Trademark Trial and Appeal Board Electronic Filing System. http://estta.uspto.gov
`
`ESTTA Tracking number:
`
`ESTTA733613
`
`Filing date:
`
`03/15/2016
`
`IN THE UNITED STATES PATENT AND TRADEMARK OFFICE
`BEFORE THE TRADEMARK TRIAL AND APPEAL BOARD
`
`Proceeding
`
`92056432
`
`Party
`
`Correspondence
`Address
`
`Plaintiff
`Nationwide Mutual Insurance Company
`
`JOSEPH R DREITLER
`DREITLER TRUE LLC
`19 E KOSSUTH ST
`COLUMBUS, OH 43206
`UNITED STATES
`jdreitler@ustrademarklawyer.com, mtrue@ustrademarklawyer.com, ttro-
`fino@ustrademarklawyer.com, ahilton@ustrademarklawyer.com
`
`Submission
`
`Filer's Name
`
`Filer's e-mail
`
`Signature
`
`Date
`
`Attachments
`
`Testimony For Plaintiff
`
`Mary R. True
`
`mtrue@ustrademarklawyer.com, jdreitler@ustrademarklawyer.com,
`ahilton@ustrademarklawyer.com
`
`/Mary R. True/
`
`03/15/2016
`
`Carrie Neal - Transcript - Signed.pdf(448528 bytes )
`Carrie Neal - Depo Exhibits 1 of 2.pdf(5737399 bytes )
`Carrie Neal - Depo Exhibits 2 of 2.pdf(4208396 bytes )
`
`
`
`ESTTA Tracking number:
`
`ESTTA733613
`
`Filing date:
`
`03/15/2016
`
`IN THE UNITED STATES PATENT AND TRADEMARK OFFICE
`BEFORE THE TRADEMARK TRIAL AND APPEAL BOARD
`
`Proceeding
`
`92056432
`
`Party
`
`Correspondence
`Address
`
`Plaintiff
`Nationwide Mutual Insurance Company
`
`JOSEPH R DREITLER
`DREITLER TRUE LLC
`19 E KOSSUTH ST
`COLUMBUS, OH 43206
`UNITED STATES
`jdreitler@ustrademarklawyer.com, mtrue@ustrademarklawyer.com, ttro-
`fino@ustrademarklawyer.com, ahilton@ustrademarklawyer.com
`
`Submission
`
`Filer's Name
`
`Filer's e-mail
`
`Signature
`
`Date
`
`Attachments
`
`Testimony For Plaintiff
`
`Mary R. True
`
`mtrue@ustrademarklawyer.com, jdreitler@ustrademarklawyer.com,
`ahilton@ustrademarklawyer.com
`
`/Mary R. True/
`
`03/15/2016
`
`Carrie Neal - Transcript - Signed.pdf(448528 bytes )
`Carrie Neal - Depo Exhibits 1 of 2.pdf(5737399 bytes )
`Carrie Neal - Depo Exhibits 2 of 2.pdf(4208396 bytes )
`
`
`
` 1
`
` IN THE UNITED STATES PATENT AND TRADEMARK OFFICE
`BEFORE THE TRADEMARK TRIAL AND APPEAL BOARD
`
`
`IN THE MATTER OF: TRADEMARK REGISTRATION
`No. 3,600,581 - NATIONWIDE REALTY
`
`DATE OF REGISTRATION: March 31, 2009
`
` -
`
` - - - - - - - - - - - - - - -X
`NATIONWIDE MUTUAL INSURANCE :
`COMPANY, :
` :
` Petitioner, :
` : Petition to Cancel
`vs : 92056432
` :
`NATIONWIDE REALTY, LLC, :
` :
` Registrant. :
`- - - - - - - - - - - - - - - -X
`
`
`
` DEPOSITION OF CARRIE NEAL,
`
`taken by the Petitioner before Julie M. McCurnin,
`
`Certified Shorthand Reporter of the State of Iowa,
`
`at 1100 Locust Street, Des Moines, Iowa, commencing
`
`at 1:36 p.m., Wednesday, February 10, 2016.
`
`
`
` JULIE M. McCURNIN - CERTIFIED SHORTHAND REPORTER
`
`(cid:1)(cid:1)(cid:1)(cid:2)(cid:3)(cid:2)(cid:4)(cid:5)(cid:1)(cid:6)(cid:7)(cid:8)(cid:9)(cid:1)(cid:4)(cid:5)(cid:10)(cid:1)(cid:4)(cid:2)(cid:2)(cid:11)(cid:12)(cid:13)(cid:4)(cid:14)(cid:9)(cid:2)(cid:15)(cid:1)(cid:13)(cid:5)(cid:12)(cid:16)(cid:1)(cid:1)(cid:1)
`(cid:1)(cid:1)(cid:17)(cid:18)(cid:18)(cid:1)(cid:19)(cid:20)(cid:21)(cid:22)(cid:23)(cid:24)(cid:15)(cid:1)(cid:25)(cid:17)(cid:26)(cid:15)(cid:1)(cid:10)(cid:27)(cid:28)(cid:1)(cid:29)(cid:30)(cid:31)(cid:22)(cid:27)(cid:28)(cid:15)(cid:1)(cid:13)(cid:4)(cid:1) (cid:18)(cid:17)(cid:18)!
`" # $(cid:1)%&’(#!)%
`
`
`
` 2
`
`APPEARANCES:
`
`For the Petitioner: JOSEPH R. DREITLER, ESQ.
`(via video- Dreitler True LLC
` conference) 19 East Kossuth Street
` Columbus, Ohio 43206
`
`
`
` AMY R. GRAYEM, ESQ.
` SCOTT G. BROWN, ESQ.
` Nationwide Mutual Insurance Co.
` 1 Nationwide Plaza
` Columbus, Ohio 43215
`
`For the Registrant: KENNETH M. SMITH, ESQ.
`(via telephone) Riggs, Abney, Neal, Turpen,
` Orbison & Lewis
` 4554 S. Harvard Avenue, Ste. 200
` Tulsa, Oklahoma 74135
`
`
`
`
`(cid:1)(cid:1)(cid:1)(cid:2)(cid:3)(cid:2)(cid:4)(cid:5)(cid:1)(cid:6)(cid:7)(cid:8)(cid:9)(cid:1)(cid:4)(cid:5)(cid:10)(cid:1)(cid:4)(cid:2)(cid:2)(cid:11)(cid:12)(cid:13)(cid:4)(cid:14)(cid:9)(cid:2)(cid:15)(cid:1)(cid:13)(cid:5)(cid:12)(cid:16)(cid:1)(cid:1)(cid:1)
`(cid:1)(cid:1)(cid:17)(cid:18)(cid:18)(cid:1)(cid:19)(cid:20)(cid:21)(cid:22)(cid:23)(cid:24)(cid:15)(cid:1)(cid:25)(cid:17)(cid:26)(cid:15)(cid:1)(cid:10)(cid:27)(cid:28)(cid:1)(cid:29)(cid:30)(cid:31)(cid:22)(cid:27)(cid:28)(cid:15)(cid:1)(cid:13)(cid:4)(cid:1) (cid:18)(cid:17)(cid:18)!
