{\rtf1\adeflang1025\ansi\ansicpg0\uc1\adeff0\deff0\stshfdbch0\stshfloch0\stshfhich0\stshfbi0\deflang8192\deflangfe8192\themelang1033\themelangfe0\themelangcs0{\fonttbl{\f0\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\f1\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604020202020204}Arial;}
{\f2\fbidi \fmodern\fcharset0\fprq1{\*\panose 02070309020205020404}Courier New;}{\f3\fbidi \froman\fcharset2\fprq2{\*\panose 05050102010706020507}Symbol;}{\f10\fbidi \fnil\fcharset2\fprq2{\*\panose 05000000000000000000}Wingdings;}
{\f34\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria Math;}{\f40\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0604030504040204}Verdana;}{\f43\fbidi \fswiss\fcharset0\fprq2{\*\panose 00000000000000000000}Tahoma;}
{\f44\fbidi \fswiss\fcharset0\fprq2{\*\panose 020b0502040204020203}Segoe UI;}{\flomajor\f31500\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\fdbmajor\f31501\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\fhimajor\f31502\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria;}
{\fbimajor\f31503\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\flominor\f31504\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}
{\fdbminor\f31505\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\fhiminor\f31506\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}
{\fbiminor\f31507\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\f46\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\f47\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\f49\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\f50\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\f51\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\f52\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\f53\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\f54\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\f56\fbidi \fswiss\fcharset238\fprq2 Arial CE;}{\f57\fbidi \fswiss\fcharset204\fprq2 Arial Cyr;}
{\f59\fbidi \fswiss\fcharset161\fprq2 Arial Greek;}{\f60\fbidi \fswiss\fcharset162\fprq2 Arial Tur;}{\f61\fbidi \fswiss\fcharset177\fprq2 Arial (Hebrew);}{\f62\fbidi \fswiss\fcharset178\fprq2 Arial (Arabic);}
{\f63\fbidi \fswiss\fcharset186\fprq2 Arial Baltic;}{\f64\fbidi \fswiss\fcharset163\fprq2 Arial (Vietnamese);}{\f66\fbidi \fmodern\fcharset238\fprq1 Courier New CE;}{\f67\fbidi \fmodern\fcharset204\fprq1 Courier New Cyr;}
{\f69\fbidi \fmodern\fcharset161\fprq1 Courier New Greek;}{\f70\fbidi \fmodern\fcharset162\fprq1 Courier New Tur;}{\f71\fbidi \fmodern\fcharset177\fprq1 Courier New (Hebrew);}{\f72\fbidi \fmodern\fcharset178\fprq1 Courier New (Arabic);}
{\f73\fbidi \fmodern\fcharset186\fprq1 Courier New Baltic;}{\f74\fbidi \fmodern\fcharset163\fprq1 Courier New (Vietnamese);}{\f386\fbidi \froman\fcharset238\fprq2 Cambria Math CE;}{\f387\fbidi \froman\fcharset204\fprq2 Cambria Math Cyr;}
{\f389\fbidi \froman\fcharset161\fprq2 Cambria Math Greek;}{\f390\fbidi \froman\fcharset162\fprq2 Cambria Math Tur;}{\f393\fbidi \froman\fcharset186\fprq2 Cambria Math Baltic;}{\f394\fbidi \froman\fcharset163\fprq2 Cambria Math (Vietnamese);}
{\f446\fbidi \fswiss\fcharset238\fprq2 Verdana CE;}{\f447\fbidi \fswiss\fcharset204\fprq2 Verdana Cyr;}{\f449\fbidi \fswiss\fcharset161\fprq2 Verdana Greek;}{\f450\fbidi \fswiss\fcharset162\fprq2 Verdana Tur;}
{\f453\fbidi \fswiss\fcharset186\fprq2 Verdana Baltic;}{\f454\fbidi \fswiss\fcharset163\fprq2 Verdana (Vietnamese);}{\f476\fbidi \fswiss\fcharset238\fprq2 Tahoma CE;}{\f477\fbidi \fswiss\fcharset204\fprq2 Tahoma Cyr;}
{\f479\fbidi \fswiss\fcharset161\fprq2 Tahoma Greek;}{\f480\fbidi \fswiss\fcharset162\fprq2 Tahoma Tur;}{\f481\fbidi \fswiss\fcharset177\fprq2 Tahoma (Hebrew);}{\f482\fbidi \fswiss\fcharset178\fprq2 Tahoma (Arabic);}
{\f483\fbidi \fswiss\fcharset186\fprq2 Tahoma Baltic;}{\f484\fbidi \fswiss\fcharset163\fprq2 Tahoma (Vietnamese);}{\f485\fbidi \fswiss\fcharset222\fprq2 Tahoma (Thai);}{\f486\fbidi \fswiss\fcharset238\fprq2 Segoe UI CE;}
{\f487\fbidi \fswiss\fcharset204\fprq2 Segoe UI Cyr;}{\f489\fbidi \fswiss\fcharset161\fprq2 Segoe UI Greek;}{\f490\fbidi \fswiss\fcharset162\fprq2 Segoe UI Tur;}{\f491\fbidi \fswiss\fcharset177\fprq2 Segoe UI (Hebrew);}
{\f492\fbidi \fswiss\fcharset178\fprq2 Segoe UI (Arabic);}{\f493\fbidi \fswiss\fcharset186\fprq2 Segoe UI Baltic;}{\f494\fbidi \fswiss\fcharset163\fprq2 Segoe UI (Vietnamese);}{\flomajor\f31508\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\flomajor\f31509\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\flomajor\f31511\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\flomajor\f31512\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}
{\flomajor\f31513\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\flomajor\f31514\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\flomajor\f31515\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}
{\flomajor\f31516\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fdbmajor\f31518\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\fdbmajor\f31519\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\fdbmajor\f31521\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fdbmajor\f31522\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\fdbmajor\f31523\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\fdbmajor\f31524\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fdbmajor\f31525\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\fdbmajor\f31526\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}
{\fhimajor\f31528\fbidi \froman\fcharset238\fprq2 Cambria CE;}{\fhimajor\f31529\fbidi \froman\fcharset204\fprq2 Cambria Cyr;}{\fhimajor\f31531\fbidi \froman\fcharset161\fprq2 Cambria Greek;}{\fhimajor\f31532\fbidi \froman\fcharset162\fprq2 Cambria Tur;}
{\fhimajor\f31535\fbidi \froman\fcharset186\fprq2 Cambria Baltic;}{\fhimajor\f31536\fbidi \froman\fcharset163\fprq2 Cambria (Vietnamese);}{\fbimajor\f31538\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\fbimajor\f31539\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fbimajor\f31541\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fbimajor\f31542\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}
{\fbimajor\f31543\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fbimajor\f31544\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fbimajor\f31545\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}
{\fbimajor\f31546\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\flominor\f31548\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\flominor\f31549\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\flominor\f31551\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\flominor\f31552\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\flominor\f31553\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\flominor\f31554\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\flominor\f31555\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\flominor\f31556\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}
{\fdbminor\f31558\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\fdbminor\f31559\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\fdbminor\f31561\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}
{\fdbminor\f31562\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\fdbminor\f31563\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\fdbminor\f31564\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\fdbminor\f31565\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\fdbminor\f31566\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\fhiminor\f31568\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}
{\fhiminor\f31569\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}{\fhiminor\f31571\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}{\fhiminor\f31572\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}
{\fhiminor\f31573\fbidi \fswiss\fcharset177\fprq2 Calibri (Hebrew);}{\fhiminor\f31574\fbidi \fswiss\fcharset178\fprq2 Calibri (Arabic);}{\fhiminor\f31575\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}
{\fhiminor\f31576\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}{\fbiminor\f31578\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\fbiminor\f31579\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\fbiminor\f31581\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\fbiminor\f31582\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\fbiminor\f31583\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\fbiminor\f31584\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\fbiminor\f31585\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\fbiminor\f31586\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}}
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\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 }\noqfpromote {\upr{\stylesheet{\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
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\sbasedon10 \styrsid11734461 Hyperlink;}{\*\ts25\tsrowd\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\trcbpat1\trcfpat1\tblind0\tblindtype3\tsvertalt\tsbrdrt\tsbrdrl\tsbrdrb\tsbrdrr\tsbrdrdgl\tsbrdrdgr\tsbrdrh\tsbrdrv 
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon11 \snext25 \spriority39 \styrsid14421500 Table Grid;}{
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\sbasedon0 \snext26 \sqformat \spriority34 \styrsid11940303 List Paragraph;}{\*\cs27 \additive \rtlch\fcs1 \ab\af1\afs25 \ltrch\fcs0 \b\f1\fs25\ulnone\cf19\animtext0 \sbasedon10 \spriority0 \styrsid13963040 definedword1;}{
\s28\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon0 \snext28 \slink29 \ssemihidden \sunhideused \styrsid7304232 footnote text;}{\*\cs29 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033 \sbasedon10 \slink28 \ssemihidden \styrsid7304232 Footnote Text Char;}{\*
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{\*\ud\uc0{\stylesheet{\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\snext0 \sqformat \spriority0 \styrsid15231661 Normal;}{\s5\ql \li0\ri0\sb240\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\outlinelevel4\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\f1\fs22\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext0 \slink15 \sqformat \spriority9 \styrsid15231661 heading 5;}{\*\cs10 \additive \ssemihidden \sunhideused \spriority1 Default Paragraph Font;}{\*
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\rtlch\fcs1 \ab\ai\af31507\afs26 \ltrch\fcs0 \b\i\fs26\lang3081\langfe1033\loch\f31506\hich\af31506\dbch\af31505\langnp3081\langfenp1033 \sbasedon10 \slink5 \ssemihidden \spriority9 Heading 5 Char;}{
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\sbasedon0 \snext17 \slink18 \styrsid15231661 header;}{\*\cs18 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033 \sbasedon10 \slink17 \ssemihidden Header Char;}{\s19\ql \li0\ri0\widctlpar
\tqc\tx4153\tqr\tx8306\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext19 \slink20 \styrsid15231661 footer;}{\*\cs20 
\additive \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033 \sbasedon10 \slink19 \ssemihidden Footer Char;}{\*\cs21 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \sbasedon10 \styrsid15231661 page number;}{
\s22\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af43\afs16\alang1025 \ltrch\fcs0 \f43\fs16\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 \sbasedon0 \snext22 \slink23 \ssemihidden \styrsid10774100 
Balloon Text;}{\*\cs23 \additive \rtlch\fcs1 \af44\afs18 \ltrch\fcs0 \f44\fs18\lang3081\langfe1033\langnp3081\langfenp1033 \sbasedon10 \slink22 \ssemihidden Balloon Text Char;}{\*\cs24 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \ul\cf2 
\sbasedon10 \styrsid11734461 Hyperlink;}{\*\ts25\tsrowd\trbrdrt\brdrs\brdrw10 \trbrdrl\brdrs\brdrw10 \trbrdrb\brdrs\brdrw10 \trbrdrr\brdrs\brdrw10 \trbrdrh\brdrs\brdrw10 \trbrdrv\brdrs\brdrw10 
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\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\lang5129\langfe5129\cgrid\langnp5129\langfenp5129 \sbasedon11 \snext25 \spriority39 \styrsid14421500 Table Grid;}{
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\sbasedon0 \snext26 \sqformat \spriority34 \styrsid11940303 List Paragraph;}{\*\cs27 \additive \rtlch\fcs1 \ab\af1\afs25 \ltrch\fcs0 \b\f1\fs25\ulnone\cf19\animtext0 \sbasedon10 \spriority0 \styrsid13963040 definedword1;}{
\s28\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 
\sbasedon0 \snext28 \slink29 \ssemihidden \sunhideused \styrsid7304232 footnote text;}{\*\cs29 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033 \sbasedon10 \slink28 \ssemihidden \styrsid7304232 Footnote Text Char;}{\*
\cs30 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \super \sbasedon10 \ssemihidden \sunhideused \styrsid7304232 footnote reference;}{\*\cs31 \additive \rtlch\fcs1 \ai\af0 \ltrch\fcs0 \i \sbasedon10 \sqformat \spriority20 \styrsid8021448 Emphasis;}}}}
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{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'03({\uc1\u2 )};}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-720\li2160\jclisttab\tx0\lin2160 }{\listlevel\levelnfc23
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\levelindent0{\leveltext\'03({\uc1\u5 )};}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-720\li4320\jclisttab\tx0\lin4320 }{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
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\'03({\uc1\u7 )};}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-720\li5760\jclisttab\tx0\lin5760 }{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
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\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid336134171\'02{\uc1\u5 .};}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li8355\lin8355 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0
\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid336134159\'02{\uc1\u6 .};}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-360\li9075\lin9075 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0
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\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid336134171\'02{\uc1\u8 .};}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fi-180\li10515\lin10515 }{\listname ;}\listid801192786}{\list\listtemplateid-1
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{\leveltext\'03({\uc1\u1 )};}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-720\li1440\jclisttab\tx0\lin1440 }{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'03({\uc1\u2 )};}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-720\li2160\jclisttab\tx0\lin2160 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
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{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'03({\uc1\u2 )};}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-720\li2160\jclisttab\tx0\lin2160 }{\listlevel\levelnfc23
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\levelstartat1\levelspace0\levelindent0{\leveltext\'01{\uc1\u-3913 ?};}{\levelnumbers;}\f3\cf0\fbias0 \fi-720\li2880\jclisttab\tx0\lin2880 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'03({\uc1\u4 )};}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-720\li3600\jclisttab\tx0\lin3600 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'03({\uc1\u5 )};}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-720\li4320\jclisttab\tx0\lin4320 }{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'03({\uc1\u6 )};}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-720\li5040\jclisttab\tx0\lin5040 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'03({\uc1\u7 )};}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-720\li5760\jclisttab\tx0\lin5760 }{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'03({\uc1\u8 )};}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-720\li6480\jclisttab\tx0\lin6480 }{\listname ;}\listid1297950117}{\list\listtemplateid-1{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1
\levelspace0\levelindent0{\leveltext\'03[{\uc1\u0 ]};}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-720\li720\jclisttab\tx720\lin720 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0
{\leveltext\'03({\uc1\u1 )};}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-720\li1440\jclisttab\tx0\lin1440 }{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
\'03({\uc1\u2 )};}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-720\li2160\jclisttab\tx0\lin2160 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
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\af0 \ltrch\fcs0 \fbias0 \fi-720\li3600\jclisttab\tx0\lin3600 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\'03({\uc1\u5 )};}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 
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\'03({\uc1\u7 )};}{\levelnumbers\'02;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0 \fi-720\li5760\jclisttab\tx0\lin5760 }{\listlevel\levelnfc2\levelnfcn2\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext
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\chftnsep 
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\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\field{\*\fldinst {\rtlch\fcs1 \af1\afs22 \ltrch\fcs0 \cs21\fs24\insrsid14762961\charrsid11409066 PAGE  }}{\fldrslt {\rtlch\fcs1 \af1\afs22 \ltrch\fcs0 
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\par Warrant No.\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid7627419\charrsid6240723 385/2014}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid8350878\charrsid6240723 
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\par }\pard \ltrpar\ql \fi-2235\li4395\ri0\sb120\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin4395\itap0\pararsid16470830 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8350878\charrsid6240723 IN THE MATTER\tab }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid7627419\charrsid6240723 of Rule 132 and/or 354 of the Code of Civil Procedure of the High Court 1981 and Sections 409(d) and/or (e) of the Cook Islands Act 1915}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid1396253\charrsid6240723  and Section 45(2) of the Judicature Act 1980-81}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16470830\charrsid6240723 
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\par }\pard \ltrpar\ql \fi-2235\li4395\ri0\sb120\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin4395\itap0\pararsid4469705 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10038652\charrsid6240723 IN THE MATTER\tab }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid4469705 of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7627419\charrsid6240723  Application}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4469705 s for a Permanent Injunction}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid10957386 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4469705  an}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7627419\charrsid6240723  Order for Vacan}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5271462\charrsid6240723 t}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7627419\charrsid6240723  Possession}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4469705  and a Warrant of Execution}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9973121\charrsid6240723 
\par }\pard \ltrpar\ql \fi-2235\li4395\ri0\sb120\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin4395\itap0\pararsid12911822 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9973121\charrsid6240723 BETWEEN\tab }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\fs24\insrsid7627419\charrsid6240723 WESTPAC BANKING CORPORATION}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7627419\charrsid6240723  a duly incorporated company having its registered office at Martin Place, Sydney, Australia}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid76428\charrsid6240723 
\par }\pard \ltrpar\ql \fi-2235\li6630\ri0\sb120\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin6630\itap0\pararsid1994685 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12911822\charrsid6240723 Applicant}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid1994685\charrsid6240723 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid1396253\charrsid6240723 
\par }\pard \ltrpar\ql \fi-2235\li4395\ri0\sb120\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin4395\itap0\pararsid9973121 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9973121\charrsid6240723 AND\tab }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\fs24\insrsid7627419\charrsid6240723 JANETTE PUARA BROWNE}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7627419\charrsid6240723  of Rarotonga}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4469705 , Widow}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid9973121\charrsid6240723 
\par }\pard \ltrpar\ql \fi-2235\li6630\ri0\sb120\sa60\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin6630\itap0\pararsid9973121 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9973121\charrsid6240723 Respondent
\par }\pard \ltrpar\ql \fi-2977\li2977\ri0\sb120\sa80\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2977\itap0\pararsid4486855 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5900883\charrsid6240723 
\par }\pard \ltrpar\ql \fi-1134\li1134\ri0\sb120\sa80\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1134\itap0\pararsid11295466 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4469705 Date of Hearing}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11295466\charrsid6240723 :}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4469705  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9266658 \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4469705 19 March 2015
