White et al v. BB&T Insurance Services, Inc. et al, No. 7:2010cv00467 - Document 95 (W.D. Va. 2012)

Court Description: MEMORANDUM OPINION. Signed by District Judge Glen E. Conrad on 7/23/2012. (ssm)
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CLERK' OFFI t . .DI COURT S CE Js SX ATROANOKE, VA FIED L I Tl E UM TED STA TES DI N l STRI COU RT CT FOR THE W ESTERN DI STRI OF VI M A CT RGI RO AN OK E D I I ON V SI J L 23 2 1 22 ' ? o JU2 . % .R z * 5 6X k u. ajjau y x g W 1 DENNI W HI ç g , S TE, 1 1, Ci lA c i N o. 1 vi ton 7: 0CV 00467 Pl i if , a ntf s M EM O M N DU M O PI I N N O 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. t ie or nknl c nd, h , ha he r r of he oupl s nkr pty t t 3 Li wie t r i no i c ton t cai ha be n a ndone by t tuse Ra he t n ke s , he e s ndia i he l ms ve e ba d he r t e. t r ha dimi sngt c am sf l k ofsa ng, we r t c ta e wih t pl ntfst ti s s i he l i or ac t ndi ho ve , he our gr es t he ai if ha t woul bem o ea opra et afor t W hiest o d r ppr it o f d he t he pport iyt a k t ba u c c tt t t o s he nkr pt y our o m r ope t ba u cy ca et pe m i t t s e t de e m i w he he t a e n he nkr pt s o r t he nz t e o t r ne t r o dopto aba r ndon a ny c a m st ts v ve BB& T' m o i See Ava v. . .Ciy Bd.o Educ. 31 F. pp' 31 l i ha ur i s ton. zi N Y t f , 5 A x 3, 3Theplitfsdon c le get sis ea i ta ( su ll'ha BB&T i c re ti t s an if ot haln hi s u nd nse d i s m e't t a s o r c n hi r g r ( .n Op n a 1 ) e a d. Br i p' t 0. 3 5( dCi. 0 )(a ai gt ee tyo s mmayj d me t nteb sso sa dn a d 1 2 r 2 09 v c tn h nr f u r u g n o h a i f tn ig n r m a ngwih i t c i t sa t pr e di t pr depl i ifa op runiyt m o e ndi t nsm tons o t y he oc e ngs o ovi antf n po t t o ve t ro e he b n rptyc s) Ac o dn l,otee tn BB&T s e sd s sa o tecams o e p n r n k u c a e . c r igy t h xe t e k imis l f h li ont bassofsa ng,hemoton wilbe d nid. he i tndi t i l e e 1 11. The M eri soft C om pani Cl m s t he es' ai Not t t ndi t c tsde ii on t i s ofs wihsa ng he our' c son he s ue undi t c twila s c i r ng, he our l lo onsde t mert oft c he is he ompa e 'ca ms Ass tf t a nis li . e orh bove t co pa esas e tcli so br ac of , he m ni s r am f e h c r c ,ne i nc a br a h offduc a ydut a i tBB&T. Spe fc l t c onta t glge e, nd e c i i r y ga ns ciialy, he ompa e ni s contnd t BB&T br c d co r c a fduc a ydute and wasnegi nti f lngt e hat ea he nta mal nd i i r i s lge n aii o e tr t tt c nsle ha he ompa esha a uat i lr nc co r g ni d deq e nsza e ve a e.Theco ni alo c e t t mpa es s ont nd ha BB&T b ea hedfducar dute a wasne i en i pr vi ng f lea i omplt r c i i y is nd glg t n o di a s nd nc ee i or ton t t e f c t tt co ni ha no c r geunde t i ur nc polcest t nf ma i o he fe t ha he mpa es d ove a r he ns a e i i ha we epr ur d byBB&T. r oc e A. Br h ofFi i y Dut eac duc ar y Tur ng frtt t cai f b ea h offduca ydu y, heco ta r e wih BB&T t t ni is o he l ms or r c i ir t t ur g e s t ha s c camsa et - ar d Un e Vignalw, b e c o fd cayd t cam i s be t o u h li r i b re . d r ri i a a r a h f i u ir uy li s u j c t me t t ye rpei oflmiai stfrhi Vigi aCodej8. - SeeFDI v.Coc ,7 he wo- a rod i tton e o t n r ni 01248. C ke F.d3 6 4 2 (t Ci.1 9 )(p yn tee rirv rino j80124 , ih c nane