Perry D. Felix D/B/A Han's Laser Technology Co. v. Prosperity Bank
Opinion
ACCEPTED 01-14-00997-CV FIRST COURT OF APPEALS HOUSTON, TEXAS 3/25/2015 4:37:34 PM CHRISTOPHER PRINE CLERK
N O . 01–14–00997–CV FILED IN In the First Court of Appeals 1st COURT OF APPEALS HOUSTON, TEXAS Houston, Texas 3/25/2015 4:37:34 PM CHRISTOPHER A. PRINE Clerk Perry D. Felix d/b/a Han’s Laser Technology Co., Appellant
v.
Prosperity Bank, Appellee
From the 164th District Court, Harris County, Texas Cause No. 2013–50191
PROSPERITY BANK’S CROSS–APPELLANT’S BRIEF
Hirsch & Westheimer, P.C.
Michael D. Conner State Bar No. 04688650 mconner@hirschwest.com William “Pat” Huttenbach State Bar No. 24002330 phuttenbach@hirschwest.com Jacob M. Stephens State Bar No. 24066143 jstephens@hirschwest.com 1415 Louisiana, 36th Floor Houston, Texas 77002 Telephone: (713) 220–9162 Facsimile: (713) 223–9319
ATTORNEYS FOR APPELLEE/CROSS–APPELLANT, PROSPERITY BANK
20090252.20140460/2125761.1 IDENTITY OF PARTIES AND COUNSEL
Appellant: Attorneys:
Perry D. Felix d/b/a Han’s Laser J. Steven Stewart Technology Co. State Bar No: 19210500 jss@jstevenstewart.com 5353 West Alabama, Suite 605 Houston, Texas 77056 Telephone: (713) 977–3447 Fax: (832) 201– 9117
Appellee/Cross–Appellant: Attorneys:
Prosperity Bank Michael D. Conner State Bar No. 04688650 mconner@hirschwest.com William “Pat” Huttenbach State Bar No. 24002330 phuttenbach@hirschwest.com Jacob M. Stephens State Bar No. 24066143 jstephens@hirschwest.com 1415 Louisiana, 36th Floor Houston, Texas 77002 Telephone: (713) 220–9162 Facsimile: (713) 223–9319
i 20090252.20140460/2125761.1 TABLE OF CONTENTS
Identity of Parties and Counsel ..................................................................... i
Table of Contents........................................................................................ ii
Table of Authorities ................................................................................... iv
Statement of the Case .................................................................................. 1
Cross Issue Presented .................................................................................. 2
The trial court erred by failing to award attorneys’ fees to Prosperity for Felix’s breach of the written deposit agreement. ............ 2
Preliminary Statement ................................................................................. 2
Statement of Facts Pertinent to Prosperity’s Cross Issue ............................... 2
Summary of the Argument .......................................................................... 6
Argument & Authorities & Standard of Review .......................................... 7
Standard of Review ............................................................................ 7
Felix failed to comply with the written agreement................................ 8
The deposit agreement is treated like any contract. .............................. 9
Attorneys’ fees are recoverable. ......................................................... 10
Prosperity is entitled to its fees under Chapter 38. .............................. 12
Prosperity complied with Chapter 38. ................................................ 13
Prosperity conclusively proved its fees. .............................................. 14
ii 20090252.20140460/2125761.1 Conclusion & Prayer..................................................................................16
Certificate of Compliance ...........................................................................17
Certificate of Service ..................................................................................17
Appendix ...................................................................................................18
iii 20090252.20140460/2125761.1 TABLE OF AUTHORITIES
Cases
1/2 Price Checks Cashed v. United Auto. Ins. Co., 344 S.W.3d 378 (Tex. 2011) ................................................................ 12
Akin, Gump, Strauss, Hauer & Feld, L.L.P. v. Nat'l Dev. & Research Corp., 299 S.W.3d 106 (Tex. 2009) ................................................................ 11
Albataineh v. Eshtehardi, 2013 WL 1858864 (Tex. App.–Houston [1st Dist.] May 2, 2013, no pet.) .......................... 12
Anderson v. McCormick, 2013 WL 5884931 (Tex. App.–Houston [1st Dist.] Oct. 31, 2013, no pet.) ........................ 15
Berg v. Wilson, 353 S.W.3d 166 (Tex. App.–Texarkana 2011, pet. denied) ................... 13
Bocquet v. Herring, 972 S.W.2d 19 (Tex. 1998).................................................................. 15
Boyaki v. John M. O’Quinn & Associates, PLLC, 2014 WL 4855021 (Tex. App.–Houston [1st Dist.] Sept. 30, 2014, pet. filed) .............. 12, 13
Brainard v. Trinity Universal Ins. Co., 216 S.W.3d 809 (Tex. 2006) ................................................................ 14
Buckhannon Bd. & Care Home, Inc. v. W. Va. Dep't of Health and Human, Res., 532 U.S. 598, 121 S. Ct. 1835, 149 L.Ed.2d 855 (2001)......................... 10
Flavor Finish Resurfacing, L.L.C. v. Ellerkamp, 2012 WL 3776345 (Tex. App.–Houston [1st Dist.] Aug. 30, 2012, no pet.) .........................9
iv 20090252.20140460/2125761.1 Fleischmann Distilling Corp. v. Maier Brewing Co., 386 U.S. 714, 87 S. Ct. 1404, 18 L.Ed.2d 475 (1967) ............................ 10
G.R.A.V.I.T.Y. Enters., Inc. v. Reece Supply Co., 177 S.W.3d 537 (Tex. App.–Dallas 2005, no pet.) ............................... 10
Helping Hands Home Care, Inc. v. Home Health of Tarrant County, Inc., 393 S.W.3d 492 (Tex. App.–Dallas 2013, pet. denied) ......................... 11
Honeycutt v. Billingsley, 992 S.W.2d 570 (Tex. App.–Houston [1st Dist.] 1999, pet. denied ....... 14
Jim Maddox Properties, LLC v. WEM Equity Capital Investments, Ltd., 446 S.W.3d 126 (Tex. App.–Houston [1st Dist.] 2014, no pet.) ..............7
Lofton v. Texas Brine Corp., 777 S.W.2d 384 (Tex.1989) ................................................................. 14
M.D. Anderson Hosp. & Tumor Inst. v. Willrich, 28 S.W.3d 22 (Tex. 2000) .....................................................................8
Mann Frankfort Stein & Lipp Advisors, Inc. v. Fielding, 289 S.W.3d 844 (Tex.2009) ...................................................................7
Pala v. Maxim, 2002 WL 188567 (Tex.
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ACCEPTED 01-14-00997-CV FIRST COURT OF APPEALS HOUSTON, TEXAS 3/25/2015 4:37:34 PM CHRISTOPHER PRINE CLERK
N O . 01–14–00997–CV FILED IN In the First Court of Appeals 1st COURT OF APPEALS HOUSTON, TEXAS Houston, Texas 3/25/2015 4:37:34 PM CHRISTOPHER A. PRINE Clerk Perry D. Felix d/b/a Han’s Laser Technology Co., Appellant
v.
Prosperity Bank, Appellee
From the 164th District Court, Harris County, Texas Cause No. 2013–50191
PROSPERITY BANK’S CROSS–APPELLANT’S BRIEF
Hirsch & Westheimer, P.C.
