· · · · · · · · · ·UNITED STATES DISTRICT COURT

· · · · · · · · · ·SOUTHERN DISTRICT OF FLORIDA

·

· · · · · · · CASE NO. 1:22-CV-22671-ALTONAGA/TORRES

·

·

· · ·DELIO BATISTA, CARLOS LOPEZ,

· · ·MARIANA LOPEZ, and RAFAELA VALIENTE,

·

· · · · · ·Plaintiffs,

·

· · ·vs.

·

· · ·AVANT ASSURANCE INC., REINIER CORTES,

· · ·and ANDREA GONZALEZ QUINTERO,

· · · · · ·Defendants.

· · ·___________________________________/

·

·

·

·

· · · · · · · · · ·DEPOSITION OF REINIER CORTES

· · · · · · · · ·TAKEN ON BEHALF OF THE PLAINTIFFS

· · · · · · · · · · · · · APRIL 11, 2023

· · · · · · · · · · ·10:04 A.M. TO 02:20 P.M.

·

· · · · · · · · · ·ALL PARTIES APPEARED REMOTELY

· · · · · · · · · · · · · ·PURSUANT TO

· · · · · · · ·FLORIDA SUPREME COURT ORDER AOSC20-23

·

·

·

·

· · ·REPORTED BY:

· · ·ASHLEY CRAFT, COURT REPORTER

· · ·NOTARY PUBLIC, STATE OF FLORIDA

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 ·

·1· · · · · · · · · · APPEARANCES OF COUNSEL

·2· ·ON BEHALF OF THE PLAINTIFFS:

·3· · · · TOUSSAINT CUMMINGS, ESQUIRE

· · · · · FAIR LAW FIRM

·4· · · · 135 SAN LORENZO AVENUE, SUITE 770

· · · · · CORAL GABLES, FLORIDA 33156

·5· · · · (305) 230-4884

· · · · · TOUSSAINT@FAIRLAWATTORNEY.COM

·6· · · · (REMOTELY VIA ZOOM)

·7· ·ON BEHALF OF THE DEFENDANTS:

·8· · · · SANTIAGO CUETO, ESQUIRE

· · · · · CUETO LAW GROUP

·9· · · · 2100 PONCE DE LEON BOULEVARD, SUITE 1250

· · · · · CORAL GABLES, FLORIDA 33134

10· · · · (305) 777-0377

· · · · · SC@CUETOLAWGROUP.COM

11· · · · (REMOTELY VIA ZOOM)

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·1· · · · · · · · · · ·INDEX OF EXAMINATION

·2· ·WITNESS:· REINIER CORTES

· · · · · · · · · · · · · · · · · · · · · · · · · · · · ·PAGE

·3· ·DIRECT EXAMINATION

· · · · ·BY TOUSSAINT CUMMINGS, ESQUIRE· · · · · · · · · · ·5

·4

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·6

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·1· · · · · · · · · · · ·INDEX OF EXHIBITS

·2· ·EXHIBIT· · · · · · · ·DESCRIPTION· · · · · · · · · ·PAGE

· · ·PLAINTIFF'S:

·3

· · ·EXHIBIT A· · ·INDEPENDENT CONTRACTOR AGREEMENT· · · · 54

·4

· · ·EXHIBIT B· · ·E-MAIL FROM J. MANJARRES 7/8/2022· · · ·57

·5

· · ·EXHIBIT C· · ·E-MAIL FROM J. MANJARRES 7/8/2022· · · ·63

·6

· · ·EXHIBIT D· · ·2022 COMPENSATION PLAN· · · · · · · · · 81

·7

· · ·EXHIBIT E· · ·AGENTS SCHEDULE 5/9/22 - 5/13/22· · · ·120

·8

· · ·EXHIBIT F· · ·AGENTS SCHEDULE 5/23/22 - 5/27/22· · · 124

·9

· · ·EXHIBIT G· · ·AGENTS SCHEDULE 5/30/22 - 6/3/22· · · ·124

10

· · ·EXHIBIT H· · ·AGENTS SCHEDULE 6/27/22 - 7/1/22· · · ·125

11

· · ·EXHIBIT I· · ·E-MAIL CHAIN 6/16/22· · · · · · · · · ·126

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 1 of 54
·1· · · · · ·VIDEOTAPED DEPOSITION OF REINIER CORTES

·2· · · · · · · · · · · · APRIL 11, 2023

·3· · · · · · ·THE COURT REPORTER:· Good morning.· We are now

·4· · · · on the record.· We are here today April 11th, 2023.

·5· · · · The time is approximately 10:04 a.m.

·6· · · · · · ·We are here for the video deposition of

·7· · · · Reinier Cortes in the matter of Delio Batista,

·8· · · · Carlos Lopez, Mariana Lopez, and Rafaela Valiente

·9· · · · vs. Avant Assurance Incorporated, Reinier Cortes

10· · · · and Andrea Gonzalez Quintero.· Case number for that

11· · · · is 1:22-CV-22671-Altonaga-Torres.

12· · · · · · ·The Court Reporter for today is Ashley Craft

13· · · · with Universal Court Reporting.

14· · · · · · ·Would Counsels please introduce themselves for

15· · · · the record?

16· · · · · · ·MR. CUMMINGS:· Toussaint Cummings on behalf of

17· · · · Plaintiffs.

18· · · · · · ·MR. CUETO:· Santiago Cueto on behalf of the

19· · · · Defendants.

20· · · · · · ·THE COURT REPORTER:· Thank you, Counsel.

21· ·Thereupon:

22· · · · · · · · · · · · REINIER CORTES

23· ·was called as a witness, and after having been first

24· ·duly sworn, testified as follows:

25· · · · · · · · · · · DIRECT EXAMINATION

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·1· ·BY MR. CUMMINGS:

·2· · · · Q· · Good morning.· Mr. Cortes, have you ever taken

·3· ·a deposition before?

·4· · · · A· · No, first time.

·5· · · · Q· · All right.· So, let me just go over some basic

·6· ·rules of a deposition and then we can get started.

·7· · · · · · ·All right.· So, the most important rules for a

·8· ·deposition are that we have to be respectful to the

·9· ·Court Reporter, so we cannot speak at the same time.

10· · · · · · ·The Court Reporter is typing down everything

11· ·that -- all of my questions to you and then all of your

12· ·answers.

13· · · · · · ·So, we need to have a very clear question line

14· ·and a very clear answer line because a little booklet is

15· ·going to be printed up afterwards called the deposition

16· ·transcript, and that transcript cannot be confusing.

17· · · · · · ·So, if you start to, you know, a lot of times

18· ·depositions can get kind of conversational in nature,

19· ·and I might be asking you a question and you think you

20· ·know where I'm going with it.

21· · · · · · ·So, if you jump ahead of me, then the Court

22· ·Reporter is going to have, you know, not a complete

23· ·question from me.· So, in that case, what I'll do is

24· ·I'll repeat my question and allow you to answer, okay?

25· · · · A· · Okay.

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·1· · · · Q· · All right.· Same thing, sometimes I might cut

·2· ·you off by accident and then I'll stop myself, I'll let

·3· ·you -- I'll repeat the question, so that we can have a

·4· ·clear question and answer, all right?

·5· · · · A· · Okay.

·6· · · · Q· · All right.· Other than that, you always have

·7· ·to provide a verbal response.· Again, the Court Reporter

·8· ·is typing down everything we say.

·9· · · · · · ·So, if you shake your head or you provide a

10· ·non- verbal response, the Court Reporter cannot write

11· ·that down.· So, I'll ask the question again and just

12· ·remind you, please provide a verbal response.

13· ·Understood?

14· · · · A· · Okay.

15· · · · Q· · Okay.· All right.· And the same thing for

16· ·yeses and nos.· If you say, uh-uh or uh-huh, that

17· ·doesn't necessarily mean anything when it's written

18· ·down, so I'll ask you to give a yes or a no answer.

19· ·Understood?

20· · · · A· · Okay.

21· · · · Q· · Okay.· All right.· Other than that, is there

22· ·any reason why you cannot take a deposition today?

23· · · · A· · No, I'm just a little bit under the influence,

24· ·but I think I'm fine to go for a couple of hours.

25· · · · Q· · Okay.· What do you mean by that?

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·1· · · · A· · No, if you see me sneezing or coughing.

·2· · · · Q· · Okay.· All right.· Because normally when --

·3· · · · A· · Yeah, just for you to be aware, you know.

·4· · · · Q· · Yeah, normally when people say under the

·5· ·influence they're talking about drugs or alcohol. You're

·6· ·not referring to drugs or alcohol, were you?

·7· · · · A· · No, the influence of like minor cold, I would

·8· ·say.

·9· · · · Q· · Okay.· Understood.· All right.· And, do you

10· ·understand that the Court Reporter just swore you in

11· ·under oath to tell the truth?

12· · · · A· · Correct.

13· · · · Q· · All right.· So, we're not in a courtroom

14· ·setting, obviously we're over Zoom, I'm in my office,

15· ·I'm assuming you're wherever you are in your office, but

16· ·because you are sworn under oath to tell the truth, even

17· ·though we're not in a courtroom setting, I want to

18· ·remind you that you always have to tell the truth no

19· ·matter what the question is, that's whether you don't

20· ·remember or you do remember, understood?

21· · · · A· · Correct.

22· · · · Q· · All right.· Let's get started.· What is your

23· ·full name, including middle name?

24· · · · A· · Reinier Cortes Porras.

25· · · · Q· · Can you please spell the last name that you

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 2 of 54
·1· ·said?

·2· · · · A· · P-O-R-R-A-S.

·3· · · · Q· · What's your date of birth?

·4· · · · A· · November 25th, 1984.

·5· · · · Q· · What is your current address?

·6· · · · A· · Current address, residential address, right?

·7· · · · Q· · Correct.

·8· · · · A· · Okay.· 8405 Northwest 34 Drive, Doral, Florida

·9· ·33122.

