Opinion
Case No. 09-14950-BFK Adversary Proceeding No. 11-01427
02-14-2013
In re: OSAMA M. EL-ATARI Debtor KEVIN R. MCCARTHY, Trustee Plaintiff v. WELLS FARGO BANK, N.A. Defendant
Chapter 7
MEMORANDUM OPINION
This Adversary Proceeding is brought by the bankruptcy Trustee of the estate of Osama El-Atari against Wells Fargo Bank, N.A., as successor to Wachovia Bank, N.A. The Trustee seeks to recover approximately $8,000,000 paid to Wells Fargo in October 2008, within two years of the bankruptcy filing. The Trustee asserts that the transfer was made with the intent to hinder, delay or defraud the creditors of Mr. El-Atari, and therefore, that the transfer is avoidable under Section 548(a)(1)(A) of the Bankruptcy Code and recoverable pursuant to 11 U.S.C. § 550(a). Wells Fargo admits that it received the transfer, but denies that the transfer is avoidable.
This matter comes before the Court on the Trustee's Motion to Compel the production of documents that Defendant, Wells Fargo, has withheld under claims of attorney-client privilege and the attorney work product doctrine. Docket No. 128. Wells Fargo filed an Opposition (Docket No. 146) and the Trustee filed a Reply Memorandum (Docket No. 156). The Court heard argument from the parties on January 22, 2013.
The Court ruled from the bench that certain documents were privileged by the attorney-client privilege and need not be produced. Specifically, the Court ruled that communications between or among the Bank's personnel and outside counsel, McCarter & English and LeClair Ryan, were privileged by the attorney-client privilege and need not be produced. See Declaration of Stevan E. Peckel, Docket No. 146, Ex. 4. The Court ordered the remainder of the documents to be produced for an in camera review. The Court permitted Wells Fargo to redact from the produced documents any references to the filing (or not) of a Suspicious Activity Report (SAR) and any references to borrowers other than Mr. El-Atari or his related entities. On February 1, 2013, Wells Fargo produced a total of 793 documents for an in camera review, all of which the Court has now reviewed. For the reasons stated below, the Court will grant the Trustee's Motion in part, and will deny it in part.
The Court also agreed with the Trustee's counsel that an e-mail is not privileged just because a law firm is cc'd on the e-mail.
The Court appreciates Wells Fargo's counsel's thoroughness in producing the documents for an in camera review, with annotations such as "all prior e-mails in string were produced," "produced in redacted form," "challenged elsewhere," "not challenged," and "not at issue per the Court's prior rulings." The manner in which the documents were produced for the Court's in camera review was very helpful to the Court.
The documents fall into one of three categories: (a) documents that are covered by the attorney-client privilege because they seek, or give, legal advice, from or by Wells Fargo's in-house counsel, Mr. Peckel; (b) documents that are not covered by the attorney-client privilege but that, nonetheless, are covered by the work product doctrine, regardless as to whether Mr. Peckel is the author or the recipient of the document, but for which Mr. Peckel has tasked the author or the recipient to act as his agent for purposes of conducting an investigation in anticipation of litigation; and (c) documents for which neither the attorney-client privilege nor the work-product doctrine is applicable, and which, therefore, must be produced.
I. The Attorney-Client Privilege
The choice of law rule for claims of privilege is provided in Rule 501 of the Federal Rules of Evidence. It states:
The common law—as interpreted by United States courts in the light of reason and experience—governs a claim of privilege unless any of the following provides otherwise:Fed. R. Evid. 501. This is not a case in which applicable state law governs for purposes of a claim or defense with respect to the claim of privilege. Accordingly, federal law governs in this case. In re Hotels Nev., LLC, 458 B.R. 560, 567-71 (Bankr. D. Nev. 2011); Ramette v. Bame (In re Bame), 251 B.R. 367, 372 (Bankr. D. Minn. 2000).
• the United States Constitution;
• a federal statute; or
• rules prescribed by the Supreme Court.
But in a civil case, state law governs privilege regarding a claim or defense for which state law supplies the rule of decision.
"The attorney-client privilege is the oldest of the privileges . . . known to the common law. . . . Its purpose is to encourage full and frank communication between attorneys and their clients and thereby promote broader public interests in the observance of law and administration of justice." Upjohn Co. v. United States, 449 U.S. 383, 389 (1981). There is no dispute that the attorney client privilege covers communications between a corporation's in-house counsel and its employees. Scott & Stringfellow, LLC v. AIG Commercial Equip. Fin., Inc., 2011 WL 1827900, at *2 (E.D. Va. 2011) (citing Jonathan Corp. v. Prime Computer, Inc. 114 F.R.D. 693, 696 (E.D. Va. 1987)). The party asserting the attorney-client privilege has the burden of demonstrating that the privilege applies. Id.
Having reviewed all of the documents at issue in camera, the Court finds that Wells Fargo has sustained its burden to show that the documents identified on Exhibit 1 attached are privileged by the attorney-client privilege, and need not be produced.
II. The Work Product Doctrine
The work product doctrine protects documents that are prepared in anticipation of litigation. Hickman v. Taylor, 329 U.S. 495, 509-14 (1947). There are two kinds of documents protected by the work product doctrine—fact work product and opinion work product—the latter of which contains the mental impressions of attorneys. The former can be compelled on a showing of substantial need and unavailability from other sources without undue hardship; the latter enjoys a near-absolute privilege. Bankruptcy Rule 7026 (incorporating Fed. R. Civ. P. 26(b)(3)(A) and (B)) ("if the court orders discovery of those materials, it must protect against disclosure of the mental impressions, conclusions, opinions or legal theories of a party's attorney or other representative concerning the litigation"); Hickman v. Taylor, 329 U.S. 495, 510 (1947) ("Not even the most liberal of discovery theories can justify unwarranted inquiries into the files and mental impressions of any attorney"); E.I. Dupont de Nemours & Co. v. Kolon Indus., Inc., 269 F.R.D. 600, 608 (E.D. Va. 2010).
A. Whether Litigation Was Reasonably Foreseeable
The Trustee asserts that the work product doctrine does not apply at all in this case, because there was no reasonable prospect of litigation on the horizon. Specifically, the Trustee argues:
Here there was not even a plausible basis to "anticipate the contingency" of litigation because, taking Wells Fargo at its word, it never once had reason to believe anything other than (a) until October 1, 2008, its loan was going to be repaid in full, because it was 100 percent secured by completely liquid capital, or (b) after October 1, 2008, because Northern Trust was committed to loan El-Atari sufficient funds to repay the Wells Fargo loan in full.Trustee's Reply Mem., Docket No. 156, p. 4.
This view, however, vastly understates the problem faced by Wells Fargo. On August 19, 2008, William Frazier, Wells Fargo's point of contact with Mr. El-Atari, received a deeply troubling e-mail that purported to be from a "Brad Stevens," at the New York offices of the law firm of Reed Smith. This e-mail was sent in response to Mr. Frazier's request for additional information in support of Mr. El-Atari's application for an additional extension of credit from the Bank. The "Brad Stevens" e-mail quickly set off alarm bells within the Bank. In fact, the Bank learned that there was no Brad Stevens in the New York offices of Reed Smith. Further, the e-mail was sent from the domain name "reedsmithpc.com," whereas the law firm uses "reedsmith.com." The e-mail was obviously a fake.