ao e 3 9 , 0 4h r 9 3 a plig h ale eso f . - 8 whc o ti d n y rtmelmi) s ealoRosma v. za s No.108c 6,2008U. Dit LEXI 68408,a ea i i t; e s s nn La nz, : v31 S. s. S t *1 ( D. Se .3,2008) Thet ye rpe i b nst r nta t tmeoft br c ' 5 E. Va. pt . wo- a rod egi o u tt he i he ea h,' r t rt n t d t on w hi h t br a h i di c r d. J sv.Shoos n, o.1: l vl1 a he ha he a e c he e c s s ove e one ha N l c 48, 8 2 2U. DitLEXI 2 51 , t# 3( D. . b. 9 2 2 (olig i lg to teweg to 01 S. s. S 6 2 a 2 E. Va Fe 2 , 01 ) h dn ,n i h f h ih f t e si prce ntt tt dic r r l doe nota yt bra hoffducir dut cams; he xitng e de ,ha he s ovey ue s ppl o e c i ay y li ) s e as Sm ih v.CNA Fi Co p.No.7: CV0065 2003 U. Dit LEXI 28 e lo t n. r , 01 3, S. s. S 240,a * 24 t 23- ( . Va No 2 , 0 3 (e iwigc ssa drj cigted s o r r ll W D. . v. 6 2 0 ) r ve n a e n ee tn h ic vey ue. l t sca e, hepl i if s c fc lyaleg t tBB&T b e he fdu a y dutesowe t n hi s t antfs pe iia l l e ha r ac d i cir i do t ec mp ne b talig t p o i e. .h b o d s p oe to p si l, a db h o a is y ç il ) o r v d . t e r a et r tcin o sbe' n y f n ' t fimaieyp o dn fleifr to t t eefc ta n c v rg e se t (h < fr tv l r viig as n omain o h fe t h t o o e a e xitd o t e a c mp ne l eae t t lse c u e b Lu a . ( Co la 1 ) I lg to s h o a is r ltd o he o s s a s d y c s' Am. mp . t 0 . n i h f uc ' 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 l a i , he our gr s t ha he u u e i t tons no u f e O c o r 1 2007,when M r .W hie pu por e y s t be 7, s t r t dl poke t Ba ba a Pr c r a di Luc s' o r r i e eg r ng a s a to , n wa alg dyt l ta t eewa i ohn 'teW htsc udd .( W ht De . t cins a d s l e l od h t h r s t tig'h e n ie o l o L. ie p a 4 ) Be a s tei sa t cinwa n tfldt itle y asltrt ec u t g e swihBB&T 9. c u e h n tn a to s o i mtll e e r ae,h o r a r e t e r t tt br a h offduca ydut c am sa euntmey. ha he e c i ir y li r i l I r s et BB&T' moton, hec n e pons o s i t ompa e a g t tBB&T e ge i co i d ni s r ue ha nga d n ntnue a tviy whi h t ld t saut oflm ia i .Cii a srng ofe al fom Augus of201 ci t c ole he t t e i ttons tng ti m is r t 0 r a di t sa usoft c eg r ng he tt he ompa e 'i ur ec am s t pl i if a guet tBB&T was nis ns anc l i , he antfs r ha ta i a to 'meemo t sb fr t epanif fld s i.( .n Op na 8) Thec u t t kng cins' r n h eo e h litfs ie ut Br i p' t . t or a ee wih BB& T,how e r t tt sa p l e i w iho m e i. 'he c pa es c a m sag ns gr s t ve , ha hi r m nt s t ut rt I om ni ' l i ' ai t BB& T r l t s e y t t de e n ' aleg f l e t pr ur ade t i ur nc co r ge f e a e ol l o he f nda t s l ed aiur o oc e qua e ns a e ve a or l s s t toc ur e i Se e be a Oc o rof2007, nd t t de e nt spur t d os e ha c r d n pt m r nd t be a o he f nda ' por e m ir pr s a i i O c obe o 2007 r ga di t co pa es e s i i ur nc c ve a s e e ent tons n t r f e r ng he m ni ' xitng ns a e o r ge. The c pa e 'c ai s a i i f om t e s pa a e, nde om ni s l m r sng r hes e r t i pende ta t ac nl d i 2007 a we e n cs c e n nd r nott ld by a c i d a tviy on t pa tofBB&T i 201 4 Se Ha rsv. ole ny ontnue c i t he r n 0. e ri K&K l . ns Ag n y l c, 3 SE.d2 4 2 7( .1 9 )( odn ta tet o iungu d ra ig e c .n .45 . 