10· · · · Q· · 33122.

11· · · · A· · Correct.

12· · · · Q· · What's your current phone number?

13· · · · A· · (305) 332-8317.

14· · · · Q· · And are you married?

15· · · · A· · Yes.

16· · · · Q· · Who are you married to?

17· · · · A· · Andrea Gonzalez.

18· · · · · · ·MR. CUETO:· And this is a -- and I just want

19· · · · to make clear, this is a corporate representative

20· · · · depo, not -- he's not here in his individual

21· · · · capacity.

22· · · · · · ·MR. CUMMINGS:· Excuse me.· Okay.· This is the

23· · · · corporate rep depo?

24· · · · · · ·MR. CUETO:· Yes, it is.· That's what it was

25· · · · noticed for.

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·1· · · · · · ·MR. CUMMINGS:· Got it.· Hold on for a second.

·2· · · · All right.· So, do you want me to call him back in

·3· · · · his individual capacity?

·4· · · · · · ·MR. CUETO:· You can, after this deposition,

·5· · · · you can, if you're finished.

·6· · · · · · ·MR. CUMMINGS:· Well, what I'm saying is, I

·7· · · · could always just distinguish between, which

·8· · · · questions are for corporate rep and which questions

·9· · · · are for corporate capacity.

10· · · · · · ·But what I'm asking is, do you want us to

11· · · · notice him for his individual capacity?

12· · · · · · ·MR. CUETO:· Yeah, I just think that's

13· · · · confusing.· He was only noticed today for the

14· · · · corporate capacity, so we've only talked about him

15· · · · testifying in his corporate capacity.

16· · · · · · ·MR. CUMMINGS:· Okay.· That's no problem.· All

17· · · · right.· We'll just call him back.

18· ·BY MR. CUMMINGS:

19· · · · Q· · All right.· Mr. Cortes, where do you currently

20· ·work?

21· · · · A· · Avant Assurance.

22· · · · Q· · Okay.· Do you have any other jobs?

23· · · · A· · Any other?

24· · · · Q· · Yeah.

25· · · · A· · No.

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·1· · · · Q· · What is your position at Avant Assurance?

·2· · · · A· · CEO.

·3· · · · Q· · How long have you been the CEO of Avant?

·4· · · · A· · Since the company was formed.

·5· · · · Q· · When was that?

·6· · · · A· · 2020.

·7· · · · Q· · Is Avant considered a brokering agent?

·8· · · · A· · Considered what?

·9· · · · Q· · A brokering agent.

10· · · · A· · What does that mean?

11· · · · Q· · What is Avant Assurance?

12· · · · A· · It's an insurance agency.

13· · · · Q· · All right.· And what licenses do you need to

14· ·operate an insurance agency?

15· · · · A· · Insurance license.

16· · · · Q· · Whose name is on the insurance license?

17· · · · A· · The company.

18· · · · Q· · And does somebody have to apply for the

19· ·insurance license?

20· · · · A· · If somebody else had to apply for the

21· ·insurance license, I don't understand that question.

22· · · · Q· · Listen to the question.· Did somebody have to

23· ·apply for the insurance license for Avant?

24· · · · A· · If somebody asked me to apply?

25· · · · Q· · Did somebody apply for an insurance license

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·1· ·for Avant?

·2· · · · A· · Yes, it was me.

·3· · · · Q· · Okay.· So, is your name on the insurance

·4· ·license for Avant?

·5· · · · A· · No, Avant has it's own insurance license.

·6· · · · Q· · Okay. And who's the agent in charge for Avant?

·7· · · · A· · I am.

·8· · · · Q· · What's the physical address of Avant

·9· ·Assurance?

10· · · · A· · What's the address for the company?

11· · · · Q· · Yes.

12· · · · A· · Okay.· It's, 3470 Northwest 82nd Avenue, Suite

13· ·700, Doral, Florida 33122.

14· · · · Q· · What types of insurance does Avant sell?

15· · · · A· · Health insurance.

16· · · · Q· · And what insurance companies is Avant

17· ·appointed with?

18· · · · A· · I wouldn't recall all the names, to be honest

19· ·with you.

20· · · · Q· · Okay.· Which ones do you recall?

21· · · · A· · There's one that is called Oscar, Cigna,

22· ·United Healthcare, Ambetter, and I'm sure there's

23· ·others. I don't have the list on top of my head right

24· ·now.

25· · · · Q· · Okay.· So, the first one you said was Oscar

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 3 of 54
·1· ·O-S-C-A-R?

·2· · · · A· · Correct.

·3· · · · Q· · Cigna is that with a S or a C?

·4· · · · A· · C as in Charlie.

·5· · · · Q· · Okay.· C-I-G-N-A?

·6· · · · A· · Correct.

·7· · · · Q· · And then Ambetter is A-M-B-E-T-T-E-R?

·8· · · · A· · Yes.

·9· · · · Q· · Okay.· I know you don't remember all of the

10· ·insurance companies, but about how many insurance

11· ·companies is Avant appointed with?

12· · · · A· · I would say around 8 or 10.

13· · · · Q· · And how does Avant Assurance become appointed

14· ·with an insurance company?· What's the process?

15· · · · A· · So, you have to send an inquiry to each of the

16· ·companies and basically present the business plan, and

17· ·if they accept it, they may issue a contract.

18· · · · Q· · Who's responsible for sending inquiries to the

19· ·insurance companies?

20· · · · A· · That would be me.

21· · · · Q· · Does Avant sell insurance for any companies

22· ·that it is not appointed by?

23· · · · A· · If Avant sell insurance what?

24· · · · Q· · Does Avant sell insurance for any companies

25· ·that it is not appointed by or with?

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·1· · · · A· · No.

·2· · · · Q· · Okay.· Let me -- does Avant keep a brokering

·3· ·agent register?

·4· · · · A· · I'm not sure, what is that?

·5· · · · Q· · Okay.· All right.· Does Avant have sales

·6· ·agents that work for it?

·7· · · · A· · That work for Avant?

·8· · · · Q· · Yes.

·9· · · · A· · How would you define work, that produce for

10· ·Avant?

11· · · · Q· · How would you define work?

12· · · · A· · It depends.· We have employees and there's

13· ·independent contractors.

14· · · · Q· · Okay.· So, you currently have employees and

15· ·currently have independent contractors?

16· · · · A· · Correct.

17· · · · Q· · Have you always had employees and independent

18· ·contractors since 2020?

19· · · · A· · No.

20· · · · Q· · Okay.· In 2020, when Avant first formed, what

21· ·types of people were working for Avant?

22· · · · A· · Everybody was 1099.

23· · · · Q· · Who is Jennifer Manjarres?

24· · · · A· · Jennifer Manjarres, she's an employee.

25· · · · Q· · How long has she worked with Avant?

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·1· · · · A· · Less than a year.

·2· · · · Q· · Who hired Ms. Manjarres?

·3· · · · A· · I did.

·4· · · · Q· · Did you know her before she started working

·5· ·for Avant Assurance?

·6· · · · A· · Yes.

·7· · · · Q· · How did you know her before?

·8· · · · A· · We used to work at a previous employer before.

·9· · · · Q· · What employer was that?

10· · · · A· · It was called Hola, but I don't recall the

11· ·whole name.

12· · · · Q· · What type of business was it?

13· · · · A· · It was an insurance agency.

14· · · · Q· · Okay.· How do you spell it?· Did you say Ola

15· ·O-L-A?

16· · · · A· · H-O-L-A.

17· · · · Q· · Hola, okay.· And what is Ms. Manjarres' job at

18· ·Avant?

19· · · · A· · She is the executive office manager.

20· · · · Q· · What are her job responsibilities?

21· · · · A· · Basically, day to day pick up of the mail and

22· ·helping with my appointments, setting up my

23· ·appointments, making sure that we have office supplies,

24· ·water, for example, that's an example of office

25· ·supplies, you know.

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·1· · · · Q· · Okay.

·2· · · · A· · Pretty basic.

·3· · · · Q· · Okay.· Who is Alix Ledsma?

·4· · · · A· · Alix Ledsma?

·5· · · · Q· · Yes.

·6· · · · A· · She also works with us.

·7· · · · Q· · All right.· And just to go back for a second,

·8· ·for the Court Reporter, Jennifer Manjarres is going to

·9· ·be -- the last name is M-A-N-J-A-R-R-E-S.· And then

10· ·Alix -- Mr. Cortes, Alix is A-L-I-X?

11· · · · A· · A-L-I-X.

12· · · · Q· · Okay.· And Ledsma is L-E-D-S-M-A?

13· · · · A· · Yes.

14· · · · Q· · And is she considered an employee or an

15· ·independent contractor?

16· · · · A· · Today, she's an employee.

17· · · · Q· · Okay.· Does that mean before she was not an

18· ·employee?

19· · · · A· · Correct.

20· · · · Q· · When was she an independent contractor?

21· · · · A· · Last year and prior to that.

22· · · · Q· · When did she become an employee?

23· · · · A· · Last year.

24· · · · Q· · When in last year?

25· · · · A· · I don't recall.

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 4 of 54
·1· · · · Q· · What officially made Ms. Ledsma an

·2· ·independent -- I'm sorry. What officially made

·3· ·Ms. Ledsma an employee?

·4· · · · A· · I don't understand the question.

·5· · · · Q· · You said that Ms. Ledsma is now an employee,

·6· ·but she used to be an independent contractor.· What

·7· ·changed?

·8· · · · A· · She was an agent before and she's no longer a

·9· ·producing agent.

10· · · · Q· · What does she do now?

11· · · · A· · She's a manager, sales manager.

12· · · · Q· · When Ms. Ledsma was a producing agent, was she

13· ·working under a contract with Avant?

14· · · · A· · Under a contract as an independent contractor.

15· · · · Q· · Did she actually sign a written contract?

16· · · · A· · No.

17· · · · Q· · When Ms. Ledsma became an employee, did she

18· ·sign a written contract?