The Court finds that, as a result of the August 19th e-mail, the Bank was faced with the prospect of litigation on a number of fronts. First, the Bank may have needed to call a default and bring an action to collect its $8,000,000 loan against Mr. El-Atari. Mr. El-Atari might have defended the Bank's collection lawsuit with a counterclaim, asserting that the Bank had called the $8,000,000 loan precipitously (it has to be remembered that the misrepresentations in the August 19th e-mail were made in support of a request for a new loan, not in connection with the administration of the $8,000,000 loan). The Bank needed to investigate the documentation of its security interest in the Lincoln Benefit Life insurance policy that served as collateral. It might have needed to consider the possibility of litigation against Lincoln Benefit. It might have considered the need to look at other remedies available to it, should the Lincoln Benefit policy prove to be a fraud (which it was), such as possible legal action against the professionals who documented the loan. And, finally, it needed to consider whether any of its personnel were involved in the fraud, and if so, what the Bank's legal remedies against such persons might be.
In short, it is unrealistic to suggest that, upon receipt of an obviously fraudulent e-mail from (or on behalf of, it wasn't clear at the time) a borrower who was applying for new credit, but from whom the Bank already had an $8,000,000 outstanding loan obligation, the Bank was required to complacently sit back and await payment. That isn't what happened here, nor should it have been. The Bank went into an investigatory mode, faced with the realistic prospect of litigation on any number of fronts.
B. Whether the Documents Were Created "Because of" Anticipated Litigation
The more difficult problem in analyzing the application of the work product doctrine in this case is the Trustee's assertion that the Bank wasn't conducting an investigation in anticipation of litigation; rather, it was conducting an investigation of possible money laundering and suspicious activity, something that it conducts in the ordinary course of its business and is required to conduct by applicable banking regulations.
The work product doctrine does not protect materials that are "'prepared in the ordinary course of business or pursuant to regulatory requirements or for other non-litigation purposes.'" Solis v. Food Emp'rs Labor Relations Ass'n, 644 F.3d 221, 232 (4th Cir. 2011) (quoting Nat'l Union Fire Ins. Co. v. Murray Sheet Metal Co., 967 F.2d 980, 984 (4th Cir. 1992)). As with the attorney client privilege, the party claiming work product protection bears the burden of demonstrating that it is applicable. Id.
To apply the work product doctrine, the material in question must be prepared "because of the prospect of litigation when the preparer faces an actual claim or a potential claim following an actual event or series of events that reasonably could result in litigation." Nat'l Union, 967 F.2d at 984 (emphasis in original). Determining the "driving force" behind the preparation of the documents in question is therefore required in resolving the applicability of the work product doctrine. Id.
The District Court's opinion in RLI Ins. Co. v. Conseco, Inc., 477 F. Supp. 2d 741 (E.D. Va. 2007), provides a thoughtful exploration of National Union's "because of" test. In RLI, Judge Payne noted:
Several other courts of appeals have been confronted more directly with "work product" that was created while litigation was imminent but that was arguably made for another purpose. These courts have formulated rules that expressed more explicitly the principle suggested by National Union and Goosman. In United States v. Adlman, 134 F.3d 1194 (2d Cir.1998), Judge Laval, looking in part to National Union, wrote that "the 'because of' formulation . . . withholds protection from documents . . . that would have been created in essentially similar form irrespective of the litigation." Id. at 1202 (emphasis added). The approach reflected in Adlman was explained with the observation that "[w]here a document was created because of anticipated litigation, and would not have been prepared in substantially similar form but for the prospect of that litigation," it is protected work product. Id. at 1195 (emphasis added). Other courts of appeals have established similar rules.Id. at 747-48 (footnotes omitted).
Adlman's "but for" and "irrespective of" formulations are useful expositions of National Union's "because of" standard, and they provide guidance for applying National Union to the facts in this case. In light of National Union and Adlman, the "work product" that RLI seeks to protect must have been created because of the prospect of litigation, when (1) "the [party] faces an actual claim or a potential claim following an actual event or series of events that reasonably could result in litigation," National Union, 967 F.2d at 984, and (2) the work product "would not have been prepared in substantially similar form but for the prospect of that litigation." Adlman, 134 F.3d at 1195.
At the same time, the "because of" test also has been described as the "more lenient" standard, when compared with the Fifth Circuit's "primary motivating purpose" test. United States v. Deloitte, LLP, 610 F.3d 129, 136-37 (D.C. Cir. 2010) (comparing Nat'l Union's "because of" test, with United States v. El Paso Co., 682 F.2d 530, 542 (5th Cir. 1982) ("primary motivating purpose" test)). The District Court for the District of Columbia recently discussed the "because of" test, noting:
The D.C. Circuit has also recognized that "[u]nder the more lenient 'because of' test, material generated in anticipation of litigation may also be used for ordinary business purposes without losing its protected status." Deloitte, 610 F.3d at 138; see also UnitedUnited States v. ISS Marine Servs., Inc., 2012 WL 5873682 (D. D.C. 2012).
States v. Adlman, 134 F.3d 1194, 1195 (2d Cir. 1998) ("[A] document created because of anticipated litigation . . . does not lose work-product protection merely because it is intended to assist in the making of a business decision influenced by the likely outcome of the anticipated litigation"). This aspect of the work-product doctrine allows courts to extend work-product protection to a document that "serves multiple purposes, so long as the protected material was prepared because of the prospect of litigation." Deloitte, 610 F.3d at 138. Acknowledging that so-called multi-purpose documents are capable of enjoying work-product protection, however, says nothing of what a party must show to demonstrate that a multi-purpose document was in fact prepared because of anticipated litigation. To be sure, a party bears a heavier burden when seeking work-product protection for a multi-purpose document because the D.C. Circuit has also recognized that "the [work-product] privilege has no applicability to documents prepared by lawyers 'in the ordinary course of business or for other nonlitigation purposes.'" In re Sealed Case, 146 F.3d at 887 (quoting Linde Thomson, 5 F.3d at 1515). It is the proponent of the work-product protection that bears the burden of demonstrating that the prospect of litigation was an independent, legitimate, and genuine purpose for the document's creation.
The Ninth Circuit has discussed the difficulty of determining whether "dual purpose" documents, that is, documents created both in anticipation of litigation and for other business needs, may enjoy work product protection. In re Grand Jury Subpoena (Mark Torf/Torf Envtl. Mgmt.) ("Torf"), 357 F.3d 900 (9th Cir. 2004). The documents at issue were prepared both in anticipation of potential environmental litigation with the EPA and for the purpose of determining compliance with an environmental Consent Order. The Court noted:
The question of entitlement to work product protection cannot be decided simply by looking at one motive that contributed to a document's preparation. The circumstances surrounding the document's preparation must also be considered. In the "because of" Wright & Miller formulation, "the nature of the document and the factual situation of the particular case" are key to a determination of whether work product protection applies. Wright & Miller § 2024 (emphasis added). When there is a true independent purpose for creating a document, work product protection is less likely, but when two purposes are profoundly interconnected, the analysis is more complicated.Id. at 908. Ultimately, the Ninth Circuit held that the documents were protected by the work product doctrine notwithstanding their dual purpose "because, taking into account the facts surrounding their creation, their litigation purpose so permeates any non-litigation purpose that the two purposes cannot be discretely separated from the factual nexus as a whole." Id. at 910.
