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{\fbiminor\f31507\fbidi \froman\fcharset0\fprq2{\*\panose 02020603050405020304}Times New Roman;}{\f344\fbidi \froman\fcharset238\fprq2 Times New Roman CE;}{\f345\fbidi \froman\fcharset204\fprq2 Times New Roman Cyr;}
{\f347\fbidi \froman\fcharset161\fprq2 Times New Roman Greek;}{\f348\fbidi \froman\fcharset162\fprq2 Times New Roman Tur;}{\f349\fbidi \froman\fcharset177\fprq2 Times New Roman (Hebrew);}{\f350\fbidi \froman\fcharset178\fprq2 Times New Roman (Arabic);}
{\f351\fbidi \froman\fcharset186\fprq2 Times New Roman Baltic;}{\f352\fbidi \froman\fcharset163\fprq2 Times New Roman (Vietnamese);}{\f364\fbidi \fmodern\fcharset238\fprq1 Courier New CE;}{\f365\fbidi \fmodern\fcharset204\fprq1 Courier New Cyr;}
{\f367\fbidi \fmodern\fcharset161\fprq1 Courier New Greek;}{\f368\fbidi \fmodern\fcharset162\fprq1 Courier New Tur;}{\f369\fbidi \fmodern\fcharset177\fprq1 Courier New (Hebrew);}{\f370\fbidi \fmodern\fcharset178\fprq1 Courier New (Arabic);}
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{\f714\fbidi \fswiss\fcharset238\fprq2 Calibri CE;}{\f715\fbidi \fswiss\fcharset204\fprq2 Calibri Cyr;}{\f717\fbidi \fswiss\fcharset161\fprq2 Calibri Greek;}{\f718\fbidi \fswiss\fcharset162\fprq2 Calibri Tur;}
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{\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;}
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{\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;
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\i\f0\fs20\insrsid3543177 Ramiro v. White}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\insrsid3543177\charrsid14642428 , 201}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\insrsid3543177 6}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
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\rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f37\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\fs24\insrsid9187316\charrsid6693771 IN THE SUPREME COURT OF GUAM
\par 
\par LLUMELLE RAMIRO, ANGELA DUENAS, and MARY PEDRO,
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid9187316\charrsid6693771 Plaintiffs-Appellants,
\par 
\par v.
\par 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\fs24\insrsid9187316\charrsid6693771 CHARLES B. WHITE, JR. as Administrator for the Estate of
\par ERNESTO CASTRO SALES,
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid9187316\charrsid6693771 Defendant-Appellee.
\par 
\par 
\par Supreme Court Case No.: CVA15-003
\par Superior Court Case No.: CV0998-13
\par 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \b\f0\fs24\insrsid9187316\charrsid14381641 
\par OPINION
\par 
\par Filed: February 12, 2016
\par 
\par Cite as: 2016 Guam 6
\par 
\par }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\insrsid9187316\charrsid6693771 
\par Appeal from the Superior Court of Guam
\par Argued and submitted on August 13, 2015
\par Hag\'e5t\'f1a, Guam
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9187316 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
\par 
\par \ltrrow}\trowd \irow0\irowband0\lastrow \ltrrow\ts11\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid9661815\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0
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\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Appearing for Plaintiffs-Appellants:
\par }\pard\plain \ltrpar\s27\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid9661815 \rtlch\fcs1 \af37\afs22\alang1025 \ltrch\fcs0 \f37\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 William L. Gavras, }{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 
\i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Esq}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 .
\par Law Offices of William L. Gavras
\par A Professional Corporation
\par 101 Salisbury St.
\par Dededo, GU 96929
\par 
\par Vincent Leon Guerrero, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Esq.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
\par P.O. Box 12457
\par Tamuning, GU 96931}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 \cell }\pard\plain \ltrpar
\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid9661815 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f37\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Appearing for}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\ul\lang2057\langfe1033\chshdng0\chcfpat0\chcbpat8\langnp2057\insrsid9187316\charrsid9051857  Defendant-Appellee:
\par }\pard\plain \ltrpar\s27\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid9661815 \rtlch\fcs1 \af37\afs22\alang1025 \ltrch\fcs0 \f37\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 R. Todd Thompson, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
Esq.
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Thompson, Thompson & Alcantara, P.C.
\par 238 Archbishop Flores St., Ste. 801
\par Hag\'e5t\'f1a, GU 96910
\par }\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid9661815 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f37\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\chshdng0\chcfpat0\chcbpat8\langnp2057\insrsid9187316\charrsid9051857 
\par }\pard\plain \ltrpar\s27\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid9661815 \rtlch\fcs1 \af37\afs22\alang1025 \ltrch\fcs0 \f37\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 \cell }\pard\plain \ltrpar\ql \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 \rtlch\fcs1 
\af0\afs22\alang1025 \ltrch\fcs0 \f37\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \trowd \irow0\irowband0\lastrow \ltrrow
\ts11\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid9661815\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth5238\clshdrawnil \cellx5130\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4338\clshdrawnil \cellx9468\row }\pard \ltrpar
\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9187316 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 BEFORE: ROBERT J. TORRES, Chief Justice; F. PHILIP CARBULLIDO, Associate Justice; KATHERINE A. MARAMAN, Associate Justice.