\par Date of Judgment:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8193389 \tab  2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4469705  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid1396253\charrsid6240723 April }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid11939265\charrsid6240723 2015}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11295466\charrsid6240723  
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4284188\charrsid6240723 Counsel:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4469705  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9266658 \tab \tab \tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4469705 Mr Heinz Matysik}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8782451\charrsid6240723  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4469705 for A}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4284188\charrsid6240723 
pplicant
\par }\pard \ltrpar\ql \fi720\li1440\ri0\sb120\sa80\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid9266658 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4469705 Mr Norman George for R}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4284188\charrsid6240723 espondent
\par }\pard \ltrpar\ql \fi-2268\li2268\ri0\sb120\sa80\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2268\itap0\pararsid11295466 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11295466\charrsid6240723 
\par }\pard \ltrpar\ql \fi-2977\li2977\ri0\sb120\sa80\widctlpar\brdrt\brdrs\brdrw10\brsp20 \wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2977\itap0\pararsid11295466 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11295466\charrsid6240723 
\par }\pard \ltrpar\qc \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid11295466 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid1396253\charrsid6240723 JUDGMENT OF HUGH WILLIAMS J}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\fs24\insrsid11295466\charrsid6240723 
\par }\pard \ltrpar\ql \fi-2977\li2977\ri0\sb120\sa80\widctlpar\brdrb\brdrs\brdrw10\brsp20 \wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2977\itap0\pararsid11295466 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11295466\charrsid6240723 
\par }\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5271462 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5271462\charrsid6240723 {\upr{\*\bkmkstart Stopintitulling}
{\*\ud\uc0{\*\bkmkstart Stopintitulling}}}{\upr{\*\bkmkend Stopintitulling}{\*\ud\uc0{\*\bkmkend Stopintitulling}}}
\par }\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12873349 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid12873349\charrsid6240723 The Court\rquote s findings are: }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid12873349 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang3081\langfe1033\langnp3081\langfenp1033\insrsid14618042\charrsid14618042 \hich\af0\dbch\af0\loch\f0 [a]\tab}}\pard \ltrpar\qj \li720\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls6\ilvl1\adjustright\rin0\lin720\itap0\pararsid14618042 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid14618042\charrsid14618042 Mr Samuel\rquote 
s application for leave to withdraw from acting for Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid14618042\charrsid14618042 Brown}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\fs24\insrsid7933066 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid14618042\charrsid14618042  is granted.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang3081\langfe1033\langnp3081\langfenp1033\insrsid14618042\charrsid14618042 \hich\af0\dbch\af0\loch\f0 [b]\tab}Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid11299489  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid14618042\charrsid14618042 George\rquote s application for adjournment of all th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid7933066 ese matters from 19 March 2015 wa}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\fs24\insrsid14618042\charrsid14618042 s dismissed.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang3081\langfe1033\langnp3081\langfenp1033\insrsid14618042\charrsid14618042 \hich\af0\dbch\af0\loch\f0 [c]\tab}Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid11299489  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid14618042\charrsid14618042 Browne\rquote s application for special leave to appeal against the decisions of Doherty}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\fs24\insrsid14618042\charrsid14618042 J and Weston}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid14618042\charrsid14618042 
CJ is dismissed there being no general or public importance in the matter, the mag}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid4918278 nitude of the interest affected }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid14618042\charrsid14618042 
does not warrant special leave to appeal given the comprehensive nature of the Settlement Deeds and the interests of justice do not require lea}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid7933066 
ve or special leave to appeal. That dismissal also applies to any separate application for recall of either Judgment.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid14618042\charrsid14618042 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang3081\langfe1033\langnp3081\langfenp1033\insrsid14618042\charrsid14618042 \hich\af0\dbch\af0\loch\f0 [d]\tab}Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid11299489  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid14618042\charrsid14618042 Browne\rquote s application for stay of execution of the injunction, and the warrant of execution are both dismissed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid7933066 .}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\fs24\insrsid14618042\charrsid14618042 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang3081\langfe1033\langnp3081\langfenp1033\insrsid7933066 \hich\af0\dbch\af0\loch\f0 [e]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid7933066 Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid7933066 Browne\rquote s application for}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid14618042\charrsid14618042  extension}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\fs24\insrsid7933066 s of time to file her}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid14618042\charrsid14618042  notice}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid7933066 s of appeal are}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\fs24\insrsid14618042\charrsid14618042  likewise dismissed for the same reasons as above. 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang3081\langfe1033\langnp3081\langfenp1033\insrsid14618042\charrsid14618042 \hich\af0\dbch\af0\loch\f0 [f]\tab}Westpac\rquote 
s application for a writ of execution is granted but, in common with Doherty}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid14618042\charrsid14618042 J and Weston}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid14618042\charrsid14618042 CJ, the sealed order is}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid7933066  directed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\fs24\insrsid14618042\charrsid14618042  to lie in Court for fourteen days from delivery of this Judgment to enable Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\fs24\insrsid14618042\charrsid14618042 Browne to vacate the mortgaged property voluntarily.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \b\lang3081\langfe1033\langnp3081\langfenp1033\insrsid14618042\charrsid14618042 \hich\af0\dbch\af0\loch\f0 [g]\tab}The cost}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid7933066 s}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid14618042\charrsid14618042  of this application are reserved and counsel may file memoranda on the topic with that from Westpac to be filed within 21 days of delivery of this Judgment and that from Mrs}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid14618042\charrsid14618042 Browne within 28 days.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid14618042 
\par }\pard \ltrpar\qj \li0\ri0\sb300\sl360\slmult1\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid7367846 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid7367846\charrsid7367846 Introductory
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10708679 \hich\af0\dbch\af0\loch\f0 [1]\tab}}\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 
At the heart of this proceeding is a claim by the applicant, Westpac Banking Corporation, to gain possession of the property in which the respondent, Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid7933066 Browne, and her family live coupled with}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679  the desperate efforts by Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid10708679 Browne to retain th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7933066 e property.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10708679 \hich\af0\dbch\af0\loch\f0 [2]\tab}
Although, as will be seen, a number of other issues arise in this proceeding, it is convenient at the outset to note that there are two parcels of leasehold land involved in the case.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10708679 \hich\af0\dbch\af0\loch\f0 [3]\tab}The first is the 3213m}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\super\insrsid10708679 2}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679  parcel known as Te Koiti Raukura Section 6C3 Ngatangiia}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7933066  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7175643 Rarotonga }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid7933066 (\'93Section 6C3\'94)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 .  This is the land on which Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid10708679 Browne and her family live.  According to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7933066 the documents in the case, particularly }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 
her applications dated 30 October 2012 and 5 September 2013 to set aside orders made ex parte by Isaac}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 
J on 10 September 2012 granting leave to Westpac to enforce its mortgage over Section 6C3 and Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 Browne\rquote 
s application dated 1 August 2014 to stay execution of the order for possession of the land, the owners of Section }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7933066 6C3 are Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7933066 Browne\rquote s parents. T}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 hey lease}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7933066 d}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid10708679  the land}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7933066  and the lease was assigned}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679  to Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 Browne and her husband, Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 Lionel Browne, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid7933066 on 19 April 1990, i.e.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 
prior to the events with which these proceedings are concerned.  Pursuant to a loan agreement dated 8 November 2002 to which detailed reference will later be made, Mr and Mrs Browne mortgaged Section 6C3 to Westpac on 28 August 2003.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10708679 \hich\af0\dbch\af0\loch\f0 [4]\tab}On 16 September 2008 Westpac obtained an order to enforce its mortgage of Section 6C3 against Mrs}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 Browne and, presumably, Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid10708679 Browne\rquote s estate, he having died on 21 April 2007.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid7933066 \hich\af0\dbch\af0\loch\f0 [5]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7933066 However, by 6 August 2012 Mrs}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7933066 Browne had become}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 
 the sole lessee of Section 6C3, presumably obtaining that status by survivorship, and on that date she entered into a new lease of Section 6C3 for 60 years.  That lease was approved by the Leases Approval Tribunal (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid10708679 \'93LAT\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 ) on 2 July 2010 and, on 17 August 2011 Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid10708679 
Browne mortgaged Section 6C3 to Westpac pursuant to a Deed of Settlement entered into by those parties on 15 July 2011.  That is the mortgage pursuant to which Westpac is endeavouring to exercise its powers to obtain possession of Section 6C3. 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10708679 \hich\af0\dbch\af0\loch\f0 [6]\tab}Mrs Browne}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7933066  said that}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679  Section 6C3 was initially known as Manea Heights Villas but is now known as Te Mo}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7933066 a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 na Villas}
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7933066 . It comprises 3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679  three bedroom villas rentab}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7933066 le to tourists and the 2}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679  bedroom house that is her home.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10708679 \hich\af0\dbch\af0\loch\f0 [7]\tab}In the circumstances later described, as a result of Orders made by Doherty}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 J on 23 July 2014 and Weston}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 
CJ on 25 September 2014 there are in force Orders granting Westpac an injunction against Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 
Browne and her agents from interfering with Westpac\rquote s occupation an}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7175643 d possession of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 
 Section 6C3 and restraining her from entering on the land after the expiration of 14 days from the making of the former Order.  Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 
Browne\rquote s application to stay execution was dismissed by Weston}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 CJ on 25 September 2014.  Both Judges adjourned Westpac\rquote 
s application for a warrant of execution but reserved the right to Westpac to bring the matter on should the Orders made prove insufficient to enable Westpac to exercise its rights.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10708679 \hich\af0\dbch\af0\loch\f0 [8]\tab}The second parcel of land with which these proceedings are concer}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid7175643 ned is part Nukupure Section 3E}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679  Ngatangiia Rarotonga.  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7175643 (\'93Section 3E\'94)}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid10708679 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10708679 \hich\af0\dbch\af0\loch\f0 [9]\tab}Although differing nomenclature used i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid10708679\charrsid6240723 n t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 h}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679\charrsid6240723 e affidavits}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679  does }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7175643 not make the position clear}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679\charrsid6240723  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 Section }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid7175643 3E}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679  appears to be the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679\charrsid6240723 land on which the Manea Beach Villas are }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid10708679 erected.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10708679 \hich\af0\dbch\af0\loch\f0 [10]\tab}In terms of title, i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679\charrsid6240723 
n early 2012, Mrs Browne}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679  consulted a Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679\charrsid6240723 Clarke.  Mrs}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679\charrsid6240723 Browne is Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid10708679\charrsid6240723 Clarke\rquote s niece.  Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679\charrsid6240723 
Clarke is Executive Chairman of the Cook Islands Trading C}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 orporation Limited and is a well-respect}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679\charrsid6240723 ed businessman and}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679  a highly}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7175643 -}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 regard}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid10708679\charrsid6240723 ed and longstanding, though retired, barrister and solicitor of this Court.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679   
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10708679\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [11]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679\charrsid6240723 
Mr Clarke filed two affidavits in support of Mrs Browne\rquote s applicati}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7175643 on to this Court to set aside Isaac, J\rquote s Order of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid10708679\charrsid6240723  10 Sep}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7175643 tember 2012.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10708679 \hich\af0\dbch\af0\loch\f0 [12]\tab}Mr Clarke was at pains to make clear that Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 Browne does not and never has been on the title to Section 3E.  In that, he appears to be correct.  He put in evidence th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid7175643 e Register of Title for}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679  Section 3E}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs30\fs24\super\insrsid7175643 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s28\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs30\super\insrsid14762961 
\chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14762961  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid14762961 
Copies of the Register of Titles for Nukupure Section 3E and 3E2 were put in evidence. Naturally they varied, but what is said above as to ownership appears accurate for the purposes of this Judgment.}}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid10708679  which relevantly shows that on 7 August 2006 the owners leased 2236m}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\super\insrsid10708679 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 
 for 60 years as from 1 February 2006 to Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 Browne alone and that, on 1 September 2006 Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 
Browne assigned the whole of his interest in that lease to Tepaki 1 Holdings Limited following which unit titles were issued for parts of the land.  On 4 March 2014 by way of a Deed of Appointment of the Receivers and Managers to Tepaki 1 Holdings Limited
 dated 31 May 2010 the land was assigned to what would appear to have been the receivers}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7175643 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid7869190 \hich\af0\dbch\af0\loch\f0 [13]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7869190 T}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid10708679 he parties did not}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7869190  say where the two parcels lie in relation to one another.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 
  Though a plan of Section 6C3 was attached to the lease of 6 August 2010 and a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7175643 n affidavit of a Mr Tepaki}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7869190  attached}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid10708679  (but did not discuss) a plan of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid7175643 Manea Beach Bungalows and Villas}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679  covering the 2236m}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\super\insrsid10708679 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7175643  in}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 
 Section 3E, there was no obvious correlation between the two plans.  The plan of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5665205 Manea Beach Bungalows and Villas}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5665205  depict}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 ed }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5665205 7 numbered units and, on the other side of an area call}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 ed }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\fs24\insrsid10708679 \'93Water Edge\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679  a larger construction designated }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid10708679 \'93Residence\'94}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 .  