2 8 , 8 Va 9 5 h lig h t h ç nt i n e tkn c n docrne' ti 'doesnota yt i ur nc b oke sa t , ha t b o rsco i d as itncedi ppl o ns a e r r nd, hus t t he r ke ' ntnue ssa d no t lt saut oflmiai nsa i a et t pl i ifsc am t tt br rbr a he a t ol he t t e i tto pplc bl o he antf l i ha he oke e c d c r t ldut a wa neglge i f ii t e ur t tt pli ifha i ur nc c r ge ontacua y nd s i nt n alng o ns e ha he antf d ns a e ove a f t l soc sone byafr) or he os ca i d ie . Fort s r a ons t c t ncude t tt c he e e s , he our co l s ha he ompa e 'cli sf rbr c offducir ni s am o ea h i a y d t aeb re b tesau eo l tto s BB&T' mo inf rs mmayj d me twil e uy r ar d y h ttt f i ain . mi s to o u r u g n lb gr nt w ih r s c t t e cl i s a ed t e pe t o hes a m . B. N e i ence and Br h ofC ont glg eac rad Faiur t Pr ur Ade l e o oc e guat I ur e Cove e e nx anc rag Thepl i if alo a s r t tBB&T br c d aco r cualdu y a wasneglge i antfs s s e t ha ea he nta t t nd i nt n f ii t e tr t tt co ni ha a ua ei ur nc co r gef t l s oc asoned a lng o nsle ha he mpa es d deq t ns a e ve a or he os es c i byM i Luc ' a tons ot rc t ha rcog z dçl nacin a i ta a ntorbr r ke ass ci .As he ours ve e nie tal to gans n ge oke f f iur t pr ry pr ur i ur ec r e c n ge r ly bebr htet ra ane i e e or a l e o ope l oc e ns anc ove ag a ne a l oug ihe s glg nc a ton orasa a to f rbr c ofac r c t pr ur i tr nc a t t or on whih t ci n ci n o ea h onta t o oc e nsla e, nd he he y c he a ton i br c i s oughtwilor na iym a ltl ornopr ctca dif r nc f t pur eof l di rl ke ite a i l fe e e or he pos 07e t bls ng aprm af c ec e. ewa t W . Em pl r 'M ut I .CQ. N o.2: 0168, sa ihi i a i as ' 'St r v. Va. oye s . ns , - 4To t ext t pl ntfsaler i y s he ent he ai if t natvel ugges t tt emaisgi rs t se ae and t ha he l ve ie o par t i ndependentcl m sagai tBB& T,s h ar umenti alo wihoutm e i.The c ai ns uc g s s t rt ompa es'amended ni compl nti udesno alegatonsr di a i ope ac i t occured afer2007,a t ai ncl l i egar ng ny mpr r tons hat r t nd he pl ntf shave pr ded no f ualexpl i orl aut iy f t ras eri t t em aisar ai if ovi act anaton egal hort or hei s ton hat he l e pr i ofany br h orvi a i by BB&T. obatve eac olton 10 2 0 U. DitLEXI 8 3 7 a # 0( D. . . c 5 20 7 (iigc s s; e as P i c v. 0 7 S. s. S 9 7 , t 1 S. W Va De . , 0 ) ct a e ) s e lo rn e n Rova l l ndem. ,541F. 646,650(t Ci.1 ( i t ttwj t rt a tona i t Co. 2d 7h r 976) notng ha t hehe he ci gans l t br rs he oke oundsi t tbas d on negi nc ... i c r tf f itr t pe f m t n or e lge e or n ontac or alle o ror he a r e n t p o u e. . k sl t dfee c ' Top e i o acam f rb e c o c n rc, g e me t o r c r . ma e i l ifrn e). rval n li o ra h f o ta t a te p an ifmus e tbih( )alg l e f re beo lg to b ad fn a t ( )tedee d n ' litf t sa ls 1 e al n o c a l bi ain y ee d n ; 2 h fn a ts y v oaino b e c o t a o iain a d( )ij r o d ma et t panifc u e b te i lto r ra h f h t bl to ; n 3 nu y r a g o he litf a s d y h g b e c o o lg to .Fia v. o c , 9 S. 2 61 , 4 ( . 0 4 .Si lry t p e io a r a h f b iain lk Ge re 5 4 E.d 0 61 Va 2 0 ) mial, o rval n cli ofpr e sona neglge e,apli ifmus esa ih ( )t tar ai hi gi ngrs t a am ofs i l i nc antf t tbls 1 ha eltons p vi ie o dut ofc r e se bewee t pli ifa t dee nt ( t tt deenda bra he t t y ae xitd t n he antf nd he fnda ; 2) ha he f nt e c d ha d t ; n ( )t tteb e c wa ap o i t c us o tep an ifscame d ma e .S e u y a d 3 ha h r a h s r xmae a e f h litf li d a g s e Gr g r v. wkns 4 SE.d8 , 9 ( .1 9 ) e o v Ha i , 68 . 