19· · · · A· · As an employee, yes.

20· · · · Q· · Who is Katrina Guerra?

21· · · · A· · Katrina Guerra, she also works for us.

22· · · · Q· · Okay.· And just for the record, Katrina is

23· ·spelled with a K, and Guerra is G-U-E-R-R-A.· Ms. Guerra

24· ·is an employee now?

25· · · · A· · She is.

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·1· · · · Q· · Did she ever used to be an independent

·2· ·contractor for Avant?

·3· · · · A· · She was an independent contractor.

·4· · · · Q· · As an independent contractor, was she a

·5· ·producing agent?

·6· · · · A· · She was.

·7· · · · Q· · What is her current title now?

·8· · · · A· · She's a sales manager.

·9· · · · Q· · Did Ms. Guerra become a sales manager at the

10· ·same time as Ms. Ledsma?

11· · · · A· · I wouldn't know, not sure.

12· · · · Q· · Who would know?

13· · · · A· · I would have to check her file and I can

14· ·answer that later on, yeah.

15· · · · Q· · When Ms. Guerra was an independent contractor,

16· ·was she working under a written contract?

17· · · · A· · No.

18· · · · Q· · Since becoming an employee -- when she became

19· ·an employee, a sales manager, did Ms. Guerra sign a

20· ·written contract?

21· · · · A· · Yes.

22· · · · Q· · What do sales managers do at Avant?

23· · · · A· · They help with the day-to-day sales operation.

24· · · · Q· · Do the sales managers manage a team of agents?

25· · · · A· · Yes.

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·1· · · · Q· · How many producing agents does Avant currently

·2· ·have?

·3· · · · A· · I wouldn't know.

·4· · · · Q· · Who would know?

·5· · · · A· · Once I check, I'd be able to answer that later

·6· ·on.

·7· · · · Q· · Is it more than ten?

·8· · · · A· · Say again.

·9· · · · Q· · Does Avant have more than 10 producing agents

10· ·currently?

11· · · · A· · Yes.

12· · · · Q· · More than 20?

13· · · · A· · Yes.

14· · · · Q· · More than 30?

15· · · · A· · That I wouldn't know.

16· · · · Q· · Okay.· Is it fair to say it might be somewhere

17· ·between 20 and 30?

18· · · · A· · I don't know.

19· · · · Q· · All right.· What do the sales agents do for

20· ·Avant Assurance?

21· · · · A· · What do?

22· · · · Q· · What do sales agents do for Avant Assurance?

23· · · · A· · When?

24· · · · Q· · What's their job?· What do sales agents do --

25· ·the producing agents, what do they do?

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·1· · · · A· · They sell insurance policies.

·2· · · · Q· · Okay.· And how does Avant recruit its

·3· ·insurance agents?

·4· · · · A· · Mostly referrals.· And we may have posted an

·5· ·ad last year.

·6· · · · Q· · I'm sorry, say that again.

·7· · · · A· · We may have posted an ad last year, yeah.

·8· · · · Q· · Where would that ad have been posted?

·9· · · · A· · I wouldn't recall.

10· · · · Q· · Who was responsible for posting the ad?

11· · · · A· · That would be me.

12· · · · Q· · Would it have been posted on Indeed?

13· · · · A· · I wish I knew, I don't recall at this time.

14· · · · Q· · Okay.· Do insurance agents have to fill out an

15· ·employment application before they begin working for

16· ·Avant?

17· · · · · · ·MR. CUETO:· Object to the form. You can

18· · · · answer.

19· ·BY MR. CUMMINGS:

20· · · · Q· · You can answer.

21· · · · A· · No, they're not required.

22· · · · Q· · Has any insurance agent that ever worked for

23· ·Avant ever filled out an employment application?

24· · · · · · ·MR. CUETO:· I object to the form.· You can

25· · · · answer.

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 5 of 54
·1· · · · A· · What's the question again?

·2· ·BY MR. CUMMINGS:

·3· · · · Q· · Yeah, basically, has any insurance agent that

·4· ·works for Avant or has worked for Avant ever fill out an

·5· ·employment application?

·6· · · · A· · No.

·7· · · · Q· · Who runs the hiring process for agents?

·8· · · · A· · I do.

·9· · · · Q· · Do you hire every agent individually,

10· ·yourself?

11· · · · A· · No.

12· · · · Q· · Who helps you with the hiring process?

13· · · · A· · That would be the sales managers.

14· · · · Q· · In 2020, when you first opened Avant, who

15· ·helped you with the hiring process?

16· · · · A· · I did.

17· · · · Q· · Did you hire Delio Batista?

18· · · · A· · I'm not sure about the word hired because that

19· ·might imply that he was an employee when he was not.

20· · · · Q· · Okay.· So, if you have -- you consider Delio

21· ·Batista an independent contractor, right?

22· · · · A· · Correct.

23· · · · Q· · Okay.· Was he working for Avant Assurance?

24· · · · A· · He was producing.

25· · · · Q· · And how did he establish his employment

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·1· ·relationship with Avant, did he just show up one day and

·2· ·start working on his own?

·3· · · · A· · He did not work for Avant, so there was no

·4· ·employment relationship in there.

·5· · · · Q· · Okay.· So, you're saying that he just showed

·6· ·up to the office one day and just started calling

·7· ·customers?

·8· · · · A· · No, I'm making clarification that he did not

·9· ·work for Avant because you mentioned employment.

10· · · · Q· · Right.· No, I understand.· I mean, we

11· ·understand that the basis of this whole lawsuit is

12· ·whether or not my client is an independent contractor or

13· ·not, right.

14· · · · · · ·But I think we're going to start getting into

15· ·some silly conclusions if you're saying that, you know,

16· ·because you think he's an independent contractor, that

17· ·what, he hired himself and just started working there.

18· · · · · · ·So, what I'm really asking you is, did you

19· ·know Delio Batista before 2020?

20· · · · A· · Yes, I did.

21· · · · Q· · Okay.· How did you know Delio Batista before

22· ·2020?

23· · · · A· · He's my mother's boyfriend.· I don't know if

24· ·you know that.

25· · · · Q· · I do now.

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·1· · · · A· · Okay.

·2· · · · Q· · All right.· And, at some point -- where was

·3· ·Avant Assurance located in 2020?

·4· · · · A· · In Kendall.

·5· · · · Q· · What was the address then?

·6· · · · A· · The exact address, I don't recall.· I can

·7· ·definitely get it and send it to you.

·8· · · · Q· · Okay.

·9· · · · A· · Yeah.

10· · · · Q· · Did Delio ever appear at the Kendall office?

11· · · · A· · Appeared, he was there physically?

12· · · · Q· · Yes.

13· · · · A· · Yes.

14· · · · Q· · Okay.· And what was he doing there?

15· · · · A· · I assume that he was selling insurance

16· ·policies.

17· · · · Q· · Okay.· You never actually saw him selling

18· ·insurance policies?

19· · · · A· · If I saw him?

20· · · · Q· · Well, you said you assume, so --.

21· · · · A· · Yeah, because I don't know what he was doing

22· ·at all time.· That's what I mean.

23· · · · Q· · Well, I mean, what business relationship did

24· ·Avant Assurance have with Delio Batista?

25· · · · A· · As a producer.

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·1· · · · Q· · Right.· So, did you actually see him in the

·2· ·office producing?

·3· · · · A· · Yes.

·4· · · · Q· · All right.· Now, before he started producing,

·5· ·how did Delio find out about the job at Avant?

·6· · · · A· · We don't have a job available, so I don't

·7· ·understand your question.

·8· · · · Q· · Okay.· Well, Avant Assurance is an insurance

·9· ·agency, right?

10· · · · A· · Correct.

11· · · · Q· · And insurance agencies need sales agents to

12· ·sell insurance to customers, right?

13· · · · A· · Correct.

14· · · · Q· · Okay.· In 2020, how did Avant Assurance get

15· ·its insurance agents?

16· · · · A· · By word of mouth.

17· · · · Q· · Okay.· And so how did Delio find out that

18· ·Avant Assurance was hiring, or I guess --?

19· · · · A· · Was looking to get insurance agents?

20· · · · Q· · -- Insurance agents appear at their office in

21· ·Kendall?

22· · · · A· · Because I asked him, I -- he was working at

23· ·the time.

24· · · · Q· · Okay.

25· · · · A· · He said that he wasn't, and he was interested,

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 6 of 54
·1· ·that we were looking for insurance agents.

·2· · · · Q· · Okay.· Was Delio Batista an insurance agent

·3· ·before he started working for Avant?

·4· · · · A· · I don't think so.

·5· · · · Q· · How did Delio Batista learn to do the work he

·6· ·was doing at Avant?

·7· · · · A· · That I wouldn't know.· You would have to ask

·8· ·him.

·9· · · · Q· · Okay.· Does Avant Assurance have any type of

10· ·training for its insurance agents?

11· · · · A· · No.· Just general trainings that are available

12· ·in the industry.

13· · · · Q· · Let's talk about 2023, let's talk about now.

14· ·Are any of the producing sales agents for Avant

15· ·considered employees?

16· · · · A· · Some are.

17· · · · Q· · Okay.· The -- in short, the producing sales

18· ·agents that are currently considered employees, do they

19· ·receive training before they start at Avant?

20· · · · A· · If they receive training, yes.

21· · · · Q· · Okay.· What kind of training do they receive?

22· · · · A· · Basic training about the company.

23· · · · Q· · Who provides the training to the insurance

24· ·agents that are considered employees?

25· · · · A· · That would be one of the sales managers.

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·1· · · · Q· · Do the sales managers create their own

·2· ·training program, or are they given the training program

·3· ·to teach to the employees?

·4· · · · A· · I think they created the training program.

·5· · · · Q· · Did you create the training program?

·6· · · · A· · I did not.

·7· · · · Q· · Do you know what the training program consists

·8· ·of?

·9· · · · A· · I'm not sure.· We haven't had a recent agent

10· ·joining our team, so I haven't looked at the training

11· ·program.

