-RSB Sewell v. Wells Fargo Bank N.A. et al, No. 7:2011cv00124 - Document 99 (W.D. Va. 2012)

Court Description: MEMORANDUM OPINION. Signed by Judge Samuel G. Wilson on 8/14/2012. (eot)
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CL S OFFI U. DI O URT FRK' CE S. SX AT ROANOKEI A V FI ED L At 1i 2 1 s 22 I TH E UN I N TED STATES DI STR I C O U RT CT FO R TH E W E STERN DI STRI O F VI G I I CT R N A R O A NO K E D I ISIO N V AD RI ENN E SEW ELL, JULI , BY; , s Ci lA c i N o.7: v001 vi ton 11c 24 Pl ntf ai it M E M O R AND UM O PI I N ON V. W ELL S FA R G O BA N K ,N . .and A W ELL S FA R G O & C O M PAN Y D ef endant s. By:Sam ue G.W is l l on U nie St esD i t i tJudg t d at sr c e Thi i a aci puruan t t c tsdi riyj iditon, U. C.j 1 b s s n ton s t o he our' vest urs ci 28 S. 332, y pl i ifA dre w Se e l a f m e W e l Fa go br k t le ,a ns de e n s W els Fa g a ntf im w l, or r ls r m e l r gai t f nda t l r o, N. andW el Fago& Co ny(ole tvey,ç el Fago' f br c ofc rc an A. ls r mpa c lci l s ls r ' or ea h onta t d W ) def a i a i i outof W e l Fa g sde s o t t r i t Se e l By e r i rm e or ndum am ton rs ng ls r o' cii n o e m na e w l. a le m a o ni t cou tf pi on, he r oundt tSewel hadpl d f c ss fce t s vi W el Fa go' Nove r ha l e a t ufiint o ur ve ls r s mbe 22, 1 m oton t di m i s Tho h Se e lwasa a - ile pl e a he t ore of 201 , i o s s . ug w l n tw l m oye nd r he i s t ou ha he l- e d legai ns cc pt d s r la lt hadr m ane fui 1t ecour f nd t tt we lplade a l to , a e e a tue ibiiy e i d l d, h andviwe i t lghtmos fvor l t Se l, a i yalge ( )abr c ofco rc bas e d n he i t a abe o welplusbl le d 1 ea h nta t ed ona r dbutt i r dbe ft a ( dea tonba e o W el Fa go' sae nt t ccue mdelve e neis nd 2) fmai s d n ls r s ttme s o ba c t e sa utSe e lst r i ton. Them a t ri no be or t c r on t pa te nk usom r bo w l' e m na i te s w f e he ou t he ri s' 'Se lhass itd at aloff vesonsofhe c pli . ( eMe Op. , l ECFNo 3 )Th wel ubm te ot our ri r om ant Se m. 1 n., . 2. e co tba e ise ri memor ndum opi on o t f rhve son. ur s d t a ler a ni n he ou t r i Thec t est tSewelhasfld ase ofm oi i t sc e sx e n i t a,wih sxoft m our not ha l ie lw tons n hi as - it e n otl t i he p sd t gh rmoinfrsmmayj d me t S meaebe s e b ia c rce, l oh r ijc te re n t o tai e to o u r u g n. o r lmih d y n c ua iswhi tes ne th o is o n e pr ousyar d.Rahe t n e gi t i fulspoi - poi ,i s fc t sy t tt c t cos y evi l gue t r ha nga ng her a t ntby- nt t ufies o a ha he our has l el e xami d e hm otonand, hienotw ihi t dicou a z l a ne ac i w l s ng o s r ge eaous dvoca y, i sc elm a hav c beleve ouns y e u rao a l mutpidte epo e dn s S e28U.. j1 2 (t n atre o oh rpes na mie t ne s n by lile h s rc e ig . e SC. 9 7 t y ton y r te ro d t d o A t c onduc c s si a c toft Unie Stts...wh s m uli i t pr ee ngsi anyca eunr s bl and t a e n ny our he td ae o o tples he oc di n s ea ona y ve tousy m a ber quiedby t cour t stsy pe s l t e s coss ex ns ,anda t ne 'fes xai l y e r he t o a if ronaly he xce s t, pe es tor ys e r a o a l i c re b c u eo s c c n u t'. e s n b y n u r d e a s f u h o d c.) ' Theco tfndsnom e i i Se lsousa ngm otonsa t r f ede e t m . ur i rt n wel' ttndi i nd he eor nis he z LERK co smoinsf rs mma yj d me t Afe mo t so d s o e ya dafu r of ing , e l r s - to o u r u g n . tr n h f ic v r n lry fl s S wel i hasye t e t bls a f c ua ba i t s t o sa ih a t l ss o uppor he cli s The c tt e or fndsno ti bl t r am . our her f e i ra e is s gr t W el Fago' motonf s mmayj sue , ans ls r s i or u r udgme , de esSe lscos moton. ntand ni wel' r s i 1. W a hovi Ba l hi e Se e li 2005. W he W e l Fa go a r d W a hovi a is c a rk r d w l n n ls r cquie c a nd t e oye sa t e of2008,i i plm e e polce t ti publs dpa ty i t W el Fa go mpl e t he nd t m e ntd i is ha t ihe rl n he ls r Tea M e rHa m mbe ndbook a t Ba sCodeofEt csa Busne sConduc .Ea h yea s nd he nk' hi nd i s t c r W els Fa go r qui e ise pl yee t r vi w a f ma l a know l l r e r d t m o s o e e nd or ly c edge t e polci sa hos i e nd pr e e .l Fe uayof201 Se lddj tt twhe s sgne aE-ea M e r oc durs n br r 0, wel i us ha n he i d i- m mbe l Ac w l e e ' s a i t ha be n pr ded t lrk t a c s t o i W e l Fa go kno edg m nt' t tng, t ve e ovi l he it o c es he nlne ls r Te m M e rHandbook. 