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RE: Snow Deposition

Andrew Wyman <andy@WymanLegalSolutions.com>

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Tue 4/23/2019, 9:07 AM
Larry Schneider q

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Larry, here is the transcript (searchable) for Snow. As for Exhibits, the only exhibit was the
composite exhibit that contained all of the electronic proofs of payment of the K&B invoices by
FAB. My PDF of the exhibits has somehow become damaged and unable to be opened. However, I
have them as a separate PDF (just not with the Exhibit sticker) and I attach them for you here.

PLEASE NOTE THAT BEGINNING MAY 1, 2019 OUR NEW ADDRESS WILL BE:
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From: Larry
allSchneider
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Sent: Monday, April 22, 2019 5:58 PM
To: Andrew Wyman <andy@WymanLegalSoluƟons.com>
Subject: Snow DeposiƟon

Andy,

Do you have a copy of the Snow depo, not the Įled version, as it’s not pdf readable. Also, please send me the
exhibits.

Regards,

Larry Schneider
1st Fidelity Loan Servicing, LLC
2901 Clint Moore Road, Suite 410
Boca Raton, FL 33496
Cell (305) 710-4201
 Frederick Snow
March 19, 2019 ·

IN THE CIRCUIT COURT OF THE FIFTEENTH JUDICIAL CIRCUIT IN

· · · · · · AND FOR PALM BEACH COUNTY, FLORIDA
· · · · · · · ·CASE NO.:· 50-2016-CA-009292
· · · · · · · · · · · · Division AH

FIRST AMERICAN BANK, as

Successor by merger to Bank of
Coral Gables, LLC,

· · · · · Plaintiff,

vs.

LAURENCE S. SCHNEIDER,
STEPHANIE L. SCHNEIDER, et. al,

· · · · · Defendants.
-------------------------------------------/

· · · · · · · · · · · DEPOSITION OF

· · · · · · · · · · FREDERICK M. SNOW

· · · · · · · · ·Tuesday, March 19, 2019

· · · · · · · · ·10:17 a.m. - 11:29 a.m.

· · · · · · · 1900 N.W. Corporate Boulevard

· · · · · · · · Boca Raton, Florida 33431

· · · · · · · Stenographically Reported By:

· · · · · · · · · Lucy M. Lupo, RPR, FPR
· · · · · · ·Registered Professional Reporter
· · · · · · · Florida Professional Reporter

U.S. LEGAL SUPPORT

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 Frederick Snow
March 19, 2019 2

·1· ·APPEARANCES:

·2· · · · On Behalf of the Plaintiff:

· · · · · · · ·KELLER & BOLZ, LLP
·3· · · · · · ·121 Majorca Avenue
· · · · · · · ·Suite 200
·4· · · · · · ·Coral Gables, Florida 33134
· · · · · · · ·BY:· JOHN W. KELLER, III, ESQUIRE
·5

·6

·7· · · · On Behalf of the Plaintiff:

· · · · · · · ·COZEN & O'CONNOR
·8· · · · · · ·One North Clematis Street
· · · · · · · ·Suite 510
·9· · · · · · ·West Palm Beach, Florida 33401
· · · · · · · ·BY:· SIMEON D. BRIER, ESQUIRE
10

11

12· · · · On Behalf of the Defendants:

· · · · · · · ·WYMAN LEGAL SOLUTIONS
13· · · · · · ·955 NW 17th Avenue
· · · · · · · ·Suite C
14· · · · · · ·Delray Beach, Florida 33445
· · · · · · · ·BY:· ANDREW WYMAN, ESQUIRE
15

16

17

18· ·ALSO PRESENT:

19· · · · · · ·Laurence S. Schneider

20

21

22

23

24

25

U.S. LEGAL SUPPORT

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 Frederick Snow
March 19, 2019 3

·1· · · · · · · · · · · INDEX OF PROCEEDINGS

·2· ·Deposition of FREDERICK M. SNOW:· · · · · · · · · PAGE

·3· ·Direct Examination by Mr. Wyman· · · · · · · · · · ·4

·4

·5

·6· ·Certificate of Oath· · · · · · · · · · · · · · · · 33

· · ·Certificate of Reporter· · · · · · · · · · · · · · 34
·7· ·Witness Notification Letter· · · · · · · · · · · · 35
· · ·Errata Sheet· · · · · · · · · · · · · · · · · · · ·36
·8

·9

10· · · · · · · · · · · DEFENDANTS' EXHIBITS

11· ·NUMBER· · · · · DESCRIPTION· · · · · · · · · · · ·PAGE

12· ·1· · · · · · · ·Invoice payments· · · · · · · · · ·22

13

14

15

16

17

18

19

20

21

22

23

24

25

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 Frederick Snow
March 19, 2019 4

·1· · · · · · ·Deposition taken before Lucy M. Lupo,

·2· ·Registered Professional Reporter, Florida Professional
·3· ·Reporter and Notary Public in and for the State of
·4· ·Florida at Large, in the above cause.
·5· · · · · · · · · · · · · ·* * * * *
·6· · · · · · ·THE COURT REPORTER:· Do you swear or affirm
·7· · · · that the testimony you're about to give will be the
·8· · · · truth, the whole truth, and nothing but the truth?
·9· · · · · · ·THE WITNESS:· I do, yes.
10· ·Thereupon,
11· · · · · · ·FREDERICK M. SNOW, having been first duly sworn
12· ·or affirmed, was examined and testified as follows:
13· · · · · · · · · · · DIRECT EXAMINATION
14· ·BY MR. WYMAN:
15· · · · Q.· ·Mr. Snow, good morning.
16· · · · A.· ·Good morning.
17· · · · Q.· ·State your full name for the record.
18· · · · A.· ·Frederick Morrison Snow.
19· · · · Q.· ·Mr. Snow, who is your present employer?
20· · · · A.· ·First American Bank.
21· · · · Q.· ·And how long have you been employed by them?
22· · · · A.· ·I've been with First American Bank since 2006,
23· ·so 13 years.
24· · · · Q.· ·And you're an attorney; is that correct?
25· · · · A.· ·Yes.