The Court finds that in this case, the Trustee's argument is too all-encompassing and would result in the loss of work product protection whenever there is a parallel, non-litigation need to conduct an internal investigation. In the case of regulated institutions such as banks, which are always required to conduct investigations into possible money laundering and suspicious activities where such facts arise, this necessarily would mean that banks could never have the protection of the work product doctrine. The Court views the more lenient "because of" test as being capable of accommodating the need for mandatory internal investigations, while at the same time maintaining work product protection where applicable. The Trustee's position in this case, while alluding to the Fourth Circuit's "because of" test, really calls for the application of the Fifth Circuit's more restrictive "primary motivating purpose" test.
Having reviewed all of the documents at issue in camera, the Court finds that the documents listed on Exhibit 2 were created in anticipation of litigation and are covered by the work product doctrine. Further, the Trustee has not demonstrated a substantial need for these documents. The documents on Exhibit 2 need not be produced by Wells Fargo.
III. Documents Covered by Neither the Attorney-Client Privilege Nor the Work Product Doctrine
To a certain, limited extent, Wells Fargo has overplayed its hand, and has claimed attorney-client privilege or work product with respect to a number of documents that do not enjoy either of the foregoing protections. Some examples are:
• E-mails to the Bank's in-house attorney, in which a meeting or telephone call is being scheduled ("Steve [Peckel], I will give you a call in the morning to discuss," or "Steve, I will call you to give you the background").
• Mr. Frazier's (a non-lawyer's) statement to other non-lawyers that, "under its terms, I don't believe the loan can be called based on what we know today." This is Mr. Frazier's opinion; it is neither legal advice nor a request for legal advice from an attorney.
• E-mails relating to the charge-off, or not, of the $8,000,000 loan. The charge-off of a loan, or not, is purely a business function. Although the charge-off of a loan is in some ways related to the litigation (the prospects of success in the litigation will have to be considered in the decision), the documents related to the decision to charge off the loan are not prepared in anticipation of litigation.
• E-mails related to the payment of referral fees for the El-Atari customer relationship do not constitute work product.
• E-mails (within Mr. Frazier's department and neither to nor from counsel) regarding who might be held legally responsible for the deficiencies in the loan documentation, and whether certain personnel other than Mr. Frazier (who, the Court hastens to make clear, was not suspected of any wrongdoing whatsoever) may or may not have been a participant in the fraudulent activity.
• Mr. Frazier's statement (redacted by Wells Fargo) that: "ON OCTOBER 1, COUNSEL RECEIVED A RESPONSE FROM LBL [LINCOLN BENEFIT LIFE] INDICATING THAT THE POLICY COLLATERALLY ASSIGNED TO WACHOVIA HAD NO CASH SURRENDER VALUE. THE POLICY THAT
WAS DELIVERED TO WACHOVIA HAS [A] FALSE POLICY NUMBER AND A FALSE CASH VALUE." (All capitals, and bold type in original). Lincoln Benefit's statement to Wachovia's (Wells Fargo's predecessor's) in-house counsel is not privileged, and Wells Fargo cannot clothe it in privilege or work product because it passed through its counsel's office.
Having reviewed the documents in camera, the Court finds that the documents listed on Exhibit 3 are neither privileged by the attorney-client privilege nor protected by the work product doctrine. The Court will order their production.
IV. The Court Rejects the Trustee's "At Issue" Argument
Finally, the Trustee asserts that Wells Fargo has waived the applicable privileges because it has put its good faith at issue in this litigation, specifically, by asserting the good faith transferee defense to the Trustee's claims under 11 U.S.C. § 548(c). Trustee's Mem., Docket No. 129, pp. 15-16 ("Wells Fargo is asserting the absence of knowledge of El-Atari's planned fraud against Northern Trust; and it cannot make that assertion and at the same time seek to shield those documents which . . . bear high relevance to that defense.") The Court finds that, in this case, the Trustee overstates the "at issue" exception.
The attorney-client privilege can be waived by asserting reliance on counsel as an affirmative defense. United States v. Moazzeni, 2012 WL 6019101, at *9 (E.D. Va. 2012); Botkin v. Donegal Mut. Ins. Co., 2011 WL 2447939, at *6 (W.D. Va. 2011) (citing Rhone-Poulenc Rorer, Inc. v. Home Indem. Co., 32 F.3d 851, 863 (3d Cir.1994)). In Botkin, the Court adopted the three-part test articulated in Hearn v. Rhay, 68 F.R.D. 574 (E.D. Wash. 1975), for determining when a party has impliedly waived the privilege by its own affirmative conduct:
(a) the assertion of privilege was the result of some affirmative act, such as filing suit, by the asserting party; (b) through this act, the asserting party put the protectedId. (quoting Hearn v. Rhay, 68 F.R.D. at 581).
information at issue by making it relevant to the case; and (c) application of the privilege would have denied the opposing party access to information vital to his defense.
The Fourth Circuit recently cited the Rhone-Poulenc Rorer decision with approval, in an unreported opinion. Shaheen v. WellPoint Cos, Inc., 2012 WL 3140306 (4th Cir. 2012).
Here, the most that can be said is that Wells Fargo has asserted that it conducted an investigation before it accepted the funds from Northern Trust. Wells Fargo has not affirmatively asserted an advice of counsel defense (not surprisingly, because there is no such defense to a fraudulent transfer claim). It has not put the advice of its counsel at issue. See, e.g., Moazzeni, 2012 WL 6019101, at *10; LifeNet, Inc. v. Musculoskeletal Transplant Found., Inc., 490 F. Supp. 2d 681, 685 (E.D. Va. 2007) ("Once a party announces that it will rely on advice of counsel . . . in response to an assertion of willful infringement, the attorney-client privilege is waived"). The assertion of a good faith transferee defense under Section 548(c) of the Bankruptcy Code does not in and of itself cause a waiver of the attorney-client privilege and the work product doctrine. There has to be more—some affirmative act to put the attorney's advice at issue in the case.
The Court is confident that the District Court can, and will, prevent any unfair use of counsel's advice at the trial in this matter, in light of the assertion of the attorney-client privilege and the work product doctrine.
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The Court finds that Wells Fargo has not put the advice of its counsel at issue, such that the attorney client privilege and the work product doctrine were waived in this case. The Motion will be denied, insofar as the Trustee claims an "at issue" waiver.