Michael D. Conner State Bar No. 04688650 mconner@hirschwest.com William “Pat” Huttenbach State Bar No. 24002330 phuttenbach@hirschwest.com Jacob M. Stephens State Bar No. 24066143 jstephens@hirschwest.com 1415 Louisiana, 36th Floor Houston, Texas 77002 Telephone: (713) 220–9162 Facsimile: (713) 223–9319
ATTORNEYS FOR APPELLEE/CROSS–APPELLANT, PROSPERITY BANK
20090252.20140460/2125761.1 IDENTITY OF PARTIES AND COUNSEL
Appellant: Attorneys:
Perry D. Felix d/b/a Han’s Laser J. Steven Stewart Technology Co. State Bar No: 19210500 jss@jstevenstewart.com 5353 West Alabama, Suite 605 Houston, Texas 77056 Telephone: (713) 977–3447 Fax: (832) 201– 9117
Appellee/Cross–Appellant: Attorneys:
Prosperity Bank Michael D. Conner State Bar No. 04688650 mconner@hirschwest.com William “Pat” Huttenbach State Bar No. 24002330 phuttenbach@hirschwest.com Jacob M. Stephens State Bar No. 24066143 jstephens@hirschwest.com 1415 Louisiana, 36th Floor Houston, Texas 77002 Telephone: (713) 220–9162 Facsimile: (713) 223–9319
i 20090252.20140460/2125761.1 TABLE OF CONTENTS
Identity of Parties and Counsel ..................................................................... i
Table of Contents........................................................................................ ii
Table of Authorities ................................................................................... iv
Statement of the Case .................................................................................. 1
Cross Issue Presented .................................................................................. 2
The trial court erred by failing to award attorneys’ fees to Prosperity for Felix’s breach of the written deposit agreement. ............ 2
Preliminary Statement ................................................................................. 2
Statement of Facts Pertinent to Prosperity’s Cross Issue ............................... 2
Summary of the Argument .......................................................................... 6
Argument & Authorities & Standard of Review .......................................... 7
Standard of Review ............................................................................ 7
Felix failed to comply with the written agreement................................ 8
The deposit agreement is treated like any contract. .............................. 9
Attorneys’ fees are recoverable. ......................................................... 10
Prosperity is entitled to its fees under Chapter 38. .............................. 12
Prosperity complied with Chapter 38. ................................................ 13
Prosperity conclusively proved its fees. .............................................. 14
ii 20090252.20140460/2125761.1 Conclusion & Prayer..................................................................................16
Certificate of Compliance ...........................................................................17
Certificate of Service ..................................................................................17
Appendix ...................................................................................................18
iii 20090252.20140460/2125761.1 TABLE OF AUTHORITIES
Cases
1/2 Price Checks Cashed v. United Auto. Ins. Co., 344 S.W.3d 378 (Tex. 2011) ................................................................ 12
Akin, Gump, Strauss, Hauer & Feld, L.L.P. v. Nat'l Dev. & Research Corp., 299 S.W.3d 106 (Tex. 2009) ................................................................ 11
Albataineh v. Eshtehardi, 2013 WL 1858864 (Tex. App.–Houston [1st Dist.] May 2, 2013, no pet.) .......................... 12
Anderson v. McCormick, 2013 WL 5884931 (Tex. App.–Houston [1st Dist.] Oct. 31, 2013, no pet.) ........................ 15
Berg v. Wilson, 353 S.W.3d 166 (Tex. App.–Texarkana 2011, pet. denied) ................... 13
Bocquet v. Herring, 972 S.W.2d 19 (Tex. 1998).................................................................. 15
Boyaki v. John M. O’Quinn & Associates, PLLC, 2014 WL 4855021 (Tex. App.–Houston [1st Dist.] Sept. 30, 2014, pet. filed) .............. 12, 13
Brainard v. Trinity Universal Ins. Co., 216 S.W.3d 809 (Tex. 2006) ................................................................ 14
Buckhannon Bd. & Care Home, Inc. v. W. Va. Dep't of Health and Human, Res., 532 U.S. 598, 121 S. Ct. 1835, 149 L.Ed.2d 855 (2001)......................... 10
Flavor Finish Resurfacing, L.L.C. v. Ellerkamp, 2012 WL 3776345 (Tex. App.–Houston [1st Dist.] Aug. 30, 2012, no pet.) .........................9
iv 20090252.20140460/2125761.1 Fleischmann Distilling Corp. v. Maier Brewing Co., 386 U.S. 714, 87 S. Ct. 1404, 18 L.Ed.2d 475 (1967) ............................ 10
G.R.A.V.I.T.Y. Enters., Inc. v. Reece Supply Co., 177 S.W.3d 537 (Tex. App.–Dallas 2005, no pet.) ............................... 10
Helping Hands Home Care, Inc. v. Home Health of Tarrant County, Inc., 393 S.W.3d 492 (Tex. App.–Dallas 2013, pet. denied) ......................... 11
Honeycutt v. Billingsley, 992 S.W.2d 570 (Tex. App.–Houston [1st Dist.] 1999, pet. denied ....... 14
Jim Maddox Properties, LLC v. WEM Equity Capital Investments, Ltd., 446 S.W.3d 126 (Tex. App.–Houston [1st Dist.] 2014, no pet.) ..............7
Lofton v. Texas Brine Corp., 777 S.W.2d 384 (Tex.1989) ................................................................. 14
M.D. Anderson Hosp. & Tumor Inst. v. Willrich, 28 S.W.3d 22 (Tex. 2000) .....................................................................8
Mann Frankfort Stein & Lipp Advisors, Inc. v. Fielding, 289 S.W.3d 844 (Tex.2009) ...................................................................7
Pala v. Maxim, 2002 WL 188567 (Tex. App.–Houston [1st Dist.] Feb. 7, 2002, no pet.) ......................... 15
Rasmusson v. LBC PetroUnited, Inc., 124 S.W.3d 283 (Tex. App.–Houston [14th Dist.] 2003, pet. denied) ... 12
Rayon v. Energy Specialties, Inc., 121 SW.3d 7(Tex. App.–Fort Worth 2002, no pet. ...............................8
SAS Inst., Inc. v. Breitenfeld, 167 S.W.3d 840 (Tex. 2005) ..................................................................7
Seagull Energy E & P, Inc. v. Eland Energy, Inc., 207 S.W.3d 342 (Tex. 2006) ..................................................................9
v 20090252.20140460/2125761.1 Sherrick v. Wyland, 14 Tex. Civ. App. 299, 37 S.W. 345 (1896).......................................... 11
Smith v. Garrett, 29 Tex. 48 (1867) ................................................................................ 11
Tony Gullo Motors I, L.P. v. Chapa, 212 S.W.3d 299 (Tex. 2006) ................................................................ 10
Williams v. Compressor Eng’g Corp., 704 S.W.2d 469 (Tex. App.–Houston [14th Dist.] 1986, writ ref’d n.r.e.) ...................... 13
Wm. Cameron & Co. v. Am. Sur. Co. of N.Y., 55 S.W.2d 1032 (Tex. Comm’n App. 1932, judgm’t adopted) .............. 10
Woody v. J. Black’s, L.P., 2013 WL 5744359 (Tex. App.–Amarillo Oct. 13, 2013, pet. denied) ... 12
Statutes
Tex. Civ. Prac. & Rem. Code § 9.001, et seq... .........................................6
Tex. Civ. Prac. & Rem. Code § 10.001, et seq. .........................................6
Tex. Civ. Prac. & Rem. Code § 38.001. .................................................. 12
Tex. Civ. Prac. & Rem. Code § 38.002 ............................................. 14, 15
Tex. Civ. Prac. & Rem. Code § 38.005 ................................................... 12
Tex. Fin. Code § 34.301 ...........................................................................9
Rules
Tex. R. App. P. 9.4(e) ............................................................................ 18
Tex. R. App. P. 9.4(i) ............................................................................. 18
vi 20090252.20140460/2125761.1 Tex. R. Civ. P. 13 ....................................................................................6
Tex. R. Civ. P. 21a ................................................................................ 18
Tex. R. Civ. P. 166a(c) .............................................................................7
vii 20090252.20140460/2125761.1 STATEMENT OF THE CASE
Nature of Case Breach of bank deposit agreement.
Trial Court The 164th District Court in Harris County, Texas, the Hon. Alexandra Smoots–Hogan
Course of Proceedings Perry D. Felix d/b/a Han’s Laser Technology Co. (“Felix”) sued Prosperity Bank (“Prosperity”) alleging unauthorized wire transfers from his account. CR.5– 17. Prosperity counterclaimed alleging untimely notice and resulting breach of the deposit contract’s covenant not to sue. SuppCR.183–86. Prosperity moved for summary judgment on Felix’s claims and the counterclaim. CR.84, et seq.; SuppCR.77, et seq.; 103, et seq.; SuppCR.225, et seq. 133, et seq.; SuppCR.3, et seq.
Trial Court’s Disposition The trial court granted summary judgment in favor of Prosperity on all Felix’s claims against Prosperity and all Prosperity’s claims against Felix but declined to award attorneys’ fees to Prosperity. CR.172–73.
1 20090252.20140460/2125761.1 CROSS ISSUE PRESENTED
The trial court erred by failing to award attorneys’ fees to Prosperity for Felix’s breach of the written deposit agreement. PRELIMINARY STATEMENT
This cross–appellant’s brief focuses on Prosperity’s counterclaim for
attorneys’ fees. The record conclusively shows (i) the contract includes a
conditioned covenant not to sue; (ii) without satisfying the condition
precedent, suit was filed; and (iii) despite notice and opportunity to stand
down, Felix elected to continue prosecuting the claims in violation of his
agreement not to sue.
Prosperity reserves for its appellee’s brief arguments responsive to
such issues as Felix, as appellant, may present.
STATEMENT OF FACTS PERTINENT TO PROSPERITY’S CROSS ISSUE
Felix had a deposit account at Prosperity. See SuppCR.87–91, 93,
94–100. The account was governed by a written deposit agreement. See id.