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 Frederick Snow
March 19, 2019 5

·1· · · · Q.· ·What's your title with the bank?

·2· · · · A.· ·Executive vice president and general counsel.
·3· · · · Q.· ·How long have you held the general counsel
·4· ·position?
·5· · · · A.· ·The entire time.
·6· · · · Q.· ·And the executive vice president, as well?
·7· · · · A.· ·Well, when I started I was a senior vice
·8· ·president, and then I was promoted executive vice
·9· ·president probably ten years ago.
10· · · · Q.· ·Okay.· What are your job duties as the, I
11· ·guess, executive vice president?· And then we'll ask
12· ·about general counsel.
13· · · · A.· ·Yes.· For the bank and its holding company, I
14· ·am the -- I manage the legal and compliance functions.
15· · · · Q.· ·Okay.· What's your professional address?· Where
16· ·is your office?
17· · · · A.· ·1650 Louis Avenue, Elk Grove Village, Illinois.
18· · · · Q.· ·And at what point did you become involved with
19· ·this collections matter?
20· · · · A.· ·I'd say approximately two years, two to three
21· ·years ago.
22· · · · Q.· ·Okay.· And would that have been after suit was
23· ·filed or leading up to the suit?
24· · · · A.· ·I believe it was before the lawsuit was filed.
25· · · · Q.· ·Okay.

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 Frederick Snow
March 19, 2019 6

·1· · · · A.· ·One of the bankers contacted me concerning the

·2· ·matter.
·3· · · · Q.· ·Okay.· So, then, you weren't involved in this
·4· ·loan during the time it was performing; is that correct?
·5· · · · A.· ·Well, if it was performing, it was at the tail
·6· ·end of performing, let me put it that way.
·7· · · · Q.· ·Okay.
·8· · · · A.· ·Yeah.
·9· · · · Q.· ·And were you involved in the decision as to the
10· ·selection of outside counsel for this collections matter?
11· · · · A.· ·As I recall, I was.
12· · · · Q.· ·Okay.· What went into your decision to utilize
13· ·Keller & Bolz as the collections attorneys on this
14· ·matter?
15· · · · · · ·MR. KELLER:· Object to form.
16· · · · · · ·THE WITNESS:· My selection of Keller & Bolz was
17· · · · based on using them in other matters since, I'm going
18· · · · to say, approximately 2004, 2005, and, so, there were
19· · · · several factors.
20· · · · · · ·One is the quality of their work, I would say
21· · · · the attractive billing rates, especially based on
22· · · · their long experience, and the integrity of the
23· · · · lawyers with the firm.
24· ·BY MR. WYMAN:
25· · · · Q.· ·Had you looked at or considered any law firms

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 Frederick Snow
March 19, 2019 7

·1· ·in Palm Beach County for pursuing this collections

·2· ·matter?
·3· · · · A.· ·No.
·4· · · · · · ·The loan was made in Miami-Dade County.· That's
·5· ·where the bank is located.
·6· · · · Q.· ·Does FAB utilize any attorneys, presently, for
·7· ·collections purposes that are located in Palm Beach
·8· ·County?
·9· · · · A.· ·No.
10· · · · Q.· ·Have they at all engaged counsel in Palm Beach
11· ·County for collections purposes in the last three years?
12· · · · A.· ·No.· It's possible that there's a firm that
13· ·we've used that is in -- Fort Lauderdale might have an
14· ·office.· It's possible.· I just don't know.
15· · · · Q.· ·Understood.
16· · · · A.· ·I work a lot in Southern Wisconsin and Northern
17· ·Illinois, and when I -- as my practice, we travel to
18· ·various counties.· Very seldom do I look at counsel just
19· ·because they happen to be next to the courthouse.
20· · · · Q.· ·Okay.· From your perspective, was there
21· ·anything unique or unusual about this loan or the
22· ·collections file prior to the lawsuit being filed?
23· · · · A.· ·Yes.
24· · · · Q.· ·And what would that have been?
25· · · · A.· ·It was commercial property because it was

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 Frederick Snow
March 19, 2019 8

·1· ·leased.· And it isn't -- it's infrequent that a one- to

·2· ·four-unit residence would be commercial property.
·3· · · · · · ·I'll expand on that on one level.· A one to
·4· ·four residential property is a type of property that
·5· ·lenders typically can package if they wanted to and sell.
·6· ·So it's known in the banking industry as one and four.
·7· · · · · · ·So if you had a four-flat in the city, it's
·8· ·typical that the owner would occupy one unit and maybe
·9· ·lease the others.· But a single-family home, it's not
10· ·that common.
11· · · · Q.· ·Okay.· Now, this is a loan that was originated
12· ·by Bank of Coral Gables; is that correct?
13· · · · A.· ·Yes.
14· · · · Q.· ·And then First American acquired Bank of Coral
15· ·Gables; is that correct?
16· · · · A.· ·Yes.
17· · · · Q.· ·In approximately what year?
18· · · · A.· ·I'm going to say 2015, 2016.
19· · · · Q.· ·Okay.· So, then, is this the -- was this not
20· ·usually the type of loan that First American Bank would
21· ·give?· Meaning, that you had mentioned it's a residence,
22· ·but it's commercial.
23· · · · A.· ·Yeah.· No, it's not unusual for the bank.
24· · · · Q.· ·Okay.
25· · · · A.· ·Well, most residences are owner-occupied.