Conclusion
For the foregoing reasons, the Court finds that: (a) the documents on Exhibit 1, attached, are privileged by the attorney-client privilege and need not be produced; (b) the documents on Exhibit 2, attached, are protected by the work product doctrine and need not be produced; (c) the documents on Exhibit 3, attached, are neither privileged nor protected by the work product doctrine, and must be produced within 10 days of the date hereof; and (d) the Motion is denied, insofar as it claims an "at issue" waiver by Wells Fargo. A separate Order will issue. Date: Feb 14 2013
Alexandria, Virginia
________________________
Brian F. Kenney
United States Bankruptcy Judge
Copies to: J. Jonathan Schraub, Esquire
Sands Anderson PC
1497 Chain Bridge Road, Suite 202
McLean, VA 22101
Special Counsel for the Plaintiff
D. Marc Sarata, Esquire
Leach Travell Britt, PC
8270 Greensboro Drive, Suite 700
Tysons Corner, VA 22102
Counsel to Plaintiff
Douglas Paul Lobel, Esquire
Cooley LLP
11951 Freedom Drive
Reston, VA 20190
Counsel for Defendant Wells Fargo Bank, N.A.
EXHIBIT 1
+------------------------+ ¦Document # ¦543¦772¦905 ¦ +-----------+---+---+----¦ ¦ ¦544¦773¦906 ¦ +-----------+---+---+----¦ ¦14 ¦545¦774¦942 ¦ +-----------+---+---+----¦ ¦15 ¦546¦787¦943 ¦ +-----------+---+---+----¦ ¦70 ¦547¦789¦969 ¦ +-----------+---+---+----¦ ¦72 ¦548¦791¦970 ¦ +-----------+---+---+----¦ ¦73 ¦549¦792¦1053¦ +-----------+---+---+----¦ ¦123 ¦565¦793¦1071¦ +-----------+---+---+----¦ ¦159 ¦566¦794¦1072¦ +-----------+---+---+----¦ ¦160 ¦588¦797¦1075¦ +-----------+---+---+----¦ ¦172 ¦589¦798¦1076¦ +-----------+---+---+----¦ ¦179 ¦590¦801¦1085¦ +-----------+---+---+----¦ ¦184 ¦591¦818¦1086¦ +-----------+---+---+----¦ ¦185 ¦592¦819¦1092¦ +-----------+---+---+----¦ ¦194 ¦593¦837¦1093¦ +-----------+---+---+----¦ ¦196 ¦595¦838¦1098¦ +-----------+---+---+----¦ ¦197 ¦626¦839¦1099¦ +-----------+---+---+----¦ ¦260 ¦627¦841¦1105¦ +-----------+---+---+----¦ ¦262 ¦641¦842¦1106¦ +-----------+---+---+----¦ ¦263 ¦685¦843¦1115¦ +-----------+---+---+----¦ ¦264 ¦686¦844¦1116¦ +-----------+---+---+----¦ ¦331 ¦689¦847¦1120¦ +-----------+---+---+----¦ ¦332 ¦690¦848¦1121¦ +-----------+---+---+----¦ ¦333 ¦699¦849¦1122¦ +-----------+---+---+----¦ ¦477 ¦700¦850¦1191¦ +-----------+---+---+----¦ ¦478 ¦701¦851¦1192¦ +-----------+---+---+----¦ ¦518 ¦702¦852¦1257¦ +-----------+---+---+----¦ ¦519 ¦703¦897¦1285¦ +-----------+---+---+----¦ ¦524 ¦759¦898¦1294¦ +-----------+---+---+----¦ ¦525 ¦762¦900¦1295¦ +-----------+---+---+----¦ ¦526 ¦763¦901¦1300¦ +-----------+---+---+----¦ ¦527 ¦770¦902¦1301¦ +-----------+---+---+----¦ ¦542 ¦771¦904¦1313¦ +------------------------+
+-------------------+ ¦1314¦1705¦1821¦2001¦ +----+----+----+----¦ ¦1315¦1713¦1822¦2002¦ +----+----+----+----¦ ¦1393¦1714¦1827¦2003¦ +----+----+----+----¦ ¦1396¦1715¦1828¦2004¦ +----+----+----+----¦ ¦1397¦1716¦1842¦2005¦ +----+----+----+----¦ ¦1428¦1717¦1843¦2026¦ +----+----+----+----¦ ¦1429¦1722¦1857¦2034¦ +----+----+----+----¦ ¦1430¦1723¦1858¦2044¦ +----+----+----+----¦ ¦1431¦1724¦1859¦2045¦ +----+----+----+----¦ ¦1440¦1725¦1860¦2046¦ +----+----+----+----¦ ¦1441¦1726¦1861¦2047¦ +----+----+----+----¦ ¦1488¦1727¦1862¦2049¦ +----+----+----+----¦ ¦1504¦1728¦1863¦2050¦ +----+----+----+----¦ ¦1505¦1729¦1864¦2077¦ +----+----+----+----¦ ¦1508¦1730¦1865¦2081¦ +----+----+----+----¦ ¦1509¦1731¦1874¦2091¦ +----+----+----+----¦ ¦1510¦1732¦1875¦2092¦ +----+----+----+----¦ ¦1511¦1741¦1876¦2093¦ +----+----+----+----¦ ¦1512¦1742¦1922¦2094¦ +----+----+----+----¦ ¦1532¦1743¦1927¦2095¦ +----+----+----+----¦ ¦1533¦1744¦1930¦2096¦ +----+----+----+----¦ ¦1537¦1745¦1931¦2097¦ +----+----+----+----¦ ¦1538¦1746¦1940¦2098¦ +----+----+----+----¦ ¦1542¦1747¦1941¦2099¦ +----+----+----+----¦ ¦1553¦1748¦1948¦2101¦ +----+----+----+----¦ ¦1554¦1749¦1969¦2102¦ +----+----+----+----¦ ¦1557¦1750¦1970¦2127¦ +----+----+----+----¦ ¦1558¦1751¦1980¦2132¦ +----+----+----+----¦ ¦1559¦1752¦1981¦2133¦ +----+----+----+----¦ ¦1564¦1754¦1995¦2134¦ +----+----+----+----¦ ¦1680¦1755¦2000¦2140¦ +-------------------+
EXHIBIT 2
+----------------+ ¦Document # ¦ ¦ +-----------+----¦ ¦126 ¦217 ¦483 ¦ +-----+-----+----¦ ¦127 ¦218 ¦577 ¦ +-----+-----+----¦ ¦128 ¦219 ¦578 ¦ +-----+-----+----¦ ¦129 ¦221 ¦579 ¦ +-----+-----+----¦ ¦130 ¦223 ¦632 ¦ +-----+-----+----¦ ¦131 ¦224 ¦636 ¦ +-----+-----+----¦ ¦132 ¦225 ¦637 ¦ +-----+-----+----¦ ¦133 ¦226 ¦638 ¦ +-----+-----+----¦ ¦149 ¦227 ¦644 ¦ +-----+-----+----¦ ¦150 ¦228 ¦645 ¦ +-----+-----+----¦ ¦151 ¦230 ¦646 ¦ +-----+-----+----¦ ¦153 ¦231 ¦662 ¦ +-----+-----+----¦ ¦154 ¦232 ¦1034¦ +-----+-----+----¦ ¦163 ¦233 ¦1035¦ +-----+-----+----¦ ¦164 ¦234 ¦1036¦ +-----+-----+----¦ ¦175 ¦235 ¦1041¦ +-----+-----+----¦ ¦176 ¦236 ¦1042¦ +-----+-----+----¦ ¦191 ¦237 ¦1043¦ +-----+-----+----¦ ¦192 ¦238 ¦1045¦ +-----+-----+----¦ ¦195 ¦239 ¦1057¦ +-----+-----+----¦ ¦204 ¦240 ¦1372¦ +-----+-----+----¦ ¦209 ¦241 ¦1373¦ +-----+-----+----¦ ¦210 ¦242 ¦1374¦ +-----+-----+----¦ ¦211 ¦243 ¦1376¦ +-----+-----+----¦ ¦212 ¦244 ¦1380¦ +-----+-----+----¦ ¦213 ¦245 ¦1381¦ +-----+-----+----¦ ¦214 ¦246 ¦1382¦ +-----+-----+----¦ ¦215 ¦247 ¦ ¦ +-----+-----+----¦ ¦216 ¦248 ¦ ¦ +----------------+
EXHIBIT 3