`" # $(cid:1)%&’(#!)%
`
`
`
`I N D E X
`
` 3
`
`
`WITNESS: CARRIE NEAL EXAMINATION
`
` Examination by Mr. Dreitler 4
`
`
`
`
`
`PETITIONER'S EXHIBITS FIRST REFERENCED
`
` 1 - Neal Deposition Notice 4
`
` 2 - Nationwide Advantage Mortgage 13
` website page
`
` 3 - Nationwide Bank website page 17
`
` 4 - NationWide Realty website page 20
`
` 5 - Phoenix Asset Management website page 26
`
` 6 - Master Services Agreement 27
`
` 7 - REO Listing Contract 30
`
` 8 - Real Estate Purchase Contract 32
`
` 9 - NationWide Realty Client List 35
`
`10 - Castlerock REO website page 38
`
`11 - REO Solutions website page 39
`
`12 - Nationstar Mortgage website page 41
`
`13 - REO Experts website page 42
`
`14 - ServiceLink website page 44
`
`(cid:1)(cid:1)(cid:1)(cid:2)(cid:3)(cid:2)(cid:4)(cid:5)(cid:1)(cid:6)(cid:7)(cid:8)(cid:9)(cid:1)(cid:4)(cid:5)(cid:10)(cid:1)(cid:4)(cid:2)(cid:2)(cid:11)(cid:12)(cid:13)(cid:4)(cid:14)(cid:9)(cid:2)(cid:15)(cid:1)(cid:13)(cid:5)(cid:12)(cid:16)(cid:1)(cid:1)(cid:1)
`(cid:1)(cid:1)(cid:17)(cid:18)(cid:18)(cid:1)(cid:19)(cid:20)(cid:21)(cid:22)(cid:23)(cid:24)(cid:15)(cid:1)(cid:25)(cid:17)(cid:26)(cid:15)(cid:1)(cid:10)(cid:27)(cid:28)(cid:1)(cid:29)(cid:30)(cid:31)(cid:22)(cid:27)(cid:28)(cid:15)(cid:1)(cid:13)(cid:4)(cid:1) (cid:18)(cid:17)(cid:18)!
`" # $(cid:1)%&’(#!)%
`
`
`
` 4
`
` 1
`
`P R O C E E D I N G S
`
` 2
`
` (Petitioner's Exhibits 1 - 14
`
` 3
`
` 4
`
` 5
`
` were marked for
`
` identification.)
`
` CARRIE NEAL,
`
` 6
`
`called as a witness by the Petitioner, being first
`
` 7
`
`duly sworn by the Certified Shorthand Reporter, was
`
` 8
`
`examined and testified as follows:
`
` 9
`
` EXAMINATION
`
`10
`
`BY MR. DREITLER:
`
`11
`
`Q.
`
`Good afternoon, Ms. Neal. My name is Joe
`
`12
`
`Dreitler. I represent Nationwide Mutual Insurance
`
`13
`
`Company in the matter of Nationwide Mutual Insurance
`
`14
`
`Company, Petitioner, versus NationWide Realty, LLC,
`
`15
`
`in Case No. 92056432, before the Trademark Trial and
`
`16
`
`Appeal Board.
`
`17
`
`I'd ask you to look at what the court
`
`18
`
`reporter has marked as Exhibit 1.
`
`19
`
`Do you see it identified as Amended Notice
`
`20
`
`of Testimony Deposition of Carrie Neal?
`
`A.
`
`Q.
`
`A.
`
`Q.
`
`21
`
`22
`
`23
`
`24
`
`25
`
`Yes, I do.
`
`Have you seen that document before today?
`
`Yes, I have.
`
`Okay.
`
`And is the reason you are here today is
`
`(cid:1)(cid:1)(cid:1)(cid:2)(cid:3)(cid:2)(cid:4)(cid:5)(cid:1)(cid:6)(cid:7)(cid:8)(cid:9)(cid:1)(cid:4)(cid:5)(cid:10)(cid:1)(cid:4)(cid:2)(cid:2)(cid:11)(cid:12)(cid:13)(cid:4)(cid:14)(cid:9)(cid:2)(cid:15)(cid:1)(cid:13)(cid:5)(cid:12)(cid:16)(cid:1)(cid:1)(cid:1)
`(cid:1)(cid:1)(cid:17)(cid:18)(cid:18)(cid:1)(cid:19)(cid:20)(cid:21)(cid:22)(cid:23)(cid:24)(cid:15)(cid:1)(cid:25)(cid:17)(cid:26)(cid:15)(cid:1)(cid:10)(cid:27)(cid:28)(cid:1)(cid:29)(cid:30)(cid:31)(cid:22)(cid:27)(cid:28)(cid:15)(cid:1)(cid:13)(cid:4)(cid:1) (cid:18)(cid:17)(cid:18)!
`" # $(cid:1)%&’(#!)%
`
`
`
` 1
`
`because you were served with a copy of this notice
`
` 2
`
`of testimony deposition?
`
` 5
`
` 3
`
` 4
`
` 5
`
`A.
`
`Q.
`
`Yes.
`
`Okay.
`
`Okay. Just before we get started, I'd
`
` 6
`
`just like -- a little bit as far as a few things,
`
` 7
`
`ground rules. If at any time that you want to take
`
` 8
`
`a break, to let me know, and as long as there's not
`
` 9
`
`a question pending from Mr. Smith, you can take a
`
`10
`
`break or ask for a break and we'll take a break.
`
`11
`
`I'd ask that you please let me finish my
`
`12
`
`question and Mr. Smith finish his before you answer,
`
`13
`
`because doing this three-way can be kind of
`
`14
`
`difficult for the court reporter to get things down
`
`15
`
`if people start talking over one another.
`
`16
`
`17
`
`18
`
`19
`
`Can we agree to that?
`
`A.
`
`Q.
`
`Yes.
`
`Okay.
`
`And I would also ask that if either I or
`
`20
`
`Mr. Smith ask you a question that you don't
`
`21
`
`understand, would you please say you don't
`
`22
`
`understand it and ask me to rephrase it?
`
`23
`
`Because I want you to answer the questions
`
`24
`
`that I ask you and not what you think I'm asking
`
`25
`
`you.