2 91 8 3 Va 9 6 . Ha ng r viwe t r c d a t a ia e c s lw,t co tc ude t tBB& T vi e e d he e or nd he pplc bl a e a he ur oncl s ha i e tte t s mmayj d me to t camsfrf i r t p o u ep o ris a c c v rg . s nild o u r u g n n he li o al e o r c r r pe n m n e o e a e u Eve i t c tas lmest tBB&T ha adut oro i tont pr vi a q t i ur nc a n f he our sz ha d y blga i o o de de uae ns a e nd t ts h dut oroblgai n wasbr a hed, hec ha uc y i to ec t ompa e ha f ie t esa ih t tt br c ni s ve al d o tbls ha he ea h r s le i a yij r o d ma e e utd n n nu y r n g . AsBB&T e mphasz si isi talbre ,hepr rm e s eofdn a sf t f iur t i e n t nii if t ope a ur m ge or he a l e o pr ea qua ei tr nc i t a o a i ur d woul ha be n pa dt ocur de t nsla e s he m unt n ns e d ve e i mderapolc i iy f a dequae i tr nc hadbee obt ne Se Aut nRi .L. v. or a ofVa. ns A g nc t nsla e n ai d. e um dge P. Ac di l . e y. 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 r he polc '.Acc di y,i i i umbe tont plitfst pr t ta i urncepolc wa iy.) ' or ngl t s nc n he anif o ove ha n ns a iy s 11 ge r l a l et tH ne aly vaiabl ha woul ha co r d t l si ure ' SM 1Owe St lCo. M a s d ve ve e he os nc r d. ' n ee v. r h USA.n .5 0F.d4 2 43 (t Ci. 0 8 ; e as Mer AlidI s Ag nç I c v. n, 0 l c, 2 3 3 , 9 5h r 2 0 ) s e lo to l n . e v,n . Li 3 4 e SW .d8 0 8 ( x 2 0 )( l igta t ec u ai nsa d r fracame fi r t pr cle . 3 3 , 36 Te . 0 9 hodn h t h a s to tn ad o li d al e o o t u r i urnc unde aneglge et or rquie i ooft t(nli urnc polc woul ha ns a e r i nc he y e rs ç pr ha a ns a e iy d ve co rdt da es); Appl Str .l v.ns Ct. W i he tr I s 95- 1 vee he mag ' Va. e oage nc. I . r of nc se snc.No. 353, 997 Va Ci. . r LEXI 7 0 a # ( . r CtAp .1 ,1 9 )(o cu i t theis rrwa e tte S 4 , t 28 Va Ci. . r 1 9 7 c n ldng ha t n u e s n ild t j d me to t ep anifscamsf rn gie ea db e c o c nr c f rfiu et p o l e o u g n n h litf li o e l nc n ra h f o ta t o alr o r cz g r is rn e wheet o e i e c wa p o u e t s w ta s c apoiyc u dha eb e n u a c , r t ) v d n e s r d c d o ho h t u h lc o l v e n nr wrte ' c woul ha p o de c rgef t cossa is ) Bayl M a tn& Fa l v. itn'whih d ve r vi d ovea or he t t sue ; v. ri y. nc. Pee' Saie I ,739P. 23 244( .1 (mpha ii t twhe acli i prdi td t s tr. nc. 2d 9, Co1 987) e szng ha n am s e cae on t f iur ofan i ur ebr rt pr ur i ur nc c r ge,ûti i he al e ns anc oke o oc e ns a e ove a çi s ncumbe upon t nt he pli ift pr vebyapr ponde a e o t e de ,a a a pe tofc us ton a dn a s t t a ntf o o e r nc f he vi nce s n s c a a i nd m ge , ha s h i ur nc wasge r l a lbl i t i ur ncei ty whe t br ro a n uc ns a e ne aly vaia e n he ns a ndusr n he oke r ge t obti di trnc c vea fom t pli if); ddi v. neiilI .580P. 955,956 ane nsla e o rge r he antf Ke e Be fca ns, 2d ( v.1 7 )(oligt a t eewa n b ssf rla ii frfilet p o u ea i t a c Ne 9 8 h dn h t h r s o a i o iblt o alr o r c r n nsl n e y t r poiysn etu hp lc wo l n t a ec v rdtel sic re ). l ic d c oiy ud o h v o ee h os n u rd' c s l t i t ntc s ,t pli if ha p o f r no