\par }\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5665205 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid5665205 Applications for Decision}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\fs24\insrsid5665205\charrsid5665205 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10708679 \hich\af0\dbch\af0\loch\f0 [14]\tab}}\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 This Judgment deals with Westpac\rquote s application for a wri}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid5665205 t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679  of execution and also deals with Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 Browne
\rquote s applications for special leave to appeal against the decisions of Doherty}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 J and Weston}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 CJ, a stay of execution of the injunction granting vacant possession and a further application for extension of time to file a notice of appeal out of time.}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \cs30\fs24\super\insrsid10708679 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s28\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10708679 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs30\super\insrsid14762961 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14762961  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid14762961 
Westpac also took the view that Mrs}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid11299489  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid14762961 Browne\rquote 
s applications included an application for recall of the Judgments, an application which, if separately brought, was opposed.  It is difficult to construe Mrs}{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid11299489  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid14762961 Browne\rquote s application as including a recall application and it requires no separate consideration in this Judgment.  }}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679   

\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10708679 \hich\af0\dbch\af0\loch\f0 [15]\tab}Also to be dealt with are an application by Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 Samuel, Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 Browne\rquote 
s counsel from late 2014, to withdraw and a further application by Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 George who appeared for Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 Browne at the hearing on 19 March 2015, for all matters to be adjourned to at least the next sessions of this Court.  
\par }\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5665205 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid5665205 Narrative}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\fs24\insrsid5665205\charrsid5665205 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10708679 \hich\af0\dbch\af0\loch\f0 [16]\tab}}\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 The issues for decision can either be dealt with briefly or at greater length.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid11744865 \hich\af0\dbch\af0\loch\f0 [17]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11744865 The brief approach would be}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679  to hold that Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 
Browne is bound by the terms of the two Deeds of Settlement she made with Westpac on 15 July 2011 and 29 November 2013 \endash  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5665205 especially the latter \endash  and}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid10708679  therefore: 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10708679 \hich\af0\dbch\af0\loch\f0 [a]\tab}}\pard \ltrpar\qj \li720\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls16\ilvl1\adjustright\rin0\lin720\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 That even if there is jurisdiction to grant Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 Browne special leave to appeal to the Court of Appeal against the Judgmen}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5665205 ts mentioned, her application should be}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679  dismissed; and 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10708679 \hich\af0\dbch\af0\loch\f0 [b]\tab}That Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid10708679 Samuel\rquote s application for leave to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5665205 withdraw from the proceedings should be}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679  granted; and 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10708679 \hich\af0\dbch\af0\loch\f0 [c]\tab}That Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid10708679 Browne\rquote s application to adjourn all matters betw}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5665205 een these parties to May 2015 was}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679  dismissed}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5665205  for the reasons set out hereafter}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 .  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10708679 \hich\af0\dbch\af0\loch\f0 [18]\tab}}\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 However, in light of the background complexities of the matters in is}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid5665205 sue between these parties, in de}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 ference to the many matters raised in the voluminous file and accepting that Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 Browne and her family may be required to leave their home as a result of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5665205  this decision, a somewhat fuller}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679  discussion of the issues is approp}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5665205 riate.  What follows}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679  is }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid5665205 not just}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679  based on }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5665205 the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 
material that was before Doherty}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 J and Weston}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid10708679 CJ wh}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5665205 en they made their decisions, but also incorporates material from}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 
 a helpful memorandum dated 12 February 2015 filed by Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 Samu}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5665205 
el as a result of his research, coupled with detailed consideration of the many affidavits, pleadings and submissions on the file.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 
\par }\pard \ltrpar\qj \li0\ri0\sb300\sl360\slmult1\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid10708679\charrsid5249938 2002-2011
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10708679 \hich\af0\dbch\af0\loch\f0 [19]\tab}}\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 On 8 November 2002 Westpac made a loan offer to Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 and Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 
Browne of $1,281,810 which consolidated an existing loan of $1,158,000 and advanced a further $750,000 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid10708679 \'93to assist with purchase of (5) pre-cut villas}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid10708679\charrsid5249938  to cost $600,000 and cost to construct them on your properties to cost $150,000}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid10708679 \'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 
.  The loan was to enable the construction of what became known as the Manea Beach Villas.  It was to be secured by existing first leaseh}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7869190 old mortgages over Section 3E}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid10708679  and part Taputapuatea Section 72D Avarua (which was a property owned by TJ Browne}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 
Limited).  The existing securities also included guarantees by Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 Browne and his two companies, Cook Islands Gas Centre Limited and TJ}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 
Browne Limited, plus a debenture over Cook Islands Gas Centre Limited.  In addition a new security was to be obtained by way of a first leasehold mor}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7869190 tgage over}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid10708679  Section 6C3 and guarantees by Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 Browne, TJ}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 Browne Limited and Cook Islands Gas Centre Limited plus Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 Brown}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid7869190 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10708679 .  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10755167\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [20]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723 
Mr Clarke put in evidence the R}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7869190 egister of Title for Section 3E. It}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723  refers to a lease dated 14 June 1983 to Mr}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723 Browne and a subsequent lease dated 7 August 2006 also to Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723 Browne.  The Register shows no owne}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7869190 rship interest in that lease}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid10755167\charrsid6240723  ever}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7869190  being}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723  held by Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723 Browne an}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7869190 d she, Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid7869190 Clarke said}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723 , in addition to having n}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7869190 o ownership interest in Section 3E}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid12979809  also had}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723  no ownership interest in}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7869190  either TJ Browne Limited or}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723  Cook Islands Gas Centre Limited.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid7869190 \hich\af0\dbch\af0\loch\f0 [21]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7869190 Mr Clarke wa}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723 s critical of the 8 November 2002 Westpac loan offer requiring Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723 
Browne to guarantee the loan and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7869190 mortgage Section 6C3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723 , noting the loan offer includes }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\fs24\insrsid10755167\charrsid6240723 \'93none\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723  in the section}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7869190  for nomination of the borrower}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7869190 \rquote }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723 
 firm of solicitors and the offer discounts Westpac\rquote s establishment fee by 25% }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid10755167\charrsid6240723 \'93in recognition of your continuing and valued support\'94}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid11744865 , a comment Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11744865 Clarke fou}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12979809 nd}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723  at odds with Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723 Browne having no ownership interest i}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11744865 n}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7869190  Section 3E}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723 .  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10755167\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [22]\tab}All that w}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12979809 
ould seem to be correct, but a partial}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723  explanation may be that, according to an affid}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12979809 avit sworn on 1 August 2014 by}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723  Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723 
Tepaki, the purchaser of Manea Beach Villas from Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723 Browne, Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723 Browne claims to have had no part }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12979809 in the transaction and is}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid10755167\charrsid6240723  unversed in business.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11744865  Mr Clarke expressed a similar view of her}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid11744865 commercial experience. By contrast, Judges of this Court who have dealt with her have described her as \'93someone who has intelligence and the ability to deal with matters of some complexity herself\'94}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10755167\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [23]\tab}That notwi}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12979809 thstanding, Mrs
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12979809 Browne, no doubt}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723  at her husband\rquote 
s request, signed the loan offer and the subsequent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12979809  securities.  As a counsel of perfection, it may }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723 
have been prudent for the Brow}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12979809 nes to seek}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723  independent legal advice }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid12979809 \endash  perhaps separately -}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723 concerning the loan, but that was a matter for them and authorities make clear an obligation to that}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid11744865  effect on prospective lenders}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723  only arises in unusual circumstances, such as known disability on the part of a borrower.  Here it is clear that Mr
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723 Browne at least had been a borrower from Westpac prior to the loan offer and there is nothing to suggest that Mrs}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723 Browne was under a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11744865  disability known to the lender.}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10755167\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [24]\tab}Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723 Samuel\rquote s memorandum commented on that situation explaining }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12979809 it }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid10755167\charrsid6240723 by saying that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid10755167\charrsid6240723 \'93Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid10755167\charrsid6240723 Browne was somewhat entrepreneurial\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10755167\charrsid6240723  and making the point that it was adverse to}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11744865  Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11744865 Browne\rquote s sole ownership of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4344577\charrsid6240723 
 Sect}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11744865 ion 6C3 after 6 August 2012}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4344577\charrsid6240723 
 that it became subject to the Westpac mortgage and that she additionally guaranteed the debt for what, on the face of it, was her husband\rquote s enterprise and the recipient of the increased loan.  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid10755167\charrsid6240723 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid12979809 \hich\af0\dbch\af0\loch\f0 [25]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12979809 Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12979809 Samuel\rquote s memorandum suggested}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4344577\charrsid6240723  that Westpac\rquote s requirement for Mrs}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4344577\charrsid6240723 Brown}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8395193 e\rquote s guarantee arose out of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4344577\charrsid6240723 mistake}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11744865  as to the ownership of Section 6C3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4344577\charrsid6240723 
 but that comment is arguably misplaced since the security requirements in the 8 N}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12979809 ovember 2002 loan offer }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11744865 
are addressed to both Mr and Mrs Browne, Section 6C3 was then leased by both and the terms of the loan offer }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12979809 appear}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8395193  to be}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid12979809  no more than}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4344577\charrsid6240723  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8395193 a bank\rquote s usual requirement}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid4344577\charrsid6240723  to ensure Westpac had adequate }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12979809 additional security for the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8395193 advance}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid4344577\charrsid6240723 .  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid4344577\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [26]\tab}By 2006 Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid4344577\charrsid6240723 
Browne had built the extra units utilising the increase in the loan funds but, most unfortunately, was found to be suffering from cancer.  He died on 21 April 2007 leaving a Will which, so it is said, made no provision for Mrs}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4344577\charrsid6240723 Browne.  The documents contain no explanation for what is said to be the form of Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4344577\charrsid6240723 Browne\rquote s Will but do not suggest Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4344577\charrsid6240723 
Browne challenged it in any way.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid4344577\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [27]\tab}}\pard \ltrpar\qj \li0\ri0\sb240\sa200\sl360\slmult1\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4344577\charrsid6240723 Mr Tepaki said that}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6956582 ,}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4344577\charrsid6240723  in September 2006}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6956582 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4344577\charrsid6240723  he }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid8797481\charrsid6240723 negotiated the purchase of the Manea Beach Villas from Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8797481\charrsid6240723 
Browne to redevelop}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6956582  the property and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8797481\charrsid6240723  and trial the unit titling process enabled by the passing}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid8395193  of the Unit Titles Act 2005.  Th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8797481\charrsid6240723 e price was $1,800,000 plus VAT (a total of $2,025,000}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8395193 )}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8797481\charrsid6240723  with what Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8797481\charrsid6240723 Tepaki describes as }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\fs24\insrsid8797481\charrsid6240723 \'93an \lquote as is\rquote  price of $1,200,000 to be settled on taking possession and redevelopment price settled when upgrading of the property for redevelopment purpose is achieved\'94.}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8797481\charrsid6240723   In his affidavit, Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8797481\charrsid6240723 Tepaki claims Westpac was }
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid8797481\charrsid6240723 \'93happy with this arrangement\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8395193  as the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid8395193 \'93as is\'94}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8797481\charrsid6240723  price of $1,200,000}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8395193  was}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8797481\charrsid6240723  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\fs24\insrsid8797481\charrsid6240723 \'93the full valuation held by the Bank for security purpose}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid6956582 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid8797481\charrsid6240723 \'94}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8797481\charrsid6240723 .  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8395193 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid8797481\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [28]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8797481\charrsid6240723 Mr}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8797481\charrsid6240723 Tepaki and associates then redeveloped the property with, Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8797481\charrsid6240723 Tepaki says, Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8797481\charrsid6240723 
Browne wanting to buy into the redevelopment }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid8797481\charrsid6240723 \'93so I allowed him to purchase Manea 8 on a deferred settlement basis}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid6956582 ,}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid8797481\charrsid6240723 \'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8797481\charrsid6240723  an ar}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8395193 rangement on which he elaborated}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8797481\charrsid6240723 .  It is unnecessary to detail that material}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6956582  \endash  and not all of it seemed to be on the file -}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid8797481\charrsid6240723 , but }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8395193 it }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8797481\charrsid6240723 was plainly a complex arrangement involving, Mr}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8797481\charrsid6240723 Tepaki alleges, access to his money engineered by another lawyer, Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8797481\charrsid6240723 Little, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid8797481\charrsid6240723 \'93in collusion with minority unit title holders\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid8797481\charrsid6240723  at Manea Beach Villas, the issuing of title to all purchasers in Manea Be}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8395193 ach Villas apart from Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8395193 Browne and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8797481\charrsid6240723  Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid8797481\charrsid6240723 Tepaki\rquote s belief }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid8797481\charrsid6240723 \'93from beneficiaries that the Court has handed over ownership of Manea 8 to the Estate\'94}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid8797481\charrsid6240723 .  He then said that: 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang3081\langfe1033\langnp3081\langfenp1033\insrsid8797481\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [a]\tab}}\pard \ltrpar\qj \li720\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls16\ilvl1\adjustright\rin0\lin720\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid8797481\charrsid6240723 \'93