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 Frederick Snow
March 19, 2019 9

·1· ·That's what I meant.· There are certainly some that are
·2· ·commercial.
·3· · · · Q.· ·Okay.
·4· · · · · · · ·(Mr. Schneider entered the room.)
·5· · · · · · ·MR. KELLER:· Let the record reflect that the
·6· · · · defendant, Mr. Schneider, has arrived, please.
·7· · · · · · ·MR. WYMAN:· This is Laurence Schneider.
·8· · · · · · ·THE WITNESS:· Good morning.
·9· · · · · · ·MR. WYMAN:· Good morning, Larry.
10· ·BY MR. WYMAN:
11· · · · Q.· ·Other than the fact that this was not an
12· ·owner-occupied residence, was there anything else you
13· ·considered to be unusual or unique about this loan prior
14· ·to the collections process starting?
15· · · · A.· ·No.
16· · · · Q.· ·Okay.
17· · · · A.· ·There's one aspect that is different in the --
18· ·not different from other properties in Florida.· But in
19· ·Florida, there is an aspect that the homes and buildings,
20· ·it's important that they be air-conditioned, or you have
21· ·mold problems.· And in Illinois and Wisconsin, we
22· ·typically don't see that.
23· · · · · · ·That would be the only thing I can think of
24· ·where the collateral would be different.
25· · · · Q.· ·Okay.· So how is that pertinent to this

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 Frederick Snow
March 19, 2019 10

·1· ·particular property?

·2· · · · A.· ·It's pertinent because in the course of the
·3· ·litigation, the property was occupied by a tenant.· And
·4· ·in the course of it, I came to understand that
·5· ·Mr. Schneider had terminated the tenancy.
·6· · · · · · ·And so my concern was that if the electricity
·7· ·was shut off and the air conditioning wasn't functioning,
·8· ·the collateral could diminish in value.
·9· · · · Q.· ·Okay.· What caused that concern?· Was it just
10· ·speculation that the air conditioning wouldn't have been
11· ·on?· Or did you have actual information that you
12· ·obtained?
13· · · · A.· ·It was reported that the electricity wasn't on.
14· · · · Q.· ·Reported by whom?
15· · · · A.· ·I don't know.· I don't remember.
16· · · · Q.· ·Okay.· But at some point you were told this
17· ·information that the electricity at the house was not on?
18· · · · A.· ·Yes.
19· · · · Q.· ·I think you said that the tenant -- that
20· ·Mr. Schneider had terminated the tenancy.
21· · · · A.· ·Yeah.
22· · · · Q.· ·But sometime after the lawsuit had been filed.
23· · · · A.· ·I think so, yeah.
24· · · · Q.· ·Okay.· What was the purpose, then, of seeking a
25· ·receiver with the complaint?

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 Frederick Snow
March 19, 2019 11

·1· · · · A.· ·Well, that was the purpose, to make -- there

·2· ·were actually two purposes.· One is to preserve the
·3· ·collateral.· And as I understand it, the rent that was
·4· ·being charged was in excess of the cost to maintain the
·5· ·property and the interest on the loan, so that part of
·6· ·the rent could have been used to pay down principal.
·7· · · · · · ·So it would be the preservation of the property
·8· ·and reducing the principal on the loan.
·9· · · · Q.· ·Okay.· So there was a motion that had been
10· ·filed relating to the rent payments to have them
11· ·redirected to the bank, separate from the appointment of
12· ·a receiver; is that your understanding?
13· · · · A.· ·No.
14· · · · Q.· ·Okay.· Are you aware that the bank obtained an
15· ·order to receive the rent payments?
16· · · · A.· ·Yes.
17· · · · Q.· ·Okay.
18· · · · A.· ·That was -- we had, as I recall, filed a motion
19· ·for receiver, and the judge gave us the assignment of the
20· ·rents and the right to inspect, which was acceptable to
21· ·the bank --
22· · · · Q.· ·But otherwise --
23· · · · A.· ·-- at that point in time.
24· · · · Q.· ·Okay.· But it otherwise denied the motion for
25· ·the receiver twice.

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 Frederick Snow
March 19, 2019 12

·1· · · · A.· ·Well, see, I would say that, in my experience,

·2· ·if we ask for a receiver and the judge gives us the rents
·3· ·and the ability to inspect the property, that would mean
·4· ·we prevailed.· That's how I would view it.
·5· · · · Q.· ·Okay.· But you are aware that the motions
·6· ·themselves were denied by the court to have a receiver
·7· ·appointed.
·8· · · · A.· ·I'm not aware because of the order we got. I
·9· ·would submit that we prevailed in what was important,
10· ·which was the preservation of the collateral and the
11· ·collection of the rent.
12· · · · Q.· ·Okay.· Was a receiver ever appointed?
13· · · · A.· ·No, because we got -- the judge prevailed on
14· ·our motion by giving the bank -- in other words, the key
15· ·to the receivership is to get the rent and apply it, and
16· ·to have a responsible party make sure the electricity is
17· ·on and that the property is being maintained.· That's the
18· ·essence.
19· · · · · · ·Whether it's through a receivership or the
20· ·tenant paying the rent directly and having somebody
21· ·inspect the property with access, you know, it's not very
22· ·different, from my perspective.· So I would say it was --
23· ·in my view, it was not denied.· It was changed, amended.
24· · · · Q.· ·Okay.· And so there was a determination that
25· ·the bank was allowed to do inspections of the property,

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 Frederick Snow
March 19, 2019 13

·1· ·correct?
·2· · · · A.· ·Yes.
·3· · · · Q.· ·Do you know if they -- were inspections done?
·4· ·Do you know how many or how frequently?
·5· · · · A.· ·No, I can't tell you how frequently.
·6· · · · · · ·I have a lot on my plate, so things come --
·7· · · · Q.· ·Fair enough.· Just what you remember.
·8· · · · A.· ·And I hear that the property was inspected.
·9· · · · · · ·I know that there was one issue because it was
10· ·a gated community, so there had to be some coordination.
11· ·I was aware of that.
12· · · · Q.· ·Okay.· And were there appraisals of the
13· ·property done, as well, during the course of the
14· ·litigation?
15· · · · A.· ·I don't know.· I don't recall one.
16· · · · Q.· ·Okay.· So from the bank's perspective, they
17· ·considered this a commercial loan.
18· · · · A.· ·Yes.
19· · · · Q.· ·And the loan amount was a million and a half,
20· ·correct, ultimately?
21· · · · A.· ·That would be an approximate.
22· · · · Q.· ·Approximate.· Okay.
23· · · · A.· ·It could be above or below that.
24· · · · Q.· ·Is that considered a large loan, by First
25· ·American Bank's standards?