+-------------------------------------+ ¦Document # ¦Notes ¦ +------------+------------------------¦ ¦170 ¦ ¦ +------------+------------------------¦ ¦171 ¦ ¦ +------------+------------------------¦ ¦173 ¦Produce redacted portion¦ +------------+------------------------¦ ¦178 ¦Produce redacted portion¦ +------------+------------------------¦ ¦183 ¦Produce redacted portion¦ +------------+------------------------¦ ¦188 ¦ ¦ +------------+------------------------¦ ¦198 ¦ ¦ +------------+------------------------¦ ¦199 ¦ ¦ +------------+------------------------¦ ¦200 ¦ ¦ +------------+------------------------¦ ¦201 ¦ ¦ +------------+------------------------¦ ¦202 ¦ ¦ +------------+------------------------¦ ¦203 ¦ ¦ +------------+------------------------¦ ¦205 ¦ ¦ +------------+------------------------¦ ¦222 ¦ ¦ +------------+------------------------¦ ¦265 ¦ ¦ +------------+------------------------¦ ¦266 ¦ ¦ +------------+------------------------¦ ¦267 ¦Produce redacted portion¦ +------------+------------------------¦ ¦456 ¦ ¦ +------------+------------------------¦ ¦457 ¦ ¦ +------------+------------------------¦ ¦458 ¦Produce redacted portion¦ +------------+------------------------¦ ¦494 ¦ ¦ +------------+------------------------¦ ¦495 ¦ ¦ +------------+------------------------¦ ¦496 ¦ ¦ +------------+------------------------¦ ¦550 ¦Produce redacted portion¦ +------------+------------------------¦ ¦562 ¦Produce redacted portion¦ +------------+------------------------¦ ¦576 ¦Produce redacted portion¦ +------------+------------------------¦ ¦594 ¦Produce redacted portion¦ +------------+------------------------¦ ¦596 ¦Produce redacted portion¦ +------------+------------------------¦ ¦597 ¦ ¦ +------------+------------------------¦ ¦598 ¦ ¦ +------------+------------------------¦ ¦599 ¦Produce redacted portion¦ +-------------------------------------+
+------------------------------+ ¦607 ¦Produce redacted portion ¦ +----+-------------------------¦ ¦611 ¦Produce redacted portion ¦ +----+-------------------------¦ ¦640 ¦ ¦ +----+-------------------------¦ ¦642 ¦Produce redacted portion ¦ +----+-------------------------¦ ¦648 ¦ ¦ +----+-------------------------¦ ¦663 ¦ ¦ +----+-------------------------¦ ¦664 ¦Produce redacted portion ¦ +----+-------------------------¦ ¦728 ¦ ¦ +----+-------------------------¦ ¦729 ¦Produce redacted portion ¦ +----+-------------------------¦ ¦733 ¦Produce redacted portion ¦ +----+-------------------------¦ ¦795 ¦Produce redacted portion ¦ +----+-------------------------¦ ¦829 ¦ ¦ +----+-------------------------¦ ¦830 ¦ ¦ +----+-------------------------¦ ¦831 ¦ ¦ +----+-------------------------¦ ¦832 ¦ ¦ +----+-------------------------¦ ¦833 ¦ ¦ +----+-------------------------¦ ¦834 ¦ ¦ +----+-------------------------¦ ¦835 ¦Produce redacted portion ¦ +----+-------------------------¦ ¦846 ¦Produce redacted portion ¦ +----+-------------------------¦ ¦854 ¦Produce redacted portion ¦ +----+-------------------------¦ ¦859 ¦ ¦ +----+-------------------------¦ ¦872 ¦ ¦ +----+-------------------------¦ ¦873 ¦ ¦ +----+-------------------------¦ ¦874 ¦ ¦ +----+-------------------------¦ ¦875 ¦ ¦ +----+-------------------------¦ ¦876 ¦ ¦ +----+-------------------------¦ ¦877 ¦ ¦ +----+-------------------------¦ ¦878 ¦ ¦ +----+-------------------------¦ ¦879 ¦Produce redacted portion ¦ +----+-------------------------¦ ¦899 ¦Produce redacted portion ¦ +----+-------------------------¦ ¦951 ¦ ¦ +----+-------------------------¦ ¦1008¦Produce redacted portion ¦ +------------------------------+
+-----------------------------------------------------------------------------+ ¦1011¦Produce redacted portion ¦ +----+------------------------------------------------------------------------¦ ¦1015¦Produce redacted portion ¦ +----+------------------------------------------------------------------------¦ ¦1031¦ ¦ +----+------------------------------------------------------------------------¦ ¦1051¦ ¦ +----+------------------------------------------------------------------------¦ ¦1052¦ ¦ +----+------------------------------------------------------------------------¦ ¦1054¦Produce redacted portion ¦ +----+------------------------------------------------------------------------¦ ¦1065¦Produce redacted portion ¦ +----+------------------------------------------------------------------------¦ ¦1082¦Produce redacted portion ¦ +----+------------------------------------------------------------------------¦ ¦1329¦Produce redacted portion ¦ +----+------------------------------------------------------------------------¦ ¦1333¦Produce redacted portion ¦ +----+------------------------------------------------------------------------¦ ¦ ¦Unredact this portion: "Received a response from LBL indicating the ¦ ¦1389¦Policy collaterally assigned to Wachovia had no cash surrender value. ¦ ¦ ¦The Policy that was delivered to Wachovia has false Policy Number and ¦ ¦ ¦false Cash Value." ¦ +----+------------------------------------------------------------------------¦ ¦ ¦Unredact this portion: "Received a response from LBL indicating the ¦ ¦1391¦Policy collaterally assigned to Wachovia had no cash surrender value. ¦ ¦ ¦The Policy that was delivered to Wachovia has false Policy Number and ¦ ¦ ¦false Cash Value." ¦ +-----------------------------------------------------------------------------¦ ¦1392 ¦ +-----------------------------------------------------------------------------¦ ¦1394 Produce redacted portion ¦ +-----------------------------------------------------------------------------¦ ¦ ¦Unredact this portion: "Received a response from LBL indicating the ¦ ¦1400¦Policy collaterally assigned to Wachovia had no cash surrender value. ¦ ¦ ¦The Policy that was delivered to Wachovia has false Policy Number and ¦ ¦ ¦false Cash Value." ¦ +-----------------------------------------------------------------------------+
