{\rtf1\adeflang1025\ansi\ansicpg1252\uc1\adeff0\deff0\stshfdbch14\stshfloch37\stshfhich37\stshfbi0\deflang1033\deflangfe1033\themelang1033\themelangfe0\themelangcs0{\fonttbl{\f0\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\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;}
{\f14\fbidi \froman\fcharset136\fprq2{\*\panose 02020500000000000000}PMingLiU{\*\falt \'b7\'73\'b2\'d3\'a9\'fa\'c5\'e9};}{\f34\fbidi \froman\fcharset0\fprq2{\*\panose 02040503050406030204}Cambria Math;}
{\f35\fbidi \fswiss\fcharset128\fprq2{\*\panose 020b0604020202020204}Arial Unicode MS;}{\f37\fbidi \fswiss\fcharset0\fprq2{\*\panose 020f0502020204030204}Calibri;}{\f38\fbidi \fswiss\fcharset0\fprq2{\*\panose 00000000000000000000}Tahoma;}
{\f49\fbidi \froman\fcharset0\fprq2{\*\panose 02040602050305030304}Book Antiqua;}{\f50\fbidi \fswiss\fcharset128\fprq2{\*\panose 020b0604020202020204}@Arial Unicode MS;}{\f51\fbidi \froman\fcharset136\fprq2{\*\panose 02020500000000000000}@PMingLiU;}
{\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;}{\f52\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}
{\f53\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}{\f55\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\f56\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\f57\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}
{\f58\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}{\f59\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\f60\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\f72\fbidi \fmodern\fcharset238\fprq1 Courier New CE;}
{\f73\fbidi \fmodern\fcharset204\fprq1 Courier New Cyr;}{\f75\fbidi \fmodern\fcharset161\fprq1 Courier New Greek;}{\f76\fbidi \fmodern\fcharset162\fprq1 Courier New Tur;}{\f77\fbidi \fmodern\fcharset177\fprq1 Courier New (Hebrew);}
{\f78\fbidi \fmodern\fcharset178\fprq1 Courier New (Arabic);}{\f79\fbidi \fmodern\fcharset186\fprq1 Courier New Baltic;}{\f80\fbidi \fmodern\fcharset163\fprq1 Courier New (Vietnamese);}
{\f194\fbidi \froman\fcharset0\fprq2 PMingLiU Western{\*\falt \'b7\'73\'b2\'d3\'a9\'fa\'c5\'e9};}{\f392\fbidi \froman\fcharset238\fprq2 Cambria Math CE;}{\f393\fbidi \froman\fcharset204\fprq2 Cambria Math Cyr;}
{\f395\fbidi \froman\fcharset161\fprq2 Cambria Math Greek;}{\f396\fbidi \froman\fcharset162\fprq2 Cambria Math Tur;}{\f399\fbidi \froman\fcharset186\fprq2 Cambria Math Baltic;}{\f400\fbidi \froman\fcharset163\fprq2 Cambria Math (Vietnamese);}
{\f404\fbidi \fswiss\fcharset0\fprq2 Arial Unicode MS Western;}{\f402\fbidi \fswiss\fcharset238\fprq2 Arial Unicode MS CE;}{\f403\fbidi \fswiss\fcharset204\fprq2 Arial Unicode MS Cyr;}{\f405\fbidi \fswiss\fcharset161\fprq2 Arial Unicode MS Greek;}
{\f406\fbidi \fswiss\fcharset162\fprq2 Arial Unicode MS Tur;}{\f407\fbidi \fswiss\fcharset177\fprq2 Arial Unicode MS (Hebrew);}{\f408\fbidi \fswiss\fcharset178\fprq2 Arial Unicode MS (Arabic);}
{\f409\fbidi \fswiss\fcharset186\fprq2 Arial Unicode MS Baltic;}{\f410\fbidi \fswiss\fcharset163\fprq2 Arial Unicode MS (Vietnamese);}{\f411\fbidi \fswiss\fcharset222\fprq2 Arial Unicode MS (Thai);}{\f422\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}
{\f423\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}{\f425\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}{\f426\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}{\f429\fbidi \fswiss\fcharset186\fprq2 Calibri Baltic;}
{\f430\fbidi \fswiss\fcharset163\fprq2 Calibri (Vietnamese);}{\f432\fbidi \fswiss\fcharset238\fprq2 Tahoma CE;}{\f433\fbidi \fswiss\fcharset204\fprq2 Tahoma Cyr;}{\f435\fbidi \fswiss\fcharset161\fprq2 Tahoma Greek;}
{\f436\fbidi \fswiss\fcharset162\fprq2 Tahoma Tur;}{\f437\fbidi \fswiss\fcharset177\fprq2 Tahoma (Hebrew);}{\f438\fbidi \fswiss\fcharset178\fprq2 Tahoma (Arabic);}{\f439\fbidi \fswiss\fcharset186\fprq2 Tahoma Baltic;}
{\f440\fbidi \fswiss\fcharset163\fprq2 Tahoma (Vietnamese);}{\f441\fbidi \fswiss\fcharset222\fprq2 Tahoma (Thai);}{\f542\fbidi \froman\fcharset238\fprq2 Book Antiqua CE;}{\f543\fbidi \froman\fcharset204\fprq2 Book Antiqua Cyr;}
{\f545\fbidi \froman\fcharset161\fprq2 Book Antiqua Greek;}{\f546\fbidi \froman\fcharset162\fprq2 Book Antiqua Tur;}{\f549\fbidi \froman\fcharset186\fprq2 Book Antiqua Baltic;}{\f554\fbidi \fswiss\fcharset0\fprq2 @Arial Unicode MS Western;}
{\f552\fbidi \fswiss\fcharset238\fprq2 @Arial Unicode MS CE;}{\f553\fbidi \fswiss\fcharset204\fprq2 @Arial Unicode MS Cyr;}{\f555\fbidi \fswiss\fcharset161\fprq2 @Arial Unicode MS Greek;}{\f556\fbidi \fswiss\fcharset162\fprq2 @Arial Unicode MS Tur;}
{\f557\fbidi \fswiss\fcharset177\fprq2 @Arial Unicode MS (Hebrew);}{\f558\fbidi \fswiss\fcharset178\fprq2 @Arial Unicode MS (Arabic);}{\f559\fbidi \fswiss\fcharset186\fprq2 @Arial Unicode MS Baltic;}
{\f560\fbidi \fswiss\fcharset163\fprq2 @Arial Unicode MS (Vietnamese);}{\f561\fbidi \fswiss\fcharset222\fprq2 @Arial Unicode MS (Thai);}{\f564\fbidi \froman\fcharset0\fprq2 @PMingLiU Western;}
{\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\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);}}
{\colortbl;\red0\green0\blue0;\red0\green0\blue255;\red0\green255\blue255;\red0\green255\blue0;\red255\green0\blue255;\red255\green0\blue0;\red255\green255\blue0;\red255\green255\blue255;\red0\green0\blue128;\red0\green128\blue128;\red0\green128\blue0;
\red128\green0\blue128;\red128\green0\blue0;\red128\green128\blue0;\red128\green128\blue128;\red192\green192\blue192;\red98\green36\blue35;\red128\green100\blue162;}{\*\defchp \loch\af37\hich\af37\dbch\af14 }{\*\defpap 
\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 }\noqfpromote {\stylesheet{\ql \li0\ri0\sa200\sl276\slmult1\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs22\alang1025 
\ltrch\fcs0 \fs22\lang1033\langfe1028\loch\f37\hich\af37\dbch\af14\cgrid\langnp1033\langfenp1028 \snext0 \sqformat \spriority0 \styrsid9069085 Normal;}{\*\cs10 \additive \ssemihidden \sunhideused \spriority1 Default Paragraph Font;}{\*
\ts11\tsrowd\trftsWidthB3\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblind0\tblindtype3\tscellwidthfts0\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\lang1033\langfe1033\loch\f37\hich\af37\dbch\af14\cgrid\langnp1033\langfenp1033 
\snext11 \ssemihidden \sunhideused \sqformat Normal Table;}{\s15\ql \li0\ri0\widctlpar\tqc\tx4680\tqr\tx9360\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1028\loch\f37\hich\af37\dbch\af14\cgrid\langnp1033\langfenp1028 \sbasedon0 \snext15 \slink16 \sunhideused \styrsid10496796 header;}{\*\cs16 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \sbasedon10 \slink15 \slocked \styrsid10496796 
Header Char;}{\s17\ql \li0\ri0\widctlpar\tqc\tx4680\tqr\tx9360\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1028\loch\f37\hich\af37\dbch\af14\cgrid\langnp1033\langfenp1028 \sbasedon0 \snext17 \slink18 \sunhideused \styrsid10496796 footer;}{\*\cs18 \additive \rtlch\fcs1 \af0 \ltrch\fcs0 \sbasedon10 \slink17 \slocked \styrsid10496796 
Footer Char;}{\s19\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs16\alang1025 \ltrch\fcs0 \fs16\loch\f38\hich\af38\dbch\af14\cgrid 
\sbasedon0 \snext19 \slink20 \ssemihidden \sunhideused \styrsid10496796 Balloon Text;}{\*\cs20 \additive \f38\fs16 \slink19 \slocked \ssemihidden \styrsid10496796 Balloon Text Char;}{\s21\ql \li0\ri0\sa200\sl276\slmult1
\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\loch\f37\hich\af37\dbch\af14\cgrid \sbasedon0 \snext0 \slink22 \ssemihidden \sunhideused \styrsid6505848 Date;}{\*\cs22 \additive 
\fs22 \slink21 \slocked \ssemihidden \styrsid6505848 Date Char;}{\*\ts23\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\tblind0\tblindtype3\tscellwidthfts0\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\lang1033\langfe1033\loch\f37\hich\af37\dbch\af14\cgrid\langnp1033\langfenp1033 
\sbasedon11 \snext23 \spriority59 \styrsid10238123 Table Grid;}}{\*\listtable{\list\listtemplateid-501717674\listhybrid{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace360\levelindent0{\leveltext
\leveltemplateid67698689\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li1440\lin1440 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext
\leveltemplateid67698691\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li2160\lin2160 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698693
\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li2880\lin2880 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698689
\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li3600\lin3600 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698691
\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li4320\lin4320 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698693
\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li5040\lin5040 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698689
\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li5760\lin5760 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698691
\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li6480\lin6480 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698693
\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li7200\lin7200 }{\listname ;}\listid21246211}{\list\listtemplateid1520366230\listhybrid{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace360
\levelindent0{\leveltext\leveltemplateid67698689\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li1170\lin1170 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0
{\leveltext\leveltemplateid67698691\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li1890\lin1890 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext
\leveltemplateid67698693\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li2610\lin2610 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext
\leveltemplateid67698689\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li3330\lin3330 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext
\leveltemplateid67698691\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li4050\lin4050 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698693
\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li4770\lin4770 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698689
\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li5490\lin5490 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698691
\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li6210\lin6210 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698693
\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li6930\lin6930 }{\listname ;}\listid127745172}{\list\listtemplateid788561442\listhybrid{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace360
\levelindent0{\leveltext\leveltemplateid67698689\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li1080\lin1080 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0
{\leveltext\leveltemplateid67698691\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li1800\lin1800 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext
\leveltemplateid67698693\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li2520\lin2520 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext
\leveltemplateid67698689\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li3240\lin3240 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext
\leveltemplateid67698691\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li3960\lin3960 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698693
\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li4680\lin4680 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698689
\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li5400\lin5400 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698691
\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li6120\lin6120 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698693
\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li6840\lin6840 }{\listname ;}\listid289820981}{\list\listtemplateid-1201996952\listhybrid{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace360
\levelindent0{\leveltext\leveltemplateid67698689\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li1440\lin1440 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0
{\leveltext\leveltemplateid67698691\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li2160\lin2160 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext
\leveltemplateid67698693\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li2880\lin2880 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext
\leveltemplateid67698689\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li3600\lin3600 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext
\leveltemplateid67698691\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li4320\lin4320 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698693
\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li5040\lin5040 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698689
\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li5760\lin5760 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698691
\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li6480\lin6480 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698693
\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li7200\lin7200 }{\listname ;}\listid498271454}{\list\listtemplateid-1028770340\listhybrid{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0
\levelindent0{\leveltext\leveltemplateid67698703\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-360\li720\lin720 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0
\levelindent0{\leveltext\leveltemplateid67698713\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li1440\lin1440 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0
\levelindent0{\leveltext\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li2160\lin2160 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0
\levelindent0{\leveltext\leveltemplateid67698703\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li2880\lin2880 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0
\levelindent0{\leveltext\leveltemplateid67698713\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li3600\lin3600 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0
\levelindent0{\leveltext\leveltemplateid67698715\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li4320\lin4320 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0
\levelindent0{\leveltext\leveltemplateid67698703\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li5040\lin5040 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0
\levelindent0{\leveltext\leveltemplateid67698713\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li5760\lin5760 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0
\levelindent0{\leveltext\leveltemplateid67698715\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li6480\lin6480 }{\listname ;}\listid1130443173}{\list\listtemplateid2077160486\listhybrid{\listlevel\levelnfc23\levelnfcn23
\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace1080\levelindent0{\leveltext\leveltemplateid695757996\'01\u-3913 ?;}{\levelnumbers;}\b\i\f3\fbias0\hres0\chhres0 \fi-360\li2220\lin2220 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0
\levelfollow0\levelstartat1\levelspace1080\levelindent0{\leveltext\leveltemplateid67698691\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li2220\lin2220 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative
\levelspace1080\levelindent0{\leveltext\leveltemplateid67698693\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li2940\lin2940 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace1080
\levelindent0{\leveltext\leveltemplateid67698689\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li3660\lin3660 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace1080\levelindent0
{\leveltext\leveltemplateid67698691\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li4380\lin4380 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace1080\levelindent0{\leveltext
\leveltemplateid67698693\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li5100\lin5100 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace1080\levelindent0{\leveltext
\leveltemplateid67698689\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li5820\lin5820 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace1080\levelindent0{\leveltext
\leveltemplateid67698691\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li6540\lin6540 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace1080\levelindent0{\leveltext\leveltemplateid67698693
\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li7260\lin7260 }{\listname ;}\listid1332493066}{\list\listtemplateid610336066\listhybrid{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace360
\levelindent0{\leveltext\leveltemplateid67698689\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li720\lin720 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0
{\leveltext\leveltemplateid67698691\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li1440\lin1440 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext
\leveltemplateid67698693\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li2160\lin2160 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext
\leveltemplateid67698689\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li2880\lin2880 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext
\leveltemplateid67698691\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li3600\lin3600 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698693
\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li4320\lin4320 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698689
\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li5040\lin5040 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698691
\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li5760\lin5760 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698693
\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li6480\lin6480 }{\listname ;}\listid1337999577}{\list\listtemplateid476349524\listhybrid{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace360
\levelindent0{\leveltext\leveltemplateid695757996\'01\u-3913 ?;}{\levelnumbers;}\b\i\f3\fbias0\hres0\chhres0 \fi-360\li1440\lin1440 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0
{\leveltext\leveltemplateid67698691\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li2160\lin2160 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext
\leveltemplateid67698693\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li2880\lin2880 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext
\leveltemplateid67698689\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li3600\lin3600 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext
\leveltemplateid67698691\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li4320\lin4320 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698693
\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li5040\lin5040 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698689
\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li5760\lin5760 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698691
\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li6480\lin6480 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698693
\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li7200\lin7200 }{\listname ;}\listid1569924805}{\list\listtemplateid-673934564\listhybrid{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0
\levelindent0{\leveltext\leveltemplateid1207457588\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \b0\i0\fbias0\hres0\chhres0 \fi-360\li360\lin360 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative
\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li1080\lin1080 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative
\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li1800\lin1800 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative
\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li2520\lin2520 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative
\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li3240\lin3240 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative
\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li3960\lin3960 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative
\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li4680\lin4680 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative
\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li5400\lin5400 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative
\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li6120\lin6120 }{\listname ;}\listid1644768330}{\list\listtemplateid-1089440966\listhybrid{\listlevel\levelnfc23
\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace1080\levelindent0{\leveltext\leveltemplateid695757996\'01\u-3913 ?;}{\levelnumbers;}\b\i\f3\fbias0\hres0\chhres0 \fi-360\li2220\lin2220 }{\listlevel\levelnfc23\levelnfcn23\leveljc0
\leveljcn0\levelfollow0\levelstartat1\levelspace1080\levelindent0{\leveltext\leveltemplateid67698691\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li2220\lin2220 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1
\lvltentative\levelspace1080\levelindent0{\leveltext\leveltemplateid67698693\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li2940\lin2940 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative
\levelspace1080\levelindent0{\leveltext\leveltemplateid67698689\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li3660\lin3660 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace1080
\levelindent0{\leveltext\leveltemplateid67698691\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li4380\lin4380 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace1080\levelindent0{\leveltext
\leveltemplateid67698693\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li5100\lin5100 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace1080\levelindent0{\leveltext
\leveltemplateid67698689\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li5820\lin5820 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace1080\levelindent0{\leveltext
\leveltemplateid67698691\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li6540\lin6540 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace1080\levelindent0{\leveltext\leveltemplateid67698693
\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li7260\lin7260 }{\listname ;}\listid1680082452}{\list\listtemplateid-1529323284\listhybrid{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace360
\levelindent0{\leveltext\leveltemplateid67698689\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li1170\lin1170 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0
{\leveltext\leveltemplateid67698691\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li1890\lin1890 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext
\leveltemplateid67698693\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li2610\lin2610 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext
\leveltemplateid67698689\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li3330\lin3330 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext
\leveltemplateid67698691\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li4050\lin4050 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698693
\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li4770\lin4770 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698689
\'01\u-3913 ?;}{\levelnumbers;}\f3\fbias0\hres0\chhres0 \fi-360\li5490\lin5490 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698691
\'01o;}{\levelnumbers;}\f2\fbias0\hres0\chhres0 \fi-360\li6210\lin6210 }{\listlevel\levelnfc23\levelnfcn23\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360\levelindent0{\leveltext\leveltemplateid67698693
\'01\u-3929 ?;}{\levelnumbers;}\f10\fbias0\hres0\chhres0 \fi-360\li6930\lin6930 }{\listname ;}\listid1746612922}{\list\listtemplateid1652955416\listhybrid{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace360
\levelindent0{\leveltext\leveltemplateid67698703\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li720\lin720 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360
\levelindent0{\leveltext\leveltemplateid67698713\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li1440\lin1440 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace360
\levelindent0{\leveltext\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li2160\lin2160 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360
\levelindent0{\leveltext\leveltemplateid67698703\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li2880\lin2880 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360
\levelindent0{\leveltext\leveltemplateid67698713\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li3600\lin3600 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace360
\levelindent0{\leveltext\leveltemplateid67698715\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li4320\lin4320 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360
\levelindent0{\leveltext\leveltemplateid67698703\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li5040\lin5040 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace360
\levelindent0{\leveltext\leveltemplateid67698713\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li5760\lin5760 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace360
\levelindent0{\leveltext\leveltemplateid67698715\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li6480\lin6480 }{\listname ;}\listid1801681168}{\list\listtemplateid-334209968\listhybrid{\listlevel\levelnfc0\levelnfcn0
\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \fbias0\hres0\chhres0 \fi-360\li360\lin360 }{\listlevel\levelnfc4\levelnfcn4\leveljc0
\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li1080\lin1080 }{\listlevel\levelnfc2\levelnfcn2\leveljc2
\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li1800\lin1800 }{\listlevel\levelnfc0\levelnfcn0\leveljc0
\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li2520\lin2520 }{\listlevel\levelnfc4\levelnfcn4\leveljc0
\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li3240\lin3240 }{\listlevel\levelnfc2\levelnfcn2\leveljc2
\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li3960\lin3960 }{\listlevel\levelnfc0\levelnfcn0\leveljc0
\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li4680\lin4680 }{\listlevel\levelnfc4\levelnfcn4\leveljc0
\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-360\li5400\lin5400 }{\listlevel\levelnfc2\levelnfcn2\leveljc2
\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 \hres0\chhres0 \fi-180\li6120\lin6120 }{\listname ;}\listid1933003360}
{\list\listtemplateid-115198692\listhybrid{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'00.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\fbias0\hres0\chhres0 \fi-360\li360\lin360 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'01.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\hres0\chhres0 \fi-360\li1080\lin1080 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'02.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\hres0\chhres0 \fi-180\li1800\lin1800 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'03.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\hres0\chhres0 \fi-360\li2520\lin2520 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'04.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\hres0\chhres0 \fi-360\li3240\lin3240 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'05.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\hres0\chhres0 \fi-180\li3960\lin3960 }{\listlevel\levelnfc0\levelnfcn0\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698703\'02\'06.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\hres0\chhres0 \fi-360\li4680\lin4680 }{\listlevel\levelnfc4\levelnfcn4\leveljc0\leveljcn0\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698713\'02\'07.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\hres0\chhres0 \fi-360\li5400\lin5400 }{\listlevel\levelnfc2\levelnfcn2\leveljc2\leveljcn2\levelfollow0\levelstartat1\lvltentative\levelspace0\levelindent0{\leveltext\leveltemplateid67698715\'02\'08.;}{\levelnumbers\'01;}\rtlch\fcs1 \af0 \ltrch\fcs0 
\hres0\chhres0 \fi-180\li6120\lin6120 }{\listname ;}\listid2065905849}}{\*\listoverridetable{\listoverride\listid1130443173\listoverridecount0\ls1}{\listoverride\listid1644768330\listoverridecount0\ls2}{\listoverride\listid1933003360
\listoverridecount0\ls3}{\listoverride\listid1801681168\listoverridecount0\ls4}{\listoverride\listid21246211\listoverridecount0\ls5}{\listoverride\listid1337999577\listoverridecount0\ls6}{\listoverride\listid498271454\listoverridecount0\ls7}
{\listoverride\listid2065905849\listoverridecount0\ls8}{\listoverride\listid1569924805\listoverridecount0\ls9}{\listoverride\listid1332493066\listoverridecount0\ls10}{\listoverride\listid1680082452\listoverridecount0\ls11}{\listoverride\listid1746612922
\listoverridecount0\ls12}{\listoverride\listid127745172\listoverridecount0\ls13}{\listoverride\listid289820981\listoverridecount0\ls14}}{\*\revtbl {Unknown;}}{\*\rsidtbl \rsid10664\rsid30417\rsid98275\rsid142607\rsid161724\rsid219696\rsid266179\rsid270578\rsid417150
\rsid423661\rsid476396\rsid481586\rsid487984\rsid540026\rsid617755\rsid676187\rsid734033\rsid852889\rsid930157\rsid983869\rsid1056364\rsid1069042\rsid1129011\rsid1130232\rsid1135103\rsid1136543\rsid1191402\rsid1328197\rsid1382237\rsid1397185\rsid1404274
\rsid1459823\rsid1467645\rsid1530150\rsid1592514\rsid1596973\rsid1714941\rsid1727618\rsid1848422\rsid1909700\rsid1970832\rsid2044636\rsid2062953\rsid2126783\rsid2308767\rsid2325370\rsid2500281\rsid2511157\rsid2512408\rsid2556137\rsid2567740\rsid2573990
\rsid2649789\rsid2710172\rsid2714762\rsid2771816\rsid2773490\rsid2823086\rsid2884544\rsid2894183\rsid2965361\rsid3044109\rsid3046796\rsid3178322\rsid3214820\rsid3219929\rsid3223756\rsid3223798\rsid3277571\rsid3365625\rsid3369921\rsid3373036\rsid3414883
\rsid3416439\rsid3433422\rsid3439216\rsid3439845\rsid3479423\rsid3485382\rsid3498812\rsid3549097\rsid3567931\rsid3629586\rsid3636417\rsid3806123\rsid3875114\rsid3942720\rsid3958132\rsid3962778\rsid4074059\rsid4083698\rsid4152457\rsid4194986\rsid4207717
\rsid4327751\rsid4337008\rsid4344071\rsid4352007\rsid4355250\rsid4401380\rsid4468273\rsid4469203\rsid4531678\rsid4533677\rsid4545487\rsid4670456\rsid4673631\rsid4675387\rsid4675981\rsid4681848\rsid4807979\rsid4811786\rsid4859450\rsid4939529\rsid4945236
\rsid5001028\rsid5068237\rsid5117244\rsid5118087\rsid5249954\rsid5272771\rsid5332997\rsid5379503\rsid5382654\rsid5513563\rsid5516980\rsid5651914\rsid5703555\rsid5710783\rsid5718922\rsid5791580\rsid5835059\rsid5844766\rsid5970187\rsid5991528\rsid6032636
\rsid6046893\rsid6049056\rsid6100142\rsid6230953\rsid6319117\rsid6358497\rsid6369922\rsid6449307\rsid6488548\rsid6505848\rsid6556425\rsid6574325\rsid6578704\rsid6705482\rsid6751826\rsid6765487\rsid6777939\rsid6819354\rsid6820637\rsid6824237\rsid6827656
\rsid6847466\rsid6902058\rsid7028527\rsid7080749\rsid7084440\rsid7110605\rsid7152870\rsid7241345\rsid7299690\rsid7340509\rsid7365905\rsid7412887\rsid7480854\rsid7542141\rsid7564625\rsid7610578\rsid7617376\rsid7679145\rsid7691425\rsid7757387\rsid7807884
\rsid7812028\rsid7812634\rsid7825085\rsid7940521\rsid8019795\rsid8027562\rsid8131112\rsid8140496\rsid8143104\rsid8154935\rsid8220111\rsid8348040\rsid8398049\rsid8455512\rsid8463796\rsid8482599\rsid8586706\rsid8609252\rsid8654346\rsid8718133\rsid8848258
\rsid8940876\rsid8941595\rsid9005156\rsid9065960\rsid9069085\rsid9124444\rsid9198709\rsid9248875\rsid9259091\rsid9263091\rsid9308613\rsid9315577\rsid9454761\rsid9573311\rsid9597493\rsid9635613\rsid9637831\rsid9651334\rsid9731823\rsid9833632\rsid9843560
\rsid9972296\rsid9987554\rsid10041022\rsid10041041\rsid10109597\rsid10187722\rsid10228064\rsid10231281\rsid10238123\rsid10314739\rsid10360280\rsid10368620\rsid10376464\rsid10438827\rsid10496796\rsid10498754\rsid10516397\rsid10565781\rsid10567363
\rsid10637128\rsid10637756\rsid10693006\rsid10705462\rsid10751175\rsid10762039\rsid10776621\rsid10837826\rsid10880356\rsid10880876\rsid10959531\rsid10965863\rsid11040212\rsid11095737\rsid11152763\rsid11210982\rsid11216289\rsid11349688\rsid11418606
\rsid11536122\rsid11536780\rsid11554113\rsid11619528\rsid11678691\rsid11747329\rsid11753279\rsid11801389\rsid11813536\rsid11881761\rsid11889284\rsid11890952\rsid11939569\rsid11940385\rsid11950498\rsid11955165\rsid12011751\rsid12063039\rsid12147413
\rsid12279256\rsid12320882\rsid12328480\rsid12333028\rsid12338585\rsid12341887\rsid12347176\rsid12527890\rsid12540399\rsid12544433\rsid12597113\rsid12598195\rsid12681155\rsid12726969\rsid12797782\rsid12911251\rsid12916957\rsid12923430\rsid12940319
\rsid12979813\rsid12981721\rsid12986532\rsid12990362\rsid12990503\rsid12994035\rsid13003215\rsid13053856\rsid13107487\rsid13109912\rsid13127949\rsid13128159\rsid13138976\rsid13173866\rsid13184428\rsid13202294\rsid13203945\rsid13251235\rsid13307675
\rsid13310168\rsid13319443\rsid13321436\rsid13397988\rsid13502853\rsid13509650\rsid13516151\rsid13521558\rsid13573124\rsid13704357\rsid13708610\rsid13712038\rsid13771007\rsid13902136\rsid13908694\rsid13909114\rsid14037976\rsid14108493\rsid14232248
\rsid14296143\rsid14364201\rsid14433510\rsid14491319\rsid14627308\rsid14630475\rsid14646900\rsid14690698\rsid14691159\rsid14696703\rsid14762855\rsid14764430\rsid14765184\rsid14766329\rsid14816825\rsid14819989\rsid14883962\rsid14901825\rsid14956256
\rsid14959727\rsid15037526\rsid15088390\rsid15090557\rsid15095570\rsid15158142\rsid15160255\rsid15227754\rsid15279474\rsid15292766\rsid15296929\rsid15344675\rsid15358100\rsid15404901\rsid15541612\rsid15604424\rsid15610565\rsid15668700\rsid15695313
\rsid15739420\rsid15745467\rsid15880759\rsid15886454\rsid15939446\rsid16001626\rsid16011594\rsid16086806\rsid16387428\rsid16528140\rsid16537155\rsid16597939\rsid16599179\rsid16601669\rsid16674105\rsid16731704\rsid16742420}{\mmathPr\mmathFont34\mbrkBin0
\mbrkBinSub0\msmallFrac0\mdispDef1\mlMargin0\mrMargin0\mdefJc1\mwrapIndent1440\mintLim0\mnaryLim1}{\info{\title SUVA HBC 33 of 2013}{\author Angela Wati}{\operator raikatalau_l}{\creatim\yr2014\mo6\dy9\hr11\min45}{\revtim\yr2014\mo6\dy9\hr12\min4}
{\printim\yr2014\mo6\dy4\hr15\min42}{\version3}{\edmins21}{\nofpages36}{\nofwords17392}{\nofchars83308}{\*\company HP}{\nofcharsws100015}{\vern32773}}{\*\xmlnstbl {\xmlns1 http://schemas.microsoft.com/office/word/2003/wordml}}
\paperw12240\paperh15840\margl1440\margr1440\margt1440\margb1440\gutter0\ltrsect 
\widowctrl\ftnbj\aenddoc\trackmoves0\trackformatting1\donotembedsysfont1\relyonvml0\donotembedlingdata0\grfdocevents0\validatexml1\showplaceholdtext0\ignoremixedcontent0\saveinvalidxml0\showxmlerrors1\noxlattoyen
\expshrtn\noultrlspc\dntblnsbdb\nospaceforul\formshade\horzdoc\dgmargin\dghspace180\dgvspace180\dghorigin1440\dgvorigin1440\dghshow1\dgvshow1
\jexpand\viewkind4\viewscale100\pgbrdrhead\pgbrdrfoot\splytwnine\ftnlytwnine\htmautsp\nolnhtadjtbl\useltbaln\alntblind\lytcalctblwd\lyttblrtgr\lnbrkrule\nobrkwrptbl\snaptogridincell\allowfieldendsel\wrppunct
\asianbrkrule\rsidroot10496796\newtblstyruls\nogrowautofit\utinl \fet0{\*\wgrffmtfilter 2450}\ilfomacatclnup0{\*\ftnsep \ltrpar \pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10496796 
\rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang1033\langfe1028\loch\af37\hich\af37\dbch\af14\cgrid\langnp1033\langfenp1028 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10238123 \chftnsep 
\par }}{\*\ftnsepc \ltrpar \pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10496796 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1028\loch\af37\hich\af37\dbch\af14\cgrid\langnp1033\langfenp1028 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10238123 \chftnsepc 
\par }}{\*\aftnsep \ltrpar \pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10496796 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1028\loch\af37\hich\af37\dbch\af14\cgrid\langnp1033\langfenp1028 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10238123 \chftnsep 
\par }}{\*\aftnsepc \ltrpar \pard\plain \ltrpar\ql \li0\ri0\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10496796 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1028\loch\af37\hich\af37\dbch\af14\cgrid\langnp1033\langfenp1028 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10238123 \chftnsepc 
\par }}\ltrpar \sectd \ltrsect\linex0\endnhere\pgbrdropt32\pgbrdrt\brdrengrave\brdrw60\brsp480 \pgbrdrl\brdrengrave\brdrw60\brsp480 \pgbrdrb\brdremboss\brdrw60\brsp480 \pgbrdrr\brdremboss\brdrw60\brsp480 \sectlinegrid360\sectdefaultcl\sectrsid10496796\sftnbj 
{\headerr \ltrpar \pard\plain \ltrpar\s15\qc \li0\ri0\widctlpar\brdrb\brdrthtnsg\brdrw60\brsp20\brdrcf17 \tqc\tx4680\tqr\tx9360\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid12011751 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1028\loch\af37\hich\af37\dbch\af14\cgrid\langnp1033\langfenp1028 {\rtlch\fcs1 \af0\afs16 \ltrch\fcs0 \b\i\f49\fs16\insrsid10238123\charrsid8941595 \hich\af49\dbch\af14\loch\f49 LABASA HBC 02 of 2006
\par }\pard \ltrpar\s15\ql \li0\ri0\widctlpar\tqc\tx4680\tqr\tx9360\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 {\rtlch\fcs1 \af0\afs16 \ltrch\fcs0 \b\f49\fs16\insrsid10238123\charrsid2773490 
\par }}{\footerr \ltrpar \ltrrow\trowd \irow0\irowband0\lastrow \ltrrow\ts11\tsrowd\trgaph108\trrh360\trbrdrt\brdrs\brdrw10\brdrcf18 
\trftsWidth2\trwWidth5000\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf18 \clbrdrl\brdrtbl \clbrdrb\brdrtbl 
\clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth3500\clshdrawnil \cellx6595\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf18 \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \clcbpat18\cltxlrtb\clftsWidth2\clwWidth1500\clcbpatraw18 \cellx9468\pard\plain \ltrpar
\s17\qr \li0\ri0\widctlpar\intbl\tqc\tx4680\tqr\tx9360\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang1033\langfe1028\loch\af37\hich\af37\dbch\af14\cgrid\langnp1033\langfenp1028 {
\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10238123\charrsid7617376 \cell }{\field{\*\fldinst {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10238123\charrsid7617376 \hich\af37\dbch\af14\loch\f37  PAGE    \\* MERGEFORMAT }}{\fldrslt {\rtlch\fcs1 \af0 \ltrch\fcs0 
\cf8\lang1024\langfe1024\noproof\insrsid6824237\charrsid6824237 \hich\af37\dbch\af14\loch\f37 22}}}\sectd \ltrsect\linex0\endnhere\sectdefaultcl\sftnbj {\rtlch\fcs1 \af0 \ltrch\fcs0 \cf8\insrsid10238123\charrsid7617376 \cell }\pard\plain \ltrpar
\ql \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang1033\langfe1028\loch\af37\hich\af37\dbch\af14\cgrid\langnp1033\langfenp1028 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\insrsid10238123\charrsid7617376 \trowd \irow0\irowband0\lastrow \ltrrow\ts11\tsrowd\trgaph108\trrh360\trbrdrt\brdrs\brdrw10\brdrcf18 
\trftsWidth2\trwWidth5000\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrs\brdrw10\brdrcf18 \clbrdrl\brdrtbl \clbrdrb\brdrtbl 
\clbrdrr\brdrtbl \cltxlrtb\clftsWidth2\clwWidth3500\clshdrawnil \cellx6595\clvertalt\clbrdrt\brdrs\brdrw10\brdrcf18 \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \clcbpat18\cltxlrtb\clftsWidth2\clwWidth1500\clcbpatraw18 \cellx9468\row 
}\pard\plain \ltrpar\s17\ql \li0\ri0\widctlpar\tqc\tx4680\tqr\tx9360\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 
\fs22\lang1033\langfe1028\loch\af37\hich\af37\dbch\af14\cgrid\langnp1033\langfenp1028 {\rtlch\fcs1 \af0 \ltrch\fcs0 \insrsid10238123 
\par }}{\*\pnseclvl1\pnucrm\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl2\pnucltr\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl3\pndec\pnstart1\pnindent720\pnhang {\pntxta .}}{\*\pnseclvl4\pnlcltr\pnstart1\pnindent720\pnhang {\pntxta )}}
{\*\pnseclvl5\pndec\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl6\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl7\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl8
\pnlcltr\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}{\*\pnseclvl9\pnlcrm\pnstart1\pnindent720\pnhang {\pntxtb (}{\pntxta )}}\pard\plain \ltrpar
\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10238123 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \fs22\lang1033\langfe1028\loch\af37\hich\af37\dbch\af14\cgrid\langnp1033\langfenp1028 {\rtlch\fcs1 
\af0\afs18 \ltrch\fcs0 \b\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10496796\charrsid10238123 \hich\af0\dbch\af35\loch\f0 IN THE HIGH COURT OF FIJI}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9069085\charrsid10238123 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10496796\charrsid10238123 \hich\af0\dbch\af35\loch\f0 IN }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12011751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 LABASA}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10496796\charrsid10238123 
\par \hich\af0\dbch\af35\loch\f0 CIVIL JURISDICTION
\par 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10496796\charrsid10238123 \hich\af0\dbch\af35\loch\f0 CASE NUMBER:}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10496796\charrsid10238123 \hich\af0\dbch\af35\loch\f0 HBC }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12011751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 02}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10496796\charrsid10238123 \hich\af0\dbch\af35\loch\f0  OF 20}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12011751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 06}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10496796\charrsid10238123 
\par 
\par }\pard \ltrpar\qc \fi-3600\li3600\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin3600\itap0\pararsid10238123 {\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10496796\charrsid10238123 \hich\af0\dbch\af35\loch\f0 BETWEEN:}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 

\par 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12011751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 MOHAMMED ALAM}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10496796\charrsid10238123 
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10238123 {\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10496796\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 PLAINTIFF
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10496796\charrsid10238123 \hich\af0\dbch\af35\loch\f0 AND:}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\par 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12011751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 COLONIAL NATIONAL BANK}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10496796 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12011751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 1ST DEFENDANT}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10496796\charrsid10238123 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10496796\charrsid10238123 \hich\af0\dbch\af35\loch\f0 AND:}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\par 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12011751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 QUEENSLAND INSURANCE (FIJI) LIMITED}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10496796\charrsid10238123 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12011751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 2ND }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2773490\charrsid10238123 \hich\af0\dbch\af35\loch\f0 DEFENDANT}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10496796\charrsid10238123 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10496796\charrsid10238123 \hich\af0\dbch\af35\loch\f0 AND:}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\par 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12011751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 REGISTRAR OF TITLES}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10496796\charrsid10238123 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12011751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 3RD }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2773490\charrsid10238123 \hich\af0\dbch\af35\loch\f0 DEFEN\hich\af0\dbch\af35\loch\f0 DANT}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10496796\charrsid10238123 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10496796\charrsid10238123 \hich\af0\dbch\af35\loch\f0 AND:}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\par 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5791580\charrsid10238123 \hich\af0\dbch\af35\loch\f0 MOHAMMED SHAMEEM}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12011751\charrsid10238123 \hich\af0\dbch\af35\loch\f0  AIRUD KHAN}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10496796\charrsid10238123 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12011751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 4TH}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10496796\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2773490\charrsid10238123 \hich\af0\dbch\af35\loch\f0 DEFENDANT}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10496796\charrsid10238123 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10238123 {\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2773490\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Appearances}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 \hich\af0\dbch\af35\loch\f0  : }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2773490\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Mr. A. }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12011751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Sen}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2773490\charrsid10238123 \hich\af0\dbch\af35\loch\f0  for the Plaintiff}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6505848\charrsid10238123 .}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10496796\charrsid10238123 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2773490\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Mr. }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12011751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 C. B. Young and Mr. Sharma for the 1st Defendant.}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2773490\charrsid10238123 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12011751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Mr. P. McD}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5791580\charrsid10238123 \hich\af0\dbch\af35\loch\f0 onnell }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12011751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 for the 2nd Defendant.