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
\par TORRES, C.J.:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [1]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \tab 
Plaintiffs-Appellants Llumelle Ramiro, Angela Duenas, and Mary Pedro (collectively }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Appellants-Beneficiaries}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 ) contend that Ernesto Castro Sales (}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Decedent,}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  represented by Charles B. White, Jr., Administrator for the Estate of Ernesto Castro Sales) e
xpressed his intent to designate them as beneficiaries to all of his Coast360 accounts on his Membership Information Form dated March 31, 2007 (the }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Instrument}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 ).}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 When interpreting the Instrument at trial, however, the court determined the document was amb
iguous with respect to which accounts were included, considered extrinsic evidence to determine Decedent}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s intent and concluded that the Decedent did not intend to include the Appellants-Beneficiaries as beneficiaries on all of his accounts.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Appellants-Ben
eficiaries contend the Instrument was unambiguous, and that the consideration of extrinsic evidence was improper.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Accordingly, they ask this court to reverse the trial court}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s judgment, award them all accounts in existence at the time the Instrument was created, and to also award them subsequently created accounts.}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 We affirm.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
\par }\pard\plain \ltrpar\s16\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5834118\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f37\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 I.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 FACTUAL AND PROCEDURAL BACKGROUND
\par }\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9187316 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f37\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [2]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \tab Ernesto Castro Sales (}
{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Decedent}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 ) banked with Coast360 Federal Credit Union (}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Coast360}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 ).}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 On the day of his death, September 4, 2012, Deceden
t had two separate Coast360 membership accounts, specifically Account Numbers 8065 and 55180.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Account 8065 was opened in May of 1989, and account 55180 was opened in July of 2004.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  

\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [3]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \tab 
Each account had several subaccounts that were }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
treated as separate accounts by Coast 360 [sic].}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 " }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Record on Appeal (}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 RA}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 ), tab 26 at 2 (Finds. Fact & Concl. L., Dec. 19, 2014); }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 see also }{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Transcript (}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Tr.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 ) at 24-25 (Bench Trial, July 10, 2014).}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 At the time Decedent filled out the Instrument on March 31, 
2007, account 55180 had at least four subaccounts, including: (1) 55180-001; (2) 55180-002; (3) 55180-003; and (4) 55180-004.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Decedent updated accounts 8065 and 55180 on March 31, 2007, using the Instrument.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 On the Instrument, there is a mark that appears to be a circled }{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 1}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  next to the }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 suffix}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  designation.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
The Instrument provided six lines below the suffix designation, enumerating different types of accounts with checkable boxes.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Decedent did not mark any of the boxes, but hand-wrote a note to }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Add Beneficiary All Account.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 " }{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 RA, tab 17 at Ex. B (White}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s Ex. List, Instrument, Mar. 31, 2007); Tr. at 6 (Bench Trial, July 10, 2014) (the parties stipulated to enter all exhibits into evidence)}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 .}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \cs30\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \chftn {\footnote \ltrpar \pard\plain \ltrpar
\s28\qj \fi720\li0\ri0\sa120\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9187316 \rtlch\fcs1 \af37\afs20\alang1025 \ltrch\fcs0 \f37\fs20\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \af0 
\ltrch\fcs0 \cs30\f0\super\insrsid9187316\charrsid8269070 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid9187316\charrsid8269070   }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid9187316 Appellants-Beneficiaries}{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\insrsid9187316\charrsid8269070  include a reproduction of the Instrument in their brief.  Appellants\rquote  Br. at 9 (May 5, 2015).  White clarifies that the reproduction of }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid9187316 Appellants-Beneficiaries}{
\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid9187316\charrsid8269070  appears differently than the actual Coast360 Member Information form, and refers to the reproduction as a }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid9187316 fabrication.}{\rtlch\fcs1 \af0 
\ltrch\fcs0 \f0\insrsid9187316\charrsid8269070   Appellee\rquote s Br. at 4 (June 3, 2015) (}{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid9187316\charrsid5779362 citing }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \f0\insrsid9187316\charrsid11552894 
RA, tab 17 at Ex. B (White\rquote s Exhibit List,}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\insrsid9187316\charrsid11552894  }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \f0\insrsid9187316\charrsid11552894 Instrument)).}}}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [4]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \tab 
The second page of the Instrument provides three choices for designating which accounts the customer wishes the beneficiaries to receive on his death.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 The first and third choices permit the customer to designate specific amounts.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 The second choice, on the other hand, designates }{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 All Accounts.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 " }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Id.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Decedent placed a line through the }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 All Accounts,}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  and did not use the space to designate specific accounts.}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Id.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  at 16-19.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [5]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \tab 
The Chief Operations Officer of Coast360, Monica Pido, testified that the notation in the section of the form next to Decedent}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s initials under }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 suffix,}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  appears as a circled }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 1.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 " }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Tr. at 15 (Bench Trial, July 10, 2014).}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Hence, in her understanding, the Appellants-Beneficiaries were beneficiaries of Decedent}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '
}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s membership accounts 8065 and 55180 with a }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 suffix one.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 " }{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Id.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Pido also testified her interpretation of }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 add beneficiaries on account}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  was meant to indicate }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [a]ll accounts but specifically for suffix one.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 " }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Id.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [6]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \tab 
After Decedent executed the Instrument, he opened accounts 55180-401, 55180-402, 55180-403, 55180-404, and 55180-405.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 The beneficiary sections in these new subaccounts were left blank.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
Decedent was asked multiple times in 2010 and 2012 by Coast360 representatives whether he wanted to designate beneficiaries for his after-acquired subaccounts for account 55180, and he repeatedly declined to do so.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Decedent opened 55180
-401 on June 12, 2010, and the Coast360 representative who opened the account testified she went over designating beneficiaries for that account, but the beneficiary section was left blank.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [7]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \tab 
Jessica Ann Benavente Madrazo was the Coast360 Member Relations Associate who assisted Decedent with Account 55180-402.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Madrazo was asked at trial whether Decedent expressed any wishes to include beneficiaries on that account, and Appellants-Beneficiaries made a hearsay objection that was overruled.}{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
Following the objection, Madrazo testified Decedent did not give any indication of an intended beneficiary.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Madrazo also attested that Decedent would come to Coast360 every two weeks and would request a printout for his account history for each visit.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\cs30\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s28\qj \fi720\li0\ri0\sa120\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9187316 \rtlch\fcs1 
\af37\afs20\alang1025 \ltrch\fcs0 \f37\fs20\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs30\f0\super\insrsid9187316\charrsid8269070 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 \f0\insrsid9187316\charrsid8269070  }{