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 Frederick Snow
March 19, 2019 14

·1· · · · A.· ·A lot of loans are much bigger now, a lot of

·2· ·loans are much smaller.
·3· · · · Q.· ·As far as commercial loans go?
·4· · · · A.· ·Whether they're residential or commercial, that
·5· ·would be a larger than average residential loan.· But a
·6· ·small commercial loan or medium-sized commercial loan?
·7· · · · · · ·I mean, we have a lot of residential and
·8· ·commercial loans that would be -- well, commercial loans
·9· ·that would be tens of thousands or hundreds of thousands.
10· · · · Q.· ·A couple of names I've seen in some of the
11· ·billing records that I want to ask you about --
12· · · · A.· ·Yes.
13· · · · Q.· ·-- who these people are.
14· · · · · · ·Who is Gary Smith?
15· · · · A.· ·Gary Smith is a manager who typically works in
16· ·residential real estate for our bank.
17· · · · Q.· ·And was that his role at that time when -- or
18· ·at the time that the loan went to collections, was
19· ·Mr. Smith -- he was generally residential real estate
20· ·loans?
21· · · · A.· ·Generally residential.
22· · · · · · ·I can't tell you his exact title.· He was a
23· ·senior manager.
24· · · · Q.· ·Okay.· So even though this was, what you're
25· ·telling me, a commercial loan, it was being handled by a

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 Frederick Snow
March 19, 2019 15

·1· ·residential loan officer?· Is he a loan officer?· Is that

·2· ·fair?
·3· · · · A.· ·Yes.· Yes.
·4· · · · · · ·And the reason is, because the collateral is a
·5· ·one-four-unit residence.
·6· · · · Q.· ·Sure.· So the commercial, residential
·7· ·distinction is a little blurry in this instance?
·8· · · · A.· ·Yes, a little bit.
·9· · · · Q.· ·Okay.· Who is Brian Hagen (phonetic), if you
10· ·know?
11· · · · A.· ·Yes.
12· · · · Q.· ·Okay.· Who is that?
13· · · · A.· ·Brian Hagen runs our commercial banking
14· ·division in Coral Gables.
15· · · · Q.· ·Who was responsible for overseeing this loan?
16· ·Was it Mr. Smith?
17· · · · A.· ·As I recall, it was Brian Hagen.· And then, I
18· ·believe, Brian asked Mr. Smith to oversee it.
19· · · · Q.· ·Okay.· So Mr. Hagen, was he a manager of
20· ·Mr. Smith's?
21· · · · A.· ·No, not a direct manager.· He would be more
22· ·senior.
23· · · · Q.· ·Okay.
24· · · · A.· ·So Brian Hagen, I would say, is a senior
25· ·commercial banker for the bank.

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March 19, 2019 16

·1· · · · Q.· ·Okay.· Were either of those gentlemen with the

·2· ·Bank of Coral Gables when FAB acquired them?
·3· · · · A.· ·No.
·4· · · · Q.· ·And a Mr. Jergenson (phonetic).· Do you know
·5· ·who that might reference?
·6· · · · A.· ·No.
·7· · · · Q.· ·Thomas Wells?
·8· · · · A.· ·Yes.· He's the chairman and chief executive
·9· ·officer of First American Bank.
10· · · · Q.· ·I saw at least eight or nine instances where
11· ·his name shows up in the billing records from Keller &
12· ·Bolz, where he had been involved in communications,
13· ·conversations.· It looked like mostly phone calls.
14· · · · A.· ·Yes.
15· · · · Q.· ·Is that unusual that the chairman and CEO of
16· ·the bank would be involved in a collections matter such
17· ·as this one?
18· · · · A.· ·No.
19· · · · · · ·The reason it's not unusual is because there
20· ·are the two senior officers of the bank.· And one
21· ·oversees, mainly, wealth management and commercial.· And
22· ·Tom Wells oversees several apartments including
23· ·residential real estate.· So he would be involved in --
24· ·he would tend to be involved in collections that were
25· ·like this one- to four-unit residences.

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March 19, 2019 17

·1· · · · Q.· ·Okay.· So does he also oversee commercial real

·2· ·estate loans?
·3· · · · A.· ·No.· That is another banker.
·4· · · · Q.· ·Okay.
·5· · · · A.· ·We're a very flat organization.· We don't have
·6· ·a lot of levels of management.· And I would say the
·7· ·senior managers of the bank are probably about eight
·8· ·people.· And we communicate almost daily with each other
·9· ·on various things.
10· · · · Q.· ·Okay.
11· · · · A.· ·Yeah.
12· · · · Q.· ·Understanding that he oversees residential real
13· ·estate, is it unusual, though, that he would actually get
14· ·on the phone and be involved in phone calls with counsel
15· ·on the ground, so to speak, as opposed to just receiving
16· ·reports and having people that work for him report up to
17· ·him?
18· · · · A.· ·No, it's not unusual.
19· · · · · · ·He certainly knows Mr. Keller.· And he's a
20· ·great guy to work for because he's always looking to take
21· ·work off my desk instead of the other way around.
22· · · · Q.· ·Right.
23· · · · A.· ·So he's -- maybe almost surprising for a
24· ·chairman, he will perform activities that he might expect
25· ·me to do or somebody on my staff to do.