1unde sa t tt polcesi c ansdono c tt e a e es a mbe r tnd ha he ii t ont i t onsiut n xpr s o i idc rctofe oymenta t tmye oy n i a wil' ( . r mple onta mpl , nd ha mpl me t s t l.' Mot Summ. .Ex.A. J , 7,ECFNo.65- ) TheTe m Me rHa 2. a mbe ndbookis l rieae t naur ofSe l' tef etrtd he t e wels em pl ent oym : Thi ha boo c ai e s nta i or a i abou W els Fa go Hum a s nd k ont ns s e i l nf m ton t l r n Res c ( polces ...l i mea tasa oulneofpolcesa pr e es oures HR) ii . t s n n ti ii nd oc dur c rng W elsFar a iss i a i s i i no ac r tofe oye ove i l go nd t ubsdire - t s t ontac mpl e tihtg' l g sj' r Thi ha s ndbook i no a co r to e pl e . Y oure pl m e wih a W e l s t ntac f m oym nt m oy nt t ls Fa go c pa hasno s ii t r orl ng h;bot you a W elsFa go ha r om ny pec ted e m e t h nd l r ve t r g t t r i t y e pl e a any tm e, ih o w ihoutad nc he i ht o e m na e our m oym nt t i wt r t va e no i e a w ih orw ihoutca e. tc nd t t us Thi i c l d E pl m e a w il' Onl a o t c rofW els Far a t l ve s s ale t em oy nt t l. ' y n fi e l go t he e l ofe c i vi e pr i ntorhi her a t i ed by t s ni H um a Res c xe utve c es de g , u horz he e or n our es M anagerf yourbusi gr or ness oup,m ay aler yotrat wilst us or ent i o an t l - l at er nt agreem entf em pl entf a specii perod oftm e. A ny m odiicaton t or oym or fed i i t i o youra - ilem pl e s a us m us be c im e i wrtng by an ofi e of tw l oym nt t t t onfr d n ii tc r W e l Fa go a t lve ofe utvevi epr sde o hi he ,a ho i dby t ls r t he e l xec i c e i nt r g r ut rze he s ni Hum a Res ce M a e f ryolrbus ne sgr e or n our s nag r o z i s oup. (d,a 8,1 ) 1 t 4.2 One ofW e l Fa go' wr te polci s i t uc ed t ta i vi ls r s it n i e ns r t ha n ndi dualt le ' ca h- a e e l r s s dr w r t a s ul no e e a c r a n m a m um am ount W he a t le a tm ul t d t m uc c s ot l ho d t xce d e t i xi . n e l r ccz a e oo h ah a ne edt r ducet a nd ed o e he mount t t lrwa s , he ele s uppos dt ç e l'he e es c h.Thet le e o û l't xc s as s el r (aldt deli tle'orûis tle' a co ihe t sts bye ei ac htsl'i o c le he û lng elr' ç rt elr' c mpls d hi ak ntrng as dae'nt s f ) t ba se e toni r co d- e ng s t m a ee to c ly dieci t s l t at ng he nk' l cr c e r ke pi yse nd lc r nia l r tng he a e o t buyi tle'( localdt t e ondtle' .Thefrttle t nphysc lydelveedt ûs d'ca h elr' as le he t c elr' s ) is elr he ial i r he çol ' s t t s c t ler The s c t l rve ii d t a oun , e r d t ca h t ' n t ba s o he e ond e l . e ond ele r fe he m t r co de he s û buy' i he nk' eecr cr or ke pi s t m,a r t i t c h.Ther s twas ors d ha be n,a l toni ec d- e ng yse nd e aned he as e ul , houl ve e r d ton oft frtt le ' c s dr we t alt l st n t al we m a m um- af t e uci he is el rs a h- a r ot o es ha he lo d xi ac r lc e a t tmet t le lt rba a e hi orhe c h dr we . efe t d t he i he el r a e l nc d s r as a r I Fe ua y of201 W e l Fa go s ni i t g tve age La r W ila sbe n a n br r 0, ls r e or nvesi a i nt r y li m ga n i si a i i o ac h- a s tgea Se l' br nc Durng t i tgai n,W ila s nve tg ton nt as dr wer hora t we ls a h. i he nvesi to lim l a ed t tc r a n t le sw e e usng ts m t a a to ' t f l e y s em ha e t i e l r r i kha r ns c i ns' o a s l how c h- a e t t l as dr w r o a s be ow t a l l he lowed m a m um . l t s s m ta a tons t fr tt l w o d e e a c s s e xi n he e ha r ns c i , he i s eler ul nt r a h al i o t bank' el c r ni r c d- e ng s t m a a s cond t le w oul el c r c l buy t nt he s e t o c e or ke pi yse nd e e lr d e t oni aly he c s butt fr tt le woul not ysi l delv rt c s t t s ond t l r The t fr t a h, he is el r d ph cal y ie he a h o he ec ele . n he is t le w oul bal nce hi orhe dr w e t s el r d a s r a r o how a a ce t bl c h t ala ç e ' he n c p a e as ot nd s buy' t r undelve e ca h f om t s cond t le . U sng t sm e hod,t fr tt l rcoul bal nc hi or i r d s r he e e l r i hi t he i s ele d a e s 2W elsFago as publs aBeneisBook whihe ai t vai be isa lbl t ban l r lo ihed ft c xpl ned he rous neft vaia e o k e pl es Li t Tea M embe Ha m oye . ke he m r ndbook,heBeneisBoo c ai d adicam e :d hier di t s t ft k ont ne s li r t l ea ng hi W maeilb a r ta . .th plnsaep o ie a ab n ftoeiil ta me e sa dt ieiil tra, e wae h t . (le a r r vd d s e eit lgbe e m mb r n her l be g de pende s Parii toni t eplnsdoesnotc tt t ag a eeorconr ctofe pl e twihW els nt. tcpai n hes a onsiue uarnt ta m oym n t l Fag . .' ( tS mm.. A.1 , No 6 -. ro . . Mo . u J Ex. , 0 ECF . 