On 20 February 2007 the sum of $100,810.89 was paid to extinguish the respondent\rquote s [Manea Heights Villas] debt as evident in the notation on her bank statement that states \lquote }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid8782451\charrsid6240723 PAY OF}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid9845294\charrsid6240723 F}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid8782451\charrsid6240723  LGT&J BROWN}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid6956582 E}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid8782451\charrsid6240723  (MANEA HEIGHTS)\rquote  leading her to believe her [Manea Heights Villas] property was debt free\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid8782451\charrsid6240723 . }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8797481\charrsid6240723 
\par }\pard \ltrpar\qj \li720\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8782451 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6956582 a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid8782451\charrsid6240723  statement he buttresses by reference to a Westpac bank statement in the name of Mr and Mrs Brown}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8395193 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid8782451\charrsid6240723  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid8782451\charrsid6240723 \'93T/A Manea Height\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8782451\charrsid6240723 
 showing a debit of that amount with that notation on that day.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid8782451\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [29]\tab}}\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8782451\charrsid6240723 On its face, Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8782451\charrsid6240723 Tepaki\rquote s assertion that Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8782451\charrsid6240723 
Browne thought the whole of her debt to Westpac on Manea Heights Villas was fully repaid on that date seems implausible: the recipient of the payment is noted as Mr and Mrs Browne when Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6956582 s}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8782451\charrsid6240723 Browne had no ownership interest }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8395193 in what Mr}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8395193 Tepaki calls Manea 8;}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8782451\charrsid6240723  the debit refers only to }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\fs24\insrsid8782451\charrsid6240723 \'93Manea Height\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8782451\charrsid6240723  in which both Mr and Mrs Browne are said to have an interest when Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8782451\charrsid6240723 Browne was}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6956582  not}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8782451\charrsid6240723  the sole pr
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6956582 oprietor of Manea Heights Villas/Section 6C3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8782451\charrsid6240723 
; and the amount of the payment would appear to have been far less than was owing by Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8782451\charrsid6240723 
Browne and his enterprises to Westpac as at that date.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid8782451\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [30]\tab}Mr Tepaki\rquote s evidence needs also to be seen alongside the fact that Mr}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8782451\charrsid6240723 George at this hearing produced a letter from the Police saying that Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8782451\charrsid6240723 Tepaki had lodged a complaint of fraud against Westpac in February 2015 and that the subsequent investigation was ongoing. }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid8395193 The letter does not state whether the subject matter of the complaint}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8782451\charrsid6240723  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8395193 
has anything to do with}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2245142  the issues raised in the paper}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8395193 s relating to this dispute}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6956582 
. Presumably it does, but the lack of detail in the letter means it is of no assistance in dealing with the issues in this case.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8782451\charrsid6240723 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid6956582 \hich\af0\dbch\af0\loch\f0 [31]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6956582 
It will be necessary to return to this issue, but the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13509859\charrsid6240723  appropriate conclusion on this aspect of the matter}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6956582 
 at this stage of the discussion would}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13509859\charrsid6240723  s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2245142 eem to be that Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2245142 Browne could have no}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13509859\charrsid6240723  basis to believe that the whol}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6956582 
e of her indebtedness on Section 6C3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13509859\charrsid6240723  was repaid in 2007. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6956582 
If she held that view it may well be because of the Housing Loan repayment at that juncture later referred to}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7171628 , although the sums do not seem to match}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid6956582 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13509859\charrsid6240723 
\par }\pard \ltrpar\qj \li0\ri0\sb300\sl360\slmult1\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14434906 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid13509859\charrsid6240723 15 July 2011
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13509859\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [32]\tab}}\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13509859\charrsid6240723 On 15 July 2011 Westpac and Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13509859\charrsid6240723 Browne entered into a Deed of Settlement in relation to a claim made by Westpac to recover the debt }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid2245142 (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13509859\charrsid6240723 or the balance of the debt}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2245142 )}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid13509859\charrsid6240723  secur}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7171628 ed by the mortgage over the lease of Section 6C3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13509859\charrsid6240723 .  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13509859\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [33]\tab}
If there were proceedings between the parties which preceded that debt, they were not in evidence in this claim but it is of interest to note the salient terms of the Deed of Settlement.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13509859\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [34]\tab}They include some of the recitals which, describing Mrs}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13509859\charrsid6240723 Browne as }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid13509859\charrsid6240723 \'93Janette\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid2245142 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13509859\charrsid6240723  read: 
\par }\pard \ltrpar\qj \fi-720\li1440\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid4355140 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid13509859\charrsid6240723 \'93}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid4355140\charrsid6240723 A\tab By way of a loan agreement dated 8 September 2006 Westpac advanced a loan to Janette and Lionel George Tamarua Browne (deceased) in the sum of $730,000.00 (\'93the loan agreement\'94). }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\fs24\insrsid13509859\charrsid6240723 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4355140\charrsid6240723 B\tab The loan was secured by a mortgage over the leasehold interest owned by Janette being all that parcel of land containing 3,213 m}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\super\insrsid4355140\charrsid6240723 2}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4355140\charrsid6240723 
 on the land known as Te Koiti Raukura Section 63C, Ngatangiia as delineated in a Deed of Assignment between William John Estall and Pati Estall and Lionel George Tamarua
 Browne and Janette dated 19 April 1990, which leasehold interest has now been superseded by a Deed of Lease between the landowners and Janette dated 6 August 2010 in the same area as the former leasehold interest (\'93the leasehold interest\'94). 
\par C\tab The loan was further secured by a guarantee provided by T.J. Browne Limited dated 20 August 2003 supported by a Third Party Deed of Mortgage (\'93the guarantee\'94). 
\par D\tab Janette defaulted on her obligations under the loan agreement.  
\par E\tab Westpac obtained orders from the High Court of the Cook Islands on 16 September 2008 granting leave to Westpac to enfor}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid6240723 ce it}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid4355140\charrsid6240723 \rquote s [sic] aforementioned mortgages.  
\par F\tab The entire loan was called up by way of Call Up Notices served on Janette and T.J. Browne Limited on 2 October 2008.  
\par G\tab T.J. Browne Limited were released from any further liability pursuant to the loan agreement and the guarantee by way of payment made by T.J. Browne Limited to Westpac which Westpac acknowledges as having been received.  
\par }\pard \ltrpar\qj \fi-720\li1440\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid4355140 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4355140\charrsid6240723 H\tab 
Settlement has been agreed in terms of the ongoing liability of Janette pursuant to the loan agreement upon the terms recorded in this Deed.\'94 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13509859\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [35]\tab}}\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13509859\charrsid6240723 The operative provisions of the Deed include: 
\par }\pard \ltrpar\qj \fi-720\li1440\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid4355140 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid2245142 \'931.\tab The parties to this De}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\fs24\insrsid13509859\charrsid6240723 ed agree that the amount to be paid by Janette to Westpac}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4355140\charrsid6240723 
 in full and final settlement of the debt owed by Janette to Westpac pursuant to the loan agreement is the sum of $550,000.00 (\'93the debt\'94).\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13509859\charrsid6240723  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid4355140\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [36]\tab}}\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4355140\charrsid6240723 
The remaining provisions of the Deed provide for the debt to be financed by Westpac lending Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4355140\charrsid6240723 
Browne $550,000 for twelve months \endash  though the loan fell due in terms of the Deed on 15 June 2012}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7171628 , not 15 July 2012}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4355140\charrsid6240723  
\endash  with the loan being secured by a new}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7171628  mortgage over Section 6C3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4355140\charrsid6240723 
 on usual banking terms.  The Deed said that, should Mrs Browne not meet the loan in full on due date }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4355140\charrsid6240723 \'93
Westpac will immediately commence formal legal action for recovery of the debt\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4355140\charrsid6240723  and bound Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid4355140\charrsid6240723 Browne}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7171628 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4355140\charrsid6240723  immediately after execution}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid7171628 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4355140\charrsid6240723  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4355140\charrsid6240723 \'93
to place on the market the leasehold section either as a single parcel or as subdivided sections for sale\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4355140\charrsid6240723  wit}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2245142 
h any proceeds being applied towards }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4355140\charrsid6240723 partial repayment of the debt.  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13509859\charrsid6240723 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid7171628 \hich\af0\dbch\af0\loch\f0 [37]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7171628 The Deed said}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid4355140\charrsid6240723  each party had received independent legal advice before executing the Dee}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2245142 d.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15688900  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2245142  Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2245142 Browne\rquote s signature was}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4355140\charrsid6240723  witnessed by her then solicitor, Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4355140\charrsid6240723 Little.  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid7171628 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid4550755 \hich\af0\dbch\af0\loch\f0 [38]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4550755 Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4550755 Clarke is highly critical of the terms of the 15 July 2011 Deed based on two Loan Agreements}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7171628 , both}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid4550755  dated 8 September 2006}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7171628 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4550755  h}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7171628 
e obtained during his research}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4550755 .  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2245142 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid4550755 \hich\af0\dbch\af0\loch\f0 [39]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4550755 
The first is a Term Loan Agreement addressed to both Mr and Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4550755 
Browne for $630,000 to be secured by all existing securities plus additional security comprising undertakings that the unit title over }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4550755 \'93
Manea Beach Manager Residence (8) will revert to Westpac upon registration of unit title\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid7171628 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4550755  plus guarantees from Tepaki Group as the }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4550755 \'93Unit Title purchase company\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4550755  to cover the debt and interest and to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4550755 \'93
cover net investment return of 8% supported by\'85 term deposit with sufficient funds to cover one year return assessed at $630,000 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid15688900 \'f7 8% = $50,400\'94.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid15688900   }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4550755 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid15688900 \hich\af0\dbch\af0\loch\f0 [40]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15688900 The }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid7171628 second agreement was a Housing L}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15688900 oan}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7171628 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15688900 
 again entered into by both Mr and Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15688900 Browne}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7171628 ,}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid15688900  for $100,000 with the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7171628 security being existing securities}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15688900 
 and banking accommodation.  The term was to be 15 years.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid15688900 \hich\af0\dbch\af0\loch\f0 [41]\tab}Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid15688900 Clarke is therefore critical of the 15 July 2011 Deed referring in Recital A to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid15688900 \'93a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid7171628 \'94}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid7171628  loan}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15688900  to Mr and Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15688900 
Browne of $730,000, particularly when evidence he obtained during his research from Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15688900 Little}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid7171628 , then}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15688900  acting for Westpac}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7171628 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15688900 
 was that the $100,000 housing loan was fully paid off on 20 February 2007 from the Manea Heights cheque account.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid15688900 \hich\af0\dbch\af0\loch\f0 [42]\tab}Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid15688900 Clarke said the $630,000 term loan was to fund Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15688900 Browne\rquote s purchase of unit 8 at Mane}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid10703360 a Beach, a property in which Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10703360 Browne was never}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid7171628  to have any ownership interest so }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10703360 he}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9531987  said she}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10703360 
 obtained no direct benefit from the borrowing.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9531987   He went on to say that the dealings with regard to unit 8 Manea Beach have become complicated and difficult}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid7171628 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9531987  with delays in resolving the issues}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7171628 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9531987 
 but he had been informed that the title to unit 8 has now been transferred with the transferee mortg}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7171628 aging the property to Westpac. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15688900 

\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid7171628 \hich\af0\dbch\af0\loch\f0 [43]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7171628 
Why the Term Loan agreement described the additional security for the loan as it did remains unexplained, and Mr Clarke\rquote s evidence on this aspect of the matter contrasts with that of Mr Tepaki}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid10583250 
 and what would seem to be his ongoing dispute concerning Manea 8, but, as far as Mrs Browne and Section 6C3 are concerned, there seems no doubt that the Housing Loan has been fully repaid and that her indebtedness to Westpac may have been reduced by the 
payment.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7171628 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10583250 \hich\af0\dbch\af0\loch\f0 [44]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10583250 Mr Clarke made}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid9531987  the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10583250  futher}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9531987 
 point that Recital G of the 15 July 2011 Deed records the release of TJ Browne Limited from its guarantee by way of a payment \endash  which Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid9531987 Clarke understood was of $200,000 \endash  to Westpac.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid9531987 \hich\af0\dbch\af0\loch\f0 [45]\tab}Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid9531987 Clarke\rquote s criticisms of the wording of the 15 July 2011 Deed are clearly justified, but their impact on the issues for decision in this Judgment is less clear since, throughout these proceedi}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid10583250 ngs, Westpac, beyond saying}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9531987  Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9531987 Browne has b}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid10583250 reached the Deeds of Settlement -}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9531987  especially that of 29 Novembe}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10583250 r 2013 \endash }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid9531987  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10583250 by not paying the agreed sums }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9531987 does not appear to have detailed what sum it says Mrs}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9531987 
Browne still owes her.  No doubt, as part of the conclusion of all matters outstanding between these parties, a statement of account by Westpac might justifiably be required, but that will be of little comfort to Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9531987 Browne and her family should they have lost their home in the meantime.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid4355140\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [46]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4355140\charrsid6240723 
The only other point which warrants making at this stage in relation to the 15 July 2011}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2245142  (and, later, 29 November 2013)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4355140\charrsid6240723 
 Deed is that, as set out in the Recitals, it was preceded by an Order made}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2245142 , ex parte,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4355140\charrsid6240723  by this Court on 16 }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid2245142 September 2008}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4355140\charrsid6240723  giving Westpac leave to enforce its security against Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4355140\charrsid6240723 Browne. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5968918\charrsid6240723  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4355140\charrsid6240723 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid5968918\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [47]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5968918\charrsid6240723 
Such leave is required by section 646 of the Cook Islands Act 1915 which says that: 
\par }\pard \ltrpar\qj \li720\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid5968918 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5968918\charrsid6240723 \'93
No security given by a native over any property shall be enforceable, whether by the exercise of a power of sale or otherwise, without the leave of the High Court.\'94  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid5968918\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [48]\tab}}\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5968918\charrsid6240723 
A practice has grown up for security holders to apply ex parte to this Court under section 646 for leave to enforce their security.  Applying ex parte may not have been under challenge in 2008 but, as will be seen, the practice was challenged later in pro
ceedings between these parties and may require revisiting }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8857208\charrsid6240723 given that R68(8) of the Code of Civil Procedure only entitles the making of ex parte applications if delay by pro}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10583250 ceeding on notice might entail }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8857208\charrsid6240723  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10583250 ir}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid8857208\charrsid6240723 reparable injury}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10583250 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8857208\charrsid6240723  the party in respect of whom the 
orders sought cannot be found \endash  neither which applies in this instance \endash  or that the application }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid8857208\charrsid6240723 \'93