\par \hich\af0\dbch\af35\loch\f0 Mr. Mainavolau for the 3rd Defendant.
\par \hich\af0\dbch\af35\loch\f0 4th Defendant in Person.
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12011751\charrsid10238123 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13319443\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Date/Place of Judgment}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2773490\charrsid10238123 \hich\af0\dbch\af35\loch\f0 :}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5791580\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Mond}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2773490\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ay }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5791580\charrsid10238123 \hich\af0\dbch\af35\loch\f0 02}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12011751\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5332997\charrsid10238123 \hich\af0\dbch\af35\loch\f0 J}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5791580\charrsid10238123 \hich\af0\dbch\af35\loch\f0 une}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5332997\charrsid10238123 \hich\af0\dbch\af35\loch\f0  2014}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2773490\charrsid10238123 \hich\af0\dbch\af35\loch\f0  at }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5791580\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Suva}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2773490\charrsid10238123 .}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2773490\charrsid10238123 
\par \hich\af0\dbch\af35\loch\f0 Coram:}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2773490\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The Hon. Madam Justice Anjala Wati.}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2773490\charrsid10238123 
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10238123 {\rtlch\fcs1 \af0\afs28 \ltrch\fcs0 \b\fs24\ulth\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237 
\par }{\rtlch\fcs1 \af0\afs28 \ltrch\fcs0 \b\fs24\ulth\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10567363\charrsid10238123 \hich\af0\dbch\af35\loch\f0 JUDGMENT}{\rtlch\fcs1 \af0\afs28 \ltrch\fcs0 
\b\fs24\ulth\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2773490\charrsid10238123 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10238123 {\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8941595\charrsid10238123 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11349688\charrsid10238123 \hich\af0\dbch\af35\loch\f0 C}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0 atchwords}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11349688\charrsid10238123 \hich\af0\dbch\af35\loch\f0 :}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3958132\charrsid10238123 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0 M}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1069042\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ortgaged property d}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0 amaged by }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1069042\charrsid10238123 \hich\af0\dbch\af35\loch\f0 f}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ire \hich\f0 \endash \loch\f0  Substantial }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1069042\charrsid10238123 \hich\af0\dbch\af35\loch\f0 debt and \hich\af0\dbch\af35\loch\f0 a}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0 rrears on the }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1069042\charrsid10238123 \hich\af0\dbch\af35\loch\f0 mortgaged p}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0 roperty }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1069042\charrsid10238123 \hich\af0\dbch\af35\loch\f0 when the property d}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0 amaged \hich\f0 \endash \loch\f0  }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1069042\charrsid10238123 \hich\af0\dbch\af35\loch\f0 f}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ire being one of the }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11216289\charrsid10238123 \hich\af0\dbch\af35\loch\f0 i}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1069042\charrsid10238123 \hich\af0\dbch\af35\loch\f0 nsured }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11216289\charrsid10238123 \hich\af0\dbch\af35\loch\f0 p}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0 erils}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7812634\charrsid10238123 \hich\af0\dbch\af35\loch\f0 - }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11216289\charrsid10238123 \hich\af0\dbch\af35\loch\f0 b}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11216289\charrsid10238123 \hich\af0\dbch\af35\loch\f0 as mortgagee settles the c}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0 laim for an amount far less than the loss \hich\f0 \endash }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11216289\charrsid10238123 \hich\af0\dbch\af35\loch\f0 m}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ortgagor sues }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11216289\charrsid10238123 \hich\af0\dbch\af35\loch\f0 on grounds of bad faith by the bank and i}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0 nsurer \hich\f0 \endash }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11216289\charrsid10238123 \hich\af0\dbch\af35\loch\f0  i}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ndemnity }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11216289\charrsid10238123 \hich\af0\dbch\af35\loch\f0 c}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1069042\charrsid10238123 \hich\af0\dbch\af35\loch\f0 onditi\hich\af0\dbch\af35\loch\f0 on for }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11216289\charrsid10238123 \hich\af0\dbch\af35\loch\f0 c}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1069042\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ontents- }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11216289\charrsid10238123 \hich\af0\dbch\af35\loch\f0 w}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1069042\charrsid10238123 \hich\af0\dbch\af35\loch\f0 hether }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11216289\charrsid10238123 \hich\af0\dbch\af35\loch\f0 c}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1069042\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ontents }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11216289\charrsid10238123 \hich\af0\dbch\af35\loch\f0 i}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1069042\charrsid10238123 \hich\af0\dbch\af35\loch\f0 nsured too- }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11216289\charrsid10238123 \hich\af0\dbch\af35\loch\f0 w}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1069042\charrsid10238123 \hich\af0\dbch\af35\loch\f0 hether }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11216289\charrsid10238123 \hich\af0\dbch\af35\loch\f0 b}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank misrepresented that contents insured too \hich\f0 \endash \loch\f0  }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11216289\charrsid10238123 \hich\af0\dbch\af35\loch\f0 determining the p}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0 arti}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11216289\charrsid10238123 \hich\af0\dbch\af35\loch\f0 e}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s to the contract of insurance \hich\f0 \endash }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11216289\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0 hould compromise be subject to mortgagee}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s consent}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13138976\charrsid10238123 -}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11216289\charrsid10238123 \hich\af0\dbch\af35\loch\f0 m}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0 aterial }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11216289\charrsid10238123 \hich\af0\dbch\af35\loch\f0 non-disclosure- principles of materia\hich\af0\dbch\af35\loch\f0 l non-disclosure- breaches of CCA and FTD raised- value of m
}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ortgagee sale \hich\f0 \endash }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11216289\charrsid10238123 \hich\af0\dbch\af35\loch\f0  m}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0 easure }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11216289\charrsid10238123 \hich\af0\dbch\af35\loch\f0 of damages- interest on damages- d}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0 oes compromise bind the owner of the property.}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13138976\charrsid10238123 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9651334\charrsid10238123 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3958132\charrsid10238123 \hich\af0\dbch\af35\loch\f0 C}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ases}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13138976\charrsid10238123 \hich\af0\dbch\af35\loch\f0 /T}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0 exts}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3958132\charrsid10238123 \hich\af0\dbch\af35\loch\f0  R}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0 eferred To}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3958132\charrsid10238123 \hich\af0\dbch\af35\loch\f0 :
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5844766\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Clarke, M. A }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5844766\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 The Law of Insurance Contracts}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5844766\charrsid10238123 \hich\af0\dbch\af35\loch\f0 , Third Edition, Lon\hich\af0\dbch\af35\loch\f0 don, 1997.}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5791580\charrsid10238123 
\par }\pard \ltrpar\ql \fi-720\li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10238123 {\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10565781\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Westminster Fire Office v. Glasgow Provident Investment Sy (1883) 13 App Cas 699.
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11889284\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Anctil v. Manufacturers}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11889284\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  Life Ins Co [1899] AC 604.
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1129011\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Ebsworth v. Alliance Marine Insurance Co (1873) LR 8 CP 596}{\rtlch\fcs1 \af0\afs18 
\ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13319443\charrsid10238123 .}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1129011\charrsid10238123 

\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10238123 {\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15095570\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Boulton v Houlder Bros & Co. [1904] 1 KB 784.}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9651334\charrsid10238123 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15095570\charrsid10238123 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5791580\charrsid10238123 \hich\af0\dbch\af35\loch\f0 L}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0 eg\hich\af0\dbch\af35\loch\f0 islation}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5791580\charrsid10238123 \hich\af0\dbch\af35\loch\f0 :
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5791580\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The Consumer Credit Act 1999 (}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5791580\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 CCA}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5791580\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ): }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11040212\charrsid10238123 \hich\af0\dbch\af35\loch\f0 S}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5791580\charrsid10238123 .}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2894183\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  80}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5791580\charrsid10238123 
\par }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13397988\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The Fair Trading Decree 1992 (}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13397988\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 FTD}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13397988\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ): }{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11040212\charrsid10238123 \hich\af0\dbch\af35\loch\f0 S}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13397988\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s.}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2894183\charrsid10238123 \hich\af0\dbch\af35\loch\f0  54, 55}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1056364\charrsid10238123 \hich\af0\dbch\af35\loch\f0 , 126(2), 127(3), and 127(5).}{\rtlch\fcs1 \af0\afs18 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13397988\charrsid10238123 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\brdrb\brdrs\brdrw30\brsp20 \wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10238123 {\rtlch\fcs1 \af0\afs40 \ltrch\fcs0 
\b\fs24\ulth\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2773490\charrsid10238123 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10238123 {\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15604424\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 The Background}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952\charrsid10238123 \hich\af0\dbch\af35\loch\f0 1.\tab We have all heard of fire }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14816825\charrsid10238123 \hich\af0\dbch\af35\loch\f0 breaking}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952\charrsid10238123 \hich\af0\dbch\af35\loch\f0  out at Diwali nights and engulfing houses and people. The night of D\hich\af0\dbch\af35\loch\f0 iwali}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13397988\charrsid10238123 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  on 26 October 2003}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13397988\charrsid10238123 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952\charrsid10238123 \hich\af0\dbch\af35\loch\f0  was indeed one of a nightmare for the plaintiff and his family. His three storey house caught fire from a neighbouring property}
{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13397988\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . Except}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952\charrsid10238123 \hich\af0\dbch\af35\loch\f0  for any lives and }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13397988\charrsid10238123 \hich\af0\dbch\af35\loch\f0 a }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952\charrsid10238123 \hich\af0\dbch\af35\loch\f0 refrigerator,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13397988\charrsid10238123 \hich\af0\dbch\af35\loch\f0  the plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952\charrsid10238123 \hich\af0\dbch\af35\loch\f0  lost everything he had had. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952\charrsid10238123 \hich\af0\dbch\af35\loch\f0 2.\tab The property\hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3223798\charrsid10238123 \hich\af0\dbch\af35\loch\f0 is }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10567363\charrsid10238123 \hich\af0\dbch\af35\loch\f0 described as Native Lease No. 20503 being Lot 64 as shown on Lot 9, Seaqaqa Township in the province of Macuata in the island}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3223798\charrsid10238123 \hich\af0\dbch\af35\loch\f0  of Vanua Levu containing 22. 7perches. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10567363\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The building on the property was used for comme}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 rcial and residential purposes.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10567363 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10567363\charrsid10238123 \hich\af0\dbch\af35\loch\f0 3.\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14816825\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The \hich\af0\dbch\af35\loch\f0 property}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10567363\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952\charrsid10238123 \hich\af0\dbch\af35\loch\f0 was under mortgage to the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14816825\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14816825\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 had a first registered charge over the same. The 2nd defendant was the insurer of the property. The maximum cover was for $240,000.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 4}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13521558\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank settled the claim for loss in the sum of $79,000 without refe\hich\af0\dbch\af35\loch\f0 
rence to the plaintiff. The settlement sum was less than the mortgage debt}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13521558\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 and the value of the loss}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . To recover the shortfall}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10567363\charrsid10238123 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  the plaintiff entered into a sale and purchase agreement with the 4th defendant which was subject to the plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s right to re\hich\af0\dbch\af35\loch\f0 deem the debt.}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 5}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The plaintiff }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10567363\charrsid10238123 \hich\af0\dbch\af35\loch\f0 then }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952\charrsid10238123 \hich\af0\dbch\af35\loch\f0 o}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10567363\charrsid10238123 \hich\af0\dbch\af35\loch\f0 btained an injunction from the C}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ourt stopping the mortgagee sale. The injunction is intact and its fate will be determined upon the determination of the matter.}
{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 6}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab The plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s case ar}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13521558\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ises out of the actions of t\hich\af0\dbch\af35\loch\f0 he B}
{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank in settling the claim with the insurance company without reference to him and at a sum lesser than the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13521558\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 value of the loss}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11890952 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 7}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14696703\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14108493\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The plaintiff says that a}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14696703\charrsid10238123 \hich\af0\dbch\af35\loch\f0 t the time of advancement of the monies, the plaintiff had arranged and nominated its insurance \hich\af0\dbch\af35\loch\f0 
company being Tower Insurance as its nominated insurer to provide a comprehensive insurance policy in the event of any loss to the plaintiff as described in the policy.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4352007 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 8}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14696703\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab Prior to year 2001, the plaintiff says that he had insured all his improvements on\hich\af0\dbch\af35\loch\f0 
 the said property to Tower Insurance and had paid his necessary premium to seek indemnity in the event of loss sustained by fire and other risks as prescribed in the policy of insurance.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14696703 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 9}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14696703\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab Sometimes in year 2001, before the expiry of the policy of insu\hich\af0\dbch\af35\loch\f0 
rance from Tower Insurance, the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14816825\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14696703\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
informed the plaintiff that it had arranged and nominated its own insurance company namely the 2nd defendant to provide cover to him for a sum of $240,000 in consideration of premium in a sum of $1,680.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14696703 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 10}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14696703\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab The plaint\hich\af0\dbch\af35\loch\f0 iff says that he accepted the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14816825\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14816825\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14696703\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
proposal for arrangement of insurance with the 2nd defendant and further authorized it to deduct the premium from his account to provide indemnity up to the sum of $240,000.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14696703 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 11}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14696703\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14037976\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 In consideration of the premium paid by \hich\af0\dbch\af35\loch\f0 the plaintiff to the 2nd defendant, the 2nd defendant agreed to indemnify the plaintiff in respect of any loss or damage to the building, fixtures, chattels, }
{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13521558\charrsid10238123 \hich\af0\dbch\af35\loch\f0 equipment}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14037976\charrsid10238123 \hich\af0\dbch\af35\loch\f0 , plant & machinery and stocks to the extent of $240,000.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14696703 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 12}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14037976\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab The }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13521558\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Insurance Company}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14037976\charrsid10238123 \hich\af0\dbch\af35\loch\f0  iss\hich\af0\dbch\af35\loch\f0 ue}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10567363\charrsid10238123 \hich\af0\dbch\af35\loch\f0 d}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14037976\charrsid10238123 \hich\af0\dbch\af35\loch\f0  to the plaintiff an insurance policy through the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13521558\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14037976\charrsid10238123 \hich\af0\dbch\af35\loch\f0  and the same }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3223798\charrsid10238123 \hich\af0\dbch\af35\loch\f0 was }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14037976\charrsid10238123 \hich\af0\dbch\af35\loch\f0 retained by the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13521558\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid481586\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 13.\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid481586\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Due to the fire, the plaintiff says that it suffered loss or damage to the extent of $267,000 which were made up as follows:
\par }\pard \ltrpar\ql \fi-720\li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10238123 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11418606\charrsid10238123 
\par \ltrrow}\trowd \irow0\irowband0\ltrrow\ts23\trgaph108\trleft612\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10238123\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind720\tblindtype3 \clvertalt
\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4788\clshdrawnil \cellx5034\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4788\clshdrawnil 
\cellx9468\pard \ltrpar\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10238123 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (i) \tab Cost of reconstruction \hich\af0\dbch\af35\loch\f0 of the building\cell -\tab \hich\af0\dbch\af35\loch\f0 $150,000.
\cell }\pard \ltrpar\ql \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\trowd \irow0\irowband0\ltrrow\ts23\trgaph108\trleft612\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10238123\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind720\tblindtype3 \clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4788\clshdrawnil \cellx5034\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4788\clshdrawnil \cellx9468
\row \ltrrow}\pard \ltrpar\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10238123 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (ii)\tab Household Items\cell -\tab \hich\af0\dbch\af35\loch\f0 $ 20,000.\cell }\pard \ltrpar
\ql \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 \trowd \irow1\irowband1\ltrrow
\ts23\trgaph108\trleft612\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10238123\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind720\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb
\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4788\clshdrawnil \cellx5034\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4788\clshdrawnil \cellx9468\row \ltrrow}\pard \ltrpar
\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10238123 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 (iii)\tab Fixtures and Fittings\cell -\tab \hich\af0\dbch\af35\loch\f0 $ 25,000.\cell }\pard \ltrpar\ql \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 \trowd \irow2\irowband2\ltrrow
\ts23\trgaph108\trleft612\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10238123\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind720\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb
\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4788\clshdrawnil \cellx5034\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4788\clshdrawnil \cellx9468\row \ltrrow}\pard \ltrpar
\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10238123 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 (iv) \tab Personal Chattels\cell -\tab \hich\af0\dbch\af35\loch\f0 $ 15,000.\cell }\pard \ltrpar\ql \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 \trowd \irow3\irowband3\ltrrow
\ts23\trgaph108\trleft612\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10238123\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind720\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb
\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4788\clshdrawnil \cellx5034\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4788\clshdrawnil \cellx9468\row \ltrrow}\pard \ltrpar
\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10238123 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 (v)\tab Stock\cell -\tab \hich\af0\dbch\af35\loch\f0 $ 35,000.\cell }\pard \ltrpar\ql \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 \trowd \irow4\irowband4\ltrrow
\ts23\trgaph108\trleft612\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10238123\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind720\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb
\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4788\clshdrawnil \cellx5034\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4788\clshdrawnil \cellx9468\row \ltrrow}\pard \ltrpar
\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10238123 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 (vi) \tab Plant & Machinery\cell -\tab \hich\af0\dbch\af35\loch\f0 $ 12,000.\cell }\pard \ltrpar\ql \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 \trowd \irow5\irowband5\ltrrow
\ts23\trgaph108\trleft612\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10238123\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind720\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb
\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4788\clshdrawnil \cellx5034\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4788\clshdrawnil \cellx9468\row \ltrrow}\pard \ltrpar
\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid10238123 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 (vii)\tab Cash\cell -\tab \hich\af0\dbch\af35\loch\f0 $ 10,000\cell }\pard \ltrpar\ql \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 \trowd \irow6\irowband6\lastrow \ltrrow
\ts23\trgaph108\trleft612\trftsWidth1\trftsWidthB3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid10238123\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind720\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb
\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4788\clshdrawnil \cellx5034\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4788\clshdrawnil \cellx9468\row }\pard \ltrpar
\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10238123 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 14}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid481586\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The plaintiff says that he\hich\af0\dbch\af35\loch\f0  notified the defendants of the loss by fire. The }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12540399\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 had promised, assured, undertaken and made representation to the plaintiff that it would have the plaintiff compensated for the actual loss sustained by him. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 15.\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid481586\charrsid10238123 \hich\af0\dbch\af35\loch\f0 On or about 16}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid481586\charrsid10238123 \hich\af0\dbch\af35\loch\f0 November 2004, the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12540399\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Ban\hich\af0\dbch\af35\loch\f0 k}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid481586\charrsid10238123 \hich\af0\dbch\af35\loch\f0  advised the plaintiff that their insurance broker namely Marsh Limited had finalized a settlement figure with the }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12540399\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Insurance Company in the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid481586\charrsid10238123 \hich\af0\dbch\af35\loch\f0 sum of $79,000 and requested the plaintiff to indicate his acceptance by signing a memorandum of agreement before a
\hich\af0\dbch\af35\loch\f0  Justice of Peace or Commissioner for Oaths.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid481586 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 16}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12540399\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 Upon }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11418606\charrsid10238123 \hich\af0\dbch\af35\loch\f0 receiving the letter of 16 November 2004, the pl}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1404274\charrsid10238123 \hich\af0\dbch\af35\loch\f0 aintiff did not accept the settlement}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11418606\charrsid10238123 \hich\af0\dbch\af35\loch\f0  figure and categorically rejected the same by advising the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12540399\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11418606\charrsid10238123 \hich\af0\dbch\af35\loch\f0  in writing by a letter dated 26 November 2004 that \hich\af0\dbch\af35\loch\f0 the loss s}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3223798\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ustained by him was in excess F}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11418606\charrsid10238123 \hich\af0\dbch\af35\loch\f0 $240,000. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11418606 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 17}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11418606\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 
The plaintiff says that he also informed one Elvira Hazelman Koroi Adi, an employee of Marsh Limited that the settlement figure proposed was not acceptable and that it should pay for the actual loss \hich\af0\dbch\af35\loch\f0 sustained.}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11418606 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 18.\tab 
Subsequently, the Bank and the Insurance Company settled the claim at $79,000 without informing the plaintiff. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 19.\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11418606\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3046796\charrsid10238123 \hich\af0\dbch\af35\loch\f0  plaintiff says that the}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11418606\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12540399\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11418606\charrsid10238123 \hich\af0\dbch\af35\loch\f0 was under a contractual and or legal duty to take reasonable skill and care to ensure that\hich\af0\dbch\af35\loch\f0 
 the plaintiff was adequately compensated for the said loss sustained by him but it failed to do so.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11418606 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 20}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12540399\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114\charrsid10238123 \hich\af0\dbch\af35\loch\f0  breached its duty by failing to exercise due care, skill and diligence to ensure that it honored its}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 contractual and/ or legal duty, represen\hich\af0\dbch\af35\loch\f0 tation, statement, promise, assurance and undertaking given to the plaintiff and by reasons of its negligent, deceptive, false}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 and/or fraudulent statement, the plaintiff has suffered loss and damages.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 21}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The plaintiff }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3046796\charrsid10238123 \hich\af0\dbch\af35\loch\f0 says that the defendant }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114\charrsid10238123 \hich\af0\dbch\af35\loch\f0 is proposing\hich\af0\dbch\af35\loch\f0  to sell the property in the sum of $33,000}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3046796\charrsid10238123 \hich\af0\dbch\af35\loch\f0  to the 4th defendant}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . At the time of the loss, the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3046796\charrsid10238123 \hich\af0\dbch\af35\loch\f0 mortgage debt was in the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114\charrsid10238123 \hich\af0\dbch\af35\loch\f0 vicinity of $100,000.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 22}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab The plaintiff says that he is entitled to sum of $240}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4675387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 , 000}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114\charrsid10238123 \hich\af0\dbch\af35\loch\f0  for the loss sustained by him to be paid by the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13521558\charrsid10238123 \hich\af0\dbch\af35\loch\f0 B\hich\af0\dbch\af35\loch\f0 ank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114\charrsid10238123 \hich\af0\dbch\af35\loch\f0  under the policy of insurance upon payment of which the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12540399\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114\charrsid10238123 \hich\af0\dbch\af35\loch\f0  would have been entitled to have the mortgage debt paid leaving a balance of at least $140,000 being surplus to the plaintiff.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 23}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The defendants had been advised that the plaintiff was will\hich\af0\dbch\af35\loch\f0 
ing to reconstruct a building on the said lease upon payment of his insurance claim.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 24}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12540399\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114\charrsid10238123 \hich\af0\dbch\af35\loch\f0  is not entitled to sell the property by way of mortgagee sale without having the plaintiff adequately compensated. The }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12540399\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114\charrsid10238123 \hich\af0\dbch\af35\loch\f0 is guilty of delay in having the \hich\af0\dbch\af35\loch\f0 claim process}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ed}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114\charrsid10238123 \hich\af0\dbch\af35\loch\f0  and the plaintiff is incurring continuous loss to his business.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 25}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The action of the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12540399\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114\charrsid10238123 \hich\af0\dbch\af35\loch\f0  is unjust, unfair, unconscionable and in breach of its contractual and lega}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3178322\charrsid10238123 \hich\af0\dbch\af35\loch\f0 l duty of care to the plaintiff and in breach of ss. 75, 76, 80, 81 and 8\hich\af0\dbch\af35\loch\f0 3 of the C}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12540399\charrsid10238123 \hich\af0\dbch\af35\loch\f0 CA}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3178322\charrsid10238123 \hich\af0\dbch\af35\loch\f0  in that the plaintiff was not provided with the statement of payout figure after}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12540399\charrsid10238123 \hich\af0\dbch\af35\loch\f0  the}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3178322\charrsid10238123 \hich\af0\dbch\af35\loch\f0  monies were received by the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12540399\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3178322\charrsid10238123 \hich\af0\dbch\af35\loch\f0  from the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12540399\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Insurance Company}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3178322\charrsid10238123 \hich\af0\dbch\af35\loch\f0  and that the plaintiff was not provided with a default notice in accordance with s. 80 of the C}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13521558\charrsid10238123 \hich\af0\dbch\af35\loch\f0 CA}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3178322\charrsid10238123 .\hich\af0\dbch\af35\loch\f0  The }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13521558\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3178322\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 has thus committed an offence and the plaintiff is entitled to be indemnified under ss. 100 to 105 of the CCA. The 1st defendant has also breached ss. 54 and 56 }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12540399\charrsid10238123 \hich\af0\dbch\af35\loch\f0 of the FTD.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 26.\tab The}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114\charrsid10238123 \hich\af0\dbch\af35\loch\f0  plaintiff says that there existed a legal relationship of proxim\hich\af0\dbch\af35\loch\f0 ity between the plaintiff and the }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13521558\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Insurance Company}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114\charrsid10238123 \hich\af0\dbch\af35\loch\f0  having regards to the facts}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3178322\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13909114 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 27}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3178322\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab The plaintiff therefore seeks the following relief:-}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3178322 
\par }\pard \ltrpar\ql \li567\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid10238123 {\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3178322\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (i)}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3178322\charrsid10238123 \tab 
\hich\af0\dbch\af35\loch\f0 A declaration that the 1st defendant has breached ss. 100 to 105 of the CCA.
\par \hich\af0\dbch\af35\loch\f0 (ii)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3178322\charrsid10238123 \tab \hich\af0\dbch\af35\loch\f0 A declaration that the plai\hich\af0\dbch\af35\loch\f0 ntiff is entitled to be indemnified under part 6 Division}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3178322\charrsid10238123 \hich\af0\dbch\af35\loch\f0 1 of the CCA.
\par \hich\af0\dbch\af35\loch\f0 (iii)\tab A declaration that the plaintiff is entitled for c}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ompensation under s. 98 of the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3178322\charrsid10238123 \hich\af0\dbch\af35\loch\f0 CCA.
\par \hich\af0\dbch\af35\loch\f0 (iv)\tab Judgment for a sum of $140,000 against the defendants}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3178322\charrsid10238123 .
\par \hich\af0\dbch\af35\loch\f0 (v) \tab Judgment for loss of busin\hich\af0\dbch\af35\loch\f0 ess at the rate of $15,000 per annum.
\par \hich\af0\dbch\af35\loch\f0 (vi)\tab General damages.
\par \hich\af0\dbch\af35\loch\f0 (vii)\tab An order that the 1st defendant discharges the mortgage over the said property.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1459823\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (viii)\tab Alternatively a declaration that the defendants have breached ss. 54 and 56 of the 
\tab FTD.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3178322\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1459823\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (ix) \tab A declar\hich\af0\dbch\af35\loch\f0 ation that the plaintiff is entitled for compensat}
{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ion under s. 7(1) of the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1459823\charrsid10238123 \hich\af0\dbch\af35\loch\f0 FTD and an assessment of such compensation be made by the Court.
\par \hich\af0\dbch\af35\loch\f0 (x)\tab Interest at the rate of 13.5 % per annum from 26 O}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 
ctober 2003 or such other date }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1459823\charrsid10238123 \hich\af0\dbch\af35\loch\f0 as the Court may decide.
