Fritz v. Resurgent Capital Services, LP et al

MEMORANDUM in Opposition re MOTION TO DISMISS FOR FAILURE TO STATE A CLAIM

E.D.N.Y.December 21, 2012

Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 1 of 63 PageID #: 915 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 2 of 63 PageID #: 916 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 3 of 63 PageID #: 917 i Table of Authorities Cases Acosta v. James A. Gustino, P.A., 2012 WL 2017337 (11th Cir. June 6, 2012) .................................................................... 43 Advanced Magnetics, Inc. v. Bayfront Partners, Inc., 106 F.3d 11 (2d Cir.1997) ............................................................................................... 12 Agan v. Katzman & Korr, PA, 2004 WL 555257 (S.D. Fla. Mar. 16, 2004) ................................................................... 42 Akalwadi v. Risk Mgmt Alternatives, Inc., 336 F. Supp.2d 492 (D. Md. 2004) ................................................................................. 29 Amerson v. Chase Home Fin., LLC, 2012 WL 1686168 (D. Colo. May 7, 2012) .................................................................... 41 Ashcroft v. Iqbal, 556 U.S. 662 (2009) ............................................................................................................ Balk v. Fererstein & Smith, LLP, 2011 WL 1560984 (W.D.N.Y. Feb. 18, 2011) ............................................................... 38 Balsly v. West Michigan Debt Collections, Inc., 2012 WL 628490 (E.D. Va. Feb. 27, 2012) ............................................................... 42,43 Basile v. Blatt, Hasenmiller, Liebsker & Moore, LLC, 632 F. Supp.2d 842 (N.D. Ill. 2009) ............................................................................... 39 Bell Atlantic Corp. v. Twombly, 550 U.S. 544 (2007) ............................................................................................................ Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 4 of 63 PageID #: 918 ii Bentley v. Great Lakes Collection Bureau, 6 F.3d 60 (2d Cir. 1993) ............................................................................................... 2,16 B & F Bldg. Corp. Liebig, 76 N.Y.2d 689 (1990) ..................................................................................................... 26 Ben Krupinski Builder & Assocs., Inc. v. Baum, 36 A.D.3d 843 (App. Div. 2d Dep’t. 2007) .................................................................... 26 Bernstein v. Howe, 2003 WL 1702254 (S.D. Ind. March 31, 2003) .............................................................. 30 Bilello v. JPMorgan Chase Ret. Plan, 592 F. Supp.2d 654 (S.D.N.Y. 2009) .............................................................................. 35 Bourff v. Rubin Lublin, LLC, 674 F.3d 1238 (11th Cir. 2012) ................................................................................. 11,16 Braatz v. Leading Edge Recovery Solutions, LLC, 2011 U.S. Dis. LEXIS 123118 (N.D. Ill. Oct. 21, 2011) ............................................. 9,10 Bradshaw v. Hilco Receivables, LLC, 765 F. Supp.2d 719 (D. Md. 2011) ............................................................................ 23,24 In re Bressler, 387 B.R. 446 (Bankr. S.D.N.Y. 2008) ............................................................................ 37 Broughman v. Chiari & Ilecki, LLP, 2012 WL 5880945 (W.D.N.Y. Nov. 21, 2012) ......................................................... 21,22 Burdick v. Palisades Collection, LLC, 2008 WL 80943 (C.D. Cal. Jan. 3, 2008) ....................................................................... 28 Calabrese v. CSC Holdings, Inc., 2004 WL 3186787 (E.D.N.Y. July 19, 2004) ................................................................. 40 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 5 of 63 PageID #: 919 iii California Motor Transp. Co. v. Trucking Unlimited, 404 U.S. 508 (1972) ........................................................................................................ 40 Carvel Farms Corp. v. Bartomeo, 272 N.Y.S.2d 507 (N.Y. Sup. Ct. Westchester County 1965) ........................................ 12 Catala v. Resurgent Capital Services L.P., 2010 WL 2524158 (S.D. Cal. June 22, 2010) ................................................................... 5 Centurion Capital Corp. v. Druce, 14 Misc. 3d 564 (N.Y. Civ. Ct. N.Y. County 2006) ................................................. 25,34 Clomon v. Jackson, 988 F.2d 1314 (2d Cir. 1993) ..................................................................................... 18,19 Coble v. Cohen & Slamowitz, LLP, 824 F. Supp.2d 568 (S.D.N.Y. 2011) .............................................................................. 17 Colorado River Water Conservation Dist. v. U.S., 424 U.S. 800 (1976) ........................................................................................................ 41 Cousins v. Duane St. Assocs., 7 Fed. App’x 85 (2d Cir. 2001)........................................................................................ 38 D’Arata v. New York Cent. Mut. Fire. Ins. Co., 76 N.Y.2d 659 (1990) ..................................................................................................... 