affects the party moving only or is in respect of a matter of routine or is of so unimportant the nature that the interests of any other party\'85 cannot be affect}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid10583250 ed}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\fs24\insrsid8857208\charrsid6240723  thereby.\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8857208\charrsid6240723   While it must be accepted that property owners against whom enforcement }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid2245142 is sought }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8857208\charrsid6240723 of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2245142  the securities they have given have}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid8857208\charrsid6240723  the right}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10583250 , later,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8857208\charrsid6240723  to contest the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid2245142 substantive }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8857208\charrsid6240723 proceedings}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2245142  in order}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid8857208\charrsid6240723  to protect}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2245142  their position, it may}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8857208\charrsid6240723  be the case that ap
plying for leave under section 646 ex parte should no}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2245142 t be }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10583250 course adopted routinely as it}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid2245142  arguably fall}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10583250 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2245142  outside Rule 68(8).}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5968918\charrsid6240723 
\par }\pard \ltrpar\qj \li0\ri0\sb300\sl360\slmult1\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14434906 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid9769261\charrsid6240723 15 July 2011-29 November 2013
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid9769261\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [49]\tab}}\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9769261\charrsid6240723 The file for this }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2245142 
hearing do}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15613061 e}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2245142 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9769261\charrsid6240723  not disclose what efforts }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid10583250 Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10583250 Browne made to sell Section 6C3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid9769261\charrsid6240723  pursuant to}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2245142  the Deed of 15 July 2011 but }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10583250 at}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid9769261\charrsid6240723  all events it is clear she si}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10583250 gned a new mortgage over Section 6C3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9769261\charrsid6240723 
 on 17 August 2011 pursuant to a new}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723  60 year}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9769261\charrsid6240723  lease of that}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid10583250  land dated 6 August 2010. That}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9769261\charrsid6240723  lease was approved }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10583250 by the LAT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid2245142  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9769261\charrsid6240723 on 2 July 2010}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723 .  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid9769261\charrsid6240723 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid15884914\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [50]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723 It }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2245142 also }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723 appears clear that Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid15884914\charrsid6240723 Browne did not fully comply with the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2245142 other provisions of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723 
Settlement Deed of 15 July 2011}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10583250 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723  and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10583250 ,}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723  on 10 September 2012}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10583250 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723  leave was granted \endash 
 again on an ex parte basis \endash  for Westpac to enfor}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10583250 ce its security against her}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723 .  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid15884914\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [51]\tab}By that stage Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723 Arnold}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10583250 , an experienced lawyer,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723 
 was acting for Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723 Browne and on 30 October 2012 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10583250 he }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723 applied to set aside the ex parte order on the grounds it did not meet the criteria in R68(8).  The application relied on Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723 Clarke\rquote s affidavit sworn on 3 October 2012.  That affidavit, after asserting that Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723 Little\rquote s witnessing of Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723 Browne\rquote 
s signature to the 15 July 2011 Deed did not amount to independent legal advice, asserted there were}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10583250  the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723  two loans}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12453775  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid2245142 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723  not one as the Deed said}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid2245142 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723  and they were for $630,000 and $100,000.  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12453775 As earlier mentioned, }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723 Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723 Clarke}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12453775 
 exhibited the Term L}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723 oan agreemen}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12453775 t for the $630,000 advance and the Housing L}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid15884914\charrsid6240723 o}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12453775 an agreement for $100,000, and he was able to prove the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723 
 $100,000 loan had been repaid in full on 20 February 2007, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12453775 by reference to his }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723 receipt}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid11092976 , in 2012,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723  of information from}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12453775  Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12453775 Little,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723  then acting for Westpac.  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12453775 
In dealing with this aspect of the matter in the way set out above, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723 Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid15884914\charrsid6240723 Clarke}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12453775 
 stressed that Westpac had obtained a considerable advantage from the transaction, but Mrs Browne had not only jeopardised her interest in her home on Browne family land, she had derived no benefit from the security rearrangement. }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid13893765\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [52]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13893765\charrsid6240723 
Mr Clarke elaborated on the documents he had obtained from Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13893765\charrsid6240723 Little which supported the state}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid11092976 ments in his first affidavit in a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13893765\charrsid6240723  second affidavit}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11092976  sworn on 27 November 2012. T}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13893765\charrsid6240723 hat resulted in an amended application to set aside}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11092976  the ex parte order}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid13893765\charrsid6240723  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12453775 being }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13893765\charrsid6240723 filed on 5 September 2013.  The amended ap}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid12453775 plication,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13893765\charrsid6240723  relying on the documents exhibited by Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid13893765\charrsid6240723 Clarke, asserted Westpac w}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11092976 as negligent or failed in its }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13893765\charrsid6240723 
duty of care or its fiduciary obligations to Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13893765\charrsid6240723 
Browne in relation to the loan described in the 15 July 2011 Deed.  It also asserted the $630,000 was drawn down despite the required mortgage of Unit Title to Unit 8 not being issued with the funds being paid to Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13893765\charrsid6240723 P}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11092976 etero\rquote s }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13893765\charrsid6240723 trust }
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11092976 account and released to the Tep}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid13893765\charrsid6240723 
aki Group which then went into receivership without making good on its obligation to give clear Unit Title to Unit 8.  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4552067\charrsid6240723 
The amended application also attacked the circumstances in which Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4552067\charrsid6240723 Browne guaranteed the Westpac loans.  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid15884914\charrsid6240723 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid4552067\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [53]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4552067\charrsid6240723 
Westpac contested the application to set aside the order granting leave to enforce their security.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid4552067\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [54]\tab}
That led to the parties agreeing, following a judicial settlement conference conducted by Grice}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4552067\charrsid6240723 J}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid11092976 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4552067\charrsid6240723  to a consent order}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12453775 , made on 3 December 2013,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4552067\charrsid6240723  striking out Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4552067\charrsid6240723 Browne\rquote 
s application to set aside the mortgage enforcement order and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12453775  expressly }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4552067\charrsid6240723  providing for that order to remain in force.  

\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid4552067\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [55]\tab}
The parties also, this time on 29 November 2013, entered into a second Deed of Settlement.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid4552067\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [56]\tab}The Recitals include the following: }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4552067 
\par }\pard \ltrpar\qj \fi-720\li1440\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid9266658 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid9266658\charrsid6240723 \'931.3\tab }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\i\fs24\insrsid9266658\charrsid6240723 Debt}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid9266658\charrsid6240723 
 means various advances, interest and costs, together in excess of $950,000 as at the date of this deed, made by Westpac to the Borrower. 
\par 1.4\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\fs24\insrsid9266658\charrsid6240723 Dispute}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid9266658\charrsid6240723 
 means the application in the Proceeding to set aside the Order and all related matters at issue between the Borrower and Westpac.  
\par 1.5\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\fs24\insrsid9266658\charrsid6240723 Loan}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid9266658\charrsid6240723 
 means the loan for $630,000 made by Westpac to Lionel Browne (Deceased) and the Borrower recorded in an agreement dated 7 September 2006 and signed on 8 September 2006. 
\par 1.6\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\fs24\insrsid9266658\charrsid6240723 Manea Heights}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid9266658\charrsid6240723 
 means the leasehold interest in all that Parcel of Land containing three thousand two hundred and thirteen square metres being part of the land named by the High Court (Land Division) Te Koiti Raukura Section 6C3, Ngatangiia, including the residence and 
the three villas located on the property. 
\par 1.7\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\fs24\insrsid9266658\charrsid6240723 Mortgage}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid9266658\charrsid6240723 
 means the mortgage dated 17 August 2011 over the property of the Borrower known as Manea Heights in favour of Westpac. 
\par 1.8\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\fs24\insrsid9266658\charrsid6240723 Order}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid9266658\charrsid6240723  means the Order dated 10 September 2012 in the Proceeding 
granting leave to enforce the Mortgage.  
\par 1.9\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\fs24\insrsid9266658\charrsid6240723 Proceeding}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid9266658\charrsid6240723 
 means the matter of Westpac v Browne, Land Application No 388/2012 in the High Court of the Cook Islands. 
\par 1.10\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\fs24\insrsid9266658\charrsid6240723 Settlement Sum}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid9266658\charrsid6240723  means the amount of $630,000. 
\par 1.11\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\fs24\insrsid9266658\charrsid6240723 Settlement Date}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid9266658\charrsid6240723  means 30 May 2014.\'94 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid9266658\charrsid6240723  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid4552067\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [57]\tab}}\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4552067\charrsid6240723 The operative part of the Deed bound Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4552067\charrsid6240723 Browne to pay the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4552067\charrsid6240723 \'93Settlement Sum\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4552067\charrsid6240723  to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6240723\charrsid6240723 Westpac}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4552067\charrsid6240723  on or before }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid4552067\charrsid6240723 \'93Settlement Date\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4552067\charrsid6240723  and bound Westpac to accept that sum in full and final settlement of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid4552067\charrsid6240723 \'93Debt\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4552067\charrsid6240723  and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4552067\charrsid6240723 \'93Mortgage\'94}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid4552067\charrsid6240723 .  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid4552067\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [58]\tab}It also bound Westpac not to act on the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid4552067\charrsid6240723 \'93Order\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12453775  of Grice}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12453775 
J until 31 May 2013 and relevantly continued:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4552067 
\par }\pard \ltrpar\qj \li720\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid11409066 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid9266658 \'934.\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\fs24\insrsid9266658 Release}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid9266658 
\par }\pard \ltrpar\qj \fi-720\li2160\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid11409066 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid9266658 4.1\tab 
Upon entering into this deed, but subject to 4.2, the Borrower releases Westpac from all Claims which the Borrower has, had or may have in the future against Westpac in respect of or arising in whole or in part, either directly or indirectly out of or
 in relation to: 
\par }\pard \ltrpar\qj \fi-720\li2880\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2880\itap0\pararsid11409066 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid9266658 (a)\tab the Proceedings;
\par (b)\tab the Debt;
\par (c)\tab the Mortgage; and
\par (d)\tab the Dispute.
\par }\pard \ltrpar\qj \fi-720\li2160\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid11409066 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid9266658 4.2\tab 
Upon receipt of the Settlement Sum in accordance with clause 2 Westpac agrees to: 
\par }\pard \ltrpar\qj \fi-720\li2880\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2880\itap0\pararsid11409066 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid9266658 (a)\tab discharge the Mortgage; 
\par (b)\tab discharge all other securities held regarding the Debt; and
\par (c)\tab assign its rights in the Loan to the Borrower. 
\par }\pard \ltrpar\qj \fi-720\li1440\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid11409066 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid9266658 5.\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\fs24\insrsid9266658 Income from Manea Heights}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid9266658 
\par }\pard \ltrpar\qj \fi-720\li2160\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid11409066 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid6180136 5.1\tab 
Until payment of the Settlement Sum, the Borrower will pay the net income received from the management of Manea Heights to Westpac.  
\par 5.2\tab The net proceeds shall be after allowance for a reasonable wage for the Borrower.
\par 5.3\tab Any payments made by the Borrower pursuant to clause 5.1 shall be credited by Westpac in reduction of the Settlement Sum. 
\par }\pard \ltrpar\qj \fi-720\li1440\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid11409066 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid6180136 6.\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\fs24\insrsid6180136 Proceeds from the sale of Areara 12A}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid6180136 
\par }\pard \ltrpar\qj \fi-720\li2160\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid11409066 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid6180136 6.1\tab 
The Borrower irrevocably instructs and authorises Charles Little or any other solicitor acting for the Borrower or the Bank of Cook Islands to pay the net proceeds of the sale of Areara 12A to Westpac.  
\par 6.2\tab The net proceeds of the sale shall be the sum remaining after the payment of the amount secured by the mortgage to Bank of Cook Islands and the legal costs and disbursements of the sale.  
\par 6.3\tab Any payments made by the Borrower pursuant to this clause shall be credited by Westpac in reduction of the Settlement Sum.  
\par }\pard \ltrpar\qj \fi-720\li1440\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid11409066 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid6180136 7.\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\fs24\insrsid6180136 Default}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid6180136 
\par }\pard \ltrpar\qj \fi-720\li2160\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid11409066 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid6180136 7.1\tab If the Borrower does not to
 pay the Settlement Sum by the Settlement Date pursuant to clause 2, the Borrower will be in default and the Borrower agrees: 
\par }\pard \ltrpar\qj \fi-720\li2880\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2880\itap0\pararsid11409066 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid6180136 (a)\tab 
that Westpac may immediately take all necessary action to obtain payment of the Debt, including but not limited to enforcement of the Mortgage and any other security held by Westpac, and not be limited to the amount of the Settlement Sum. 
\par (b)\tab to immediately vacate and deliver vacant possession to Westpac of all of the villas and residence at Manea Heights. 
\par (c)\tab not raise or publicize any objection or impediment, whether by application to any Court or otherwise, to Westpac taking possession and exercising its power of sale under the Mortgage and to cooperate with Westpac in all respects.  
\par (d)\tab not to make any Claim against Westpac for or in any way arising out of any management of Manea Heights following the delivery of vacant possession to Westpac.  
\par }\pard \ltrpar\qj \fi-720\li2160\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid11409066 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid6180136 7.2\tab 
For the avoidance of doubt the provisions of this deed are intended to supplement and not to vary the rights and obligations of Westpac pursuant to the Mortgage that occur upon the default of the Borrower under the Mortgage.  
\par }\pard \ltrpar\qj \fi-720\li1440\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid11409066 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid6180136 8.\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\fs24\insrsid6180136 Warranties and Representations}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid6180136 
\par }\pard \ltrpar\qj \fi-720\li2160\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid11409066 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid6180136 8.1\tab The Borrower warrants that: 
\par }\pard \ltrpar\qj \fi-720\li2880\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2880\itap0\pararsid11409066 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid6180136 (a)\tab 
she has taken independent legal advice as to the nature, effect and extent of this deed; and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid11409066  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid6180136 
\par }\pard \ltrpar\qj \fi-720\li1440\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1440\itap0\pararsid11409066 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid11409066 11.\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\i\fs24\insrsid11409066 Bar to Proceedings}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid11409066 
\par }\pard \ltrpar\qj \fi-720\li2160\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid11409066 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid11409066 11.1\tab 
Westpac may plead this deed as a bar to any claims instituted by the Borrower, or anyone related to her or connected with her in respect of any matter whatsoever referred to in this deed. 
\par 11.2\tab The Borrower agrees to in
demnify Westpac fully in respect of any costs (including costs incurred on an indemnity basis), charges, expenses, loss (including consequential loss), damages or any other detriment whatsoever arising as a result of the Borrower, or anyone related to the
 Borrower making any claim or instituting any proceedings in respect of any matter whatsoever referred to in this deed (save for proceedings for any breach of this deed by Westpac). 