53) ' 3 he ca h dr we t r fec a a ce a et a wihoutr m o ng c s fom t dr we .Thesder s a r o e l t n c ptbl ot l t e vi a h r he a r i e f t ofc s ,w a t te ec r c ba r c dsbre l r l c e i c a e ca h- r w e t t l . f ec , our e s ha l toni nk e or i fy efe t d nac ur t s d a r o a s A fe l am i oft t le s pr c i e,W ila s c be t r ug t ba sel c r c tr e ng he e l r ' a tc li m om d h o h he nk' e toni r co dsi s a c ofs l- lnce r buy pat m s Hef e r n e r h e lbaa -e te . ound t ts n t l sha e ge i t ha eve eler d nga d n he s pi i patr a t tSe l ha be n i ve i ni oft ta a i ast s c le us cous te n nd ha wel d e nvol d n ne he r ns ctons he o- a ld s c tle .On M a c 11, 0, iln i e v e e ond e lr r h 201 W li ms ntr i wed Se l a t oft o he s pece wel nd wo he t r us t d t le s Thoug s e oft ta a tons ha i e e a tons a 1t eet le sa it t e lr . h om he r ns c i d nnoc nt xpl na i , l hr e l r dm ted o e gi i t pr ctce I ed,Sewel s gne a doc e a i tng he i ol m e : nga ng n he a i . nde li d um nt dm ti r nv ve nt Q: youa knowldget tyourpatcpai wihpr e sngbuysa s lson Do c e ha rii ton t oc s i nd el t s t m w ihoute ha ng c h t m ai t i ca h lm is f o he t le s i he ys e t xc ngi as o n a n s i t or t r e l r s m a pul i t t l s tl m e ta a f l ii ton? ni atng he eler e te n nd a sfca i A :lnow und s a t tbuta t tm e di no . er t nd ha t he i d t (s Adre Se l) // inne wel3 ( .Summ. Ex. 88,ECFNo.65- ) W iln e nt lyi e ve t ot rtles Mot J. A, 3. lims ve ual ntr iwed he he elr (e uli i smia a si 4 a drpore hi fndi t W el Fa g sSe orHuma rs tng n i lr dmisons) n e td s i ngs o ls r o' ni n 3On J 1 , 201, ntesmed yta WelFag fldismoinfrs mmayj d me tS welfe une 5 1o h a a h t l ro i t to o u r u g n, e l i d s e l h ro moinfrs mmayj g n .Ne ryamo t ltr S wel v dt torc terc r 'b ofrn a e wn t o u r ud me t al o nh ae, e lmo e o s re th e o d' y feig c c ofhe e iewrte a ison m itke y bei ngt tt e iedoc e wa notpr e i t rcor opy r ntr itn dm s i - sa nl levi ha he ntr um nt s es nt n he e d. ( eI F r oi fc fldS welse t esae n wihisJ n lt moinfrsmmayj d me t Fi l , n W 1 ag n at ie e l ni ttme t t t u e 5h to o u r u g na nal o s ' r ) y J y25, 2,Se l e s d courea movedt e udehe e iewrte adm ison,cl m i t ti wa ul 201 welr vere s nd o xcl r ntr itn si ai ng ha t s he rayandapr tofd es .Them o i i anovelbeatd,a vexaiusefor t r as e tbls df csand as oduc ur s ton s , l e nd to f t o ec t sa ihe a t is . s ues 4The< it adm isonsi ud t f lw i t''ea tviy o el to cal buyi s li m o y ten si ncl ed he olo ng:d' ci t f ecr ni ly lh ng/elng ne wi o th c s p y ial c a gn ha d b t e tlellh s e g igo sn elb g ne ly n.l t u te ah h sc l h n ig n s ewen elrs a ben on n ic e a mpo me t h y rme rmysl Ad in (e l ,a dtreohes p riiaigi ti p atc . ( tS mm. . x. 85 e mbe et re ne S wel (n he t r) at p tn n hs rcie' Mo. u J E A, , l l c ' ECFNo 6 -)(in da miso d tdMac l , 01 ) $ a k o e g ta Imisae myb ln es ets I . 53 sg e d sin ae rh 5 2 0 . < c n wld e h t sttd aa c h e o l wo l beu d rtec s lmi.Thsa tvt satd3y asa oa dwa tu h t u b Ad ir (e l.We ud n e h ah i t i cii tre er g n s a g to s y reme S wel y l wo l b ya dslmo e wi o te c a gn mo y A1o tetl r ddti smep o e l e' ( o.S mm. . ud u n el n y t u x h n ig ne . l f h el s i hs a r c dz . M t u J h e r ' Ex. 8 , No 6 -)(in da miso d tdMa l 2 1 ) û nlh vet . . eu e t l ti od r A, 6 ECF . 53 sg e d sin ae y 2, 0 0 . ç Whe a o . b nd rhe i n re mi t beb ln e , . 1 i sl(ah i tes tm, v nto g te. . n yi si wi me a d( e lwo l) o aa c d . . dd elc s )n h yse e e h u h h . mo e s tl t , n S wel ud l h s lib c t mei tes se ' ( tS mm. . . 8 , No 6 -)(in da miso d tdMac 1 , elt a k o n h y tm. Mo. u J Ex A, 7 ECF . 53 sj e d sin ae rh 1 ' 2 0 .On tl rh we e, dno sg a a miso a dç e a u igp oa t a da n u c dta sewa 01 ) e el , o v rdi t in n d sin n ç g n sn r fnl n n o n e h t h s e b y r sg n a d lf t er o ' ( o . u J E A, 4, No 6 - ) e inig n e t h o m. M t S mm. . x. 8 ECF . 5 3. ' 4 Re our esAd s rand t DititM a er Al t e oft m a ee t W el Far s d s c vio he src nag . l hr e he gr d hat ls go houl t r i t t i ved e pl es On M a c 15, 0,W e l Fa g notfed Se li w rtng e m na e he nvol m oye . rh 201 ls r o ii wel n ii t ti ha t r i t he , f ec i i m e a e y, t ts wasç te i bl f r hie. ha t d e m na ed r e f tve m di t l and ha he ç lgi e or e r ' no ' ( otSu J Ex. 1 ECFNo. 2. M . mm. . A, , 65- ) Se lt n fl t sl ws t Afe muli ea e m e st core tde i e i sa wel he ied hi a ui. tr tpl m nd nt o r c fcinc e nd as e t hergr s r ot oundsf r lef Se e le nt ly r fned he c ai s t i l de n a i or e i , w l ve ua l e i r l m o nc ude f m ton, br a h ofco r c ,a w r ult r i ton. l t fnali a a i n o herc pl i a s ri ec nt a t nd ongf e m na i n he i nc m to f om a nt s e tng t e gr nds Se e lc a m e t tW e l Fa go de a e herwhe ba e pl esdi c s hos ou , w l l i d ha ls r fm d n nk m oye s us ed he t r i ton w ih va i pe pl t tW els Fa g br ac d a con r c by t r i tng he f r e m na i t r ous o e, ha l r o e he t a t e m na i r or c us whe t r w asi f c no ca e f t r i to a t r f e no bas s f rw ihhol ng a e n he e n at us or e m na i n nd he e or i o t di be tt , nd t tW e l Fa go w r uly t r i t d he i vi a i ofVi gi a spublc polc ne i s a ha ls r ongf l e m na e r n ol ton r ni ' i i y. On J nua y 27,201 t c te e e a m e or ndum opi on a or rdi m i s ng Se e l s a r 2, he our nt r d m a ni nd de s s i w l' w r ult r i ton cl i buttnd ng t ts ha fnaly pl d f t s fci ntt s ongf e m na i am i i ha he d i l e ac s uf i e o uppor he t r c r c a de a a i c a m s The c te a ne t tt w e lpl ade a l ga i ,a ce t d onta t nd f m ton l i . our xpl i d ha he l- e d le tons c p e a t u a vi s r e nd ewed i t lg mos f vor bl t Se l plusbl al ge abr a h ofco r c n he i ht t a a e o wel, a i y le d ec nta t baedo W el Fago' algedfitr t prvi a nzdbe ft.