37 Davis v. Trans Union, LLC, 526 F. sup.2d 577 (W.D.N.C. 2007) ............................................................................... 29 Day v. Union Mines, Inc., 862 F.2d 652 (7th Cir. 1988) .......................................................................................... 43 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 6 of 63 PageID #: 920 iv Derisme v. Hunt Leibert Jacobson P.C., 2012 WL 3000386, (D.Conn. July 23, 2012) ................................................................. 16 Diaz v. Portfolio Recovery Assocs., LLC, 2012 WL 661456 (E.D.N.Y. Feb. 28, 2012) ......................................................... 16,19,33 DirectTV, Inc. v. Rowland, 2005 WL 189722 (W.D.N.Y. Jan. 22, 2005) .................................................................. 41 Dittmer v. County of Suffolk, 146 F.3d 113 (2d Cir. 1998) ............................................................................................ 42 Ditty v. CheckRite, Ltd, 973 F. Supp. 1320 (D. Utah 1997) .................................................................................. 30 In re Douds, 327 B.R. 122 (Bankr. W.D.N.Y. 2005) .......................................................................... 35 Dudek v. Thomas & Thomas Attys & Counselors at Law, 702 F. Supp.2d 826 (N.D. Ohio 2010) ................................................................................ Duffy v. Landberg, 215 F.3d 871 (8th Cir. 2000) .......................................................................................... 30 Eads v. Wolpoff Abramson, LLP, 538 F. Supp.2d 981 (W.D. Tex. 2008) ............................................................................ 27 Ellis v. Soloman and Soloman, PC, 591 F.3d 130 (2d Cir. 2010) ............................................................................................ 23 Ekinici v. GNOC Corp., 2002 WL 31956011 (Dec. 31, 2002) .............................................................................. 38 Evans v. Ottimo, 469 F.3d 278 (2d Cir. 2006) ............................................................................................ 37 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 7 of 63 PageID #: 921 v Exxon Mobil Corp. v. Arabia, Inc., 544 U.S. 280 (2005) ........................................................................................................ 41 Fin. California, Inc., v. Lawyers Title Ins. Corp., 2010 WL 4876014 (D. Conn. Nov. 22, 2010) ................................................................ 20 Finnegan v. Univ. of Rochester Med. Ctr., 21 F. Supp.2d 223 (W.D.N.Y. 1998) .............................................................................. 29 Fiorenzano v. LVNV Funding, LLC, 2012 WL 2562415 (D.R.I. June 29, 2012) ..................................................................... 24 First Interstate Bank of Fort Collins, N.A. v. Soucie, 924 P.2d 1200, 1202 (Colo.App. 1996) ............................................................................ 4 Fontell v. Hassett, 2012 WL 2479543 (D. Md. June 28, 2012) ...................................................................... 4 Foster v. D.B.S. Collection Agency, 463 F. Supp.2d 783 (S.D. Ohio 2006) ............................................................................ 27 Fox v. Citicorp Credit Servs., 15 F.3d 1507, 1516 (9th Cir. Ariz. 1994) .......................................................................... 4 Gabriele v. Am. Home Mortg. Servicing, Inc., 2012 WL 5908601 (2d Cir. Nov. 27, 2012) ..................................................... 14,15,16,35 Gaidon v. Guardian Life Ins. Co. of Am., 94 N.Y.2d 330 (1999) ......................................................................................................... Garcia v. Resurgent Capital Services, L.P., 2012 1144239 (N.D. Cal. Apr. 4, 2012) ........................................................................... 6 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 8 of 63 PageID #: 922 vi Gearing v. Check Brokerage Corp., 233 F.3d 469 (7th Cir. 2000) ......................................................................................... 17 Gerber v. Citigroup, Inc., 2009 WL 248094 (E.D. Cal. Jan. 29, 2009) ................................................................... 40 Gervais v. Riddle & Assocs., PC, 479 F. Supp.2d 270 (D. Conn. 2007) .............................................................................. 18 Goins v. JBC & Assocs., PC, 352 F. Supp.2d 262 (D. Conn. 2005) ......................................................................... 23,24 Goldman v. Cohen, 445 F.3d 152 (2d Cir. 2006) ................................................................................................ Grant-Hall v. Cavalry Portfolio Servs, LLC, 856 F. Supp.2d 929 (N.D. Ill. 2012) ............................................................................... 17 Grdn v. Leiken, Ingber & Winters, PC, 643 F.3d 169 (6th Cir. 2011) .......................................................................................... 17 Harrington v. CACV of Colorado, LLC, 508 F. Supp. 128 (D. Mass. 2007) .................................................................................. 17 Harris v. Jacob Marsh, LLC 2012 WL 3655357 (W.D.N.Y. July 6, 2012) .................................................................. 