12· · · · Q· · Is the training program written down?

13· · · · A· · I would assume so, but I don't know.

14· · · · Q· · Whatever training is provided to employees

15· ·now, was that training provided to sales agents back in

16· ·2020?

17· · · · A· · No.

18· · · · Q· · If Delio Batista was not an insurance agent

19· ·before working with Avant Assurance, how did he learn to

20· ·become a sales agent?

21· · · · A· · I guess he took a course, but that's a

22· ·question you would need to ask him.

23· · · · Q· · All right.· So, please walk me through the

24· ·process if you have -- let's go back to 2020, the

25· ·insurance -- producing sales agent comes into the office

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·1· ·in Kendall, what do they do to start their day?

·2· · · · A· · I guess they will need to turn on their

·3· ·devices in order to start getting calls.

·4· · · · Q· · What types of devices are you referring to?

·5· · · · A· · A computer.

·6· · · · Q· · What kind of computer did the sales agents use

·7· ·back in 2020?

·8· · · · A· · So, we had desktop computers that were

·9· ·available at the office, and some agents brought their

10· ·own laptops, so they could use either one or the other.

11· · · · Q· · Now whether the agents brought their own

12· ·laptops or they were using a computer that was already

13· ·provided by Avant, was there a certain type of software

14· ·that the agents had to use?

15· · · · A· · So, we have just like Uber, Uber manages a

16· ·platform.· We have a platform for the leads.

17· · · · Q· · What's the name of the platform?

18· · · · A· · It's called Radius BOB.

19· · · · Q· · R-A-D-I-U-S B-O-B?

20· · · · A· · Yes, it's a CRM, yes.

21· · · · Q· · All right.· And is Radius BOB, is that a

22· ·program that is licensed from that company?

23· · · · A· · Licensed meaning?

24· · · · Q· · Yeah.· Do you have to lease that software or

25· ·do you just pay for it once?

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·1· · · · A· · No, we pay monthly.

·2· · · · Q· · Who pays for the software?

·3· · · · A· · Our company.

·4· · · · Q· · Do the agents have to pay any portion of the

·5· ·fee for the monthly license for Radius?

·6· · · · A· · No.

·7· · · · Q· · Does Avant Assurance still use Radius BOB as

·8· ·the software platform for leads?

·9· · · · A· · Yes.

10· · · · Q· · What other software do agents use to do their

11· ·jobs?

12· · · · A· · Before or now?

13· · · · Q· · Let's go back to 2020, what other software did

14· ·agents have to use besides Radius?

15· · · · A· · I mean, that I recall that was the only one.

16· ·They probably had a spreadsheet where they were keeping

17· ·track of sales.

18· · · · Q· · Did Avant require agents to keep a spreadsheet

19· ·of their sales?

20· · · · A· · No, that was for their benefit.· If they

21· ·decided to keep track of their sales, they could use a

22· ·spreadsheet.

23· · · · Q· · Okay.· If the agents did not keep track of

24· ·this sales on a spreadsheet, did Avant have an

25· ·independent way of knowing how much the agents were

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 7 of 54
·1· ·selling?

·2· · · · A· · Yes.· The CRM, the tool that they were using.

·3· · · · Q· · Radius?

·4· · · · A· · Correct.

·5· · · · Q· · What part of Radius allows Avant to track the

·6· ·sales?

·7· · · · A· · I don't understand that question.

·8· · · · Q· · Who can track sales on Radius?· Let me put it

·9· ·like that.

10· · · · A· · Who can track sales?

11· · · · Q· · Yeah.· Does every user have the ability to

12· ·track the sales on Radius, or does only like one account

13· ·manager have the ability to track the sales?

14· · · · A· · So, both, the -- each agent could track his

15· ·own sales and the account manager could also track the

16· ·agent sales.

17· · · · Q· · Who was the account manager in 2020?

18· · · · A· · That would be me.

19· · · · Q· · Okay.· And then does Radius actually give the

20· ·leads or do the leads come from another source?

21· · · · A· · Radius does not provide leads.

22· · · · Q· · How do the agents know which customers to

23· ·call?

24· · · · A· · They don't call, the phone rings and they're

25· ·free to either answer the phone or not answer the phone.

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·1· · · · Q· · Okay.· So, you mentioned in 2020 that

·2· ·producing agents had certain devices, one was a

·3· ·computer, they also have a phone?

·4· · · · A· · No, the -- the -- the CRM was integrated with

·5· ·a phone system, it's the same platform, just like Uber.

·6· ·You could place a call using an Uber platform.· Yeah.

·7· · · · Q· · Did insurance agents have headsets that they

·8· ·used?

·9· · · · A· · Some bought their own headsets and brought

10· ·them to the office.· One good example was Delio.· He had

11· ·some huge headsets and I guess he preferred those and he

12· ·bought his own.· Some of the agents, they had their own

13· ·headsets as well.

14· · · · Q· · Okay.

15· · · · A· · We have headsets available, but they were free

16· ·to use their own basic equipment.· Even their mouse,

17· ·some of them bought their own mouses and brought them

18· ·for their convenience.

19· · · · Q· · Okay.

20· · · · A· · And keypads and everything.· So, they were

21· ·free to bring their equipment.

22· · · · Q· · Got it.· Now you mentioned that the phone

23· ·would ring and when the phone rang, who was on the other

24· ·end of the call?

25· · · · A· · I don't understand the question.

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·1· · · · Q· · Yeah, so like, let's just give you an example.

·2· ·So, I'm insurance agent working at -- or I'm a sales

·3· ·agent working at Avant, and I sit down at the computer

·4· ·and then the phone rings, so when the phone rings, who's

·5· ·on the other end of the phone?

·6· · · · A· · It could either be a prospect or a company --

·7· ·a third party company that we may be using for

·8· ·generating leads.

·9· · · · Q· · When you say a prospect, you mean a customer

10· ·who needs insurance him or herself?

11· · · · A· · Yeah, but at that point it would be a prospect

12· ·because it's still not a customer.

13· · · · Q· · Got you.· All right.· So, somebody looking for

14· ·insurance basically?

15· · · · A· · Exactly.

16· · · · Q· · Okay.· So sometimes, potential customers just

17· ·call into Avant on their own?

18· · · · A· · Correct.· And the agents also were, in some

19· ·cases, they were brokering calls to people that they

20· ·knew.

21· · · · Q· · All right.· Now, you mentioned that there was

22· ·a third party company that generated leads.· What

23· ·company was that?

24· · · · A· · There's multiple lead vendors basically and

25· ·we're probably not working with them today.

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·1· · · · Q· · Okay.· In 2020, what lead vendor did Avant

·2· ·work with?

·3· · · · A· · It was a call center that was providing

·4· ·basically phone calls.

·5· · · · Q· · Where was that call center located?

·6· · · · A· · Where was?

·7· · · · Q· · Where was the call center located?

·8· · · · A· · I wouldn't know the answer to that because I

·9· ·would guess they would have an office setting or -- and

10· ·some of them maybe working remote because it wasn't just

11· ·one vendor, it was multiple vendors.· So, I don't know

12· ·where each vendor was located.

13· · · · Q· · Did Avant work with any lead vendors in

14· ·Columbia?

15· · · · A· · Lead vendors in Columbia, yes.

16· · · · Q· · What was the name of that lead vendor?

17· · · · A· · It's called Avant Assurance SAS.

18· · · · Q· · Who owns Avant Assurances SAS?

19· · · · A· · I do.

20· · · · Q· · Are you from Columbia?

21· · · · A· · I am not.

22· · · · Q· · Who's the CEO of Avant Assurance SAS?

23· · · · A· · So, in Columbia, the CEO figure doesn't exist?

24· · · · Q· · Okay.· What would be the equivalent of a CEO

25· ·in Columbia?

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 8 of 54
·1· · · · A· · It's a Spanish term called representante legal

·2· ·(phonetic).

·3· · · · Q· · And who is the representante legal?

·4· · · · A· · I am.

·5· · · · Q· · Have you ever been to Columbia?

·6· · · · A· · Yes, I have.

·7· · · · Q· · Did you have to go to Columbia to establish

·8· ·Avant Assurance SAS?

·9· · · · A· · Yes.

10· · · · Q· · What year did you do that?

11· · · · A· · I don't recall.

12· · · · Q· · How many employees do you have in Columbia

13· ·that work for Avant Assurance SAS?

14· · · · A· · I don't know.

15· · · · Q· · You mentioned that you do not recall when you

16· ·had to go to Columbia to establish Avant Assurance, was

17· ·it before 2020?

18· · · · A· · I know it was in the middle of the pandemic,

19· ·but I wouldn't be able to answer that right now.

20· · · · Q· · All right.· And how does Avant Assurance SAS

21· ·find customer leads?

22· · · · A· · I'm not sure because that is proprietary

23· ·information for a third party that is not part of this

24· ·case that is not commonly known to the public.

25· · · · Q· · All right.· So, it's not that you're not sure,

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·1· ·you're just saying that you don't want to explain that

·2· ·information right now because that's proprietary, trade

·3· ·secret?

·4· · · · A· · Correct.

·5· · · · Q· · Okay.· Understood.· All right.· But either

·6· ·way, there are people in Columbia who call over to

·7· ·offices in Kendall or Doral and say, "Here are potential

·8· ·customers to sell insurance to," correct?

·9· · · · A· · What's the question again?

10· · · · Q· · There are people in Columbia working for Avant

11· ·Assurance SAS who call producing agents in Doral, or

12· ·Kendall at the time, to provide leads for potential

13· ·customers who need insurance?

14· · · · A· · Correct.

15· · · · Q· · Does Avant Assurance SAS have a book of

16· ·business?

17· · · · A· · No.

18· · · · Q· · Are all of the -- does Avant Assurance only

19· ·sell insurance to customers in the United States?

20· · · · A· · Can you please repeat the question?