( eM e Op.5, No. s n ls r s le alle o o de cc e neis Se m. ECF 3 ) Thec tf rhe e anedt tSe lhadsae aplusbl dea in cam ba e o 2. our ut r xpli ha wel ttd a i e fmato li s d n he a l ga i ns t pe s he r ng W e l Fa go' sat m e t i e r d t tW e l Fa g r le t o hat r ons a i ls r s t e n s nf r e ha ls r o tr nae Se lf pr e wihmone o honesy.(d.a 1 ) Onc a i t et emi td wel or oblms t yr t 1 t 2. e gan,hos wo cli aebeor t c tnow ont pates cos- tonsfrs ams r f e he our, he ri ' r smoi o ummayj me . r udg nt II . W he e uai W elsFago' eale Rul 1 b)6)moi t dimis t co t n val tng l r s rir e 2( ( ton o s s,he ur lbe a l co t u Sewel' co pl i ta a l i r ly nsr ed l s m a n nd lowed he br c ofc r c c a m t pr ce d ba e r ea h ont a t l i o o e s d o t s ngl t y t tSe e lha a c u butno r e ved, ne ist w hi h s w o d ha n he i e heor ha w l d c r ed, t ec i be ft o c he ul ve be n e il had W e l Far no t r i t d he i t m a ri d d.Though g ve t be tt e ntted ls go t e m na e r n he nne t i i n he ne i o t do a mont ofdicove y,Se lpe sssi o us a i r t rt n de f he ubt nd hs s r wel r it n bf c tng a he ha monsr tng ta i a acua ,f cualbasss n t l at i uppori he b e c ofc r tc am .Afe ha ng r e d hund e t ng r r a h ontac l i tr vi eviwe r ds ofpa ofe de e a ha ng f l ges vi nc nd vi olowed m yra de d- nd f t a l ga i ,t c ti y i d a e ac ual le tons he our s et una e t di c r a f c ua ba i f Se e l sc a m a t r f e gr nt W e l Fa g s m oto f bl o s e n a t l s s or w l' l i nd he e or a s ls r o' i n or s mmayj d me t5 u r u g n. û-l ep anln u g o Rue5 ()ma ae tee tyo s mmayj d me t atr ilh li a g a e f l 6 c nd ts h n r f u r u g n , fe ga qua etmef dic y a upon moton,a i tapa t who f ist m a a s de t i or s over nd i gans ry a l o ke howi ng s fc e t e t bls t e s e e ofa el m e e s nta t t tpary' c e, o w hi h t t ufi i nt o s a i h he xi t nc n e nt s e i l o ha t s as and n c ha pa t wilbe rt bur nofpr a til' ltxCo p. Cart,477U. 31 323( 986 . ry l a he de oof t ra.'Ceoe r v. tet S. 7, 1 ) Theeaet eeee nt t abr c ofc r ta toni Vigi a ( )algalye oce bl r r hr lme s o ea h ontac ci n r ni: 1 e l nf r a e oblg tonofadee ntt apli if ( t defnd tsvi ai orbrac oft to i ton; iai fnda o antf; 2) he e an ' olton e h ha blgai a ( ij yorda get t pli ifc usdbyt brac oft to i to Fia v.Ge g nd 3) nur ma o he antf a e he e h ha blgain. lk or e, 267Va. 2, 4( 61 61 2004) nVigi a e oy nti a wilunls ot nvs sae andma be .I r ni, mpl me s t l e s he ie ttd y t r i t f r a r as orf no r s a a l Lo kha tv.Com m onw e t Ed .Sys,247 e m na ed o ny e on or ea on t l. c r a1h uc . Va.98,10 ( 994) Butast Su e Cour ofVigi aha notd,be us t o-ald trnge 2 1 . , he pr me t r ni s e ca e t c le fi s be tt 't t bet rempl neis end o te oyeemor e i ovepe f ma ea ls e t nove , 1t t al, mpr ror nc nd e s n ur r al o he ditnc a nt oft e o r'DulnyFo ,l .v.Aye s 220Va. 51 ( 979 , si t dva age he mplye,' a ods nc r, 502, 0 1 ) a 5Su r u g n i a p o raewhe Kh pe dn s teds o eya dds l u emae il o tl, n mmayj d me ts p rp it n ç e la ig ,h ic v r n icosr tras n ie a d t a yafd vt s o ta teei n g n ieis ea t a ymaeila t n ta temo a ti e t ldt j d me t n fia is h w h th r s o e un su s o n tra fc a d h th v n s nie o u g n t a amatro lw. F d R. v P. 6c() Th pat mo igfrsmmayj d me t asteb r e o s te fa ' e . Ci. 5 ()2 . e ry vn o u r u g n ber h ud n f ' i or i t co toft ba i f ism oton a i ntf ngt eparsoft r cor t tde o tat t a e nf m ng he ur he ss or t i nd de iyi hos t he e d ha m nsr e he bs nce o ag n ieiseo maeilfc.Ceoe Cop v. tet 4 7U. 31 , 2 ( 9 6 .I rve n as mmay f e un su f tra at ltx r. Cart 7 S. 7 3 3 1 8 ) n e iwig u r j d me t t nu d rRue56 tec utt s d a a1utsa l ifrn e i fv ro t n n vn p ry. u g n moi n e l ,h o r t t rw lj si be n ee c s n a o fhe o mo ig at ' o mu ' UntdSae v CaoiaTrn fr rCo, 8F.d8 2 8 5(t Ci.1 9 )(in An ro v Liet Lo b . i tts . rln a some .97 2 3 , 3 4h r 9 2 ct g des n . b rv b v e i l .47 U. . 4 , 5 ( 9 6 nc, 7 S 2 2 2 5 1 8 :. 