\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \f0\insrsid9187316\charrsid8269070 Decedent was a Government of Guam, Department of Education auditor and \'93was particular with regard to his finances\'94 and \'93was particular about maintaining his accounts.\'94  }{
\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \f0\insrsid9187316 RA, tab 26 at 3-4}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \f0\insrsid9187316\charrsid8269070  (Finds. Fact & Concl. L}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \f0\insrsid9187316 .}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 
\f0\insrsid9187316\charrsid8269070 ) (citing Tr. at 35 (Bench Trial, July 14, 2014)}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \f0\insrsid9187316 )}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \f0\insrsid9187316\charrsid8269070 .}}}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [8]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \tab 
Erin Meno, another Member Relations Associate at Coast360, testified she assisted Decedent with opening account numbers 55180-403, 55180-404, and 55180-405.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 When shown the Member Information Form for 55180-0403, Meno attested to the fact that
 she asked Decedent whether he wanted to include a beneficiary for the account, but noted the Membership Information form indicated no beneficiaries.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Appellants-Beneficiaries objected to a previous similar question to Meno as speculative, and she testified
 that Decedent provided no information with respect to account ownership meant he did not want a joint or any other beneficiary at that time.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 The court}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s ruling on the objection is unclear, because defense counsel immediately rephrased the question.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 A similar question and response was elicited for 55180-404.}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \cs30\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \chftn {\footnote \ltrpar \pard\plain \ltrpar\s28\qj \fi720\li0\ri0\sa120\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9187316 
\rtlch\fcs1 \af37\afs20\alang1025 \ltrch\fcs0 \f37\fs20\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {\rtlch\fcs1 \af0 \ltrch\fcs0 \cs30\f0\super\insrsid9187316\charrsid8269070 \chftn }{\rtlch\fcs1 \af0 \ltrch\fcs0 
\f0\insrsid9187316\charrsid8269070   Meno\rquote s testimony refers to 55180-040 and appears to leave off the last four, but this is presumably a mistake referring to 55180-0404.  }{\rtlch\fcs1 \af0 \ltrch\fcs0 \i\f0\insrsid9187316\charrsid8269070 See}{
\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \f0\insrsid9187316\charrsid8269070  Tr. at }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \f0\insrsid9187316 9-}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \f0\insrsid9187316\charrsid8269070 
10 (Bench Trial, July 15, 2014).  This is supported by the reference to People\rquote s Exhibit \'93}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \f0\insrsid9187316 O}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \f0\insrsid9187316\charrsid8269070 ,\'94
 which was the Member Application for Member No. 55180, CU Jumbo Time Share 404. }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \f0\cf6\insrsid9187316\charrsid6502428  }{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \f0\insrsid9187316\charrsid11552894 RA, tab 17 at Ex. }{
\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \f0\insrsid9187316 O}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \f0\insrsid9187316\charrsid11552894 , (White\rquote s Ex}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \f0\insrsid9187316 .}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 
\f0\insrsid9187316\charrsid11552894  List, Member Info}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \f0\insrsid9187316 .}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \f0\insrsid9187316\charrsid11552894  Form for 55180-40}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \f0\insrsid9187316 
4, June 13, 2012}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \f0\insrsid9187316\charrsid11552894 ).}}}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 When questioned whether Meno recalled asking Decedent about beneficiaries when opening 5180-0405, she indicated she did recall asking, and that Decedent provided no beneficiaries.}{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
A leading objection was sustained to the question: }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
Finally, Ms. Meno, isn}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
t it true that when an account member comes in, at any point in time he can always or she can always change who she wishes or he wishes to designate as a beneficiary on their account?}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 " }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Tr. at 11 (Bench Trial, July 15, 2014).}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
Meno was, however, permitted to state that a member could change their beneficiary at any time.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [9]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \tab 
Coast360 generated a summary printout (}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
Summary Report}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
) dated March 31, 2007, the date of the Instrument, entitled }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Mr. Ernesto Sales Updated Beneficiary for All Account Number 8065 and 55180.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 " }{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 RA, tab 17 at Ex. K (White}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s Ex. List, Summ. Report, Mar. 31, 2007); Tr. at 15-17 (Bench Trial, July 10, 2014); RA, tab 1 at Ex. 1 (Summ. Report, Mar. 31, 2007).}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 White, the Administrator of Decedent}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s Estate, found the Summary Report in Decedent}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s dining room when looking for relevant evidence of Decedent}{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s assets.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [10]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \tab 
Shortly after the Decedent}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
s death, Appellants-Beneficiaries Duenas and Ramiro went to Coast360 and were given a form listing five names as beneficiaries.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 A}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
couple of months later, Duenas and Ramiro returned to Coast360 and were instructed by the bank to withdraw the balance from account 8065 consisting of $79,348.54, and to deposit it into account 55180-001.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Coast360 issued checks in the amounts of $5,066.64 and $15,869.80 to Duenas. }{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [11]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \tab 
Funds were then transferred from the various subaccounts into 55180-001.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 In particular, $120,092.00 was transferred from 55180-0003 on June 4, 2013; $125,854.13 was transferred
 from 55180-0401 on June 12, 2013; $86,236.67 was transferred from 55180-0402 on June 12, 2013; $111,705 was transferred from 55180-0403 on June 13, 2013; $111,705.00 was transferred from 55180-0404 on June 13, 2013; $111,705.00 was transferred from 55180
-0405 on June 13, 2013; and $126,732.00 was transferred from 55180-0004 on June 30, 2013).}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [12]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \tab 
Appellants-Beneficiaries filed suit against White and Coast360 as defendants, seeking declaratory relief with respect to the }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 rights and interest of the parties in connection with the funds.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 " }{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 RA, tab 1 at 3 (Compl., Aug. 16, 2013).}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Coast360 submitted a check to the Superior Court of Guam in the amount of $801,512.91, and was dismissed from the lawsuit.}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 A bench trial followed, and the court considered extrinsic e
vidence to determine ambiguities regarding whether }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Decedent intended to update[] just account 55180-001 as indicated by the language }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 suffix 1}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  or to all subaccounts as indicated by the language }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Add Beneficiary All Account.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '" }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 RA, tab 26 at 6 (Finds. Fact & Concl. L.).}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Appellants-Beneficiaries }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 presented no witnesses to indicate Decedent}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s specific intent to add the five beneficiaries to all the subaccounts of 55180.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 " }{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Id.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  at 7.}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
Appellants-Beneficiaries relied exclusively on only two exhibits: (1) the Instrument and (2) the accompanying Summary Report.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [13]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \tab 
The court concluded Appellants-Beneficiaries were entitled only to the assets within account 8065, all subaccounts under 8065, and Account No. 55180-001.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 The assets transferred into 55180-001 after Decedent}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
s death, and any monies left over in the subaccounts under Account No. 55180 that were not in account 55180-001 were provided to White as Administrator of Decedent}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s Estate.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [14]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \tab 
Judgment was entered, and Appellants-Beneficiaries timely appealed.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
\par }\pard\plain \ltrpar\s16\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5834118\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f37\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 II.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 JURISDICTION
\par }\pard\plain \ltrpar\s27\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9187316 \rtlch\fcs1 \af37\afs22\alang1025 \ltrch\fcs0 \f37\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\chshdng0\chcfpat0\chcbpat8\langnp2057\ulc0\insrsid9187316\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 [15]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 \tab }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\chshdng0\chcfpat0\chcbpat8\langnp2057\ulc0\insrsid9187316\charrsid9051857 This court has jurisdiction over appeals from a final judgment.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\chshdng0\chcfpat0\chcbpat8\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\chshdng0\chcfpat0\chcbpat8\langnp2057\ulc0\insrsid9187316\charrsid9051857 48 U.S.C.A. \'a7
 1424-1(a)(2) (Westlaw through Pub. L. 114-114 (2015)); }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 7 GCA \'a7\'a7 3105, 3107(b), 3108(a), 25102(a) (2005).}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid5834118\charrsid9051857 