38 Hartman v. Great Seneca Fin. Corp., 569 F.3d 606 (6th Cir. 2009) .......................................................................................... 39 Hasbrouck v. Arrow Fins. Servs., LLC, 2011 WL 1899250 (N.D.N.Y. May 19, 2011) ................................................................ 18 Heintz v. Jenkins, 514 U.S. 291 (1995) ........................................................................................................ 39 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 9 of 63 PageID #: 923 vii Hepsen v. J.C. Christensen and Assoc., Inc., 2009 WL 3064865 (M.D. Fla. Sept. 22, 2009) ................................................................. 7 Interpharm, Inc. v. Wells Fargo Bank, N.A., 655 F.3d 136 (2d Cir. 2011) .............................................................................................. 2 Ison v. Javitch, Block & Rathbone, 2007 WL 2769674 (S.D. Ohio Sept. 18, 2007) .............................................................. 40 Jackson v. Midland Funding, LLC, 468 Fed. Appx. 123 (3d Cir. 2012) ................................................................................. 19 Jacobson v. Healthcare Fin. Servs., 516 F.3d 85 (2d Cir. 2008) ........................................................................................... 2,23 Jenkins v. Gen. Collection Co., 538 F. Supp.2d 1165 (D. Neb. 2008) .............................................................................. 19 Jerman v. Carlisle, McNellie, Rini, Kramer & Ulrich LPA, 130 S. Ct. 1605, 1622 (2010) ............................................................................................. 4 Johnson v. Rowley, 569 F.3d 40 (2d Cir. 2009) ................................................................................................ 2 Karlin v. IVF Am., Inc., 93 N.Y.2d 282 (1999) ..................................................................................................... 32 Karony v. Dollar Loan Ctr., LLC, 2010 WL 5186065 (D. Nev. Dec. 10, 2010) ................................................................... 29 Kaufman v. Eli Lilly & Co., 65 N.Y.2d 449 (1985) ..................................................................................................... 37 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 10 of 63 PageID #: 924 viii Kimber v. Fed. Fin. Corp., 668 F. Supp. 1480 (M.D. Ala. 1987) ........................................................................... 5,18 Kinel v. Sherman Acquisition II LP, 2007 WL 2049566 (S.D.N.Y. July 13, 2007) ................................................................. 28 Klein v. Soloman & Soloman, P.C., 2011 WL 5354250 (D. Conn. Oct. 28, 2011) ............................................................ 14,19 Kuhn v. Account Control Tech, Inc., 865 F. Supp. 1443 (D. Nev. 1994) .................................................................................. 24 Lane v. Fein, Such and Crane, LLP, 767 F. Supp.2d 382 (E.D.N.Y. 2011) ............................................................................. 21 LeBlanc v. Unifund CCR Partners, 601 F.3d 1185 (11th Cir. 2010) ................................................................................... 3,23 Lesher v. Law Offices of Mitchell N. Kay, PC, 650 F.3d 993 (3d Cir. 2011) ................................................................................................ Loftis v. Credit Acceptance Corp., 2011 WL 976621 (E.D. Ark. March 18, 2011) ............................................................... 19 LVNV Funding, LLC v. Trice, 952 N.E.2d 1232 (IL App. Ct 2011) ............................................................................... 26 Magrin v. Unifund CCR Partners, Inc., 52 Fed. Appx. 938 (9th Cir. 2002) .................................................................................. 28 Maguire v. Citicorp Retail Servs., Inc., 147 F.3d 232 (2d Cir. 1998) ................................................................................................ Mangum v. Action Collection Servs., Inc., Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 11 of 63 PageID #: 925 ix 575 F.3d 935 (9th Cir. 2009) ............................................................................................ 8 Marchant v. U.S. Collections West, Inc., 12 F. Supp.2d 1001 (D. Ariz. 1998) ............................................................................... 24 Martinez v. Albuquerque Collection Servs., 867 F. Supp. 1495 (D.N.M. 1994) .................................................................................... 4 Martsolf v. JBC Legal Group, P.C., 2008 WL 275719 (M.D. Pa. Jan. 30, 2008) ...................................................................... 5 Mascoll v. Strumpf, 2006 WL 2795175 (E.D.N.Y. Sept. 26, 2006) ............................................................... 41 Massey v. On-Site Manager, Inc., 2012 WL 3641367 (E.D.N.Y. Aug. 23, 2012) .................................................................. 8 Matter of McGrath v. Gold, 36 N.Y.2d 406 (1975) ..................................................................................................... 35 McAffee v. Law Firm of Forster & Garbus, 2008 WL 3876079 (E.D.N.Y. Aug. 18, 2008) ................................................................ 