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·1· · · · Q.· ·So, then, the property and the loan is being
·2· ·overseen by a residential real estate loan officer, and
·3· ·then, ultimately, being overseen by Mr. Wells who
·4· ·oversees only the residential real estate loans?
·5· · · · A.· ·Well, he's the chairman of the bank.· So,
·6· ·ultimately, the gentleman that oversees commercial
·7· ·reports to Mr. Wells.· So it's more of an informal
·8· ·designation.
·9· · · · Q.· ·Is it unusual for the bank to seek receivership
10· ·in a situation where -- in a residential -- over a piece
11· ·of residential real estate?
12· · · · · · ·MR. KELLER:· Object to form.
13· · · · · · ·THE WITNESS:· No.
14· · · · · · ·Well, it's an unusual -- it is less than
15· · · · average, or 50 percent.· You wouldn't have -- because
16· · · · it's so rare to have the situation, it's commercial
17· · · · or it's an investment property, and you have a
18· · · · tenant, that's what makes it unusual.
19· · · · · · ·It's very common in investment real estate for
20· · · · the bank to ask for a receiver.· And whether there's
21· · · · a receiver or whether the rent is turned over, the
22· · · · bank is generally pleased with that result.
23· ·BY MR. WYMAN:
24· · · · Q.· ·Okay.
25· · · · A.· ·As you may realize, it's more economical to

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·1· ·have the rent turned over and have the right to inspect,
·2· ·because the receiver will cost money.
·3· · · · Q.· ·Of course.
·4· · · · A.· ·So in cases where it's appropriate, it's
·5· ·beneficial to the bank.· In some cases, it's an advantage
·6· ·to the bank not to have a receiver because you're saving
·7· ·that cost.
·8· · · · Q.· ·Okay.· And I think maybe I just wanted to
·9· ·understand and that I heard you correctly.
10· · · · · · ·The relationship between FAB and Keller & Bolz
11· ·goes back to 2004?· Is that what I understood?· To your
12· ·knowledge.
13· · · · A.· ·To my knowledge it would be approximately 2004,
14· ·2005.· And, actually, now that I think about it, it's
15· ·probably more likely to be 2005, because I started with
16· ·the bank -- it was about the time I started with the
17· ·bank.
18· · · · Q.· ·Okay.
19· · · · A.· ·And that was, as I recall, the end of 2000 --
20· ·it could even be 2006.· But 2005, 2006 is probably --
21· ·gosh.
22· · · · · · ·Let's see.
23· · · · · · ·2005 or 2006.
24· · · · Q.· ·Okay.
25· · · · A.· ·It's about the same time I started with the

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·1· ·bank.
·2· · · · Q.· ·Right.· Okay.
·3· · · · · · ·So First American Bank already had a presence
·4· ·down here in Florida before the acquisition of the Bank
·5· ·of Coral Gables.
·6· · · · A.· ·Yes, that's true.
·7· · · · Q.· ·Is there a written retainer agreement in place
·8· ·between FAB and Keller & Bolz related to this matter?
·9· · · · A.· ·No.
10· · · · Q.· ·Okay.· Is there, though -- unrelated to this
11· ·matter, is there a retainer agreement in place for other
12· ·collections matters?
13· · · · A.· ·I recall that we had an engagement letter with
14· ·Keller & Bolz with respect to a collection matter.
15· · · · Q.· ·Meaning at once, like, a singular incident?
16· · · · A.· ·Yes.
17· · · · Q.· ·Okay.· So your course of dealing, your history
18· ·in dealing with Keller & Bolz, there is not a -- you're
19· ·used to giving them collections matters without there
20· ·being a written retainer agreement in place.
21· · · · A.· ·Yes.· But I've used Keller & Bolz in collection
22· ·matters, yeah.
23· · · · Q.· ·All right.· And what is your understanding of
24· ·the terms and representation for this particular -- for
25· ·the Schneider matter?

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·1· · · · A.· ·Well, the terms would be they would bill at

·2· ·their billing rates by the hour, or a fraction of the
·3· ·hour, for the work that was performed.· And then included
·4· ·would be if there were any out-of-pocket expenses.
·5· · · · Q.· ·What's your understanding of what the hourly
·6· ·rates were that were being billed to the bank for this
·7· ·matter?
·8· · · · A.· ·Well, Keller & Bolz has three attorneys.· And I
·9· ·recall that the partners have the same billing rate, and
10· ·that the associate has a lower billing rate.· And they
11· ·have paralegal.
12· · · · · · ·I can't tell you the exact amount.· I think
13· ·that the partners bill at a rate that would be in the
14· ·mid-$300 per hour.
15· · · · Q.· ·Is that the rate that they bill the bank on
16· ·other collections matters, as well?
17· · · · A.· ·Yes.· I believe that their rates have increased
18· ·once in the years that I've worked with them.· That was
19· ·many years ago.· The increase was prior to this matter.
20· · · · Q.· ·Okay.· Upon the increase, that's something they
21· ·discussed with you, and you agreed and approved it.
22· · · · A.· ·Yes.
23· · · · Q.· ·Okay.
24· · · · · · ·MR. WYMAN:· John, when I had been e-mailing
25· · · · with Henry, he indicated that a verification page of

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·1· ·the interrogatories was coming with you guys today.

·2· ·Did he mention that to you?
·3· · · · MR. KELLER:· He e-mailed it to you yesterday.
·4· ·But I brought the originals if you want to look at
·5· ·them.
·6· · · · MR. WYMAN:· Well, I have -- nothing's changed
·7· ·in the answers to interrogatories?
·8· · · · MR. KELLER:· No.
·9· · · · It's my understanding that was sent to you
10· ·yesterday by e-mail.
11· · · · MR. WYMAN:· Oh, I don't -- okay.
12· · · · MR. KELLER:· Here it is now.
13· · · · MR. WYMAN:· All right.· I don't think I saw it.
14· · · · MR. KELLER:· But nothing changed in the
15· ·contents.
16· · · · MR. WYMAN:· Okay.· The answers also still have
17· ·the attachments to them?
18· · · · MR. KELLER:· Correct.
19· · · · MR. WYMAN:· Okay.
20· · · · MR. KELLER:· For the record, we're talking
21· ·about the notice of service of answers to
22· ·interrogatories, under certificate date of
23· ·February 7, 2019, to which the answers were provided
24· ·under certificate dated 11th day of March 2019.
25· · · · (Defendants' Composite Exhibit 1, invoice

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·1· · · · payments, was marked for identification.)