`
`(cid:1)(cid:1)(cid:1)(cid:2)(cid:3)(cid:2)(cid:4)(cid:5)(cid:1)(cid:6)(cid:7)(cid:8)(cid:9)(cid:1)(cid:4)(cid:5)(cid:10)(cid:1)(cid:4)(cid:2)(cid:2)(cid:11)(cid:12)(cid:13)(cid:4)(cid:14)(cid:9)(cid:2)(cid:15)(cid:1)(cid:13)(cid:5)(cid:12)(cid:16)(cid:1)(cid:1)(cid:1)
`(cid:1)(cid:1)(cid:17)(cid:18)(cid:18)(cid:1)(cid:19)(cid:20)(cid:21)(cid:22)(cid:23)(cid:24)(cid:15)(cid:1)(cid:25)(cid:17)(cid:26)(cid:15)(cid:1)(cid:10)(cid:27)(cid:28)(cid:1)(cid:29)(cid:30)(cid:31)(cid:22)(cid:27)(cid:28)(cid:15)(cid:1)(cid:13)(cid:4)(cid:1) (cid:18)(cid:17)(cid:18)!
`" # $(cid:1)%&’(#!)%
`
`
`
` 6
`
` 1
`
` 2
`
` 3
`
`A.
`
`Q.
`
`Okay.
`
`Okay.
`
`And that's the other thing. If your
`
` 4
`
`answers -- if you could answer with whatever, but
`
` 5
`
`then answer "yes" or "no," but please don't answer
`
` 6
`
`by nodding your head or saying "uh-huh" or "huh-uh,"
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` 7
`
`because that will make the court reporter's job
`
` 8
`
`extremely difficult, and it will be very --
`
` 9
`
`impossible to read what you said.
`
`10
`
`So if you can say "yes" or "no" as opposed
`
`11
`
`to "uh-huh" or nodding. Will you agree you'll try
`
`12
`
`to do that?
`
`A.
`
`Q.
`
`13
`
`14
`
`15
`
`Yes.
`
`Great. Thank you very much.
`
`Okay. Before we get started, can you just
`
`16
`
`tell us about your educational background, please?
`
`17
`
`A.
`
`I attended some college classes. I've
`
`18
`
`worked in commercial real estate. I used to work
`
`19
`
`in -- for a number of years, probably at least six,
`
`20
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`in mobile home financing. Following that I worked
`
`21
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`as a foreclosure manager for M & I Bank, and I
`
`22
`
`worked there upwards of ten years, and I also
`
`23
`
`re-marketed their properties.
`
`24
`
`In May of 2012, I came to Nationwide, and
`
`25
`
`I serve that same purpose; I manage a foreclosure
`
`(cid:1)(cid:1)(cid:1)(cid:2)(cid:3)(cid:2)(cid:4)(cid:5)(cid:1)(cid:6)(cid:7)(cid:8)(cid:9)(cid:1)(cid:4)(cid:5)(cid:10)(cid:1)(cid:4)(cid:2)(cid:2)(cid:11)(cid:12)(cid:13)(cid:4)(cid:14)(cid:9)(cid:2)(cid:15)(cid:1)(cid:13)(cid:5)(cid:12)(cid:16)(cid:1)(cid:1)(cid:1)
`(cid:1)(cid:1)(cid:17)(cid:18)(cid:18)(cid:1)(cid:19)(cid:20)(cid:21)(cid:22)(cid:23)(cid:24)(cid:15)(cid:1)(cid:25)(cid:17)(cid:26)(cid:15)(cid:1)(cid:10)(cid:27)(cid:28)(cid:1)(cid:29)(cid:30)(cid:31)(cid:22)(cid:27)(cid:28)(cid:15)(cid:1)(cid:13)(cid:4)(cid:1) (cid:18)(cid:17)(cid:18)!
`" # $(cid:1)%&’(#!)%
`
`
`
` 7
`
` 1
`
`team as well as re-market the properties.
`
` 2
`
`Q.
`
`Okay. Let's just start at the beginning,
`
` 3
`
`if we could. And just, you said -- I believe you
`
` 4
`
`said something about you had a job initially in
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` 5
`
`commercial real estate. Is that correct?
`
` 6
`
` 7
`
`A.
`
`Q.
`
`Yes, that is correct.
`
`Okay. And who was that -- Who was that
`
` 8
`
`with; who did you work for?
`
` 9
`
`10
`
`11
`
`12
`
`A.
`
`Q.
`
`The Principal Financial Group.
`
`Okay.
`
`And who is Principal Financial Group?
`
`A.
`
`It's a large insurance company in
`
`13
`
`Des Moines, and they used to have a commercial real
`
`14
`
`estate department. If they do now, I'm not aware.
`
`15
`
`16
`
`Q.
`
`Okay.
`
`And approximately what year did you start
`
`17
`
`working for Principal Financial Group,
`
`18
`
`approximately?
`
`19
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`20
`
`21
`
`22
`
`A.
`
`1996.
`
`Or, no, excuse me. 1986.
`
`Q.
`
`1986.
`
`And approximately how long did you work at
`
`23
`
`Principal Financial Group?
`
`24
`
`25
`
`A.
`
`Q.
`
`I believe approximately four years.
`
`Okay.
`
`(cid:1)(cid:1)(cid:1)(cid:2)(cid:3)(cid:2)(cid:4)(cid:5)(cid:1)(cid:6)(cid:7)(cid:8)(cid:9)(cid:1)(cid:4)(cid:5)(cid:10)(cid:1)(cid:4)(cid:2)(cid:2)(cid:11)(cid:12)(cid:13)(cid:4)(cid:14)(cid:9)(cid:2)(cid:15)(cid:1)(cid:13)(cid:5)(cid:12)(cid:16)(cid:1)(cid:1)(cid:1)
`(cid:1)(cid:1)(cid:17)(cid:18)(cid:18)(cid:1)(cid:19)(cid:20)(cid:21)(cid:22)(cid:23)(cid:24)(cid:15)(cid:1)(cid:25)(cid:17)(cid:26)(cid:15)(cid:1)(cid:10)(cid:27)(cid:28)(cid:1)(cid:29)(cid:30)(cid:31)(cid:22)(cid:27)(cid:28)(cid:15)(cid:1)(cid:13)(cid:4)(cid:1) (cid:18)(cid:17)(cid:18)!
`" # $(cid:1)%&’(#!)%
`
`
`
` 8
`
` 1
`
`And what was your job at Principal
`
` 2
`
`Financial Group in the commercial real estate area?
`
` 3
`
`A.
`
`I mainly reviewed leases for commercial
`
` 4
`
`properties and collected commercial payments on
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` 5
`
`mortgages.
`
` 6
`
` 7
`
`Q.
`
`Okay.
`
`And were these all commercial leases or
`
` 8
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`were they residential, or were they a mixture; what
`
` 9
`
`were they?
`
`A.
`
`Q.
`
`10
`
`11
`
`12
`
`It was solely commercial building space.
`
`Okay.
`
`And your next job after Principal
`
`13
`
`Financial Group was with whom?
`
`14
`
`A.
`
`Related to real estate or not related to
`
`15
`
`real estate?