\par }\pard\plain \ltrpar\s16\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5834118\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f37\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 III.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 STANDARD OF REVIEW
\par }\pard \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid9187316\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 

\par }\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9187316 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f37\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [16]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \tab }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 D}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 ifferent standards of review are applicable to }{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 a trial court}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
s factual findings based on parol evidence after the court has determined that the contract language is ambiguous.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 " }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Calomiris v. Woods}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 , 727 A.2d 358, 363 (Md. 1999).}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 The initial determination of ambiguity is reviewed }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 de novo}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 , but }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 the clearly erroneous standard comes into play only after the trial court}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s finding of ambiguity is upheld.}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 " }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Id.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 We have said }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
[a] finding is clearly erroneous when although there is evidence to support it, the reviewing court . . . is left with the definite and firm conviction that a mistake has been committed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  upon reviewing }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 the entire evidence.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 " }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Fargo Pac., Inc. v. Korando Corp.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 , 2006 Guam 22 \'b6 22 (citing }{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 United States v. U.S. Gypsum Co.}{
\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  333 U.S. 364, 395 (1948)).}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [17]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \tab }{\rtlch\fcs1 
\ai\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Where a party fails to object to the trial court}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 
\ai\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s admission of evidence, we review the issue for plain error.}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }
{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 See E.C. Dev., Ltd. v. Gen. Conference Corp. of Seventh-Day Adventist}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  2005 Guam 9 \'b6 55.
\par //
\par //
\par }\pard\plain \ltrpar\s16\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5834118\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f37\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 IV.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 ANALYSIS
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5834118\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5834118 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 A.}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Whether the Court Properly Determined that Decedent}{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
s Interlineations on the Instrument were Ambiguous}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 
\par }\pard \ltrpar\s16\ql \fi-504\li504\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin504\itap0\pararsid9187316 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
\par }\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9187316 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f37\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [18]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \tab 
Appellants-Beneficiaries argue the trial court erroneously determined that the Instrument was ambiguous.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Appellants}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  Br. at 13 (May 5, 2015).}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 As they believe the Instrument was unambiguous, they contend the trial court erred in considering extrinsic evidence.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Id.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  at 13 (citing }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Wasson v. Berg}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 , 2007 Guam 16 \'b6 17).}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 White counters that the trial court correctly determined the Instrument was ambiguous, and properly looked to extrinsic evidence to interpret the Decedent}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s ambiguous instructions.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Appellee}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s Br. at 13 (June 3, 2015).}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
\par }\pard\plain \ltrpar\s27\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9187316 \rtlch\fcs1 \af37\afs22\alang1025 \ltrch\fcs0 \f37\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 [19]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 \tab }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 The question of whether a provision within an agreement is ambiguous is a question of law.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Bank of Guam v. Flores}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 , 2004 Guam 25 \'b6 14 (citing }{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
E.M. Chen & Assocs., Inc. v. Lu Island Dev., Inc.}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  Civ. No. 93-00017A, 1993 WL 469348, at *3 (D. Guam App. Div. Oct. 21, 1993)).}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 When a contract is }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 capable of two different reasonable interpretations}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  on its face, it is ambiguous.}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Id.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 However, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
the intent of the parties to a contract is generally, and whenever possible, restricted by the plain meaning of the contract terms.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 " }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Wasson}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 , 2007 Guam 16 \'b6
 10 (citing }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Camacho v.}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 
\i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  Camacho}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  1997 Guam 5 \'b6 33; 18 GCA \'a7 87104 (2005)).}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid5834118\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 [20]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 \tab 
Under }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 6 GCA \'a7 2511, an agreement reduced to writing is deemed to be the whole agreement of the parties containing all essential terms.}
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 6 GCA \'a7 2511 (2005).}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
Consequently, no evidence of the terms other than the content of the writing is admissible unless: (1) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 a mistake or imperfection of the writing is put in issue by the pleadings;}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 
"}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  or when (2) }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 the validity of the agreement is the fact in dispute.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 " }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Id.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Moreover, evidence which }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 explain[s] an extrinsic ambiguity,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  or is admitted to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 establish illegality or fraud}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  is admissible.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Id.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 ; }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 see also Torres v. Torres}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 , 2005 Guam 22 \'b6 28.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Deeds, wills, and contracts between parties are included within the term }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 agreement.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 " }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 6 GCA \'a7 2511.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Extrinsic evidence is also permissible when interpreting ambiguous trust instruments:}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid5834118\charrsid9051857 
\par }\pard \ltrpar\s27\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid9187316 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
The written trust instrument creating a trust, if certain and definite in its contents, is the best evidence of the intention and meaning of the parties, and unless necessity arising from excusable inability to produce such inst
rument exists, secondary proof is not admissible. . . .}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 [E]xtrinsic evidence is admissible to clarify the terms of a trust or remove ambiguities,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\cs20\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
particularly when there is a patent ambiguity in the trust instrument,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \cs20\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 such as any ambiguities regarding the settlor}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 s intent to create a trust.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Extrinsic evidence, under these circumstances, may be admitted but used only to explain, and not to contradict, the instrument. }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid5834118\charrsid9051857 
\par }\pard \ltrpar\s27\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9187316 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 76 Am. Jur. 2d }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Trusts}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  \'a7
 635 (2015) (footnotes omitted).}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
Thus, extrinsic evidence can be considered if we determine the Instrument at issue is ambiguous due to its trust-like nature as a payable on death instrument.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\cs30\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 \chftn {\footnote \ltrpar \pard\plain \ltrpar\qj \fi720\li0\ri0\sa120\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9187316 
\rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f37\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \cs30\f0\fs20\super\insrsid9187316\charrsid8269070 \chftn }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\insrsid9187316\charrsid8269070   }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\insrsid9187316 Appellants-Beneficiaries}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\insrsid9187316\charrsid8269070  refer to the Instrument as a \'93trust instrument.