\par \hich\af0\dbch\af35\loch\f0 (xi)\tab A\hich\af0\dbch\af35\loch\f0 n injunction restraining the 1st defendant from exercising its powers of sale o}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1397185\charrsid10238123 \hich\af0\dbch\af35\loch\f0 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7757387\charrsid10238123 \hich\af0\dbch\af35\loch\f0  the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1459823\charrsid10238123 \hich\af0\dbch\af35\loch\f0 property.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15604424\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1459823\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (xii)\tab Costs on full indemnity basis.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10238123 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1459823\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1459823\charrsid10238123 \hich\af0\dbch\af35\loch\f0 1st Defendant}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1459823\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s Defence}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11554113\charrsid10238123 \hich\af0\dbch\af35\loch\f0  and Counter-Claim}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15604424 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1459823\charrsid10238123 \hich\af0\dbch\af35\loch\f0 2}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12333028\charrsid10238123 \hich\af0\dbch\af35\loch\f0 8}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1459823\charrsid10238123 
.\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11554113\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13173866\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11554113\charrsid10238123 \hich\af0\dbch\af35\loch\f0  admits that the plaintiff was the registered proprietor of the prop\hich\af0\dbch\af35\loch\f0 
erty and that it had a first registered mortgage over the said property}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10360280\charrsid10238123 \hich\af0\dbch\af35\loch\f0  which was destroyed }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14108493\charrsid10238123 \hich\af0\dbch\af35\loch\f0 by}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10360280\charrsid10238123 \hich\af0\dbch\af35\loch\f0  fire on or about 26 October 2003 and the plaintiff notified the defendants of the loss by fire}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11554113\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . The property was sold to the 4th defendant under mortgagee sale}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10360280\charrsid10238123 \hich\af0\dbch\af35\loch\f0  i\hich\af0\dbch\af35\loch\f0 n the sum $33,000}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11554113\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10360280\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
The defendant had always informed the plaintiff that it intended to exercise its rights of mortgagee sale when he had defaulted in the loan payment.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15604424 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12333028\charrsid10238123 \hich\af0\dbch\af35\loch\f0 29}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11554113\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13173866\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11554113\charrsid10238123 \hich\af0\dbch\af35\loch\f0 says that the plaintiff had allowed the insurance wit}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10360280\charrsid10238123 \hich\af0\dbch\af35\loch\f0 h}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11554113\charrsid10238123 \hich\af0\dbch\af35\loch\f0  Tower Insurance to \hich\af0\dbch\af35\loch\f0 lapse which was contrary to the loan agreement.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10360280\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 It was a term of the loan that the plaintiff insured the property. He defaulted in his obligation to do so and also defaulted in his repayments}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13173866\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10360280\charrsid10238123 \hich\af0\dbch\af35\loch\f0 As a result of this default, the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13173866\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10360280\charrsid10238123 \hich\af0\dbch\af35\loch\f0 took out an insurance cov\hich\af0\dbch\af35\loch\f0 
er over the said property as the insured and the plaintiff had no right in respect of the insurance policy.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11554113 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12333028\charrsid10238123 \hich\af0\dbch\af35\loch\f0 30}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10360280\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 
As at 7 January 2009, the plaintiff owed the defendant a sum of $153, 740. It accepted from the insurance company a sum of $79,000 on the insur\hich\af0\dbch\af35\loch\f0 
ance cover. It was not under any obligation to the plaintiff to obtain an agreement from hi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14108493\charrsid10238123 \hich\af0\dbch\af35\loch\f0 m}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10360280\charrsid10238123 \hich\af0\dbch\af35\loch\f0  to accept the said sum. The }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4675387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10360280\charrsid10238123 \hich\af0\dbch\af35\loch\f0  also cannot dictate to the mortgagee as to how the said monies were to be applied.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10360280 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12333028\charrsid10238123 \hich\af0\dbch\af35\loch\f0 31}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10360280\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10360280\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s claim is statue barre\hich\af0\dbch\af35\loch\f0 d. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10360280 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12333028\charrsid10238123 \hich\af0\dbch\af35\loch\f0 32}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14108493\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 E}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10360280\charrsid10238123 \hich\af0\dbch\af35\loch\f0 xcept for the specific admissions, the 1st defendants denied each and every claim made by the plaintiff.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10360280 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12333028\charrsid10238123 \hich\af0\dbch\af35\loch\f0 33}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10360280\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The 1st }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14108493\charrsid10238123 \hich\af0\dbch\af35\loch\f0 defendants}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10360280\charrsid10238123 \hich\af0\dbch\af35\loch\f0  counterclaim is that as at 31 January 2006, the plaintiff is indebted to the 1st defendant in the sum of $101,950.92 
\hich\af0\dbch\af35\loch\f0 being the balance amount owing with interest accruing }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9065960\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
at the rate of 8.25 % per annum and the plaintiff o}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13173866\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ught to pay this amount to the Bank.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6827656\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11040212\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9065960\charrsid10238123 \hich\af0\dbch\af35\loch\f0 2nd Defendant}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9065960\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s Defence}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9065960 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12333028\charrsid10238123 \hich\af0\dbch\af35\loch\f0 34}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9065960\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13502853\charrsid10238123 \tab 
\hich\af0\dbch\af35\loch\f0 The }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13173866\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Insurance Company}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13502853\charrsid10238123 \hich\af0\dbch\af35\loch\f0  denied the claim of the plaintiff and stated that the plaintif\hich\af0\dbch\af35\loch\f0 
f had used the property for commercial purposes whilst the insurance policy provided for a residential cover. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13173866\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 It}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13502853\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 admitted that the plaintiff paid the premium through arrangements with the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13173866\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13502853\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . The insurance cover did not cover the contents in the premises\hich\af0\dbch\af35\loch\f0 
. The loss by fire was covered but there were certain exclusions under the terms and conditions of the cover.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10360280 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12333028\charrsid10238123 \hich\af0\dbch\af35\loch\f0 35}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13502853\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab The property caught fire and the plaintiff submitted an insurance claim form with the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13173866\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Insurance Company}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13502853\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13173866\charrsid10238123 \hich\af0\dbch\af35\loch\f0 It says }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13502853\charrsid10238123 \hich\af0\dbch\af35\loch\f0 that it does not know what \hich\af0\dbch\af35\loch\f0 
transpired between the parties but that it was approached by Marsh Limited and the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13173866\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13502853\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 and was informed that the parties had agreed to settle the matter for a sum of $79,000. A form of discharge was signed by the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13173866\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13502853\charrsid10238123 \hich\af0\dbch\af35\loch\f0  before the settlement funds were rele\hich\af0\dbch\af35\loch\f0 ased to the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13173866\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13502853\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . The plaintiff had informed }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13173866\charrsid10238123 \hich\af0\dbch\af35\loch\f0 the Insurance Company}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13502853\charrsid10238123 \hich\af0\dbch\af35\loch\f0  that he had no intention of reinstating the property.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13502853 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12333028\charrsid10238123 \hich\af0\dbch\af35\loch\f0 36}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13502853\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13173866\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 Si}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13502853\charrsid10238123 \hich\af0\dbch\af35\loch\f0 nce the claim was settled between the insured and the }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13173866\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank being the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13502853\charrsid10238123 \hich\af0\dbch\af35\loch\f0 insurer, }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13173866\charrsid10238123 \hich\af0\dbch\af35\loch\f0 it}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13502853\charrsid10238123 \hich\af0\dbch\af35\loch\f0  ought not to have been made a party to the proc\hich\af0\dbch\af35\loch\f0 eedings.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6827656\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4675387\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4675387\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s Reply to Defence and Defence to Counter-C}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6827656\charrsid10238123 \hich\af0\dbch\af35\loch\f0 laim}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15604424 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12333028\charrsid10238123 \hich\af0\dbch\af35\loch\f0 37}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6827656\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 
The plaintiff stated that his equity of redemption cannot be decided with reference to the sale and purchase agreement between the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15541612\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6827656\charrsid10238123 \hich\af0\dbch\af35\loch\f0  and the new buyer but with reference to the law\hich\af0\dbch\af35\loch\f0 
. The plaintiff never allowed the insurance on its property to lapse. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15541612\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The Bank }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6827656\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
had advised and informed him that it had arranged and nominated its own insurance company and that the premium would be deducted from the plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6827656\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s loan account.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15604424 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12333028\charrsid10238123 \hich\af0\dbch\af35\loch\f0 38}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6827656\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab The pol\hich\af0\dbch\af35\loch\f0 icy of insurance was issued for the benefit of the plaintiff except that the }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15541612\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6827656\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 was entitled to receive monies from any claim equivalent to the outstanding debt. Any further sums beyond the mortgage debt belonged to the plaintiff. The insurance policy st\hich\af0\dbch\af35\loch\f0 ates that the plaintiff is the insured. The }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15541612\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6827656\charrsid10238123 \hich\af0\dbch\af35\loch\f0  did not have any insurable interest.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6827656\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 The policy was always for the benefit of the plaintiff. The }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15541612\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6827656\charrsid10238123 \hich\af0\dbch\af35\loch\f0  was not entitled to accept payment under the policy and bring the policy to an end}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3942720\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15541612 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12333028\charrsid10238123 \hich\af0\dbch\af35\loch\f0 39}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15541612\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3942720\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 The mortgagee s\hich\af0\dbch\af35\loch\f0 ale was done without the plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3942720\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
s knowledge or any prior notice to him in breach of ss. 77 and 79 of the Property Law Act. The mortgagee sale has not been completed and he is the registered proprietor of this property.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6827656 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12333028\charrsid10238123 \hich\af0\dbch\af35\loch\f0 40}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3942720\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab After the loan agreement was\hich\af0\dbch\af35\loch\f0 
 finalized, the 1st defendant had informed the plaintiff that it had arranged and nominated its own insurance company and he was promised and assured by the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15541612\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3942720\charrsid10238123 \hich\af0\dbch\af35\loch\f0  that it would keep the property insured and undertook as well as promised and assured the plai\hich\af0\dbch\af35\loch\f0 
ntiff that it would regularly and punctually pay all the premiums and would not allow the policy to end without prior notice in writing to the plaintiff.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3942720 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12333028\charrsid10238123 \hich\af0\dbch\af35\loch\f0 41}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3942720\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab All the insurance premium was deducted from the plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3942720\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s loan account. The 1st defendant is t\hich\af0\dbch\af35\loch\f0 herefore stopped from claiming that the policy }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14108493\charrsid10238123 \hich\af0\dbch\af35\loch\f0 was for}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3942720\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 its benefit. The plaintiff was never informed or advised that his policy had lapsed requiring him to pay the premium and to make his own arrangements. The plaintiff relied on the, assurance and promise\hich\af0\dbch\af35\loch\f0  of the }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15541612\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3942720\charrsid10238123 \hich\af0\dbch\af35\loch\f0  which took place in the course of the dealing between the parties.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3942720 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12333028\charrsid10238123 \hich\af0\dbch\af35\loch\f0 42}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3942720\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The plaintiff says that he is not in any way indebted to the}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15541612\charrsid10238123 \hich\af0\dbch\af35\loch\f0  Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3942720\charrsid10238123 .
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15604424\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid540026\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The Evidence}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid540026 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12333028\charrsid10238123 \hich\af0\dbch\af35\loch\f0 PW 1 - Mohammed Alam - }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid540026\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Examination in Chief
\par 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid540026\charrsid10238123 \hich\af0\dbch\af35\loch\f0 4}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3433422\charrsid10238123 \hich\af0\dbch\af35\loch\f0 3}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid540026\charrsid10238123 .
\tab \hich\af0\dbch\af35\loch\f0 The subject property in Seaqaqa was over\hich\af0\dbch\af35\loch\f0  a commercial lease. The property had a three storey building and had a store too. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16001626\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The property was built}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid540026\charrsid10238123 \hich\af0\dbch\af35\loch\f0  in 1994 on loan from ANZ. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16001626 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7691425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 44}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16001626\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid540026\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 In 2000, he changed the financier because the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16001626\charrsid10238123 \hich\af0\dbch\af35\loch\f0 O}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid540026\charrsid10238123 \hich\af0\dbch\af35\loch\f0 fficers of the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16001626\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid540026\charrsid10238123 \hich\af0\dbch\af35\loch\f0  had come to his place and asked him if he could tak\hich\af0\dbch\af35\loch\f0 e the loan from them becaus}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16001626\charrsid10238123 \hich\af0\dbch\af35\loch\f0 e everything was good in their B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid540026\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank. He considered their proposal. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16001626 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7691425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 45}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16001626\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 Sometimes in 2000 or 2001, the Bank O}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid540026\charrsid10238123 \hich\af0\dbch\af35\loch\f0 fficers called him to the bank. He went. He filled in the forms with the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16001626\charrsid10238123 \hich\af0\dbch\af35\loch\f0 assistance of one Niwasan. The O}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid540026\charrsid10238123 \hich\af0\dbch\af35\loch\f0 fficers}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid540026\charrsid10238123 \hich\af0\dbch\af35\loch\f0  said \hich\af0\dbch\af35\loch\f0 
that they will give the loan to him and insure the house too. They requested for a valuation. He provided one to them as }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14108493\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 with}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid540026\charrsid10238123 \hich\af0\dbch\af35\loch\f0  ANZ }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14108493\charrsid10238123 \hich\af0\dbch\af35\loch\f0 loan }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid540026\charrsid10238123 \hich\af0\dbch\af35\loch\f0 his house was insured too}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5001028\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16001626 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7691425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 46}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16001626\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5001028\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 With ANZ, the insurance company he had was Tower Insurance and sin}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14108493\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ce the policy was full\hich\af0\dbch\af35\loch\f0 y paid up, t}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5001028\charrsid10238123 \hich\af0\dbch\af35\loch\f0 he }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16001626\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5001028\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 took over the loan. The policy was intact then. The settlement with ANZ took place in year 2000. He then started making payments to }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16001626\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5001028 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7691425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 47}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5001028\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 Later the two officers from the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3433422\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5001028\charrsid10238123 \hich\af0\dbch\af35\loch\f0  came to him again. It was Niwasan and 2 other boys. They \hich\af0\dbch\af35\loch\f0 
told him that since they gave the loan, it was good to have the insurance with them too. They told him that it is good to have the loan and insurance from one place. They also told him that the policy conditions were better with them than with Tower Insur
\hich\af0\dbch\af35\loch\f0 a\hich\af0\dbch\af35\loch\f0 nce.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5001028 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7691425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 48}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5001028\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 He asked them what was covered and they told him that perils such as earthquake, fire and like}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14108493\charrsid10238123 \hich\af0\dbch\af35\loch\f0 wise were covered. Nothing was p}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5001028\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ut in writing. They gave him a paper to tick. He cannot read. They told him that everything was alright.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5001028 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7691425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 49}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5001028\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The plaint\hich\af0\dbch\af35\loch\f0 iff said that the bank officers}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5001028\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  gave him a letter dated 12 December 2001 and asked him to sign the same. He opted to pay the premium from his account. The letter was tendered and marked as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5001028\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P EX \hich\f0 \endash \loch\f0  1}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5001028\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1404274 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7691425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 50}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3433422\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1404274\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank said that it will insure on its own and re\hich\af0\dbch\af35\loch\f0 
new the policy once it expired. It wrote to him on 15 March 2002 and informed him that it had renewed the policy and debited his account. The letter was tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1404274\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P Ex- 2}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1404274\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1404274 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7691425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 51}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1404274\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab In 1999, he}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16001626\charrsid10238123 \hich\af0\dbch\af35\loch\f0  had obtained a valuation. The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1404274\charrsid10238123 \hich\af0\dbch\af35\loch\f0 an}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9833632\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 k}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1404274\charrsid10238123 \hich\af0\dbch\af35\loch\f0  had accepted that valuation. \hich\af0\dbch\af35\loch\f0 
The valuation report states that the property is a commercial lease. The v}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3433422\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
aluation report was tendered as}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1404274\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1404274\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P Ex \hich\f0 \endash \loch\f0  3.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1404274 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7691425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 52}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1404274\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 
At the ground floor he had a grocery shop. He used to sell chicken, freezer goods, fresh fish. He had 6 freezers out of which 5 were of\hich\af0\dbch\af35\loch\f0  5 ft and one was 4 ft. His shop was running well. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16001626 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7691425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 53}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16001626\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1404274\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 On the second floor was a billiard centre. He had 4 billiard tables}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5718922\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
. On average, 1 billiard table made an average of $35-$40 per day. He had purchased one table at $1,800 from Suva. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16001626 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7691425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 54}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16001626\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5718922\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 On the thir\hich\af0\dbch\af35\loch\f0 d floor }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16001626\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
was the house where they lived. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5379503\charrsid10238123 \hich\af0\dbch\af35\loch\f0 There were 4 bedroom}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14108493\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5379503\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  in the house. His family lived in the house}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15344675\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 being his wife, son, another son with his wife and children and him. At that time only one of his son}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14108493\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15344675\charrsid10238123 \hich\af0\dbch\af35\loch\f0  was married. The partitions in the house were o
\hich\af0\dbch\af35\loch\f0 f yaka. His furniture was of y}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16001626\charrsid10238123 \hich\af0\dbch\af35\loch\f0 aka too. All the rooms had built-}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15344675\charrsid10238123 \hich\af0\dbch\af35\loch\f0  ins. There were beds and TV in all rooms.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15344675 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7691425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 55}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13321436\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 Th}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16001626\charrsid10238123 \hich\af0\dbch\af35\loch\f0 e}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13321436\charrsid10238123 \hich\af0\dbch\af35\loch\f0  house was destroyed by fi}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15344675\charrsid10238123 \hich\af0\dbch\af35\loch\f0 r}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13321436\charrsid10238123 \hich\af0\dbch\af35\loch\f0 e}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15344675\charrsid10238123 \hich\af0\dbch\af35\loch\f0  on 26 October 2003. He was not at home when the fire broke out. He was ad}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3433422\charrsid10238123 \hich\af0\dbch\af35\loch\f0 mitted to the hospital as he had}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15344675\charrsid10238123 \hich\af0\dbch\af35\loch\f0  had a h\hich\af0\dbch\af35\loch\f0 
eart attack. He was told that he had two blocked veins. His wife told him that fire escaped from the neighbours house, from their ceiling. When he came home nothing was left except for one fridge. All the clothes were damaged too.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15344675 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15344675\charrsid10238123 \hich\af0\dbch\af35\loch\f0 5}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7691425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 6}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16001626\charrsid10238123 
.\tab \hich\af0\dbch\af35\loch\f0 He went to Niwasan f\hich\af0\dbch\af35\loch\f0 rom the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15344675\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank and told him about the incident. Niwasan and another person came to his house, took photographs, asked him what all was lost, he told them, they told him that they would lodge a claim in Suva and let the insurance company decide. He was told t
\hich\af0\dbch\af35\loch\f0 hat Suva will pay for his loss. He never filled in any claim form because he was not asked by them to do so.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15668700\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 They told him that if the insurance company comes then he has to sign. After that two white men came. They noted the damage and destruction. The he\hich\af0\dbch\af35\loch\f0 
 received a call from Suva when Niwasan told him to get two quotes from the carpenters. Niwasan never told him that he would not be paid or paid partly. Next day health people also came.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15668700 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7691425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 57}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15668700\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab On 4th December 2003, he received a letter from McLarens Young \hich\af0\dbch\af35\loch\f0 International-Suva.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15668700\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The letter asked for two quotations from local builders on the costs for repairs of the house. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10762039\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The letter was tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10762039\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3433422\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10762039\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Ex- 4. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15668700\charrsid10238123 \hich\af0\dbch\af35\loch\f0 He provided two quotations, one from Swamy}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15668700\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s Construction dated 5 February 2004}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15344675\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15668700\charrsid10238123 \hich\af0\dbch\af35\loch\f0 which stated that it woul\hich\af0\dbch\af35\loch\f0 d cost $153,000 and the other from }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3433422\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Prem}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3433422\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s Construction which stated}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15668700\charrsid10238123 \hich\af0\dbch\af35\loch\f0  that the total cost for rebuilding would be $149,000.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10762039\charrsid10238123 \hich\af0\dbch\af35\loch\f0  The two quotations were tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10762039\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3433422\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10762039\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Ex-5 and 6.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15344675 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7691425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 58}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15668700\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 At that time he wanted that the building}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16001626\charrsid10238123 \hich\af0\dbch\af35\loch\f0  be reconstructed. Neither the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15668700\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank nor\hich\af0\dbch\af35\loch\f0  the insurance company got back to him about reconstruction. He had no alternative to live }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16001626\charrsid10238123 \hich\af0\dbch\af35\loch\f0 anywhere else}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15668700\charrsid10238123 \hich\af0\dbch\af35\loch\f0  so they stayed downstairs of the same building, the ceiling of it leaked.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3433422\charrsid10238123 \hich\af0\dbch\af35\loch\f0  He kept going to the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6819354\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank and was told to keep checking. He used to check on}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3433422\charrsid10238123 \hich\af0\dbch\af35\loch\f0 c}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6819354\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 e in every two to three weeks. Whenever he went, he was told that it did not receive anything from Suva.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15668700 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7691425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 59}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6819354\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The insurance company did not ever get the house rebuilt. He did no}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3433422\charrsid10238123 \hich\af0\dbch\af35\loch\f0 t get paid for his loss. The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6819354\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank told him that it will get $79,000 and asked h\hich\af0\dbch\af35\loch\f0 im to sign. He told the }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884\charrsid10238123 \hich\af0\dbch\af35\loch\f0 B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6819354\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank that he cannot make the building in $79,000.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6819354\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 The }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884\charrsid10238123 \hich\af0\dbch\af35\loch\f0 B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6819354\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank then accepted $79,000 and advised him on phone of that. He did not like that. He enquired from one worker in Suva who was a manager before and he said that they have accepte\hich\af0\dbch\af35\loch\f0 
d the money but will not reconstruct the building. He did not like it.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6819354 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7691425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 60}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6819354\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 He was not told that they will sell the building too. One boy told him that he read in the newspaper that his house was}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884\charrsid10238123 \hich\af0\dbch\af35\loch\f0  on sale. He enquired with the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6819354\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank and was told that because\hich\af0\dbch\af35\loch\f0 
 in the shortfall in the mortgage debt, the bank will have to sell the property.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6819354 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7691425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 61}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6819354\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 He got a lawyer to}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884\charrsid10238123 \hich\af0\dbch\af35\loch\f0  get an injunction against the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6819354\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank from selling the property. Before the house was destroyed, he was never giv}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884\charrsid10238123 \hich\af0\dbch\af35\loch\f0 en a copy of the policy by the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6819354\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884\charrsid10238123 \hich\af0\dbch\af35\loch\f0 His \hich\af0\dbch\af35\loch\f0 lawyer got a copy form the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6819354\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank though.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10762039\charrsid10238123 \hich\af0\dbch\af35\loch\f0  He tendered a copy of the proceeding}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3433422\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10762039\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  as }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10762039\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P Ex-7 }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10762039\charrsid10238123 \hich\af0\dbch\af35\loch\f0 and stated that he obtained a copy from his lawyer after the proceedings were filed.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6819354 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7691425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 62}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10762039\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 On 5 November 2003 McLarens Young International provided a preliminary report \hich\af0\dbch\af35\loch\f0 
to the insurance company wherein it stated that the policy cover was for $240,000. The report was tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10762039\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 P Ex-8. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7691425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 63}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884\charrsid10238123 \tab }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10762039\charrsid10238123 \hich\af0\dbch\af35\loch\f0 On 11 December 2003 McLarens Young International prepared a report which was tendered as }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10762039\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P Ex-9. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10762039\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Another report was prepared on 30 J\hich\af0\dbch\af35\loch\f0 anuary 2004 and that was tendered as }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10762039\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P Ex- 10.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7152870\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 A final report was prepared on 23 February 2004 in which McLarens recommended that an offer of settlement be put forward in the sum of $145,000. The con}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3433422\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ditions of the settlement were B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7152870\charrsid10238123 \hich\af0\dbch\af35\loch\f0 anks acceptance and appro\hich\af0\dbch\af35\loch\f0 val and a signed discharge by the third party. The report was tendered as }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7152870\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P Ex-11.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10762039 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7691425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 64}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10762039\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3433422\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7152870\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank did not ask him about fixtures and fittings that were destroyed in fire. It was valued for another $25,000, furniture valued at $20,000, stock in the shop valu\hich\af0\dbch\af35\loch\f0 
ed at approximately $55,000, freezers valued at $10,000-$15,000. He lost some cash too belonging to one Richard D}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 u}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7152870\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10762039 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7691425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 65}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7152870\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 After the house was burnt, he did }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7691425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 not make any repayments to the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7152870\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank. There were ongoing discussions between }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884\charrsid10238123 \hich\af0\dbch\af35\loch\f0 the Bank and him. The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7152870\charrsid10238123 \hich\af0\dbch\af35\loch\f0 an\hich\af0\dbch\af35\loch\f0 k did not say a}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7691425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 nything about the arrears. The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7152870\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank had said that it would recons}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13321436\charrsid10238123 \hich\af0\dbch\af35\loch\f0 truct everything like before}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7152870\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
. They did not ever say that he could not claim insurance. They never told him that if they received money they will use the same and sell the house\hich\af0\dbch\af35\loch\f0  or that the house was being put on tender or that the 4th defendant h}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ad tendered for the house. The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7152870\charrsid10238123 \hich\af0\dbch\af35\loch\f0 an}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13321436\charrsid10238123 \hich\af0\dbch\af35\loch\f0 k}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7152870\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  knew of the loss by fire. If he was paid the amount for repair of the house, he would be very happy. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13321436\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12990362\charrsid10238123 \hich\af0\dbch\af35\loch\f0  contractors had told him that it would cost h\hich\af0\dbch\af35\loch\f0 
im more than $150,000 to reconstruct. That was excluding the furniture. The built-ins would cost another $30,000. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7152870 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7691425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 66}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12990362\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 He did not receive any money}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884\charrsid10238123 \hich\af0\dbch\af35\loch\f0  from the insurance cover. The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12990362\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank did not ever tell him what was going on with the brokers. They did not t\hich\af0\dbch\af35\loch\f0 
alk about any mistake in policy. In 2012, it may cost him more than $260,000 to reconstruct the same building. He recen}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 tly obtained a quotation from a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12990362\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 builder. He has claimed for $140,000 plus the interest. He had lost his business too. He is also asking t\hich\af0\dbch\af35\loch\f0 he Court that the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884\charrsid10238123 \hich\af0\dbch\af35\loch\f0 mortgage be discharged. If the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12990362\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank obtained true value from the insurance company, the debt would be cleared and he would also g}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2710172\charrsid10238123 \hich\af0\dbch\af35\loch\f0 et some money for himself. The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12990362\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank did not do it}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13321436\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12990362\charrsid10238123 \hich\af0\dbch\af35\loch\f0  work properly and so he wants to be compensated.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12990362 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7691425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 67}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12990362\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The \hich\af0\dbch\af35\loch\f0 police report never blamed him for the fire. Apart from his house, 3 other buildings}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884\charrsid10238123 \hich\af0\dbch\af35\loch\f0  got destroyed that night. The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12990362\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank did not ever tell him that the insurance policy was theirs and that he had nothing to do with it. When the policy was obtained, he was t\hich\af0\dbch\af35\loch\f0 
old that he will receive the benefits if anything happened like earthquake and fire. He also asks for damages and costs.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7691425\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4207717\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Cross-Examination}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15158142\charrsid10238123 \hich\af0\dbch\af35\loch\f0  (By D1)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4207717 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10705462\charrsid10238123 \hich\af0\dbch\af35\loch\f0 68}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4207717\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15158142\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 The plaintiff identified in the application for consent to mortgage dated 23 February 2000}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13321436\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  his signatur\hich\af0\dbch\af35\loch\f0 e and }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15158142\charrsid10238123 \hich\af0\dbch\af35\loch\f0 that of his lawyer}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15158142\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s signature in }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1848422\charrsid10238123 \hich\af0\dbch\af35\loch\f0 the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15158142\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
mortgage dated 24 February 2000. He also identified his signature in the mortgage document. He stated that he signed the mortgage before his lawyer.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4207717 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10705462\charrsid10238123 \hich\af0\dbch\af35\loch\f0 69}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15158142\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 He agreed}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884\charrsid10238123 \hich\af0\dbch\af35\loch\f0  that he wrote a letter to the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15158142\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank on 21 May 200\hich\af0\dbch\af35\loch\f0 2. He also agreed}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1848422\charrsid10238123 \hich\af0\dbch\af35\loch\f0  that he wrote a letter to the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15158142\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank dated 1 February 2003 w}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1848422\charrsid10238123 \hich\af0\dbch\af35\loch\f0 here he wrote and informed the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15158142\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank that his vehicle was damaged by flood and requested that his loan repayments in respect of the vehicle be delayed.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15158142 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10705462\charrsid10238123 \hich\af0\dbch\af35\loch\f0 70}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15158142\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 He used two floors for b\hich\af0\dbch\af35\loch\f0 usiness. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6100142\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
From ANZ, he had borrowed $120,000. He used the money to construct the building. The building was also to be used for grocery shop and billiard. He did not use the money from ANZ to buy groceries for selling. All the money was used for building th
\hich\af0\dbch\af35\loch\f0 e house.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15158142 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10705462\charrsid10238123 \hich\af0\dbch\af35\loch\f0 71}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6100142\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 He was}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13321436\charrsid10238123 \hich\af0\dbch\af35\loch\f0  a}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6100142\charrsid10238123 \hich\af0\dbch\af35\loch\f0  mechanic. He still does mechanical work from the same property. He did that fr}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1848422\charrsid10238123 \hich\af0\dbch\af35\loch\f0 om before he took loan from the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6100142\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank and continued after he got loan. He continued this business since he resigned from PWD in 1996. The business he had wa
\hich\af0\dbch\af35\loch\f0 s for groceries, billiard and sea slugs. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6100142 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10705462\charrsid10238123 \hich\af0\dbch\af35\loch\f0 72}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6100142\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 He sighted }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1848422\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Ex-1}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6100142\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 and stated he cannot see the same properly because he has bad eyesight and he left his glasses at home. He said he saw the letter for the first time that day. He said that he also saw }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6100142\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P Ex -2\hich\af0\dbch\af35\loch\f0  to P Ex-11 }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6100142\charrsid10238123 \hich\af0\dbch\af35\loch\f0 for the first time that day.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6100142 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10705462\charrsid10238123 \hich\af0\dbch\af35\loch\f0 73}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6100142\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 He remembered signing the mortgage before his lawyer. His lawyer explained the documents to him. He recognized his si}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884\charrsid10238123 \hich\af0\dbch\af35\loch\f0 gnature in the letter from the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6100142\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank dated 11 January 2001.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid30417\charrsid10238123 \hich\af0\dbch\af35\loch\f0  The date of his signature was 24 J\hich\af0\dbch\af35\loch\f0 anuary 2001.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6100142 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10705462\charrsid10238123 \hich\af0\dbch\af35\loch\f0 74}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13184428\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab After he took loan, the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid30417\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank used to send him statements from time to time on his }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13321436\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Postal Office Box. No. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid30417\charrsid10238123 \hich\af0\dbch\af35\loch\f0 83 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13321436\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 - }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid30417\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
Seaqaqa. He cannot remember how frequently he used to get the statements but said that it may have sent the statements about 10\hich\af0\dbch\af35\loch\f0 
 times. He then said that he cannot remember how many times he got the statement but it was more than once. He could not say whether it was more than 5 times. His monthly repayment he said was $1,500 and something. He was punctual with his payment but whe
\hich\af0\dbch\af35\loch\f0 n\hich\af0\dbch\af35\loch\f0  he got sick then for 1 or 2 months, he could not pay. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1848422\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 He got sick from 1996 until }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid30417\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
date. He paid all monies to ANZ, even though he was sick. He used to pay from business. He looks at the tra}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1848422\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 nsaction history issues by the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid30417\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank for the period 1 January 2000 
\hich\af0\dbch\af35\loch\f0 to 13 January 2010 and stated that they appear in small prints and so he cannot read the same.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid30417 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10705462\charrsid10238123 \hich\af0\dbch\af35\loch\f0 75}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid30417\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 He looked at the default notice dated 4 Dec}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1848422\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ember 2000 issued by the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid30417\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank pursuant to s. 80 of the CCA and stated that he cannot remember whether he received\hich\af0\dbch\af35\loch\f0 
 it or not and that he may have received it.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid30417 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10705462\charrsid10238123 \hich\af0\dbch\af35\loch\f0 76}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12923430\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 
He looked at the summary of cover and said that he had not seen that before. The first time he saw that was on that day. He looked at the letter d}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ated 12 December 2001 from the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12923430\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank to him and the summary o\hich\af0\dbch\af35\loch\f0 f cover and said}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12923430\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 
that he was happy with the letter dated 12 December 2001 because it states that the cover was for $240,000. He stated that he did not know what the summary of cover was. He said that if he was given the two mentioned documents, he wou}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ld ha\hich\af0\dbch\af35\loch\f0 ve received it and if the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12923430\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank gave the letter, it would have given the summary of cover too.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12923430 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10705462\charrsid10238123 \hich\af0\dbch\af35\loch\f0 77}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12923430\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank did not ever tell him that it was selling the property. He did not try to find a buyer for the property. Fijian Provincial Council wanted to buy th\hich\af0\dbch\af35\loch\f0 
e property. He did not want to sell because he did not have a place to live in.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12923430 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10705462\charrsid10238123 \hich\af0\dbch\af35\loch\f0 78}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12923430\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 He stated that the letter written on hi}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s behalf to the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12923430\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank on 21 May 2002 was done by Niwasan who had told him that he would benefit. He signed the letter. He told Niwasa
\hich\af0\dbch\af35\loch\f0 n that he would }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884\charrsid10238123 \hich\af0\dbch\af35\loch\f0 not sell. One person in Ravuka B}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12923430\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ridge wanted to buy.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12923430 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10705462\charrsid10238123 \hich\af0\dbch\af35\loch\f0 79}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12923430\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 He looked at the letter by the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12923430\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank to him dated 4 June 2002 and stated that he did not remember receiving it. He}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1848422\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 saw the default notice by the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12923430\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank issued pursuant to s. 80 of the C\hich\af0\dbch\af35\loch\f0 
CA dated }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1592514\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
23 September 2002 and stated that it was addressed to him and his postal address was noted in the notice.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12923430 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10705462\charrsid10238123 \hich\af0\dbch\af35\loch\f0 80}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1592514\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 He said that he had a car loan with th}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1848422\charrsid10238123 \hich\af0\dbch\af35\loch\f0 e bank for CK 159. He paid the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1592514\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank. Only one of his vehicles was mortgaged. CQ 506 was a small va\hich\af0\dbch\af35\loch\f0 