`
`16
`
`I worked for a very short -- I worked for
`
`17
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`a very short time for a security company, collecting
`
`18
`
`for payments that are past due --
`
`19
`
`20
`
`21
`
`22
`
`Q.
`
`A.
`
`Q.
`
`Okay.
`
`-- probably five years.
`
`Okay.
`
`And did that job have anything to do with
`
`23
`
`real estate at all?
`
`24
`
`25
`
`A.
`
`Q.
`
`No.
`
`Okay.
`
`(cid:1)(cid:1)(cid:1)(cid:2)(cid:3)(cid:2)(cid:4)(cid:5)(cid:1)(cid:6)(cid:7)(cid:8)(cid:9)(cid:1)(cid:4)(cid:5)(cid:10)(cid:1)(cid:4)(cid:2)(cid:2)(cid:11)(cid:12)(cid:13)(cid:4)(cid:14)(cid:9)(cid:2)(cid:15)(cid:1)(cid:13)(cid:5)(cid:12)(cid:16)(cid:1)(cid:1)(cid:1)
`(cid:1)(cid:1)(cid:17)(cid:18)(cid:18)(cid:1)(cid:19)(cid:20)(cid:21)(cid:22)(cid:23)(cid:24)(cid:15)(cid:1)(cid:25)(cid:17)(cid:26)(cid:15)(cid:1)(cid:10)(cid:27)(cid:28)(cid:1)(cid:29)(cid:30)(cid:31)(cid:22)(cid:27)(cid:28)(cid:15)(cid:1)(cid:13)(cid:4)(cid:1) (cid:18)(cid:17)(cid:18)!
`" # $(cid:1)%&’(#!)%
`
`
`
` 9
`
` 1
`
`And then your next job after the security
`
` 2
`
`company was where?
`
` 3
`
` 4
`
` 5
`
` 6
`
`A.
`
`Q.
`
`A.
`
`Q.
`
`At Bank of America.
`
`And where was that located?
`
`West Des Moines, Iowa.
`
`And what did Bank of America do in West
`
` 7
`
`Des Moines, Iowa?
`
` 8
`
`A.
`
`We were a satellite branch producing
`
` 9
`
`manufactured housing home loans.
`
`10
`
`11
`
`Q.
`
`Okay.
`
`And what were your job responsibilities at
`
`12
`
`Bank of America in West Des Moines, Iowa?
`
`13
`
`A.
`
`My job was to manage a collections team to
`
`14
`
`make outbound calls to collect as well as supervise
`
`15
`
`the process of re-sell of the mobile homes.
`
`16
`
`Q.
`
`And you say "re-sell." From who? Who are
`
`17
`
`they coming from?
`
`18
`
`A.
`
`We would own them ourselves through a
`
`19
`
`replevin or that process, because they would be
`
`20
`
`normally in a mobile home lot or park.
`
`21
`
`22
`
`Q.
`
`Okay.
`
`Were these people that defaulted on their
`
`23
`
`loans, is that what you're saying?
`
`24
`
`25
`
`A.
`
`Q.
`
`Yes, that is what I'm saying.
`
`Okay. Okay.
`
`(cid:1)(cid:1)(cid:1)(cid:2)(cid:3)(cid:2)(cid:4)(cid:5)(cid:1)(cid:6)(cid:7)(cid:8)(cid:9)(cid:1)(cid:4)(cid:5)(cid:10)(cid:1)(cid:4)(cid:2)(cid:2)(cid:11)(cid:12)(cid:13)(cid:4)(cid:14)(cid:9)(cid:2)(cid:15)(cid:1)(cid:13)(cid:5)(cid:12)(cid:16)(cid:1)(cid:1)(cid:1)
`(cid:1)(cid:1)(cid:17)(cid:18)(cid:18)(cid:1)(cid:19)(cid:20)(cid:21)(cid:22)(cid:23)(cid:24)(cid:15)(cid:1)(cid:25)(cid:17)(cid:26)(cid:15)(cid:1)(cid:10)(cid:27)(cid:28)(cid:1)(cid:29)(cid:30)(cid:31)(cid:22)(cid:27)(cid:28)(cid:15)(cid:1)(cid:13)(cid:4)(cid:1) (cid:18)(cid:17)(cid:18)!
`" # $(cid:1)%&’(#!)%
`
`
`
` 10
`
` 1
`
`So you were in charge of a group that
`
` 2
`
`basically collected and went after people who
`
` 3
`
`defaulted on their mobile home loans?
`
` 4
`
` 5
`
` 6
`
`A.
`
`Q.
`
`Yes, that's correct.
`
`Okay. Okay.
`
`And approximately how long were you at
`
` 7
`
`Bank of America?
`
` 8
`
` 9
`
`10
`
`A.
`
`Q.
`
`Six years.
`
`Okay.
`
`And after you left Bank of America, where
`
`11
`
`did you go?
`
`12
`
`A.
`
`I was at a company called Amerus Home
`
`13
`
`Lending, which then transitioned through a number of
`
`14
`
`companies and ended up being M & I Home Lending.
`
`15
`
`16
`
`17
`
`Q.
`
`A.
`
`Q.
`
`How do you spell that?
`
`Amerus?
`
`Both that and M & I, I think you said,
`
`18
`
`whatever --
`
`19
`
`20
`
`21
`
`22
`
`23
`
`A.
`
`Q.
`
`A.
`
`Q.
`
`Amerus, A-m-e-r-u-s.
`
`Okay.
`
`And M & I, M ampersand I.
`
`Okay.
`
`And what did they do, what was their
`
`24
`
`business?
`
`25
`
`A.
`
`Producing and supporting lending of stick-
`
`(cid:1)(cid:1)(cid:1)(cid:2)(cid:3)(cid:2)(cid:4)(cid:5)(cid:1)(cid:6)(cid:7)(cid:8)(cid:9)(cid:1)(cid:4)(cid:5)(cid:10)(cid:1)(cid:4)(cid:2)(cid:2)(cid:11)(cid:12)(cid:13)(cid:4)(cid:14)(cid:9)(cid:2)(cid:15)(cid:1)(cid:13)(cid:5)(cid:12)(cid:16)(cid:1)(cid:1)(cid:1)
`(cid:1)(cid:1)(cid:17)(cid:18)(cid:18)(cid:1)(cid:19)(cid:20)(cid:21)(cid:22)(cid:23)(cid:24)(cid:15)(cid:1)(cid:25)(cid:17)(cid:26)(cid:15)(cid:1)(cid:10)(cid:27)(cid:28)(cid:1)(cid:29)(cid:30)(cid:31)(cid:22)(cid:27)(cid:28)(cid:15)(cid:1)(cid:13)(cid:4)(cid:1) (cid:18)(cid:17)(cid:18)!