6 l aly e or a e o i to t pa a r d be ft ma a iewhe an e oye t c pt'a eg l nf ce bl blga i n o y cc ue ne is y rs n mpl e ç e s' n ac e o rspr s o t ebe ksbyc tnui t wor f t e oye ,s iaa 50 0, mplye' omie f hos net oni ng o k or he mpl r ee p t 9-1 51 Tha i pr ciey t lmie t y on whih t c ur pr vi l alo d Se l' cli 3. t s e s l he i t d heor c he o t e ousy l we wels am f ac nzd be ft t pr e d. or c e ne is o oc e Se l ha g ounded he Dul Foodsde i c ta tf - ne iscai on t wel s r r mw - rved on r c -orbe ft l m he pr miet ts wa e ttedt a c ue be tt unl ss wasdic r d f c us a t t e s ha he s n il o c r d neis es he s ha ge or a e, nd ha W e l Far devi e a r s t t i e he f c s s t ti c l wilhol t e b lt . ls go s d ea on o e= nat r or au e o ha t ou d tz d hos ene i s6 Se e lha e nde cons de a e r s c s i a e f t o esabls t s c o nes ofhe w l s xpe d i r bl e our e n n f or t t i h he pe i us s r tr nai (ori t e, colatr l atc nghe ownsg da si ofwr emi ton f nsanc by l ealy ta ki r ine dmison ongdoi . ng) D e pie m ont ofdicove y, e r Se e lhasm ar ha e not ng s i t W e l Fa go s t hs s r how ve , w l s l d hi how ng hat ls r w ihhel be t s w oul ha r e ve ha W e l Fa g t nni t he wihoutc us t d ne ks he d ve ec i d d ls r o e na ed r t a e. Though Se e lha me i w l s ntoned a va i t ofbe ft t w hi h s f el e il s ha of e ed no rey ne is o c he e s ntted, he s f r 7 evi nc ofa unflildoblgai t ta t ly(re nplusbl a ist he . Be us de e n ufle i ton ha cual o ve a i y) pple o r ca e 6Se l fa d he a gume asf l :Q en tW elsFa gof s y a us Ad inneSewelof wel rme r r nt olows ç Def dan l r alel cc ed re l fliyi b l ngr c dsa t n frd he ba edont sf ia i DefndantW el Fago t us t fle asf ng arki e or nd he ie r s hi abrc ton. e ls r hen ed he as aleg in a ar as t de AdrenneSe l bot be isa monea ycompens to t ts ha eaned. l ato s e on o ny i wel h neft nd tr ain ha he d r Unde Vigni Iw,upontr i to a a - ilempl r ri a a e m nain n tw l oyeec nr co f b e h ofc rctbas d o t deni of a e ver or r ac onta e n he al eanede pl ebe is Defnda W el Far sagum e st tt e pl eha r m oye neft. e nt ls go' r nt ha he m oye ndboo i notac nta tae ks o rc r smpyirlv n. . Dua yF d .n . Ay r, 2 Va 5 2 2 0SE.d1 6(9 9 . ( s Op Mo. i l ree a t . . ln oo sl c v. es2 0 . 0 , 6 . 2 9 1 7 )5 Rep. p. t ' Dimis4, No. . Bae o t t r u n,h c u tserirme rn u o iine pli dta t e l s s ECF 28) s d n ha ag me tte o r' al mo a d m pno x ane h tt wel e s ale f t plusbl s ngt W elsFar pr s d Se l va i be tt ...,ha Se lwor d f lges acs a i y howi hat l go omie wel rous neis t t wel ke or W el Fa gof ra oxi ey fveyea s t tW elsFago it tonal cl sfedhe t nain i s h awa a ls r o ppr matl i r ,ha l r neni ly asii r enni to n uc y s t a odp yn b neks a dta s eh s e ij rdb ta c n u t Asalg d to efcsaes f e tosae o v i a ig e f , n h t h a be n nue y h t o d c. l e ,h s at r uf n t tt e ki apa sbl cam frbe c o c nrc. ( eMe Op 5 ECFNo 3 . lu i e li o r ah f o ta t' Se m. . , ' . 2) Alhough Se l hasadmitdr pe tdl t there oyme wih W elsFa gowa on a a- lba i, t wel te e ae y ha mpl nt t l r s n twil ss (e . ..Rep Mo. u J 6 ECFNo. 2 , n sei fc sg e ad c me ta k o e igten tr o h r se ea, s . tS mm. . , 7 ) a d h n a t in d o u n c n wldgn h aue f e e ly n,Mo. s s Ex. ECFNo. 7 1, e l' ag me th sn w v ee fo h rDulnvF d mpo me t( tDimis A, 2 -) S wels r u n a o er d r m e a oo s te r ç litf o tie ad caainfo teditit n g r ma eteofr MrJ snBelta d e h oy:t anif ban d e lrto r m h src ma a e who d h fe, .udo l h t o s pl , esa ihavai ofe a a ptncecr tng a e oym e conr c r ga di t poston ofsr c m a ge ' tbls ld fr nd cce a eai n mpl nt ta t e r ng he ii e vie na n' ( p y S p . o . u J 3 ECF No 7 . Th r rman , o v r a s lt l n e i e c o ac nr c f r Re l . u p M t S mm. . , . 9) e e e is h we e , b ou e y o v d n e f o ta t o e ly n sbe toa yhigoh rta teb sca- le ly nt o tie a dtec utwi n t o ie te mpo me t uj c t n t n te h n h ai twi mpo me d crn , n h o r l o c nsd r h l l agum e f t r r nt urhe . 7Se 1rcts(u ne e s p o t)an e o camst b n tt:r ee d n W el Fag n get t we1 e i b t v r u p rs umb r f li o e eis K fn a t ls ro e lcs o e icu emaent be ei er e b panifAd in eSe l. .' ( s Op M o. mm. . , No 7 ) n ld tr i n fs an d y litf re n wel . . Rep. p. tSu J 5 ECF . 2. y t ' 7 t l 5 ()ma d t stee tyofsl r j d me t. . g is ap rywh fist ma ea k e 6 c n ae h nr t Ru mmay u g n . a an t a t o al o k s howi s fc e t e t bls t exi t nc ofa el m e te s ntalt t tpa t s c s ,a on ng ufi i nt o s a i h he s e e n e n s e i o ha r y' a e nd tM s.Se li no s ng u t hand t wel s t ui pon he bookasac r tbutupont pr iesm a by W elsFa goi l ng ontac he om s de l r ncudi rlv n p o ssc nan di teh nd o ' (d a 4. i ee d n WelFag as fi t icu esb tnil ee a t r mie o tie n h a bo k. I. t ) r fn a t l r o lo al o n ld u sa t ' s s a e rig fo P i Ti Of ha ine e p i plitf. (d a 6. ç d rh p o e u e ta WelFag a re ann s r m ad me ft tt v r ad anif' l. t ) t e te r c d rs h t l r o g ed ' un s t a d b ,emiainwi o t a s g v a e ly earg tt sv rn ep y' (d a 1-1 . t lsFag o bie y tr n to t u c u e a e n mpo e ih o e ea c a . l . t 8 9) t l ro h ' We ha adut t pr deAdre Sewelwiha1 oft be ist ts eanedi udi t rgh t beei bl f d y o ovi inne l t l he neft ha he r ncl ng he i t o lgi e or rhr . ( tS mm. .l , No 6 . l tfrh flec ag s Ms S wel udb ca ste a eiil fr e ie' Mo. u J 2 ECF . 