n which was used for sea slugs. CK 159 was also a van.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1592514 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10705462\charrsid10238123 \hich\af0\dbch\af35\loch\f0 81}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1592514\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 He saw a letter written by one Maika Noa Maiwalu from Naravuka vill}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884\charrsid10238123 \hich\af0\dbch\af35\loch\f0 age who wrote to the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1592514\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank on 9 October 2002. He stated that he knows Maika but he does not know anything about the letter. }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1592514 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10705462\charrsid10238123 \hich\af0\dbch\af35\loch\f0 82}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1592514\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 He looked at the letter d}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7807884\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ated 25 November 2003 from the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1592514\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank to him and pointed out exactly the place where it was written}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1592514\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1592514\charrsid10238123 \hich\af0\dbch\af35\loch\f0 House Insurance Renewal}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1592514\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 . }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1592514\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
He said that he did not recall receiving the letter. He saw the 4th page of that letter with heading }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1592514\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Summ\hich\af0\dbch\af35\loch\f0 ary of Insurance Cover}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1592514\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1592514\charrsid10238123 \hich\af0\dbch\af35\loch\f0 in bold letters and pointed to where it appeared on the document.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1592514 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10705462\charrsid10238123 \hich\af0\dbch\af35\loch\f0 83}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1592514\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab He said that he came to sign a caveat in his }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12328480\charrsid10238123 \hich\af0\dbch\af35\loch\f0 lawyers}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1592514\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 office. Before that he knew about the sale of his property to the 4th defendant.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12328480\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 He does not know whether \hich\af0\dbch\af35\loch\f0 
someone by the name of Shiu Prasad offered to buy his property at the sum of $51,500 but he was told by a boy from Seaqaqa that it was in the papers. He cannot recall when the boy told him. He stated that he did not recall receiving a letter from Lateef &
\hich\af0\dbch\af35\loch\f0  \hich\af0\dbch\af35\loch\f0 Lateef Lawyers. He looked at a letter written under his name to Lateef & Lateef dated 24 May 2005 and denied that he had signed the same.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1592514 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10705462\charrsid10238123 \hich\af0\dbch\af35\loch\f0 84}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12328480\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 He did not take steps to rebuild the house somewhere else because he did not have land to build on.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12328480 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10705462\charrsid10238123 \hich\af0\dbch\af35\loch\f0 85}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12328480\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 He did n\hich\af0\dbch\af35\loch\f0 ot recall receiving }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10705462\charrsid10238123 \hich\af0\dbch\af35\loch\f0 a default notice issued by the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12328480\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank under s. 80 of the CCA and dated 5 February 2002. He also could not recall receiving another notice dated 4 December 2000 but he said that he may have received it.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11040212\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12328480\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Cross- }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11040212\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Examination (By}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13321436\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12328480\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D2)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12328480 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10705462\charrsid10238123 \hich\af0\dbch\af35\loch\f0 86}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12328480\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14765184\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 He \hich\af0\dbch\af35\loch\f0 was formerly a client of ANZ. He had arranged an insurance with Tower on his own. He cleared ANZ mortgage. The cover by Tower continued for a short period. He }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2500281\charrsid10238123 \hich\af0\dbch\af35\loch\f0 has ticked the option that the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14765184\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank would pay premium and charge to his account. He is not sure w\hich\af0\dbch\af35\loch\f0 
hether that document he ticked was a letter }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10705462\charrsid10238123 \hich\af0\dbch\af35\loch\f0 dated 12 December 2001 from the B}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14765184\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4811786\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4811786\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
He cannot recall whether that is the letter he ticked. He said he was sure that he did not see the summary of cover. He said that he did not receive the documents addressed t\hich\af0\dbch\af35\loch\f0 
o his postal address. The two quotations he obtained were to rebuild the house. He does not know whether that involved demolition.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4811786\charrsid10238123 \hich\af0\dbch\af35\loch\f0 He always wanted t}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2500281\charrsid10238123 \hich\af0\dbch\af35\loch\f0 o rebuild. He did not tell the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4811786\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank in 2004 that he did not want to rebuild. He did not recall seeing any d\hich\af0\dbch\af35\loch\f0 
efault notice. In his postal box, he just saw the bank statements which showed the transactions and that he owed money no}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13184428\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 t that he had arrears. The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4811786\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank told him that contents were covered too. He did not see the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10705462\charrsid10238123 \hich\af0\dbch\af35\loch\f0  policy but relied on what the B}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4811786\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank told him.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12328480\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10705462\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10705462\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Re-E}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4811786\charrsid10238123 \hich\af0\dbch\af35\loch\f0 xamination}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4811786 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10705462\charrsid10238123 \hich\af0\dbch\af35\loch\f0 87}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4811786\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15695313\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 The documents shown to him by counsel for the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13184428\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15695313\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 were photocopies. He cannot recall whether the originals were sent to him and if it were, it would be destroyed by fire}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13184428\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 . When one Niwasan and another b}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15695313\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank officer came to see him and
\hich\af0\dbch\af35\loch\f0  ask}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11152763\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ed}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15695313\charrsid10238123 \hich\af0\dbch\af35\loch\f0  him to tick a proposal}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11152763\charrsid10238123 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15695313\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  that document did not look like }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15695313\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P Ex -1}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15695313\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . It had a letter head with big letters underlined. That is the one he signed.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4811786\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16599179\charrsid10238123 
\par \hich\af0\dbch\af35\loch\f0 PW 2}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13184428\charrsid10238123 \hich\af0\dbch\af35\loch\f0  - Mohammed Azam Alam - }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16599179\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Examination in Chief}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16599179 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16599179\charrsid10238123 \hich\af0\dbch\af35\loch\f0 8}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7028527\charrsid10238123 \hich\af0\dbch\af35\loch\f0 8}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16599179\charrsid10238123 
.\tab \hich\af0\dbch\af35\loch\f0 The second witness for the plaintiff stated that he \hich\af0\dbch\af35\loch\f0 is the son of the plaintiff. In 2003, he lived in seaqaqa in his father}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16599179\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s house. He lived with his parents. He was then married and had a child. On 26 October 2003 the house caught fire. He was in the house. It was 2am when the house caught fire. The fire \hich\af0\dbch\af35\loch\f0 
had started from the property beside his house. The shop from which the fire started was owned by one Naidu. They were not able to save the house. They had to get out of the house from the downpipe. The occupants at that time were his mother, brother, wif
\hich\af0\dbch\af35\loch\f0 e\hich\af0\dbch\af35\loch\f0 , son and him. They used to live on the top floor. The middle floor had billiard tables and the bottom floor had a shop.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16599179 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7028527\charrsid10238123 \hich\af0\dbch\af35\loch\f0 89}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16599179\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 This witness was not cross-examined by anyone.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16599179\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13184428\charrsid10238123 \hich\af0\dbch\af35\loch\f0 PW 3 - Sam Ming - }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16599179\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Examination in Chief}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16599179 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2511157\charrsid10238123 \hich\af0\dbch\af35\loch\f0 90}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16599179\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab The third and the final witness for t\hich\af0\dbch\af35\loch\f0 
he plaintiff testified that he is a builder for the past 30 years. He said that he has built uncountable houses. He would have built more than 200 houses. He has built all kinds of houses- small and large for example in Labasa he built a house opposite th
\hich\af0\dbch\af35\loch\f0 e\hich\af0\dbch\af35\loch\f0  police station}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1130232\charrsid10238123 \hich\af0\dbch\af35\loch\f0  which is 25m x 40m.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16599179 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2511157\charrsid10238123 \hich\af0\dbch\af35\loch\f0 91}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1130232\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 He was known to CNB from 2000 onwards. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid270578\charrsid10238123 \hich\af0\dbch\af35\loch\f0 He may have worked for many bank officers but he cannot remember the details. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1130232\charrsid10238123 \hich\af0\dbch\af35\loch\f0 At that}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2511157\charrsid10238123 \hich\af0\dbch\af35\loch\f0  time he had an account in the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1130232\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank. In 2000, he was called to assess the damages. He looke\hich\af0\dbch\af35\loch\f0 
d at the structure then which could have been repaired at the time. The existing structure could have been used. N}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11152763\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 o}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1130232\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
w the structure has to be demolished. A week before the trial he had carried out the inspection. He was also called to give a quotation to re\hich\af0\dbch\af35\loch\f0 
build the structure. There are other houses around the building. The bottom floor is 19.5 m x 13.6m. Initially the material was wooden and concrete. There were 2 floors and 3 storeys.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1130232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2511157\charrsid10238123 \hich\af0\dbch\af35\loch\f0 92}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1130232\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 Before the building was burnt he had seen the same. It was a beauti\hich\af0\dbch\af35\loch\f0 
fully designed house. To repair the buil}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11152763\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ding now, it would roughly cost}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1130232\charrsid10238123 \hich\af0\dbch\af35\loch\f0  $240,000 to $250,000.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid270578\charrsid10238123 \hich\af0\dbch\af35\loch\f0  In this sum he has included the costs for built-ins and partitions. T}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13184428\charrsid10238123 \hich\af0\dbch\af35\loch\f0 he wood that has to be used is D}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid270578\charrsid10238123 \hich\af0\dbch\af35\loch\f0 akua or }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13184428\charrsid10238123 \hich\af0\dbch\af35\loch\f0 S}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid270578\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 alusalu because yaka now is hard to get. It is a rar\hich\af0\dbch\af35\loch\f0 e species of timber. One can get Dakua and }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13184428\charrsid10238123 \hich\af0\dbch\af35\loch\f0 S}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid270578\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 alusalu anytime.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1130232\charrsid10238123 \hich\af0\dbch\af35\loch\f0  Part of the structure needs demolishing. }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12598195\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
The 2nd floor needs demolishing because there are cracks and water seeps from the floor. The steel has corroded too. The building is not safe and for heal\hich\af0\dbch\af35\loch\f0 
th and safety reasons, it has to be demolished. The top floor needs renewal. The walls have to be redone and replaced. There are no doors and windows left. A new roof has to be made. The top floor basically needs complete doing. 1st floor needs some repai
\hich\af0\dbch\af35\loch\f0 r\hich\af0\dbch\af35\loch\f0 s. Water seeps in but the entire floor does not need}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid270578\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  to be replaced. The bottom floor needs repairing. The walls need to be done.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1130232 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2511157\charrsid10238123 \hich\af0\dbch\af35\loch\f0 93}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid270578\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab In 2003 he had done an estimation of the costs for repairing the building. It would have cost $160,000 at the time. The 
\hich\af0\dbch\af35\loch\f0 costs of materials were cheaper then. He looked at }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid270578\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P Ex 5}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid270578\charrsid10238123 \hich\af0\dbch\af35\loch\f0  and 6 and said that it should have been $165,000. It could have been $150,000 that time. Now}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13184428\charrsid10238123 \hich\af0\dbch\af35\loch\f0  the cost of material, labour, and c}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid270578\charrsid10238123 \hich\af0\dbch\af35\loch\f0 amping is more. Now, comparatively, more work need}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11152763\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid270578\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  to be done as at t\hich\af0\dbch\af35\loch\f0 hat time, the floor could have been salvaged.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3439845\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid270578\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Cross-Examination }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3439845\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13184428\charrsid10238123 \hich\af0\dbch\af35\loch\f0 y}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11152763\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid270578\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D1)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid270578 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2511157\charrsid10238123 \hich\af0\dbch\af35\loch\f0 94}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid270578\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 
A week before the trial he was requested by the owner of the building to carry out the inspection. Mohammed Alam Khan is the owner. He gave a written report after the inspection.\hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9005156\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The date of the report is 24 September 2012. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid270578\charrsid10238123 \hich\af0\dbch\af35\loch\f0 He gave it to Alam Khan. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9005156\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Alam}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9005156\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
s solicitor did not speak to him about a particular report. He was told by Alam and not his solicitor that he would have to give evidence in Court.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid270578 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2511157\charrsid10238123 \hich\af0\dbch\af35\loch\f0 95}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9005156\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 This witness was not cross-\hich\af0\dbch\af35\loch\f0 examined by the remaining defendants. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13184428\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13184428\charrsid10238123 
\par \hich\af0\dbch\af35\loch\f0 Re-Examination}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13184428 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2511157\charrsid10238123 \hich\af0\dbch\af35\loch\f0 96.\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9005156\charrsid10238123 \hich\af0\dbch\af35\loch\f0 In re-examination, the witness stated that he is happy to}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2511157\charrsid10238123 \hich\af0\dbch\af35\loch\f0  disclose the report if needed.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6847466\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13184428\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6847466\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D1 W1}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5718922\charrsid10238123 \tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13184428\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  - Kevin }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15358100\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Yuen -}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13184428\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6847466\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Examination in Chief}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6847466 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 97}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6847466\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13128159\charrsid10238123 \tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6847466\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 The first witness for the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15358100\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6847466\charrsid10238123 \hich\af0\dbch\af35\loch\f0 was the m}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15358100\charrsid10238123 \hich\af0\dbch\af35\loch\f0 anager recovery s\hich\af0\dbch\af35\loch\f0 ection of the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6847466\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13128159\charrsid10238123 \hich\af0\dbch\af35\loch\f0 He stated}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6847466\charrsid10238123 \hich\af0\dbch\af35\loch\f0  that BSP acquired CNB in 2010. He worked for CNB before that.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13128159\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 Altogether he has worked for 12 years. He started as collections officer in 2000. He handled all the account which were in arrears. He handled the plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13128159\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s accou\hich\af0\dbch\af35\loch\f0 nt from 2003-2007. He had the benefit of reviewing the plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13128159\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s file}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6488548\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . The }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15358100\charrsid10238123 \hich\af0\dbch\af35\loch\f0 B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6488548\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 ank file contains contract, all correspondence, insurance covers, receipts of payments, default notices and everything in relation to the customer. More than one person handles t\hich\af0\dbch\af35\loch\f0 
he file. One person has a supervisor and manager. If there is any discussion with the customer, the bank officer takes down notes. Diary notes are entered the same day when information is received.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13128159 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 98}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6488548\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 In the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15358100\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15358100\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6488548\charrsid10238123 \hich\af0\dbch\af35\loch\f0  bundle of documents, tab 2 is consent t\hich\af0\dbch\af35\loch\f0 
o mortgage. He could see the signature of the plaintiff. Maqbool & Company acted }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11152763\charrsid10238123 \hich\af0\dbch\af35\loch\f0 for }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6488548\charrsid10238123 \hich\af0\dbch\af35\loch\f0 the bank then. Consent to mortgage was tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6488548\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D Ex -1. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6488548\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The mortgage appearing on tab 3 was tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6488548\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D Ex \hich\f0 \endash \loch\f0  2}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11152763\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . The notice of v}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6488548\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ariation to }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11152763\charrsid10238123 \hich\af0\dbch\af35\loch\f0 loan a}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6488548\charrsid10238123 \hich\af0\dbch\af35\loch\f0 greement on Tab 4 wa\hich\af0\dbch\af35\loch\f0 s tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6488548\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11152763\charrsid10238123 \hich\af0\dbch\af35\loch\f0  Ex}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6488548\charrsid10238123 \hich\af0\dbch\af35\loch\f0  \hich\f0 \endash \loch\f0  3}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6488548\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . The loan ag}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11152763\charrsid10238123 \hich\af0\dbch\af35\loch\f0 reement between the parties on Tab 1 was tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11152763\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6488548\charrsid10238123 \hich\af0\dbch\af35\loch\f0  Ex \hich\f0 \endash \loch\f0  4}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6488548\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . The transaction history from 01/01/2}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11152763\charrsid10238123 \hich\af0\dbch\af35\loch\f0 000 to 13/01/2010 appearing on T}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6488548\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ab 5 was tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6488548\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D Ex- 5}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6488548\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . The witness said Exhibit 5 was a duplicate statement. The or\hich\af0\dbch\af35\loch\f0 
iginal statements are sent to the nominated address of the customers. It is sent either on 6 monthly basis, or on request from custome}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid487984\charrsid10238123 \hich\af0\dbch\af35\loch\f0 rs or when the transactions fills 2 pages. The term }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid487984\charrsid10238123 \hich\af0\dbch\af35\loch\f0 credit}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid487984\charrsid10238123 \hich\af0\dbch\af35\loch\f0  used in the transaction history shows repayments by customers. \hich\af0\dbch\af35\loch\f0 
The witness said that there were no payments made before 29 January 2001. The plaintiff was in default of payments. There are payments made to the account and it can be ascertained from use of the term}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid487984\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid487984\charrsid10238123 \hich\af0\dbch\af35\loch\f0 cash repayments}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid487984\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 . }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid487984\charrsid10238123 \hich\af0\dbch\af35\loch\f0 This means that the customer has ma\hich\af0\dbch\af35\loch\f0 
de cash deposit. There is one cheque r}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11152763\charrsid10238123 \hich\af0\dbch\af35\loch\f0 epayment which is the proceeds of}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid487984\charrsid10238123 \hich\af0\dbch\af35\loch\f0  the insurance. On 30 September 2005 another cheque repayment of $33,333 is shown. That is settlement by the 4th}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11152763\charrsid10238123 \hich\af0\dbch\af35\loch\f0  defendant. A}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid487984\charrsid10238123 \hich\af0\dbch\af35\loch\f0 t the bottom of the last page of the transaction history is \hich\af0\dbch\af35\loch\f0 
a sum of $101,950.92. The bank wrote off that amount because the repayments were doubtful. It is an internal matter for the bank otherwise, the fees and interest continues to accrue.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6488548 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 99}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid487984\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 Tab 6 shows a receipt from Maqbool & Company which shows that it rec\hich\af0\dbch\af35\loch\f0 
eived a sum of $121,000 from CNB, a sum of $119, 472.26 was paid to ANZ and the balance of $1,528.74 paid to Maqbool & Company and for stamp duties. Tab 6 was tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid487984\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D Ex- 6}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid487984\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15358100 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 100}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15358100\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11152763\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 On T}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10438827\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ab 8 is a letter to the plaintiff dated 16 June 2000 which is inf
\hich\af0\dbch\af35\loch\f0 orming the customer that his account was in arrears in the sum of $1249.99.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10438827\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Tab 8 was tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10438827\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D Ex- 8}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11152763\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15358100 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 101}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15358100\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11152763\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 On T}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15358100\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ab 10 is a letter to Ma}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10438827\charrsid10238123 \hich\af0\dbch\af35\loch\f0 qbool & C}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15358100\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ompany through which the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10438827\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank encloses a cheque for the sum of $1970 being the solicitor}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10438827\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s fees for securi\hich\af0\dbch\af35\loch\f0 ty documentation. Tab 10 was tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10438827\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 D Ex -9}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10438827\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid487984 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 102}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11152763\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 On Tab 11 appears the default n}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10438827\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
otice under s. 80 of the CCA. The default was from May till November in the sum of $8,750. The notice is informing the customer to pay up or the bank would exercise its \hich\af0\dbch\af35\loch\f0 rights under the security. Tab 11 was tendered as }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10438827\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D Ex- 10}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10438827\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10438827 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 103}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10438827\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10438827\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s loan was a home loan and not a commercial loan. The loan contract says that it is home loan. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15358100\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 The plaintiff did not tell the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10438827\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank that he will use the loan for commercial purp\hich\af0\dbch\af35\loch\f0 ose so they assumed it was home loan.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10438827 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 104}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid417150\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 On Ta}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15358100\charrsid10238123 \hich\af0\dbch\af35\loch\f0 b 12 is a letter from the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10438827\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank dated 12 December 2001 which is in}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15358100\charrsid10238123 \hich\af0\dbch\af35\loch\f0 forming the plaintiff that the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10438827\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank will provide the insurance cover for the property. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8463796\charrsid10238123 \hich\af0\dbch\af35\loch\f0 I}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10438827\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 n the letter it says }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10438827\charrsid10238123 \hich\af0\dbch\af35\loch\f0 policy details: refer summary of\hich\af0\dbch\af35\loch\f0  cover attached}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10438827\charrsid10238123 .}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8463796\charrsid10238123 \hich\af0\dbch\af35\loch\f0  T}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid417150\charrsid10238123 \hich\af0\dbch\af35\loch\f0 he summary of cover appears on Tab 13. The letter on Tab 12 would have had T}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8463796\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ab 13 attached to it and gone out as one document. Tab 12 and 13 were tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8463796\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D Ex \hich\f0 \endash \loch\f0  11}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8463796\charrsid10238123 \hich\af0\dbch\af35\loch\f0  and }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8463796\charrsid10238123 \hich\af0\dbch\af35\loch\f0 12}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8463796\charrsid10238123 \hich\af0\dbch\af35\loch\f0  respectively. The summary of cover does not show that the plai\hich\af0\dbch\af35\loch\f0 ntiff is the insured.}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10438827 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 105}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8463796\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 On }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid417150\charrsid10238123 \hich\af0\dbch\af35\loch\f0 T}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8463796\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 ab 14 app}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15358100\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ears the default notice by the B}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8463796\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank under s. 80 of the CCA. The default is for 2 months and the amount in default is $2,815.00. The notice is dated 5 February 2002 and allows for 30 days to make the payments. Tab 14\hich\af0\dbch\af35\loch\f0  was tendered as }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8463796\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D Ex \hich\f0 \endash \loch\f0  13.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8463796 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 106}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid417150\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 On T}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8463796\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ab 16 is the summary of cover which was tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8463796\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D Ex \hich\f0 \endash \loch\f0  14}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8463796\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . In the summary of cover, the insured is the bank. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8463796 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 107}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid417150\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 On T}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8463796\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ab 17 is the advertisement of the property by the mortgagee for sale. The advertisement is dat\hich\af0\dbch\af35\loch\f0 
ed 24 April 2002. There was another advertisement in daily post. They looked for that }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid417150\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
advertisement but could not obtain a copy }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8463796\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
because daily post does not operate anymore. Tab 17 was tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8463796\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D Ex- 15.}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8463796\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8463796 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 108}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8463796\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab On Tab 18 is the letter written by the pla\hich\af0\dbch\af35\loch\f0 
intiff saying that the plaintiff has found a customer who had agreed to take over the loan debt repayments}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4083698\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 . Tab 18 was tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4083698\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D Ex \hich\f0 \endash \loch\f0  16.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8463796 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 109}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4083698\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 Tab 20 contains another default notice issued pursuant to s}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid417150\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4083698\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 80 of the CCA dated 23 September 2002. That def\hich\af0\dbch\af35\loch\f0 ault notice was in relation to his car loan. The total amount of default was $1,500.01. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid417150\charrsid10238123 \hich\af0\dbch\af35\loch\f0 From}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4083698\charrsid10238123 \hich\af0\dbch\af35\loch\f0  his recollection, the bank sold the vehicle under the bill of }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid417150\charrsid10238123 \hich\af0\dbch\af35\loch\f0 sale. Tab 20 was tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid417150\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D E}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4083698\charrsid10238123 \hich\af0\dbch\af35\loch\f0 x \hich\f0 \endash \loch\f0  20.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4083698 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 110}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid417150\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 On T}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4083698\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ab 22 appears a letter written by the plaintiff dat\hich\af0\dbch\af35\loch\f0 
ed 1 February 2003 asking for approval to delay loan repayment because the vehicle was under flood. The vehicle was CK 159. Tab 22 was tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4083698\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D Ex \hich\f0 \endash \loch\f0  18}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4083698\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4083698 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 111}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4083698\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 On Tab 25 appears a mortgagee sale advertisement in the Fiji Times of 26 Fe}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12527890\charrsid10238123 \hich\af0\dbch\af35\loch\f0 bruary 2005. The \hich\af0\dbch\af35\loch\f0 B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4083698\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank did more than one advertisement. One another advertisement was in daily post but they cannot retrieve the same. Tab 25 was tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid417150\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D E}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4083698\charrsid10238123 \hich\af0\dbch\af35\loch\f0 x \hich\f0 \endash \loch\f0  19}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid417150\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . On T}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4083698\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ab 26 appears a tender of the property from the 4th defendant which was made in response to the adver\hich\af0\dbch\af35\loch\f0 
tisement for mortgagee sale. Tab 26 was tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4083698\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D Ex- 20.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4083698 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 112}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4083698\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 Tab 27 is a tender by one Shiu Prasad in the sum of $51,500. This tender was hand delivered to Niwasan Naicker}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3629586\charrsid10238123 \hich\af0\dbch\af35\loch\f0  prior to r}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9124444\charrsid10238123 \hich\af0\dbch\af35\loch\f0 e}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3629586\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 -advertising the property for mortgagee sale.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid617755\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13127949\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid617755\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank attempted t\hich\af0\dbch\af35\loch\f0 
o contact Mr. Shiu Prasad and told him that it will re-advertise and he could put his tender again. He did not. The }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13127949\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid617755\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank contacted him and could not get him.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3629586\charrsid10238123 \hich\af0\dbch\af35\loch\f0  Tab 27 was tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3629586\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D Ex \hich\f0 \endash \loch\f0  21.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3629586 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 113}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3629586\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 Tab 28 is an eviction notice dated 12 April 2005 to the pl\hich\af0\dbch\af35\loch\f0 aintiff.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4083698\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3629586\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Tab 28 was tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3629586\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D Ex \hich\f0 \endash \loch\f0  22.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3629586\charrsid10238123 \hich\af0\dbch\af35\loch\f0  Tab 30 is a letter by the plaintiff in response to the notice to vacate which was tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3629586\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D Ex- 23}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3629586\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . Tab 31 is a transfer of the property to the 4th defendant. Tab 31 was tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3629586\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D Ex- 24}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3629586\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4083698 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 114}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3629586\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The witness\hich\af0\dbch\af35\loch\f0 
 said that they had a bank officer called Niwasan. He left the bank in the year 2009. He migrated to USA. They do not have his contact.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3629586 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 115}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3629586\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 In respect of }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3629586\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P Ex \hich\f0 \endash \loch\f0  8 to 11}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3629586\charrsid10238123 \hich\af0\dbch\af35\loch\f0 , the witness stated that he has not seen the documents before. They are not in the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15358100\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Ba\hich\af0\dbch\af35\loch\f0 nks file.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15358100\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3629586\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank is the insured according to their p}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid417150\charrsid10238123 \hich\af0\dbch\af35\loch\f0 olicy}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3629586\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid417150\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 The}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3629586\charrsid10238123 \hich\af0\dbch\af35\loch\f0  policy did not have cover for the contents. }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3629586 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 116}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15358100\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The Ba}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3629586\charrsid10238123 \hich\af0\dbch\af35\loch\f0 nk had lodged claim thro}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13127949\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ugh its brokers. The Insurance C}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3629586\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ompany inspected the property and they responded that the property was used fo\hich\af0\dbch\af35\loch\f0 
r commercial purpose and the cover was for domestic purpose. Due to their long standing relationship, the insurance company decided to honour the claim. They sent assessors to Labasa. Quotations were obtained as per the requirement.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3629586\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 The insurance engaged i\hich\af0\dbch\af35\loch\f0 ts own assessors}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid617755\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
. The insurance company came to a final amount of $79,000 to pay the bank.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3629586 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 117}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid617755\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 
The amount of monies owed to the bank is $101, 950.92 and on that amount interest accrues at 8.25%. The annual interest rate is calculated by multiplying the i\hich\af0\dbch\af35\loch\f0 
nterest rate with the outstanding balance (8.25% x 101,950.92), the sum divided by 12 is the monthly interest rate. The monthly rate has to be multiplied by the number of months from October 2005 till date.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid617755 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 11}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13771007\charrsid10238123 \hich\af0\dbch\af35\loch\f0 8.\tab The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid617755\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank was not aware of the terms and con\hich\af0\dbch\af35\loch\f0 ditions of the policy of }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid417150\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Tower In}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid617755\charrsid10238123 \hich\af0\dbch\af35\loch\f0 surance. That policy came to an end on 27 January 2001. CNB did not }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid417150\charrsid10238123 \hich\af0\dbch\af35\loch\f0 have }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid617755\charrsid10238123 \hich\af0\dbch\af35\loch\f0 its }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid417150\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 interest }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid617755\charrsid10238123 \hich\af0\dbch\af35\loch\f0 insur}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid417150\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ed}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid617755\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  at that time after 27 J}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid417150\charrsid10238123 \hich\af0\dbch\af35\loch\f0 anuary 2001 until January 2002, because }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid617755\charrsid10238123 \hich\af0\dbch\af35\loch\f0 the property was not insured.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12681155\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Cross}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3439845\charrsid10238123 -}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12681155\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  Examination}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3439845\charrsid10238123 \hich\af0\dbch\af35\loch\f0  (B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid417150\charrsid10238123 \hich\af0\dbch\af35\loch\f0 y P)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12681155 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 11}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12681155\charrsid10238123 \hich\af0\dbch\af35\loch\f0 9.\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3806123\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The\hich\af0\dbch\af35\loch\f0 
 witness stated the loan was given to refinance the ANZ debt. The security was the property in Seaqaqa. The property had a Native Lease with a term of 99 years. The zone type was commercial. The loans officer visited the property and there was shop on the
\hich\af0\dbch\af35\loch\f0  \hich\af0\dbch\af35\loch\f0 bottom floor and billiard table on the second floor. A store}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15358100\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  is classed as commercial. The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3806123\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank would have taken into consideration how the money was to be paid. The source of repayment was that the plaintiff was a businessman. The shop is in the wife}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3806123\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s na\hich\af0\dbch\af35\loch\f0 me. The source of the money from the plaintiff was some fishi}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15358100\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 ng activity. On its visit, the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3806123\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank would have seen the business. The plaintiff had to provide the insurance. The first drawdown was on 22 February 2000. At that time there was an }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13203945\charrsid10238123 \hich\af0\dbch\af35\loch\f0 existing}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3806123\charrsid10238123 \hich\af0\dbch\af35\loch\f0  insura\hich\af0\dbch\af35\loch\f0 
nce cover. It was a requirement of the loan that the plaintiff provide a cover with the mortgagee}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3806123\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s interest noted in it. The cover was initially provided by the plaintiff but not given to the }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0 B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3806123\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank. Bank relied on the solicitors and gave the money to the p\hich\af0\dbch\af35\loch\f0 
laintiff because solicitors protect the bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3806123\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s interest. There was no certificate by the solicitor. To the satisfaction of the soli}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15358100\charrsid10238123 \hich\af0\dbch\af35\loch\f0 citors, there was a cover. The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3806123\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank assumed there was a cover.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13203945\charrsid10238123 \hich\af0\dbch\af35\loch\f0  The cover expired on 27 January 2001. He can say that because \hich\af0\dbch\af35\loch\f0 
he managed to extract the date from the documents provided by the sol}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
icitors for the plaintiff. The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13203945\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank wrote }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13203945\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P Ex \hich\f0 \endash \loch\f0  1}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13203945\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
. The first sentence says that the insurance cover was due for renewal on 31 December 2001. It is not correct that the plaintiff did not \hich\af0\dbch\af35\loch\f0 have insurance for one year.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3806123\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13203945\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 The offer letter says tha}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid417150\charrsid10238123 \hich\af0\dbch\af35\loch\f0 t the amount of cover would be $}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13203945\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
240,000 and the premium would be $1,440.00. This letter was not taken to the plaintiff. The customer had an option to pay the premium directly or h}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15358100\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ave his account debited\hich\af0\dbch\af35\loch\f0  by the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13203945\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank for payment of premiums. In this case the customer}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13203945\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s account was being debited.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12681155 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 12}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5118087\charrsid10238123 0.\tab \hich\af0\dbch\af35\loch\f0 When the option was given to the customer, he did make an option. The letter would have been on a letter head.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5118087\charrsid10238123 \hich\af0\dbch\af35\loch\f0 He has seen the policy later. The customer }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid417150\charrsid10238123 \hich\af0\dbch\af35\loch\f0 was\hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5118087\charrsid10238123 \hich\af0\dbch\af35\loch\f0 given a copy of the policy but when}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid417150\charrsid10238123 \hich\af0\dbch\af35\loch\f0  Mr. Sen }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5118087\charrsid10238123 \hich\af0\dbch\af35\loch\f0 asked }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid417150\charrsid10238123 \hich\af0\dbch\af35\loch\f0 him }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5118087\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
when he was given a copy; there was no answer from the witness. He then said that he has not seen the actual policy. When he was going through the evidence, it was provided by the insurance comp}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15358100\charrsid10238123 \hich\af0\dbch\af35\loch\f0 any. Th\hich\af0\dbch\af35\loch\f0 ere is no letter in the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5118087\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank file which says that the copy of the policy was sent to the customer.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3373036\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 He would not know whether the policy would be sent to the customer because another department deals with the issue. Under the head insured, the use of }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16674105\charrsid10238123 \hich\af0\dbch\af35\loch\f0 the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3373036\charrsid10238123 \hich\af0\dbch\af35\loch\f0 wo\hich\af0\dbch\af35\loch\f0 rd }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3373036\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 others}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3373036\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3373036\charrsid10238123 \hich\af0\dbch\af35\loch\f0 would mean anyone having interest and it would include the owners. The terms }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3373036\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 basis for settlement}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3373036\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 meant on the banks basis. The cover was provided by the insurance. The loss would be reinstated or replaced by the insurance. Bank had filled th\hich\af0\dbch\af35\loch\f0 e proposals for the insurance company. A copy of }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0 that proposal}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3373036\charrsid10238123 \hich\af0\dbch\af35\loch\f0  should have been given to the plaintiff. There is a procedure to send the propos}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0 als. He would have perused the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3373036\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank files. There is no copy of what was sent. The word }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3373036\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 you}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3373036\charrsid10238123 \hich\af0\dbch\af35\loch\f0  under claims procedu\hich\af0\dbch\af35\loch\f0 re in }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15358100\charrsid10238123 \hich\af0\dbch\af35\loch\f0 the summary of cover means the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3373036\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank. When the policy comes up for renewal, a new for}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16674105\charrsid10238123 \hich\af0\dbch\af35\loch\f0 m is not filled. He cannot show}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3373036\charrsid10238123 \hich\af0\dbch\af35\loch\f0  any change}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16674105\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3373036\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  in condition so the conditions in summary cover will apply in 2003 too}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 . The insurance officer of the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3373036\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank would have fille
\hich\af0\dbch\af35\loch\f0 d the proposal form. There was no signature of the plaintiff.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6751826\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16674105\charrsid10238123 \hich\af0\dbch\af35\loch\f0 T}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0 he B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6751826\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank would have inspected the property. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16674105\charrsid10238123 \hich\af0\dbch\af35\loch\f0 It}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6751826\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 sought residential cover because the property was partly residential. He could not answer why a commercial cover was not taken. After the house was}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0  destroyed by fire, the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6751826\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank still proposed to have the property insured. There was no}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0  insurance but a proposal. The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6751826\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank did not proceed to mortgagee sale after advertisement in the Fiji Times of 24 April 2002 because it did not receive any interest from \hich\af0\dbch\af35\loch\f0 anyone. As }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0 b}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6751826\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 ank officers, they are required to compare signatures. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2573990\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