`" # $(cid:1)%&’(#!)%
`
`
`
` 11
`
` 1
`
`built houses. My job was to run the team of
`
` 2
`
`foreclosure, and we also did cradle-to-grave,
`
` 3
`
`meaning we started with the collections process and
`
` 4
`
`went through foreclosure, and then I would re-market
`
` 5
`
`the properties that we would eventually get back
`
` 6
`
`through non-payment and the foreclosure process.
`
` 7
`
`Q.
`
`And did you re-market them yourself, or
`
` 8
`
`how did you re-market them?
`
` 9
`
`10
`
`A.
`
`Q.
`
`11
`
`service?
`
`12
`
`13
`
`14
`
`15
`
`A.
`
`Q.
`
`A.
`
`Q.
`
`We used a service to re-market them.
`
`Is that some type of asset manager
`
`Yes, it is.
`
`Do you recall who that was that you used?
`
`Yes. It was Gem REO.
`
`And were these just houses that were in
`
`16
`
`foreclosure in Iowa or were they in other places as
`
`17
`
`well?
`
`18
`
`19
`
`A.
`
`Q.
`
`They were in other places as well.
`
`Can you just give us examples of other
`
`20
`
`places where you were involved in foreclosures and
`
`21
`
`re-marketing of houses that were in foreclosure?
`
`22
`
`A.
`
`Nebraska, I can recall. It was so long
`
`23
`
`ago. We did several in Iowa. Missouri.
`
`24
`
`25
`
`Just those are the ones that I can recall.
`
`Q.
`
`Okay.
`
`(cid:1)(cid:1)(cid:1)(cid:2)(cid:3)(cid:2)(cid:4)(cid:5)(cid:1)(cid:6)(cid:7)(cid:8)(cid:9)(cid:1)(cid:4)(cid:5)(cid:10)(cid:1)(cid:4)(cid:2)(cid:2)(cid:11)(cid:12)(cid:13)(cid:4)(cid:14)(cid:9)(cid:2)(cid:15)(cid:1)(cid:13)(cid:5)(cid:12)(cid:16)(cid:1)(cid:1)(cid:1)
`(cid:1)(cid:1)(cid:17)(cid:18)(cid:18)(cid:1)(cid:19)(cid:20)(cid:21)(cid:22)(cid:23)(cid:24)(cid:15)(cid:1)(cid:25)(cid:17)(cid:26)(cid:15)(cid:1)(cid:10)(cid:27)(cid:28)(cid:1)(cid:29)(cid:30)(cid:31)(cid:22)(cid:27)(cid:28)(cid:15)(cid:1)(cid:13)(cid:4)(cid:1) (cid:18)(cid:17)(cid:18)!
`" # $(cid:1)%&’(#!)%
`
`
`
` 12
`
` 1
`
`And you used someone who was an asset
`
` 2
`
`manager. And do you know if they sold them by
`
` 3
`
`themselves or did they use somebody else to sell the
`
` 4
`
`houses?
`
` 5
`
`A.
`
`They would have a broker network of real
`
` 6
`
`estate agents that they would assign the property to
`
` 7
`
`to make repairs and show the property.
`
` 8
`
` 9
`
`Q.
`
`Okay.
`
`Did you ever -- Did they ever tell you
`
`10
`
`who they were using for brokers?
`
`A.
`
`Q.
`
`11
`
`12
`
`13
`
`14
`
`or M & I?
`
`No.
`
`Okay. And so after --
`
`Approximately how long were you at Amerus
`
`15
`
`16
`
`17
`
`A.
`
`Q.
`
`Ten-plus years.
`
`Okay.
`
`And when you left M & I, where did you go
`
`18
`
`from there?
`
`19
`
`20
`
`A.
`
`Q.
`
`Here, to Nationwide.
`
`Okay. And that leads to my next question.
`
`21
`
`Where are you currently employed?
`
`A.
`
`Q.
`
`22
`
`23
`
`24
`
`25
`
`correct?
`
`Nationwide Advantage Mortgage Company.
`
`Okay.
`
`And that's in Des Moines, Iowa; is that
`
`(cid:1)(cid:1)(cid:1)(cid:2)(cid:3)(cid:2)(cid:4)(cid:5)(cid:1)(cid:6)(cid:7)(cid:8)(cid:9)(cid:1)(cid:4)(cid:5)(cid:10)(cid:1)(cid:4)(cid:2)(cid:2)(cid:11)(cid:12)(cid:13)(cid:4)(cid:14)(cid:9)(cid:2)(cid:15)(cid:1)(cid:13)(cid:5)(cid:12)(cid:16)(cid:1)(cid:1)(cid:1)
`(cid:1)(cid:1)(cid:17)(cid:18)(cid:18)(cid:1)(cid:19)(cid:20)(cid:21)(cid:22)(cid:23)(cid:24)(cid:15)(cid:1)(cid:25)(cid:17)(cid:26)(cid:15)(cid:1)(cid:10)(cid:27)(cid:28)(cid:1)(cid:29)(cid:30)(cid:31)(cid:22)(cid:27)(cid:28)(cid:15)(cid:1)(cid:13)(cid:4)(cid:1) (cid:18)(cid:17)(cid:18)!
`" # $(cid:1)%&’(#!)%
`
`
`
` 13
`
` 1
`
` 2
`
` 3
`
`A.
`
`Q.
`
`Yes.
`
`Okay. Okay.
`
`And I would ask you to take a look at
`
` 4
`
`Bates No. NW6964, which I believe the court reporter
`
` 5
`
`has marked as Exhibit 2.
`
` 6
`
` 7
`
` 8
`
` 9
`
`A.
`
`Q.
`
`Is that correct?
`
`Yes, that's correct.
`
`Okay. And that's in front of you.
`
`And is there a domain name or a domain at
`
`10
`
`the bottom of the left-hand part of that page?
`
`11
`
`12
`
`13
`
`14
`
`15
`
`16
`
`17
`
`A.
`
`Q.
`
`A.
`
`Q.
`
`A.
`
`Q.
`
`Yes, there is.
`
`Can you just read it into the record?
`
`"www.nationwideadvantagemortgage.com."
`
`Okay.
`
`And are you familiar with this website?
`
`Yes, I am.
`
`Do you see the page that's depicted on
`
`18
`
`Exhibit 2 in front of you?
`
`19
`
`20
`
`21
`
`A.
`
`Q.
`
`A.
`
`Yes, I have.
`
`And what is it?
`
`We use this website at Nationwide Mortgage
`
`22
`
`to allow our customers access to their records and
`
`23
`
`their mortgage statements.
`
`24
`
`25
`
`Q.
`
`Okay.