21 McCollough v. Johnson, Rodenburg & Lauinger, LLC, 637 F.3d 939 (9th Cir. 2011) ..................................................................................... 17,19 McKnight v. Benitez, 176 F. Supp.2d 1301 (M.D. Fla. 2001) ........................................................................... 35 Midland Funding LLC v. Brent, 644 F. Supp.2d 961 (N.D. Ohio 2009) ............................................................................ 18 Midland Funding LLC v. Tagliafferro, 33 Misc.3d 937 (Sup. Ct. Richmond County 2011) ...................................................... 34 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 12 of 63 PageID #: 926 x Miller v. Account Mgmt. Servs., 2008 WL 2338300 (N.D. Ind. June 3, 2008) .................................................................... 6 Miller v. McCalla, Raymer, Padrick, Cobb, Nichols & Clark, LLC, 214 F.3d 872 (7th Cir. 2000) ............................................................................................ 3 Miller v. Upton, Cohen & Slamowitz, 687 F. Supp.2d 86 (E.D.N.Y. 2009) .......................................................................... 30,31 Nero v. Law Office of Same Streeter, PLLC, 655 F. Supp.2d 200 (E.D.N.Y. 2009) ............................................................................. 23 Newman v. CheckRite California, Inc., 912 F. Supp. 1354 (E.D. Cal. 1995) ................................................................................ 30 Oei v. N. Star Capital Acquisitions, LLC, 486 F. Supp. 2d 1089, 1096 (C.D. Cal. 2006) .................................................................. 4 Oswego Laborers’ Local 214 Pension Fund v. Marine Midland Bank, N.A., 85 N.Y.2d 20 (1995) .................................................................................................. 32,33 Patzka v. Viterbo College, 917 F. Supp. 654 (W.D. Wis. 1996) ............................................................................... 30 Perez v. Telecheck Servs., Inc., 208 F. Supp.2d 1153 (D. Nev. 2002) .............................................................................. 28 Peter v. GC Services, L.P., 310 F.3d 344 (5th Cir. 2002) ............................................................................................ 3 Phifer v. Home Savers Cons. Corp., 2007 WL 295605 (E.D.N.Y. Jan. 30, 2007) ....................................................................... Pipiles v. Credit Bureau of Lockport, Inc., Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 13 of 63 PageID #: 927 xi 886 F.2d 22 (2d Cir. 1989) .................................................................................................. Poirier v. Alco Collections, Inc., 107 F.3d 347 (5th Cir. 1997) .......................................................................................... 24 Pollice v. Nat’l Tax Funding, L.P., 225 F.3d 379 (3d Cir. 2000) .............................................................................................. 4 Purnell v. Arrow Fin. Servs., LLC, 303 F. Appx. 297 (6th Cir. 2008) .................................................................................... 29 Resurgent Capital Servs., LLC v. Mackey, 32 Misc. 3d 265 (N.Y. Dist. Ct. Nassau County 2011) ............................................. 13,14 Richstone v. Chubb Colonial Life Insurance, 1999 WL 287332 (May 7, 1999, S.D.N.Y.) ................................................................... 12 Riordan v. Nationwide Mut. Fire Ins. Co., 977 F.2d 47 (2d Cir. 1992) .................................................................................................. Rivera v. Bank One, 145 F.R.D. 614 (D.P.R. 1993) ........................................................................................ 29 Rodriguez v. It’s Just Lunch, Intl., 2010 WL 685009 (S.D.N.Y. Feb. 23, 2010) ....................................................................... Ruggles v. Wellpoint, Inc., 253 F.R.D. 61 (N.D.N.Y. 2008) ...................................................................................... 14 Russell v. Equifax A.R.S., 74 F.3d 30 (2d Cir. 1996) .................................................................................................. 9 Schuh v. Druckman & Sinel, LLP, 602 F. Supp.2d 454 (S.D.N.Y. 2009) .............................................................................. 38 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 14 of 63 PageID #: 928 xii Securitron Magnalock Corp. v. Schnabolk, 65 F.3d 256 (2d Cir. 1995) .............................................................................................. 32 Segal v. Brachfeld, 2012 WL 3792756 (N.D. Cal. Aug. 31, 2012) ................................................................ 6 Shelton v. Wilson, 2006 WL 1737221 (9th Cir. June 23, 2006) ................................................................... 35 Shula v. Lawent, 359 F.3d 489 (7th Cir. 2004) ..................................................................................... 27,39 Sial v. Unifund CCR Partners, 2008 WL 4079281 (S.D. Cal. Aug. 28, 2008) ................................................................ 40 Simmons v. Roundup Funding, LLC, 622 F.3d 93 (2d Cir. 2010) .............................................................................................. 