·2· ·BY MR. WYMAN:
·3· · · · Q.· ·If I can show you what I've just marked for
·4· ·identification -- after your counsel looks at it -- as
·5· ·Composite Exhibit 1 to the deposition.
·6· · · · · · ·If you can flip through this Composite
·7· ·Exhibit 1, and let me know if you recognize what these
·8· ·documents are.
·9· · · · A.· ·Okay.· The document I'm looking at is a
10· ·collection of -- I don't know -- let's say 20 pages, and
11· ·each are labeled "automatic invoice payment notice."
12· · · · Q.· ·Okay.· Are these bank records, records from
13· ·FAB?
14· · · · A.· ·I don't know.
15· · · · Q.· ·So you haven't seen documents like this before?
16· · · · A.· ·No.
17· · · · Q.· ·Okay.· I'll just represent to you that these
18· ·were produced to us in the course of this litigation
19· ·relating to the issue of attorneys fees.
20· · · · A.· ·By the way, they could be from us.
21· · · · Q.· ·Oh, okay.
22· · · · A.· ·I just don't deal in them.
23· · · · Q.· ·You're not familiar with the form?
24· · · · A.· ·Not familiar with the form of them, yeah.
25· · · · Q.· ·Okay.· I'll just represent to you they were

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·1· ·produced to us by your counsel during the course of

·2· ·litigation for the attorneys' fees issue, representing to
·3· ·us that these were, I guess, proofs of payment made by
·4· ·the bank to Keller & Bolz for invoices throughout the
·5· ·litigation.
·6· · · · A.· ·Yes.· I'm not contesting it.· We keep very good
·7· ·records.· I don't always see the records in paper form.
·8· ·I just don't see them.
·9· · · · Q.· ·Okay.· When invoices were generated on this
10· ·matter and submitted to the bank, would they go to you?
11· · · · A.· ·I recall that the invoices -- I can't tell you
12· ·the initial invoices.· They might have gone just to me.
13· ·But in the course of litigation, they would go to Gary
14· ·Smith and to me simultaneously by e-mail.
15· · · · Q.· ·Okay.
16· · · · A.· ·And it may even have been that initially they
17· ·came by mail to me.· But I just cannot remember exactly.
18· ·But I think most of them came to me by e-mail.
19· · · · Q.· ·And then internally, what's the process for
20· ·approving the invoices?
21· · · · A.· ·Yes.· Well -- and when you say "invoices," are
22· ·you saying for legal fees?
23· · · · Q.· ·Yes.· Specifically this matter.
24· · · · A.· ·Oh, okay.· Because depending on the matter, it
25· ·might be handled differently.

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·1· · · · Q.· ·Right.

·2· · · · A.· ·What happened -- Gary is an experienced
·3· ·manager.· And he gets invoices on matters that he and his
·4· ·department are managing, and I generally won't see those.
·5· · · · Q.· ·"Won't," you said?
·6· · · · A.· ·Will not see those.
·7· · · · Q.· ·Okay.
·8· · · · A.· ·And in my -- and some of those will be reviewed
·9· ·by a lawyer that works for me, or me, but he would be
10· ·asked.· But because of the commercial nature of it, he
11· ·asked me to review the bills.· So on this case, I
12· ·reviewed the invoices.
13· · · · Q.· ·Okay.
14· · · · A.· ·And Gary would process the payments.· And by
15· ·processing them -- I would review them and that would be
16· ·it, and then he would process them for payment and it
17· ·would go into the loan system.
18· · · · Q.· ·Okay.· So part of your review is for approving
19· ·the payment of the invoices; is that correct?
20· · · · A.· ·Yes.
21· · · · Q.· ·Okay.· So you review them, you approve them,
22· ·you tell Gary, "They're okay.· Please process the
23· ·payments."
24· · · · A.· ·Yes.
25· · · · Q.· ·Okay.· At any point during the course of the

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·1· ·litigation, did you find any of the amounts being

·2· ·invoiced to the bank on this matter objectionable?
·3· · · · A.· ·No.
·4· · · · Q.· ·Okay.· Ballparking it here, based on what the
·5· ·fee claim is, it looks like the claim is in excess of a
·6· ·half-million dollars in fees.
·7· · · · A.· ·Yes.
·8· · · · Q.· ·Okay.· Did you think that the hours that were
·9· ·put into this matter were necessary?
10· · · · A.· ·Yes.
11· · · · Q.· ·And what's that feeling based upon?
12· · · · A.· ·When I look at necessity, I look at what the --
13· ·there's several elements, but we're filing a collection
14· ·action, that's one aspect.· And then we have to respond
15· ·to counterclaim defenses, that sort of thing, that the
16· ·other party might bring.
17· · · · · · ·So I look at the necessity and the
18· ·reasonableness of the fees related to the issues that are
19· ·raised in the matter.
20· · · · Q.· ·From your experience relating to collections
21· ·matters and foreclosures here in South Florida, was the
22· ·billing on this file, or the amounts billed, higher than
23· ·what you typically see?
24· · · · · · ·MR. KELLER:· Object to form.
25· · · · · · ·THE WITNESS:· First of all, I'm going to say I

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·1· · · · don't know if I can say what's typical, because we

·2· · · · haven't had a large volume of litigation matters in
·3· · · · South Florida compared to Illinois and possibly other
·4· · · · states and Wisconsin.· But I would say for a
·5· · · · commercial collection, it is not that unusual.
·6· ·BY MR. WYMAN:
·7· · · · Q.· ·How about for a residential collection?
·8· · · · A.· ·It would be higher than average for a
·9· ·residential -- for a residential real estate collection.
10· · · · · · ·It's unusual -- as I recall, there were
11· ·something, 12, 13, or 14 identifiable counterclaims or
12· ·affirmative defenses, and that's unusual, and the matter
13· ·went up on appeal.· There were aspects of it that would
14· ·be unusual for a residential real estate collection.
15· · · · Q.· ·Right.
16· · · · A.· ·Not as unusual for a commercial collection.
17· · · · Q.· ·Okay.· In reviewing the invoices and the time
18· ·being claimed on this matter, I observed that there were
19· ·approximately 93 hours put into this file from the point
20· ·it went to Keller & Bolz as a collection matter to the
21· ·day the complaint was filed.
22· · · · · · ·Do you consider that to be excessive?
23· · · · A.· ·No.· It all depends on what was involved.
24· · · · Q.· ·By that point in time, there's been --
25· ·certainly before the complaint is filed, there's been no

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·1· ·counterclaim, there's no answer, there's no defenses.