`
`And so you've seen this website before
`
`(cid:1)(cid:1)(cid:1)(cid:2)(cid:3)(cid:2)(cid:4)(cid:5)(cid:1)(cid:6)(cid:7)(cid:8)(cid:9)(cid:1)(cid:4)(cid:5)(cid:10)(cid:1)(cid:4)(cid:2)(cid:2)(cid:11)(cid:12)(cid:13)(cid:4)(cid:14)(cid:9)(cid:2)(cid:15)(cid:1)(cid:13)(cid:5)(cid:12)(cid:16)(cid:1)(cid:1)(cid:1)
`(cid:1)(cid:1)(cid:17)(cid:18)(cid:18)(cid:1)(cid:19)(cid:20)(cid:21)(cid:22)(cid:23)(cid:24)(cid:15)(cid:1)(cid:25)(cid:17)(cid:26)(cid:15)(cid:1)(cid:10)(cid:27)(cid:28)(cid:1)(cid:29)(cid:30)(cid:31)(cid:22)(cid:27)(cid:28)(cid:15)(cid:1)(cid:13)(cid:4)(cid:1) (cid:18)(cid:17)(cid:18)!
`" # $(cid:1)%&’(#!)%
`
`
`
` 14
`
` 1
`
`today; correct?
`
` 2
`
` 3
`
` 4
`
`A.
`
`Q.
`
`Yes, I have.
`
`Okay.
`
`What is Nationwide Advantage Mortgage
`
` 5
`
`Company?
`
` 6
`
`A.
`
`We originate mortgages and collect on
`
` 7
`
`mortgages for not only the loans that the mortgage
`
` 8
`
`company owns, but sub-servers of our business, and
`
` 9
`
`work them through the process.
`
`10
`
`11
`
`Q.
`
`Okay.
`
`And do you have any idea of where
`
`12
`
`Nationwide Advantage Mortgage Company does business?
`
`13
`
`A.
`
`We do business in -- throughout the United
`
`14
`
`States. And I don't know the exact number of
`
`15
`
`states, but there are one or two that we do not do
`
`16
`
`business in.
`
`17
`
`Q.
`
`So you do it in 40-some states, is that
`
`18
`
`what you're saying?
`
`19
`
`20
`
`21
`
`A.
`
`Q.
`
`Sure. Yes.
`
`Okay. Okay.
`
`Do you know if Nationwide Advantage
`
`22
`
`Mortgage is a part of Nationwide Mutual Insurance
`
`23
`
`Company?
`
`24
`
`A.
`
`Yes, we are part of Nationwide
`
`25
`
`Advantage -- or the Mutual company.
`
`(cid:1)(cid:1)(cid:1)(cid:2)(cid:3)(cid:2)(cid:4)(cid:5)(cid:1)(cid:6)(cid:7)(cid:8)(cid:9)(cid:1)(cid:4)(cid:5)(cid:10)(cid:1)(cid:4)(cid:2)(cid:2)(cid:11)(cid:12)(cid:13)(cid:4)(cid:14)(cid:9)(cid:2)(cid:15)(cid:1)(cid:13)(cid:5)(cid:12)(cid:16)(cid:1)(cid:1)(cid:1)
`(cid:1)(cid:1)(cid:17)(cid:18)(cid:18)(cid:1)(cid:19)(cid:20)(cid:21)(cid:22)(cid:23)(cid:24)(cid:15)(cid:1)(cid:25)(cid:17)(cid:26)(cid:15)(cid:1)(cid:10)(cid:27)(cid:28)(cid:1)(cid:29)(cid:30)(cid:31)(cid:22)(cid:27)(cid:28)(cid:15)(cid:1)(cid:13)(cid:4)(cid:1) (cid:18)(cid:17)(cid:18)!
`" # $(cid:1)%&’(#!)%
`
`
`
` 1
`
` 2
`
`Q.
`
`Okay. Okay.
`
`And can you just tell us in your own words
`
` 3
`
`who are the types of typical customers of Nationwide
`
` 15
`
` 4
`
`Advantage Mortgage Company for your services?
`
` 5
`
`A.
`
`Our company only provides mortgages to
`
` 6
`
`home -- or to the -- a residential customer.
`
` 7
`
` 8
`
`Q.
`
`Okay.
`
`And so you basically provide loans to
`
` 9
`
`people who are buying houses themselves, is that
`
`10
`
`what you're saying?
`
`11
`
`12
`
`13
`
`A.
`
`Q.
`
`Buying or refinancing.
`
`Okay.
`
`And do you have a current title for your
`
`14
`
`position for Nationwide Advantage Mortgage Company?
`
`A.
`
`Q.
`
`15
`
`16
`
`17
`
`Associate vice president.
`
`Okay.
`
`And can you just tell us, as far as what
`
`18
`
`you do, what are your responsibilities at Nationwide
`
`19
`
`Advantage Mortgage Company?
`
`20
`
`A.
`
`Currently I manage a team of foreclosure
`
`21
`
`representatives that work the process from placement
`
`22
`
`of the referral to the attorney to start the process
`
`23
`
`through possession of the property and monitor the
`
`24
`
`conveyance of that property to an investor.
`
`25
`
`Q.
`
`Okay. So you have involvement in
`
`(cid:1)(cid:1)(cid:1)(cid:2)(cid:3)(cid:2)(cid:4)(cid:5)(cid:1)(cid:6)(cid:7)(cid:8)(cid:9)(cid:1)(cid:4)(cid:5)(cid:10)(cid:1)(cid:4)(cid:2)(cid:2)(cid:11)(cid:12)(cid:13)(cid:4)(cid:14)(cid:9)(cid:2)(cid:15)(cid:1)(cid:13)(cid:5)(cid:12)(cid:16)(cid:1)(cid:1)(cid:1)
`(cid:1)(cid:1)(cid:17)(cid:18)(cid:18)(cid:1)(cid:19)(cid:20)(cid:21)(cid:22)(cid:23)(cid:24)(cid:15)(cid:1)(cid:25)(cid:17)(cid:26)(cid:15)(cid:1)(cid:10)(cid:27)(cid:28)(cid:1)(cid:29)(cid:30)(cid:31)(cid:22)(cid:27)(cid:28)(cid:15)(cid:1)(cid:13)(cid:4)(cid:1) (cid:18)(cid:17)(cid:18)!
`" # $(cid:1)%&’(#!)%
`
`
`
` 16
`
` 1
`
`foreclosure of properties, is that what you're
`
` 2
`
`saying?
`
` 3
`
` 4
`
`A.
`
`Q.
`
`Yes, I do.
`
`And basically foreclosure of people who
`
` 5
`
`don't pay their mortgages to you; is that correct?
`
` 6
`
`A.
`
`Yes, I do. Once the home comes back, if
`
` 7
`
`it is something that we manage through our portfolio
`
` 8
`
`or is owned by the company, more or less, I would
`
` 9
`
`re-market those properties through an outside
`
`10
`
`source.
`
`11
`
`12
`
`13
`
`14
`
`Q.
`
`Okay.
`
`And you stated "outside source."
`
`We have an asset management company.
`
`Okay. And what's the name of that asset
`
`A.
`
`Q.
`
`15
`
`management company you currently use?