\par 13.5\tab }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\i\fs24\insrsid11409066 Reliance on own information}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid11409066 
\par }\pard \ltrpar\qj \li2160\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin2160\itap0\pararsid11409066 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid11409066 The parties acknowledge that they enter i
nto this deed fully and voluntarily upon their own information, investigation and legal advice.  Each party to this deed acknowledges that it is aware that it or its advisers, agents or lawyers may discover facts different from or in addition to the facts
 that they now know or believe to be true with respect to the subject matter of this deed, but that it is their intention to, and they do, fully, finally, absolutely and forever settle all claims, actions and causes of action which may now exist, or may e
ver exist or may ever have existed in relation to the matters the subject of this deed on the terms set out in this deed.\'94 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid11409066\charrsid11409066 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid6246964 \hich\af0\dbch\af0\loch\f0 [59]\tab}}\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6246964 Those citations show}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10974565\charrsid6240723 
 that this was an unusuall}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6246964 y comprehensive Settlement Deed. Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6246964 Browne\rquote 
s signature to it}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10974565\charrsid6240723  was witnessed by Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5794533 
Mason, by then acting for her and also an experienced solicitor.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4552067\charrsid6240723 
\par }\pard \ltrpar\qj \li0\ri0\sb300\sl360\slmult1\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14434906 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid10974565\charrsid6240723 29 November 2013-23 July 2014}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid5794533\charrsid5794533 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10974565\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [60]\tab}}\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10974565\charrsid6240723 Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid10974565\charrsid6240723 Browne did not comply with the terms of the 29 November 2013 Deed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6246964 . O}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid10974565\charrsid6240723 
n 27 June 2014 Westpac applied for a warrant of execution plus an order for vacant possession in anticipation of execution being granted.  This was coupled with an application for a permanent injunction to restrain Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10974565\charrsid6240723 Browne or her agents from interferin}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6246964 g with Westpac\rquote s exercise of any}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid10974565\charrsid6240723  orders}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6246964  it obtained}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10974565\charrsid6240723 .  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10974565\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [61]\tab}The applications were opposed by Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10974565\charrsid6240723 Browne}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5794533 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10974565\charrsid6240723 
 acting on this occasion through a Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10974565\charrsid6240723 Brown who is appar}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5794533 
ently a qualified lawyer but one}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10974565\charrsid6240723  without}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5794533  a practis}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid10974565\charrsid6240723 ing certificate.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10974565\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [62]\tab}On 18 July 2014 Doherty}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10974565\charrsid6240723 J}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5794533  first}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6246964  dealt with the matter by way of}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid10974565\charrsid6240723  a Minute.  After briefly recounting the history of the d}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5794533 ispute between these parties t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid10974565\charrsid6240723 he Judge said he had questioned Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10974565\charrsid6240723 Browne as to her defence but that she had }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid10974565\charrsid6240723 \'93been unable to articulate any defence to me and I think that her position is really that she is seeking the compassion of the Court not to force her off family lands\'94}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10974565\charrsid6240723 .  The Judge allowed Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10974565\charrsid6240723 
Browne until 23 July 2014 to obtain proper legal representation and to file a notice of opposition to Westpac\rquote s applications.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10974565\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [63]\tab}On 22 July 2014 Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10974565\charrsid6240723 Browne filed two lengthy documents setting out the grounds of her opposition}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5794533 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid10974565\charrsid6240723  drawing heavily on the background to the matter as summarised in this Judgment}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5794533 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10974565\charrsid6240723 
 and adding further detail. 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid10974565\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [64]\tab}All of that was, however, unavailing}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid5794533 . O}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10974565\charrsid6240723 n 23 July 2014 Doherty}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid10974565\charrsid6240723 J}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6246964  again}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10974565\charrsid6240723  briefly recounted the history of the matter noting}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \cs30\fs24\super\insrsid7304232\charrsid6240723 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s28\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs30\super\insrsid14762961 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14762961  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid14762961 
Paragraph [5]}}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7304232\charrsid6240723  that the 29 November 2013 Deed delay in payment to 30 May 2014 was to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid7304232\charrsid6240723 \'93
enable about a six month period the respondent to market and sell Manea Heights\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7304232\charrsid6240723 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5794533 [sic]}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid7304232\charrsid6240723   
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid7304232\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [65]\tab}After recounting relevant paragraphs of the 29 November 2013 Deed and Mrs}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7304232\charrsid6240723 Browne\rquote s submission of a document}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\cs30\fs24\super\insrsid7304232\charrsid6240723 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s28\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs30\super\insrsid14762961 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14762961  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid14762961 
Paragraph [15] }}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7304232\charrsid6240723  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid7304232\charrsid6240723 \'93
which purports to the evidence of payment of an additional $225,000 which has not been accounted for in the statement of her accounts\'85
 this appears have been the first time that this has ever been raised.  It is dated the 20 February 2007 but has never been raised as part of the settlement in 2011 or the settlement in 2013.\'94 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid5794533 [sic].}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7304232\charrsid6240723  The Judge recorded}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12396425\charrsid6240723 : }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid10974565\charrsid6240723 
\par }\pard \ltrpar\qj \li720\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid12396425 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid12396425\charrsid6240723 \'93[13]\tab 
I have some sympathy for the Respondent.  It is clear that this property is important to her and her family.  It is all that she has in one sense and she has been fighting for years \'93tooth and nail\'94
 to hold on to it.  And she told me that in submission today, that that is her ultimate aim.  She has tried to raise monies to hold onto it.  She had hoped that the Applicant would be more sympathetic to he
r.  But the Applicant has run out of patience, it wants its money. 
\par [19]\tab In effect, what the Respondent has done is ask this Court for mercy to enable her to gain more time to refinance or sell or a combination of the two.  I find it difficult to accept that the matters that she now raises have only just become ap}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid11409066 parent.
\par [21}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid10884493 ]}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid11409066 \tab 
She impressed me as someone who has intelligence and the ability to deal with matters of some complexity herself, but I think that what she has been attempting to do here is to fight the rear guard action as best she can but with no ammunition.\'94}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid12396425\charrsid6240723   }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid12396425 
\par }\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12396425 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15613061 b}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid12396425\charrsid6240723 efore granting Westpac\rquote s application}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5794533 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12396425\charrsid6240723  for a permanent injuncti}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid5794533 on and for vacant possession. He}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12396425\charrsid6240723  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5794533 declined the application for a}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid12396425\charrsid6240723  warrant for execution }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6246964 to issue at that stage }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12396425\charrsid6240723 and gave Mrs}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12396425\charrsid6240723 Browne fourteen days to vacate, the Judge observing that}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\cs30\fs24\super\insrsid12396425\charrsid6240723 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s28\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs30\super\insrsid14762961 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14762961  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid14762961 
Paragraph [24]}}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12396425\charrsid6240723  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid12396425\charrsid6240723 \'93}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid11099429\charrsid6240723 
Should that not happen then the Applicant should have the opportunity to bring on the application for warrant for execution on three day\rquote s notice.\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5794533   He}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723  adjourned the matter to the September 2014 sessions.  
\par }\pard \ltrpar\qj \li0\ri0\sb300\sl360\slmult1\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14434906 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid11099429\charrsid6240723 23 July 2014-25 September 2014}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid5794533\charrsid5794533 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid11099429\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [66]\tab}}\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723 On 1 August 2014 Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489 
 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723 Browne applied for a stay of execution of the Or}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5794533 ders made by Doherty}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5794533 J}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6246964 . Her application was}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5794533  support}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723 ed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5794533  by}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723  Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723 Tepaki\rquote s affidavit earlier mentioned and a lengthy memorandum from Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11099429\charrsid6240723 Brown.  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8857208\charrsid6240723 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid11099429\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [67]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723 
The application for stay came }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6246964 on }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723 before Weston}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723 CJ on 25 September 2014 and the Chief Justice, after again briefly recounting the tangled history of the matter held}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\cs30\fs24\super\insrsid11099429\charrsid6240723 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s28\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs30\super\insrsid14762961 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14762961  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid14762961 
Paragraph [8] }}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723  that he needed only to go back to the 29 November 2013 Settlement Deed }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5794533 (}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723 though he noted that he had read the proceedings in 388/2012 and most of the issues referred to by Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11099429\charrsid6240723 Clarke were}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs30\fs24\super\insrsid11099429\charrsid6240723 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s28\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs30\super\insrsid14762961 
\chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14762961  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid14762961 Paragraph [9] }}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\fs24\insrsid11099429\charrsid6240723 \'93in play in that proceeding\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8478528 )}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6246964 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid8478528  He held}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723  that the issues }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid11099429\charrsid6240723 \'93have merged into the settlement deed of November 2013
\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8478528 , and, in the end,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723  concluded that, while sympathetic to Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489 
 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723 Browne\rquote s position}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8478528 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs30\fs24\super\insrsid11099429\charrsid6240723 \chftn 
{\footnote \ltrpar \pard\plain \ltrpar\s28\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \cs30\super\insrsid14762961 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14762961  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid14762961 Paragraph [13] }}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11099429\charrsid6240723  he was unable to find any possible basis to set}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8478528  aside Doherty}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid8478528 J\rquote s Judgment. Accordingly, he }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723 rejected the app}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8478528 lication for stay.  In a Minute}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723  issued that day concerning the warrant for execution, the Chief Justice declined to make the Order sought by the Bank but allowed Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723 Browne fourteen days to vacate the property voluntarily saying that if she failed the application could be brought }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6246964 
on and dealt with, if necessary}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723  by telephone conference. 
\par }\pard \ltrpar\qj \li0\ri0\sb300\sl360\slmult1\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14434906 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid11099429\charrsid6240723 25 September 2014-present}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\fs24\insrsid11099429 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid8478528 Narrative}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid8478528\charrsid8478528 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid11099429\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [68]\tab}}\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723 Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723 Browne did not vacate and on 23 October 2014 Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723 
Matysik applied for the warrant for execution to be dealt with by way of telephone conference.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid11099429\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [69]\tab}On 8 October 2014 Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723 Browne filed notice}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6246964 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723 
 of an appeal against both Doherty}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723 J\rquote s and Weston CJ\rquote s decisions. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid6246964  The notices}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723  were out of time and, as the Chief Justice noted in a Minute issued on 16 December 2014, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid6246964 in any event }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723 the filing of an app}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8478528 eal does not either stay or}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11099429\charrsid6240723  affect the status of decisions of this Court.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid11099429\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [70]\tab}By 16 December 2014 it appeared that Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723 Samuel had been instructed to act for Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11099429\charrsid6240723 Br}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6246964 owne but the instructions ca}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723 me so late he was unable to argue the matter}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6246964  that day}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723 .  The Chief Justice accordingly directed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8478528 ,}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid815266\charrsid6240723 fol}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8478528 lowing a telephone conference on}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid815266\charrsid6240723  13 February 2015}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8478528 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10884493  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8478528 
that the application for the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11099429\charrsid6240723 
 warrant of execution be determined in the March 2015 sitting of the Court and made timetable orders for the filing of notices of opposition and affidavits.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid815266\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [71]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid815266\charrsid6240723 
On 26 February 2015 Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid815266\charrsid6240723 Browne, acting through Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid815266\charrsid6240723 Samuel, filed an application }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8478528 f}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid815266\charrsid6240723 
or special leave to appeal to the Court of Appeal against Doherty}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid815266\charrsid6240723 J and Weston}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid815266\charrsid6240723 CJ\rquote s decisions}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8478528 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid815266\charrsid6240723 
 seeking a stay of execution as well}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6246964 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid815266\charrsid6240723 
 plus an extension of time to file her notices of appeal.  The detailed grounds on which Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid815266\charrsid6240723 
Browne relied included many of the issues recounted earlier in this Judgment but added allegations of negligence against Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid815266\charrsid6240723 Little for surrendering her jointly}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8478528 -}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid815266\charrsid6240723 
held lease and obtaining a lease in her sole name in 2010 and failing in the 15 July 2011 Deed to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid815266\charrsid6240723 \'93
carry over the original co-guarantors of the original debt to this new advance by having the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid8478528 m sign}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid815266\charrsid6240723 
 the new Deed of Settlement and mortgage\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid815266\charrsid6240723 .  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8478528 A new ground was that the LAT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid815266\charrsid6240723  cons}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6246964 ent provided for four }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid6246964 \'93conditions\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid815266\charrsid6240723  which were claimed not to have been complied with.  In addition it was asserted in relation to the 17 August 2011 mortgage that:
\par }\pard \ltrpar\qj \li720\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid9665516 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid815266\charrsid6240723 \'93the date for repayment of the Deed o
f Mortgage has not yet arrived because the proceeds of sale are n}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid8478528 ot available and the applicant ha}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid815266\charrsid6240723 s therefore not been }
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid8478528 in }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid815266\charrsid6240723 default in terms of the mortgage in failing to make monetary repayments}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid9665516\charrsid6240723 \'85 [and] the purpose and function of the LAT was to vet and approve all leases, assignment}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid8478528 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid9665516\charrsid6240723  of lease, subleases and mortgages and to be satisfied that the borrower had the means to repay the loan otherwise the loan would not be approved }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid8478528 [}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid9665516\charrsid6240723 and that}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid8478528 ]}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid9665516\charrsid6240723  the LAT can overrule the bank.\'94 
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid815266\charrsid6240723 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid9665516\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [72]\tab}}\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9665516\charrsid6240723 Of the 29 November 2014 Deed, it was asserted there was no approval to}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8478528  what was said to be}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6246964  a variation arising from the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9665516\charrsid6240723  inserti}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6246964 on of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9665516\charrsid6240723  a new settle}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8478528 ment date of 30 March 2014. N}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid9665516\charrsid6240723 o approval}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8478528  was}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9665516\charrsid6240723  sought to the variation.  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid13509859\charrsid6240723 