21· · · · Q· · Right.· Is Avant Assurance only selling

22· ·insurance in -- to people in the United States?

23· · · · A· · Yes.

24· · · · Q· · All right.· The other lead vendors that you

25· ·refer to that are not Avant -- I'm sorry, let me

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·1· ·rephrase this question.· Do you know the name of any

·2· ·other lead vendor that is not Avant Assurance SAS?

·3· · · · A· · Yes.· There's many.

·4· · · · Q· · How many lead vendors approximately does Avant

·5· ·work with?

·6· · · · A· · Probably five, four, three, I don't know the

·7· ·exact number.

·8· · · · Q· · Okay. Do you own any of the other lead

·9· ·vendors?

10· · · · A· · No.

11· · · · Q· · Which lead vendor provides the majority of

12· ·leads to Avant?

13· · · · A· · To whom?

14· · · · Q· · Which lead vendor provides the majority of

15· ·leads to Avant Assurance?

16· · · · A· · It could vary.

17· · · · Q· · Vary by what?

18· · · · A· · Depending on the day.· So, I wouldn't know

19· ·exactly how to answer that.

20· · · · Q· · If you were to -- have you been using the same

21· ·three, four, or five lead vendors since 2020?

22· · · · A· · Yeah.

23· · · · Q· · If you were to pull the data from 2020 to now,

24· ·which lead vendor would you expect to have provided the

25· ·most leads to Avant Assurance?

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·1· · · · A· · Which lead vendors -- what's the question

·2· ·again?

·3· · · · Q· · Yeah.· If you pulled data for the last three

·4· ·years from 2020 to 2023, basically now, which lead

·5· ·vendor would you expect to have provided the most leads

·6· ·to Avant Assurance?

·7· · · · A· · That would probably be the SAS company.

·8· · · · Q· · Once a sales agent gets a lead from whatever

·9· ·lead vendor they get it from, what is the next step in

10· ·the process that the sales agent has to make?

11· · · · A· · Well, each agent will probably have their own

12· ·process.· They're not required to follow a specific

13· ·path, I would say, it's based on their own skillsets.

14· · · · Q· · All right.· But is it pretty fair to say that

15· ·generally speaking, the insurance agent, once they get a

16· ·lead, they follow up on the lead by contacting the

17· ·potential customer?

18· · · · A· · They follow up on the lead -- I'm not sure

19· ·what are you asking.

20· · · · Q· · Yeah, I mean, once they get the phone number

21· ·for a customer, a potential customer, is it fair to say

22· ·that they generally call that potential customer?

23· · · · A· · They get a phone call from the potential

24· ·customer, so they don't need to call the potential

25· ·customer.

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 9 of 54
·1· · · · Q· · Okay.· So when -- what does the Avant

·2· ·Assurance SAS do then?· What does the lead vendor do?

·3· · · · A· · They transfer a potential customer like any

·4· ·lead vendors.

·5· · · · Q· · I see.· Okay.· I understand.· So, how does the

·6· ·potential customer get in touch with the lead vendor?

·7· · · · A· · I'm not sure what you're asking.

·8· · · · Q· · Yeah, I mean, how would a potential customer

·9· ·know to call Avant Assurance SAS?

10· · · · A· · It could be through advertising.

11· · · · Q· · Does Avant Assurance SAS or any other lead

12· ·vendor reach out to the potential customers?

13· · · · A· · Probably yes.

14· · · · Q· · So, it could be either way?

15· · · · A· · Either way, yeah.· Same as the agents

16· ·themselves, they could reach out to potential customers

17· ·on their own.

18· · · · Q· · Okay. So, if an insur -- a producing agent is

19· ·in the office at Avant, when a call comes through Radius

20· ·CRM there's already a potential customer on the line to

21· ·speak with?

22· · · · A· · Was that a question?

23· · · · Q· · Yeah, that's what -- yeah, that's what I'm

24· ·asking.· Let me rephrase the question.· When a producing

25· ·agent is in the office, when they receive a call through

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·1· ·the Radius CRM, there's already a potential customer on

·2· ·the line?

·3· · · · A· · If they are using the Radius CRM whether

·4· ·they're in the office or not and the phone rings, they

·5· ·could be a potential customer.

·6· · · · Q· · Which means that when the call comes through

·7· ·to the insurance agent, they're automatically speaking

·8· ·to a potential customer?

·9· · · · A· · Correct.

10· · · · Q· · Okay.· And at that point when the sales agent

11· ·is on the phone with the potential customer, then the

12· ·sales agent just does their job and tries to sell

13· ·insurance, correct?

14· · · · A· · Yes.

15· · · · Q· · Okay.· Once, let's say that the sales agent

16· ·has a successful call and the potential customer wants

17· ·the insurance, now what process has to be followed by

18· ·the sales agent to complete that sale?

19· · · · A· · What process -- what's the question?

20· · · · Q· · Yeah, so sales agent gets the call that comes

21· ·through from the lead vendor, they sell the customer.

22· ·So, now the customer wants some type of insurance,

23· ·whether it be Ambetter, Oscar, United Healthcare,

24· ·whatever insurance they want, what is the next step in

25· ·the process to complete the sale to make sure that the

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·1· ·customer gets the insurance?

·2· · · · A· · So, they will need to enter the insurance

·3· ·company's information selected by the prospect.

·4· · · · Q· · I'm sorry, could you say that again?

·5· · · · A· · So, they would need to write down the

·6· ·insurance company selected by the prospect.

·7· · · · Q· · That's what the sales agent does?

·8· · · · A· · Correct.

·9· · · · Q· · Okay.· Where do they write down the insurance

10· ·company?

11· · · · A· · In the platform.

12· · · · Q· · In Radius?

13· · · · A· · Correct.· That's like the -- just to give you

14· ·an example, that's like the Uber driver completing

15· ·their -- their ride, you know, they had to log in and

16· ·enter that it was completed on their platform.

17· · · · Q· · Got it.· And once the agent writes down the

18· ·insurance company on Radius, whatever the insurance

19· ·company is, let's say it's United Healthcare, what then

20· ·happens?· Does any paperwork have to be signed by the

21· ·customer or the agent?

22· · · · A· · Paperwork, no. We basically don't have papers.

23· · · · Q· · Is that because everything is digital?

24· · · · A· · Everything is digital, yeah.

25· · · · Q· · All right.· So, let's just assume there's a

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·1· ·digital process, so in the digital process, what happens

·2· ·next after the -- a sales agent writes down the

·3· ·insurance company in Radius?

·4· · · · A· · I'm not sure.· What was the question?

·5· · · · Q· · Well, I mean, how does the customer get the

·6· ·insurance?

·7· · · · A· · Oh, that's with the insurance company, they

·8· ·issue a policy.

·9· · · · Q· · Right.· So, how do they --?

10· · · · A· · The insurance company sends a letter right by

11· ·regular mail to the now customer with the confirmation

12· ·that they have been enrolled.

13· · · · Q· · Got it.· So, once the sales agent writes down

14· ·the insurance company in Radius, there's automatic

15· ·process that just contacts the insurance company?

16· · · · A· · I still don't understand your question.

17· · · · Q· · Okay.· So, I'm a sales agent, I'm on the phone

18· ·with a potential customer, customer says, "I want United

19· ·Healthcare".

20· · · · · · ·Okay.· But we know that they don't just

21· ·automatically get United Healthcare.· I'm assuming that

22· ·the person who wants the insurance has to sign some type

23· ·of a document.· Is that correct?

24· · · · A· · They're not required to sign documents.

25· · · · Q· · They're not.· Okay.· So, is the insurance

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 10 of 54
·1· ·agent required to sign any document?

·2· · · · A· · Required, no.

·3· · · · Q· · So, people are just getting insurance without

·4· ·signing any type of contract with Avant Assurance?

·5· · · · A· · They don't need to sign a contract with Avant

·6· ·Assurance, the conversation happened between the

·7· ·prospect and the agent.

·8· · · · · · ·And so, the prospect wouldn't need to actually

·9· ·sign anything to get insured.

10· · · · Q· · Okay.· And so, now Radius is just keeping

11· ·track that the producing agent made a sale?

12· · · · A· · Yeah.· It stays in there -- in Radius.

13· · · · Q· · Okay.· And what does the insurance agent have

14· ·to do to tell Radius that they completed a sale?

15· · · · A· · Nothing, because once they pick up the phone,

16· ·they have been assigned to work with the prospect.· So,

17· ·their name is attached to the prospect's name.

18· · · · Q· · But sometimes when the agent gets off the

19· ·phone with a potential customer, the customer does not

20· ·want the insurance or they don't sell the customer,

21· ·right?

22· · · · A· · Correct.· Yeah, you don't get to sell all of

23· ·them.

24· · · · Q· · Right.· So, what's the difference between the

25· ·two?· What is happening different in Radius to let

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·1· ·Radius know that a sale was made?

·2· · · · A· · Like I said before, the agent will need to

·3· ·enter the insurance company's information that the

·4· ·prospect agreed to get.

·5· · · · Q· · Okay.· And then after the agent enters the

·6· ·insurance company's information, Avant Assurance has no

·7· ·more -- there's no other paperwork that Avant Assurance

·8· ·has to fill out, and when I say paperwork, I don't mean

·9· ·physical papers, I just mean there's no more documents

10· ·that have to be filled out at all on Avant Assurance's

11· ·side before this customer gets the insurance?

12· · · · A· · I'm not sure what you're asking.

13· · · · Q· · Okay.· Let's just go through this step by

14· ·step.· I sell, the customer agrees that they want United

15· ·Healthcare, correct?

16· · · · A· · Um-hum.

17· · · · Q· · As the insurance -- you have to say yes or no.

18· · · · A· · Yes.

19· · · · Q· · Okay.· As the insurance agent, I now go on the

20· ·Radius and say, "Okay, this customer wants United

21· ·Healthcare," right, so I click a button and that happens

22· ·in the software?

23· · · · A· · Yeah.· They basically enter the name of the

24· ·insurance company.