`
`16
`
`17
`
`18
`
`A.
`
`Q.
`
`Phoenix Asset Management.
`
`Okay. Thank you.
`
`Are you familiar with a company called
`
`19
`
`Nationwide Bank?
`
`20
`
`21
`
`A.
`
`Q.
`
`22
`
`Bank?
`
`Yes, I am.
`
`And what is, to your knowledge, Nationwide
`
`23
`
`A.
`
`They are a bank that does all sorts of
`
`24
`
`normal banking processes, such as CDs, auto loans,
`
`25
`
`credit cards, that type of normal structure of a
`
`(cid:1)(cid:1)(cid:1)(cid:2)(cid:3)(cid:2)(cid:4)(cid:5)(cid:1)(cid:6)(cid:7)(cid:8)(cid:9)(cid:1)(cid:4)(cid:5)(cid:10)(cid:1)(cid:4)(cid:2)(cid:2)(cid:11)(cid:12)(cid:13)(cid:4)(cid:14)(cid:9)(cid:2)(cid:15)(cid:1)(cid:13)(cid:5)(cid:12)(cid:16)(cid:1)(cid:1)(cid:1)
`(cid:1)(cid:1)(cid:17)(cid:18)(cid:18)(cid:1)(cid:19)(cid:20)(cid:21)(cid:22)(cid:23)(cid:24)(cid:15)(cid:1)(cid:25)(cid:17)(cid:26)(cid:15)(cid:1)(cid:10)(cid:27)(cid:28)(cid:1)(cid:29)(cid:30)(cid:31)(cid:22)(cid:27)(cid:28)(cid:15)(cid:1)(cid:13)(cid:4)(cid:1) (cid:18)(cid:17)(cid:18)!
`" # $(cid:1)%&’(#!)%
`
`
`
` 17
`
` 1
`
`typical bank.
`
` 2
`
` 3
`
` 4
`
`Q.
`
`A.
`
`Q.
`
`Does Nationwide Bank do mortgages?
`
`Of sorts. They do HELOC or equity loans.
`
`And do you know if Nationwide Bank has any
`
` 5
`
`relationship to Nationwide Mutual Insurance Company?
`
` 6
`
` 7
`
`A.
`
`Q.
`
`Yes, I do. Yes, they are.
`
`Are they basically part of Nationwide
`
` 8
`
`Mutual Insurance Company?
`
` 9
`
`10
`
`11
`
`A.
`
`Q.
`
`Yes, they are.
`
`Okay.
`
`Do you know if there's any type of
`
`12
`
`relationship between Nationwide Bank and Nationwide
`
`13
`
`Advantage Mortgage Company?
`
`14
`
`A.
`
`Yeah. February of 2015, the two virtually
`
`15
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`joined and are acting as one. We -- Excuse me.
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`16
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`Loans are now generated by our companies together
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`under the Nationwide Bank name.
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`18
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`Nationwide Advantage Mortgage is still
`
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`intact but no longer produces business under that
`
`20
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`name.
`
`21
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`22
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`23
`
`Q.
`
`Okay.
`
`And do you also -- Strike that. Okay.
`
`I'd ask you to look at Exhibit 3, which
`
`24
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`has been marked by the court reporter and should be
`
`25
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`NW6965 and 6966.
`
`(cid:1)(cid:1)(cid:1)(cid:2)(cid:3)(cid:2)(cid:4)(cid:5)(cid:1)(cid:6)(cid:7)(cid:8)(cid:9)(cid:1)(cid:4)(cid:5)(cid:10)(cid:1)(cid:4)(cid:2)(cid:2)(cid:11)(cid:12)(cid:13)(cid:4)(cid:14)(cid:9)(cid:2)(cid:15)(cid:1)(cid:13)(cid:5)(cid:12)(cid:16)(cid:1)(cid:1)(cid:1)
`(cid:1)(cid:1)(cid:17)(cid:18)(cid:18)(cid:1)(cid:19)(cid:20)(cid:21)(cid:22)(cid:23)(cid:24)(cid:15)(cid:1)(cid:25)(cid:17)(cid:26)(cid:15)(cid:1)(cid:10)(cid:27)(cid:28)(cid:1)(cid:29)(cid:30)(cid:31)(cid:22)(cid:27)(cid:28)(cid:15)(cid:1)(cid:13)(cid:4)(cid:1) (cid:18)(cid:17)(cid:18)!
`" # $(cid:1)%&’(#!)%
`
`
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` 18
`
` 1
`
` 2
`
` 3
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` 4
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` 5
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` 6
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` 7
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` 8
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` 9
`
`A.
`
`Q.
`
`A.
`
`Q.
`
`A.
`
`Q.
`
`A.
`
`Do you see that?
`
`Yes, I do.
`
`Okay.
`
`Are you familiar with this website?
`
`Yes, I am.
`
`Have you seen it before today?
`
`Yes, I have.
`
`What is this website?
`
`This is the website that outside sources
`
`10
`
`or customers can go to to find out information about
`
`11
`
`bank products.
`
`12
`
`13
`
`Q.
`
`A.
`
`You say "bank products." What bank?
`
`Nationwide Bank products such as CDs. You
`
`14
`
`can find out about auto loans, you can get -- apply
`
`15
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`for a credit card.
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`16
`
`17
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`18
`
`Q.
`
`Okay.
`
`And can you get a mortgage?
`
`A.
`
`I don't know if that is on the dropdown or
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`19
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`not. I'm uncertain.
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`20
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`21
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`Q.
`
`Okay. Okay.
`
`Do you personally also work for Nationwide
`
`22
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`Bank?
`
`23
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`24
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`A.
`
`Q.
`
`25
`
`Bank?
`
`Yes, I do.
`
`Okay. And what do you do for Nationwide
`
`(cid:1)(cid:1)(cid:1)(cid:2)(cid:3)(cid:2)(cid:4)(cid:5)(cid:1)(cid:6)(cid:7)(cid:8)(cid:9)(cid:1)(cid:4)(cid:5)(cid:10)(cid:1)(cid:4)(cid:2)(cid:2)(cid:11)(cid:12)(cid:13)(cid:4)(cid:14)(cid:9)(cid:2)(cid:15)(cid:1)(cid:13)(cid:5)(cid:12)(cid:16)(cid:1)(cid:1)(cid:1)
`(cid:1)(cid:1)(cid:17)(cid:18)(cid:18)(cid:1)(cid:19)(cid:20)(cid:21)(cid:22)(cid:23)(cid:24)(cid:15)(cid:1)(cid:25)(cid:17)(cid:26)(cid:15)(cid:1)(cid:10)(cid:27)(cid:28)(cid:1)(cid:29)(cid:30)(cid:31)(cid:22)(cid:27)(cid:28)(cid:15)(cid:1)(cid:13)(cid:4)(cid:1) (cid:18)(cid:17)(cid:18)!