+-----------------------------------------------------------------------------+ ¦1401¦Produce redacted portion ¦ +----+------------------------------------------------------------------------¦ ¦1470¦ ¦ +----+------------------------------------------------------------------------¦ ¦1472¦ ¦ +----+------------------------------------------------------------------------¦ ¦1473¦ ¦ +----+------------------------------------------------------------------------¦ ¦1474¦ ¦ +----+------------------------------------------------------------------------¦ ¦1475¦ ¦ +----+------------------------------------------------------------------------¦ ¦1476¦ ¦ +----+------------------------------------------------------------------------¦ ¦1477¦ ¦ +----+------------------------------------------------------------------------¦ ¦1478¦ ¦ +----+------------------------------------------------------------------------¦ ¦1479¦Produce redacted portion ¦ +----+------------------------------------------------------------------------¦ ¦1483¦Produce redacted portion ¦ +----+------------------------------------------------------------------------¦ ¦1487¦ ¦ +----+------------------------------------------------------------------------¦ ¦1489¦ ¦ +----+------------------------------------------------------------------------¦ ¦1490¦ ¦ +----+------------------------------------------------------------------------¦ ¦1491¦ ¦ +----+------------------------------------------------------------------------¦ ¦1492¦ ¦ +----+------------------------------------------------------------------------¦ ¦1536¦Produce redacted portion ¦ +----+------------------------------------------------------------------------¦ ¦ ¦Unredact this portion: "Received a response from LBL indicating the ¦ ¦1563¦Policy collaterally assigned to Wachovia had no cash surrender value. ¦ ¦ ¦The Policy that was delivered to Wachovia has false Policy Number and ¦ ¦ ¦false Cash Value." ¦ +----+------------------------------------------------------------------------¦ ¦1578¦ ¦ +----+------------------------------------------------------------------------¦ ¦1579¦ ¦ +----+------------------------------------------------------------------------¦ ¦1584¦ ¦ +----+------------------------------------------------------------------------¦ ¦1634¦ ¦ +----+------------------------------------------------------------------------¦ ¦1635¦Produce redacted portion ¦ +----+------------------------------------------------------------------------¦ ¦1685¦Produce redacted portion ¦ +----+------------------------------------------------------------------------¦ ¦1689¦Produce redacted portion ¦ +----+------------------------------------------------------------------------¦ ¦1691¦Produce redacted portion ¦ +----+------------------------------------------------------------------------¦ ¦1694¦ ¦ +----+------------------------------------------------------------------------¦ ¦1695¦ ¦ +----+------------------------------------------------------------------------¦ ¦1696¦ ¦ +----+------------------------------------------------------------------------¦ ¦1697¦ ¦ +-----------------------------------------------------------------------------+
+------------------------------+ ¦1698¦ ¦ +----+-------------------------¦ ¦1699¦ ¦ +----+-------------------------¦ ¦1700¦ ¦ +----+-------------------------¦ ¦1701¦ ¦ +----+-------------------------¦ ¦1702¦ ¦ +----+-------------------------¦ ¦1703¦ ¦ +----+-------------------------¦ ¦1704¦ ¦ +----+-------------------------¦ ¦1710¦ ¦ +----+-------------------------¦ ¦1711¦ ¦ +----+-------------------------¦ ¦1712¦ ¦ +----+-------------------------¦ ¦1718¦ ¦ +----+-------------------------¦ ¦1719¦ ¦ +----+-------------------------¦ ¦1721¦Produce redacted portion ¦ +----+-------------------------¦ ¦1733¦ ¦ +----+-------------------------¦ ¦1734¦ ¦ +----+-------------------------¦ ¦1735¦ ¦ +----+-------------------------¦ ¦1736¦Produce redacted portion ¦ +----+-------------------------¦ ¦1739¦ ¦ +----+-------------------------¦ ¦1740¦ ¦ +----+-------------------------¦ ¦1753¦ ¦ +----+-------------------------¦ ¦1756¦ ¦ +----+-------------------------¦ ¦1757¦ ¦ +----+-------------------------¦ ¦1758¦ ¦ +----+-------------------------¦ ¦1759¦ ¦ +----+-------------------------¦ ¦1760¦ ¦ +----+-------------------------¦ ¦1761¦ ¦ +----+-------------------------¦ ¦1762¦ ¦ +----+-------------------------¦ ¦1763¦ ¦ +----+-------------------------¦ ¦1764¦ ¦ +----+-------------------------¦ ¦1765¦ ¦ +----+-------------------------¦ ¦1766¦Produce redacted portion ¦ +----+-------------------------¦ ¦1767¦ ¦ +----+-------------------------¦ ¦1773¦Produce redacted portion ¦ +----+-------------------------¦ ¦1776¦ ¦ +----+-------------------------¦ ¦1777¦ ¦ +----+-------------------------¦ ¦1778¦ ¦ +----+-------------------------¦ ¦1779¦ ¦ +------------------------------+
+------------------------------+ ¦1780¦ ¦ +----+-------------------------¦ ¦1781¦ ¦ +----+-------------------------¦ ¦1782¦ ¦ +----+-------------------------¦ ¦1783¦ ¦ +----+-------------------------¦ ¦1784¦ ¦ +----+-------------------------¦ ¦1786¦ ¦ +----+-------------------------¦ ¦1788¦ ¦ +----+-------------------------¦ ¦1789¦ ¦ +----+-------------------------¦ ¦1791¦ ¦ +----+-------------------------¦ ¦1792¦ ¦ +----+-------------------------¦ ¦1793¦ ¦ +----+-------------------------¦ ¦1794¦ ¦ +----+-------------------------¦ ¦1795¦ ¦ +----+-------------------------¦ ¦1796¦ ¦ +----+-------------------------¦ ¦1798¦ ¦ +----+-------------------------¦ ¦1799¦ ¦ +----+-------------------------¦ ¦1800¦ ¦ +----+-------------------------¦ ¦1801¦ ¦ +----+-------------------------¦ ¦1802¦ ¦ +----+-------------------------¦ ¦1803¦ ¦ +----+-------------------------¦ ¦1804¦ ¦ +----+-------------------------¦ ¦1805¦ ¦ +----+-------------------------¦ ¦1806¦ ¦ +----+-------------------------¦ ¦1807¦ ¦ +----+-------------------------¦ ¦1823¦ ¦ +----+-------------------------¦ ¦1824¦ ¦ +----+-------------------------¦ ¦1829¦Produce redacted portion ¦ +----+-------------------------¦ ¦1830¦ ¦ +----+-------------------------¦ ¦1831¦ ¦ +----+-------------------------¦ ¦1832¦Produce redacted portion ¦ +----+-------------------------¦ ¦1833¦ ¦ +----+-------------------------¦ ¦1834¦ ¦ +----+-------------------------¦ ¦1835¦ ¦ +----+-------------------------¦ ¦1836¦ ¦ +----+-------------------------¦ ¦1837¦ ¦ +----+-------------------------¦ ¦1838¦ ¦ +----+-------------------------¦ ¦1839¦ ¦ +------------------------------+