The written agreement provides, in part:
STATEMENTS – You must examine your statement of account with “reasonable promptness.” If you discover (or reasonably should have discovered) any unauthorized payments or alterations, you must promptly notify us of the relevant facts. * * *
2 20090252.20140460/2125761.1 You agree that the time you have to examine your statement and report to us will depend on the circumstances, but will not, in any circumstance, exceed a total of 30 days from when the statement is first made available to you. You further agree that if you fail to report any unauthorized signatures, alterations, forgeries or any other errors in your account within 60 days of when we make the statement available, you cannot assert a claim against us on any items in that statement, and the loss will be entirely yours. This 60 day limitation is without regard to whether we exercised ordinary care. The limitation in this paragraph is in addition to that contained in the first paragraph of this section.
SuppCR.93; see also SuppCR.97.
Prosperity sent statements of the account monthly. SuppCR.89; see
also SuppCR.101–20. Felix contends he promptly examined the account
statements. SuppCR.156 (resp. to req. for adm’n #18). Each of the wire
transfers for which Felix sued is disclosed on a statement of the account
(see SuppCR.101–20); the last two transactions appear on the statement
dated December 31, 2010. See SuppCR.115–17.
Felix claims to have requested additional documentation – at the
earliest between December 16, 2010 and March 29, 2011 – regarding
unspecified wire transfers. The first indication that Felix actually identified
particular wire transfers he considered problematic, i.e., notified
Prosperity of relevant facts (see SuppCR.93, 97), is his purported July 12,
3 20090252.20140460/2125761.1 2011 telephone call and follow–up e–mail. See SuppCR.208. Of four
transactions identified – “[t]he other wire transfers and amounts can be
dismissed . . .” (id.), Felix admitted in discovery that two were authorized.
SuppCR.149. As to his authorization of a third wire transfer identified in
the email (8/9/10; $5,832.00), Felix answered “unable to either admit or
deny.” SuppCR.153. And, the fourth (8/26/2010; $21,770.00) Felix
responded, “denied”; but, he expounded that the transfer appeared to
duplicate a previous transfer and that Prosperity failed to “combine[] or
consolidate[]” transfers to the same vendor “to avoid duplicate transaction
fees as was customary for wire transfers submitted and authorized by
Plaintiff.” SuppCR.150.
Felix sent a letter to Prosperity’s Mr. Gonzales (in Houston) dated
September 23, 2011. SuppCR.210–11. The letter requests documents
regarding wire transfers for the period “March 2010 through 2011.” Id.
Despite his July statement that “[t]he other wire transfers and amounts can
be dismissed . . .” (SuppCR.208), Felix included a list of 23 transactions.
SuppCR.211. Neither the letter nor the list describes any transaction as
unauthorized. SuppCR.210–11.
4 20090252.20140460/2125761.1 Felix sent another letter, also dated September 23, 2011, to
Prosperity’s Mr. Zalman at the Corporate Office in El Campo. See
SuppCR.121–22. Felix listed eleven transfers and described two “faxed
wire transfer requests” as “fraudulent.” SuppCR.121. One of the so–called
“fraudulent” transactions is the same 8/26/2010, $21,770.00 transaction
mentioned above.1 See SuppCR.150. Regarding the other so–called
“fraudulent” transaction (10/19/2010), Felix had previously described his
“investigat[ion].” See SuppCR.208. The July 12, 2011 email did not
challenge authorization for the transfer. Rather, Felix wrote, “I have a
record of this transfer however the vendor claimed they did not receive
payment . . ..” Id. In any event, Felix’s report was more than 60 days after
all related statements.
Prosperity’s October 3, 2011 response specifically addressed the two
so–called “fraudulent” transactions – August 26, 2010 ($21,770.00);
October 19, 2010 ($31,146.00) – including how each was initiated and to
whom each was sent. SuppCR.44. Prosperity’s letter specifically referred
to the deposit agreement provision requiring notice of any claimed errors
within 60 days and Felix’s failure to have provided such notice. Id.
1 There also was a $38,849.00 wire on 8/26/2010. Felix gave a similar interrogatory response claiming supposed duplication of transaction fees, not a lack of authorization to wire funds. SuppCR.151.
5 20090252.20140460/2125761.1 Almost two years later Felix sued. CR.5. In a letter dated October 7,
2013, counsel for Prosperity requested dismissal of the suit referencing
Texas Rule of Procedure 13, Texas Civil Practice and Remedies Code
chapters 9 and 10 and terms of the account agreement. SuppCR.166–68.
As above, the account agreement includes that Felix had 30 days to
examine statements and report problems. SuppCR.93; SuppCR.97. The
contract includes Felix’s “further agree[ment]” that if he failed to report
errors within 60 days of statement availability, he “cannot assert a claim …
on any item in that statement . . ..” Id. With demand and the opportunity
to do so, Felix declined to dismiss his claims against Prosperity.
SUMMARY OF THE ARGUMENT
An agreement not to assert a claim should be treated as any other
contractual obligation.
In a relationship governed by a written contract, Felix failed to
comply with a condition precedent by failing to review statements and
report relevant facts within 30 days. Felix also failed to honor his
agreement that he cannot assert a claim without first having reported
allegedly “unauthorized signatures, alterations, forgeries or any other
errors” within 60 days of when a statement containing a supposed error
was made available. Felix’s failure to comply with the agreement injured
6 20090252.20140460/2125761.1 Prosperity including the costs and fees incurred to respond to claims Felix
agreed he “cannot assert.” Prosperity is entitled to enforce the contract as
written and recover the foreseeable damages caused by Felix’s breach.
Having granted summary judgment in Prosperity’s favor on all of its claims
against Felix (CR.173), the trial court abused its discretion by failing to
award damages supported by the pleadings, the motion and the summary
judgment evidence.
ARGUMENT & AUTHORITIES & STANDARD OF REVIEW
Standard of Review
To show itself entitled to relief through a traditional motion for
summary judgment, Prosperity must have established that no issue of
material fact exists on its counterclaim and that it is entitled to judgment as
a matter of law. See Tex. R. Civ. P. 166a(c); SAS Inst., Inc. v. Breitenfeld,
167 S.W.3d 840, 841 (Tex. 2005). The Court’s review is de novo. Jim
Maddox Properties, LLC v. WEM Equity Capital Investments, Ltd., 446
S.W.3d 126, 131 (Tex. App.–Houston [1st Dist.] 2014, no pet.) (citing
Mann Frankfort Stein & Lipp Advisors, Inc. v. Fielding, 289 S.W.3d 844,
848 (Tex. 2009)).
Where the motion and summary judgment evidence facially
establish the movant’s right to judgment as a matter of law, the burden
7 20090252.20140460/2125761.1 shifts to the non–movant to raise a genuine, material fact issue sufficient to
defeat summary judgment. See M.D. Anderson Hosp. & Tumor Inst. v.
Willrich, 28 S.W.3d 22, 23–24 (Tex. 2000). A material fact issue is
“genuine” only if the evidence is such that “a reasonable jury could find
the fact in favor of the nonmoving party.” Rayon v. Energy Specialties,
Inc., 121 SW.3d 7, 11 (Tex. App.–Fort Worth 2002, no pet.).
Felix failed to comply with the written agreement.
Prosperity counterclaimed for breach of the written deposit
agreement. SuppCR.183–86. The contract was conclusively proved to
exist. See SuppCR.87–91, 93, 94–100. The contract includes Felix’s
agreement that he cannot assert the claims he asserted without first having
complied with his duty to timely report. SuppCR.93, 97. Felix’s failure to
comply with his contractual obligation to report any problems appearing
on an account statement within 30 days or 60 days after any specific
account statement was made available was conclusively established. See,
e.g., SuppCR.89. Nevertheless, Felix sued. Prosperity’s injury was
foreseeable; it was required to appear, defend the claims and assert its right
to enforce the contract as written. Prosperity conclusively established the
injury and the amount of fees it incurred. See SuppCR.74–76, 124–26.
8 20090252.20140460/2125761.1 Because Prosperity conclusively established its injury that would not
have occurred but for Felix’s breach, Prosperity was entitled to recover its
fees and the trial court erred by failing to award them.
The deposit agreement is treated like any contract.
“A deposit contract between a bank and an account holder is
considered a contract in writing for all purposes ….” Tex. Fin. Code §
34.301. When interpreting a contract the court endeavors “to ascertain
and give effect to the intent of the parties as that intent is expressed in the
contract.” See, e.g., Seagull Energy E & P, Inc. v. Eland Energy, Inc., 207
S.W.3d 342, 345 (Tex. 2006); Flavor Finish Resurfacing, L.L.C. v.
Ellerkamp, 01–11–00099–CV, 2012 WL 3776345, at *4 (Tex. App.–
Houston [1st Dist.] Aug. 30, 2012, no pet.) (mem. op.). The trial court
properly construed the plain language to the effect that Felix “further
agree[d] that if [he] fail[ed] to report any unauthorized signatures,
alterations, forgeries or any other errors in [the] account within 60 days of
when we make the statement available, you cannot assert a claim against
[Prosperity] on any items in that statement” (see SuppCR.93, 97) and
determined that Felix breached that agreement. CR.172–73. However, the
trial court erred by failing to award attorneys’ fees, the fees and expenses
necessarily incurred in responding to a suit Felix promised not to bring.