25· · · · Q· · Okay.· And then that's it, like there's no

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·1· ·more calls with this customer anymore from Avant?

·2· · · · A· · For -- on the agent side, no, there's no other

·3· ·interaction needed.

·4· · · · Q· · No other interaction with the customer?

·5· · · · A· · Yeah, the agent doesn't need to further

·6· ·interact with the customer.

·7· · · · Q· · Does anybody else at Avant Assurance interact

·8· ·with the customer any further after the agent completes

·9· ·the sale?

10· · · · A· · Yes, we have a customer service team.

11· · · · Q· · After the agent writes down the insurance

12· ·company that the customer wants to use, what does Radius

13· ·do to inform the insurance company?

14· · · · A· · Nothing.

15· · · · Q· · How does the insurance company find out that

16· ·they have a new customer?

17· · · · A· · That's done by our customer service.

18· · · · Q· · Got it.· Okay.· So, the customer service team

19· ·then takes over, and what do they do?

20· · · · A· · They basically do data entry.

21· · · · Q· · Okay.· What data do they enter?

22· · · · A· · The customer's information into the insurance

23· ·company's portal, maybe, yeah.

24· · · · Q· · And who's on -- who was on the customer

25· ·service team in 2020?

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·1· · · · A· · Well that, I don't know.

·2· · · · Q· · Why not?

·3· · · · A· · Because it was probably more than one person,

·4· ·and I don't recall.· I don't remember.

·5· · · · Q· · Okay.· Were you ever part of the customer

·6· ·service team?

·7· · · · A· · Yes, I have been part of the -- their team.

·8· · · · Q· · Okay.· Did you ever do data entry and send

·9· ·customer information over to insurance companies?

10· · · · A· · Yes.

11· · · · Q· · Did you do that in 2020?

12· · · · A· · Yes.

13· · · · Q· · And were you the only person doing it in 2020?

14· · · · A· · No, I probably had more people assisting me.

15· · · · Q· · Okay. But you don't remember any of those

16· ·people?

17· · · · A· · It was 2020 no, I don't remember.

18· · · · Q· · Okay.· How about on -- your wife, did she ever

19· ·do any customer service data entry?

20· · · · A· · Data entry, probably she did.

21· · · · Q· · Do you still do data entry?

22· · · · A· · What's the question?

23· · · · Q· · Do you still do data entry now?

24· · · · A· · Yes.

25· · · · Q· · Does Ms. Quintero still do data entry now?

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 11 of 54
·1· · · · A· · That I don't know.

·2· · · · Q· · Why not?

·3· · · · A· · Because I'm not controlling a 100% of what she

·4· ·does every single day.

·5· · · · Q· · What does she do for Avant Assurance?

·6· · · · A· · She works with the mostly with the independent

·7· ·agents -- with the relationship with the independent

·8· ·agents.

·9· · · · Q· · What does that mean -- what does her day, like

10· ·when she comes into the office in Doral what does she do

11· ·when she gets there?

12· · · · A· · She may be getting call from independent

13· ·agents inquiring about if any company is doing the

14· ·market or if anything has changed when it comes to

15· ·products if there's any news on the industry and

16· ·basically keeping you know, the relationship. Sometimes

17· ·there's nothing going on.

18· · · · Q· · All right.· What is Blueink?

19· · · · A· · What is?

20· · · · Q· · Yes, what is Blueink?

21· · · · A· · Blueink, they're like a DocuSign, it's a

22· ·platform -- platform.

23· · · · Q· · Okay.· And does Avant Assurance use Blueink?

24· · · · A· · If we're currently using, or if we have used

25· ·it in the past?

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·1· · · · Q· · Let's do both.· Did you use Blueink -- did

·2· ·Avant Assurance use Blueink in the past?

·3· · · · A· · In the past, yes.

·4· · · · Q· · When did Avant Assurance start using Blueink?

·5· · · · A· · That I don't recall.

·6· · · · Q· · When did Avant Assurance stop using Blueink?

·7· · · · A· · Last year.

·8· · · · Q· · Why did you stopped using Blueink?

·9· · · · A· · Why?

10· · · · Q· · Yes.

11· · · · A· · Too expensive and it's not required, so.

12· · · · Q· · Got it.· You said it's a DocuSign platform.

13· ·What types of documents were being signed using Blueink?

14· · · · A· · What type of document?

15· · · · Q· · Right.

16· · · · A· · That we were using or in general?

17· · · · Q· · I mean, I'm more interested in what Avant

18· ·Assurance -- what types of documents Avant Assurance was

19· ·having signed using Blueink?

20· · · · A· · So, we had a general consent form.

21· · · · Q· · And who was signing the general consent form?

22· · · · A· · Who was signing -- the prospects, but not at

23· ·all times.

24· · · · Q· · What was the general consent form basically

25· ·for?

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·1· · · · A· · Just to basically protect the company from

·2· ·consumer, going back and saying that they did not

·3· ·authorize the enrollment.

·4· · · · Q· · So, would that -- was that DocuSign -- was

·5· ·that document in English or Spanish, the general consent

·6· ·form?

·7· · · · A· · Probably both.

·8· · · · Q· · Who created the general consent form?

·9· · · · A· · I did.

10· · · · Q· · Did you have help in creating that general

11· ·consent form from an attorney?

12· · · · A· · No.

13· · · · Q· · Did you require that all potential clients

14· ·sign that general consent form after they were sold?

15· · · · A· · No.

16· · · · Q· · Who was responsible -- for if a customer did

17· ·sign that general consent form, who was responsible for

18· ·giving it to them?

19· · · · A· · What's the question again?

20· · · · Q· · If a customer did sign the general consent

21· ·form, who was responsible for giving it to them?

22· · · · A· · That would have been the either the agent or a

23· ·customer service representative.

24· · · · Q· · Okay.· And so, what would decide whether or

25· ·not a customer received the general consent form?

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·1· · · · A· · Can you please repeat that question?

·2· · · · Q· · Yeah, if they weren't always used -- but my

·3· ·understanding of what you said was that Avant wanted to

·4· ·use the general consent forms to protect itself because

·5· ·you know, a customer might get insurance and say, well,

·6· ·I didn't sign up for it.

·7· · · · · · ·So, this general consent form basically, I'm

·8· ·assuming, said that the customer, did sign up for the

·9· ·insurance and that they wanted it, correct?

10· · · · A· · I definitely did not understand what you're

11· ·asking.

12· · · · Q· · Okay.· Well, you drafted the general consent

13· ·form, right?

14· · · · A· · Yes.

15· · · · Q· · Okay.· What was the purpose of the general

16· ·consent form?

17· · · · A· · In order to protect the company from any

18· ·consumer that might come back and say that they did not

19· ·authorize enrollment.

20· · · · Q· · Okay.· So why would you not have every

21· ·customer sign a general consent form, if you want to

22· ·protect Avant Assurance in that way?

23· · · · A· · Because the calls were also recorded.

24· · · · Q· · Got it.

25· · · · A· · So, it wasn't a required document and industry

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 12 of 54
·1· ·standard (phonetic) also it doesn't require to have a

·2· ·consent form.

·3· · · · Q· · And so, then we get back to my other question

·4· ·which was, when was a decision made to sometimes use

·5· ·general consent -- well, let me ask a different

·6· ·question.· Who made the decision to use the general

·7· ·consent forms on a case-by-case basis?

·8· · · · A· · The agent.

·9· · · · Q· · Okay.· So, sometimes an agent would choose to

10· ·use it and sometimes they wouldn't?

11· · · · A· · Correct.

12· · · · Q· · Okay.

13· · · · A· · They were making the decision based on their

14· ·own criteria with the prospect.

15· · · · Q· · All right.· Was the general consent form

16· ·actually titled general consent form, is that what's at

17· ·the top of the document?

18· · · · A· · I don't know what it would say.

19· · · · Q· · Did it say client consent statement?

20· · · · A· · I'm not sure.

21· · · · Q· · Okay.· Is -- do you have access to any of

22· ·those forms that you were, that you called the general

23· ·consent form?

24· · · · A· · If I have access?

25· · · · Q· · Yes.

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·1· · · · A· · Yes.

·2· · · · Q· · Okay.· And so, you can go somewhere and look

·3· ·to see what the name of that document is?

·4· · · · A· · Correct.

·5· · · · Q· · All right.· Besides what you call the general

·6· ·consent form, did -- was Blueink used for any other

·7· ·documents to be signed?

·8· · · · A· · It could have been.

·9· · · · Q· · Okay.· Which other documents?

10· · · · A· · That I wouldn't know because I mean you could

11· ·basically upload a template and use it for people to

12· ·sign.

13· · · · Q· · Got it.· Okay.· Now once an insurance agent

14· ·registers a sale through Radius, do they receive

15· ·compensation for each sale that they make?

16· · · · A· · Can you please repeat that question?

17· · · · Q· · Yes.· Do insurance agents receive compensation

18· ·for each sale that they make?

19· · · · A· · Yes, if the sale was paid by the insurance

20· ·company to Avant the answer is yes.· It was on a

21· ·contingent basis.

22· · · · Q· · Okay.· Now you said if the sale was paid by

23· ·the insurance company to Avant, what other way was

24· ·payment made if it wasn't by the insurance company to

25· ·Avant?

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·1· · · · A· · No, so if it wasn't paid to Avant basically

·2· ·means that there was no sale.

·3· · · · Q· · I see, I got it.

·4· · · · A· · Yeah, so there was no compensation due.

·5· · · · Q· · Okay.· So, were there situations -- did the

·6· ·situation ever occur where agent is on the phone with a

·7· ·potential customer, they write an insurance company

·8· ·named down in Radius, but then the customer does not

·9· ·actually receive the insurance?

10· · · · A· · Or it could be that another agent sold the

11· ·same policy to the same prospect right after the same

12· ·agent and that's the agent who got compensated.· It

13· ·happens a lot.

14· · · · Q· · How does that happen?