·2· ·There's whatever the bank deemed necessary to get the
·3· ·lawsuit moving.
·4· · · · A.· ·Essentially, when you're working out a loan --
·5· ·and when I say "working out," I mean pre-litigation.· We
·6· ·often see borrowers or counsel raise various legal
·7· ·issues.· That would be frequent.
·8· · · · Q.· ·You said raised by borrowers or counsel?
·9· · · · A.· ·Or their counsel.
10· · · · Q.· ·Or their counsel.· Okay.
11· · · · · · ·From your recollection, did Mr. Schneider have
12· ·counsel at that point in time, pre-litigation?
13· · · · A.· ·I don't remember.
14· · · · Q.· ·Okay.
15· · · · · · ·MR. WYMAN:· Let's take a break for a few
16· · · · minutes.
17· · · · · · ·(A recess was held at 10:56 a.m. to 11:25 a.m.)
18· ·BY MR. WYMAN:
19· · · · Q.· ·Just a couple of other things I forgot to ask
20· ·about.
21· · · · A.· ·Yes.
22· · · · Q.· ·Another name in the records that we saw.
23· · · · · · ·David Roubitchek.· Do you know who this is?
24· · · · A.· ·Yes.· But it would be Don Roubitchek.
25· · · · Q.· ·And who is Don Roubitchek?

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·1· · · · A.· ·Don Roubitchek is now the retired chief

·2· ·financial officer of First American Bank.
·3· · · · Q.· ·When did he retire?
·4· · · · A.· ·About a year ago.
·5· · · · Q.· ·At some point during the course of the
·6· ·litigation?
·7· · · · A.· ·Yeah, probably.
·8· · · · Q.· ·But he had some involvement with certain
·9· ·communications, phone calls, regarding this case, as
10· ·well, when he was active?
11· · · · A.· ·He could have, but none that I was aware of.
12· · · · Q.· ·Okay.· So, again -- and I know that you're sort
13· ·of at the, what you described, as a handful of executives
14· ·involved in all the operations of the business.
15· · · · A.· ·Yes.
16· · · · Q.· ·Again, is it unusual to have a CEO and a CFO of
17· ·the bank involved in a residential foreclosure?
18· · · · · · ·MR. KELLER:· Asked and answered.
19· · · · · · ·MR. WYMAN:· I didn't ask about the CFO until
20· · · · just now.
21· · · · · · ·THE WITNESS:· Well, it would not be unheard of.
22· · · · It wouldn't be common, put it that way.
23· ·BY MR. WYMAN:
24· · · · Q.· ·Okay.· And just to jump around a bit.
25· · · · A.· ·Yeah.

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·1· · · · Q.· ·Just touching back briefly about the

·2· ·relationship with Keller & Bolz and First American Bank.
·3· · · · A.· ·Yes.
·4· · · · Q.· ·Approximately, I guess, over the past five
·5· ·years, approximately, how many foreclosure matters have
·6· ·Keller & Bolz handled for First American Bank?
·7· · · · A.· ·Okay.· In the last five years?
·8· · · · Q.· ·Yeah.
·9· · · · A.· ·I mean, I'm not sure I can remember all of
10· ·them.· I think I could recall three.
11· · · · Q.· ·Okay.
12· · · · A.· ·Three matters.
13· · · · Q.· ·Okay.· And I guess one last thing.· In looking
14· ·through the time records, I had pulled out instances of
15· ·communications that the firm had had with you --
16· · · · A.· ·Yes.
17· · · · Q.· ·-- either through e-mail or through telephone
18· ·conferences, and I totaled up over 150 of them for this
19· ·matter.· And --
20· · · · A.· ·So I understand.
21· · · · Q.· ·Sure.
22· · · · A.· ·150, you mean -- when you say that, time
23· ·entries?· Is that what you're talking about?
24· · · · Q.· ·Time entries where your name came up, again,
25· ·related to either communication.· Mostly it's e-mails

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·1· ·instead of phone calls.

·2· · · · A.· ·Yes.
·3· · · · Q.· ·And, again, I had asked you whether or not that
·4· ·is usual for residential foreclosure?
·5· · · · · · ·MR. KELLER:· Object to form.
·6· · · · · · ·THE WITNESS:· It would not be unusual, if I'm
·7· · · · involved in the case, to have that many
·8· · · · communications over the time period that we're
·9· · · · talking about.· So I'd say no, it's not unusual.
10· · · · · · ·MR. WYMAN:· Okay.· I don't have any other
11· · · · questions.
12· · · · · · ·MR. KELLER:· No questions.
13· · · · · · ·But I stand corrected.· I was given these to
14· · · · serve them to you.
15· · · · · · ·MR. WYMAN:· Oh, okay.
16· · · · · · ·MR. KELLER:· Meaning, I'm giving Attorney Wyman
17· · · · the notice of service of answers to interrogatories
18· · · · with a good color copy of the signature page.
19· · · · · · ·MR. WYMAN:· Fair enough.· Thank you.
20· · · · · · ·MR. KELLER:· Sorry.
21· · · · · · ·MR. WYMAN:· That's all right.
22· · · · · · ·THE COURT REPORTER:· Counsel, are you ordering
23· · · · at this time?
24· · · · · · ·MR. WYMAN:· Let me discuss that with my client.
25· · · · · · ·MR. KELLER:· And you've got one set of exhibits

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·1· · · · there.
·2· · · · · · ·If he orders it, I would like a copy, please.
·3· · · · · · ·THE COURT REPORTER:· Thank you.
·4
·5· · · · · · ·(The deposition was concluded at 11:29 a.m.)
·6
·7· ·(Reading and signing of the deposition was not waived by
·8· · · · · · · · ·the witness and all parties.)
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·1· · · · · · · · · · ·CERTIFICATE OF OATH

·2

·3· ·STATE OF FLORIDA· · · · · · · )

·4· ·COUNTY OF PALM BEACH· · · · · )

·5

·6· · · · I, Lucy M. Lupo, Registered Professional Reporter,

·7· ·Florida Professional Reporter, Notary Public, State of

·8· ·Florida, certify that FREDERICK M. SNOW personally

·9· ·appeared before me on the 19th day of March, 2019, and

10· ·was duly sworn.