9 20090252.20140460/2125761.1 The Court reviews decisions regarding the award of attorneys’ fees de
novo. See G.R.A.V.I.T.Y. Enters., Inc. v. Reece Supply Co., 177 S.W.3d
537, 546 (Tex. App.–Dallas 2005, no pet.).
Attorneys’ fees are recoverable.
The general rule in Texas is that attorney’s fees incurred in
prosecuting or defending a lawsuit are not recoverable in that suit absent a
statute or contract allowing the recovery. See Tony Gullo Motors I, L.P. v.
Chapa, 212 S.W.3d 299, 310–11 (Tex. 2006) (“Absent a contract or statute,
trial courts do not have inherent authority to require a losing party to pay
the prevailing party’s fees.”); Wm. Cameron & Co. v. Am. Sur. Co. of
N.Y., 55 S.W.2d 1032, 1035 (Tex. Comm’n App. 1932, judgm’t adopted)
(“It is settled law in this state that, unless provided for by statute or by
contract between the parties, attorneys’ fees incurred by a party to
litigation are not recoverable against his adversary either in an action in
tort or a suit upon a contract.”). The rule is known as the American Rule.
See Buckhannon Bd. & Care Home, Inc. v. W. Va. Dep’t of Health and
Human Res., 532 U.S. 598, 602, 121 S. Ct. 1835, 149 L.Ed.2d 855 (2001)
(“[P]arties are ordinarily required to bear their own attorney’s fees—the
prevailing party is not entitled to collect from the loser.”); Fleischmann
Distilling Corp. v. Maier Brewing Co., 386 U.S. 714, 718, 87 S. Ct. 1404,
10 20090252.20140460/2125761.1 18 L.Ed.2d 475 (1967). The rationale was succinctly stated well over a
century ago in Sherrick v. Wyland, 14 Tex. Civ. App. 299, 37 S.W. 345,
345 (1896): “It has often been ruled, in this state and elsewhere, that fees of
counsel, incurred in prosecuting a suit for or defending against a wrong,
are not ordinarily recoverable as actual damages, because they are not
considered proximate results of such wrong.” See Akin, Gump, Strauss,
Hauer & Feld, L.L.P. v. Nat’l Dev. & Research Corp., 299 S.W.3d 106,
120 (Tex. 2009). Here the fees incurred are the proximate result of Felix’s
breach; but for his non–compliance, there would have been no suit to
defend and no counterclaim to pursue. Both the contract and a statute
afford Prosperity the right to recover the fees for which it counterclaimed.
The contract includes Felix’s express agreement not to make a claim
without first having timely reported the problem underlying the suit.
SuppCR.93, 97. Texas law has been clear for over 100 years:
A covenant not to sue may be plead in suspension of action by the debtor whenever broken, and its observance will be enforced, and damages for breach may be recovered.
Smith v. Garrett, 29 Tex. 48, 52 (1867). Further, the contract itself need
not provide for attorneys’ fees. See Helping Hands Home Care, Inc. v.
Home Health of Tarrant County, Inc., 393 S.W.3d 492, 516 (Tex. App.–
Dallas 2013, pet. denied).
11 20090252.20140460/2125761.1 Prosperity is entitled to its fees under Chapter 38.
The statute, chapter 38 of the Civil Practice and Remedies Code, 2
has been applied by this Court and others to afford the relief to which
Prosperity is entitled. See, e.g., Boyaki v. John M. O’Quinn & Associates,
PLLC, 01–12–00984–CV, 2014 WL 4855021, at *13–14 (Tex. App.–
Houston [1st Dist.] Sept. 30, 2014, pet. filed) (mem. op.); Woody v. J.
Black’s, L.P., 07–12–00192–CV, 2013 WL 5744359, at *6 (Tex. App.–
Amarillo Oct. 13, 2013, pet. denied) (mem. op.) (“injunction enforcing
specific performance of a contract is something of value” sufficient to
support Chapter 38 attorneys’ fees and rejecting argument that an award of
monetary damages were required); Albataineh v. Eshtehardi, 01–12–
00671–CV, 2013 WL 1858864, at *1–2 (Tex. App.–Houston [1st Dist.]
May 2, 2013, no pet.) (mem. op.) (“judgment requiring specific
performance of a material contract right can support an award of
attorney’s fees”); Rasmusson v. LBC PetroUnited, Inc., 124 S.W.3d 283,
287 (Tex. App.–Houston [14th Dist.] 2003, pet. denied) (holding that
award of specific performance of arbitration agreement permitted recovery
2 See Tex. Civ. Prac. & Rem. Code § 38.001, et seq. “The Legislature instructs us to construe section 38.001 ‘liberally ... to promote its underlying purposes.’” 1/2 Price Checks Cashed v. United Auto. Ins. Co., 344 S.W.3d 378, 382 (Tex. 2011) (quoting Tex. Civ. Prac. & Rem. Code § 38.005).
12 20090252.20140460/2125761.1 of Chapter 38 attorneys’ fees and rejecting argument that monetary
damages were required); Williams v. Compressor Eng’g Corp., 704
S.W.2d 469, 474 (Tex. App.–Houston [14th Dist.] 1986, writ ref’d n.r.e.)
(interpreting Chapter 38 to authorize an award of attorneys’ fees when a
party “successfully prosecutes a claim founded on ... written contracts.”).3
Thus, as the Court held in Boyaki, if the evidence supports a finding that
such relief – there a promise to end litigation; here a promise not to sue in
the first place – is of more than nominal economic value, section 38.001
affords the claimant its attorneys’ fees, provided that all other conditions
to a right to recovery under that chapter are met. Boyaki, 2014 WL
4855021, at *14.
Prosperity complied with Chapter 38.
Prosperity satisfied “all other conditions” to its right to recover
under Chapter 38. Prosperity was represented by counsel; it presented the
counterclaim to Felix by letter (SuppCR.45–47); and Felix failed to “pay”
by failing to dismiss his unfounded suit within thirty days of presentment.
3 But see, e.g., Haubold v. Medical Carbon Research Inst., 2014 WL 1018008 at *5–6 (Tex. App.–Austin March 14, 2014, no pet.) (mem. op.) (specific performance to enforce Rule 11 agreement was not a recovery of actual damages; thus fees incurred in enforcing the agreement were not recoverable); Berg v. Wilson, 353 S.W.3d 166, 182 (Tex. App.–Texarkana 2011, pet. denied) (concluding, “because Wilson did not recover actual damages, she was not entitled to recover attorneys’ fees on her [Rule 11] breach of contract claim,” but affirming award on alternative basis).
13 20090252.20140460/2125761.1 Tex. Civ. Prac. & Rem. Code § 38.002; see Brainard v. Trinity Universal
Ins. Co., 216 S.W.3d 809, 817 (Tex. 2006); see also Honeycutt v.
Billingsley, 992 S.W.2d 570, 581 (Tex. App.–Houston [1st Dist.] 1999, pet.
denied).
Prosperity conclusively proved its fees.
Prosperity proved the reasonableness, necessity and amount of its
fees. SuppCR.74–76, 90, 124–26. Felix did not controvert and did not
object to the affidavit testimony of attorneys William Huttenbach and
Charles Pignuolo. See Lofton v. Texas Brine Corp., 777 S.W.2d 384, 386
(Tex. 1989) (Testimony of an interested witness may establish a fact as a
matter of law only if: (1) the testimony could be readily contradicted if
untrue; (2) it is clear, direct, and positive; and (3) there are no
circumstances tending to discredit or impeach it.). Attorney Huttenbach
testified that reasonable and necessary attorneys’ fees comprised his firm’s
calculated charges of $8,500.00 as of the date of his affidavit (October 17,
2014; SuppCR.76), plus anticipated additional fees for twelve hours at the
rate of $345.00 per hour, plus fees previously incurred for services
rendered by Mr. Pignuolo. SuppCR.74–75. Attorney Pignuolo testified
that his firm’s reasonable and necessary fees and out–of–pocket expenses
through the date of his affidavit (April 17, 2014; SuppCR.126) totaled
14 20090252.20140460/2125761.1 $8,539.52 and would likely increase at the rate of $300.00 per hour
thereafter. SuppCR.125. Based on the testimony, Prosperity conclusively
proved reasonable and necessary attorneys’ fees in at least the amount of
$21,197.52.