The witness said that the signature on Exhibit 23 is similar to other signatures of the plaintiff. When he was asked to look at the entire signature, the witness said he did not wish to com\hich\af0\dbch\af35\loch\f0 ment on the same.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2573990 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 12}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2573990\charrsid10238123 \hich\af0\dbch\af35\loch\f0 1.\tab 
He said that the contents of that letter were not verified. After the fire, the brokers were informed of the same. The brokers asked them to provide quotes. They did provide it to the brokers. To his knowledge, the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2573990\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P Ex- 8 to 11}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2573990\charrsid10238123 \hich\af0\dbch\af35\loch\f0  wer\hich\af0\dbch\af35\loch\f0 
e not shown to them by the brokers. He does not know for what amount the claim was lodged by the brokers. He does not know what the plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2573990\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s loss was. Even from the correspondence, he cannot recall what the l}
{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0 oss of the plaintiff was. The Ba}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2573990\charrsid10238123 \hich\af0\dbch\af35\loch\f0 nk}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2573990\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s entitlem\hich\af0\dbch\af35\loch\f0 
ent to the claim was the total loss. The claim was lodged without the amount of loss. The quotes provided the loss. They also depended on broker}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2573990\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s assessment. The claim for loss by the brokers was $130,000 to $140,000.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2573990 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 12}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7610578\charrsid10238123 \hich\af0\dbch\af35\loch\f0 2.\tab The witness said that he was re\hich\af0\dbch\af35\loch\f0 
sponsible for dealing with the claim. He relied on quotes to say that the l}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
oss or claim was $149,000. The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7610578\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank was selling the property so the plaintiff}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7610578\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s loss was not taken into account. The default was two years prior to the fire. There was an intervenin\hich\af0\dbch\af35\loch\f0 
g loss for which they would sell the property and claim loss from the insurance. The second advertisement in 2005 gave them the right to sell. Between 2003 to 2005, they were trying to sell the property on }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16674105\charrsid10238123 \hich\af0\dbch\af35\loch\f0 AS}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7610578\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16674105\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 IS WHERE IS}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7610578\charrsid10238123 \hich\af0\dbch\af35\loch\f0  basis. To sell in 2003}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16674105\charrsid10238123 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7610578\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 they relied\hich\af0\dbch\af35\loch\f0  on the advertisement of 2002.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2573990\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7610578\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
The tenders had closed by then on 8 May 2002. The witness said that on 4 May 2004 he wrote an email to the insurance comp}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 any wherein he stated that the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7610578\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank will accept the sum of $149,000 as replacement/repair costs and that\hich\af0\dbch\af35\loch\f0  the sum of $79,000 was not accepted. He did not get a figure of loss from the plaintiff as he visited the insurance company. The email was tendered as }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7610578\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P Ex- 12}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7610578\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5118087 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 12}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7610578\charrsid10238123 \hich\af0\dbch\af35\loch\f0 3.\tab By his diary note of 10 January 2005, he had recommended that the figure of $79,000 be a\hich\af0\dbch\af35\loch\f0 cce}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0 pted by the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7610578\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank. The}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3369921\charrsid10238123 \hich\af0\dbch\af35\loch\f0  diary note was tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3369921\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P Ex 13}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3369921\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
. The insurance company did not pay because the issue was that the property was commercial instead of being residential and one of the reasons why they accepted $79,000 was that there was material \hich\af0\dbch\af35\loch\f0 
non- disclosure. The $79,000 was the indemnity cover. Indemnity cover means that no party has claim ag}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 ainst the other. Initially the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3369921\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank wanted the plaintiff to sign the acceptance of $79,000. They went to the plaintiff to have it signed but it was refuse\hich\af0\dbch\af35\loch\f0 d.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 When that was refused the Ba}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3369921\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
nk gave an indemnity and accepted the sum of $79,000. After acceptance of $79,000, the amount }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16674105\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
owing on the property was $180, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3369921\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
580.09. That included for the vehicle as well. The portion for the housing would be $170,000. If ba\hich\af0\dbch\af35\loch\f0 
nk paid $149,000, the balance would be $20,000. The plaintiff offered $20,000 to pay off the debt. After the plaintiff had refused $79,000, there was no formal correspondence to the plaintiff from the bank. He may have been probably told that whether or n
\hich\af0\dbch\af35\loch\f0 o\hich\af0\dbch\af35\loch\f0 t he accepted the monies the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0 B}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3369921\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank wou}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16674105\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ld proceed to accept the same. T}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3369921\charrsid10238123 \hich\af0\dbch\af35\loch\f0 hey believed that it was necessary that the plaintiff provided his consent to the}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0  acceptance of the monies. The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3369921\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank did not receive actual loss in terms of }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0 the debt but one quantified by\hich\af0\dbch\af35\loch\f0  B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3369921\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank. They exercised their rights as a mortgagee. He did not compromise the bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3369921\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s position. He is not a privy t}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0 o the conversation between the B}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3369921\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank and the plaintiff after the fire}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10837826\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank was still communicating to the plaintiff after the property was \hich\af0\dbch\af35\loch\f0 advertised becau}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16674105\charrsid10238123 \hich\af0\dbch\af35\loch\f0 se the arrears occurred}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10837826\charrsid10238123 \hich\af0\dbch\af35\loch\f0  2 years prior. The brokers had asked}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0  the plaintiff for quotes. The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10837826\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank did not make any representations to the plaintiff that he will be fully compensated for the loss. After receiving $79,000 the previous s. 80 not\hich\af0\dbch\af35\loch\f0 
ice was sufficient to continue with the mortgagee sale. There were some issues so the insurance company took time to settle the claim. The }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0 issues were as a result of the Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s conduct. The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10837826\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank dealt with the plaintiff after the fire to keep him informed.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7610578 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10837826\charrsid10238123 \hich\af0\dbch\af35\loch\f0 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 2}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10837826\charrsid10238123 \hich\af0\dbch\af35\loch\f0 4.\tab 
The notice by the bank of 5 February 2002 shows the total debt at $154,852.74. That is still applicable. The plaintiff paid some money on 26 March 2002 but t}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0 he notice was still valid. The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10837826\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank was the insured an}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0 d that was the position of the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10837826\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank fr\hich\af0\dbch\af35\loch\f0 om }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0 the beginning. The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10837826\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank was not neglig}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ent in obtaining a policy. The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10837826\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank did not compromise the plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10837826\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s position by acc}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0 epting the sum of $79,000. The B}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10837826\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank did not treat the plaintiff unfairly.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 It was represented to the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13712038\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank that the wife was the ow
\hich\af0\dbch\af35\loch\f0 ner of the business but he does not know }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2126783\charrsid10238123 \hich\af0\dbch\af35\loch\f0 the actual owners na}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13712038\charrsid10238123 \hich\af0\dbch\af35\loch\f0 me.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2126783 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3439845\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Cross-Examination (B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16674105\charrsid10238123 \hich\af0\dbch\af35\loch\f0 y D2)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16674105 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 12}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13712038\charrsid10238123 \hich\af0\dbch\af35\loch\f0 5.\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16674105\charrsid10238123 \hich\af0\dbch\af35\loch\f0 In c}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2126783\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ross- examination by the second defendant the witness stated that the reference to the word }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2126783\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 you}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2126783\charrsid10238123 \hich\af0\dbch\af35\loch\f0  in }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2126783\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P Ex-1 }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0 is the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2126783\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank. The name of the insured in the su\hich\af0\dbch\af35\loch\f0 mmar}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0 y of cover is the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2126783\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank. There are no }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0 records of any cover after the Tower I}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2126783\charrsid10238123 \hich\af0\dbch\af35\loch\f0 nsurance cover exp}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ired. The debt of $170,000 was B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2126783\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2126783\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
s exposure. If the owner wanted to redeem, he would have had to pay $180,000. The 4th defendant has not accepted the settle\hich\af0\dbch\af35\loch\f0 ment and the balance outstanding till date does not include $33,000.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13712038 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 12}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2126783\charrsid10238123 \hich\af0\dbch\af35\loch\f0 6. \tab 
After the mortgagee sale advertisement of 26 February 2005, the 4th defendant put in his tender on the same day. He does not know when his tender was received. After the sum of $79\hich\af0\dbch\af35\loch\f0 
,000 was received, the debt would be reduced. There was no demand to pay the reduced debt.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2126783\charrsid10238123 \hich\af0\dbch\af35\loch\f0 There was an eviction notice dated 12 April 2005 by the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0 B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2126783\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 ank through it solicitors. He does not know when that letter was served on the mortgagor. There was an attem\hich\af0\dbch\af35\loch\f0 pt to convey the property to the 4th defendant because of the sale and }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0 purchase agreement between the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2126783\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank and the 4th defendant. The plaintiff stopped the registration of transfer with an injunction. Since the injunction is until the finalization of the c\hich\af0\dbch\af35\loch\f0 ase, the transfer is not effected until date.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14819989\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Re-}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6049056\charrsid10238123 \hich\af0\dbch\af35\loch\f0 E}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14819989\charrsid10238123 \hich\af0\dbch\af35\loch\f0 xamination}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14819989 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 12}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14819989\charrsid10238123 \hich\af0\dbch\af35\loch\f0 7.\tab 
He now does not think that there was a necessity to get a discharge from the plaintiff for the settlement of the insurance claim. The initial request was to ma}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ke the plaintiff aware but th\hich\af0\dbch\af35\loch\f0 e B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14819989\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank could have proceeded on its own. The amount on the cover was not reduced because of the fact that}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637756\charrsid10238123 \hich\af0\dbch\af35\loch\f0  policy was domestic. When the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14819989\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank inspects the property, it protects its interest. He has not seen a letter where the plaintiff has ticked the options
\hich\af0\dbch\af35\loch\f0  how the insurance could be paid.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14819989 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16674105\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D2}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16674105 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 12}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14819989\charrsid10238123 \hich\af0\dbch\af35\loch\f0 8.\tab The 2nd defendant did not offer any evidence at the trial.
\par 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D4 W1\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6449307\charrsid10238123 -}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14819989\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 Mohammed Shaheem Airud Khan}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0  \hich\f0 \endash \loch\f0 
 Examination in Chief}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14819989 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 12}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14819989\charrsid10238123 \hich\af0\dbch\af35\loch\f0 9.\tab The 4th defendant gave evidence himself. In his }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2649789\charrsid10238123 \hich\af0\dbch\af35\loch\f0 evidence, he }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14819989\charrsid10238123 \hich\af0\dbch\af35\loch\f0 explained that in the year \hich\af0\dbch\af35\loch\f0 
2005 he saw an advertisement in Fiji Times where Lateef & Lateef lawyers had advertised for mortgagee sale. He put in his tender. His tender was considered. Mr. Sarju Prasad was his }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13516151\charrsid10238123 \hich\af0\dbch\af35\loch\f0 conveyancing }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14819989\charrsid10238123 \hich\af0\dbch\af35\loch\f0 lawyer}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13516151\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14819989\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  He went to sign the agreement and pay 10 % deposit on\hich\af0\dbch\af35\loch\f0  tender after which the papers were lodged by Mr. Prasad with Lateef}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14819989\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6449307 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 13}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6449307\charrsid10238123 0.\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1596973\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 S}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14819989\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ometimes later Mr. Prasad told him that there was a caveat on the said property. All his money was in Mr. Prasad}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14819989\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s trust account.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1596973\charrsid10238123 \hich\af0\dbch\af35\loch\f0  When the caveat was withdrawn, settlement was \hich\af0\dbch\af35\loch\f0 
effected. After settlement, Mr. Maharaj lodged the transfer. He was told that the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1596973\charrsid10238123 \hich\af0\dbch\af35\loch\f0 stamp duty by the 1st}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0  mortgagor}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1596973\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13516151\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 was }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1596973\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
not paid so he requested for a breakdown. He tendered the letter by the Stamp Duties which was marked as }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1596973\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 D4 Ex}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13516151\charrsid10238123 \hich\af0\dbch\af35\loch\f0  1}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1596973\charrsid10238123 \hich\af0\dbch\af35\loch\f0  . He paid the stamp duty.\hich\af0\dbch\af35\loch\f0  He re}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13516151\charrsid10238123 -}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1596973\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
lodged the transfer. He paid the stamp duty in the sum of $2175.00. This is apart from the $33,000 that he paid. When he followed up, he was told about the injunction. Sashi Lochan held onto his transfer. The order was placed on the property on 28 A
\hich\af0\dbch\af35\loch\f0 
ugust 2006. The settlement was done on 6 October 2005. There was no clause in the sale and purchase agreement to stop the transfer. He could have invested his money in the sum of $33,000. He should be paid interest by the bank at 10 %.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1596973 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6449307\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Cross-}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3439845\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Examination (\hich\af0\dbch\af35\loch\f0 B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6449307\charrsid10238123 \hich\af0\dbch\af35\loch\f0 y P)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1596973 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 131}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1596973\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 Under cross-examination, the witness said that the sale & purchase}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0  agreement between him and the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1596973\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank was read out to him by Mr. Prasad and the agreement at clause k read that it was conditional on removal of any caveat by the mortgagee if lodg\hich\af0\dbch\af35\loch\f0 
ed by any person against the title or any court order obtained by the mortgagor restraining the mortgagee from selling the property. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1596973 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 132}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1596973\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12994035\charrsid10238123 \tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1596973\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 The sale & purchase agreement was tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1596973\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P Ex 14}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . The witness said that the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1596973\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank did not offer to give the mon\hich\af0\dbch\af35\loch\f0 ey back to him. He also did not ask for it back. }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12994035\charrsid10238123 \hich\af0\dbch\af35\loch\f0 He wants his money back and compensation too. He is l}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13516151\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ea}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12994035\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ving the matter }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13516151\charrsid10238123 \hich\af0\dbch\af35\loch\f0 to the Court}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6449307\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12994035 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 133}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12994035\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 There was no cross examination by the other defendants and the 4th defendant did not raise any further clarification
\hich\af0\dbch\af35\loch\f0  upon the cross examination by the plaintiff.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13516151\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12994035\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The Law and Analysis }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12994035 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11881761\charrsid10238123 \hich\af0\dbch\af35\loch\f0 134}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12994035\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5068237\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 This case involves a lot of factual and legal considerations. The parties would have appreciated that. Despite that fact, I am surprised that neither party has drafted the agreed fa\hich\af0\dbch\af35\loch\f0 
cts and the issues to be tried by the Court.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5068237 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12916957\charrsid10238123 \hich\af0\dbch\af35\loch\f0 13}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 5}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5068237\charrsid10238123 
.\tab \hich\af0\dbch\af35\loch\f0 The submissions also address various}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13516151\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 matters without requiring the C}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5068237\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ourt to deal with specific issues. There }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6765487\charrsid10238123 \hich\af0\dbch\af35\loch\f0 is no pre-trial conference minute}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5068237\charrsid10238123 \hich\af0\dbch\af35\loch\f0  in the records or copy pleadings. I have attempted to deal wit\hich\af0\dbch\af35\loch\f0 
h various issues arising out of the pleadings and the trial. 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6765487\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5068237\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6369922\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Parties to the C}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5068237\charrsid10238123 \hich\af0\dbch\af35\loch\f0 on}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6369922\charrsid10238123 \hich\af0\dbch\af35\loch\f0 tract of I}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5068237\charrsid10238123 \hich\af0\dbch\af35\loch\f0 nsurance}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5068237 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12916957\charrsid10238123 \hich\af0\dbch\af35\loch\f0 13}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5068237\charrsid10238123 \hich\af0\dbch\af35\loch\f0 6.\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6765487\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6449307\charrsid10238123 \hich\af0\dbch\af35\loch\f0  and the Insurance Company}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5068237\charrsid10238123 \hich\af0\dbch\af35\loch\f0  both maintain that }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6765487\charrsid10238123 \hich\af0\dbch\af35\loch\f0 only they are the parties to the contract and}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5068237\charrsid10238123 \hich\af0\dbch\af35\loch\f0  as a result they had the right to enter into a\hich\af0\dbch\af35\loch\f0 
 compromise under the contract of insurance without consultation and consent of the plaintiff.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5068237\charrsid10238123 \hich\af0\dbch\af35\loch\f0  
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5068237 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12916957\charrsid10238123 \hich\af0\dbch\af35\loch\f0 13}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5068237\charrsid10238123 \hich\af0\dbch\af35\loch\f0 7.\tab The }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6765487\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5068237\charrsid10238123 \hich\af0\dbch\af35\loch\f0  states that the reason why }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6765487\charrsid10238123 \hich\af0\dbch\af35\loch\f0 it }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5068237\charrsid10238123 \hich\af0\dbch\af35\loch\f0 became the party to the contract is that the plaintiff allowed the Tower Insurance policy to collapse }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10965863\charrsid10238123 \hich\af0\dbch\af35\loch\f0 which gave ri\hich\af0\dbch\af35\loch\f0 se to the need for the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15279474\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10965863\charrsid10238123 \hich\af0\dbch\af35\loch\f0  to arrange an insurance cover to protect its }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6765487\charrsid10238123 \hich\af0\dbch\af35\loch\f0 interests}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10965863\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10965863 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 13}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10965863\charrsid10238123 \hich\af0\dbch\af35\loch\f0 8.\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5382654\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
The plaintiff says that the bank officers had come to his house with a letter dated 12 December 2001. They told him that it is good to have the loan and insurance fro\hich\af0\dbch\af35\loch\f0 m one place. He was asked to tick the opt}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12916957\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ion. He ticked the one for the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5382654\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank to pay the premium and charge to his account. He was then s}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4531678\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ent }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4531678\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P Ex- 2}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4531678\charrsid10238123 \hich\af0\dbch\af35\loch\f0  to confirm that }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12916957\charrsid10238123 \hich\af0\dbch\af35\loch\f0 the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5382654\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank ha}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4531678\charrsid10238123 \hich\af0\dbch\af35\loch\f0 d}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5382654\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  arranged the insurance and that the premium would be charged to his loan accoun\hich\af0\dbch\af35\loch\f0 t. The bank officer also told him that they will renew the policy.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5382654 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 13}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5382654\charrsid10238123 \hich\af0\dbch\af35\loch\f0 9.\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13310168\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Upon hearing the oral evidence and perusing the documentation, I find that it is not }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6765487\charrsid10238123 \hich\af0\dbch\af35\loch\f0 correct }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13310168\charrsid10238123 \hich\af0\dbch\af35\loch\f0 that the plaintiff allowed his Tower Insurance Policy to collapse. Mr. Kevin Yuen is not t\hich\af0\dbch\af35\loch\f0 
elling the truth on }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4531678\charrsid10238123 \hich\af0\dbch\af35\loch\f0 this issue. He stated under }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13310168\charrsid10238123 \hich\af0\dbch\af35\loch\f0 cross-examination that the policy expired on 27 Janua}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid476396\charrsid10238123 \hich\af0\dbch\af35\loch\f0 r}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13310168\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 y 2001 and the property was uninsured for one year. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid476396\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Neither party ten}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15610565\charrsid10238123 \hich\af0\dbch\af35\loch\f0 dered the Tower Insurance policy but the evidence of M}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12916957\charrsid10238123 \hich\af0\dbch\af35\loch\f0 r. Yuen is contradicted by the \hich\af0\dbch\af35\loch\f0 B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15610565\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15610565\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s own document dated 12 December 2001 being }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15610565\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P Ex- 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15610565\charrsid10238123 \hich\af0\dbch\af35\loch\f0  and}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4531678\charrsid10238123 \hich\af0\dbch\af35\loch\f0 /or}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15610565\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15610565\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D Ex-11}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15610565\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15610565 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 14}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15610565\charrsid10238123 0.\tab \hich\af0\dbch\af35\loch\f0 That letter in its first paragraph reads:}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15610565 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }\pard \ltrpar\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10238123 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 " }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15610565\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
You may be aware insurance cover in respect of your home is due for renewal on 31 December 2001}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15610565\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15610565 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10238123 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 14}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15610565\charrsid10238123 \hich\af0\dbch\af35\loch\f0 1.\tab From that first paragraph, i\hich\af0\dbch\af35\loch\f0 
t is apparent that before the Tower Insurance cover could expire, the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6765487\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15610565\charrsid10238123 \hich\af0\dbch\af35\loch\f0  had given the plaintiff an offer on 12 December 2001 to accept an insurance arranged by }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6765487\charrsid10238123 \hich\af0\dbch\af35\loch\f0 it. It is not correct that the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15610565\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank had to take such an action because the plaintiff had allo\hich\af0\dbch\af35\loch\f0 wed the policy to collapse.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15610565 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 14}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15610565\charrsid10238123 \hich\af0\dbch\af35\loch\f0 2.\tab I do not find any credible evidence to contradict the evidence of the plaintiff that}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6765487\charrsid10238123 \hich\af0\dbch\af35\loch\f0  he by his options allowed the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15610565\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank to arrange a cover, pay the premium and charge the same }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6765487\charrsid10238123 \hich\af0\dbch\af35\loch\f0 to his account. The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15610565\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank says that it does not\hich\af0\dbch\af35\loch\f0 
 have any documentation to that effect but that does not mean that the plaintiff did not act on the offer.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6765487\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid734033\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank does not have everything in its file. One such example was the mortgagee sale advertisement in the daily post.}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid734033 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 14}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid734033\charrsid10238123 \hich\af0\dbch\af35\loch\f0 3.\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8718133\charrsid10238123 \hich\af0\dbch\af35\loch\f0 I find the plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8718133\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s \hich\af0\dbch\af35\loch\f0 evidence c}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6765487\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
redible that he authorized the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8718133\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank to deduct the premium from his loan account. The plaintiff did say that he s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3414883\charrsid10238123 \hich\af0\dbch\af35\loch\f0 aw}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8718133\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8718133\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P Ex -1 }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8718133\charrsid10238123 \hich\af0\dbch\af35\loch\f0 or}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8718133\charrsid10238123 \hich\af0\dbch\af35\loch\f0  D Ex -11}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4531678\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8718133\charrsid10238123 \hich\af0\dbch\af35\loch\f0 in Court the day he gave evidence. Those exhibits are one and the same and is a }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4531678\charrsid10238123 \hich\af0\dbch\af35\loch\f0 x}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3414883\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 erox}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8718133\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3414883\charrsid10238123 \hich\af0\dbch\af35\loch\f0 of what the plaintiff was\hich\af0\dbch\af35\loch\f0 
 given by the bank officers to tick. The original, as per the evidence, would have been on the letter head. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4531678\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 For}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3414883\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 an illiterate person what remains in the memory is the look of the document and any outstanding features. I have no reason to doubt the plaintif\hich\af0\dbch\af35\loch\f0 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3414883\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s evidence. On the contrary Mr. Yuen was not honest in his evidence. I will, as I go along, highlight }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4531678\charrsid10238123 \hich\af0\dbch\af35\loch\f0 other}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3414883\charrsid10238123 \hich\af0\dbch\af35\loch\f0  instances where I found Mr. Yuen}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3414883\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s evidence inconsistent, evasive, contradictory and incredible.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3414883 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 14}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6765487\charrsid10238123 \hich\af0\dbch\af35\loch\f0 4.\tab The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3414883\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank says that it negotiated a cover be\hich\af0\dbch\af35\loch\f0 cause the plaintiff allowed his policy to collapse leaving the }
{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12916957\charrsid10238123 \hich\af0\dbch\af35\loch\f0 B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3414883\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3414883\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s interest unprotected. Even }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6765487\charrsid10238123 \hich\af0\dbch\af35\loch\f0 if the plaintiff did this, the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3414883\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3414883\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s position in terms of nominating the insured would not have changed}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4531678\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3414883\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4531678\charrsid10238123 \hich\af0\dbch\af35\loch\f0 T}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3414883\charrsid10238123 \hich\af0\dbch\af35\loch\f0 he summary of cover }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4531678\charrsid10238123 \hich\af0\dbch\af35\loch\f0 as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6765487\charrsid10238123 \hich\af0\dbch\af35\loch\f0 per the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3414883\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3414883\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s own evidence w\hich\af0\dbch\af35\loch\f0 as attached to }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3414883\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P Ex -1}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3414883\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . The cover had not expired and the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6765487\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3414883\charrsid10238123 \hich\af0\dbch\af35\loch\f0 had endorsed the insured to be }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3414883\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 National Bank }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7679145\charrsid10238123 \hich\af0\dbch\af35\loch\f0 o}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3414883\charrsid10238123 \hich\af0\dbch\af35\loch\f0 f Fiji trading as Colonial National Bank and others as may be declared for their respective rights and interests}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3414883\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3416439\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6765487\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3416439\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4531678\charrsid10238123 \hich\af0\dbch\af35\loch\f0  always}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3416439\charrsid10238123 \hich\af0\dbch\af35\loch\f0  had the intenti\hich\af0\dbch\af35\loch\f0 
on to name itself as the insured before the plaintiff allowed the policy to collapse or before the plaintiff acted on the offer. The }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3416439\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D Ex- 12}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3416439\charrsid10238123 \hich\af0\dbch\af35\loch\f0  which is the summary of cover is evidence of that intention.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15604424 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 145}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3416439\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 Now let me make a finding as to who actually ar\hich\af0\dbch\af35\loch\f0 
e the parties to the contract. Let me first make a finding on law. I will then make a finding of fact.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3416439 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 146}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4401380\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4401380\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
To claim under his insurance the insured does not have to prove his interest. Lack of interest may be raised as a defence by the insurer}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4401380\charrsid10238123 \hich\af0\dbch\af35\loch\f0 : }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7679145 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2308767\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Clark\hich\af0\dbch\af35\loch\f0 e, M. A: }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2308767\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 The Law of Insurance Contracts}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2308767\charrsid10238123 \hich\af0\dbch\af35\loch\f0 , Third Edition, London, 1997, Pg. 103, Para. 4-1D.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4401380 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4401380\charrsid10238123 \hich\af0\dbch\af35\loch\f0 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 47}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4401380\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2308767\charrsid10238123 \tab }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2308767\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The mortgagor of goods retains an insurable interest in the goods even if his debt }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13003215\charrsid10238123 \hich\af0\dbch\af35\loch\f0 i}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2308767\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s greater than the value of the goods insured. The mortgagor of the land\hich\af0\dbch\af35\loch\f0 
 retains an insurable interest in the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10516397\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
property subject of the mortgage. Even if he has sold the equity of redemption, the property right which most clearly justifies his insurable interest, the mortgagor will retain an insurable interest if he also retains\hich\af0\dbch\af35\loch\f0 
 potential liability under the mortgage}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10516397\charrsid10238123 \hich\af0\dbch\af35\loch\f0 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10516397\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7679145 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4670456\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Clarke, M.A: }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4670456\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 T}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10516397\charrsid10238123 \hich\af0\dbch\af35\loch\f0 he Law of }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7825085\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Insurance Contracts}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4670456\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 , }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12544433\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (supra)}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10516397\charrsid10238123 \hich\af0\dbch\af35\loch\f0  Pg. 120 at para}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7825085\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6369922\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10516397\charrsid10238123 \hich\af0\dbch\af35\loch\f0 4-5G1.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4401380 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 148}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10516397\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4152457\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 On the law it is clear that the plaintiff had an insurable interest in the property. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12986532 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 149}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4152457\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 What can be determined from the fac\hich\af0\dbch\af35\loch\f0 
ts of the case? I will reiterate that under the summary of cover, the insured is noted as the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4152457\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
National Bank of Fiji trading as Colonial National Bank and others as may be declared for their respective rights and interests}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4152457\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4152457 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 150}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4152457\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The term }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4152457\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 others as may b\hich\af0\dbch\af35\loch\f0 e declared for their respective rights and interests}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4152457\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7825085\charrsid10238123 \hich\af0\dbch\af35\loch\f0 immediately indicates that the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4152457\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank is not the only}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7825085\charrsid10238123 \hich\af0\dbch\af35\loch\f0  party to the contract. If the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4152457\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank was the exclusive party to the contract, there was no need for addition of the words }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4152457\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 and others as may be declared\hich\af0\dbch\af35\loch\f0  for their respective rights and interests}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4152457\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4152457 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 151}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4152457\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 Who does the terms }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4152457\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 others}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4152457\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4152457\charrsid10238123 \hich\af0\dbch\af35\loch\f0 include? The term }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4152457\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 others}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4152457\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 include those who have an insurable interest in the property and clearly by law that is the plaintiff being the owner of the land.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4152457 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 152}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4670456\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4152457\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank says\hich\af0\dbch\af35\loch\f0  that the plaintiff has to prove that he is included by the term }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4152457\charrsid10238123 \hich\af0\dbch\af35\loch\f0 others}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4152457\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
. The onus of proving that the plaintiff does not have an insurable interest is on the insurer and not the plaintiff.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4152457 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 153}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4152457\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7412887\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 Even }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7679145\charrsid10238123 \hich\af0\dbch\af35\loch\f0 if I}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13003215\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7412887\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 were wrong in stating the legal position on the o\hich\af0\dbch\af35\loch\f0 nus of proving the insurable interest, there }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2556137\charrsid10238123 \hich\af0\dbch\af35\loch\f0 are sufficient evidence on the facts of the case }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7412887\charrsid10238123 \hich\af0\dbch\af35\loch\f0 to establish that the plaintiff is }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4670456\charrsid10238123 \hich\af0\dbch\af35\loch\f0 a}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7412887\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  party to the contract. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4152457 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 154}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7412887\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 It is undisputed that the plaintiff is the owner of the property which was destroyed in the fir\hich\af0\dbch\af35\loch\f0 
e }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4670456\charrsid10238123 \hich\af0\dbch\af35\loch\f0 which peril was insured by the Insurance C}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7412887\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ompany. The two people who were at the risk }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7825085\charrsid10238123 \hich\af0\dbch\af35\loch\f0 of losing the property was the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7412887\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank and the plaintiff so it is not rocket science to make a finding that the term }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4670456\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 others}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7412887\charrsid10238123 \hich\af0\dbch\af35\loch\f0  includes the plaintiff as the person with an \hich\af0\dbch\af35\loch\f0 insurable interest.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7412887 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 155}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7412887\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 What surprises me at this stage is that none of the parties have tendered the insurance policy in evidence. It is in the }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7679145\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Insurance Company}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7679145\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7412887\charrsid10238123 \hich\af0\dbch\af35\loch\f0 agreed bundle o}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4670456\charrsid10238123 \hich\af0\dbch\af35\loch\f0 f documents but at the trial }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7679145\charrsid10238123 \hich\af0\dbch\af35\loch\f0 it }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7412887\charrsid10238123 \hich\af0\dbch\af35\loch\f0 did not proffer any evidence. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7412887 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 156}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7412887\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 Anoth\hich\af0\dbch\af35\loch\f0 er piece of evidence upon which I find that the plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9843560\charrsid10238123 \hich\af0\dbch\af35\loch\f0  is a party to the insurance contract is the 2nd}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4670456\charrsid10238123 \hich\af0\dbch\af35\loch\f0  paragraph of the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9843560\charrsid10238123 \hich\af0\dbch\af35\loch\f0 anks letter dated 12 December 2001. This was tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9843560\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P Ex- 1 }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9843560\charrsid10238123 \hich\af0\dbch\af35\loch\f0 and }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9843560\charrsid10238123 \hich\af0\dbch\af35\loch\f0 DEx-11.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 \hich\af0\dbch\af35\loch\f0  It reads:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7412887 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }\pard \ltrpar\ql \li567\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid10238123 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Colonial National Bank is pleased to advise
\hich\af0\dbch\af35\loch\f0  that it is able to offer }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 \hich\af0\dbch\af35\loch\f0 you}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 \hich\af0\dbch\af35\loch\f0  the following insurance cover to protect }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 \hich\af0\dbch\af35\loch\f0 your}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 \hich\af0\dbch\af35\loch\f0  interests in your house}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 .}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10238123 {\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 157}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9843560\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4670456\charrsid10238123 \tab \hich\af0\dbch\af35\loch\f0 The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s witness Mr. Yuen said that the words }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 you}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 \hich\af0\dbch\af35\loch\f0  and }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 \hich\af0\dbch\af35\loch\f0 your}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 \hich\af0\dbch\af35\loch\f0 in the above letter meant the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4670456\charrsid10238123 \hich\af0\dbch\af35\loch\f0 B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 ank. That clearly is a biased statement. I do not k\hich\af0\dbch\af35\loch\f0 now why Mr. Yuen would try to distort what is obvious but any lay person cannot make the mistake}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4670456\charrsid10238123 \hich\af0\dbch\af35\loch\f0  that if the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank is writing to the plaintiff it would not refer to itself as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 you}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 \hich\af0\dbch\af35\loch\f0  or }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 \hich\af0\dbch\af35\loch\f0 your}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4670456\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 . Moreover how can the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank make an offer to itself?}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9843560 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 158}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab I find \hich\af0\dbch\af35\loch\f0 that the words }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 you}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7679145\charrsid10238123 \hich\af0\dbch\af35\loch\f0 and }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 \hich\af0\dbch\af35\loch\f0 your}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  me}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4670456\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ant the plaintiff and that the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank, by that letter, offered to negotiate a cover to protect its interests as well as the interest of the plaintiff and indeed it secured a cover to protect its interest as well as the inter\hich\af0\dbch\af35\loch\f0 
est of the plaintiff that is why it named itself as the insured and }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 \hich\af0\dbch\af35\loch\f0 others}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4670456\charrsid10238123 \hich\af0\dbch\af35\loch\f0  too. If the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank says that the plaintiff is not i}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4670456\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ncluded as an insured then the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank has breached its own offer by insuring the property to the full value and not including the pl\hich\af0\dbch\af35\loch\f0 
aintiff as a party to the contract}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10751175\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 but what remains is that the plaintiff maintains an insurable interest in the property by virtue of the fact that he is the owner of the property with potential liability and by virtue of the fact that the property was in\hich\af0\dbch\af35\loch\f0 
sured to its full value.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1328197 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 159}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10751175\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 I then move to the summary of cover. This was tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10751175\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D Ex \hich\f0 \endash \loch\f0  12}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10751175\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . In that }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 document there}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10751175\charrsid10238123 \hich\af0\dbch\af35\loch\f0  is an endorsement under the headings }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10751175\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 claims procedure}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10751175\charrsid10238123 \hich\af0\dbch\af35\loch\f0  and }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10751175\charrsid10238123 \hich\af0\dbch\af35\loch\f0 note}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10751175\charrsid10238123 .}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9259091\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The endorsement is to the following effect:}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10751175 