\par }\pard \ltrpar\qj \li0\ri0\sl360\slmult1\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14434906 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid6646929\charrsid6240723 Submissions
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid6646929\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [73]\tab}}\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6646929\charrsid6240723 
As mentioned, as part of his preparation to argue the matters before the Court Mr Samuel filed a comprehensive set of submissions on 12 February 2015, a month before he sought leave to wi}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6246964 
thdraw.  Those submissions follow}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6646929\charrsid6240723 ed three days of interviews with Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid6646929\charrsid6240723 Browne and others and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8478528 consideration of }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6646929\charrsid6240723 
virtually all the documentary material discussed earlier in this Judgment.  It also included a careful chronology }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6246964 and argument }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid6646929\charrsid6240723 suggesting: }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9665516\charrsid6240723 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid6246964 \hich\af0\dbch\af0\loch\f0 [a]\tab}}\pard \ltrpar\qj \li720\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls16\ilvl1\adjustright\rin0\lin720\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6246964 Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid6246964 Browne saying she played}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6646929\charrsid6240723 
 no part in making the Westpac loan application for an additional $750,000 in 2002 and had no previous experience of Westpac.  The result of the documents at that stage was }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14762961 that Mrs}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14762961 Browne guaranteed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6646929\charrsid6240723  her husband\rquote 
s debt of $1,281,810 plus a further $750,000 for the five pre-cut villas.  She entered into this transaction }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid6646929\charrsid6240723 \'93because Westpac\'85
 required it and her husband with whom she had trust and confidence in, had requested it\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6646929\charrsid6240723 .  She had no ownership interest in Manea H}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid16736033 eights where the villas were to}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6646929\charrsid6240723  be constructed which was in Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid6646929\charrsid6240723 Browne\rquote s sole name, but only in th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14762961 e jointly owned Section 6C3.  He suggested Westpac made the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid6646929\charrsid6240723  mistake as to the o}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14762961 wnership of Manea Heights and this lead to it requiring}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6646929\charrsid6240723  Mrs}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6646929\charrsid6240723 Browne\rquote s support. 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid6646929\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [b]\tab}In late 2006 Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6646929\charrsid6240723 Browne sold the Manea Heights property to Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6646929\charrsid6240723 
Tepaki at a suggeste}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14762961 d purchase price of $1.2m with the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6646929\charrsid6240723  side ar}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16736033 
rangement for Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16736033 Browne to buy}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6646929\charrsid6240723  Unit 8}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid16736033  back from the developers once unit titles had}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6646929\charrsid6240723  issued.  Unit 8 was worth about $600,000.  Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6646929\charrsid6240723 Samuel suggested no proper accounting had been provided by Westpac for the loan reduction on pa}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16736033 
yment of the $1.2m and he}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6646929\charrsid6240723  suggested }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16736033 that the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6646929\charrsid6240723  ass
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14762961 ignment between Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14762961 Browne and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6646929\charrsid6240723 Te Paki Holdings Limited was for $1.8m plus VAT, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16736033 the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid6646929\charrsid6240723 price for which Unit 8 would in effect be held in trust to be transferred to Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6646929\charrsid6240723 
Browne on completion.  That arrangement would have been beneficial to all parties, but he submitted there was no proof the transaction was ever completed or additional security obtained from Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6646929\charrsid6240723 Tepaki. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14762961 Mr Tepaki would, as noted, contest those assertions. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid6646929\charrsid6240723  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid6646929\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [c]\tab}
Mr Little confirmed on 22 February 2007 that the housing loan of $100,000 had been paid off that year from which Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6646929\charrsid6240723 
Samuel submitted }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid16736033 \'93it is not clear bu}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid6646929\charrsid6240723 
t later events strongly suggest that the security was released in respect of Te Koiti with Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid6646929\charrsid6240723 Browne\rquote s Will, }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid12389757\charrsid6240723 though excluding Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid12389757\charrsid6240723 
Browne, stating that Te Koiti was to be hers unencumbered.\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16736033  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14762961 As mentioned, the Will was not put in evidence, and, if the \'94}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid14762961 unencumbered \'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14762961 
statement were made, Mr Browne must have known it was unachievable when the jointly held lease of Section 6C3 was encumbered with the Westpac mortgage securing all his indebtedness.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6646929\charrsid6240723 

\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid3160838\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [d]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3160838\charrsid6240723 
Up until May 2008 the loan was apparently up to date but there was then the dispute with Mr Tepaki resulting in his stopping payments and $23,000 arrears being run up.  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14762961 Mr Tepaki accepts}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12913375  some of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14762961  this. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12913375 Mr Samuel}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid3160838\charrsid6240723  said Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3160838\charrsid6240723 Browne was not advised that the interest ha}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid14762961 d fallen behind, though accepting}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3160838\charrsid6240723  there was no obligation to advise her.  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid12389757\charrsid6240723 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid3160838\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [e]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3160838\charrsid6240723 
He submitted that i}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14762961 n 2010 the jointly held Section 6C3}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3160838\charrsid6240723  lease was surrendered and the new lease transferred to Mrs}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3160838\charrsid6240723 Browne, presumably by survivorship}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16736033 ,}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid3160838\charrsid6240723  with the new lease enhancing Westpac\rquote s security but releasing Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3160838\charrsid6240723 
Browne\rquote s estate from the liability.  He submitted the estate should have }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14762961 been required to enter into a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16736033  deed to prolong}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3160838\charrsid6240723  its guarantee.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid3160838\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [f]\tab}
He submitted that in 2011 Mr Little, who had been acting for Westpac in 2008, should not have acted for Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3160838\charrsid6240723 
Browne in witnessing the Settlement Deed of 15 July 2011 and that the Deed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14762961  detrimentally}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3160838\charrsid6240723  affected Mrs}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3160838\charrsid6240723 Browne\rquote s rights because it did not provide for the four other guarantors}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid16736033 \rquote }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3160838\charrsid6240723  liability to continue thus leaving Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid3160838\charrsid6240723 Browne liable for the whole of the debt incorporated into the new loan though the principal was reduced from $713,000 to $550,000 by agreement.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid3160838\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [g]\tab}He further submitted that the lease approval at the tim}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid16736033 e contained a condition that}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3160838\charrsid6240723  repayment should be}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16736033  from the proceeds of the sale of all or
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3160838\charrsid6240723  part of the leasehold interest, a condition which, Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid3160838\charrsid6240723 Samu}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16736033 el submitted, took precedence over }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3160838\charrsid6240723 th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid14762961 e repayment date of 15 June 2012}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3160838\charrsid6240723 . 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid3160838\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [h]\tab}
Mr Samuel was critical of the Settlement Deed of 29 November 2013 with the loan now said to be a minimum of $630,000 and possibly much more, suggested variations in the mortgage for which LAT approval was required but not obtained and the loss of the guar
antors\rquote  covenants by Westpac failing to obtain the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid14762961 ir}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3160838\charrsid6240723  consent to}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid5530974 , or participating in,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3160838\charrsid6240723  the new loan.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid3160838\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [74]\tab}}\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3160838\charrsid6240723 
All of that, Mr Samuel submitted, impugned the entire transaction, involved undue influence, lack of LAT approvals, conflicts of interest on Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid3160838\charrsid6240723 Little\rquote s part and serious detriment to Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3160838\charrsid6240723 Browne th}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid16736033 rough loss of the co-guarantors\rquote  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3160838\charrsid6240723 covenants.  He submitted that any }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16736033 
liability on Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16736033 Browne\rquote s part sh}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3160838\charrsid6240723 ould be}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid16736033  a maximum of no more than}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3160838\charrsid6240723  one fifth (i.e. pro tanto with the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5530974 four }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3160838\charrsid6240723 former co-guarantors) of the amount owing to Westpac.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid3160838\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [75]\tab}Mr }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4615530\charrsid6240723 Matysik
\rquote s submissions relied on the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16736033  various }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4615530\charrsid6240723 
iterations of the argument for Westpac advanced by him in earlier submissions but he made}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16736033  the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4615530\charrsid6240723  additional points: }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid3160838\charrsid6240723 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid4615530\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [a]\tab}}\pard \ltrpar\qj \li720\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls16\ilvl1\adjustright\rin0\lin720\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4615530\charrsid6240723 Article 60(2)(e) of the Const}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid16736033 itution and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4615530\charrsid6240723 
 section 58(3) of the Judicature Act 1980-81 only provide for appeal to the Court of Appeal with leave of this Court if the question involved is of general public importance, the magnitude of the interest affected warrants it}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid5530974 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4615530\charrsid6240723  or the justice of the case so requ}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5530974 ires.  None, he submitted, applied here and there we}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4615530\charrsid6240723 re no compelling reasons for granting leave to appeal out of time, all bar the LAT approval point having been raised and rejected at earlier stages of this matter.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid4615530\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [b]\tab}
He relied on the detailed terms of the Settlement Deed dated 29 November 2013 including the release of claims, Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4615530\charrsid6240723 Browne
\rquote s agreement not to impede Westpac\rquote s enforcement and the bar to further proceedings by her, a Deed she signed after assistance from experienced counsel.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid4615530\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [76]\tab}}\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4615530\charrsid6240723 Of the allegations concerning the LAT consent, Mr}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5530974 Matysik pointed to the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4615530\charrsid6240723  Leases Restrictions Act 1976 and the Leases Restrictions }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16736033 (Amendment) Regulations 2006 mak}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5530974 ing}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4615530\charrsid6240723 
 little mention of mortgages, a term accepted as applying to assignments of lease.  Regulation 29 gives the LAT power to approve mortgages over leasehold land if satisfied of various conditions which can generally be described as understanding the nature 
of the transaction and having had an independent explanation.  Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4615530\charrsid6240723 Matysik made the point that the imposition of}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5530974  any other}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4615530\charrsid6240723  conditions is}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16736033  not mentioned, the Act}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid4615530\charrsid6240723  give}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16736033 s the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4615530\charrsid6240723 
 LAT no express jurisdiction to impose conditions on approvals and, as a statutory tribunal, the LAT can only do what it is empowered to do by the legislation.  Conditions}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5530974 
, beyond an understanding of the matter,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4615530\charrsid6240723  would therefore be }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6240723\charrsid6240723 ultra}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4615530\charrsid6240723  vires.  In addition, the form of the LAT Approval Certificate}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs30\fs24\super\insrsid4615530\charrsid6240723 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s28\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs30\super\insrsid14762961 
\chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14762961  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid14762961 Set out in the First Schedule to the Leases Restrictions Regulations 1977}}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4615530\charrsid6240723  contai}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16736033 ns no provision for including con}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4615530\charrsid6240723 dition}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid16736033 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4615530\charrsid6240723  but merely}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16736033  lists}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4615530\charrsid6240723 
 a description of what an applicant is seeking to}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5530974  have approved and the fact}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4615530\charrsid6240723  it has been approved.  Inclusion of}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16736033  so-called}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4615530\charrsid6240723  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid4615530\charrsid6240723 \'93conditions\'94}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid16736033  on}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4615530\charrsid6240723  Certificate}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16736033 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid4615530\charrsid6240723  is something that has evolved over time and, he submitted, has no bi}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723 nding force.  In any event the, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid16084489\charrsid6240723 \'93conditions\'94 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723 are merely a statement of the main terms being approved not conditions}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid9766962  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid9766962 strict}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5530974 o}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid9766962  sensu,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid16084489\charrsid6240723  compliance with which is fu}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9766962 ndamental to the approval.  Treating recitals of the terms of contracts as conditions akin to conditions forming part of a Court
\rquote s Judgment would impose unreasonable}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723  problems for parties since any departure}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9766962  \endash  however minor \endash 
 by either party}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723  from the strict terms of the approved document w}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9766962 
ould require a further approval to be sought and granted, often well after it had occurred. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723 Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723 Matysik also pointed the fact that the Court documents filed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9766962  by Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid9766962 Browne refer to the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid9766962 loan}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9766962  terms not the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid9766962 mortgage}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9766962  terms and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5530974  the fairness of the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid5530974 mortgage}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723  is what is approved by the LAT.  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9766962 In this case t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723 
here have be}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9766962 en no variations in the }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid9766962 mortgage}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723  terms.  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4615530\charrsid6240723 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid5530974 \hich\af0\dbch\af0\loch\f0 [77]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5530974 He submitted there wa}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723 s nothing supporting the argument that Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723 
Browne is not in default because the sale proceeds are not available since clause 7 of the 2011 Deed of Settlement makes }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9766962 clear she wa}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid16084489\charrsid6240723 s in default as soon as she failed to repa}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9766962 y the debt by 15 June 2012. That}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723 
 has plainly occurred and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9766962  is}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723  not something which can be modified by the LAT}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid9766962 .  In}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5530974  any event, that argument had}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9766962  be}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5530974 en}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723  overtaken by the 29 November 2013 Deed, one signed by Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723 
Browne when she was again advised by experienced counsel.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid16084489\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [78]\tab}All-in-all, Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723 Matysik submitted that}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9766962 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723  even if there were power}
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9766962 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723  there were no grounds for reopening }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9766962 any of the }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid7341602 previous transactions;}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723  the points raised on Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723 Browne\rquote s behalf had been repeatedly decided aga}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7341602 inst her;}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723 
 she is bound by the Deeds of Settlement}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7341602 ;}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723  and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7341602 
, whatever practical problems may be caused to her and her family,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723  there will}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7341602  accordingly}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723  be no injustice }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7341602 on legal grounds visited on Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid7341602 Browne}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723  were her applications to be declined and Westpac\rquote 
s granted.  Indeed, he submitted, her repeated attempts to raise the same issues in the face of repeated failures amounts to an abuse of process.  