Having conclusively proved Felix’s failure to comply with his
agreement not to assert the claims he asserted; having established the
elements of section 38.002; and, having presented clear, direct, positive
and uncontroverted evidence of the amount of its reasonable and
necessary attorneys’ fees, award of such fees was mandatory. See Bocquet
v. Herring, 972 S.W.2d 19, 20 (Tex. 1998); Anderson v. McCormick, 01–
12–00856–CV, 2013 WL 5884931, at *5 (Tex. App.–Houston [1st Dist.]
Oct. 31, 2013, no pet.). On this record, the trial court had no discretion to
award $0.00. See Pala v. Maxim, 01–01–00618–CV, 2002 WL 188567, at *6
(Tex. App.–Houston [1st Dist.] Feb. 7, 2002, no pet.) (citing Bocquet,
supra). Prosperity, therefore, is entitled to reversal and rendition as to the
portion of the judgment omitting an award of Prosperity’s fees.
[In the alternative, only, should the Court determine that
Prosperity’s fees were not conclusively established below, based on the
foregoing arguments and record references (see, e.g., SuppCR.74–76, 124–
26), there is some evidence of the reasonableness, necessity and an amount
15 20090252.20140460/2125761.1 of fees. Consequently, Prosperity is entitled – at minimum – to remand for
a determination of the correct amount to be awarded.]
CONCLUSION & PRAYER
For at least the foregoing reasons, Prosperity asks the Court to
reverse the trial court’s judgment, in part, and to render judgment in
Prosperity’s favor as to all liability issues and to render judgment that
Prosperity recover the amount of $21,179.52 from Felix and for all
additional or alternative relief to which it may be justly entitled.
Respectfully submitted,
HIRSCH & WESTHEIMER, P.C.
By: /s/ Michael D. Conner Michael D. Conner State Bar No. 04688650 mconner@hirschwest.com William “Pat” Huttenbach State Bar No. 24002330 phuttenbach@hirschwest.com Jacob M. Stephens State Bar No. 24066143 jstephens@hirschwest.com 1415 Louisiana, 36th Floor Houston, Texas 77002 Telephone: (713) 220–9162 Facsimile: (713) 223–9319
ATTORNEYS FOR APPELLEE/CROSS APPELLANT, PROSPERITY BANK
16 20090252.20140460/2125761.1 CERTIFICATE OF COMPLIANCE
I do hereby certify that the relevant contents of this document consist of 3,279 words, in compliance with Tex. R. App. P. 9.4(i) and this document complies with the typeface requirements of Tex. R. App. P. 9.4(e) because it has been prepared in a proportionally spaced typeface using Microsoft Word 2013 in 14 point Goudy Old Style font.
/s/ Michael D. Conner Michael D. Conner
CERTIFICATE OF SERVICE
On the 25th day of March, 2015, the foregoing document was served pursuant to Rule 21a of the Texas Rules of Civil Procedure as indicated below:
J. Steven Stewart 5353 West Alabama, Suite 605 Houston, Texas 77056 E–mail: jss@jstevenstewart.com Via E–Service
/s/ Michael D. Conner Michael D. Conner
17 20090252.20140460/2125761.1 N O . 01–14–00997–CV
In the First Court of Appeals Houston, Texas
Perry D. Felix d/b/a Han’s Laser Technology Co., Appellant
v.
Prosperity Bank, Appellee
From the 164th District Court, Harris County, Texas Cause No. 2013–50191
Final Judgment signed November 14, 2014 ........................................ Tab 1 Deposit Account Terms and Conditions (Royal Oaks Bank) (for legibility: CR.32–33 as attached to Felix’s Original Petition; SuppCR.92–93 as attached to Prosperity’s Motion for Summary Judgment) ........................................................................................ Tab 2
Deposit Account Terms and Conditions (Prosperity Bank) (for legibility: CR.35–40 as attached to Felix’s Original Petition; SuppCR.95–100 as attached to Prosperity’s Motion for Summary Judgment) ........................................................................................ Tab 3
18 20090252.20140460/2125761.1 Tab 1 ,(I) /3-5öt ql (1) NO.20r3-50191
PERRY D. FELIX DIB/A HAN'S LASER s IN THE DIS'I'RICT COURT OF TECHNOI-OCY CO. s $ $ FIARRIS COLINTY. TEXAS V $ $ /b,/41 PROSPERITY BANK ANd PROSPERJTY $ I 64'TH JUDIcIAL DISTRICT BANCSHA,RES,INC
SUMMARY JITDGMENT
On th¡s day came on to be heard Defendant Prospenty Bank's onginal Motion for
Summary Judgment and Supplement to its previously fìled Motron for Summary Judgment on all
claims by and bchveen Plaintiff and Prosperity Bank For the rea.sons stated in sard Motion and
Supplement, thrs Court grants a sumrnary ludgrnent in favor of Prosperity Bank on all of
PlainnfPs clarms agarnst Prosperity Bank and on all of Prosperity Bank's claims against
Plaintiff. Pla¡nttffhas produced no evldence to the contrary.
IT IS THEREFORE, ORDERED, ADJUDGED AND DECREED thAt PIAiNtiff, PETry D
Felix d/b/a Han's Laser Technology Co ("Plaintiff' and/or "Felix"), shall take nothtng on
PlalntifPs clarms against Prosperity Bank.
-Ì?rs-A-bso'oRDE@ jrrd enrY
-Þetlars ($2 l, 5 00.00), fs+-Prespc+t
-Êxp€n€ets
I@DJUn/.IE f and
any
FHE,EÐ Chns Daniel 20090252 201 404601tt29592 2 Distnct Clerk Nov I q 2u4
Bv Deputy --+rcsænty Be-k is award@O00 in additlonal renqnnå,ble anrl necessaryt
. atto¡a^eys.feesJosts- ard-expensesr-and-@@
fro
All relref not expressly granted herein by and betwesn Plaintlff and Prospcrity Bank is
denied. Thrs ludgment finally disposes of all claims by and between Plarntiff and Prosperiry
Bank and is appealable This rs meant to be a frnal judgment pursuant to the Texas Supreme
Court's decision inLehmannv Har-ConCorp ,39 S W 3d l9l (Tex 2001).
srgned ontl," J 4aay or Nove)/nfu/f ,2014.
PRESIDING JUDGE APPROVED AS TO FORM:
Hlnscr & WpsrHEruen, P.C.
By /¡/ Wtllmm P Wrlliam P. Huttenbach State Bar No. 24002330 Jaoob M Stephens State Bar No 24066143 141 5 Louisiana, 3óth Floor Houston, Texas 77002 (7 t3) 220-9 184 WPH Direct (7 13) 220-9 125 JMS Direct (713)223-5181 Matn (713>223-9319 Fax ohuttenbach@h trschrvest co¡rt rstcnhen sâh ¡ rsch rvest.cotrr