\par }\pard \ltrpar\ql \li567\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid10238123 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Claims Procedure}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 In}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9259091\charrsid10238123 \hich\af0\dbch\af35\loch\f0  the event of a claim, }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
you are required to attend the nearest branch of Queensland Insurance with a copy of this form within 7 days of the accident. You may contact Mrs. Sunita Reddy on telephone 315455 for queries. No repairs should be undertaken withou
\hich\af0\dbch\af35\loch\f0 t the insurer}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s consent. Non }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7825085\charrsid10238123 -}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 compliance could affect your right to claim under the policy. In the event of any difficulty you may contact our Brokers; Marsh limited on telephone 312799, Yunus Khan or Fiona Kullar.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9259091 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Note:}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The above is a brief summary of y\hich\af0\dbch\af35\loch\f0 
our policy. Please refer to the master policy document held by Colonial National Bank for full details, terms, conditions and exclusions of policy coverag}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 e}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10238123 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 160}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4670456\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s witness yet again said that the words }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 you}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751\charrsid10238123 \hich\af0\dbch\af35\loch\f0  and }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 your}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4670456\charrsid10238123 \hich\af0\dbch\af35\loch\f0  means the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank. This interp\hich\af0\dbch\af35\loch\f0 reta}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4670456\charrsid10238123 \hich\af0\dbch\af35\loch\f0 tion is absurd.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4670456\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Why would the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank tell itself to contact its brokers and why would it refer to itself as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 you}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . I find that the term }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 you}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751\charrsid10238123 \hich\af0\dbch\af35\loch\f0  and }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 your}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
refers to the plaintiff. Following that finding I find that the endorsement clearly states that the p\hich\af0\dbch\af35\loch\f0 laintiff had }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4545487\charrsid10238123 \hich\af0\dbch\af35\loch\f0 and has }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751\charrsid10238123 \hich\af0\dbch\af35\loch\f0 a right to claim u}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4545487\charrsid10238123 \hich\af0\dbch\af35\loch\f0 nder the policy as a party to the contract or as a person with insurable interest in the property. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4327751 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 161}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4545487\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab Irrespective of whether the plaintiff accepted the offer of 12 December 2001, the summary of cover issued afte
\hich\af0\dbch\af35\loch\f0 r the policy was secured had the same endorsement under the two headings of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13003215\charrsid10238123 \hich\af0\dbch\af35\loch\f0 claims procedure}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13003215\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13003215\charrsid10238123 \hich\af0\dbch\af35\loch\f0 and }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13003215\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 note}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13003215\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . My }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4545487\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
finding from the summary of cover is that the plaintiff is assured to be the party to the contract with the rights to make a claim.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4545487 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 162}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4545487\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6556425\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 The insu\hich\af0\dbch\af35\loch\f0 rance policy in part reads:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6556425 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }\pard \ltrpar\ql \li567\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid10238123 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6556425\charrsid10238123 \hich\af0\dbch\af35\loch\f0  Other Interests}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6556425 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6556425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
Where the insured is under an obligation to insure the interest of any person or corporation having an insurable interest in any of the insured property, the company will indemnify the insured and that person\hich\af0\dbch\af35\loch\f0 
 or corporation as if a separate policy had been issued to each. However, }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6556425 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6556425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (a)\tab 
the company will not be liable to indemnify any person or corporation whose interest has not been declared to the company by the time indemnity becomes payable; and}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6556425 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6556425\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (b)\tab the co\hich\af0\dbch\af35\loch\f0 mpany}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6556425\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s liability will not be increased beyond the amount that would be payable if this clause had not been incorporated in the policy}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6556425\charrsid10238123 .}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6556425 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10238123 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 163}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6556425\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3365625\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 I may appear to be in foul of the rules of evidence in referring to the policy which was not tendered in evidence\hich\af0\dbch\af35\loch\f0 
 when it should have been because the entire case is about that document and the parties to the same. When Mr. M}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7679145\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 cDonnell}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3365625\charrsid10238123 \hich\af0\dbch\af35\loch\f0  offered not to tender}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16597939\charrsid10238123 \hich\af0\dbch\af35\loch\f0  evidence, I would have expected other parties to have made an application in Court for tendering of the policy th
\hich\af0\dbch\af35\loch\f0 rough their witness. The existence of the policy is not denied by any party. Even if I am in foul of the rules of evidence, I find that this is a material document which, in the interest of justice, must be taken into account}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10498754\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6556425 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 164}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10498754\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The endorsement in the \hich\af0\dbch\af35\loch\f0 policy under the heading }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10776621\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 other interest}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3479423\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10776621\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  clearly binds the insurer to make good the loss of the plaintiff if there is any to be made because it is indisputable that the insurance company was notified of the plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10776621\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s interest and claim in the property.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10498754 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 165}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid266179\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The preliminary report prepared by the insurer}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid266179\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s agent McLarens Young International being reports 1 to}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13003215\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid266179\charrsid10238123 \hich\af0\dbch\af35\loch\f0 4 dated 5 November 2003, 11 December 2003, 30 January 2004, }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3479423\charrsid10238123 \hich\af0\dbch\af35\loch\f0 and }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid266179\charrsid10238123 \hich\af0\dbch\af35\loch\f0 23 February 2004 were tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid266179\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P Ex}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3479423\charrsid10238123 -}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid266179\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  8 to 11,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid266179\charrsid10238123 \hich\af0\dbch\af35\loch\f0  a}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3479423\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ll notes the insured to be the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid266179\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank and the plaintiff. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid266179 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 166}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid266179\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 
It can be argued that the report is not the contract but it is adequate to make a finding that the insurer recognized that the plaintiff had an insurable interest, a right to make a claim and that his interest was affected by \hich\af0\dbch\af35\loch\f0 
the outbreak of fire.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid266179 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 167}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid266179\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid266179\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s exhibit }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid266179\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P Ex-12}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid266179\charrsid10238123 \hich\af0\dbch\af35\loch\f0  is an email by the insured}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid266179\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s agent of 2}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3479423\charrsid10238123 \hich\af0\dbch\af35\loch\f0  April 2004. In that email the B}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid266179\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank under the head }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid266179\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 subject}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid266179\charrsid10238123 \hich\af0\dbch\af35\loch\f0  endorsed }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid266179\charrsid10238123 \hich\af0\dbch\af35\loch\f0 House owners claim- Mohammed Alam Khan}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid266179\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid266179\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  This also indicates that the insured was noti\hich\af0\dbch\af35\loch\f0 fied of the plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid266179\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s claim and interest in the property}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16731704\charrsid10238123 .}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid266179\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11889284\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16731704\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16731704\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6369922\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Reliance on the Provisions of M}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16731704\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ortgage to }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6369922\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Avoid L}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16731704\charrsid10238123 \hich\af0\dbch\af35\loch\f0 iability}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16731704 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }\pard \ltrpar\ql \fi-720\li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10238123 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 168}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7825085\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16731704\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank has relied on clause 4 of the mortgage to assert the following:}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16731704 
\par }\pard \ltrpar\ql \li567\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16731704\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (a) }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16731704\charrsid10238123 \tab }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16731704\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3479423\charrsid10238123 \hich\af0\dbch\af35\loch\f0 plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16731704\charrsid10238123 \hich\af0\dbch\af35\loch\f0  breached the contract by allo\hich\af0\dbch\af35\loch\f0 wing the property to be left uninsured for a period of time.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16731704 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16731704\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
I have made a finding that the property was not left uninsured for any period of time. Even if I hold that the plain}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3479423\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 tiff did not act or accept the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16731704\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16731704\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s offer to secure insurance, the property \hich\af0\dbch\af35\loch\f0 remained insured throughout.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16731704 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16731704\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (b)}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16731704\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16731704\charrsid10238123 \tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6230953\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16731704\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank could settle without the mortgagors consent and if it does, no claim can lie against it. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16731704 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16731704\charrsid10238123 \hich\af0\dbch\af35\loch\f0 I find two difficulties with this}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3479423\charrsid10238123 \hich\af0\dbch\af35\loch\f0  argument. It appears that the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16731704\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank assumed that by being given the permission to settl\hich\af0\dbch\af35\loch\f0 
e a claim, it can go past the principles of good faith in bargaining under the cover if an accident occurred and that if it makes a settlement negligently or in bad faith, no action can lie against it. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2044636\charrsid10238123 \hich\af0\dbch\af35\loch\f0 If that provision does mean to exclude the duty of goo\hich\af0\dbch\af35\loch\f0 
d faith, it is an unconscionable provision in the mortgage and ought to be struck out because n}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6230953\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
o court of equity can lend the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2044636\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank such an inequitable interpretation.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid16731704 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 169}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2044636\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10314739\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 In my reading of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3479423\charrsid10238123 \hich\af0\dbch\af35\loch\f0 clause 4.3 (b) I find that the B}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10314739\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank is permitted to settle a claim\hich\af0\dbch\af35\loch\f0 
 but in good faith without compromising the rights of th}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6230953\charrsid10238123 \hich\af0\dbch\af35\loch\f0 e B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10314739\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank and the owner of the property. In fact}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3479423\charrsid10238123 \hich\af0\dbch\af35\loch\f0  the plaintiff did allow the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10314739\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank to conduct the negotiation. He only refused to accept the ou}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3479423\charrsid10238123 \hich\af0\dbch\af35\loch\f0 tcome because he felt that the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10314739\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank had compromised its own a\hich\af0\dbch\af35\loch\f0 nd his position.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid266179 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 170}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10314739\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 Then comes the clause which binds the plaintiff not to have access to the courts if the bank settles a claim-}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10314739\charrsid10238123 \hich\af0\dbch\af35\loch\f0 the ouster clause}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10314739\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . One cannot contractually bind the other not to have access to the courts. Such a clause is unconscionable 
\hich\af0\dbch\af35\loch\f0 unless the legislature specifically limits such rights of citizens from having access to courts.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10314739 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 171}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10314739\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 
It is a common law right of a party to have unimpeded access to justice. Only the legislature has powers to curtail such rights. It cannot be done so by a\hich\af0\dbch\af35\loch\f0  contract.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10314739 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 172}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10314739\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 
Earlier decisions, one of the Privy Council, hold that the parties to the contract of insurance cannot waive interest and ask the court to respect their agreement:}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10314739\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 Anctil v. Manufacturers}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10314739\charrsid10238123 \hich\af0\dbch\af35\loch\f0  Life Ins }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13003215\charrsid10238123 \hich\af0\dbch\af35\loch\f0 C}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10314739\charrsid10238123 \hich\af0\dbch\af35\loch\f0 o [1899] AC 604 at 609}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14364201\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10314739 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 173}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14364201\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab Clause 4 of\hich\af0\dbch\af35\loch\f0 
 the mortgage document, if it means to grant the bank an absolute right to settle a claim without consultation and be an ouster clause then that clause }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13003215\charrsid10238123 \hich\af0\dbch\af35\loch\f0 is }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14364201\charrsid10238123 \hich\af0\dbch\af35\loch\f0 in itself contrary to the summary of the cover which grants the plaintiff the right to claim. Since t\hich\af0\dbch\af35\loch\f0 
he plaintiff is exercising its rights under the contract of insurance, that becomes the prevailing document to ascertain whether he is the insured with any rights of claim under the policy. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14364201 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 174}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14364201\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 Preponderance of evidence concludes that the plaintiff is a \hich\af0\dbch\af35\loch\f0 
party to the insurance contract and has a right to make a claim under the contract.
\par }\pard \ltrpar\ql \fi-720\li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10238123 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11889284\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12986532\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11889284\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank as the T}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12986532\charrsid10238123 \hich\af0\dbch\af35\loch\f0 rustee}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12986532 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 175}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12986532\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11889284\charrsid10238123 \tab 
\hich\af0\dbch\af35\loch\f0 For the mortgagee, it is }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11889284 
\par }\pard \ltrpar\ql \li567\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11889284\charrsid10238123 \hich\af0\dbch\af35\loch\f0  clear that a mortgage of goods by }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10565781\charrsid10238123 \hich\af0\dbch\af35\loch\f0 assignment}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11889284\charrsid10238123 \hich\af0\dbch\af35\loch\f0  would be entitled to insure the whole of the goods in his own name, \hich\af0\dbch\af35\loch\f0 
and to their full value, and, in case of loss, would be entitled to recover in his own name the full }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10565781\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 amount}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11889284\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 of the insurance, and would be a trustee for the mortgagor as to any surplus beyond the amount of his }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10565781\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 own}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11889284\charrsid10238123 \hich\af0\dbch\af35\loch\f0  debt}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11889284 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10565781\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Ebsworth v. Alliance Marine }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1129011\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Insuran\hich\af0\dbch\af35\loch\f0 ce}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10565781\charrsid10238123 \hich\af0\dbch\af35\loch\f0  Co (1873) LR 8 CP}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8455512\charrsid10238123 \hich\af0\dbch\af35\loch\f0  596, 608 per Bovill CJ.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10565781\charrsid10238123 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10565781\charrsid10238123 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 176}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11889284\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10565781\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
The same is true of the mortgagee of land, but his interest does not extend to revenue from the use or renting of the land, unless he is entitled to such revenue. Prima facie the mortgagee insurers to the\hich\af0\dbch\af35\loch\f0 
 extent of his debt, but if allowed by the policy, he may insure the full value of the property}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10565781\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10565781 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10565781\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Clarke, M. A: }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10565781\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 The Law of Insurance Contracts}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10565781\charrsid10238123 \hich\af0\dbch\af35\loch\f0 , (Supra), Pg. 120, Para. 4-5G1.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10565781\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 177}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10565781\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12986532\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 The value of the property in 1999 as per the valuation report was $240,00\hich\af0\dbch\af35\loch\f0 0. Mr. Kevin Yuen gave evidence that he has not seen the valuation before. For the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8455512\charrsid10238123 \hich\af0\dbch\af35\loch\f0 B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12986532\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 ank to secure a cover exactly in the sum stated to be the value of the property could not be a coincidence. I therefore }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8455512\charrsid10238123 \hich\af0\dbch\af35\loch\f0 believe the plaintiff that the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12986532\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank asked him for a \hich\af0\dbch\af35\loch\f0 valuation report a}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8455512\charrsid10238123 \hich\af0\dbch\af35\loch\f0 nd he provided the same to the Bank and the Ba}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12986532\charrsid10238123 \hich\af0\dbch\af35\loch\f0 nk not only secured }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8455512\charrsid10238123 \hich\af0\dbch\af35\loch\f0 insurance}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12986532\charrsid10238123 \hich\af0\dbch\af35\loch\f0  for its debt but for the full value of the property. The }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8455512\charrsid10238123 \hich\af0\dbch\af35\loch\f0 B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12986532\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 ank therefore not only acted as a beneficiary but as a trustee for the owner of the property.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15604424\charrsid10238123 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8027562\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11889284\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The D}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14364201\charrsid10238123 \hich\af0\dbch\af35\loch\f0 uty \hich\af0\dbch\af35\loch\f0 of }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11889284\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Good F}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14364201\charrsid10238123 \hich\af0\dbch\af35\loch\f0 aith}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15604424 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 178}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14364201\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2823086\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 In England, it is }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2823086\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
an essential condition of the policy of insurance that the underwriters shall be treated with good faith, not merely in reference to the inception of the risk, but in the steps taken to carry out the contract}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8455512\charrsid10238123 .}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8455512 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2823086\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Boul}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8455512\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ton\hich\af0\dbch\af35\loch\f0  v Houlder Bros & Co. [1904] }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2823086\charrsid10238123 \hich\af0\dbch\af35\loch\f0 1 KB 784}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8455512\charrsid10238123 \hich\af0\dbch\af35\loch\f0 , 791-792}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2823086\charrsid10238123 \hich\af0\dbch\af35\loch\f0 per Mathew LJ (CA- hull).}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2823086 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 179}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2823086\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab I have}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3439216\charrsid10238123 \hich\af0\dbch\af35\loch\f0  no }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2823086\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
hesitation in finding that in Fiji, at the least, there must be an implied covenant of good faith and fair dealing in every contract that neither party will do anythin\hich\af0\dbch\af35\loch\f0 
g which will injure the right of the other to receive the benefits of the agreement. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2823086 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 180}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2823086\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 
There is a positive rule of the contract law that conduct of either party which can be said to amount to bringing about the impossibility of performance is itself a \hich\af0\dbch\af35\loch\f0 breach.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2823086 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 181}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2823086\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 
The Bank insured the property for the full value and thus as I found above is a trustee for the owner of the property for the surplus amount. As the trustee and the mortgagee of the property }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14627308\charrsid10238123 \hich\af0\dbch\af35\loch\f0 bestowed with the rights to make a claim under the p\hich\af0\dbch\af35\loch\f0 olicy, the Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3046796\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2823086\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 had a duty }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14627308\charrsid10238123 \hich\af0\dbch\af35\loch\f0 of good faith }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2823086\charrsid10238123 \hich\af0\dbch\af35\loch\f0 to enter into a }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14627308\charrsid10238123 \hich\af0\dbch\af35\loch\f0 proper }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2823086\charrsid10238123 \hich\af0\dbch\af35\loch\f0 compromise}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14627308\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14627308 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 182}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14627308\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 
It is not necessary that the mortgagee waits for the mortgagors consent to settle the claim. It can do one of the following without the mortgagors consent:}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14627308 
\par }\pard \ltrpar\ql \li567\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14627308\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (a).\tab accept the cla\hich\af0\dbch\af35\loch\f0 
im equivalent to its debt with an unequivocal indication to the insurer that it does not represent the interest of the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14627308\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
mortgagor who will have the right to conduct a negotiation separately; or}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14627308 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14627308\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (b).\tab accept the claim partially, as it deems just and fair and 
\hich\af0\dbch\af35\loch\f0 
allow the mortgagor to make a separate claim under the cover to obtain what the mortgagor considers just and fair value of the loss. Until such time, the unpaid debt remains but the rights of the mortgagee to exercise its powers under the sale suspended u
\hich\af0\dbch\af35\loch\f0 n\hich\af0\dbch\af35\loch\f0 til the mortgagors claim is finalized. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14627308 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 183}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14627308\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 
The Insurance Company had a duty of good faith too in carrying out the contract of insurance. Since the owner of the property was also a party to the contract, it ought to have consulted the owner in settling an\hich\af0\dbch\af35\loch\f0 
y claims and not bind the owner with a compromise entered into by the mortgagee without the consent of the owner of the property.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8027562\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14627308 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 184}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14627308\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8027562\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 The }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3439216\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8027562\charrsid10238123 \hich\af0\dbch\af35\loch\f0  started off on the correct track. It started consulting the plaintiff but when he refused, it stopped the consu
\hich\af0\dbch\af35\loch\f0 ltation process and settled the claim w}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14627308\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ithout informing the plaintiff.
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8027562 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 185}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8027562\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab The insurer does recognize that tw}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3439216\charrsid10238123 \hich\af0\dbch\af35\loch\f0 o separate claims can be made, one by the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8027562\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank and the other by the owner of the property.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3439216\charrsid10238123 \hich\af0\dbch\af35\loch\f0  It thus should have sought the consent of the owner in\hich\af0\dbch\af35\loch\f0 
 settling the claim and not using the settlement as a bar to any further claims by the owner of the property.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8027562 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 186}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12063039\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 In this case, the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8027562\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank acted on behalf of the owne}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6230953\charrsid10238123 \hich\af0\dbch\af35\loch\f0 r and gave an indemnity to the Insurance C}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8027562\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ompany. Having known that the owner does not wish\hich\af0\dbch\af35\loch\f0  to acc}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12063039\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ept the sum of $79,000, it was improper for the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8027562\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank to have accepted the money on behalf of the plaintiff. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12911251 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 187}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12911251\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12063039\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 Even if the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8027562\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank has given a discharge and the insurer had obtained one, that does not abdicate the plaintiff from s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12063039\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 uing the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8027562\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank for f\hich\af0\dbch\af35\loch\f0 
ailing to obtain a proper value under the policy to cover the debt and the insurer for failing to give a true value for the loss.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14764430\charrsid10238123 
\par \hich\af0\dbch\af35\loch\f0 Was }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12911251\charrsid10238123 \hich\af0\dbch\af35\loch\f0 the Compromise Proper in Value.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14764430 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 188}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12320882\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14764430\charrsid10238123 \tab 
\hich\af0\dbch\af35\loch\f0 The fire occurred on 26 October 2003. At that time, the debt, according to the trans\hich\af0\dbch\af35\loch\f0 action history was $180,580.09 }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9597493\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (as}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14764430\charrsid10238123 \hich\af0\dbch\af35\loch\f0  at 30 October 2003).}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14764430\charrsid10238123 \hich\af0\dbch\af35\loch\f0  On 4 December 2003 Mclarens Young International wrote to the plaintiff that they were appointed by the }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9597493\charrsid10238123 \hich\af0\dbch\af35\loch\f0 plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9597493\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14764430\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 insurers to report on the loss by fire. The plaintiff was asked to provide two quotat\hich\af0\dbch\af35\loch\f0 ions from the local builders. He did. Those quotations were tendered as }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14764430\charrsid10238123 \hich\af0\dbch\af35\loch\f0 PEx-5 and 6}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14764430\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . The first quotation was from Swamy}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14764430\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s Construction with t}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12063039\charrsid10238123 \hich\af0\dbch\af35\loch\f0 he quotation given for repair t}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14764430\charrsid10238123 \hich\af0\dbch\af35\loch\f0 o be $153,000 and the second quotation was by Prem}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14764430\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s Construction with the quotation\hich\af0\dbch\af35\loch\f0  given in the sum of $}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9597493\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14764430\charrsid10238123 \hich\af0\dbch\af35\loch\f0 49,000.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8027562 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 189}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14764430\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 On 23 February 2004 the insurers agent McLarens Young International prepared a final report being }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14764430\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6230953\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14764430\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Ex- 11}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14764430\charrsid10238123 \hich\af0\dbch\af35\loch\f0  to the insurers. In material parts, the report reads:}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14764430 
\par }\pard \ltrpar\ql \li567\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14764430\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Claim and Adjustment}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14764430 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14764430\charrsid10238123 \hich\af0\dbch\af35\loch\f0 After discussions with }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1135103\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Shivas Singh\hich\af0\dbch\af35\loch\f0  and comparing the quotes to the replacement cost of the building, we }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9597493\charrsid10238123 \hich\af0\dbch\af35\loch\f0 consider}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1135103\charrsid10238123 \hich\af0\dbch\af35\loch\f0  that the adjustment should be based on the best price to repair i.e, Prem}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1135103\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s Construction Works quotation of $149,000.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14764430 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1135103\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The building is approximately 8 years old in the normal ca\hich\af0\dbch\af35\loch\f0 
use of events for a total loss we would apply a rate of somewhere around 1.25% per annum for depreciation.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1135103 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1135103\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
As the building is not a total loss, there is no significant depreciation factor except for some practical adjustment in terms of wear and tear on t\hich\af0\dbch\af35\loch\f0 
he paintwork and general interior. Deterioration of the galvanized iron roofing.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1135103 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1135103\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
On that basis we believe that a reasonable offer of settlement for an indemnity value policy would be the sum of $145,000.00.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1135103 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1135103\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Obviously if there is bank interest, the first \hich\af0\dbch\af35\loch\f0 
call on the proceeds claim will be by the bank and we then disperse any claim payment to the insured to allow rebuilding/repairs to go ahead.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1135103 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1135103\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Recommendations:}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1135103 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1135103\charrsid10238123 \hich\af0\dbch\af35\loch\f0 We are therefore recommending an offer of settlement be put forward in the amount of $145,000.0
\hich\af0\dbch\af35\loch\f0 0 as above on settlement conditions:-}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1135103 
\par }\pard \ltrpar\ql \li1134\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin1134\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 

\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \lang2057\langfe1028\loch\af3\hich\af3\dbch\af35\langnp2057\langfenp1028\insrsid1135103\charrsid10238123 \loch\af3\dbch\af35\hich\f3 \'b7\tab}}\pard \ltrpar
\ql \li1134\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls5\adjustright\rin0\lin1134\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1135103\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 The banks acceptance and approval.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \lang2057\langfe1028\loch\af3\hich\af3\dbch\af35\langnp2057\langfenp1028\insrsid1135103\charrsid10238123 \loch\af3\dbch\af35\hich\f3 \'b7\tab}\hich\af0\dbch\af35\loch\f0 
Conditional on a signed discharge by third party}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1135103\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1135103 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 190}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14764430\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1135103\charrsid10238123 \tab }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14433510\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Three distinct}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1135103\charrsid10238123 \hich\af0\dbch\af35\loch\f0  matters appear clearly from the report by the Insurers agent. One that they accepted the quotation provided by t
\hich\af0\dbch\af35\loch\f0 he plaintiff in the sum of $149,000 less depreciation value resulting to loss in the sum of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14433510\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 $145,000, that the plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14433510\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12063039\charrsid10238123 \hich\af0\dbch\af35\loch\f0 consent was}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14433510\charrsid10238123 \hich\af0\dbch\af35\loch\f0  needed to settle the claim in that amount, and that the plaintiff had rights over the balance proceeds if any is left aft
\hich\af0\dbch\af35\loch\f0 er payment of the debt.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14764430 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 191}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6230953\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 Even the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11747329\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank wrote to the agents on 4 May 2004 and stated that it was not willing to accept the sum of $79,000 but will consider the sum of $149,000 or the assessed sum of damaged (replacement/repair cost): }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11747329\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6230953\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11747329\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Ex-12}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11747329\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11747329 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 192}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11747329\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab Both}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12063039\charrsid10238123 \hich\af0\dbch\af35\loch\f0  the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11747329\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank and the insurer knew that the loss was in the vicinity if $149,000 to $153,000.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12063039\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 If the mortgagee wanted to settle at the sum of $79,000, it should not have given a discharge to the insurer completely and allowed the mortgagor to make a separate c\hich\af0\dbch\af35\loch\f0 
laim and wait until the claim was finalized. However the mortgagee}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12063039\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
s action in not allowing the mortgagor to make a separate claim and proceeding to sell the property by way of mortgagee sale was exercise of powers in bad faith.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12063039 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 193}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12063039\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 If the mortgagee was \hich\af0\dbch\af35\loch\f0 
to represent the interest of the mortgagor as well in the compromise like what it did then it was }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11747329\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
incumbent on the mortgagee to obtain}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3567931\charrsid10238123 \hich\af0\dbch\af35\loch\f0  the best amount on the loss which would be $149,000}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12063039\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11747329\charrsid10238123 \hich\af0\dbch\af35\loch\f0  By having ac}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12063039\charrsid10238123 \hich\af0\dbch\af35\loch\f0 cepted the sum of $79,000, the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11747329\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank not only compromised\hich\af0\dbch\af35\loch\f0  its position but the position of the mortgagor as well.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11747329 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 194}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10228064\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3567931\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 I also find that }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10228064\charrsid10238123 \hich\af0\dbch\af35\loch\f0 having given the amount of $79,000 and obta}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3567931\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ined a discharge from only the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10228064\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank, the insurer is not liable to be abdicated from the plaintiff. He is also a party to the contract 
\hich\af0\dbch\af35\loch\f0 and he did}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3567931\charrsid10238123 \hich\af0\dbch\af35\loch\f0  not give the indemnity to the B}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10228064\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3567931\charrsid10238123 \hich\af0\dbch\af35\loch\f0  or the Insurance Company. Only the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10228064\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank did}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3567931\charrsid10238123 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10228064\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 so it cannot obtain any more money from the insurers. If the Insurance Company had given the true value of the loss, it would have }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8348040\charrsid10238123 \hich\af0\dbch\af35\loch\f0 discharged}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10228064\charrsid10238123 \hich\af0\dbch\af35\loch\f0  its obligation under th\hich\af0\dbch\af35\loch\f0 e policy.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10228064 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 195}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10228064\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab The other issue that arises is the argument}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3567931\charrsid10238123 \hich\af0\dbch\af35\loch\f0  by the plaintiff is}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10228064\charrsid10238123 \hich\af0\dbch\af35\loch\f0  that the insurance company should have paid the entire sum }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6230953\charrsid10238123 \hich\af0\dbch\af35\loch\f0 of $240,000}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10228064\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . The summary of cover states that the basis of settlement }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3567931\charrsid10238123 \hich\af0\dbch\af35\loch\f0 would be}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10228064\charrsid10238123 \hich\af0\dbch\af35\loch\f0  as follows:}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10228064 

\par }\pard \ltrpar\ql \li567\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 

\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \lang2057\langfe1028\loch\af3\hich\af3\dbch\af35\langnp2057\langfenp1028\insrsid8348040\charrsid10238123 \loch\af3\dbch\af35\hich\f3 \'b7\tab}}\pard \ltrpar
\ql \li567\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls7\adjustright\rin0\lin567\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8348040\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 Replacement reinstatement \hich\af0\dbch\af35\loch\f0 for buildings}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10228064\charrsid10238123 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \lang2057\langfe1028\loch\af3\hich\af3\dbch\af35\langnp2057\langfenp1028\insrsid8348040\charrsid10238123 \loch\af3\dbch\af35\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8348040\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Indemnity conditions for contents }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8348040 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 196}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10228064\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8348040\charrsid10238123 \tab \hich\af0\dbch\af35\loch\f0 The indemnity}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3567931\charrsid10238123 \hich\af0\dbch\af35\loch\f0  condition for contents as the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8348040\charrsid10238123 \hich\af0\dbch\af35\loch\f0 anks witness sa}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9597493\charrsid10238123 \hich\af0\dbch\af35\loch\f0 i}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8348040\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 d meant no claim can be made. As per the summary }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5703555\charrsid10238123 \hich\af0\dbch\af35\loch\f0 o}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8348040\charrsid10238123 \hich\af0\dbch\af35\loch\f0 f cove}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14959727\charrsid10238123 \hich\af0\dbch\af35\loch\f0 r, the contents of the house were}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8348040\charrsid10238123 \hich\af0\dbch\af35\loch\f0  not insured. If the contents were covered, it woul\hich\af0\dbch\af35\loch\f0 d have said under the heading}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8348040\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8348040\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 you are covered for}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6230953\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5703555\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  The plaintiff says that he ticked an option but that document was in the letter head. I find the option that the plaintiff ticked was }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3567931\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D Ex}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5703555\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3567931\charrsid10238123 \hich\af0\dbch\af35\loch\f0 - 11}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5703555\charrsid10238123 \hich\af0\dbch\af35\loch\f0  which contained }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3567931\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D Ex - 12}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5703555\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3567931\charrsid10238123 \hich\af0\dbch\af35\loch\f0 D EX - 12}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5703555\charrsid10238123 \hich\af0\dbch\af35\loch\f0  is the summary of cove\hich\af0\dbch\af35\loch\f0 
r which indicates what the plaintiff was covered for and since the summary of cover states indemnity conditions for contents, the plaintiff ought to have known that he was not covered for the contents. He said that he was assured and re}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3567931\charrsid10238123 \hich\af0\dbch\af35\loch\f0 presentations were m\hich\af0\dbch\af35\loch\f0 ade by the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5703555\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank that the contents are covered. If these representations were made, the plaintiff, upon receiving the summary of cover would have known that the contents are not covered for. If he did not understand the summa}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9308613\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ry of cover, he could have sough\hich\af0\dbch\af35\loch\f0 
t an explanation and if he was not happy that the contents were not covered, he should have negotiated a s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237 \hich\af0\dbch\af35\loch\f0 
eparate cover for the contents.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9597493 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 197}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9597493\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9308613\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 Another reason why I say that the plaintiff ought to have known that the contents were not covered for was the m\hich\af0\dbch\af35\loch\f0 
onetary ceiling of the cover in the sum of $240,000. That infact was the valuation of the building only and if the cover ce}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3567931\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 iling was $240,000, it indicates}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9308613\charrsid10238123 \hich\af0\dbch\af35\loch\f0  that the policy only covered}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9597493\charrsid10238123 \hich\af0\dbch\af35\loch\f0  the building and not the contents.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10228064 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 198}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9308613\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 Since the contract for the buil\hich\af0\dbch\af35\loch\f0 
ding was replacement/reinstatement of the building, the proper amount that ought to have been disbursed was $149,000 and not $240,000 as claimed by the plaintiff because the plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9308613\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 s contractors had agreed to replace the building in that amount. This is\hich\af0\dbch\af35\loch\f0  only if the monies were to be paid at the time of the incident.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9597493\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9308613\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Material Non-Disclosure}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9308613 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 199}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9308613\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 
The insurer settled the claim at $79,000 and one of the reasons was that the property was partly commercial in nature which the insurance company says was not di\hich\af0\dbch\af35\loch\f0 
sclosed to it. The insurance company argues that it had insured the residential property and since the plaintiff was using the property for business, the insurance company was not obligated to pay the monies under policy as there was material no-disclosur
\hich\af0\dbch\af35\loch\f0 e.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9308613 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 200}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9308613\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 
To rescind the contract of insurance or raise the defence of non-disclosure, the onus is on the insurer to prove non-disclosure of material fact which is known to the propose}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9597493\charrsid10238123 \hich\af0\dbch\af35\loch\f0 r}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9308613\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  which would influence the judgment of a prudent insurer and which, if dis\hich\af0\dbch\af35\loch\f0 closed, would have induced the actual insurer not to make the contract or to make it }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5844766\charrsid10238123 \hich\af0\dbch\af35\loch\f0 on different terms. Nonetheless, the plea of non-disclosure will fail in the following cases:}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9308613 
\par }\pard \ltrpar\ql \li567\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5844766\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (a).\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5844766\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 the information was not disclosed because its disclosure was waived by \hich\af0\dbch\af35\loch\f0 the insurer;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5844766 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5844766\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (b).\tab 
the information was not disclosed because it was a matter which the insurer could be presumed to know already;}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5844766 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5844766\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (c). \tab 
the information was not disclosed because it was a matter in which the insurer was insufficiently interested because it d\hich\af0\dbch\af35\loch\f0 iminished the risk;}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5844766 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5844766\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (d).\tab 
the information was disclosed, but the insurer made an error of judgment, perhaps not appreciating the significance of the information, and ignored it: he was not a prudent insurer;}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5844766 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5844766\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (e).\tab the information was disclosed and was of a t\hich\af0\dbch\af35\loch\f0 
ype that would put the prudent insurer on inquiry to make further investigations; but the particular insurer made no enquiry}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5844766\charrsid10238123 .
