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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><span style='color:#1F497D'>I was a little late to Monday’s call, but I believe I caught the back end of your discussion of the 11<sup>th</sup> Circuit’s decision in Banta v. Arch case (a copy of the decision is attached). The decision has received a lot of attention in the property manager and insurance broker communities, and especially among managers and brokers that work with real estate program insurance. I wanted to share with you a commentary provided by Laura Pearce, who is general counsel of the Florida Association of Insurance Agents (see blog post attached).<o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>What had puzzled me about the decision was the insured status of the property owner, which seems unclear in the opinion. It does not seem controversial to me that a property manager has an insurable interest in a property it manages, but only to the extent of its financial interest, not to the full extent of the property’s value. But I could not figure out how the owner itself failed to recover when it was a named insured. The portion of the case pasted below and cited by Pearce in subsequent discussions explains that Arch did not have to pay the property owner because it provided excess coverage and the total loss to the property owner did not exceed the excess attachment point. So the opinion may not be as problematic as it might appear at first blush. So long as property owners insured under a property insurance program run by a property management firm are named as additional named insureds under the policy, there should not be an insurable interest issue. The case excerpt is below:<o:p></o:p></span></p><p><span style='font-size:14.0pt;font-family:TimesNewRomanPSMT'>The complication in this case arises from the ownership of the apartment complexes. In April 2005, when the property insurance was obtained, the Banta Family owned the separate legal entities comprising Parkcrest, Colonial Park, and Westwood. The Banta Family, however, was not the named insured, and is not the plaintiff in this case. Instead, “Banta Properties, Inc.” was the named insured on the primary and excess policies, while “Colonial Park Apts,” “Parkcrest Apts,” and “Westwood Apts LLC” were additional named insureds.</span><span style='font-size:9.0pt;font-family:TimesNewRomanPSMT;position:relative;top:-6.0pt;mso-text-raise:6.0pt'>3 </span><span style='font-size:14.0pt;font-family:TimesNewRomanPSMT'>Further, in August 2005, prior to Hurricane Wilma and the loss at issue, the Banta Family sold Parkcrest to an unrelated nonparty, while Banta Properties continued to serve as the property management company. </span><o:p></o:p></p><p><span style='font-size:14.0pt;font-family:TimesNewRomanPSMT'>B. Banta Properties’s Assertion of the Owners’ Interests </span><o:p></o:p></p><p><span style='font-size:14.0pt;font-family:TimesNewRomanPSMT'>Perhaps recognizing the limits of its own insurable interest, Banta Properties argues two ways to impute the insurable interest of the owners to itself. Banta Properties first argues its suit is asserting the interest of the Banta Family. Both parties devoted considerable time arguing about whether the interests of the Banta Family are properly represented on the policies, and whether Banta Properties’s suit is on behalf of those interests. However, we need not resolve these arguments because the loss to the Banta Family’s insurable interest was insufficient to trigger Arch’s liability under the excess policy. </span><o:p></o:p></p><p><span style='font-size:14.0pt;font-family:TimesNewRomanPSMT'>At trial, Banta Properties asserted $6.1 million in damage to the apartment complexes. Of that asserted loss, $3.5 million was from damage to the Parkcrest complex. Banta Properties therefore claimed, at most, $2.6 million in damage to the Colonial Park and Westwood complexes. But Banta Properties’s policy with Arch is an excess policy, which requires the damage to exceed the coverage of the primary policy. The primary policy covers $2.5 million in damage plus a $550,186.50 deductible, or approximately $3 million total. The $2.6 million in asserted damage to Colonial Park and Westwood is less than the $3 million attachment point. Even if we attribute to Banta Properties all of the insurable interests of the Banta Family, Banta Properties must still show the Banta Family had an insurable interest in the Parkcrest complex to recover against Arch.