e de et ti ur ncee se whi h n he nsa a e he antfs ve r fe ed vi nc ha ns a xit d c woul ha c r t c 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 a ' tons t r ha he lc e pr ur d b BB& T. W hie M r .W hie t tfe a he de ii t tBB& T s ul ha oc e y l s t esi i d t r poston ha ho d ve pr medS i s itru in i ma '( . hieDe a 6)t pli if ha pr uc dno oc t ne s ner pto ns nce'1,W t p. t ,he antfs ve od e bus e de et e t bls t tt sf r ofi m anc wo dha c r d t a lge l s sr s tng vi nc o sa ih ha hi o m ns e ul ve ove e he le d os e e uli fo Luc ' c rm ass onduc .Theonl ot re de epr f r d byt pl i if c it ofa t y he vi nc ofe e he antf s onsss 1 2 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 ts o ha ba e on t rt t ndi i t co uniyy'he d lr ton pr desno i c tont ta y ve s d hei ç a ng n he mm t 't eca a i s ovi ndi ai ha n oft lse polciswou d ha c r t l s t tt co pa esaleg dl s f r d a t he it d i e l ve ove ed he os es ha he m ni l e y ufe e t he 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, t ta tona i ur ncewasa ia et twoul ha c ve e t compa e 'l s .I t ha ddii l ns a valbl ha d ve o r d he 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 bs nce uc vi nce he om ni r bl o t bls n s e t a l m nt he r 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 onta t c di y, he our onc u ha s e tte t s mmayj d me to t ecamst a ib e c dac nr cu ld t a dwa n gi e t n ild o u r u g n n h li h t t ra he o ta t a u y n s e lg n i f lngt i ur t tt compa esha ad t i ur nc co r ge. n aii o ns e ha he ni d equae ns a e ve a 6 Faiure t provi accurate i orm at on reeardi t com pani l o de nf i nt he es' e s i i ur e c ve age xi tng ns anc o r 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 ot g ns he ai i f l o s r t t r r i e 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 se e e t d, t be 7, 7, ha he mpa es d ns a e o r ge r he polcest twe epr ur by BB&T.Ac or ng t La i W hie u n des rbi Luc ' i i ha r oc ed c di o ure t , po c i ng ass a tons Prc a s he t tt r wa no hi t tcoul bedone be aus t co pa es c i , i e dvied r ha he e s t ng ha d , c e he m ni ' ge r la lt i t a ehadex r d f non- ym e tofpr mil s Alho h t c ne al i biiy nsl nc r pie or pa n e lm . t ug he ompa es ni ' 5BB& T hasmoved t srke Sa o ti venela' de ar ton on pr edur gr l s cl a i oc al ounds Tha m oton wilbe . t i l deni ed. 6H a i g r hi son he v n eached t sdecii , t courtne notaddr sBB& T' aler i a gumentt t ed es s t natve r ha pori oft cl msar tm e- r ed. tons he ai e i ba r i ur ncec r e i ude e o e dihonesy bondst tmi htha c r s eoft ns a ove ag ncl d mpl ye s t ha g ve ove ed om 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 Ge ea I s v. g , 6 S. 2 3 3( . 9 5, 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 ge glge n a lng o oc e q t ns a ve a ai t os es he aitf s t i d a ar s tofafr L. a 3 usa ne s e ul ie. d t 43.On a l t Supr m eCo the dt tt pl n if s a ppea ,he e ur l ha he aitf f l et r a t i u a epolc c tt e ne i e e a ama troflw t tba r r o r aiur o e d he ns r nc iy onsiut d glg nc s te a ha red ec ve y 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 rs n a e Ba e t ns rn e g n) a d d g t n u e l h nsl n e l h t he h 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