15· · · · A· · It happens a lot because the prophet says yes

16· ·to many agents.· So, I could be talking to you today you

17· ·agree to acquire a policy and then we hang up and

18· ·tomorrow you get a phone call and then you enrolled

19· ·again because you forgot that you spoke to me today.

20· · · · · · ·And then the second agent is the one that's

21· ·going to get paid and the second agent might be from a

22· ·different agency that we don't know of.

23· · · · Q· · Okay.· Has that ever happened internally

24· ·within Avant where a second agent sells a customer that

25· ·a first agent had already tried to sell previously?

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·1· · · · A· · Yeah, it probably happened amongst your own,

·2· ·your clients as well.

·3· · · · Q· · You mean my clients as an attorney?· As a

·4· ·lawyer?

·5· · · · A· · Yeah, the Plaintiffs'.

·6· · · · Q· · You mean -- okay, I see what you mean -- the

·7· ·Plaintiffs'.

·8· · · · A· · Yeah.

·9· · · · Q· · I understand.· I got you.

10· · · · A· · Yeah.

11· · · · Q· · Okay. All right. Is there any type of a

12· ·procedure in place at Avant to prevent that from

13· ·happening?

14· · · · A· · No.

15· · · · Q· · Is that just like part of doing the insurance

16· ·agent business?

17· · · · A· · Yeah, unfortunately you cannot prevent from a

18· ·consumer enrolling over and over, because that's the

19· ·enrollment -- the consumer decision.· It's on each

20· ·agent's job to reinforce to each of the consumer that

21· ·they have been enrolled.· And some agents may do a

22· ·better job than others, you know.

23· · · · Q· · Okay.· Understood.· Were there ever any

24· ·disputes or arguments or complaints at Avant about

25· ·agents taking other agents' sales?

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 13 of 54
·1· · · · A· · Dispute, no I don't think so.· Conversations

·2· ·that, that happen, yes.

·3· · · · Q· · Do you know if there were any of those types

·4· ·of conversations happening between the Plaintiffs in

·5· ·this case?

·6· · · · A· · They could have been involved, but I wouldn't

·7· ·recall exactly.

·8· · · · Q· · Okay.· Are you also a sales agent?

·9· · · · A· · I am.

10· · · · Q· · Okay.· And did you also sell insurance

11· ·policies to potential customers?

12· · · · A· · Occasionally.

13· · · · Q· · Did any of my clients, the Plaintiffs' in this

14· ·case complain to you or have any conversations with you

15· ·about taking any of their customers?

16· · · · A· · Never.

17· · · · Q· · Do you know if any of the Plaintiffs' in this

18· ·case complained that Andrea Quintero took any of their

19· ·customers?

20· · · · A· · No.

21· · · · Q· · I'm sorry, I didn't hear you.

22· · · · A· · No.

23· · · · Q· · Okay.· All right.· Did Avant have a written

24· ·contract with its agents about how they would be

25· ·compensated for making a sale?

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·1· · · · A· · Which type of agents?

·2· · · · Q· · I guess what type of agents do you have?

·3· · · · A· · We have employees and we have independent

·4· ·contractors.

·5· · · · Q· · Okay.· So, let's just talk about the

·6· ·Plaintiffs' in this case.· So, I'm going to be referring

·7· ·to Delio Batista, Rafaela Valiente, Carlos Lopez and

·8· ·Mariana Lopez.

·9· · · · · · ·So, did they have a written contract with

10· ·Avant Assurance that explained how they would get paid

11· ·for making a sale?

12· · · · A· · Yes, there was 2 pages document I believe or

13· ·maybe 3 pages.

14· · · · Q· · When did they first sign that contract?

15· · · · A· · I'm not sure that they signed it.

16· · · · Q· · Okay.· What was it a contract or was it just

17· ·like a inf -- piece of information that was given to

18· ·them?

19· · · · A· · It was a contract.

20· · · · Q· · Okay.· Let me show you what I'm going to mark

21· ·as Exhibit A.

22· · · · · · ·Okay.· I'm now showing you what I'm marking as

23· ·Exhibit A for the deposition record.

24· · · · · · ·(Thereupon, Plaintiffs' Exhibit A was entered

25· · · · · · ·into the record.)

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·1· · · · A· · There's a document there, yes.

·2· ·BY MR. CUMMINGS:

·3· · · · Q· · Okay.· You can see the document?

·4· · · · A· · Yes.

·5· · · · Q· · All right.· At the top of this document, it

·6· ·says, "Independent contractor non-disclosure agreement

·7· ·between Avant Assurance and Independent Contractor". So,

·8· ·is this the document that you were referring to just a

·9· ·second ago?

10· · · · A· · So, this is a document that was presented to

11· ·Mariana Lopez and she did not sign and the one that I

12· ·was referring to was a different document.

13· · · · Q· · Okay.· Do you remember what the name of that

14· ·document was that you were referring to, the one that

15· ·explains the compensation?

16· · · · A· · No, I don't recall the name.· And I believe

17· ·you have it because you posted in your complaint,

18· ·partially.

19· · · · Q· · Okay.· Let me check to see now while we're

20· ·still on Exhibit A here, the one that's on your screen,

21· ·you said that this agreement was presented to Mariana

22· ·Lopez, just her in particular or all of the Plaintiffs'?

23· · · · A· · So, at the time that we had this document

24· ·prepared, she was the only one that was actively

25· ·producing for Avant.

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·1· · · · Q· · When was this document prepared?

·2· · · · A· · Sometime in last year.

·3· · · · Q· · And you're saying -- you said that Ms. Lopez

·4· ·never signed this document I'm showing you on Exhibit A?

·5· · · · A· · That I'm aware of she did not.

·6· · · · Q· · Was there any disagreement between you and her

·7· ·about her signing it or she just didn't sign it for some

·8· ·other reason?

·9· · · · A· · She just didn't sign it and basically sent an

10· ·e-mail saying that she did not longer want to continue

11· ·producing for Avant.

12· · · · Q· · Okay.· So, Ms. Lopez was sent this Exhibit A,

13· ·this independent contractor agreement, and in response

14· ·to receiving it she said, I don't want to work for Avant

15· ·anymore, or it was just the timing of it, she happened

16· ·to say she didn't want to work anymore, but the two are

17· ·not related?

18· · · · A· · This was probably sent on a Friday, and then

19· ·on a Monday we received her response.

20· · · · Q· · Okay.· Were you res -- were you surprised when

21· ·you received her response that she no longer wanted to

22· ·work for Avant?

23· · · · A· · Yes, we were all surprised.

24· · · · Q· · And at the time that Ms. Lopez informed you

25· ·that she no longer wanted to work for Avant was Delio

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 14 of 54
·1· ·Batista working for Avant at that time?

·2· · · · A· · No.

·3· · · · Q· · Was Carlos Lopez working for Avant at that

·4· ·time?

·5· · · · A· · No.

·6· · · · Q· · Was Rafaela Valiente working for Avant at that

·7· ·time?

·8· · · · A· · That I don't recall.

·9· · · · Q· · Okay.· And -- okay, no problem.· Let me show

10· ·you -- okay. I'm now going to show you Exhibit B for the

11· ·record.

12· · · · · · ·(Thereupon, Plaintiffs' Exhibit B was entered

13· · · · · · ·into the record.)

14· ·BY MR. CUMMINGS:

15· · · · Q· · Okay.· I'm now showing you Exhibit B -- not

16· ·sure -- let me to just make this a little bigger.· All

17· ·right.· Okay.· Can you see the document that I'm showing

18· ·you on the screen now that I'm marked as Exhibit B?

19· · · · A· · Appears to be an e-mail, right?

20· · · · Q· · Yeah.· I'm just asking can you see it, can you

21· ·read it because I don't know if I need to make it

22· ·bigger.

23· · · · A· · No, I cannot read what it says.

24· · · · Q· · Okay.· Let me try to make it a little bigger.

25· ·Can you -- okay, can you -- is it more legible now? Can

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·1· ·you read it now?

·2· · · · A· · Yes.

·3· · · · Q· · Okay. All right. Do you recognize this e-mail?

·4· · · · A· · Yes.

·5· · · · Q· · All right.· And this e-mail was sent from

·6· ·Jennifer Manjarres correct?

·7· · · · A· · Correct.

·8· · · · Q· · And her e-mail address is there, and it says

·9· ·jmanjarres@avantassurance.com?

10· · · · A· · Yes.

11· · · · Q· · Okay.· Is that still her e-mail address?

12· · · · A· · That's still her e-mail, yeah.

13· · · · Q· · Got it.· All right.· And when I move over to

14· ·the date, it says July 8th, 2022 at 5:26 p.m. and it

15· ·says that this e-mail was sent to somebody named Ana,

16· ·alejandragutierrez_369, me which I'm assuming is

17· ·Jennifer Manjarres, Katrina, mdmc0130, Alix, Reinier,

18· ·Andrea and that's all we can see.· So let me just start

19· ·with the first person.· Do you know who Ana is?

20· · · · A· · We have a person called Ana, but I don't know

21· ·if that's the same Ana.

22· · · · Q· · Okay.· What's the Ana that you know -- what's

23· ·he name?

24· · · · A· · She's Monge.

25· · · · Q· · Could you please spell that?

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·1· · · · A· · Well, don't quote me on the spelling.

·2· · · · Q· · Uh-hum.

·3· · · · A· · Yeah, M-O-N-G-E.

·4· · · · Q· · Does that Ana still work for Avant now?

·5· · · · A· · She's still a -- she's an employee.

·6· · · · Q· · What does Ana do?

·7· · · · A· · She's a sales agent.

·8· · · · Q· · Okay.· And then who's alejandrogutierrez_369?

·9· · · · A· · I don't know who that e-mail belongs to.

10· · · · Q· · Do you know who the Katrina name belongs to?

11· · · · A· · No.

12· · · · Q· · Okay.· Could that be Katrina Guerra?