\'94  Appellants\rquote  Br. at 14 n.4.  They contend the document resulted in a \'93Totten Trust\'94 because it is payable to beneficiaries upon the death of the account holder.  Black\rquote s Law }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\insrsid9187316 D}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\insrsid9187316\charrsid8269070 ictionary defines a \'93Totten Trust\'94 as}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\insrsid9187316 :}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\insrsid9187316\charrsid8269070  }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\insrsid9187316 
\par }\pard \ltrpar\qj \li720\ri720\sa120\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin720\lin720\itap0\pararsid9187316 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\insrsid9187316 A}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\insrsid9187316\charrsid8269070  revocable trust created by one\rquote s deposit of money, typically in a savings account, in the depositor\rquote s name as trustee for another.  A Totten trust is an early form of }{\rtlch\fcs1 \af0\afs20 
\ltrch\fcs0 \f0\fs20\insrsid9187316 \lquote }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\insrsid9187316\charrsid8269070 pay on death}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\insrsid9187316 \rquote }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\insrsid9187316\charrsid8269070  account, since it creates no interest in the beneficiary unless the account remained at the depositor\rquote s death.}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\insrsid9187316 
\par }\pard \ltrpar\qj \li0\ri0\sa120\widctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9187316 {\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \i\f0\fs20\insrsid9187316\charrsid7021523 Trust}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 
\f0\fs20\insrsid9187316 , }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\insrsid9187316\charrsid7021523 Black}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\insrsid9187316 \rquote }{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\insrsid9187316\charrsid7021523 s
}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\insrsid9187316\charrsid8269070  Law Dictionary (}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\insrsid9187316 10}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\insrsid9187316\charrsid8269070 th ed. 20}{
\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\insrsid9187316 1}{\rtlch\fcs1 \af0\afs20 \ltrch\fcs0 \f0\fs20\insrsid9187316\charrsid8269070 4).}}}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid5834118\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 [21]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 \tab }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Moreover, Decedent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 s agreement with Coast360 (i.e., the Instrument) should be viewed as a whole }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
so as to give effect to every part, if reasonably practicable, each clause helping to interpret the other.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 " }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 18 GCA \'a7 87107 (2005); }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 see also Gov}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
t of Guam v. Pacificare Health Ins. Co. of Micronesia}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 , 2004 Guam 17 \'b6 73 (an agreement }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
must be viewed as a whole, with each provision interpreted in light of each other, so as to give effect to every part, if reasonably practicable.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 When the intent is clear, the court must give effect to that intent.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  (citations and footnote omitted)).}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid5834118\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 [22]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 \tab 
Here, the court considered extrinsic evidence upon finding the Decedent}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 s intent was ambiguous as to whether }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Decedent intended to update just account 55180-001 as indicated by the language }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 suffix 1}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  or to all subaccounts as indicated by the language }{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Add Beneficiary All Account.}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '" }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 RA, tab 26 at 6 (Finds. Fact & Concl. L.).
}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
Appellants-Beneficiaries disagree and maintain that t}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 he form and structure of the Instrument, coupled with Decedent}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
s interlineations, demonstrate Decedent intended the Instrument to apply to all the accounts listed on any of the lines, including all accounts with the suffix }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 1.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 " }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Appellants}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  Br. at 13.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
Decedent is identified by his member numbers 8065 and 55180 at the top of the Instrument}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 s first page.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Appellants}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  Br. at 13; RA, tab 17 at Ex. B (Instrument).}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 The next section provides six lines to identify one or more accounts to which the Instrument will apply, and Decedent hand-wrote }{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Add Beneficiary All Account.}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 " }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Appellants}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  Br. at 14; RA, tab 17 at Ex. B (Instrument).}{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
Taken together, Appellants-Beneficiaries believe the Instrument unambiguously mandates that they should be added as beneficiaries for all present and future subaccounts for accounts 8065 and 55180.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid5834118\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 [23]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 \tab 
Appellants-Beneficiaries also argue the court improperly relied on extrinsic evidence, specifically Pido}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 s testimony, to find ambiguity within the Instrument.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Appellants}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  Reply Br. at 4 (Aug. 17, 2015).}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 They contend only the }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 modern approach}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  to contract interpretation permits an ambiguity to be found through extrinsic evidence, which is contrary to Guam}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 s adherence to the }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 traditional approach.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 " }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 See }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Wasson}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 , 2007 Guam 16 \'b6 13 (}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
[T]he modern approach does not require the court to make a threshold finding as a matter of law that some ambiguity exists.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  (citations omitted)).}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 In }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Wasson}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 , we adopted the traditional approach, requiring courts to look }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 to the four corners of the contract and determine whether, as a matter of law, any ambiguity exists.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 " }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Id.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  \'b6\'b6 11, 17 (citations omitted).}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Appellants-Beneficiaries assert the court should consider extrinsic evidence o
nly if presented with a facially ambiguous document and that there was no such ambiguity within the Instrument.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid5834118\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 [24]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 \tab 
White contends that Appellants-Beneficiaries fail to explain the significance of the circled numeral }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 1}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  next to the printed word }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 suffix.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 " }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Appellee}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 s Br. at 14.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Although Appellants-Beneficiaries stress that the language }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Add Beneficiary All Account}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  language is unambiguous, White urges that these words }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
must be read in conjunction with the interlineated text immediately above them \endash  specifically, the circled numeral }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 1}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  next to the printed word }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 suffix,}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  appearing directly below the listing of account number 55180.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 " }{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Id.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
 at 13-14; RA, tab 17 at Ex. B (White}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 s Ex. List, Instrument).}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 T}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 he circled }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 1}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  next to }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 suffix,}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  verified by the Decedent}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 s interlineated initials, is a }{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 stubborn fact}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  that cannot be ignored.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Appellee}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 s Br. at 14.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Interpreting the circled }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 1}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
 as mere surplusage is antithetical to principles of contract construction that require courts to }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 give significance to every word of a contract, when possible, and avoid an interpretation that renders a word surplusage.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 " }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 See In re Tobacco Cases I}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 , 111 Cal. Rptr. 3d 313, 318 (Ct. App. 2010) (citation omitted); }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 see also }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Appellee}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 s Br. at 15.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid5834118\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 [25]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 \tab }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
White analogizes this case to other jurisdictions which have permitted a court to look to extrinsic evidence concerning bank account ambiguities.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Appellee}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 s Br. at 17-18.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 For example, in }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Kemp v. Rawlings}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 , a South Carolina probate court considered extrinsic evidence upon determining a latent ambiguity was present in decedent}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 s will.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 594 S.E.2d 845, 849 (S.C. 2004).}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