\par }\pard \ltrpar\qj \li0\ri0\sl360\slmult1\keepn\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid14434906 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid16084489\charrsid6240723 Discussion and decision
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid16084489\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [79]\tab}}\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723 
As mentioned at the outset, there is either a short route or a much longer route to deciding the matters before the Court.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid16084489\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [80]\tab}The short route is to find that Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723 Browne is bound by the terms of the two Deeds of Settlement she has signed, particularly that of 29 November 2013}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid7341602 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723  and, this being, at its heart, an application in terms of the latter, she h}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7341602 
as no defence to the claim. A}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723 ccordingly }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7341602 all }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723 
her applications for leave to appeal}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7341602  out of time, special leave }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723 to stay the warrant of execution }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid7341602 (and, if sought separately, recall of the earlier Judgments) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723 must be dismissed.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid16084489\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [81]\tab}
Again as mentioned, the Settlement Deed of 29 November 2013 was unusually comprehensive in its terms.  Not only does it constitute a settlement at $630,000 against a debt said to be $950,000 with payment being deferred to 30 May 2014, it releases Westpac 
from all claims, present or future, which Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723 
Browne may have against, it binds her to pay the net income from the management of Manea Heights to Westpac and immediately vacate and deliver vacant possession to Westpac in the event of default (with a bar to raising any impediment to Westpac exerci}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7341602 sing its rights against her). Further, it}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15013327\charrsid6240723 entitle
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7341602 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5530974  Westpac to plead the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15013327\charrsid6240723 
 Deed as a bar to any claims instituted by her in respect of any matter between them.  T}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7341602 ellingly, t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15013327\charrsid6240723 he Deed recognises that
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5530974 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7341602  even if}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15013327\charrsid6240723  further}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid7341602  relevant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15013327\charrsid6240723  facts may}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7341602  be discovered in the future}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid5530974 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15013327\charrsid6240723  the parties }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid15013327\charrsid6240723 \'93
fully, finally, absolutely and forever settle all claims, actions and causes of action which may now exist, or may ever exist\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15013327\charrsid6240723  in relation to the matter.  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid16084489\charrsid6240723 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid15013327\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [82]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15013327\charrsid6240723 
It is trite law that Deeds of Settlement constituting an accord and satisfaction of parties\rquote  respective rights in r}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7341602 elation to each other}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid5530974  and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7341602  amount to}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15013327\charrsid6240723  a discharge of all that has gone before.  As was said in }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\fs24\insrsid15013327\charrsid6240723 British Russian Gazette & Trade Outlook Limited v. Associated Newspapers Limited}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15013327\charrsid6240723  [1933] 2 KB}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid7341602  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15013327\charrsid6240723 616, 643}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs30\fs24\super\insrsid15013327\charrsid6240723 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s28\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs30\super\insrsid14762961 
\chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14762961  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid14762961 See also }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang5129\langfe1033\langnp5129\insrsid14762961 
Bank of Credit & Commerce International SAB v. Ali }{\rtlch\fcs1 \af0 \ltrch\fcs0 \lang5129\langfe1033\langnp5129\insrsid14762961 [1999] ICR 1068, 1078}}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15013327\charrsid6240723 : 
\par }\pard \ltrpar\qj \li720\ri0\sa200\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid8021448 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid15013327\charrsid6240723 \'93}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid8021448\charrsid6240723 Accord and satisfaction is the purchase of a release from an obligation arising under contract or }{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4987293 
HYPERLINK "http://www.duhaime.org/LegalDictionary/T/Tort.aspx"}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4987293 {\*\datafield b0}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid8021448\charrsid6240723 tort}}}\sectd \ltrsect
\psz9\linex0\footery567\endnhere\titlepg\sectdefaultcl\sectrsid14430598\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid8021448\charrsid6240723 
 by means of any valuable consideration, not being the actual performance of the obligation itself. The accord is the agreement by which the obligation is discharged. The satisfaction is the }{\field\fldedit{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid4987293 HYPERLINK "http://www.duhaime.org/LegalDictionary/C/Consideration.aspx"}{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid4987293 {\*\datafield b0}}}{\fldrslt {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid8021448\charrsid6240723 consideration}}}
\sectd \ltrsect\psz9\linex0\footery567\endnhere\titlepg\sectdefaultcl\sectrsid14430598\sftnbj {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid8021448\charrsid6240723  which makes the agreement operative.\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid15013327\charrsid6240723 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid8021448\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [83]\tab}}\pard \ltrpar\qj \li0\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin0\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8021448\charrsid6240723 
Here, on two occasions, when in receipt of competent and experienced legal advice, Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8021448\charrsid6240723 
Browne achieved the release of an obligation greater than that of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5530974  the settlement sums and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8021448\charrsid6240723  Westpac\rquote 
s agreement to advance her money to meet her obligations and give her time to do so.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7671982 
 That amounted to an accord. Compliance would have constituted a satisfaction freeing her from any obligation to Westpac.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid7671982 \hich\af0\dbch\af0\loch\f0 [84]\tab}
Instead, she failed to comply with either Deed (or, more particularly, with the Deed of 29 November 2013, since it supplanted the terms of the Deed of 15 July 2011).  Notably, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8021448\charrsid6240723 
she waived all rights in relation to the antecedent transaction}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5530974 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8021448\charrsid6240723 
 in the latter and bound herself not raise those issues again, not to sue on them and not to impede Westpac\rquote s efforts to enforce the mortgage in the event of her default.  She cannot now resile from the terms of the Deeds she signed on comp}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7671982 etent legal advice and continue}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8021448\charrsid6240723  to endeavour to re-litigate issues that have been conclusively determined against her}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7671982 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8021448\charrsid6240723  based }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15613061 on}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid8021448\charrsid6240723  her own agreements}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7671982 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8021448\charrsid6240723  by Judges of this Court.  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid15013327 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid7671982 \hich\af0\dbch\af0\loch\f0 [85]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7671982 
That is particularly the case when, on the material on the file for this hearing, beyond the collateral issue of applying to set aside the ex parte Order of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9787643  10 September 2012}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \cs30\fs24\super\insrsid9787643 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s28\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 
\fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs30\super\insrsid14762961 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14762961  Not only }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang5129\langfe1033\langnp5129\insrsid14762961 an application she abandoned by consent in Grice J\rquote s Order, but one she agreed should remain valid}}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9787643 
, she has taken no proceedings to protect her position: t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid1854734 here are no claims that she signed the Deeds}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9787643 
 by mistake, or following misrepresentation}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid1854734 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid9787643 
 or that they do not correctly recite the position and should be rectified or any of the other ways contracts can be set aside. Similarly there are}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid1854734  no proceedi}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid9787643 ngs against any of the}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid1854734  persons and entities whom, she claims, have failed her in the ways described. All of that, when coupl}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid15613061 ed with her factual failures (e.g.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid1854734  to sell the property or account for its receipts) and what Doherty J and Weston CJ concluded as to her ai}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid5530974 ms in this litigation, influence}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid1854734  against}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5530974  any discretion to grant}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid1854734  her applications.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid7671982\charrsid6240723 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid8021448\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [86]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8021448\charrsid6240723 
Therefore, like the Chief Justice, the short answer to the applications before the Court go}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid1854734 es}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8021448\charrsid6240723 
 no further than saying that Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8021448\charrsid6240723 
Browne is bound by the terms of her Settlement Deeds, especially that of 29 November 2013, and therefore }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid1854734 all }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8021448\charrsid6240723 
her applications}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid1854734 , including }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8021448\charrsid6240723  for stay of execution and for special leave to appeal}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid1854734 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs30\fs24\super\insrsid8021448\charrsid6240723 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s28\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 
\af0\afs20\alang1025 \ltrch\fcs0 \fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs30\super\insrsid14762961 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14762961  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang5129\langfe1033\langnp5129\insrsid14762961 And her belated application advanced through Mr George for adjournment of all these matters}}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8021448\charrsid6240723  must be dismissed.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid8021448\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [87]\tab}
The longer route to the same terminus treks its way through the documents and chronology earlier canvassed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid1854734 . Repetition would be tedious but, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid8021448\charrsid6240723  in addition}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid1854734  to what has already been said, the Court mak}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8021448\charrsid6240723 
es the following observations: 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid8021448\charrsid6900051 \hich\af0\dbch\af0\loch\f0 [a]\tab}}\pard \ltrpar\qj \li720\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls16\ilvl1\adjustright\rin0\lin720\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8021448\charrsid6900051 Though it is argued that Westpac was under some duty to Mrs}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8021448\charrsid6900051 
Browne in relation to her entry into the various securities earlier discussed, a Bank is not normally under any obligation to those providing security to disclose anything more than something out of the normal which has taken place as an antecedent to the
 transaction}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs30\fs24\super\insrsid8021448\charrsid6240723 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s28\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 
\af0\afs20\alang1025 \ltrch\fcs0 \fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs30\super\insrsid14762961 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid14762961  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\lang5129\langfe1033\langnp5129\insrsid14762961 Shivas v. Bank of New Zealand }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs18\lang5129\langfe1033\langnp5129\insrsid14762961 [1990] 2 NZLR 327, 363; }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\fs18\lang5129\langfe1033\langnp5129\insrsid14762961 Scales Trading Co Limited v. Far Eastern Shipping Co Public Limited}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs18\lang5129\langfe1033\langnp5129\insrsid14762961  [2001] 1 NZLR 513 (PC)}}}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid8021448\charrsid6900051 .  While something of what took place between the late Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8021448\charrsid6900051 
Browne and Westpac and, later, involving Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8021448\charrsid6900051 Tepaki}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid1854734\charrsid6900051 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8021448\charrsid6900051  remains unexplained, the fact is that Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid8021448\charrsid6900051 Browne has on a number of occasions signed documents which she must have known were secu}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5530974 rity documents over}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid8021448\charrsid6900051  or property she owned jointly with her late husband and nothing is shown about those security documents which would s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid1854734\charrsid6900051 
atisfy the test just enunciated, certainly nothing which would}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8021448\charrsid6900051  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid1854734\charrsid6900051 vitiate the securities.}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid6900051 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid6900051 \hich\af0\dbch\af0\loch\f0 [b]\tab}The 2002 documents were}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8021448\charrsid6900051  Deed
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6900051 s. W}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6900051 ere Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid657206\charrsid6900051 Browne to endeavour to impugn them at this stage, she may encounter limitation problems.  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8021448 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid5530974 \hich\af0\dbch\af0\loch\f0 [c]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid5530974 
While Mr Clarke emphasised that Mrs Browne received }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid1271428 no, what he called }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid1271428 \'93benefit\'94,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid1271428  from the loans and securities earlier described, all the securities were deeds and thus required no separate consideration to be valid. She may well have derived no }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid1271428 \'93
benefit\'94}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid1271428 
 from the mortgages and loans in the sense of actually receiving money, but she would have derived benefit from them in the sense of assisting her husband in his business and in his entrepreneurial activities. Her present predicament may well stem from he
r putting her trust and loyalty in him and her preparedness, as a result, to jeopardise her interest in her family\rquote s land by mortgaging the lease of it which she held jointly with him.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid5530974\charrsid6900051 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid657206\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [d]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723 
If she endeavoured to launch further litigation concerning the matters at the heart of this issue \endash  whether against Westpac or anybody else \endash  she would not only run into the difficulties with those issues}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid6900051  which}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723  have been raised and decided against he}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6900051 r in earlier litigation but might}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723  also encounter the effect of the rule in }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid657206\charrsid6240723 Henderson v. Henderson}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid657206\charrsid6240723  (1843) 3 Hare 100, 115 that }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6900051 estoppels can arise}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723  out of previous proceedings}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6900051  and}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723  may extend to issues which might have been put}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6900051 ,}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723  but were not raised and decided}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6900051 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723  in 
those proceedings absent special circumstances.  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\fs24\insrsid657206\charrsid6240723 Henderson v. Henderson}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723 
 also gives Courts power to stay or dismiss actions where a claimant later endeavours to raise issues which were}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6900051 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723 
 or should have been}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6900051 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723  litigated in the earlier proceedings.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid657206\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [e]\tab}
It is also trite law that dealings by entities such as lenders with co-guarantors without the involvement of all co-guarantors can operate as a discharge of the guarantee}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs30\fs24\super\insrsid8989888 \chftn 
{\footnote \ltrpar \pard\plain \ltrpar\s28\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs20\alang1025 \ltrch\fcs0 \fs20\lang3081\langfe1033\cgrid\langnp3081\langfenp1033 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \cs30\super\insrsid8989888 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid8989888  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\lang5129\langfe1033\langnp5129\insrsid8989888 National Bank of NZ Ltd v Murland }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang5129\langfe1033\langnp5129\insrsid8989888 [1991] 3 NZLR 86}}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723  but, although the point is raised for Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723 Browne at t}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid1271428 his juncture, there is no information on the file as to the dealings which Westpac had with the}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid657206\charrsid6240723  co-guarantors}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid1271428  and how any release of them}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723  came about}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid1271428 . I}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723 n any event, th}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6900051 e Rule in }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\fs24\insrsid6900051 Henderson v Henderson}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723  would seem likely to prevent her endeavouring to raise that issue at this juncture.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid657206\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [f]\tab}Without needing to rehearse the detail again, the Court finds }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid6900051 persuasive Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6900051 Matysik\rquote s submission}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid657206\charrsid6240723  that the LAT has no power to impose condi}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6900051 tions on its approvals}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723 .  As Mr}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723 
Matysik submitted, while the LAT may have evolved a practice of including the main terms of the document being approved in its consents, they cannot amount to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6900051 contractual }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid657206\charrsid6240723 condition}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6900051 s non-compliance with which vitiates approvals. T}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723 
o hold otherwise would make the system unworkable since it would require fresh consents for every departure }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6900051 \endash }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid15613061 however minor}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6900051 - }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723 
by the parties from the terms of their documents.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid657206\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [88]\tab}}\pard \ltrpar\qj \fi-720\li720\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx720\wrapdefault\aspalpha\aspnum\faauto\ls16\adjustright\rin0\lin720\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723 For all those reasons, this Court reaches the view that:
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid657206\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [a]\tab}}\pard \ltrpar\qj \li720\ri0\sa200\sl360\slmult1\widctlpar
\jclisttab\tx0\wrapdefault\aspalpha\aspnum\faauto\ls16\ilvl1\adjustright\rin0\lin720\itap0\pararsid10708679 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723 Mr Samuel\rquote s application for leave to withdraw from acting for Mrs}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723 Brown is granted.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid657206\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [b]\tab}Mr}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid657206\charrsid6240723 George\rquote s application for adjournment of all these matters from 19 March 2015 is dismissed.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid657206\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [c]\tab}Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723 Browne\rquote s application for special leave to appeal against the decisions of Doherty}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid657206\charrsid6240723 J and Weston}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723 
CJ is dismissed there being no general or public importance in the matter, the mag}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid4918278 nitude of the interest affected}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723 
 does not warrant special leave to appeal given the comprehensive nature of the Settlement Deed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6900051 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723  a}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \fs24\insrsid6900051 nd the interests of justice do}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723  not require leave or special leave to appeal.  
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid657206\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [d]\tab}Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723 Browne\rquote s application for stay of execution of the injunction, and the warrant of}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid6900051 
 execution are both dismissed (as is any separate application for recall of either Judgment)}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10884493 .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid657206\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [e]\tab}Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid657206\charrsid6240723 Browne\rquote s application for an extension of time to file a notice of appeal is likewise dismissed for the same reasons as above. 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid657206\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [f]\tab}Westpac\rquote s application for a writ o}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\fs24\insrsid13248264 f execution is granted but}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8989888 , }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10554195 
in common with Doherty J and Weston CJ, the sealed order is directed to lie in Court for 14 days from delivery of this Judgment to enable Mrs Browne to vacate voluntarily}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid8989888 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0 \ltrch\fcs0 \lang3081\langfe1033\langnp3081\langfenp1033\insrsid12873349\charrsid6240723 \hich\af0\dbch\af0\loch\f0 [g]\tab}}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12873349\charrsid6240723 The cost}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid10554195 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12873349\charrsid6240723 
 of this application are reserved and counsel may file memoranda on the topic with that from Westpac to be filed within 21 days of delivery of this Judgment and that from Mrs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid11299489  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \fs24\insrsid12873349\charrsid6240723 Browne within 28 days.
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\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid15613061\charrsid6240723 
\par }\pard \ltrpar\qj \li5040\ri0\sa200\sl360\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin5040\itap0\pararsid12873349 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \fs24\insrsid12873349\charrsid6240723 Hugh Williams J
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