</span><o:p></o:p></p><p><span style='font-size:14.0pt;font-family:TimesNewRomanPSMT'>Moreover, the insurable interest must have existed at the time of the loss. </span><i><span style='font-size:14.0pt;font-family:TimesNewRomanPS'>See </span></i><span style='font-size:14.0pt;font-family:TimesNewRomanPSMT'>Fla. Stat. § 627.405(1). But the Banta Family had no insurable interest in Parkcrest when Hurricane Wilma occurred in October 2005, because they had sold their interest in Parkcrest to a nonparty in August 2005. Therefore, Banta Properties cannot prevail, even assuming this suit is on behalf of the Banta Family as a whole.</span><span style='font-size:9.0pt;font-family:TimesNewRomanPSMT;position:relative;top:-7.0pt;mso-text-raise:7.0pt'>5 </span><o:p></o:p></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:#1F497D'>Robert H. Friedman<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:#1F497D'>Friedman P.A.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:#1F497D'>340 Royal Poinciana Way, Suite 317-202<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:#1F497D'>Palm Beach, FL 33480<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:#1F497D'>Phone: 561-800-2110<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:#1F497D'>Fax: 561-246-3413<o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt'><span style='color:#1F497D'><a href="http://www.friedmanpa.com/" target="_blank"><span style='font-size:12.0pt;font-family:"Arial","sans-serif"'>www.friedmanpa.com</span></a></span><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:#333333;background:white'><o:p></o:p></span></p><p class=MsoNormal style='line-height:15.0pt'><span style='color:#1F497D'><a href="http://www.insurancelawflorida.com/" target="_blank"><span style='font-size:12.0pt;font-family:"Arial","sans-serif"'>www.insurancelawflorida.com</span></a></span><span style='font-size:12.0pt;font-family:"Arial","sans-serif";color:#333333;background:white'><o:p></o:p></span></p></div><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b>From:</b> liability_insurance-bounces@lists.flabarrpptl.org [mailto:liability_insurance-bounces@lists.flabarrpptl.org] <b>On Behalf Of </b>Whelan, Ed<br><b>Sent:</b> Monday, April 21, 2014 10:17 AM<br><b>To:</b> 'Wright, Wm. Cary'; liability_insurance@lists.flabarrpptl.org<br><b>Subject:</b> Re: [Liability Insurance] Florida Bar RPPTL Insurance & Surety Committee Monthly Call Scheduled for Monday, April 21, 2014, beginning at Noon<o:p></o:p></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='color:#1F497D'>Cary and Committee Members: <o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>I am attaching a few other pleadings/orders that I will cover in my presentation at 12. These additional pleadings/orders and their significance are as follows: <o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><p class=MsoListParagraph style='text-indent:-.25in;mso-list:l1 level1 lfo2'><![if !supportLists]><span style='color:#1F497D'><span style='mso-list:Ignore'>1.<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><i><u><span style='color:#1F497D'>Carithers v MCC order 3/11/14</span></u></i><span style='color:#1F497D'> – addressing coverage issues under CGL policy <o:p></o:p></span></p><p class=MsoListParagraph style='text-indent:-.25in;mso-list:l1 level1 lfo2'><![if !supportLists]><span style='color:#1F497D'><span style='mso-list:Ignore'>2.<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><i><u><span style='color:#1F497D'>Carithers v MCC order 2/10/14</span></u></i><span style='color:#1F497D'> – holding Florida follows injury in fact trigger and not time on the risk – holding occurrence is when the defective work was performed <o:p></o:p></span></p><p class=MsoListParagraph style='text-indent:-.25in;mso-list:l1 level1 lfo2'><![if !supportLists]><span style='color:#1F497D'><span style='mso-list:Ignore'>3.<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><i><u><span style='color:#1F497D'>Treace v MCC Garnishor’s Proposed Order Following Trial:</span></u></i><span style='color:#1F497D'> – addressing the rip and tear defense <o:p></o:p></span></p><p class=MsoListParagraph style='text-indent:-.25in;mso-list:l1 level1 lfo2'><![if !supportLists]><span style='color:#1F497D'><span style='mso-list:Ignore'>4.<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><i><u><span style='color:#1F497D'>Treace v MCC order 1/17/14</span></u></i><span style='color:#1F497D'> – holding only insured entitled to attorneys’ fees against Insurance Carrier <o:p></o:p></span></p><p class=MsoListParagraph style='text-indent:-.25in;mso-list:l1 level1 lfo2'><![if !supportLists]><span style='color:#1F497D'><span style='mso-list:Ignore'>5.<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><i><u><span style='color:#1F497D'>Treace v MCC order 1/14/14</span></u></i><span style='color:#1F497D'> – denying MSJ on insurance carrier’s failure to disclose divergence of interest under <i><u>Duke v Hoch</u></i> <o:p></o:p></span></p><p class=MsoListParagraph style='text-indent:-.25in;mso-list:l1 level1 lfo2'><![if !supportLists]><span style='color:#1F497D'><span style='mso-list:Ignore'>6.