS riulrz d a mus' i the a t tt swasa ga s s e t ha l ç tc a i e ni 'agans r nd ha hi pa ç r onalt ng.' o ga s Opp' Br a 36. H ow e r t A D A pr bis di a lt t s pe hi ' M r n' n .t ve , he ohi t s biiy dic i nai n;i i no acodeofc s rmi to t s t onduc gove ni peronalco lc s t r ng s nfit . 7M or n c am st sa s pr e sac z bl f iur t a co moda ecli , whih s aleg t am ga 1 i hi lo es nt ogni a e a l e o c m c he l es f t tr ttme i he opposton bref .Tot e e M o g n i now r si la t or he i s i n r ii i s he xtnt r a s eque tng e ve o a e he pl a ngs t co tfndst tr ques unwa r t d a t slt da ea i any e nt m nd r e di , he ur i ha e t ran e t hi a e t nd n ve f tl He e,M or n di notr que ta a c moda i untlM a 3 whe s cal d Lea u ie. r ga d e s n c om ton i y n he le ve Ma nage e ,a W elsFa go pr pe tvel gr nt d t tr ques . A n em pl m nt nd l r os c i y a e ha e t oyeri no r qui e s t e rd t r r ctvel ac omm oda ea e oyee Les hi ke v.Re t s& Viio sofRa or Uli , o etoa i y c t n mpl . c ns y c or st r df d 'v. 1 2011W L 502981 a * ( . Va.Oc . 2011 . eOfkeofSe t Sg . tAr v. tc 3, t 2 W D. t 24, ) Se t nae t a ms Ofi e ofSe t FarEmplyme Pr tc s 95F. 11 11 ( Ci.1 (heADA doe no nae i o nt acie , 3d 02, 07 Fed r 996) t s t r uieaûer ci ac ommodai i l ngafeh satbef e(hee oye )r quets eq r û toa tve c r ton ncudi rs tr or t mpl e e sll a ommodai f hi dia lt ' cc ton or s sbiiy.' ) 8H ad w el Fa go pr s edhe r ques t e e he pa ta enc asce tfe m e c l ve i ls r oce s r e t o xcus r s bs es rii d dial ea , t woul ha l r d t tM or n wa a homedrnki on t da s s htc rii me c l d ve ea ne ha ga s t i ng he ys he oug e tted dia la e ve. 7 pr f r l ii a e, of e ed eg tm t nondi c i i t y r as f t r i tng he ar pr t xt l s h t ta s rm na or e ons or e m na i r e e e ua , uc ha r tonalf c tnde c d fnd t m t ai a ti r oul i he mworhy ofc e nce. t r de 9 B. M or n a s ca mst tW elsFa go r t laed a i the f r quesi a ga l o li ha l r e ai t gans r or e tng n ac om moda i t rt ADA.I t a e e ofdie te de e,M or an mus pr c ton mde he n he bs nc r c vi nc g t ove r t la o y m otve by a n a r ng t t M c e a it r i gai dhe i o he Donne lD ougl spr s he e 1 Tje cour j ds l a oof c m . 0 j tu t tf t s m e r a ons t tM or n i una e t s ha or he n es ha ga s bl o how t tW e l Fa go' non- s r m i or ha ls r s di c i nat y r s f t r i tng he i a pr txtf dic i i ton, or n c ea on or e m na i r s ee or s rm na i M ga nnnots how t tt ha he e a ton i a pr e f r t la i n. xpl na i s d xt or e a i to 11 1. l s , or n' s r iorc l t t r i t he bec us s wasi vi a i of n um M ga s upe vs aled o e m na e r a e he n olton W e l Fa go' mandaor a tnda epolc W he W el Fa g l n n t tM or n ha ls r s t y te nc iy. n ls r o e r ed ha ga d ac ualy bee m i sng w or bec us s w a s r i w ih a c i m a s e ng t e t e ,i t l n si k a e he s t ugglng t l ohols nd e ki r a m nt t r ci d M or n' tnni i and gr nt he r ques f rlavet obt i t tte t nt W he es nde ga s e naton a ed r e t o e o an ha r a me . n M or n r t ne s had t o runiyt ha s eofhe pr e tc a e ese us d,bu ga e ur d, he he ppo t t o ve om r obl ma i bs nc xc e t 9M or a aloalgest tt tmporlpr xi t ofhe tnni ton (mme aey atrs g n s le ha he e a o miy r e nai i ditl fe he i or dW el Fagoofhe dia lt andr ques f a a co nf me ls r r s biiy e t or n c mmodai i evi nc ofprtxt ton) s de e ee . Ho v r Smlr a srinso q e to a l tmig ç a d o t e ev saesmpy we e ,ç ee se t l o f u si n be i n , i n f h ms le r i l n i ufk i tt coun e unr buted e denc ofl gii t nondicrmi t y r s f 'be ng ns t en o t r e t vi e e tma e, s i naor ea ons or i trd Koh v. n 'Te e . n .4 F. u p. d4 6 4 7( . Va 2 0 )(iigDu a v ie . t e Co t v s I c, 61 S p 2 6 , 7 W D. . 0 6 ctn g n . l Al mal Cot y Sc Bd.293F. 71 722( h Ci.2002:.Ataf be re mt h. , 3d 6, 4t r undnme a lve,ti ntl e li s dit ul- a i e il c l t a g t tW e l Fa go' dec son t c l M or n f t s e fk t nd nde d, logi a- o r ue ha ls r s ii o a l ga or he ol pum os oft r i tng he w a t a f m ed i o an a tofr t i ton sm pl be us M o ga w a e e m na i r s r ns or nt c e ala i i y ca e r n s abl t di os herw her e o scl e eabout bef e W elsFar w as abl t di cl ispr er i s or l go e o s ose t edet m ned de s on. ci i 1 Thec ta s e wihoutde i ng t tM o ga ha e tbls d he prma f c ec eunder 0 our s um s t c di ha r n s sa ihe r i a i as t ts hem e. ha c 8 s i xplca y f l t c a tt Ac he ne i bl aied o ont c he commoda i t m , o whi h s wa die t d, o ma tons ea t c he s r c e t ke t r s .Ac r ngl s r m ane i vi a i oft m a t y a tnda epolc a he eque t co di y, he e i d n olton he nda or te nc iy, nd W e l Fa go fnaly t m i t d he . Be us M or n wast r i t d f a l gii a e, ls r i l er na e r ca e ga e m na e or e tm t non- dic i i t y a non-e a it r r on,t c tgr nt W e l Fa go' m oton f s s rm na or nd r t la o y eas he our a s ls r s i or umm a y r j d me tpts a t oF d R. v. 5 u g n t u n t e . Ci P. 6. r ENTE R : br ar 21 201 Fe u y , 4. UN I TED STA TES D I STRI J D GE CT U 9

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