7) t o te as h re, . e lwo l e lsiid s lgbe o ' Bu rhie' ( py S p Mo. mm. . , No 7 . ' etr icu e b n t sc a p y n fra cue e r . Re l. u p. tSu J 2 ECF . 9) Th ems n ld d e eks u h s a me t o c l d ' a der e padtmeo fi ua eo p r nte, tr t la e eii lt frrhr , n sv rn ep y' (d a n an d i i fknsrnc p o t i smaeni e v , lgbi y o e ie a d e ea c a . 1. t u i y i ' 3. ) Th e oft s mertfrt rdic son.Fis,Se lcli s wasen ildt t û ft'ofbei r e he e i u he s us i rt wel ams he tte o he ç bene i' ng cl sfe a telgi ef r hie.'Not t tndi t f tt tSe lhasfie t i ntf how W el Fa go asiid s t i bl or e r ' wihsa ng he ac ha wel ald o nde iy ls r c nrcu l b u di eft p o ieti t n t 'ic ranyddn t os i tee lye ha bo k, c o ta tal o n t l o r vd hsd ek'(t etil i o d o n h mpo e nd o whih y s be dsli i sa a ac nr c) ten to srist d f to o at e ei' S c n , wel eest p i tme icams t tms s o ta t,h oin tan he ei in f ç n ft' e o d Se lr fr o ad i s ni b of f whihW el Fa g ale yoweshe compenston.Se elsc elpr ousy atm p e t i r et f or c ls r o lgedl r ai w l' ouns evi l te t d o ntoduc he o i o o a e p r wi e sr g r n t ev leo t ep i t o f b t h c u t x l d d i a ce ryu t l pnin f n x e t t s e adig h au f h a d i fl u t e o r e c u e t s la l n i y n me me u d rteFe ea Rue o CiiPrc d r.( e Or e, No 6 . No o l,h n,sha e ie c n t rp r n e h d rl ls f vl o e u e S e d rECF . 2) t ny te it t vd n e o po el y beor t c tbutSe l herefha i c td t ts ha anegi bl amot ofpai tmeof whe W el f e he our, wel s l s ndiae ha he d lgi e mt di f n ls Fa gotr nae he ,a tatcompens tonf pai tmeof i n t bassofherl ui: r e mi td r nd h ai or d i f s ot he i aws t Q A1rg t S thn g asalt bt ee aey ucamiga p r o ti l ih . wi ig e r i l ih r, r o li n s a t fhs c te lws th ty uh dac rana u t fa c e gadtmeot a tetmeyo weeltg , n a uita o a eti mo n o c nld p i i f th i u r e o a d l you di tge alt twhe youwer tr nae dn' t 1 ha n e e mi td? A The emi be f rhour , i hour l t tldi tr ceve.W hat1a r ght ou s fve s eh ha dn' e i m cl mi i t Iwa f s y tr i td, lha bul m ycaee t t sl el a now la not ai ng s hat s alel em nae and d it r r o hi ev , nd m duet tt moveonup i my c r r ha o n a ee . ( pySu p. tS mm. . . 2 ECFNo 7 -. Thr , n fn l S wel i sg n rl t teBe ft Re l p Mo. u J Ex B, , . 82) id a d ial e lct e eal o h neis y, e y Boo a r f r t as ve a - pln s camsmi ha ha s t ei lapplc ton.Acc di t t k nd e es o e r ncepay a he li ght ve d ome heortca iai or ng o he Bene isBook,hepln i a lbl t a e o ea t çposto ei na i 'orat ubsa ilposto c nge. ft t a s vaia e o n mplye ferd iin lmi ton' ç tnta iin ha ' s ' ( tS mm. . A.6 , No 6 - )Re adls o wheh rS welstnuiainte rt al c ul h v Mo. u J Ex. , 8 ECF . 53. g r es f te e l' e n to h oei l o d a e c y quaii t rt pln,t Be ksBoo e anst tt pln i aûi f r benek pl a t tt r i lfed mde he a he net k xpli ha he a s twelae t an' s ha em s d srb du d r( eEmply eReie n lc meS c rt Ac, 9U.. j1 1e sqj'h te ly e h v a ecie n e t h o e trme t n o e u i t2 SC. 00 t e .n ta mpo e s a e y ' rg tt s eu d rj5 2 a o ERIA (9U.. j13 )wh ntepa a mi srtrd ne acam, n ta ih o u n e 0 () f S 2 SC. 12 e h ln d nitao e is li a d h t e oyee s dus t t a i tfcai numbe ...51 ' n c r pondi wiht gover nta tt mpl s houl e he s n den ii ton pl r 2'whe ores ng t he nme bou he pln ( tS mm. . x. ,6 , 5 7 ECFNo. 53. S wel o sno c neth fc t th plni g v r e a . Mo. u J E A. 8 7 , 6, 6 - ) e ld e t o tste atha te a s o en d by ERI a i t a a gue t tû SA i ...ir eva be us t is i no t de alofbeneist ape s SA, nd nse d r s ha C ERI s rel nt ca e he s ue s t he ni tt o r on c r dby a empl ebe i plnbu t rg o t e plyee i t sca eM s Se elt c r a ove e n oye neft a t he iht f he m o , n hi s . w l, o oveage nd o p rt t spo ie b tee o e '( s . p Mo. u J 1 , No 7 ) p o t i rvd d y h mply n' Rep Op . tS mm. . 9 ECF . 