The will bequeathed joint bank or joint savings accounts appellant and decedent }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 have.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 " }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Id.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 The word }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 have}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 created an ambiguity regarding whether }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 the accounts at issue }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 were the accounts they had at the time the will was executed, or whether he intended to leave any joint bank account to appellant.}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 " }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Id.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 The Supreme Court of South Carolina determined it was prop
er to admit extrinsic evidence of decedent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 s intent.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Id.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid5834118\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 [26]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 \tab }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Likewise, in }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
Evans v. First National Bank of Bellville}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 , the main issue was whether certificates of deposit (}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 CDs}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 ) were covered by a time deposit signature card designating a 
joint tenancy with a right of survivorship.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 946 S.W.2d 367, 370 (Tex. App. 1997).}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Although the card appeared facially unambiguous, a latent ambiguity arose }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
when [the court] attempt[ed] to apply its language to three different CDs.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 " }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Id.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  at 375 (footnote omitted).}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
Because the time deposit signature card was ambiguous in application, extrinsic evidence demonstrating decedent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 s intent to create a survivorship account was permissible to determine which CDs were subject to the survivorship agreement at issue.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Id. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 at 375.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid5834118\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 [27]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 \tab }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Similarly, }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
Parr v. Godwin}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  involved an incomplete signature card issue.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 463 So. 2d 129, 133 (Ala. 1984).}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 The incompleteness of the writing created an ambiguity because the }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
signature card was not intended to have any operative effect apart from the marking of an appropriate box indicating the nature of the account.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 " }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Id.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Accordingly, extrinsic evidence reflecting }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 a mistake on the part of Bank personnel in failure to mark the appropriate box on the card indicating an account held jointly with right of survivorship
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  was proper.}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Id.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid5834118\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 [28]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 \tab }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Like }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Kemp}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 , }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Evans}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 , and }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Parr}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 , there was ambiguity with respect to Decedent}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 s intent.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Specifically, an ambiguity exists within the Instrument as to }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 
"}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 whether Decedent intended to update just account 55180-001 as indicated by the language }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 suffix 1}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  or to all subaccounts as indicated by the language }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Add Beneficiary All Account.}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 " }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 RA, tab 26 at 6 (Finds. Fact & Concl. L.).}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
This finding of ambiguity by the trial court was not dependent on Pido}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 s extrinsic testimony.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Therefore, when the Instrument is examined in its entirety, the trial court was correct in determining it was ambiguous.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 We must now determine whether the trial court}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
s factual findings with respect to that ambiguity were clearly erroneous.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid5834118\charrsid9051857 
\par }\pard\plain \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9187316\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f37\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 B.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Whether the Trial Court}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s Factual Findings were Erroneous}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
\par }\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9187316 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f37\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [29]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \tab 
Appellants-Beneficiaries maintain that the trial court}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s interpretation of the Instrument was erroneous, yet they introduced little evidence at trial: }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
\par }\pard \ltrpar\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid9187316 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
Plaintiffs presented no witnesses to indicate Decedent}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s specific intent to add the five beneficiaries to all the subaccounts of 55180.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Plaintiffs [had] only submitted two exhibits into evidence, which they argue demonstrates such intent.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 The first exhibit, Plaintiffs}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
 Exhibit 1, is the March 31, 2007 member update form, which contains the ambiguous language.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 The second exhibit, Plaintiffs}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  Exhibit 2, is the March 31, 2007 summary report, on which Coast 360 [sic] representatives testified they do no [sic] rely.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
The fact that the Coast 360 [sic] representatives testified that they would have explained to the Decedent that he had the option to designate beneficiar
ies to the subaccounts, coupled with the fact that the beneficiary forms were left blank, leads the Court to conclude the Decedent did not possess the specific intent to include the beneficiaries as such on the 55180 subaccounts.}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
\par }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9187316 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 RA, tab 26 at 7-8 (Finds
. Fact & Concl. L.); }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 see also }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
Appellants}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  Br. at 13.}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 It is against this backdrop that the trial court}{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s judgment must be assessed.}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 " }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Appellee}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s Br. at 19.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
\par }\pard\plain \ltrpar\s27\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid9187316 \rtlch\fcs1 \af37\afs22\alang1025 \ltrch\fcs0 \f37\fs22\cf1\lang1033\langfe1033\cgrid\langnp1033\langfenp1033\ulc1 {
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 1.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Evidence demonstrating Decedent}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 s intent}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid5834118\charrsid9051857 
\par }\pard \ltrpar\s27\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9187316 {\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 [30]}{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 \tab A trial court}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 s}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  initial determinati
on of ambiguity is reviewed }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 de novo}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 , but }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 the clearly erroneous standard comes into play only after the trial court}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '
}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 s finding of ambiguity is upheld.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 " }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Calomiris}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
, 727 A.2d at 363.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
A finding is clearly erroneous when although there is evidence to support it, the reviewing court . . . is left with the definite and firm conviction that a mistake has been committed}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  upon reviewing }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 the entire evidence.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 " }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Fargo Pac., Inc.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 , 2006 Guam 22 \'b6 22 (citing }{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 U.S. Gypsum Co.}{
\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  333 U.S. at 395).}
{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 In making this determination, }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
the reviewing court does not substitute its judgment for the trial court}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 s.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 " }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Id. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 (citing }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 People }{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Flores}{\rtlch\fcs1 \ai\af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  2004 Guam 18 \'b6 7).}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Instead, when }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 considering whether the evidence is suffi
cient to sustain the trial court}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
s judgment,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
 an appellate court must review }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
the evidence in the light most favorable to the successful party, resolve any controverted fact in favor of the successful party, and give the successful party the benefit of every reasonable inference from the evidence.}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 " }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Id. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 \'b6 23 (citing }{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 
Guam United Warehouse Corp. v. DeWitt Transp. Serv. of Guam, Inc.}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  2003 Guam 20 \'b6 41).