+-------------------------------------------+ ¦1841¦Produce redacted portion ¦ +----+--------------------------------------¦ ¦1844¦Produce redacted portion ¦ +----+--------------------------------------¦ ¦1845¦ ¦ +----+--------------------------------------¦ ¦1846¦Produce redacted portion ¦ +----+--------------------------------------¦ ¦1847¦ ¦ +----+--------------------------------------¦ ¦1848¦ ¦ +----+--------------------------------------¦ ¦1849¦ ¦ +----+--------------------------------------¦ ¦1850¦ ¦ +----+--------------------------------------¦ ¦1851¦ ¦ +----+--------------------------------------¦ ¦1852¦ ¦ +----+--------------------------------------¦ ¦1866¦ ¦ +----+--------------------------------------¦ ¦1867¦ ¦ +----+--------------------------------------¦ ¦1868¦ ¦ +----+--------------------------------------¦ ¦1869¦ ¦ +----+--------------------------------------¦ ¦1870¦ ¦ +----+--------------------------------------¦ ¦1871¦ ¦ +----+--------------------------------------¦ ¦1872¦ ¦ +----+--------------------------------------¦ ¦1873¦ ¦ +----+--------------------------------------¦ ¦1877¦ ¦ +----+--------------------------------------¦ ¦1878¦ ¦ +----+--------------------------------------¦ ¦1879¦ ¦ +----+--------------------------------------¦ ¦1880¦ ¦ +----+--------------------------------------¦ ¦1884¦Produce redacted portion ¦ +----+--------------------------------------¦ ¦1885¦ ¦ +----+--------------------------------------¦ ¦1888¦ ¦ +----+--------------------------------------¦ ¦1889¦Redacted portion need not be produced.¦ +----+--------------------------------------¦ ¦1891¦ ¦ +----+--------------------------------------¦ ¦1892¦ ¦ +----+--------------------------------------¦ ¦1893¦ ¦ +----+--------------------------------------¦ ¦1894¦ ¦ +----+--------------------------------------¦ ¦1895¦ ¦ +----+--------------------------------------¦ ¦1896¦ ¦ +----+--------------------------------------¦ ¦1899¦ ¦ +----+--------------------------------------¦ ¦1900¦ ¦ +----+--------------------------------------¦ ¦1901¦ ¦ +----+--------------------------------------¦ ¦1902¦ ¦ +-------------------------------------------+
+-------------------------------------------+ ¦1903¦ ¦ +----+--------------------------------------¦ ¦1904¦Redacted portion need not be produced.¦ +----+--------------------------------------¦ ¦1905¦Redacted portion need not be produced.¦ +----+--------------------------------------¦ ¦1906¦ ¦ +----+--------------------------------------¦ ¦1907¦ ¦ +----+--------------------------------------¦ ¦1908¦ ¦ +----+--------------------------------------¦ ¦1909¦ ¦ +----+--------------------------------------¦ ¦1910¦ ¦ +----+--------------------------------------¦ ¦1911¦ ¦ +----+--------------------------------------¦ ¦1912¦ ¦ +----+--------------------------------------¦ ¦1913¦ ¦ +----+--------------------------------------¦ ¦1914¦ ¦ +----+--------------------------------------¦ ¦1915¦ ¦ +----+--------------------------------------¦ ¦1916¦ ¦ +----+--------------------------------------¦ ¦1917¦ ¦ +----+--------------------------------------¦ ¦1918¦ ¦ +----+--------------------------------------¦ ¦1919¦ ¦ +----+--------------------------------------¦ ¦1920¦ ¦ +----+--------------------------------------¦ ¦1921¦ ¦ +----+--------------------------------------¦ ¦1925¦ ¦ +----+--------------------------------------¦ ¦1926¦ ¦ +----+--------------------------------------¦ ¦1928¦ ¦ +----+--------------------------------------¦ ¦1934¦ ¦ +----+--------------------------------------¦ ¦1935¦ ¦ +----+--------------------------------------¦ ¦1936¦ ¦ +----+--------------------------------------¦ ¦1937¦ ¦ +----+--------------------------------------¦ ¦1938¦ ¦ +----+--------------------------------------¦ ¦1939¦ ¦ +----+--------------------------------------¦ ¦1942¦ ¦ +----+--------------------------------------¦ ¦1943¦ ¦ +----+--------------------------------------¦ ¦1943¦ ¦ +----+--------------------------------------¦ ¦1944¦ ¦ +----+--------------------------------------¦ ¦1945¦ ¦ +----+--------------------------------------¦ ¦1946¦ ¦ +----+--------------------------------------¦ ¦1947¦ ¦ +-------------------------------------------+
+------------------------------+ ¦1949¦ ¦ +----+-------------------------¦ ¦1950¦ ¦ +----+-------------------------¦ ¦1951¦ ¦ +----+-------------------------¦ ¦1952¦ ¦ +----+-------------------------¦ ¦1953¦ ¦ +----+-------------------------¦ ¦1954¦ ¦ +----+-------------------------¦ ¦1955¦ ¦ +----+-------------------------¦ ¦1956¦ ¦ +----+-------------------------¦ ¦1957¦ ¦ +----+-------------------------¦ ¦1958¦ ¦ +----+-------------------------¦ ¦1959¦ ¦ +----+-------------------------¦ ¦1960¦ ¦ +----+-------------------------¦ ¦1961¦ ¦ +----+-------------------------¦ ¦1962¦ ¦ +----+-------------------------¦ ¦1963¦ ¦ +----+-------------------------¦ ¦1964¦ ¦ +----+-------------------------¦ ¦1965¦ ¦ +----+-------------------------¦ ¦1966¦ ¦ +----+-------------------------¦ ¦1967¦ ¦ +----+-------------------------¦ ¦1968¦ ¦ +----+-------------------------¦ ¦1971¦ ¦ +----+-------------------------¦ ¦1972¦ ¦ +----+-------------------------¦ ¦1973¦ ¦ +----+-------------------------¦ ¦1974¦ ¦ +----+-------------------------¦ ¦1975¦ ¦ +----+-------------------------¦ ¦1976¦ ¦ +----+-------------------------¦ ¦1977¦ ¦ +----+-------------------------¦ ¦1978¦ ¦ +----+-------------------------¦ ¦1979¦ ¦ +----+-------------------------¦ ¦1983¦ ¦ +----+-------------------------¦ ¦1984¦Produce redacted portion ¦ +----+-------------------------¦ ¦1985¦ ¦ +----+-------------------------¦ ¦1987¦ ¦ +----+-------------------------¦ ¦1988¦ ¦ +----+-------------------------¦ ¦1989¦ ¦ +----+-------------------------¦ ¦1990¦ ¦ +----+-------------------------¦ ¦1991¦ ¦ +------------------------------+