2. mie ERI pr m pt saelw st ttr aet 'e plyeew efr be t pl ,i udi t c mon lw SA ee s tt a ha <elt o' m o la e nek ans ncl ng he om a rg t o e ly e se n t rc v rpa b n ft.2 U. C. l 4 a; lt f l . v. d a , 1U.. ihs f mpo e s ekig o e o e ln e ei 9 S. j l4() Pi Lie ns Co. De eux 48 S s o 41 4 (9 7 (I asaelw (eaes t . . mply ebe eiplnll'tspee td'; e as Mer Liels , 5 1 8 ) (f tt a rltg)o . e o e n ft a srii r-mpe .) s e lo to. f n . L ' Co v Ta lr 4 lU. 5 , 2( 9 7 (idn ta ERIA pe mpe ac mmo 1w c nrc cam frb n ftl . . yo, 8 S. 8 6 1 8 ) fn ig h t S re td o n a o ta t li o e ei ; s Grs a v. mb r nsMutCa . .40 F.d2 3 2 8(t Ci. 0 5 CGe eal, e asaelw cam eh m Lu eme ' . s Co, 4 3 5 , 5 4h r 2 0 ) t n rly wh n tt a li ma fil beviwe a analenatveme ofrcove i beneisale y dueunde ERI t r wilbe y ary e d s tr i ans e rng tt lgedl r SA, he e l pe mpin.l Dac n eov Veio Co 's l .2 2F3 1 ,15(t Ci. 0 2 (t na t nt e fre re to '; ra z l . rz n mmcn .nc, 9 .d 81 9 4h r2 0 ) (A1 ci o noc ' ( o t tr sofac r t whe t tc r cti a ERI pln,i ofne esiyanale nai e or m e m e ha s he em ontac, n ha onta s n SA a s c st tr tve nf ce nt c nim f rERI 55 2 a d i t e e o ete aed) o a ERI A p a a dp e mp e b j51 5 S wel a mas ae n o SA 0 n s h r f r r lt l t ' n S ln n r e td y 4. e l h s rh ld o 3. f csi d c tn t a t ep a ( r f rt a matr a y pln i t Be eisBo k) sa yhig b t : la eb n Gt a t n iaig h t h ln o , o h t te , n a n he n tt o i n t n u a < fr e e we pa 'sbe toERI A a d c n e u nl, S pe mp in Un e ERI A,S welso lg tdt e h ush r ln' u jc t S n , o sq e ty ERIA re to . d r S e li biae o x a t e a i srtver dm nitai emedisbeor pr e utnghe cam i cou t Se Hi v v. i t Enui Co p.43 F. 941 9 e f e os c i r li n r. e cke D gial p. r , 3d , 45 ( t Ci.1 9 ) 4h r 9 5 . 8 whih t tpa t wilbea t blr n ofpr ofa ti , t c tg a sW elsFa go' m o i f r c ha ry l r he zde o t ral' he our r nt ' l r s ton o s mma yj g n o t i cam.Ceoe 47 U. a 3 . u r ud me t n hs li ltx, 7 S. t 23 111 . Sewe lc e t tW els Fa go e pl esdi c s d t c r um sanc s ofhe l ont nds ha l r m oye s us e he i c t e r tr i to wih ot r and t r d a d he .Be us Se lhasnote t bls t f ul e m na in t he s he eby ef me r ca e wel sa ihed he a t n c sayt i o ela ii t c u tga t W el F r o' moi nf rs e e sr o mp s iblt he o r rn s ls a g s to o umma yj d me t y, r u g n. Unde Vigi al aprva ei vi ls ngf def ton mus s t tt r r ni aw, i t ndi dua ui or ama i t how ha he de e ntw asa f ul f r publs ng a f l e de a a or s a em e . Se Le i v. e ,281 Va. f nda ta to i hi a s , f m t y t t nt e w s K i 71 725( 1 (ii Hyl v. yt nTe h.Seys Co.277Va.40,46( :;J r nv. 5, 201 ) ctng and Ra heo c r . , 2009 oda Kolma 269Va. 575( ) Dea t ysae t aet et tconc r a ha m t l n, 569, 2005 . fmaor ttmens r hos ha en nd r he pli ifort pl i ifsr putton.Hylnd,277 Va. t46;s ea s Cha n v. ahtRi de . antf he antf' e a i a a e lo pi Kni - d r l .993F. 1 11 ( hCi.1 93 (( betcina e't saeme mus benotonl nc, 2d 087, 08 4t r 9 ) ( To ato bl, he tt nt t y fle, as dea t y,t ti,i mus ûe )s t ham t rputtonofa he a t l r as but lo fmaor ha s t t tndr o o r he e ai not r s o owe hi i t e tm a i oft co m uniy ort de e t r pe s f om as oc a i ordea i w ih m n he s i ton he m t o t r hid r ons r s i tng lng t hm.'q o igRettme t( c n )o To t j5 9 W odsta prj ieapes ni hs i ' (u tn sae n Se o d f rs 5 :. r h t eudc ' ro n i p of son,orwhi h i put a unf s t pe f m t d i ofe oyme ,a edef ma o y r es i c m e n hne s o ror he utes mpl nt r a tr pe s .Cawiev. c r e r l RihmondNe pa r,1 Va 1 7(95 ;seas Hylnd, 7Va a 46. ws pes 96 . , 1 4) e lo a 27 . t To e t bls f ul,aprva ei vi lS us s t tt de e ntkne t tt sa e nt sa ih a t i t ndi dua t t how ha he f nda m w ha he t t me wasf l e, , le ng t tt s a e e tw a t ue l c d a r a ona e bas sf s h be i ,o a s or be i vi ha he t t m n s r , a ke e s bl i or uc lef r a td neglge l i f lng t de e mi t f ct on whih t pub iaton wasbas d. Le s ce i nty n aii o t r ne he a s c he lc i e ' wi, ' 281Va. t7 FoodLi I v. etn, 0Va 1 150( 995) a 25; on. nc. M lo 25 . 44, 1 . 9 He e, Se l i ii st f l ng i t nc sofal d de n a i 8by W elsFa go' r we l dentfe he olowi nsa e l r s lege f m ton em pl oyees' . 4 W e1 Fag c tmelM s Ht lyrc le s e iial t a Se a i Mit n 4 ls r o uso r . l e e ald p cfc l h t tfne tma , ( r y a em pl n oyee a W e l Fa go d i busne shour phys c ly c os d a doors t ls r urng i s s ial l e o t tot r co d nothea a t d M s Htre t te r ne,i udi A dre ha he s ul r nd ol . ll y ha ve yo ncl ng i nne Se l, be ntr nae f ial et f l polc a pr dur ''( . welhad e emi td or f iur o olow iy nd oce e.' Mot S mm. . 0 ECF No 6 . u J 1, . 