11· · · · Signed this 21st day of March, 2019.

12

13

14

15

16

17

18

19

20

21· · · · · · ·____________________________
· · · · · · · ·Lucy M. Lupo, RPR, FPR
22· · · · · · ·Notary Public - State of Florida
· · · · · · · ·Commission No.:· FF 930750
23· · · · · · ·Commission Expires:· November 14, 2019

24

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·1· · · · · · · · · · CERTIFICATE OF REPORTER

·2

·3· ·STATE OF FLORIDA· · · · · · · · · ·)

·4· ·COUNTY OF PALM BEACH· · · · · · · ·)

·5

·6· · · · I, Lucy M. Lupo, Registered Professional Reporter,

·7· ·Florida Professional Reporter, certify that I was

·8· ·authorized to and did stenographically report the

·9· ·deposition of FREDERICK M. SNOW, pages 1 through 32; that

10· ·a review of the transcript was not requested; and that

11· ·the transcript is a true record of my stenographic notes.

12

13· · · · I further certify that I am not a relative, employee,

14· ·attorney, or counsel of any of the parties, nor am I a

15· ·relative or employee of any of the parties' attorneys or

16· ·counsel connected with the action, nor am I financially

17· ·interested in the action.

18

19· · · · · · ·Dated this 21st day of March, 2019.

20

21

22
· · · · · · · ·_____________________________
23· · · · · · ·LUCY M. LUPO, RPR, FPR
· · · · · · · ·Registered Professional Reporter
24· · · · · · ·Florida Professional Reporter

25

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·1· · · · · · · · · WITNESS NOTIFICATION LETTER

·2

·3· ·March 21, 2019

·4

·5· ·FREDERICK M. SNOW

· · ·c/o JOHN W. KELLER, III, ESQUIRE
·6· ·KELLER & BOLZ, LLP
· · ·121 Majorca Avenue
·7· ·Suite 200
· · ·Coral Gables, Florida 33134
·8

·9· ·IN RE:· First American Bank vs. Schneider

· · · · · · ·Deposition taken on March 19, 2019
10· · · · · ·U.S. Legal Support Job # 1894379

11

12· ·The transcript of the above proceeding is now available

· · ·for your review.
13
· · ·Please call to schedule an appointment between the hours
14· ·of 9:00 a.m. and 4:00 p.m., Monday through Friday, at a
· · ·U.S. Legal Support office located nearest you.
15
· · ·Please complete your review within a reasonable time.
16

17· ·Sincerely,

18· ·Lucy M. Lupo, RPR, FPR

· · ·U.S. Legal Support, Inc.
19· ·444 West Railroad Avenue, Suite 300
· · ·West Palm Beach, Florida 33401
20· ·(561) 835-0220

21
· · ·CC via transcript:
22· ·ANDREW WYMAN, ESQ.
· · ·JOHN W. KELLER, III, ESQ.
23

24

25

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 Frederick Snow
March 19, 2019 36

·1· · · · · · · · · · · · · ERRATA SHEET

·2· ·DO NOT WRITE ON THE TRANSCRIPT~ENTER CHANGES ON THIS PAGE

·3· · · · · ·IN RE:· First American Bank vs. Schneider

· · · · · · · · · · · · ·FREDERICK M. SNOW
·4· · · · · · · ·March 19, 2019· · · ·JOB #1894379

·5
· · ·Page No.· ·Line No.· · Change· · · · · · · Reason
·6· ·_________________________________________________________

·7· ·_________________________________________________________

·8· ·_________________________________________________________

·9· ·_________________________________________________________

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11· ·_________________________________________________________

12· ·_________________________________________________________

13· ·_________________________________________________________

14· ·_________________________________________________________

15· ·_________________________________________________________

16· ·_________________________________________________________

17· ·_________________________________________________________

18· ·_________________________________________________________

19· ·_________________________________________________________

20· ·_________________________________________________________

21· ·_________________________________________________________

22· ·Under penalties of perjury, I declare that I have read

· · ·the foregoing document and that the facts stated in it
23· ·are true.

24· ·__________· · · · · · · · _________________________

· · ·Date· · · · · · · · · · · FREDERICK M. SNOW
25

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 Frederick Snow
March 19, 2019 ·1
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U.S. LEGAL SUPPORT

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 Frederick Snow
March 19, 2019 ·2
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U.S. LEGAL SUPPORT

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 Frederick Snow
March 19, 2019 ·3
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U.S. LEGAL SUPPORT

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 Frederick Snow
March 19, 2019 ·4
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U.S. LEGAL SUPPORT

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 Frederick Snow
March 19, 2019 ·5
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U.S. LEGAL SUPPORT

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 Frederick Snow
March 19, 2019 ·6
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U.S. LEGAL SUPPORT

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 Frederick Snow
March 19, 2019 ·7
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U.S. LEGAL SUPPORT

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 Frederick Snow
March 19, 2019 ·8
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 Frederick Snow
March 19, 2019 ·9
pages 23:10 please 9:6 11:5,7 12:3, 30:10
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 Frederick Snow
March 19, 2019 ·10
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 Frederick Snow
March 19, 2019 ·11
take 17:20 17:3,12,13, 27:10,13,18 though 14:24
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 Frederick Snow
March 19, 2019 ·12
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 Frederick Snow
March 19, 2019 ·13
27:4 written 20:7, 14:11,22 15:9
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