<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><i><u><span style='color:#1F497D'>Treace v MCC order 1/14/14</span></u></i><span style='color:#1F497D'> – denying MSJ on insurance carrier’s failure to disclose divergence of interest under <i><u>Duke v Hoch</u></i> <o:p></o:p></span></p><p class=MsoListParagraph style='text-indent:-.25in;mso-list:l1 level1 lfo2'><![if !supportLists]><span style='color:#1F497D'><span style='mso-list:Ignore'>7.<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><i><u><span style='color:#1F497D'>Treace v MCC Depo Excepts </span></u></i><span style='color:#1F497D'> – Insurance carrier rep admitting that carrier failed to disclose a divergence of interests <o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='color:#1F497D'>Brief outline of topics I intend to cover: <o:p></o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><p class=MsoListParagraph style='text-indent:-.25in;mso-list:l0 level1 lfo4'><![if !supportLists]><span style='color:#1F497D'><span style='mso-list:Ignore'>1.<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='color:#1F497D'>Use of Garnishment Action and Implead to Collect From Insurance Carriers<o:p></o:p></span></p><p class=MsoListParagraph style='margin-left:1.0in;text-indent:-.25in;mso-list:l0 level2 lfo4'><![if !supportLists]><span style='color:#1F497D'><span style='mso-list:Ignore'>a.<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='color:#1F497D'>Prevent removal <o:p></o:p></span></p><p class=MsoListParagraph style='margin-left:1.0in;text-indent:-.25in;mso-list:l0 level2 lfo4'><![if !supportLists]><span style='color:#1F497D'><span style='mso-list:Ignore'>b.<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='color:#1F497D'>Keep case with Judge that tried underlying action <o:p></o:p></span></p><p class=MsoListParagraph style='margin-left:1.0in;text-indent:-.25in;mso-list:l0 level2 lfo4'><![if !supportLists]><span style='color:#1F497D'><span style='mso-list:Ignore'>c.<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='color:#1F497D'>Potential to recover from multiple policies absent a non-cumulative provision<o:p></o:p></span></p><p class=MsoListParagraph style='margin-left:1.0in;text-indent:-.25in;mso-list:l0 level2 lfo4'><![if !supportLists]><span style='color:#1F497D'><span style='mso-list:Ignore'>d.<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='color:#1F497D'>Application of set off under Garnishment Statute <o:p></o:p></span></p><p class=MsoListParagraph style='text-indent:-.25in;mso-list:l0 level1 lfo4'><![if !supportLists]><span style='color:#1F497D'><span style='mso-list:Ignore'>2.<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='color:#1F497D'>Carrier’s Motions to Intervene in Underlying Trial and Burden to allocate between covered and non-covered damages post judgment <o:p></o:p></span></p><p class=MsoListParagraph style='margin-left:1.0in;text-indent:-.25in;mso-list:l0 level2 lfo4'><![if !supportLists]><span style='color:#1F497D'><span style='mso-list:Ignore'>a.<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='color:#1F497D'>Last minute motions to intervene – what to do? <o:p></o:p></span></p><p class=MsoListParagraph style='margin-left:1.0in;text-indent:-.25in;mso-list:l0 level2 lfo4'><![if !supportLists]><span style='color:#1F497D'><span style='mso-list:Ignore'>b.<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='color:#1F497D'>Divergence of interests<o:p></o:p></span></p><p class=MsoListParagraph style='margin-left:1.0in;text-indent:-.25in;mso-list:l0 level2 lfo4'><![if !supportLists]><span style='color:#1F497D'><span style='mso-list:Ignore'>c.<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='color:#1F497D'>Lack of knowledge by plaintiff of specific coverage “setup” reasons for Carrier’s motion <o:p></o:p></span></p><p class=MsoListParagraph style='margin-left:1.0in;text-indent:-.25in;mso-list:l0 level2 lfo4'><![if !supportLists]><span style='color:#1F497D'><span style='mso-list:Ignore'>d.<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='color:#1F497D'>Special Rogs <o:p></o:p></span></p><p class=MsoListParagraph style='text-indent:-.25in;mso-list:l0 level1 lfo4'><![if !supportLists]><span style='color:#1F497D'><span style='mso-list:Ignore'>3.<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='color:#1F497D'>Applicable Trigger for coverage under a CGL policy for construction defect claims<o:p></o:p></span></p><p class=MsoListParagraph style='margin-left:1.0in;text-indent:-.25in;mso-list:l0 level2 lfo4'><![if !supportLists]><span style='color:#1F497D'><span style='mso-list:Ignore'>a.