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11095737\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5844766\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Clarke, M. A}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11095737\charrsid10238123 \hich\af0\dbch\af35\loch\f0 :}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0  "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5844766\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The Law of Insurance Contract}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11095737\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11095737\charrsid10238123 \hich\af0\dbch\af35\loch\f0 , }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2710172\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (Supra) }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11095737\charrsid10238123 \hich\af0\dbch\af35\loch\f0 page 587, Para 23-1C}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5844766 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 201}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5844766\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1909700\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15880759\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank negotiated the cov}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1909700\charrsid10238123 \hich\af0\dbch\af35\loch\f0 er. There is eviden\hich\af0\dbch\af35\loch\f0 ce from the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15880759\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15880759\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
s witness that the bank and the insurance agents had visited the property. In that case the }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1909700\charrsid10238123 \hich\af0\dbch\af35\loch\f0 B}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15880759\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank and the insurer would have both seen that the business was in operation from the same premises.}
{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5844766 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 202}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1909700\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 Further, the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15880759\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank would }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4469203\charrsid10238123 \hich\af0\dbch\af35\loch\f0 have }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15880759\charrsid10238123 \hich\af0\dbch\af35\loch\f0 definitely w\hich\af0\dbch\af35\loch\f0 ant}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9597493\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ed}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15880759\charrsid10238123 \hich\af0\dbch\af35\loch\f0  the valuation of the house to negotiate a proper cover. It would have also had a copy of the lease too. The insurer}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15880759\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s agents would also have needed a valuation. I believe the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4355250\charrsid10238123 \hich\af0\dbch\af35\loch\f0 plaintiff that he provided the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15880759\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank with a copy of the valuation being }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15880759\charrsid10238123 \hich\af0\dbch\af35\loch\f0 P}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4469203\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15880759\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Ex\hich\af0\dbch\af35\loch\f0 -3.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15880759\charrsid10238123 \hich\af0\dbch\af35\loch\f0  In the}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4355250\charrsid10238123 \hich\af0\dbch\af35\loch\f0  least I find that any prudent b}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15880759\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
anker and insurer would have asked for a valuation and if they did not, they did not do so at their own peril. Upon receiving the valuation, a prudent banker and insurer would have discovered that the property was \hich\af0\dbch\af35\loch\f0 
commercial. It was in operation as a partly commercial and a partly residential premise.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15880759 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 203}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15880759\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 By providing a cover for exactly the same amount as stated in the valuatio}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4355250\charrsid10238123 \hich\af0\dbch\af35\loch\f0 n also indicates that the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15880759\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank and the insurer had the valuation. How else would they ob\hich\af0\dbch\af35\loch\f0 tain and provide a cover for exactly }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4469203\charrsid10238123 \hich\af0\dbch\af35\loch\f0 the same amount of}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15880759\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 the valuation. It cannot be such a coincidence. From the valuation, I thus find that the information that the property had commercial activ}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4355250\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ity on it was disclosed to the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15880759\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank and the insurer who ignor\hich\af0\dbch\af35\loch\f0 
ed the information. In any event after visiting the premises, any prudent banker and insurer would have noted the nature of the activity on the premises and utilized the information in the manner they wished.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15880759 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 204}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8143104\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4355250\charrsid10238123 \tab 
\hich\af0\dbch\af35\loch\f0 There is no evidence from the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8143104\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank and the\hich\af0\dbch\af35\loch\f0 
 insurance company that the insurance company would not have insured the property if it knew that the property}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4355250\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  was commercial in nature. The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8143104\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank and the insurance company also did not say in their evidence that it would have otherwise contracted on differ\hich\af0\dbch\af35\loch\f0 
ent terms. These matters should be sufficiently established for the defence of material non-disclosure to survive.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8143104\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The defence in my }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4355250\charrsid10238123 \hich\af0\dbch\af35\loch\f0 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8143104\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 inding has not been established on the facts and the law.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15880759 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 205}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4355250\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8143104\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank at all times ought to have known that there was a \hich\af0\dbch\af35\loch\f0 
business on the premise. If it was to arrange a cover, it }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9597493\charrsid10238123 \hich\af0\dbch\af35\loch\f0 should have found an insurer which}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8143104\charrsid10238123 \hich\af0\dbch\af35\loch\f0  could adequately provide a cover. Neither the bank nor the insurer can blame the plaintiff now.}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8143104 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 206}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4355250\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6319117\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4355250\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s bundle of documents had one}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6319117\charrsid10238123 \hich\af0\dbch\af35\loch\f0  Tab 23. One of the nota\hich\af0\dbch\af35\loch\f0 tion }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4355250\charrsid10238123 \hich\af0\dbch\af35\loch\f0 at clause 7 }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6319117\charrsid10238123 \hich\af0\dbch\af35\loch\f0 is that }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237 
\par }\pard \ltrpar\ql \li567\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6319117\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
CNB arranged insurance cover only provides insurance for houses solely used for residential purposes. If your house is being used for any other purpose other than residential, in the event of a claim, your claim may be denied}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 "}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6319117\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6319117 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 20\hich\af0\dbch\af35\loch\f0 7}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6319117\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4355250\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 Firstly, the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9263091\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank knew that the property was commercial. The insurer also knew this or ought to have known this. They however secured and provided a cover for the full value of the property and charged the premium to the plaintiff. There is }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4355250\charrsid10238123 \hich\af0\dbch\af35\loch\f0 lack of prud\hich\af0\dbch\af35\loch\f0 ency with both the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9263091\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank and the insurer and}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9597493\charrsid10238123 \hich\af0\dbch\af35\loch\f0  so they cannot independently or}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9263091\charrsid10238123 \hich\af0\dbch\af35\loch\f0  collectively rely on material non-disclosure to avoid liability.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9597493\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3439845\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1530150\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The Right of Redemption}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8398049\charrsid10238123 \hich\af0\dbch\af35\loch\f0 , The CCA and the Mortgagee Sale}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1530150 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 208}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid1530150\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2965361\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 Under the CCA, the plaintiff has only maintained a cl\hich\af0\dbch\af35\loch\f0 aim under s. 80 of the CCA. He has abandone}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9597493\charrsid10238123 \hich\af0\dbch\af35\loch\f0 d all other claims under ss. 75, }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2965361\charrsid10238123 \hich\af0\dbch\af35\loch\f0 76}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9597493\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 , }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2965361\charrsid10238123 \hich\af0\dbch\af35\loch\f0 81 and 83.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7480854\charrsid10238123 \hich\af0\dbch\af35\loch\f0  This was abandoned by the plaintiff filing further and better particulars on 27 February 2012 }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7480854\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (See paragraphs C (i), (ii), (iv), and (v).)}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15604424 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 209}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8398049\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12279256\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 I do not find that s.\hich\af0\dbch\af35\loch\f0  80 of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4355250\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
the CCA was breached in any way. I accept the evidence of the Bank }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4469203\charrsid10238123 \hich\af0\dbch\af35\loch\f0 that in 2002, the Bank did give}
{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4355250\charrsid10238123 \hich\af0\dbch\af35\loch\f0  notices under s. 80 of the CCA but the notice was not remedied. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4355250 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 210}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4355250\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 I however do find that if the Bank opted to settle without reference to the mort\hich\af0\dbch\af35\loch\f0 
gagor, it should have waited for the mortgagor to make a separate claim and suspended it rights of mortgagee sale until finalization of the claim or accepted a proper value of the loss. After having accepted a proper value of the loss, if the monies were 
\hich\af0\dbch\af35\loch\f0 o\hich\af0\dbch\af35\loch\f0 
utstanding and the mortgagor was not able to pay up the entire monies outstanding then it could have proceeded to conduct mortgagee sale and apply the proceeds to reduce the debt. The shortfall could have been subject to a claim from the mortgagor persona
\hich\af0\dbch\af35\loch\f0 l\hich\af0\dbch\af35\loch\f0 ly.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3277571\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13902136\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8398049\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The FTD}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8398049 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 211}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8398049\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The action of the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4469203\charrsid10238123 \hich\af0\dbch\af35\loch\f0 B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8398049\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 ank and the insurance company started off by recognizing that the plaintiff has a claim in the loss. They kept him informed and also tried to obtain his approval for the payment of $79,000 giving the indication to the p
\hich\af0\dbch\af35\loch\f0 laintiff that he will have a decision to make and}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3549097\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 that he can make a claim. The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8398049\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank and the insurance company both deceived the plaintiff in not consulting him in paying $79,000 and the}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9635613\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 n}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8398049\charrsid10238123 \hich\af0\dbch\af35\loch\f0  closing }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9635613\charrsid10238123 \hich\af0\dbch\af35\loch\f0 claim o}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12279256\charrsid10238123 \hich\af0\dbch\af35\loch\f0 n}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9635613\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  the lo}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8398049\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ss }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9635613\charrsid10238123 \hich\af0\dbch\af35\loch\f0 when as the party to the contract the plai\hich\af0\dbch\af35\loch\f0 
ntiff had the right to voice out his concerns and/or lodge a separate claim for loss. I find that the conduct of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4469203\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9635613\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank and the insurance company was misleading and deceptive in dealing with the plaintiff under the contract of insurance.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3549097\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  The conduct of t\hich\af0\dbch\af35\loch\f0 he B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12279256\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank and the insurance company was u}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4469203\charrsid10238123 \hich\af0\dbch\af35\loch\f0 nconscionable. I find that the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12279256\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank and the insurance company breached ss. 54 and 55 of the FTD. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8398049 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 212}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4859450\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 An action for contravention of s. 54 of the FTD must be within 3 years: }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4859450\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s. 126(2) of FTD.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4859450\charrsid10238123 \hich\af0\dbch\af35\loch\f0  An action for breach of \hich\af0\dbch\af35\loch\f0 s. 55 must be brought within 2 years: }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4859450\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s. 127(3) (a) of the FTD. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4859450\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3549097\charrsid10238123 \hich\af0\dbch\af35\loch\f0 cause of action began when the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4859450\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank and the insurance company settled the claim on 2}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4469203\charrsid10238123 \hich\af0\dbch\af35\loch\f0 8}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4859450\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4469203\charrsid10238123 \hich\af0\dbch\af35\loch\f0 February 2005 and closed the policy}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4859450\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . From that date the cause of action is brought within the time fra\hich\af0\dbch\af35\loch\f0 me.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4859450 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 213}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4859450\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab The plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3549097\charrsid10238123 \hich\af0\dbch\af35\loch\f0  has to prove that it suffered damages because of this conduct. I will discuss more under the head }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3549097\charrsid10238123 \hich\af0\dbch\af35\loch\f0 measure of damages}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3549097\charrsid10238123 \hich\af0\dbch\af35\loch\f0  and find whether any remedy ought to be granted under }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10368620\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s. 127(5) of the FTD.
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12279256\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9635613\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The Measure of Damages}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13902136\charrsid10238123 \hich\af0\dbch\af35\loch\f0 : }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3439845 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }\pard \ltrpar\ql \fi-720\li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10238123 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3549097\charrsid10238123 \hich\af0\dbch\af35\loch\f0 1.\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13902136\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Plaintiff\hich\af0\dbch\af35\loch\f0  v}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12347176\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s. Bank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3549097\charrsid10238123 \hich\af0\dbch\af35\loch\f0  (claim)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9635613 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3549097\charrsid10238123 \hich\af0\dbch\af35\loch\f0 2.\tab Bank vs. Plaintiff (counter-claim)}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3549097 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 214}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9635613\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7940521\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5272771\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank received the money from the insurer on 2}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4469203\charrsid10238123 \hich\af0\dbch\af35\loch\f0 8}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5272771\charrsid10238123 \hich\af0\dbch\af35\loch\f0  February 2005. The loss occurred on 26 October 2003. Between 26 October 2003 and 2}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4469203\charrsid10238123 \hich\af0\dbch\af35\loch\f0 8}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5272771\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  February 2005, the bank continued to charge bank fee and int\hich\af0\dbch\af35\loch\f0 erest on the account. The amount due on 26 October 2003 was $180,580.09}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7940521\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7940521\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (as at 30/10/2003)}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5272771\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5272771\charrsid10238123 \hich\af0\dbch\af35\loch\f0 and on 2}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4469203\charrsid10238123 \hich\af0\dbch\af35\loch\f0 8}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5272771\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  Febru}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4469203\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ary 2005 the amount due was $205}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5272771\charrsid10238123 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4469203\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
192}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5272771\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4469203\charrsid10238123 \hich\af0\dbch\af35\loch\f0 52}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7940521\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4469203\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (as at 27/02}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7940521\charrsid10238123 \hich\af0\dbch\af35\loch\f0 /2005)}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237 .}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14296143 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 215}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14296143\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7940521\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 Mr. Sen}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7940521\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s submission is that the mortgagor was liable to only $180,580.09. I do not \hich\af0\dbch\af35\loch\f0 
find that that is the correct liability of the mortgagor under the mortgage. Although the property was destroyed by fire, the mortgagee is still entitled to charge all necessary charges on the account until it is }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4469203\charrsid10238123 \hich\af0\dbch\af35\loch\f0 closed}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7940521\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7940521\charrsid10238123 \hich\af0\dbch\af35\loch\f0 I thus find that }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4469203\charrsid10238123 \hich\af0\dbch\af35\loch\f0 $205}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6705482\charrsid10238123 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4469203\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
192}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6705482\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4469203\charrsid10238123 \hich\af0\dbch\af35\loch\f0 52}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6705482\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  was th\hich\af0\dbch\af35\loch\f0 e proper sum which }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15160255\charrsid10238123 \hich\af0\dbch\af35\loch\f0 was }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8609252\charrsid10238123 \hich\af0\dbch\af35\loch\f0 owed}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6705482\charrsid10238123 \hich\af0\dbch\af35\loch\f0  under the mortgage debt}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7940521\charrsid10238123 \hich\af0\dbch\af35\loch\f0  when the settlement occurred.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6705482\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7940521\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 There was evidence which was not contradicted that from that amount a sum of $10,000 was l}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9198709\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 oan for the vehicle. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7940521 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 216}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7940521\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15160255\charrsid10238123 \hich\af0\dbch\af35\loch\f0 home loan thus stood at $195}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9198709\charrsid10238123 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15160255\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
192}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9198709\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15160255\charrsid10238123 \hich\af0\dbch\af35\loch\f0 52}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7940521\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9198709\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 or less to be}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6705482\charrsid10238123 \hich\af0\dbch\af35\loch\f0  pai\hich\af0\dbch\af35\loch\f0 d by the plaintiff}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9198709\charrsid10238123 \hich\af0\dbch\af35\loch\f0  when the settlement occurred under the policy. The reason I}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15160255\charrsid10238123 \hich\af0\dbch\af35\loch\f0  say it should be less than $195}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9198709\charrsid10238123 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15160255\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
192}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9198709\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15160255\charrsid10238123 \hich\af0\dbch\af35\loch\f0 52}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9198709\charrsid10238123 \hich\af0\dbch\af35\loch\f0  is that interest was also charged for the $10,000 every month}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6705482\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9198709\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 The interest was charged for some}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6705482\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9198709\charrsid10238123 \hich\af0\dbch\af35\loch\f0 16 }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7110605\charrsid10238123 \hich\af0\dbch\af35\loch\f0 months. No evidence was given as to wh\hich\af0\dbch\af35\loch\f0 
at interest rate applied to the motor vehicle loan but the home loan interest rate was 8.7 %. The transaction history says that the account type was home loan fix and variable. I understand the term fix or variable is in respect of the interest rates. It 
\hich\af0\dbch\af35\loch\f0 i\hich\af0\dbch\af35\loch\f0 s only fair that a f}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3214820\charrsid10238123 \hich\af0\dbch\af35\loch\f0 urther sum of $1150}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7110605\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 be taken away from this amount being for the interest on the $10,000 leaving a proper amount to be paid by the plaintiff as at the date of settlement to be $ $19}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15160255\charrsid10238123 \hich\af0\dbch\af35\loch\f0 4}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7110605\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 , }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15160255\charrsid10238123 \hich\af0\dbch\af35\loch\f0 042}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7110605\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3214820\charrsid10238123 \hich\af0\dbch\af35\loch\f0  
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15160255\charrsid10238123 \hich\af0\dbch\af35\loch\f0 52}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7110605\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . I have calculated interest on $10000 at a r\hich\af0\dbch\af35\loch\f0 
ate of 8.7% for 16 months being from date of fire to date of settlement by insurance company.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3214820\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 The interest calculated is an approximate amount.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9198709 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 217}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9198709\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6705482\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 If the bank property settled the claim at $149,000, the plaintiff would have only been left to pay $}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3214820\charrsid10238123 \hich\af0\dbch\af35\loch\f0 4}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7542141\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 5}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3214820\charrsid10238123 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7542141\charrsid10238123 \hich\af0\dbch\af35\loch\f0 042.\hich\af0\dbch\af35\loch\f0 52}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6705482\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13107487 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 218}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14296143\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8609252\charrsid10238123 \hich\af0\dbch\af35\loch\f0 There is no evidence that the plaintiff was in a position to redeem the debt in that amount}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4673631\charrsid10238123 \hich\af0\dbch\af35\loch\f0  of $45}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3214820\charrsid10238123 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4673631\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
042}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3214820\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4673631\charrsid10238123 \hich\af0\dbch\af35\loch\f0 52}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8609252\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 . The Plaintiff was only prepared }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7542141\charrsid10238123 \hich\af0\dbch\af35\loch\f0 to pay a sum of $20,000 to the B}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8609252\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank which amount would not have cleared the debt.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4074059\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7542141\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 Even if the Bank did not\hich\af0\dbch\af35\loch\f0 
 conduct the mortgagee sale and allowed the plaintiff to negotiate a separate cover, the maximum the plaintiff would have been entitled to would have been another $70,000. Even with that $70,000, he could not have cleared his account under s. 80 CCA notic
\hich\af0\dbch\af35\loch\f0 e\hich\af0\dbch\af35\loch\f0  that was given to him. Under that notice, he had to pay all the monies due to the Bank. The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4074059\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank thus had to conduct mortgagee sale and sell the property to the 4th defendant.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7542141\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 There is no other evidence that there was another buyer}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4673631\charrsid10238123 \hich\af0\dbch\af35\loch\f0  who}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid7542141\charrsid10238123 \hich\af0\dbch\af35\loch\f0  was ready and willi\hich\af0\dbch\af35\loch\f0 
ng to buy for more than what the 4th defendant offered. Even the plaintiff himself had no money to pay the Bank except for the $20,000 which he had offered and rightfully not accepted in light of a higher offer.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13053856 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 219}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13053856\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3214820\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 Of course the mortgagee }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4673631\charrsid10238123 \hich\af0\dbch\af35\loch\f0 sale reduced th\hich\af0\dbch\af35\loch\f0 
e debt by $33,333}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3214820\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . However until the mo}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4673631\charrsid10238123 \hich\af0\dbch\af35\loch\f0 rtgagee sale was conducted the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3214820\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank was entitled to }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13053856\charrsid10238123 \hich\af0\dbch\af35\loch\f0 8.7 % }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3214820\charrsid10238123 \hich\af0\dbch\af35\loch\f0 interest on the sum of $4}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4673631\charrsid10238123 \hich\af0\dbch\af35\loch\f0 5}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3214820\charrsid10238123 ,
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4673631\charrsid10238123 \hich\af0\dbch\af35\loch\f0 042.52 }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4673631\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (giving the plaintiff full benefit under the policy i.e the benefit of $149,000)}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3214820\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13053856\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 from 2}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4673631\charrsid10238123 \hich\af0\dbch\af35\loch\f0 8}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13053856\charrsid10238123 \hich\af0\dbch\af35\loch\f0  February 2005 until 6 October 2005}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3214820\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13053856\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The amount comes to:
\par }\pard \ltrpar\ql \li567\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 

\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \b\i\lang2057\langfe1028\loch\af3\hich\af3\dbch\af35\langnp2057\langfenp1028\insrsid3485382\charrsid10238123 \loch\af3\dbch\af35\hich\f3 \'b7\tab}}\pard \ltrpar
\ql \li567\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls9\adjustright\rin0\lin567\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 8.7/100 x }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2710172\charrsid10238123 \hich\af0\dbch\af35\loch\f0 $}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0 4}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11813536\charrsid10238123 \hich\af0\dbch\af35\loch\f0 5}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11813536\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 042.52}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0  = $3}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11813536\charrsid10238123 \hich\af0\dbch\af35\loch\f0 918.70}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0  per annum (i.e $}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11813536\charrsid10238123 \hich\af0\dbch\af35\loch\f0 326}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11813536\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 56 per month, $10.74}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0  per day )
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \b\i\lang2057\langfe1028\loch\af3\hich\af3\dbch\af35\langnp2057\langfenp1028\insrsid3485382\charrsid10238123 \loch\af3\dbch\af35\hich\f3 \'b7\tab}\hich\af0\dbch\af35\loch\f0 2}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11813536\charrsid10238123 \hich\af0\dbch\af35\loch\f0 8/02/2005 \hich\f0 \endash \loch\f0  6/10/2005 (almost 7 months 8}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0  days) 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \b\i\lang2057\langfe1028\loch\af3\hich\af3\dbch\af35\langnp2057\langfenp1028\insrsid3485382\charrsid10238123 \loch\af3\dbch\af35\hich\f3 \'b7\tab}\hich\af0\dbch\af35\loch\f0 Int}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11813536\charrsid10238123 \hich\af0\dbch\af35\loch\f0 erest for 7}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0  months is $}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11813536\charrsid10238123 \hich\af0\dbch\af35\loch\f0 326.56}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0  x }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11813536\charrsid10238123 \hich\af0\dbch\af35\loch\f0 7}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0  months = $2,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11813536\charrsid10238123 \hich\af0\dbch\af35\loch\f0 285}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11813536\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 92}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \b\i\lang2057\langfe1028\loch\af3\hich\af3\dbch\af35\langnp2057\langfenp1028\insrsid3485382\charrsid10238123 \loch\af3\dbch\af35\hich\f3 \'b7\tab}\hich\af0\dbch\af35\loch\f0 Interest for }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11813536\charrsid10238123 \hich\af0\dbch\af35\loch\f0 8}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0  days is $10.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11813536\charrsid10238123 \hich\af0\dbch\af35\loch\f0 74}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0  = $}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11813536\charrsid10238123 \hich\af0\dbch\af35\loch\f0 85.92}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \b\i\lang2057\langfe1028\loch\af3\hich\af3\dbch\af35\langnp2057\langfenp1028\insrsid10041022\charrsid10238123 \loch\af3\dbch\af35\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Total }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0 A}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11813536\charrsid10238123 \hich\af0\dbch\af35\loch\f0 mount due as at 6/10/2005 was }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2710172\charrsid10238123 \hich\af0\dbch\af35\loch\f0 $}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11813536\charrsid10238123 \hich\af0\dbch\af35\loch\f0 45}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0 , }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11813536\charrsid10238123 \hich\af0\dbch\af35\loch\f0 042}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11813536\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 52}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0  + $2,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11813536\charrsid10238123 \hich\af0\dbch\af35\loch\f0 285.92}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0  + $}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11813536\charrsid10238123 \hich\af0\dbch\af35\loch\f0 85.92}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0  = }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\uldb\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11813536\charrsid10238123 \hich\af0\dbch\af35\loch\f0 $47,414.36}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 220}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The Bank is further entitled to interest from the date of mortgagee sale until the date the debt was }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8848258\charrsid10238123 \hich\af0\dbch\af35\loch\f0 written off on the amount of $14}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8848258\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
081}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8848258\charrsid10238123 \hich\af0\dbch\af35\loch\f0 36}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8848258\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0 being }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11813536\charrsid10238123 \hich\af0\dbch\af35\loch\f0 the mortgagee sale procee\hich\af0\dbch\af35\loch\f0 ds of }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0 $33,333 less the amount du}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11813536\charrsid10238123 \hich\af0\dbch\af35\loch\f0 e as at 6 October 2005 being $47}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11813536\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 414}{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0 .3}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11813536\charrsid10238123 \hich\af0\dbch\af35\loch\f0 6}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8848258\charrsid10238123 \hich\af0\dbch\af35\loch\f0 )}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . The debt was written }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11678691\charrsid10238123 \hich\af0\dbch\af35\loch\f0 off on}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0  28 October 2005.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 221}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The calculation would be:
\par }\pard \ltrpar\ql \li567\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 

\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \lang2057\langfe1028\loch\af3\hich\af3\dbch\af35\langnp2057\langfenp1028\insrsid11678691\charrsid10238123 \loch\af3\dbch\af35\hich\f3 \'b7\tab}}\pard \ltrpar
\ql \li567\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls12\adjustright\rin0\lin567\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11678691\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 8.7/10}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8848258\charrsid10238123 \hich\af0\dbch\af35\loch\f0 0 x $14}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8848258\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 081}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8848258\charrsid10238123 \hich\af0\dbch\af35\loch\f0 36}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0  =}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11678691\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0 $}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11678691\charrsid10238123 \hich\af0\dbch\af35\loch\f0 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8848258\charrsid10238123 \hich\af0\dbch\af35\loch\f0 225}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11678691\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8848258\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 08}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0  per annum}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11678691\charrsid10238123 \hich\af0\dbch\af35\loch\f0  (i.e }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8848258\charrsid10238123 \hich\af0\dbch\af35\loch\f0 $102.09}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0  per month, $}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11678691\charrsid10238123 \hich\af0\dbch\af35\loch\f0 3}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8848258\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 36}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0  per day)}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780\charrsid10238123 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \lang2057\langfe1028\loch\af3\hich\af3\dbch\af35\langnp2057\langfenp1028\insrsid3485382\charrsid10238123 \loch\af3\dbch\af35\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0 6/6/2005 to 28/10/2005 =\hich\af0\dbch\af35\loch\f0  (4 months 22 days)}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780\charrsid10238123 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \lang2057\langfe1028\loch\af3\hich\af3\dbch\af35\langnp2057\langfenp1028\insrsid11678691\charrsid10238123 \loch\af3\dbch\af35\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11678691\charrsid10238123 \hich\af0\dbch\af35\loch\f0 $}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8848258\charrsid10238123 \hich\af0\dbch\af35\loch\f0 102.09}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11678691\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0 x 4}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11678691\charrsid10238123 \hich\af0\dbch\af35\loch\f0  months }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0 =}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11678691\charrsid10238123 \hich\af0\dbch\af35\loch\f0  $}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8848258\charrsid10238123 \hich\af0\dbch\af35\loch\f0 408.36}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11678691\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780\charrsid10238123 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \lang2057\langfe1028\loch\af3\hich\af3\dbch\af35\langnp2057\langfenp1028\insrsid8848258\charrsid10238123 \loch\af3\dbch\af35\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8848258\charrsid10238123 \hich\af0\dbch\af35\loch\f0 $3.36}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11678691\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 \hich\af0\dbch\af35\loch\f0 x 22}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8848258\charrsid10238123 \hich\af0\dbch\af35\loch\f0  days = $73.92}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780 