ATTORNEYS FOR DEI'ENDANT, PROSPERITY BA¡IK
173 Tab 7 101281201311:53:33 AM 713-755-1451 Pagel I 2 ....
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tiå+ .å' '¡. ¡ ú PROSPERITY BANK' b ú *,¡.+Ï .l Impn rtant In to rmarìon Regrrdin g F[)IC ! nsu rance Co'r"erage I Nocicc oËFiegarivc Infirrm*tton. -
Fi\STl.tNE Gnidc t Blccr¡oníc FLrndT¡ansfer.t; Ytrur Rlghrs and Responsibilitia 4
Schedule oíFces . 2 Your Al¡iliry to sWithdraw Funds , Norice of Your l;inaocial Prìvacy Righrs. 2 Sr¡l¡stitute Ch¿cla a"d You. Righrs 6
Terms rnd CcnrJi¡ion¡ o[Yr¡sr Aecoun.. . ' ;t Btnking Ccntc¡s 6
nccessrry CDs from rh e assurncd t¡nnk arc rçirrarely ' Frcss 3 f¡i¡ Funrlc Trnnsfr'r I A{PORTÁNT INF O RtvfAIt ON i¡rru¡cd i¡ntil ¡he carliesc m¡turiq¡ drte aftcr the cnd (crrl lrrrn Paynrents) FT}IC INSURANCE COIæ,RÁGE uf rhe .six*monrh gnce ptriod' CDs chat rnnturc . Pr¿,is 4 to l:intl'liau*¡ctiuns FÞ[C Gcncr¿l f]ryosit tntur*,¡¡cç The staldord riuring the six'urcn¡h period urrl a¡e ¡enewcd for þ chack numtm¡ or atnauu) insurance 0rnsu¡lt currcnily ir rtz5o,ooo per the s¡¡nc te¡ln and in thc srmc doll¡r anuun¡ . Prus f for More Optiorx (Þrlance, Inrøesr, Clungc PIN) deposiror. 'Ihe szto,ool¡ linrir is pennanenr for (ei¿hcr srith or rvilhout acc.¡uod inrcrcst) continue ceftaìn rcrÍrcm¿nt åËËôur!$ (includel lRfu) ¡nd it - Savings Mrsu çsmpürary fcr all oth¿r de¡rsit accourtts throtrgh (promptr arc smc as $reclring Mcnu) Decc¡nbs jr, 2orj, C)n Jnnu+ry l, :ot4, thc srend¡rd inÏt¡n¡nse ãlnQunr wili rqrr¡n to $l{:o,ooo - CÐ Mcnu . pcr deposiror fr:r atl depxir iccounts txccPl ccrtairt rhc eod of+hç ri:t'nronrh grrcc peria¿J. Prts: I for tsla¡¡c-e rccircmc¡',t accourrrs, which rvill rrmàin ¡ß$2tô'our) tiyvirt;&r5f{ãLi¿ar!sr:#lTFl:iñãT,r,+3'li1iRl\a.rri}r:f;:1]:-¡qE . Prcss 2 for lntc¡cst lnforln¿ritrn FÁSTTJNECUIÐE o Pre¡s 3 m ChenE I'lN - IRÀ Mens (prompts rrc samc aE CD Mcnu)
- [¡a¡sMcnu dcr¡ils on tltc rcqttircntcnrs, ga to rvuvldicgoi . Iåæs-. I for Advances drlosir/dep+çirç.) yonr locel bonking tentcr, . Prrçs 2lur Erymcns p.(rtütion, $e u¡c ¡ltc Lst 4 of ¡our . Press ã for Find ïl¡¡¡cciun¡ TÀ{J Progrcrrr: .{ddiilonaÌ!¡l Prospcriry Eurk is (sca¡cù for Åd.nnces or Firyments pr,rticiprthrg in tlre FDIC Traroaciion Account by amount) Çuar¿nræ Progrun. U¡xlcr thut progr'r*r, rhnurgh . PraEs 4 for More Oprion: Jttne 1o, zoro, aÜ non-ùrtertst-hcríng tra¡s¡ction (Balanec, lnrcie¡r' (}¡ngc PIN) îc=uunts rre fully guanntacd b¡ dre FDIC ñr úre cn¡ire t¡tr¡unr irr r¡te accolhi. Non"inrcresr-hcaring F¡¡nd.r liansfer Menu checkíng ncmrtnts indud: Dcrnand Deposit ' Pronrpt forT¡pe to Trursfir Frorrrl onril yotr httt selærc¡ì rlrc qpc of infounlrion yuu Arr-r¡u¡¡!ç (DD^s) u4J imy truroaaiun au.ount ¡vhh a¡rrl have cnrerecl your ¡,r¡unt nutnlrc ' F;æ I ¡o ¡r¡nsfcr Ësm Chc:lting thrt h¡r¡ .Jnlimited withdtaçrn!¡ rnd 'Jrct cann(tt o Pras 2 rur trunsfe¡ l"rom S*'ings c¡l interesi, ,ìJso inducled '¡¡t lolv-i¡tenrt NÖtlü Plcæc ltavc your aÉcounr numþcn read¡ $pon + Eore¡ rhe [:rcm f,{Ê¡¡uflt nurnber} accrx¡nm 0rJüW æcr:u¡ts dtat c¿nnot cifn füùrt enrerìng thcF4$TLINE .rystem. ¡'au rvill be rhu o.5oYo inrcr*r) ard IOLTR accounts, Corcragc pronrptci{ at follows under rhe TÉrsacdon Account Gurnntce Progrunr is l. Tq c,Jnrinue in F.nglirh prts l, ar stay on in rddirion tourtl s+an¡r fror¡¡ rhe curæraË,e avdlsblc u Prc¡r 2 ro :ransfer To Savinç rhe line to c¡rntin(re in S¡tranish' u Pre¡ 3 ro ¡nnsler To Lorns undç rJrc ËDlC ginerlJ dcPosit insunnct n:l*. If 2. Prcss I fu¡ 'Acccunt ln{brm*tiari'; Íls¡s 2 funtls ía r rron-ìnteics¡.hg,rring uattsarrioa lr-rcunt for "fund¡ Tt¿nslci'. Çlrher no¡es about rrsing FÁ.5ftlNE: Pte*ing the' kelt reluotsyou mùË prliolls ' Âruou¡rts t#or¡n¡tio n Mcnr¡ mcßu, . F¡rss I f+rChccking , Pr*sing thc É key tal*er ¡'ou ro dtc m¡în ' Fers ? for S:rvings mânu" artl the b'¡¡ic deposir imnr.rnce.linrÌr applìes, '. Prr*ç 5 lirrCD . l(/trcn lirteninB Èo trânsacliùn hriloÐ'. )1st Press 4 ior !Ri{. can press 7 ro plry rhe prwiot$ (lilrlsÊti(ir1' Suppitnr*ntal Cowrage for Banlr: Mtrg;rsr \Vhcn . Press i for Loens I nvr r¿ uro¡c in¡r¡rel b,rnks rncrgo dcpos.ia fiotn thc r.tr repcnr fhe curmni t¡¡l¡lc¡ion, or 9 to alúuftl - Chø,:t*iugMenu ;kip io rhc retr tranmctìon, nt the . P¡a$ I f,¡r Vithd¡arv:rl the m (Ðehir ¡ncl Chr:ck iuflormation) l{W l'LH tl?/?3/lû Sr\Iìnb)ic [nfonnnrir¡r\C]$¿tsttor¡r
oflPor . Prc¡s 2 for Deposir lnfo¡mation Ër:rm¡ erul Irttrcrdu'cs\F$tiiru\Frrlìnc\Guidr- P*dinc-¡*r
35 101281201311:53:39 AM 713-755-1451 Page3lT