16 Simpson v. Alter, 78 A.D.3d 813, (App. Div. 2d Dep’t. 2010) ............................................................. 35,36 Smith v. LVNV Funding, LLC, 2012 WL 3890255 (E.D. Tenn. Sept. 7, 2012) ............................................................... 24 Smyth v. Merchants Credit Corp., 2012 WL 2343031 (W.D.Wash.. June 19, 2012) ............................................................ 21 Somin v. Total Cmty. Mgmt. Corp., 494 F.Supp.2d 153 (E.D.N.Y. 2007) ................................................................................ 8 Spagnola v. Chubb Corp., 574 F.3d 64 (2d Cir. 2009) .............................................................................................. 31 Spencer v. Standard Metals & Chems. Corp., Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 15 of 63 PageID #: 929 xiii 237 N.Y. 479 (1924) ...................................................................................................... 12 Sprinkle v. SB&C LTD, 472 F. Supp.2d 1235 (W.D. Wash. 2006) ....................................................................... 24 Stiff v. Wilshire Credit Corp., 2006 WL 141610 (D. Ariz. Jan. 17, 2006) ..................................................................... 28 Stutman v. Chem. Bank, 95 N.Y.2d 24 (2000) ....................................................................................................... 34 Suffolk Fed. Credit Union v. Cumis Ins. Soc., Inc., 829 F. Supp. 2d 82, 86 (E.D.N.Y. 2010) ........................................................................ 43 Sullivan v. Equifax, 2002 WL 799856 (E.D. Pa. April 19, 2002) ................................................................... 29 Super Star Sneakers & Sports, Inc. v. Bata Shoe Co., Inc., 508 F. Supp. 260 (E.D.N.Y. 1981) ................................................................................. 37 Suquilanda v. Cohen & Slamowitz, LLP 2011 WL 4344044 (S.D.N.Y. Sept. 8, 2011) ............................................................. 11,19 Sykes v. Mel Harris & Assoc., LLC, 757 F. Supp. 2d 413 (S.D.N.Y. 2010) ................................................. 8,15,16,32,33,39,40 Titus v. Wallick, 306 U.S. 282 (1939) ........................................................................................................ 12 Uche v. North Star Capital Acquisition, LLC, 2011 WL 978240 (D. Neb. March 17, 2011) .................................................................. 19 United States v. Bank of New York & Trust Co., 296 U.S. 463 (1936) ........................................................................................................ 42 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 16 of 63 PageID #: 930 xiv Venes v. Professional Service Bureau, Inc., 353 N.W.2d 671 (Minn. App. 1984) ............................................................................... 35 Vill. Of Westfield v. Welch’s, 170 F.3d 116 (2d Cir. 1999) ............................................................................................ 42 Wadlington v. Credit Acceptance Corp., 76 F.3d 103 (6th Cir. 1996) .............................................................................................. 5 Wallace v. Washington Mut. Bank, F.A., 638 F.3d 323 (6th Cir. 2012) ..................................................................................... 11,15 Walls v. United Collection Bureau, Inc., 2012 WL 1755751 (N.D. Ill. May 16, 2012) .................................................................. 10 Warren v. Sessoms & Rogers, 676 F.3d 365 (4th Cir. 2012) ......................................................................................... 7,8 In re Wilson, 311 B.R. 566 (D. Or. 2004) ............................................................................................ 35 Winemiller v. Worldwide Asset Purchasing, LLC, 2011 WL 1457749 (D. MD. April 15, 2011) .................................................................. 17 Whitaker v. Ameritech Corp., 129 F.3d 52 (7th Cir. 1997) ............................................................................................ 37 Woodford v. Cmty Action Agency of Greene County, Inc., 239 F.3d 517 (2d Cir. 2001) ............................................................................................ 41 Statutes 15 U.S.C. § 1692, et seq. ...................................................................................................... passim Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 17 of 63 PageID #: 931 xv N.Y. Admin § 20-493 .................................................................................................................. 23 N.Y. Admin § 20-494. ................................................................................................................ 23 N.Y. Gen. Bus. Law § 349, et seq. ....................................................................................... passim N.Y. CAC § 20-490 ................................................................................................................ 22,25 N.Y. CPLR § 321(a) ....................................................................................................................... N.Y. CPLR §1004 ....................................................................................................................... 