7) ç a on D i , f r e W e l Fa go e pl e t tte unde oa h t tV igi a ss l ggs a o m r ls r m oye , esii d r t ha r ni Ha r t sor m a ge , ol t le sa t br nc t ta 1 heot rt l r had ge , he t e na r t d elr t he a h ha 1 t he ele s be nfr df çasf ngdocl nt.' IIs e ie or fliyi tme s'' Ll) i igi a Hage ... ns r t t le s ... fcu t er pe s s e i as ng û r ni v r i t uc ed e l r i s om s r i t d n ki que tonst s y t tA drenne Se el a ot rt le sw e e t r i t d f t t s i o a ha i w l nd he e l r r e m na e or no f lwi polc a pr e e., (d.s olo ng iy nd oc dur ,, I ) H owe r i i unco r di t t tbef e a hi w a s i c e ni Se e l st r i ton, ve , t s nt a c ed ha or nyt ng s a d onc r ng w l' e m na i W e l Fa go' c e i tga i ofi e ha ale dy c ls r s hi f nves i tve t c r d r a onduc e a i s i ton,ga he e t d n nve tga i t rd s ppo tngs pi ousee to cba r o ds a i eviwe t tlesi ve (ncudi u ri us ci lcr ni nk ec r , nd ntr e d he elr nvol d i l ng Se l) Se l a a1butoneoft ot tlesa te t elcr cal buyi a s lng wel. wel nd 1 he her elr dmitd o e toni ly ng nd eli ca h wiho physc ly e ha ng i,whi h i undiput dl avi ai ofW elsFar polc s t ut i a l xc ngi t c s s e y ol ton l go iy. ( eM otSumm. .Ex. 8 ECFNo. - )(t Doyouac Se . J A, 8, 653. t Q: knowldget tyourpa tcpai e ha rii ton Bse lm e i va i ot rs a e e s noneofwhih aer m oel aci bl wel ntons r ous he t t m nt , c r e t y tona e. 9Thes t e ase to a enote iel a trt . Fo i t e,Hlre di notsy éf l et f l polc e hr e s rins r ntr y ccla e r nsanc zly d a taiur o olow iy a p o e ue' Rah r Hu lyma eti sae n :i tma )si ta te weeItg f r o fl wig nd rc d r. te, re d hs ttme tfMit n ad h th y r e o o n t ol n ' l o po e ue a dta' e a tywha s es i t me' ( pyS p Mo. u J Ex. 2 ECFNo. 94. ç h rc d r, n h ts x cl t h ad o . Re l u p. tS mm. . 4, , ' 7-) t e s dd 'syp l y ta s en ve flo dpoiy.1n v rsae ta, e a s s edd 'syta t me' (d a 4) int a oi ,h t h e r olwe l c c e e ttd h tb cu e h int a h to . l . t . ' W hatve t prciesae e r he e s ttment e h ofSe lsalgai i vess vaitonont t , ac wel' le tons nvol ome rai he hemeoff lii ton o asfcai r non-dherncet pr dlr a e o oce ze. S welslts fl g aerplt wi smi ria c rce.Fo e a l,h sae ,t c r igt p g 1 e l' aet ii s r e ee t i l n c u ais r x mpe se tts<Ac odn o a e n h a l 4o teBe eksBo k e ly e )h t r li ofh v teo to t p rh s isza c a prfrnilae fru fh n t o , mpo e s ta ae ad f a e h pin o u c ae n l n e t eee t rts o p r a t l mo tsa e e o me . ( s . p Mo. u J 6 ECFNo. 2. Ho v r p g 14o teBe eis o 8 nh h r mply nt' Rep Op . tS mm.. , ' 7 ) we e, a e - fh n tt Bo k d e no me to ly fs po tly fi u a c r ts o a yp s-a o fp r h sn wid w.( e Ad ' Ev. o o s t n in a o f , s-a of ns r n e ae , r n o tly f u c a i g n o S e d l Ex l ECFNo 7 -. S wel locamsta,tnvoaino i d te of ico ue d fn a tWel Fag ., . 5 1) e las li h tt ilto ft uis dsls r, ee d n ls ro l s r us dt eve dicus t t m sofpl ntf Adre Se lsl te oy e c r c f s r i m a n' ef e o n s s he er ai if inne wel' as mpl m nt onta t or e vce nage ' ( pySu p. tS mm. . , No 7 )(in ad p st no aWel F r owi e s.I fc,h wi es Re l p Mo . u J 2 ECF . 9 ct g e o ii f l ag t s) n a tte t s i o s n n ma en s c rf sl nda wee a1 fc u slsq eto s ( e Re l S p . tS mm. . .l , , No d o u h eu a a ns rd lo o n e' u sin . 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Afe t i tgai W iln dicuse ney. 1 he eles d hi a oc dur ' tr he nvesi ton, lims s s d ). hi fndi w ih W e l Fa g sSe orHum a Res r e Advi ora t D i ti tM a ge . A l s i ngs t ls r o' ni n ou c s s nd he s r c na r 1 t ee oft m a e t tW e l Fa g s d t r i t t e pl esf t i pa tci to i hr he gr ed ha ls r o houl e m na e he m oye or he r r i pa i n n t tansactons. he r i l t f ce ofa i ve tga i butr s e by ta a tona r c ds a w rte a i sons n he a n n s i ton t e s d r ns c i l e or nd it n dm s i , Se e lhase w l ndea e t s f t oresa a gum e sbuthasf ie t m ake a c r t f c ua vor d o hi t he i nd r nt a ld o ohe en , a t l s howi t tW elsFa go kne t tissa e nt we ef s or bei ng t tu l c d a ng ha l r w ha t tt me s r ale, , levi hem r e, a ke r as na eba i f t tbe iforace neg i nty i f ii t de e mi t f t on whi h t e o bl s s or ha le td lge l n alng o t r ne he ac s c he publc to we ebas d. Se l hast r f ef ie t ma as i a ins r e wel he e or a ld o ke howi s tc e tt esa ih ng ufi i n o tbls t e se ofa e e e es e i lt he c s . A c o di y,t c t a s W e l Fa go' he xi t nce n l m nt s nta o r a e c r ngl he our gr nt ls r s mo infrs mmayj dg n o t scam.0 to o u r u me t n hi li 1 1 I vigi a t pli ifbe r t bu de ofpr ngt tt alege deam aor sa e e i fle.Se 0 n r ni , he antf a s he r n ovi ha he l d f t y tt m nt s as e Ch pi, 9 F.da 1 0 (t l Vi ni . .h panifn w c risteiiil ude of r vn fliy'; e as a n 9 3 2 t 1 # (ln r a . te litf o are h nta b r n p o ig ast.)se lo l gi ' Am. mmcn Newok lc v. iims 2 4Va 3 , 4 - ( 0 )(x li n t tr esae nsaen t Co 's t r.n . W la , 6 . 36 3 0 41 20 2 e panig ha tu ttme t r o l ato a l) Hee n to yh sS wel aldt etbihful seh sn tpo e fli cin be. r, o nl a e lfie o sa ls a t h a o rv d ast , y. 11 I . V Fo t ra o ssae ,h c u t rn sW el F r o' moin frs mma yj d me ta d r he e s n ttd te o r g a t l ag s to o u r u g n n s d n e S welsmoin frs mma' j d me t e is e l' to o u l u g n. y ,' .r ENTER : A ugus 14,2012. t A' UN I TED STA TES D I STR I J DG E CT U 12