<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='color:#1F497D'>differences between Federal and State Courts <o:p></o:p></span></p><p class=MsoListParagraph style='margin-left:1.0in;text-indent:-.25in;mso-list:l0 level2 lfo4'><![if !supportLists]><span style='color:#1F497D'><span style='mso-list:Ignore'>b.<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='color:#1F497D'>is there any difference between injury in fact and manifestation <o:p></o:p></span></p><p class=MsoListParagraph style='margin-left:1.0in;text-indent:-.25in;mso-list:l0 level2 lfo4'><![if !supportLists]><span style='color:#1F497D'><span style='mso-list:Ignore'>c.<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='color:#1F497D'>need to have expert testimony to establish occurrence date – suggestions as to how to do so <o:p></o:p></span></p><p class=MsoListParagraph style='margin-left:1.0in;text-indent:-.25in;mso-list:l0 level2 lfo4'><![if !supportLists]><span style='color:#1F497D'><span style='mso-list:Ignore'>d.<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='color:#1F497D'>distinction between knowledge for SOL vs. knowledge for trigger <o:p></o:p></span></p><p class=MsoListParagraph style='text-indent:-.25in;mso-list:l0 level1 lfo4'><![if !supportLists]><span style='color:#1F497D'><span style='mso-list:Ignore'>4.<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='color:#1F497D'>Mold Exclusion -- applicability to defect cases <o:p></o:p></span></p><p class=MsoListParagraph style='text-indent:-.25in;mso-list:l0 level1 lfo4'><![if !supportLists]><span style='color:#1F497D'><span style='mso-list:Ignore'>5.<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='color:#1F497D'>Defenses to the Enforceability of Restrictive Endorsements when Carrier fails to properly disclose <o:p></o:p></span></p><p class=MsoListParagraph style='margin-left:1.0in;text-indent:-.25in;mso-list:l0 level2 lfo4'><![if !supportLists]><span style='color:#1F497D'><span style='mso-list:Ignore'>a.<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='color:#1F497D'>627.4133(1)(a) – non-renewal requirements to disclose <o:p></o:p></span></p><p class=MsoListParagraph style='text-indent:-.25in;mso-list:l0 level1 lfo4'><![if !supportLists]><span style='color:#1F497D'><span style='mso-list:Ignore'>6.<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='color:#1F497D'>Rip and Tear Defense – its misapplication by carriers<o:p></o:p></span></p><p class=MsoListParagraph style='text-indent:-.25in;mso-list:l0 level1 lfo4'><![if !supportLists]><span style='color:#1F497D'><span style='mso-list:Ignore'>7.<span style='font:7.0pt "Times New Roman"'> </span></span></span><![endif]><span style='color:#1F497D'>Recovery of Attorneys’ Fees Post Judgment <o:p></o:p></span></p><p class=MsoListParagraph style='margin-left:1.0in;text-indent:-.25in;mso-list:l0 level2 lfo4'><![if !supportLists]><i><span style='color:#1F497D'><span style='mso-list:Ignore'>a.<span style='font:7.0pt "Times New Roman"'> </span></span></span></i><![endif]><i><u><span style='color:#1F497D'>Haynes 793 So 2d 1006 (5<sup>th</sup> DCA 2001): </span></u></i><span style='color:#1F497D'>Attorneys’ fees from underlying trial not damages and not costs – judgment plaintiff can’t recover them from Carrier <i><u><o:p></o:p></u></i></span></p><p class=MsoListParagraph style='margin-left:1.0in;text-indent:-.25in;mso-list:l0 level2 lfo4'><![if !supportLists]><i><span style='color:#1F497D'><span style='mso-list:Ignore'>b.<span style='font:7.0pt "Times New Roman"'> </span></span></span></i><![endif]><i><u><span style='color:#1F497D'>Lucas Waterproofing 581 FSupp2d 1201 (SD Fla 2008): </span></u></i><span style='color:#1F497D'>distinguishing Haynes as relying upon non-insurance cases and holding that attorneys’ fees awarded in the underlying trial as recoverable <i><u><o:p></o:p></u></i></span></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='color:#1F497D'><o:p> </o:p></span></p><div><div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'> Wright, Wm. Cary [<a href="mailto:cwright@cfjblaw.com">mailto:cwright@cfjblaw.com</a>] <br><b>Sent:</b> Friday, April 18, 2014 3:48 PM<br><b>To:</b> <a href="mailto:liability_insurance@lists.flabarrpptl.org">liability_insurance@lists.flabarrpptl.org</a><br><b>Cc:</b> Whelan, Ed; Michael J. Gelfand<br><b>Subject:</b> Florida Bar RPPTL Insurance & Surety Committee Monthly Call Scheduled for Monday, April 21, 2014, beginning at Noon<o:p></o:p></span></p></div></div><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:12.0pt'>Everyone:<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'>I hope you are having an enjoyable Easter weekend. <o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'>Attached are the following for the monthly Insurance & Surety Committee conference call scheduled for Monday, April 21, 2014 at noon: (1) agenda; (2) minutes of the March 17, 2014 telephone conference; and (3) a copy of a Trial Court judgment in the <i>James T. Treace and Angeline G. Treace v. Harbor Island Joint Venture III et al.