.i t:J:4ä,:;:Êir'EÀ.riaTfr4:4i:{Cr?\:,4: i'rrÞ'.J#tJ'v:fj+{s'r$7¡l4qn\:ld¡ ^¡,j:irÄ..j,..rí-ì-if SCHEDULE OF FEES The fullou'irg fc+ m:y bc.r:.t*d rg,u¡nrI Fû[r ntcount irtd thc follnrvin6tnrrraecion limitrtíanr, if ¡¡* rÞulv rq þu¡ !<Ër)urt' ATiVf /L)cbirl¡¡r¿aionr off p,tttti:cr . ' , $1,00 .. , ..$l.00rnonthlyro+iccchrgr ^TMGrd M*rcrCgrd ,{Th'Í/Dcbir (!.d . $ t,50 rrun thly ¡cñiÊc ,iprN n* rir.r., ùii ld . . : . :31:33 h T'l'*'l**:'iïTi-l ::::::. : : :.: : : :.I::.iiå:33 i¿:ri - lT-ï'¿tlt$l,ç,' . , . - .(Frlt clepcadr nn srylc oldrt+li orrlocd) NOTTCB OFIOUR I'IN"ANCIÁL FRTV^C.TY RIGT{I'S ., : ., .' . .$t.c'flpctl0¡hc ip by purch;rsing . Dcprrsit ar- i"*r'rjop",iii i*;;i :i3:i1 iJl i[]i .'l':*:': : :, : : :'::î:*.i':ä:;ü Soaìrl SrlrrncntCutÖflFr '. .. ' ' '5i.00 ^å'cso,r., R,r+¡r.h, $25,00 Pcr hout an'btùcr parly"' .ri:npl.*, fhe Informaticn ìl(/e Collec* \[c callccr i¡¡f*¡rnurion ahout yuu from ¡he VireTrrn¡íers-lJ5 Duìl;u, Non Ctstomc¡, ach ' . . SZf,ÛÛ follorving sourc VirclìanrferË¡¡r¿ígn Crrrrency, Gt¡tomtt cecl¡. . . , 54t),00 ¡'ius con ".lnlo¡rn¡rr.ior¡ ln[o¡¡naiion \,Vitc'fìm¡ftrForcifn Cu'rcnçy, Non Cu¡¡cmct¡ crclr . . . ., . . 550'00plu' co't rrVìr¿lzrNotìfic¡tirj¡r,e¡ch. ' -...52"00 CollccrioqrfJu¡tomu . '.. Sl{r.00 ". lnformatìon lnft¡rnlìrion Colåtctì¡ns,NonCr:rfomct, ',.,.,. $35.0Ú ' lnlo¡urarion informa¡ion Infonnatiou \Ve Dlsclosc.åbou¡You¡ \tredo NOTdisr.losc rny krfornreÉon nbout ¡ou to ilyone' crccpt Ât pcrmittcd lry law. Fralnplcs of ú.is miglrt inrtud¡ disrlosurÊÌ n¿æscâry lc rrv!¿c yotlr f(count o: Prc!Ènt lHäut}tÖr¡æd 1(l:rsu(tof¡s. Infirrm¿tion ¡1bout Former Custcrner.s, \1t¡.c do not disclose inlorln¡tion about forrner cu;tÞßrers, ç!(cep! a¡ permhred by law' 'Ier*s 78705-4294 . T,:lcultunr NÇ.: 87 7 t 27 6-5514 . F,u t{o.r i l21475-l}t j . E-maii: coru;u mer.cc mphints@b:rnkÍn g,starc.u.rr.s . \Jü'ebsírr: rvrw-,banking,sr:lrc.ur,tts i rlt!5¡ 36 101281201311:53:39 AM 713-755-1451 Page4lT {ì!ì$;-Ê.ìiÊ {Ê---jii+ån! dn rhynudc¡nrit.For*mæeults fo¡ i¡líry diidorun 16r m :¡r¡l,rr t¡tl tlc¡orit shcr dr¡¡c Érndr rvill hc aFt A*tsnr Wl¡ß rP.(¡.P." fitt¡blc on llurh) Thc!ttry rl ¡hc m'rr¡ ¡hc cgount, O¡ rh¡ cf d¡r {rl'th. ¡trount prs* to thc P.o o, Tl¡ç ¡{gtu¡¡r ¡i r¿trr ! p.ñ of lDc parry',t rtrtc, it rnulcl 'd¡ru ÊÌ rdll of tÞnü ¡ hy dtt ter¡1,Èt. ro ñr ¡64rt. Aç*n¡L TqnrfælÌ!¡ ¡rqrunr nqf rurhr lrrrsÊrÈd orsitnal wirhûut ourtiris *YiEq lffit. Dìrct hpor'rur ll, in csrwio¡r viú¡ ¡ ¡lttr, rt ¡r tã rær{t whìúh fun drc enyodrerkgrlcwd.v to sNunt N¡rñIdunl llrrltÐútr( nl(.¡ÊsJlrll is Ll ¡ o'rn ¡Í¿ rtsæ\ rhc tlurrc! vill ur þ inrntr.y, urrl.¡ l*¡li¿irtio ¡n,l cll odrq uu¡ts. ¡ ccntumø cßdir i*rorcù. fc) d* drs ng< fur ùc grner nLg Þod1 ofJre legrl en rì ry, zris ln c.tfud?, hÉlirhb ray cblm p l¡urcr ;nI ¡ænici# ¡ürcd i¡¡ wrilinB to Éc fr:. lfi1r ""-t ILymqr Od¡r tf ltær Tæ E rv ¡xtrn'r u to poy irou (rxlt a'rlr¿ 37 1012812013 11:53:39 AM 713-755-1451 PageS/7 Tïc C¡o+Eo¡da Thnr¡tion fr ir rhrt¡d on dl r¡ø¡boldcr rrrnlratlmr rccåcdlðr ol_w¡¡cdrct tl¡ctc i¡ c tvnoq ønteGim.  çrogh,xrl¡r'tc¡¡rs.rior¡ lr ¡ rr¡t¡wÍçn Ftm¡¡ql rltruSh rhe Gtoh¡l Ci6riilr Nllrsi,$n4h Syrcm or rt¿ Þl¡¡rcr(}ld Dtùit ÊrÈ* Suirch in whiclirh¿ *nnr11'of rfrr ær'tlhrnr ìt diËärtnt rltrn d¡c tth¡* ¡lro ¡e Li¡nîr¡¡Jou on Faqoocy af Tø¡¡f,tn ndon .nun'n sf themdlsll¡¡. rgldiu6, Fmitrrhrs rlrt lp¡rl;, ro urìngr raouna. rÀSTtltrt T:kphonc Tnqf¡l+Î,Trs of Trø4ctr: You mry xw your æounr by tlcphom ?4 houn rràyu*iiÉyoutPrmEl iÉtillilioti¡lr tluldrr, * ¡nltl¡ riltÈ lll¡o'¡(. ¡lad IillI untllll nnrho. tot . rud¡Êunr . ¡rrlrâorn 'Iiqnsfcrr ' nùfi¡m ', ntk írutn çdilfuçr ¡çt¡trfro' tsitlr rtr rl tt@. . ncntr l'¡ot wilb ìtj r rr¡! trilr q[¡ou¡: ' Gc¡ irfonmrion - Ρc ¡cour ¡ëhne ofó+king æmmtlc) Plcrx uf.n mion rcgrrrli ÅfM md Doll* Lioristìorx , Tlrc ¡tco+¡ I's r [l rrdug ¡trr AfM (':¡nl ) rtul 1 Þd'k fril atxl Jrøru¡l - ä linriu¡iou oo Frmutoo of Trgfctr: ln ¡ûil¡lou to rh¡vc li,nirrrio¡¡ m rn¡rfris ¿bårlxrc dæitrd, if lr¡ dt fbllowlnç . Caiofirnnniqn rlnur: . Th¿ rm¡¡hdrnra of ¡rut dtlingrcoutrtr) nin¡k Plw ion rqltdirrg Typ* kcÉ four ( frr), ioy fr lf rlc 6sih Ira; . (li¡rt ri¡iwi.v to rt¡y rytt¿ Þl'rlstrr[, Faincçf'Sdt }¡nnrlnn¡-þ¡l!r Llnrirqritor: llslog lnor r Ì Ëtúrtrho!íÉd î¡t¡ìEn'¡ fn+r cty a,!pt anl: indlcucd eh*hrr, mrìo æt slsrSs lìrr ¡f t . Yis mn! nr* qmi siic).L!! if, ttüFå(rktt! Ps ;lå11 i¡ rfilulst$" ullrl[¿tiqr rvitlt ATM qitldrrrt¡ù üre l'rru ñoucÉ u¡ Ê'r f¡¡il Foltl,o['1d¡'fiæsnåoe'lbu aay nr orilinr, ll FY (ln ¡c's, phuæ1, 0Òcnrhst¡liof I ãd(lE, 38 10/28/2013 1 1:53:39 AM 713-755-1451 Page6/7 ¡utartsm ¡rrt of rhre srndí<ìot¡¡ u tta nrcr, ¡our lirbillr¡ L drc lwr of i50 rlrc ¡rtkingrta lishÉd, Pcriorlic Yo rvll grt r nrmrhly reoun¡ ¡Élqnau lmnt ur fnr lnlr or rhc ¡nourr of t¡nô4i poFs.Itr hhs, or snìæ obaincr! b¡ súr rhc un¿uùoñæd uq b¿fo¡ä uot¡ñorl,>n to ur' 'Unu¡lurlnd uC rfttruns¡. r um*nr írom ur for Yeur ¡q ¡on¡ftr¡ in a Fr¡irul¡i rJoni l¡¡qu r*lÉn ur$ õlcrArf.t i\ lce qußqlf. bclæ ¡ ran¡lo hrr lon mrle urlag thc irt6ulrtìøt lrucr ¡:ut dr6*. r+iÈ;ùur )'fl ¡r pGrmi*k!tr ¿irr¡ .-jr;-*r, ¡itn a r lt - rrr . ?r: r r- J. L-n'¡ :-- VOT JR ÂBilITY TO IfTTHÐ FÂ\F } UNDS urirbr rbi¡ mli+. ôur ¡Jisris æ rl ¡uurodr ld ¡h..d drrnsii. Durì w rlç lùn.i¡ in eh ¡'n t'n) n¡tuPtþ rnd rou krr+ Pund¡ Anlhbills PolJæ Tùc inl+rn¡riæ døibu ot pJþ t-hc End<. fo¡ }tJ¡l¡re dæ+rcrl iicnrs in r t¡cxçioo r(gxnl hfol( Íuñlr it*h t .i+ m,¡. ñtilnhk r" lvu farvirhl¡¡wl Tl:h ir vlur i¡ allod out í5, Êrt or f,oai) îuryh.