12 N.Y. CPLR § 1018 ....................................................................................................................... 13 N.Y. CPLR § 3015(e) ................................................................................................................. 25 N.Y. CPLR § 8101 ....................................................................................................................... 27 N.Y. CPLR § 8301 ........................................................................................................................... N.Y. Partnership Law §121-403 .................................................................................................... 3 N.Y. Partnership Law § 26 ............................................................................................................ 3 N.Y. Partnership Law § 24 ............................................................................................................ 3 2A N.Y. Jur. 2d Agency § 296....................................................................................................... 5 2A N.Y. Jur. 2d Agency § 181....................................................................................................... 6 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 18 of 63 PageID #: 932 xvi 82 N.Y. Jur. 2d Parties § 19 ......................................................................................................... 13 Rules Fed. R. Civ. P. 12(b)(6) ................................................................................................................. 2 Other S. Rep. No. 382, 95th Con., 1st Sess. 5 ......................................................................................... 2 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 19 of 63 PageID #: 933 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 20 of 63 PageID #: 934 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 21 of 63 PageID #: 935 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 22 of 63 PageID #: 936 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 23 of 63 PageID #: 937 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 24 of 63 PageID #: 938 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 25 of 63 PageID #: 939 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 26 of 63 PageID #: 940 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 27 of 63 PageID #: 941 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 28 of 63 PageID #: 942 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 29 of 63 PageID #: 943 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 30 of 63 PageID #: 944 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 31 of 63 PageID #: 945 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 32 of 63 PageID #: 946 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 33 of 63 PageID #: 947 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 34 of 63 PageID #: 948 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 35 of 63 PageID #: 949 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 36 of 63 PageID #: 950 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 37 of 63 PageID #: 951 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 38 of 63 PageID #: 952 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 39 of 63 PageID #: 953 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 40 of 63 PageID #: 954 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 41 of 63 PageID #: 955 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 42 of 63 PageID #: 956 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 43 of 63 PageID #: 957 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 44 of 63 PageID #: 958 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 45 of 63 PageID #: 959 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 46 of 63 PageID #: 960 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 47 of 63 PageID #: 961 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 48 of 63 PageID #: 962 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 49 of 63 PageID #: 963 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 50 of 63 PageID #: 964 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 51 of 63 PageID #: 965 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 52 of 63 PageID #: 966 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 53 of 63 PageID #: 967 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 54 of 63 PageID #: 968 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 55 of 63 PageID #: 969 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 56 of 63 PageID #: 970 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 57 of 63 PageID #: 971 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 58 of 63 PageID #: 972 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 59 of 63 PageID #: 973 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 60 of 63 PageID #: 974 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 61 of 63 PageID #: 975 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 62 of 63 PageID #: 976 Case 1:11-cv-03300-FB-VVP Document 41 Filed 12/21/12 Page 63 of 63 PageID #: 977