\par }\pard \ltrpar\ql \li567\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Total}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11678691\charrsid10238123 \hich\af0\dbch\af35\loch\f0  amount due as at the date of write off is $}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8848258\charrsid10238123 \hich\af0\dbch\af35\loch\f0 14,081.92}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11678691\charrsid10238123 \hich\af0\dbch\af35\loch\f0  + $}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8848258\charrsid10238123 \hich\af0\dbch\af35\loch\f0 408.36}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11678691\charrsid10238123 \hich\af0\dbch\af35\loch\f0 + $}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8848258\charrsid10238123 \hich\af0\dbch\af35\loch\f0 73.92}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11678691\charrsid10238123 \hich\af0\dbch\af35\loch\f0  = }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\uldb\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5710783\charrsid10238123 \hich\af0\dbch\af35\loch\f0 $14}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\uldb\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11678691\charrsid10238123 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\uldb\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5710783\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 564}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\uldb\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11678691\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\uldb\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5710783\charrsid10238123 \hich\af0\dbch\af35\loch\f0 20}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\uldb\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11678691\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\uldb\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3485382\charrsid10238123 
\hich\af0\dbch\af35\loch\f0  
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\uldb\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780\charrsid10238123 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 222}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13053856\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 The writing off t}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3219929\charrsid10238123 \hich\af0\dbch\af35\loch\f0 he loan does not mean that the B}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13053856\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank cannot claim what it wrote off\hich\af0\dbch\af35\loch\f0 . It only means that the }{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780\charrsid10238123 \hich\af0\dbch\af35\loch\f0 account is closed and the }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3219929\charrsid10238123 \hich\af0\dbch\af35\loch\f0 B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13053856\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 ank is not subjected to further exposure. When the loan is written off, no further interest and fees are charged on the written off amount}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3219929\charrsid10238123 \hich\af0\dbch\af35\loch\f0  as on the evidence there is no statement to show that such intere\hich\af0\dbch\af35\loch\f0 
st was charged and levied on the account. The evidence shows that the account was written off and no further charges were made to the account. The B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13053856\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank can claim the residual debt }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4194986\charrsid10238123 \hich\af0\dbch\af35\loch\f0 and the Court can award interest on the residual debt from the date of write\hich\af0\dbch\af35\loch\f0 
 off or the date of claim until judgment. Post judgment interest can also be awarded.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13053856\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 223}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5516980\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 \tab It goes without saying that if the Bank received the money it could have reinvested and received interest from the same and since it has been deprived of the inter\hich\af0\dbch\af35\loch\f0 est rate from the date of write o}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3219929\charrsid10238123 \hich\af0\dbch\af35\loch\f0 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780\charrsid10238123 \hich\af0\dbch\af35\loch\f0 f, it is only fair that I exercise my discretion in awarding a rate of 6 % from 2006 to 2012 being for 7 years. The interest for 
}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3219929\charrsid10238123 \hich\af0\dbch\af35\loch\f0 7 years at the rate of 6% on $14}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780\charrsid10238123 ,}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3219929\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
564}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3219929\charrsid10238123 \hich\af0\dbch\af35\loch\f0 20}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780\charrsid10238123 \hich\af0\dbch\af35\loch\f0  comes to $}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3219929\charrsid10238123 \hich\af0\dbch\af35\loch\f0 6,116.95 }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780\charrsid10238123 \hich\af0\dbch\af35\loch\f0 calculated as follows:
\par }\pard \ltrpar\ql \li567\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 

\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \lang2057\langfe1028\loch\af3\hich\af3\dbch\af35\langnp2057\langfenp1028\insrsid11536780\charrsid10238123 \loch\af3\dbch\af35\hich\f3 \'b7\tab}}\pard \ltrpar
\ql \li567\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls13\adjustright\rin0\lin567\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 6/100 x }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2710172\charrsid10238123 \hich\af0\dbch\af35\loch\f0 $}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780\charrsid10238123 \hich\af0\dbch\af35\loch\f0 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3219929\charrsid10238123 \hich\af0\dbch\af35\loch\f0 4}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780\charrsid10238123 \hich\af0\dbch\af35\loch\f0 , }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3219929\charrsid10238123 \hich\af0\dbch\af35\loch\f0 564}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3219929\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 20 = $873.85}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780\charrsid10238123 \hich\af0\dbch\af35\loch\f0  x 7 = $}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3219929\charrsid10238123 \hich\af0\dbch\af35\loch\f0 6,116.95}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780\charrsid10238123 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \lang2057\langfe1028\loch\af3\hich\af3\dbch\af35\langnp2057\langfenp1028\insrsid11536780\charrsid10238123 \loch\af3\dbch\af35\hich\f3 \'b7\tab}\hich\af0\dbch\af35\loch\f0 $1}{\rtlch\fcs1 
\af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3219929\charrsid10238123 \hich\af0\dbch\af35\loch\f0 4, 564.20}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780\charrsid10238123 \hich\af0\dbch\af35\loch\f0  + $}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3219929\charrsid10238123 \hich\af0\dbch\af35\loch\f0 6,116.95}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780\charrsid10238123 \hich\af0\dbch\af35\loch\f0  = }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780\charrsid10238123 \hich\af0\dbch\af35\loch\f0 $}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3219929\charrsid10238123 \hich\af0\dbch\af35\loch\f0 20,681.15}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780\charrsid10238123 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 224}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The total amount the plaintiff has to pay back the Bank should is $}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid3219929\charrsid10238123 \hich\af0\dbch\af35\loch\f0 20,681.15}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12147413 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 225}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4074059\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 The Bank is responsible for the $70,000}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12341887\charrsid10238123 \hich\af0\dbch\af35\loch\f0  loss}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11536780\charrsid10238123 \hich\af0\dbch\af35\loch\f0  it suffered and that liability should not be lai\hich\af0\dbch\af35\loch\f0 
d on the plaintiff because if the Bank had conducted a proper settlement, finally and after the mortgagee sale, the plaintiff would only have had to pay}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13704357\charrsid10238123 \hich\af0\dbch\af35\loch\f0  what I h}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12341887\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ave calculated to be $20,681.15.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13704357 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 226}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13704357\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12341887\charrsid10238123 \hich\af0\dbch\af35\loch\f0  plaintiff}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12341887\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s position with the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13704357\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank would have been no\hich\af0\dbch\af35\loch\f0  better than what I have calculate}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12341887\charrsid10238123 \hich\af0\dbch\af35\loch\f0 d to be. It is enough penalty for the Bank that it is}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13704357\charrsid10238123 \hich\af0\dbch\af35\loch\f0  liable to make good its own loss in the sum of $70,000. Any further damages against it for breach of its duty and }{\rtlch\fcs1 
\af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12341887\charrsid10238123 \hich\af0\dbch\af35\loch\f0 under }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13704357\charrsid10238123 \hich\af0\dbch\af35\loch\f0 the FTD is not viable and appropriate. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4074059\charrsid10238123 \hich\af0\dbch\af35\loch\f0 The Bank \hich\af0\dbch\af35\loch\f0 has suffered loss }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4194986\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
in the sum of $70,000 an amount which it cannot recover for breach of its fiduciary duty in not negotiating a proper claim. I do not thin}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12341887\charrsid10238123 \hich\af0\dbch\af35\loch\f0 k any more damages against the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4194986\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank is equitable.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12341887\charrsid10238123 \hich\af0\dbch\af35\loch\f0  If the claim was negotiated properly, the plaintiff\hich\af0\dbch\af35\loch\f0 
 would have been in the same position as I have calculated, that is, he would have had to pay the Bank at least the amount I have calculated. The plaintiff would not have had any money in his hands to be able to build the property and run the business so 
\hich\af0\dbch\af35\loch\f0 h\hich\af0\dbch\af35\loch\f0 e cannot be compensated for loss of business. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4074059\charrsid10238123 
\par }\pard \ltrpar\ql \fi-720\li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid10238123 {\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12147413 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13902136\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 Measure of Damages: Plaintiff v}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4468273\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s. Insurer}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4468273 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 227}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4468273\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14766329\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
Whether the damages be general or special, the time of assessment is important. When the insurer performs his promise of indemnity, the amount of indemnity is \hich\af0\dbch\af35\loch\f0 
normally calculated on values at the time of loss, even though the insurer may not be obliged to pay until later when the claim has been investigated. The traditional rule of contract law is to assess damages at the time of breach. Recently however, court
\hich\af0\dbch\af35\loch\f0 s\hich\af0\dbch\af35\loch\f0 
 mindful of inflation have stressed the basic aim of contract damages to put the plaintiff in as good as if the contract had been performed, and have based damages on values at the date of the hearing.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14766329 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 228}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14766329\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4468273\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 I have made a finding that the insurer cannot esc\hich\af0\dbch\af35\loch\f0 ape liability after hav}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12341887\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ing settled the claim with the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4468273\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
ank. It is also liable to the plaintiff for the monies it ought to have paid. The insurance company should have at least by 23 February 2004 p}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14766329\charrsid10238123 \hich\af0\dbch\af35\loch\f0 aid the sum of $149,000 to the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4468273\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank. It did not. That was t\hich\af0\dbch\af35\loch\f0 
he time when it received a report from its agent. That was the report which recommended a settlement at $145,000.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4468273 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 229}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid4468273\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14766329\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
I am of the finding that the damages should be assessed from the date when the monies should have been paid that is by 1 March 2004 beca\hich\af0\dbch\af35\loch\f0 
use the report was received on 23 February 2004. At least 7 days is needed to process and clear payment.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237 
\par 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 230}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12341887\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The Insurance C}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14766329\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ompany should have paid a proper amount to the Bank and since it did not and that the Bank has lost the money due to its own a}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13704357\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ction\hich\af0\dbch\af35\loch\f0 s, the balance sum of $70,}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14766329\charrsid10238123 \hich\af0\dbch\af35\loch\f0 000 sh}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12341887\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ould be paid to the plaintiff. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid14766329 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 231}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11939569\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 
The insurance company must pay interest from 1 March 2004 until the date of hearing being 26 September 2012. It is a commercial institution and capable of paying interest. It has saved so\hich\af0\dbch\af35\loch\f0 
 much money after having not paid the plaintiff. I exercise my discretion to order}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13704357\charrsid10238123 \hich\af0\dbch\af35\loch\f0  interest}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11939569\charrsid10238123 \hich\af0\dbch\af35\loch\f0  against the 2nd Defendant in the sum of }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13704357\charrsid10238123 \hich\af0\dbch\af35\loch\f0 6 % }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11939569\charrsid10238123 \hich\af0\dbch\af35\loch\f0 calculated as follows:
\par }\pard \ltrpar\ql \li567\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 

\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \lang2057\langfe1028\loch\af3\hich\af3\dbch\af35\langnp2057\langfenp1028\insrsid11939569\charrsid10238123 \loch\af3\dbch\af35\hich\f3 \'b7\tab}}\pard \ltrpar
\ql \li567\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls14\adjustright\rin0\lin567\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11939569\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 6/100 x 70,000 = $4, 200 per annum}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8482599\charrsid10238123 \hich\af0\dbch\af35\loch\f0  }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11939569\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13704357\charrsid10238123 \hich\af0\dbch\af35\loch\f0 i.e. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2710172\charrsid10238123 \hich\af0\dbch\af35\loch\f0 $}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11939569\charrsid10238123 \hich\af0\dbch\af35\loch\f0 350 per month; }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2710172\charrsid10238123 \hich\af0\dbch\af35\loch\f0 $}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11939569\charrsid10238123 \hich\af0\dbch\af35\loch\f0 11.51 per day)}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13704357\charrsid10238123 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \lang2057\langfe1028\loch\af3\hich\af3\dbch\af35\langnp2057\langfenp1028\insrsid11939569\charrsid10238123 \loch\af3\dbch\af35\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11939569\charrsid10238123 \hich\af0\dbch\af35\loch\f0 1/3/2004 to }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13704357\charrsid10238123 \hich\af0\dbch\af35\loch\f0 1}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11939569\charrsid10238123 \hich\af0\dbch\af35\loch\f0 /}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13704357\charrsid10238123 \hich\af0\dbch\af35\loch\f0 3}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid11939569\charrsid10238123 \hich\af0\dbch\af35\loch\f0 /2012}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13704357\charrsid10238123 \hich\af0\dbch\af35\loch\f0  = \hich\af0\dbch\af35\loch\f0 8 years}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5970187\charrsid10238123 \hich\af0\dbch\af35\loch\f0  =$33,600}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13704357\charrsid10238123 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \lang2057\langfe1028\loch\af3\hich\af3\dbch\af35\langnp2057\langfenp1028\insrsid8482599\charrsid10238123 \loch\af3\dbch\af35\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8482599\charrsid10238123 \hich\af0\dbch\af35\loch\f0 1/3/2}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5970187\charrsid10238123 \hich\af0\dbch\af35\loch\f0 012 to 1/09/2012 = 6 months = $2100}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13704357\charrsid10238123 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs22 \ltrch\fcs0 \lang2057\langfe1028\loch\af3\hich\af3\dbch\af35\langnp2057\langfenp1028\insrsid8482599\charrsid10238123 \loch\af3\dbch\af35\hich\f3 \'b7\tab}}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8482599\charrsid10238123 \hich\af0\dbch\af35\loch\f0 1/09/2012 to 26/09/2012 = 25 days =}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12341887\charrsid10238123 \hich\af0\dbch\af35\loch\f0 $}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8482599\charrsid10238123 \hich\af0\dbch\af35\loch\f0  287.75
\par }\pard \ltrpar\ql \li567\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8482599\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Total = $}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5970187\charrsid10238123 \hich\af0\dbch\af35\loch\f0 35,987.75}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8482599\charrsid10238123 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 232}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5970187\charrsid10238123 .\tab \hich\af0\dbch\af35\loch\f0 The Insurance company is liable to the plaintiff in the sum of $105,987.75}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6902058\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . I do not make any other orders for damages under t\hich\af0\dbch\af35\loch\f0 
he FTD as the plaintiff is awarded what it ought to have received in the first place. }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid12341887\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
I must however note that if the monies were paid on time, he would not have received the money but the Bank would have. Today the position is different. The Bank was equa\hich\af0\dbch\af35\loch\f0 
lly unconscionable in not negotiating a proper value under the policy. The plaintiff had to go through litigation to recover that amount. The monies should thus rightfully go to the plaintiff. Any further payments to the Bank from the in insurance proceed
\hich\af0\dbch\af35\loch\f0 s\hich\af0\dbch\af35\loch\f0  is not equitable.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15604424\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5970187\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8482599\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Post Judgment Interest }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15604424 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 233}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8482599\charrsid10238123 .\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5970187\charrsid10238123 
\hich\af0\dbch\af35\loch\f0 I exercise my discretion and do not order any post judgment interes}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid142607\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
t against the plaintiff to the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid5970187\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637128\charrsid10238123 \hich\af0\dbch\af35\loch\f0  but the insurance company being a commercial institution ought to pay interest as it has kept the plaint
\hich\af0\dbch\af35\loch\f0 iff out of the money for so long.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8482599\charrsid10238123 \hich\af0\dbch\af35\loch\f0 
 I only order post judgment interest against the insurance company being in the sum of 4 %.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15604424\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2710172\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8482599\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Final Orders}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15604424 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022\charrsid10238123 \hich\af0\dbch\af35\loch\f0 234}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8482599\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab In the final analysi}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid142607\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s, I make the following orders:}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10041022 
\par }\pard \ltrpar\ql \li567\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin567\itap0\pararsid6824237 {\rtlch\fcs1 \af0 \ltrch\fcs0 \fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 

\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8482599\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (a).\tab The 1st defendant shall have judgment against the plai\hich\af0\dbch\af35\loch\f0 
ntiff in the sum of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637128\charrsid10238123 \hich\af0\dbch\af35\loch\f0 $}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid142607\charrsid10238123 \hich\af0\dbch\af35\loch\f0 20,681.15 (inclusive of pre-judgment interest at the rate of 6% for 7 years).}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637128 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8482599\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (b).\tab The plaintiff shall have judgment against the 2nd defendant in the sum of $}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637128\charrsid10238123 \hich\af0\dbch\af35\loch\f0 105}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13902136\charrsid10238123 \hich\af0\dbch\af35\loch\f0 , }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10637128\charrsid10238123 \hich\af0\dbch\af35\loch\f0 987.75}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6902058\charrsid10238123 \hich\af0\dbch\af35\loch\f0  inclusive of interest at the rate of 6 % from 1 March }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid142607\charrsid10238123 \hich\af0\dbch\af35\loch\f0 2004 until \hich\af0\dbch\af35\loch\f0 the date of hearing. }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6902058\charrsid10238123 \hich\af0\dbch\af35\loch\f0 In addition, the plaintiff is also entitled to }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8482599\charrsid10238123 \hich\af0\dbch\af35\loch\f0 post judgment interest at the rate of 4%.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15604424 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9315577\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (c}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13902136\charrsid10238123 \hich\af0\dbch\af35\loch\f0 )}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8482599\charrsid10238123 \hich\af0\dbch\af35\loch\f0 . \tab The injunction against mortga}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid142607\charrsid10238123 \hich\af0\dbch\af35\loch\f0 gee sale is discharged and the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8482599\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank is to proceed to finalize the mortgagee sale}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13902136\charrsid10238123 .}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid8482599 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9315577\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (d}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13902136\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ).\tab Since the plaintiff is s\hich\af0\dbch\af35\loch\f0 
uccessful in his claim, I make an order for costs against the 2nd defendant in the sum of $5,000.}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13902136 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9315577\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (e}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13902136\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ).\tab The plaintiff is succe}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid142607\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ssful in his claim against the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13902136\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank although there }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid142607\charrsid10238123 \hich\af0\dbch\af35\loch\f0 is judgment against him on the B}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13902136\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ank}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 
\hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13902136\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s counter-claim. I thus }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid142607\charrsid10238123 \hich\af0\dbch\af35\loch\f0 order that the plain\hich\af0\dbch\af35\loch\f0 tiff and the Bank each bear their own costs.}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13902136 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6824237\charrsid10238123 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13902136\charrsid10238123 \hich\af0\dbch\af35\loch\f0 (}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid9315577\charrsid10238123 \hich\af0\dbch\af35\loch\f0 f}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13902136\charrsid10238123 \hich\af0\dbch\af35\loch\f0 ).\tab }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid142607\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Between the plaintiff and the 3rd and 4th}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13908694\charrsid10238123 \hich\af0\dbch\af35\loch\f0  d}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid142607\charrsid10238123 \hich\af0\dbch\af35\loch\f0 efendants, each are to bear their own costs.
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid10238123 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid2710172\charrsid10238123 
\par }{\rtlch\fcs1 \af0\afs16 \ltrch\fcs0 \b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13902136\charrsid10238123 \hich\af0\dbch\af35\loch\f0 To:}{\rtlch\fcs1 \af0\afs16 \ltrch\fcs0 
\b\i\fs24\ul\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid15604424\charrsid10238123 
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs16 \ltrch\fcs0 \b\i\lang2057\langfe1028\dbch\af35\langnp2057\langfenp1028\insrsid13902136\charrsid10238123 \hich\af0\dbch\af35\loch\f0 1.\tab}}\pard \ltrpar
\ql \fi-360\li360\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\ls8\adjustright\rin0\lin360\itap0\pararsid10238123 {\rtlch\fcs1 \af0\afs16 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13902136\charrsid10238123 \hich\af0\dbch\af35\loch\f0 Maqbool & Company for the Plaintiff.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs16 \ltrch\fcs0 \b\i\lang2057\langfe1028\dbch\af35\langnp2057\langfenp1028\insrsid13902136\charrsid10238123 \hich\af0\dbch\af35\loch\f0 2.\tab}\hich\af0\dbch\af35\loch\f0 
Young & Associates for the 1st Defendant.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs16 \ltrch\fcs0 \b\i\lang2057\langfe1028\dbch\af35\langnp2057\langfenp1028\insrsid13902136\charrsid10238123 \hich\af0\dbch\af35\loch\f0 3.\tab}\hich\af0\dbch\af35\loch\f0 Cromptons for the 2nd Defendant.

\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs16 \ltrch\fcs0 \b\i\lang2057\langfe1028\dbch\af35\langnp2057\langfenp1028\insrsid13902136\charrsid10238123 \hich\af0\dbch\af35\loch\f0 4.\tab}\hich\af0\dbch\af35\loch\f0 AG}{\rtlch\fcs1 \af0\afs16 
\ltrch\fcs0 \b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid10238123 \hich\af0\dbch\af35\loch\f0 '}{\rtlch\fcs1 \af0\afs16 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid13902136\charrsid10238123 \hich\af0\dbch\af35\loch\f0 s Chambers Labasa for the 3rd Defendant.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs16 \ltrch\fcs0 \b\i\lang2057\langfe1028\dbch\af35\langnp2057\langfenp1028\insrsid13902136\charrsid10238123 \hich\af0\dbch\af35\loch\f0 5.\tab}\hich\af0\dbch\af35\loch\f0 4th Defendant in Person.
\par {\listtext\pard\plain\ltrpar \rtlch\fcs1 \af0\afs16 \ltrch\fcs0 \b\i\lang2057\langfe1028\dbch\af35\langnp2057\langfenp1028\insrsid142607\charrsid10238123 \hich\af0\dbch\af35\loch\f0 6.\tab}}{\rtlch\fcs1 \af0\afs16 \ltrch\fcs0 
\b\i\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid142607\charrsid10238123 \hich\af0\dbch\af35\loch\f0 File: Labasa HBC 02 of 2006.}{\rtlch\fcs1 \af0\afs16 \ltrch\fcs0 
\fs24\lang2057\langfe1028\loch\af0\hich\af0\dbch\af35\langnp2057\insrsid6505848\charrsid6824237 
\par }{\*\themedata 504b030414000600080000002100828abc13fa0000001c020000130000005b436f6e74656e745f54797065735d2e786d6cac91cb6ac3301045f785fe83d0b6d8
72ba28a5d8cea249777d2cd20f18e4b12d6a8f843409c9df77ecb850ba082d74231062ce997b55ae8fe3a00e1893f354e9555e6885647de3a8abf4fbee29bbd7
2a3150038327acf409935ed7d757e5ee14302999a654e99e393c18936c8f23a4dc072479697d1c81e51a3b13c07e4087e6b628ee8cf5c4489cf1c4d075f92a0b
44d7a07a83c82f308ac7b0a0f0fbf90c2480980b58abc733615aa2d210c2e02cb04430076a7ee833dfb6ce62e3ed7e14693e8317d8cd0433bf5c60f53fea2fe7
065bd80facb647e9e25c7fc421fd2ddb526b2e9373fed4bb902e182e97b7b461e6bfad3f010000ffff0300504b030414000600080000002100a5d6a7e7c00000
00360100000b0000005f72656c732f2e72656c73848fcf6ac3300c87ef85bd83d17d51d2c31825762fa590432fa37d00e1287f68221bdb1bebdb4fc7060abb08
84a4eff7a93dfeae8bf9e194e720169aaa06c3e2433fcb68e1763dbf7f82c985a4a725085b787086a37bdbb55fbc50d1a33ccd311ba548b63095120f88d94fbc
52ae4264d1c910d24a45db3462247fa791715fd71f989e19e0364cd3f51652d73760ae8fa8c9ffb3c330cc9e4fc17faf2ce545046e37944c69e462a1a82fe353
bd90a865aad41ed0b5b8f9d6fd010000ffff0300504b0304140006000800000021006b799616830000008a0000001c0000007468656d652f7468656d652f7468
656d654d616e616765722e786d6c0ccc4d0ac3201040e17da17790d93763bb284562b2cbaebbf600439c1a41c7a0d29fdbd7e5e38337cedf14d59b4b0d592c9c
070d8a65cd2e88b7f07c2ca71ba8da481cc52c6ce1c715e6e97818c9b48d13df49c873517d23d59085adb5dd20d6b52bd521ef2cdd5eb9246a3d8b4757e8d3f7
29e245eb2b260a0238fd010000ffff0300504b03041400060008000000210096b5ade296060000501b0000160000007468656d652f7468656d652f7468656d65
312e786d6cec594f6fdb3614bf0fd87720746f6327761a07758ad8b19b2d4d1bc46e871e698996d850a240d2497d1bdae38001c3ba618715d86d87615b8116d8
a5fb34d93a6c1dd0afb0475292c5585e9236d88aad3e2412f9e3fbff1e1fa9abd7eec70c1d1221294fda5efd72cd4324f1794093b0eddd1ef62fad79482a9c04
98f184b4bd2991deb58df7dfbb8ad755446282607d22d771db8b944ad79796a40fc3585ee62949606ecc458c15bc8a702910f808e8c66c69b9565b5d8a314d3c
94e018c8de1a8fa94fd05093f43672e23d06af89927ac06762a049136785c10607758d9053d965021d62d6f6804fc08f86e4bef210c352c144dbab999fb7b471
7509af678b985ab0b6b4ae6f7ed9ba6c4170b06c788a705430adf71bad2b5b057d03606a1ed7ebf5babd7a41cf00b0ef83a6569632cd467faddec9699640f671
9e76b7d6ac355c7c89feca9cccad4ea7d36c65b258a206641f1b73f8b5da6a6373d9c11b90c537e7f08dce66b7bbeae00dc8e257e7f0fd2badd5868b37a088d1
e4600ead1ddaef67d40bc898b3ed4af81ac0d76a197c86826828a24bb318f3442d8ab518dfe3a20f000d6458d104a9694ac6d88728eee2782428d60cf03ac1a5
193be4cbb921cd0b495fd054b5bd0f530c1931a3f7eaf9f7af9e3f45c70f9e1d3ff8e9f8e1c3e3073f5a42ceaa6d9c84e5552fbffdeccfc71fa33f9e7ef3f2d1
17d57859c6fffac327bffcfc793510d26726ce8b2f9ffcf6ecc98baf3efdfdbb4715f04d814765f890c644a29be408edf3181433567125272371be15c308d3f2
8acd249438c19a4b05fd9e8a1cf4cd296699771c393ac4b5e01d01e5a30a787d72cf1178108989a2159c77a2d801ee72ce3a5c545a6147f32a99793849c26ae6
6252c6ed637c58c5bb8b13c7bfbd490a75330f4b47f16e441c31f7184e140e494214d273fc80900aedee52ead87597fa824b3e56e82e451d4c2b4d32a423279a
668bb6690c7e9956e90cfe766cb37b077538abd27a8b1cba48c80acc2a841f12e698f13a9e281c57911ce298950d7e03aba84ac8c154f8655c4f2af074481847
bd804859b5e696007d4b4edfc150b12addbecba6b18b148a1e54d1bc81392f23b7f84137c2715a851dd0242a633f900710a218ed715505dfe56e86e877f0034e
16bafb0e258ebb4faf06b769e888340b103d3311da9750aa9d0a1cd3e4efca31a3508f6d0c5c5c398602f8e2ebc71591f5b616e24dd893aa3261fb44f95d843b
5974bb5c04f4edafb95b7892ec1108f3f98de75dc97d5772bdff7cc95d94cf672db4b3da0a6557f70db629362d72bcb0431e53c6066acac80d699a6409fb44d0
8741bdce9c0e4971624a2378cceaba830b05366b90e0ea23aaa241845368b0eb9e2612ca8c742851ca251ceccc70256d8d87265dd96361531f186c3d9058edf2
c00eafe8e1fc5c509031bb4d680e9f39a3154de0accc56ae644441edd76156d7429d995bdd88664a9dc3ad50197c38af1a0c16d684060441db02565e85f3b966
0d0713cc48a0ed6ef7dedc2dc60b17e92219e180643ed27acffba86e9c94c78ab90980d8a9f0913ee49d62b512b79626fb06dccee2a432bbc60276b9f7dec44b
7904cfbca4f3f6443ab2a49c9c2c41476dafd55c6e7ac8c769db1bc399161ee314bc2e75cf8759081743be1236ec4f4d6693e5336fb672c5dc24a8c33585b5fb
9cc24e1d4885545b58463634cc5416022cd19cacfccb4d30eb45296023fd35a458598360f8d7a4003bbaae25e331f155d9d9a5116d3bfb9a95523e51440ca2e0
088dd844ec6370bf0e55d027a012ae264c45d02f708fa6ad6da6dce29c255df9f6cae0ec38666984b372ab5334cf640b37795cc860de4ae2816e95b21be5ceaf
8a49f90b52a51cc6ff3355f47e0237052b81f6800fd7b802239daf6d8f0b1571a8426944fdbe80c6c1d40e8816b88b8569082ab84c36ff0539d4ff6dce591a26
ade1c0a7f669880485fd484582903d284b26fa4e2156cff62e4b9265844c4495c495a9157b440e091bea1ab8aaf7760f4510eaa69a6465c0e04ec69ffb9e65d0
28d44d4e39df9c1a52ecbd3607fee9cec7263328e5d661d3d0e4f62f44acd855ed7ab33cdf7bcb8ae889599bd5c8b3029895b6825696f6af29c239b75a5bb1e6
345e6ee6c28117e73586c1a2214ae1be07e93fb0ff51e133fb65426fa843be0fb515c187064d0cc206a2fa926d3c902e907670048d931db4c1a44959d366ad93
b65abe595f70a75bf03d616c2dd959fc7d4e6317cd99cbcec9c58b34766661c7d6766ca1a9c1b327531486c6f941c638c67cd22a7f75e2a37be0e82db8df9f30
254d30c1372581a1f51c983c80e4b71ccdd28dbf000000ffff0300504b0304140006000800000021000dd1909fb60000001b010000270000007468656d652f74
68656d652f5f72656c732f7468656d654d616e616765722e786d6c2e72656c73848f4d0ac2301484f78277086f6fd3ba109126dd88d0add40384e4350d363f24
51eced0dae2c082e8761be9969bb979dc9136332de3168aa1a083ae995719ac16db8ec8e4052164e89d93b64b060828e6f37ed1567914b284d262452282e3198
720e274a939cd08a54f980ae38a38f56e422a3a641c8bbd048f7757da0f19b017cc524bd62107bd5001996509affb3fd381a89672f1f165dfe514173d9850528
a2c6cce0239baa4c04ca5bbabac4df000000ffff0300504b01022d0014000600080000002100828abc13fa0000001c0200001300000000000000000000000000
000000005b436f6e74656e745f54797065735d2e786d6c504b01022d0014000600080000002100a5d6a7e7c0000000360100000b000000000000000000000000
002b0100005f72656c732f2e72656c73504b01022d00140006000800000021006b799616830000008a0000001c00000000000000000000000000140200007468
656d652f7468656d652f7468656d654d616e616765722e786d6c504b01022d001400060008000000210096b5ade296060000501b000016000000000000000000
00000000d10200007468656d652f7468656d652f7468656d65312e786d6c504b01022d00140006000800000021000dd1909fb60000001b010000270000000000
00000000000000009b0900007468656d652f7468656d652f5f72656c732f7468656d654d616e616765722e786d6c2e72656c73504b050600000000050005005d010000960a00000000}
{\*\colorschememapping 3c3f786d6c2076657273696f6e3d22312e302220656e636f64696e673d225554462d3822207374616e64616c6f6e653d22796573223f3e0d0a3c613a636c724d
617020786d6c6e733a613d22687474703a2f2f736368656d61732e6f70656e786d6c666f726d6174732e6f72672f64726177696e676d6c2f323030362f6d6169
6e22206267313d226c743122207478313d22646b3122206267323d226c743222207478323d22646b322220616363656e74313d22616363656e74312220616363
656e74323d22616363656e74322220616363656e74333d22616363656e74332220616363656e74343d22616363656e74342220616363656e74353d22616363656e74352220616363656e74363d22616363656e74362220686c696e6b3d22686c696e6b2220666f6c486c696e6b3d22666f6c486c696e6b222f3e}
{\*\latentstyles\lsdstimax267\lsdlockeddef0\lsdsemihiddendef1\lsdunhideuseddef1\lsdqformatdef0\lsdprioritydef99{\lsdlockedexcept \lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority0 \lsdlocked0 Normal;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority9 \lsdlocked0 heading 1;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 2;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 3;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 4;
\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 5;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 6;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 7;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 8;\lsdqformat1 \lsdpriority9 \lsdlocked0 heading 9;
\lsdpriority39 \lsdlocked0 toc 1;\lsdpriority39 \lsdlocked0 toc 2;\lsdpriority39 \lsdlocked0 toc 3;\lsdpriority39 \lsdlocked0 toc 4;\lsdpriority39 \lsdlocked0 toc 5;\lsdpriority39 \lsdlocked0 toc 6;\lsdpriority39 \lsdlocked0 toc 7;
\lsdpriority39 \lsdlocked0 toc 8;\lsdpriority39 \lsdlocked0 toc 9;\lsdqformat1 \lsdpriority35 \lsdlocked0 caption;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority10 \lsdlocked0 Title;\lsdpriority1 \lsdlocked0 Default Paragraph Font;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority11 \lsdlocked0 Subtitle;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority22 \lsdlocked0 Strong;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority20 \lsdlocked0 Emphasis;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority59 \lsdlocked0 Table Grid;\lsdunhideused0 \lsdlocked0 Placeholder Text;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority1 \lsdlocked0 No Spacing;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading;\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List;\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List;\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List;\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid;\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 1;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 1;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 1;\lsdunhideused0 \lsdlocked0 Revision;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority34 \lsdlocked0 List Paragraph;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority29 \lsdlocked0 Quote;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority30 \lsdlocked0 Intense Quote;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 1;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 1;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 1;\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 2;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 2;\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 3;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 3;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 3;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 3;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 3;\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 3;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 4;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 4;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 4;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 4;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 4;\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 5;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 5;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 5;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 5;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 5;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 5;\lsdsemihidden0 \lsdunhideused0 \lsdpriority60 \lsdlocked0 Light Shading Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority61 \lsdlocked0 Light List Accent 6;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority62 \lsdlocked0 Light Grid Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority63 \lsdlocked0 Medium Shading 1 Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority64 \lsdlocked0 Medium Shading 2 Accent 6;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority65 \lsdlocked0 Medium List 1 Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority66 \lsdlocked0 Medium List 2 Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority67 \lsdlocked0 Medium Grid 1 Accent 6;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority68 \lsdlocked0 Medium Grid 2 Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority69 \lsdlocked0 Medium Grid 3 Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority70 \lsdlocked0 Dark List Accent 6;
\lsdsemihidden0 \lsdunhideused0 \lsdpriority71 \lsdlocked0 Colorful Shading Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority72 \lsdlocked0 Colorful List Accent 6;\lsdsemihidden0 \lsdunhideused0 \lsdpriority73 \lsdlocked0 Colorful Grid Accent 6;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority19 \lsdlocked0 Subtle Emphasis;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority21 \lsdlocked0 Intense Emphasis;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority31 \lsdlocked0 Subtle Reference;\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority32 \lsdlocked0 Intense Reference;
\lsdsemihidden0 \lsdunhideused0 \lsdqformat1 \lsdpriority33 \lsdlocked0 Book Title;\lsdpriority37 \lsdlocked0 Bibliography;\lsdqformat1 \lsdpriority39 \lsdlocked0 TOC Heading;}}{\*\datastore 010500000200000018000000
4d73786d6c322e534158584d4c5265616465722e352e3000000000000000000000060000
d0cf11e0a1b11ae1000000000000000000000000000000003e000300feff090006000000000000000000000001000000010000000000000000100000feffffff00000000feffffff0000000000000000ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
fffffffffffffffffdfffffffeffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffff
ffffffffffffffffffffffffffffffff52006f006f007400200045006e00740072007900000000000000000000000000000000000000000000000000000000000000000000000000000000000000000016000500ffffffffffffffffffffffffec69d9888b8b3d4c859eaf6cd158be0f0000000000000000000000003065
2ac27e83cf01feffffff00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000ffffffffffffffffffffffff00000000000000000000000000000000000000000000000000000000
00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000ffffffffffffffffffffffff0000000000000000000000000000000000000000000000000000
000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000ffffffffffffffffffffffff000000000000000000000000000000000000000000000000
0000000000000000000000000000000000000000000000000105000000000000}}