+-------------------------------+ ¦1992¦ ¦ +----+--------------------------¦ ¦1993¦ ¦ +----+--------------------------¦ ¦1994¦ ¦ +----+--------------------------¦ ¦2007¦ ¦ +----+--------------------------¦ ¦2008¦ ¦ +----+--------------------------¦ ¦2009¦Produce redacted portion ¦ +----+--------------------------¦ ¦2010¦ ¦ +----+--------------------------¦ ¦2011¦ ¦ +----+--------------------------¦ ¦2012¦ ¦ +----+--------------------------¦ ¦2013¦Produce redacted portion ¦ +----+--------------------------¦ ¦2015¦ ¦ +----+--------------------------¦ ¦2016¦ ¦ +----+--------------------------¦ ¦2017¦Produce redacted portion ¦ +----+--------------------------¦ ¦2020¦Produce redacted portion ¦ +----+--------------------------¦ ¦2023¦ ¦ +----+--------------------------¦ ¦2024¦ ¦ +----+--------------------------¦ ¦2025¦ ¦ +----+--------------------------¦ ¦2030¦Produce redacted portion ¦ +----+--------------------------¦ ¦2031¦ ¦ +----+--------------------------¦ ¦2032¦ ¦ +----+--------------------------¦ ¦2035¦ ¦ +----+--------------------------¦ ¦2036¦ ¦ +----+--------------------------¦ ¦2037¦ ¦ +----+--------------------------¦ ¦2038¦ ¦ +----+--------------------------¦ ¦2039¦ ¦ +----+--------------------------¦ ¦2040¦ ¦ +----+--------------------------¦ ¦2041¦ ¦ +----+--------------------------¦ ¦2053¦ ¦ +----+--------------------------¦ ¦2054¦ ¦ +----+--------------------------¦ ¦2055¦ ¦ +----+--------------------------¦ ¦2056¦ ¦ +----+--------------------------¦ ¦2057¦ ¦ +----+--------------------------¦ ¦2058¦ ¦ +----+--------------------------¦ ¦2059¦ ¦ +----+--------------------------¦ ¦2060¦Produce redacted portions ¦ +----+--------------------------¦ ¦2061¦ ¦ +----+--------------------------¦ ¦2062¦Produce redacted portion ¦ +-------------------------------+
+------------------------------+ ¦2063¦ ¦ +----+-------------------------¦ ¦2064¦ ¦ +----+-------------------------¦ ¦2065¦Produce redacted portion ¦ +----+-------------------------¦ ¦2066¦ ¦ +----+-------------------------¦ ¦2067¦ ¦ +----+-------------------------¦ ¦2068¦ ¦ +----+-------------------------¦ ¦2069¦ ¦ +----+-------------------------¦ ¦2070¦ ¦ +----+-------------------------¦ ¦2071¦ ¦ +----+-------------------------¦ ¦2072¦Produce redacted portion ¦ +----+-------------------------¦ ¦2073¦ ¦ +----+-------------------------¦ ¦2074¦ ¦ +----+-------------------------¦ ¦2075¦ ¦ +----+-------------------------¦ ¦2076¦Produce redacted portion ¦ +----+-------------------------¦ ¦2078¦Produce redacted portion ¦ +----+-------------------------¦ ¦2079¦ ¦ +----+-------------------------¦ ¦2080¦Produce redacted portion ¦ +----+-------------------------¦ ¦2082¦ ¦ +----+-------------------------¦ ¦2083¦ ¦ +----+-------------------------¦ ¦2084¦ ¦ +----+-------------------------¦ ¦2085¦Produce redacted portion ¦ +----+-------------------------¦ ¦2087¦ ¦ +----+-------------------------¦ ¦2088¦Produce redacted portion ¦ +----+-------------------------¦ ¦2090¦Produce redacted portion ¦ +----+-------------------------¦ ¦2100¦ ¦ +----+-------------------------¦ ¦2103¦ ¦ +----+-------------------------¦ ¦2104¦ ¦ +----+-------------------------¦ ¦2105¦ ¦ +----+-------------------------¦ ¦2106¦ ¦ +----+-------------------------¦ ¦2107¦ ¦ +----+-------------------------¦ ¦2108¦ ¦ +----+-------------------------¦ ¦2109¦ ¦ +----+-------------------------¦ ¦2110¦ ¦ +----+-------------------------¦ ¦2111¦ ¦ +----+-------------------------¦ ¦2112¦ ¦ +----+-------------------------¦ ¦2113¦ ¦ +----+-------------------------¦ ¦2114¦ ¦ +------------------------------+
+------------------------------+ ¦2115¦ ¦ +----+-------------------------¦ ¦2116¦ ¦ +----+-------------------------¦ ¦2117¦ ¦ +----+-------------------------¦ ¦2118¦ ¦ +----+-------------------------¦ ¦2119¦ ¦ +----+-------------------------¦ ¦2123¦Produce redacted portion ¦ +----+-------------------------¦ ¦2126¦Produce redacted portion ¦ +----+-------------------------¦ ¦2131¦Produce redacted portion ¦ +----+-------------------------¦ ¦2135¦Produce redacted portion ¦ +----+-------------------------¦ ¦2136¦ ¦ +----+-------------------------¦ ¦2137¦ ¦ +----+-------------------------¦ ¦2138¦ ¦ +----+-------------------------¦ ¦2139¦ ¦ +----+-------------------------¦ ¦2142¦ ¦ +----+-------------------------¦ ¦2143¦ ¦ +----+-------------------------¦ ¦2144¦ ¦ +----+-------------------------¦ ¦2145¦ ¦ +----+-------------------------¦ ¦2146¦ ¦ +----+-------------------------¦ ¦2147¦ ¦ +----+-------------------------¦ ¦2148¦ ¦ +----+-------------------------¦ ¦2149¦ ¦ +----+-------------------------¦ ¦2150¦ ¦ +----+-------------------------¦ ¦2151¦ ¦ +----+-------------------------¦ ¦2154¦ ¦ +----+-------------------------¦ ¦2155¦ ¦ +----+-------------------------¦ ¦2156¦ ¦ +----+-------------------------¦ ¦2157¦ ¦ +----+-------------------------¦ ¦2158¦ ¦ +----+-------------------------¦ ¦2159¦ ¦ +----+-------------------------¦ ¦2160¦ ¦ +----+-------------------------¦ ¦2161¦ ¦ +----+-------------------------¦ ¦2162¦ ¦ +----+-------------------------¦ ¦2163¦Produce redacted portion ¦ +----+-------------------------¦ ¦2164¦ ¦ +----+-------------------------¦ ¦2165¦ ¦ +----+-------------------------¦ ¦2166¦ ¦ +----+-------------------------¦ ¦2167¦ ¦ +------------------------------+
+------------------------------+ ¦2168¦ ¦ +----+-------------------------¦ ¦2169¦Produce redacted portion ¦ +----+-------------------------¦ ¦2172¦ ¦ +----+-------------------------¦ ¦2173¦ ¦ +----+-------------------------¦ ¦2174¦ ¦ +------------------------------+
+------+ ¦2175 ¦¦ +-----+¦ ¦2176 ¦¦ +-----+¦ ¦2177 ¦¦ +-----+¦ ¦2178 ¦¦ +------+