</i><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'>The CLE presentation will be by Ed Whelan, a shareholder in the Jacksonville office of Gunster. Ed will present on the attached case in which he was able to garnish CGL insurance proceeds as a result of obtaining a judgment in the underlying construction defect action. This is a very interesting and timely case with practical implications to those seeking to recover on hard-earned judgments. We will all benefit from Ed’s insight and experience from this case.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'>The dial-in information is:<o:p></o:p></span></p><p class=Standard1 style='margin:0in;margin-bottom:.0001pt'><b><span style='font-size:12.0pt;font-family:"Calibri","sans-serif"'><o:p> </o:p></span></b></p><p class=Standard1 style='margin:0in;margin-bottom:.0001pt'><b><span style='font-size:12.0pt;font-family:"Calibri","sans-serif"'>Dial-in: 888-376-5050<o:p></o:p></span></b></p><p class=Standard1 style='margin:0in;margin-bottom:.0001pt'><b><span style='font-size:12.0pt;font-family:"Calibri","sans-serif"'>Pin: 8425484201#<o:p></o:p></span></b></p><p class=MsoNormal><b><span style='font-size:12.0pt'>Moderator: 13137#</span></b><span style='font-size:12.0pt'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'>Thanks and I appreciate everyone’s participation.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'><br>Cary<o:p></o:p></span></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'><img border=0 width=190 height=52 id="Picture_x0020_1" src="cid:image001.png@01CF5ED6.07A48AF0" alt="Carlton Fields Jorden Burt, P.A."><br>Wm. Cary Wright</span></b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'><br>Attorney at Law<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>Board Certified in Construction Law<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'><br>4221 W. Boy Scout Blvd., Ste. 1000<br>Tampa, Florida 33607-5780 <br>Direct: 813.229.4135 | Fax: 813.229.4133<br><br></span><a href="mailto:cwright@cfjblaw.com"><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>cwright@cfjblaw.com</span></a><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> | </span><a href="http://www.cfjblaw.com/"><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>www.CFJBLaw.com</span></a><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> <br></span><a href="http://www.cfjblaw.com/cwright/"><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>bio</span></a><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> | </span><a href="http://www.cfjblaw.com/FCWSite/Features/_Attorneys/vCard.aspx?attorney=270"><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>vcard</span></a><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> | </span><a href="http://www.linkedin.com/in/wcarywright"><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>LinkedIn</span></a><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'> <br><br><i>Confidential: This e-mail contains a communication protected by the attorney-client privilege or constitutes work product. If you do not expect such a communication please delete this message without reading it or any attachment and then notify the sender of this inadvertent delivery.</i> </span><o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'><o:p> </o:p></span></p><div class=MsoNormal align=center style='text-align:center'><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'><hr size=3 width="100%" align=center></span></div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:black'>Tax Advice Disclosure: To ensure compliance with requirements imposed by the IRS under Circular 230, we inform you that any U.S. federal tax advice contained in this communication (including any attachments), unless otherwise specifically stated, was not intended or written to be used, and cannot be used, for the purpose of (1) avoiding penalties under the Internal Revenue Code or (2) promoting, marketing or recommending to another party any matters addressed herein. Click the following hyperlink to view the complete Gunster IRS Disclosure & Confidentiality note.<br><br><a href="http://www.gunster.com/terms-of-use/">http://www.gunster.com/terms-of-use/</a></span><span style='font-size:12.0pt;font-family:"Times New Roman","serif"'><o:p></o:p></span></p></div></body></html>