\ail¡LiGry ìr,'lhr pt Plwr¡ (979) 5?r-fllll ]Vtrs þu¡SL¡l ltrfoi nuriurr it Atril,tbl':on fur¡tw. tl¡reu¡hoùrd Twr*ær rnrsfçr hu bm 6Frtr m rhe¡rf50 tr Þ NHffi lmq r¡Y) krp¡ Ytru ¡p¡ hr p. of ywr rutoutidinp ÅTlvl or rrlgiü d(9uh níght. Ðe rut rlrr rht 3 39 10128120131 1:53:39 AM 713-755-1451 Page7 I 7 +s'?i Ì¡ri+:+ã 7, iilj j,fffi=titrr.¿.ii-ãi1*.;iùrtãtf ¡!+- '1 r Þ1r tq1,a,¡ i:l AANKING CENTEHS u{¡usroN 1 ÈìIr/tli AßÈå ^Ân 0ll:,0ll!. 0ll{. tl 15. 0l lft 0117, r¡l l¡, 0l 19, 0¡t?, 0rlJ. 0214, 01Þ, 0rt6, ç?!1, 0:20, Õ21¡, nllll 0Jl ¡, rJJ¡1, r):ilJ, r,5lr, ajlfl, 0dlo. 0,11¿, t422, 0.12J, !ì,fft. M.{], 01i:ì, ll4-ì4, f.!'!,(o. M'lr. 05r{, 05t5, tl5tr, 0510,0i21, ût:2, ¡J510¡ OSJ I. û6 rl, Dcpr¡:is aÂmnurqlTcfls M¡rhlns¡ \l(t only.{o* Pincy lbint SBzc\feslhcirnc¡ Houston,'rx Z/o6l lsddry¡ircd n, 711-954-24r8 cor*ri¡ ¡rund t ¡ruurrtæutll Iorl æftn¡ll b¡li* rhs)trq hnc lf y,w Pcsr Ork/Uptc*va ruhnit¿t¿ iltct ¡1,¡¡'¡u mlcital and du¡ 777 lltxt clh Blvd #r5o n, Plrsr¡nr¡lr w ¡i: l lots(on, Tli 77oJ6 llurPcriry åarllr 2gr-jo¡.-ldEo IJD) N. M(iJt{t¡c:ir drml unril rhs drne mriodc ó¡t ¡r¿ ds'åci clqrvllm in rhir El {j{u¡rr, T}í 77{J7 tllxlorçc Í'r rh< D'pc #tla* rh*ynu dr¡rolcd. (e/t) 578.8i8r floy¡l Oafts trooo Wesihcimer Rd. ÈlÞo Houston' rx 77n27 tIrl4tl-or7o . ¡{ dæ¡ip¡ion of wl¡r ¡ou hrw ufÍctt,J I kr: {frr erø¡lc, ¡o rhink rhà ¡rnorr¡ uidrdnq¡ qr içr¡¡rsr); o rvirlvl¡nv (u nd¡ 4çfq¡ùuill bç : d¡n¡ rlx wtdr pron ro uìoø;ru t*ots rhtthnl, r 7rú1 t8.020 @t000 Y¡ohcs tlluwr Fnlnti¡l $ervkÈ B¡q&të Sy¡tlNÞ Fonr AIB.t !,/4/?l)tl I TCM'53q,l+jni, ftrrrxn ?*' - G 40 trR#Spffi ffiK: I ni ¡o nrrr t I n lo r¡:u¡ i<¡ n lï.tgaC i tg Fl) I C 1 ¡su rst¡i;( {i;v+ra¡,: 1 t"Í,: r l,_'c of iri cg*, ri "r lÉlc¡ ¡rnsr iC n 4 Ê¡\S'Ii-iN9 Guidc . t Jiilrcranir Ëund'Ëarirltr¡:'rtrrt û,i6h,s rnrl Rtspe,nsibiliriæ' 4 .lcir*rJrtir r:i' Iìârs 2 Yt'.:,r r\Ltility T'o Y¡'rirllÈìrr\\t lurr¡is . ) Þlniic¿ ¡.'f Y¡itr iììr',*'n¡.ia[ Ttrivsr:v itlghtr, Sriir¡ritiro: l;hrrks rnd. ltrvr fugl'¡¡¡ fl 'is¡rriri ¡n¡l üontlirior¡g c{:Y. \\Ìí!\ñ14,s\f ,(ùñ:øN\\;#(\\lv,N\\¡..4\s\ft 6i$úrr(i\\:¿r, rrcc,s.rrr¡', {.'Lìr Ê',rur tlrc insrlr¿d b¡nk,rre se¡rarrrtely P¡ess l! ft:r f\¡o,J¡ fr.re-sfsr Ìi{å' l}illl¡\'A"I' lF{f û ¡lltillTüiq RSGÀft f} I Fí {j ins'-¡rsd vr¡rìl rtr r¡¡li*r m+t¡riry,!arr;{itr the rnd {',:nd L*ra P,ryatrlr) rjÐl{: {í{.!ti f¡.,lNet rÐI'tìIr.${;hl .rf rLr sit-¡;r¿¡tih 6r¡r:t t-ilii th¿t n¡:n:rt: Prr:s¡,i ¡t¡ ì ìirr¿l.'li¡.iifàrtiooÉ ?'cdt)¿i. FIJIC Çrrr¡¡rt Íirïnsit ftlsur*lr{itì lüî rì'îr¡¡ijrRl rlliing d,.r: .six-tnr,¡nth fcrirx, ìrn.l irrt n:¡rr:r*t:l lì.,t ('iry chcck nrrtihtr Ër ì¡¡ri¡uit) nr!ì\){rÍt i; cl¡Jl'ctlTl/u i'\if' tl,t $luï{ raúrr riñdl in riir' ¡r:¡lt tieTl,li ¡irr¡r¡lrt P:rs¡ J ftr idol': ilpiitn* 'iht srJc."too iirnir !s t tbl (rirhcr with tr¡ *:!l ruir t ".¡cÊtrlrrl iìtlrerr{rìrl (r,r ¡(ió:l ry iDrl¿rrt'*, Turrrrrxr, (ihaogc I'lNi irtrrrenr ¡¿cf.',¡ats (i¡dt¡d nci it rr !e lelxt;rtCy i;rsr:;r¡J unrii tlie liil< r:trrutìry rll*e -. Snvin¡ç Munr ì€Jnpr,íiry t¡r ¿11 ¡:thít dspcrìr accctnt! rhiou.¡-i tfirs ¡he :ì:¿rnonth p*'rlod. lf ¿ CD ¡:¡iur¿: ¡Ì,rriaÍ {prum¡tr lre u.t7ie *r OLe¡Li*g illen'*) Lìryer.i¡c.- :ii, ìlul, ùn jirurry r, lrt.1, :hr ;.he si:<-snortir gmrc pcricJ ¿rJ is lsns'¿rtJ on r¡"- :,ç¡rcìrril li r¡;:ut :t f ìr *ì or:r,rìarrj irs rrra neFirr:l:;rrtii wì ,irilcr l¡;rris, ir .rlr.:ir1 bc sr¡:,tr:rtci,v ìnrrt,'tt! ,;rriy *nlii * (.ll Þlen¡r pi'i de¡rrxit,rr íirr lll drposii,lccorrnts r]xri:f:ì .?r11rh tìr¿ uirT lf rlit sl:,-mr;nti, grar,,,, ptiitri. . p¡er¡ I lcr Bt¡j¡;nrc ¡riitrrii'¡nr sryrrrtul-r, rvf¡ich *,iil ¡tÌ11$ìú iit å-.,5a,oùtJ " Pr¡*s2. ûr'r ìctt¡rl\ !¡rírrrn¡r'lilitt ti$!\r $ï\i ¡ llt¿u 1trr Ci¡,:r*r' ÏlN ¡er iir¡trÈirr:r. lire iíÐ!d ¡;rävidersrrr/jrtc iolr'ilSi ['ii dtpcli* hgid ín di¡-íersflt ìric.rlsr irwreffh,ìf .. lÃ,{h{¿nu .íie*ü¡iLî. f)ipcsircis r]ìi¡ qualily krl ¡r'ü¡t (pri'lrpr lrc larne ai CÞ l"'&¡uJ c(ì'¿eÍi¡ie if thty firrvr finrL jn cl¡ll*rr'¡¡ r4tlì*ilii¡ Fil$"l"LIN[. îilrn].rr, r.rit!.*Si¡r';r:J eid rll FDlll ir:qu::eni{ilt$ îr¡:i trJt:l, {Fur m/Luriìrrr,as¡x r-v r.alì -. l-¡¡s*r h.Ccn¡r rJtr:lils rr:r rl,t t,qnìtctivnw, g+ {o \'¡wi,(l'r-iìrS,:¡il ¡ frf¡,'$; i,&:r A¿iç¡nc,:r de¡orirllipctìtr i t,ltt11ri,. ¡ ln:s¡ .'l tìr, .lùyn:!Ttß 'lÌ4,tì l¡io gp,rrn r lrd,Jidcndl,+; Ìr...rip*ri r-y'Ð ¡¡ri< is lìlrr ïr\u Ërrrqrinrr, !iÉ l¿eÊ iì¡e lcrt 4 rjigir:':! y:ur " i:'rsrs .ì 1ì¡¡ Find I':lr:s¡¿ti¿rlr.q sotìri ærrriî1. niimbcrri'r:r ¡lo:irire irìv:tilicsrior rvtr¿¡ tstrré for Ådvs nteç û! ¡råytiìÉrrtr prr*' lìtlül ìl¡l irx p: rr'rr iriral . 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Perry D. Felix D/B/A Han's Laser Technology Co. v. Prosperity Bank (Perry D. Felix D/B/A Han's Laser Technology Co. v. Prosperity Bank) — published by Counsel Stack Legal Research, free access to 12M+ legal documents.