`" # $(cid:1)%&’(#!)%
`
`
`
` 1
`
`A.
`
`I monitor their loans, for instance, if
`
` 2
`
`they have loans that are first mortgages. They also
`
` 3
`
`have HEILs that are first mortgages. And virtually
`
` 19
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` 4
`
`we work them through the same process, from
`
` 5
`
`foreclosure to liquidation.
`
` 6
`
` 7
`
`Q.
`
`Okay.
`
`Are you involved in foreclosure of
`
` 8
`
`Nationwide Bank properties where people don't pay on
`
` 9
`
`their mortgage?
`
`10
`
`11
`
`A.
`
`Q.
`
`Yes, I am.
`
`And do you go through the same type of
`
`12
`
`foreclosure proceeding that you described before
`
`13
`
`with Nationwide Advantage Mortgage?
`
`14
`
`15
`
`A.
`
`Q.
`
`Yes, we do.
`
`And do you use any type of asset manager
`
`16
`
`for those properties that are foreclosed?
`
`17
`
`18
`
`19
`
`A.
`
`Q.
`
`Yes, we do.
`
`Okay. Okay.
`
`Do you know the types of customers for
`
`20
`
`Nationwide Bank, are they businesses, are they
`
`21
`
`individuals, what are they; are they both?
`
`22
`
`A.
`
`They are individuals that would purchase a
`
`23
`
`home or refinance a home or look to get equity out
`
`24
`
`of their home to make, you know, repairs or updates.
`
`25
`
`Q.
`
`Okay.
`
`(cid:1)(cid:1)(cid:1)(cid:2)(cid:3)(cid:2)(cid:4)(cid:5)(cid:1)(cid:6)(cid:7)(cid:8)(cid:9)(cid:1)(cid:4)(cid:5)(cid:10)(cid:1)(cid:4)(cid:2)(cid:2)(cid:11)(cid:12)(cid:13)(cid:4)(cid:14)(cid:9)(cid:2)(cid:15)(cid:1)(cid:13)(cid:5)(cid:12)(cid:16)(cid:1)(cid:1)(cid:1)
`(cid:1)(cid:1)(cid:17)(cid:18)(cid:18)(cid:1)(cid:19)(cid:20)(cid:21)(cid:22)(cid:23)(cid:24)(cid:15)(cid:1)(cid:25)(cid:17)(cid:26)(cid:15)(cid:1)(cid:10)(cid:27)(cid:28)(cid:1)(cid:29)(cid:30)(cid:31)(cid:22)(cid:27)(cid:28)(cid:15)(cid:1)(cid:13)(cid:4)(cid:1) (cid:18)(cid:17)(cid:18)!
`" # $(cid:1)%&’(#!)%
`
`
`
` 20
`
` 1
`
`Okay. And so just for purposes of clarity
`
` 2
`
`for the court reporter, can we agree that when you
`
` 3
`
`say the word "Nationwide Bank" during your
`
` 4
`
`testimony, it includes not only the activities of
`
` 5
`
`Nationwide Bank but also Nationwide Advantage
`
` 6
`
`Mortgage Company?
`
` 7
`
` 8
`
` 9
`
`A.
`
`Q.
`
`Yes.
`
`Okay.
`
`I'd ask you to look at what's marked as
`
`10
`
`Exhibit 4, NW6927. It appears to be a website.
`
`11
`
`12
`
`13
`
`14
`
`15
`
`16
`
`A.
`
`Q.
`
`A.
`
`Q.
`
`Do you see that?
`
`Yes, I have it in front of me.
`
`Have you seen that website before today?
`
`Yes, I have.
`
`Okay.
`
`And at the bottom, can you read -- it's
`
`17
`
`fairly small, but can you read what the domain is
`
`18
`
`for that website?
`
`19
`
`20
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`21
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`22
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`23
`
`A.
`
`Q.
`
`A.
`
`Q.
`
`"nationwiderealtyus.com."
`
`Okay.
`
`Have you looked at this website?
`
`Yes, I have.
`
`Okay. And is the exhibit in front of you
`
`24
`
`on Exhibit 4 -- is that a page from the
`
`25
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`nationwiderealtyus.com website?
`
`(cid:1)(cid:1)(cid:1)(cid:2)(cid:3)(cid:2)(cid:4)(cid:5)(cid:1)(cid:6)(cid:7)(cid:8)(cid:9)(cid:1)(cid:4)(cid:5)(cid:10)(cid:1)(cid:4)(cid:2)(cid:2)(cid:11)(cid:12)(cid:13)(cid:4)(cid:14)(cid:9)(cid:2)(cid:15)(cid:1)(cid:13)(cid:5)(cid:12)(cid:16)(cid:1)(cid:1)(cid:1)
`(cid:1)(cid:1)(cid:17)(cid:18)(cid:18)(cid:1)(cid:19)(cid:20)(cid:21)(cid:22)(cid:23)(cid:24)(cid:15)(cid:1)(cid:25)(cid:17)(cid:26)(cid:15)(cid:1)(cid:10)(cid:27)(cid:28)(cid:1)(cid:29)(cid:30)(cid:31)(cid:22)(cid:27)(cid:28)(cid:15)(cid:1)(cid:13)(cid:4)(cid:1) (cid:18)(cid:17)(cid:18)!
`" # $(cid:1)%&’(#!)%
`
`
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` 21
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` 1
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` 2
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` 3
`
`A.
`
`Q.
`
`Yes, it is.
`
`Okay.
`
`I'll represent to you that Mrs. Baker, who
`
` 4
`
`is the registrant in this case, testified that that
`
` 5
`
`is the website of her company, NationWide Realty.
`
` 6
`
`Based upon your reviewing Exhibit 4 and
`
` 7
`
`the website, do you know what the name of the
`
` 8
`
`business is?
`
` 9
`
`10
`
`11
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`12
`
`A.
`
`Q.
`
`A.
`
`Q.
`
`Yes.
`
`What is it?
`
`NationWide Realty.
`
`And in looking at the website in
`
`13
`
`Exhibit 4, can you tell what type of business this
`
`14
`
`company is in?
`
`15
`
`A.
`
`It would appear that they market and
`
`16
`
`re-sell properties of various levels, including
`
`17
`
`residential, commercial and foreclosed and HUD
`
`18
`
`properties.
`
`19
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`20
`
`Q.
`
`Okay.
`
`I will represent to you that Brian Ellis,
`
`21
`
`who is the president of Nationwide Realty Investors,
`
`22
`
`has already testified in this case, and he testified
`
`23
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`at page 20 of his testimony deposition, when asked
`
`24
`
`does he know how consumer real estate might interact
`
`25
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`with Nationwide as a banking business -- and the
`
`(cid:1)(cid:1)(cid:1)(cid:2)(cid:3)(cid:2)(cid:4)(cid:5)(cid:1)(cid:6)(cid:7
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