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 [31]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 \tab 
Appellants-Beneficiaries argue the Summary Report, which states }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Mr. Ernesto Sales Updated Beneficiary for All Account Number 8065 and 55180,}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  can be considered part of an overall }{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 trust instrument.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 " }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Appellants}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  Br. at 15; RA, tab 17 at Ex. K (}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 White}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \ab\af0 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 s Ex. List,}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  Summ. Report).}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 To support this argument, they point to the
 fact that the document was dated March 31, 2007, the same date as the Instrument.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 " }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857 Appellants}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316\charrsid9051857  Br. at 15; RA, tab 17 at Ex. K (Summ. Report).}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid9187316 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\cf0\lang2057\langfe1033\langnp2057\ulc0\insrsid5834118\charrsid9051857 
\par }\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9187316 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f37\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [32]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \tab 
White counters that Appellants-Beneficiaries mischaracterize the meaning and significance of the Summary Report.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Appellee}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s Br. at 22.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 The trial court noted in its Findings of Fact and Conclusions of Law that Pido testified the printout was merely }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 internal comments that are used to assist our staff members.}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 " }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 RA, tab 26 at 7 (Finds. Fact & Concl. L.)
; Tr. at 42 (Bench Trial, July 10, 2014).}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
Appellants-Beneficiaries failed to present any contrary evidence.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 See}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  RA, tab 26 at 7-8 (Finds. Fact & Concl. L.).}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 No witnesses indicating Decedent}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s specific intent to add Appellants-Beneficiaries to the subaccoun
ts of 55180 was presented during their case.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
Id.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  at 7-8.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Only two exhibits, namely (1) the ambiguous member update form (i.e., the Instrument), and (2) the Summary Report, were introduced.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Id. }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 at 7-8.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Furthermore, White highlights that Appellants-Beneficiaries presented no evidence that the Summary Report was part of the Instrument.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Appellee}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s Br. at 23.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 The Summary Report was not executed or generated by Decedent.}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [33]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \tab This court }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 must review }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 the evidence in the light most favorable to the suc
cessful party, resolve any controverted fact in favor of the successful party, and give the successful party the benefit of every reasonable inference from the evidence.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 " }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Fargo Pac., Inc.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 , 2006 Guam 22 \'b6 23 (citation omitted).}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 The only evidence presented as to the nature of the Summary Report was bank employee testimony describing it as merely }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 internal comments.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 " }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 RA, tab 26 at 7 (Finds. Fact & Concl. L.); Tr. at 42 (Bench Trial, July 10, 2014).}{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Furthermore, evidence in the reco
rd shows that Decedent had the opportunity to designate beneficiaries when he opened those new accounts, yet declined to do so.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 RA, tab 26 at 2-3 (Finds. Fact & Concl. L.); Tr. at 45-46 (Bench Trial, July 14, 2014); Tr. at 8-11 (Bench Trial, July 15, 2014).}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
Madrazo and Meno attested to their personal knowledge regarding whether Decedent wished to designate beneficiaries on after-acquired accounts and observations that the forms for these accounts did not enumerate beneficiaries.}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 See }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Tr. at 44-45 (Bench Trial, July 14, 2014); Tr. at 8-11 (Bench Trial, July 15, 2014).}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Appellants-Beneficiaries presented no conflicting evidence.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Appellee}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s Br. at 24.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [34]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \tab 
It was not clear error to determine the Summary Report was irrelevant to whether the Decedent intended to update just account 55180 as indicated by the language }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 suffix 1,}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  or to all subaccounts as indicated by the language }{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Add Beneficiary All Account.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 " }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 We cannot substitute our judgment for the trial court}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 See Fargo Pac., Inc.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 , 2006 Guam 22 \'b6 22 (citation omitted).}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Thus, t}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
he decision to award only Plaintiffs the assets in Account No. 8065, all subaccounts under 8065, and all assets within Account No. 55180-001 at the time of Decedent}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s death was not clearly erroneous.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 See }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 RA, tab 26 at 2-3 (Finds. Fact & Concl. L.).}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
\par }\pard\plain \ltrpar\s16\ql \li720\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin720\itap0\pararsid9187316\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f37\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 2.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Admission of bank employee testimony}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
\par }\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9187316 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f37\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [35]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \tab }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 When a party fails to object to a trial court action }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 at any point after the lower court issued its Decision and Order, or after the judgment was issued,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  then }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [s]uch inaction, under general circumstances, amounts to a waiver of this issue.}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Tanaguchi-Ruth + Assocs. v. MDI Guam Corp}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 ., 2005 Guam 7 \'b6
 77 (citations omitted).}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
Accordingly, a plain error analysis is appropriate when a trial court admits testimony and where a party failed to object to such admission.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 See }{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 E.C. Dev.}{\rtlch\fcs1 \ai\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  2005 Guam 9 \'b6 55.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 This court views a plain error analysis with deference to the trial court.}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Id.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  "}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 O
nly where there is such plain error apparent on the face of the record that failure to review would result in a manifest miscarriage of justice should the appellate court analyze the evidence.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '" }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Id. }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 (quoting }{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Gutierrez v. Charfauros}{\rtlch\fcs1 \ai\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  2002 Guam \'b6 39;}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  People v. Perez}{\rtlch\fcs1 \ai\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 ,}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  1999 Guam 2 \'b6 21).}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\ul\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [36]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \tab 
In addition to the allegation that the trial court improperly used bank employee testimony to find an }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 ambiguity}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  as discussed above, Appellants-Beneficiaries also
 contend it was clearly erroneous to use this testimony to establish that Decedent intended to include only subaccount 001 with respect to account 55180.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Reply Br. at 4; Appellants}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  Br. at 17.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 In their view, the bank employee testimony regarding the meaning of the instrument should be rejected as it was }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 legal analysis and a usurpation of the function of the courts.}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 " }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Appellants}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  Br. at 18. }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [37]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \tab 
Appellants-Beneficiaries never made an }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
ultimate outcome}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 "}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
 objection to the testimony of Coast360 employees.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Appellee}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s Br. at 25;}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  see also }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Tr. at 14-16 (Bench Trial, July 10, 2014); Tr. at 44-46 (Bench Trial, July 14, 2014); Tr. at 8-11 (Bench Trial, July 15, 2014).}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Not only did Appellants}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  counsel fail to object to testimony regarding the Coast360 representatives, 
but he specifically asked Pido for her interpretation of the instruments on direct examination.}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Tr. at 15 (Bench Trial, July 10, 2014).}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Thus, Appellants-Beneficiaries waived the objection, and their challenge to the testimony on appeal must be reviewed under a plain error analysis.}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
\par }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [38]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \tab 
Appellants-Beneficiaries did not address whether admission of the bank employee testimony would result in a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  miscarriage of justice on appeal.}{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 See E.C. Dev.}{\rtlch\fcs1 \ab\af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 , 2005 Guam 9 }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \'b6 55.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Appellants-Beneficiaries failed to establish that the trial court}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s consideration of the bank employees}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
 testimony was a miscarriage of justice resulting in plain error.
\par //
\par //
\par }\pard\plain \ltrpar\s16\qc \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5834118\contextualspace \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f37\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 V.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 CONCLUSION
\par }\pard \ltrpar\s16\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5834118\contextualspace {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 
\par }\pard\plain \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid9187316 \rtlch\fcs1 \af0\afs22\alang1025 \ltrch\fcs0 \f37\fs22\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 [39]}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 \tab }{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 The trial court correctly determined that the Instrument was ambiguous.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Moreover, viewing the entirety of the evidence, we are not left with the definite and firm conviction that the trial court}{\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s findings of fact were mistaken.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Hence, t}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 he decision to award Appellants-Beneficiaries the assets in Account No. 8065, all subaccounts under 8065, and all assets within Account No. 55180-001 at the time of Decedent}{
\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s death was not clearly erroneous.}{\rtlch\fcs1 
\ab\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Finally, because }{\rtlch\fcs1 \ab\af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 Appellants-Beneficiaries did not address whether admission of the bank employee testimony would result in a}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  miscarriage of justice, they have failed to establish plain error.}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316  }{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 For the foregoing reasons, we }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \b\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 AFFIRM}{\rtlch\fcs1 
\af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857  the trial court}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 '}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316\charrsid9051857 s judgment.
\par 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid9187316 
\par \ltrrow}\trowd \irow0\irowband0\ltrrow\ts41\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5834118\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 
\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4788\clshdrawnil \cellx4680\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl 
\cltxlrtb\clftsWidth3\clwWidth4788\clshdrawnil \cellx9468\pard \ltrpar\qc \li0\ri0\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid5834118 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 
\i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 ____________________________________}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 Associate Justice}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 Associate Justice}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118 
\par \cell }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 ____________________________________}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 KATHERINE A. MARAMAN}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118 
\par }{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 Associate Justice}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118 \cell }\pard \ltrpar
\ql \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118 \trowd \irow0\irowband0\ltrrow
\ts41\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5834118\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4788\clshdrawnil \cellx4680\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth4788\clshdrawnil \cellx9468\row \ltrrow
}\trowd \irow1\irowband1\lastrow \ltrrow\ts41\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5834118\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 
\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth9576\clshdrawnil \cellx9468\pard \ltrpar\ql \li0\ri0\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid9187316 {
\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118 
\par }\pard \ltrpar\qc \li0\ri0\nowidctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\pararsid5834118 {\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 
____________________________________
\par ROBERT J. TORRES
\par Chief Justice}{\rtlch\fcs1 \af0\afs24 \ltrch\fcs0 \i\f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118\charrsid9051857 \cell }\pard \ltrpar\ql \li0\ri0\widctlpar\intbl\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\rtlch\fcs1 \af0\afs24 
\ltrch\fcs0 \f0\fs24\lang2057\langfe1033\langnp2057\insrsid5834118 \trowd \irow1\irowband1\lastrow \ltrrow
\ts41\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5834118\tbllkhdrrows\tbllkhdrcols\tbllknocolband\tblind0\tblindtype3 \clvertalt\clbrdrt\brdrtbl \clbrdrl
\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth9576\clshdrawnil \cellx9468\row }\pard \ltrpar\ql \li0\ri0\nowidctlpar\wrapdefault\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5834118 {\rtlch\fcs1 \af0 \ltrch\fcs0 
\lang1024\langfe1024\noproof\insrsid1970250 {\shp{\*\shpinst\shpleft6924\shptop105\shpright7522\shpbottom758\shpfhdr0\shpbxcolumn\shpbxignore\shpbypara\shpbyignore\shpwr3\shpwrk0\shpfblwtxt1\shpz1\shplid1026
{\sp{\sn shapeType}{\sv 202}}{\sp{\sn fFlipH}{\sv 0}}{\sp{\sn fFlipV}{\sv 0}}{\sp{\sn fLockRotation}{\sv 0}}{\sp{\sn fLockAspectRatio}{\sv 0}}{\sp{\sn fLockPosition}{\sv 0}}{\sp{\sn fLockAgainstSelect}{\sv 0}}
{\sp{\sn fLockVerticies}{\sv 0}}{\sp{\sn fLockText}{\sv 0}}{\sp{\sn fLockAdjustHandles}{\sv 0}}{\sp{\sn fLockAgainstGrouping}{\sv 0}}{\sp{\sn lTxid}{\sv 65536}}{\sp{\sn hspNext}{\sv 1026}}{\sp{\sn fRotateText}{\sv 0}}{\sp{\sn fFitShapeToText}{\sv 1}}
{\sp{\sn fFilled}{\sv 1}}{\sp{\sn fArrowheadsOK}{\sv 0}}{\sp{\sn fLine}{\sv 0}}{\sp{\sn fLockShapeType}{\sv 0}}{\sp{\sn wzName}{\sv Text Box 3}}{\sp{\sn metroBlob}{\sv {\*\svb 
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