13· · · · A· · I don't know.· I mean, if you cannot see the

14· ·whole e-mail I don't want to guess right.

15· · · · Q· · Good answer.· All right.· Do you know who

16· ·mdmc0130 is?

17· · · · A· · No.

18· · · · Q· · Okay.· How about Alix?

19· · · · A· · If I don't see the full e-mail, I cannot

20· ·answer.

21· · · · Q· · Okay.· What about Reinier?

22· · · · A· · The same, if I don't see the full e-mail, I

23· ·wouldn't know if that's me or not.

24· · · · Q· · All right.· And then Andrea, you can't say

25· ·whether or not that's your wife?· Mr. Cortes you can't

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·1· ·say whether or not the Andrea name is your wife?

·2· · · · · · ·MR. CUETO:· I'm sorry. The --

·3· · · · A· · Yeah.

·4· ·BY MR. CUMMINGS:

·5· · · · Q· · Okay.· But either way let's just look at the

·6· ·substance of this e-mail.· It says, "Hello ladies,

·7· ·please review the attached two documents and sign where

·8· ·indicated by next week, Tuesday July 12th.· If you have

·9· ·any questions, please feel free to let Reinier know".

10· · · · · · ·So, at the bottom we see that there's two

11· ·documents that are attached.· One says, "Avant

12· ·Assurance, independent Contractor Standards Guide" and

13· ·then one says "NDA independent and then . . ."

14· · · · · · ·So, let's just look at the first document, the

15· ·Avant Assurance Independent Contractor Standards Guide

16· ·was that document just newly created back in July, 2022?

17· · · · A· · That was a document created last year.

18· · · · Q· · Okay.· Who created that document?

19· · · · A· · I'm not sure if it was in July or not.

20· · · · Q· · Do you know who created it?

21· · · · A· · We probably have an legal assistant creating a

22· ·document.

23· · · · Q· · A legal assistant that works for of Avant or

24· ·legal assistant that Avant --?

25· · · · A· · Yes, contractor --.

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 15 of 54
·1· · · · Q· · Contractor?

·2· · · · A· · Contractor, yeah.

·3· · · · Q· · Okay.· Now when you say probably, because you

·4· ·tend to say probably --.

·5· · · · A· · We may have edited document, we may have

·6· ·edited document and after the fact.

·7· · · · Q· · Okay.· So, just to remind you, please let me

·8· ·finish because we're going to drive the Court Reporter

·9· ·crazy because we're talking over each other.· So, let me

10· ·just re-ask that question.

11· · · · · · ·Did Avant Assurance hire ind -- outside legal

12· ·counsel to create an independent contractor guide for

13· ·them?

14· · · · A· · Yes.

15· · · · Q· · Okay.· Was that Mr. Cueto?

16· · · · A· · What was the question?

17· · · · Q· · Was it Mr. Cueto -- was it Santiago Cueto was

18· ·the person that you hired for legal?

19· · · · A· · It was his Law Firm.

20· · · · Q· · Okay.· All right.· And then the other

21· ·document, the NDA independent contractor agreement,

22· ·which I already showed in Exhibit A.

23· · · · · · ·Did Mr. Cueto's Law Firm help Avant Assurance

24· ·prepare that document as well?

25· · · · A· · I don't remember.· And I can barely read what

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·1· ·you have on the screen, by the way.

·2· · · · Q· · Which part are you talking about?

·3· · · · A· · The attachments, I can barely see what they

·4· ·say.

·5· · · · Q· · Okay.· Just bear with me for a second.· You

·6· ·know what, we've been going for about hour and a half

·7· ·this is a good time to take a break.· Let's take a 10

·8· ·minute break?

·9· · · · · · ·MR. CUETO:· Okay.

10· · · · · · ·MR. CUMMINGS:· We come back at 11:45?

11· · · · · · ·MR. CUETO:· Yeah.

12· · · · · · ·MR. CUMMINGS:· Okay.

13· · · · · · ·THE COURT REPORTER:· Off the record.

14· · · · · · ·(Thereupon, a short discussion was held off

15· · · · · · ·record.)

16· · · · · · ·(Deposition resumed.)

17· ·BY MR. CUMMINGS:

18· · · · Q· · Okay.· All right.· So, before we took a break,

19· ·Mr. Cortes I was showing you this document. Okay.· I was

20· ·showing you this document and this is Exhibit B and I

21· ·just want to point the -- to the bate stamp number at

22· ·the bottom.

23· · · · · · ·So, this says Defendant's Mariana Lopez and

24· ·Carlos Lopez bate stamp number 2, which we provided in

25· ·the other state court case where Avant Assurance is

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·1· ·suing two of my clients.

·2· · · · · · ·So, I'll just put that to the side for now.

·3· ·And what I'll do now is I'll show you Exhibit C.

·4· · · · · · ·(Thereupon, Plaintiffs' Exhibit C was entered

·5· · · · · · ·into the record.)

·6· ·BY MR. CUMMINGS:

·7· · · · Q· · And Exhibit C has a different bate stamp

·8· ·number at the bottom, which is Avant Assurance versus

·9· ·Lopez, which is this present case.· And it has bate

10· ·stamp number 24.

11· · · · · · ·So, this document was provided by your

12· ·attorney or you know, by the defendants in this case,

13· ·which is Avant.· Anyway, all that to say here we can see

14· ·essentially the same e-mail, but it's a little bit of a

15· ·cleaner copy and good for us, it actually has the CC

16· ·names up here also.

17· · · · · · ·So, what I'll do is I'll just make this a

18· ·little bigger for you and let's just start with those

19· ·other e- mail addresses that we were referring to

20· ·earlier.

21· · · · · · ·Okay.· So, you previously said that Ana could

22· ·be Ana, you know, Monge M-O-N-G-E and it is in fact her.

23· ·Okay.· So, again who is she at Avant Assurance, she's a

24· ·sales agent?

25· · · · A· · She's a sales agent.

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·1· · · · Q· · Okay.· Got it.· Moving over to Mariana Lopez,

·2· ·we see that that e-mail address says

·3· ·mariana62@gmail.com.· Do you recognize that e-mail

·4· ·address?

·5· · · · A· · Yeah, it could be her e-mail.

·6· · · · Q· · Okay.· All right.· And then -- and by her you

·7· ·mean Mariana Lopez, you're a former sales agent, right?

·8· · · · A· · Correct.

·9· · · · Q· · Okay.· Katrina is in fact Katrina Guerra and

10· ·Ms. Guerra is the person who you said is now a sales

11· ·manager at Avant?

12· · · · A· · She's a sales manager now, yes.

13· · · · Q· · Got it.· The mdmc0130@gmail.com that still

14· ·doesn't ring a bell to you?

15· · · · A· · No.

16· · · · Q· · All right.· The Alix name was Alix Ledsma. Do

17· ·you recognize that e-mail address after the name?

18· · · · A· · Yes.

19· · · · Q· · Okay.· And then Reinier, that seems to be you,

20· ·Reinier Cortes, do you recognize your e-mail address?

21· · · · A· · That's my e-mail.

22· · · · Q· · Okay.· And then Andrea says, Andrea Gonzalez.

23· ·Do you recognize that e-mail address?

24· · · · A· · Yes.

25· · · · Q· · Okay.· Is that the e-mail address for your

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 16 of 54
·1· ·wife?

·2· · · · A· · For Andrea Gonzalez.

·3· · · · Q· · Okay. Is she the same Andrea Gonzalez

·4· ·Quintero?

·5· · · · A· · Yes.

·6· · · · Q· · Okay.· Who is your wife, right?

·7· · · · A· · She is also my wife.

·8· · · · Q· · Okay.· All right, cool.· So now we know who

·9· ·those people are.· And then previously you said that you

10· ·couldn't see the attachments.· Are the attachments more

11· ·visible in Exhibit C?

12· · · · A· · There's a title, but the attachment itself, I

13· ·don't know what it says.

14· · · · Q· · Well, yeah, of course.· Like I'm not asking --

15· ·we can just see that there's two attachments here that

16· ·are PDFs.

17· · · · A· · Correct.

18· · · · Q· · And you can actually read what the PDF title

19· ·says here though, right?

20· · · · A· · Yes.

21· · · · Q· · Okay. Got it. All right. So, were these -- the

22· ·independent contractor standards and the independent

23· ·contractor agreement itself, did they exist prior to

24· ·July, 2022?

25· · · · A· · I'm not sure when they were prepared.

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·1· · · · Q· · Did you direct Ms. Manjarres to send an

·2· ·independent contractor agreement and independent

·3· ·contractor standard out to sales agents that were

·4· ·currently working at Avant at that time?

·5· · · · A· · Can you repeat the question?

·6· · · · Q· · Yeah.· Did you tell Ms. Manjarres to send the

·7· ·independent contractor agreement and the independent

·8· ·contractor standards to all of the sales agents that

·9· ·were working at Avant at that time?

10· · · · A· · Not to all, but to some agents, yes.

11· · · · Q· · Okay.· Why just to some and not to all?

12· · · · A· · Because there's agents that were not

13· ·soliciting business from the office.

14· · · · Q· · Okay.· Were they work -- were those sales

15· ·agents who were not soliciting business from the office

16· ·were they physically present at Avant's office?

17· · · · A· · They were on and off.

18· · · · Q· · Did you consider the agents that were on and

19· ·off to be independent contractors?

20· · · · A· · Yes, they're also independent contractors.

21· · · · Q· · Okay.· Did those agents that you're referring

22· ·to sign an independent contractor agreement before this

23· ·one was sent out in July 8th, 2022?

24· · · · A· · Not that I recall.

25· · · · Q· · All right.· And you -- I believe you

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·1· ·previously mentioned that Delio Batista never signed an

·2· ·independent contractor agreement with Avant, correct?

·3· · · · A· · I'm not sure he signed or not but most likely

·4· ·he didn't.

·5· · · · Q· · Why is that most likely?

·6· · · · A· · Because I don't know why he signed or not.

·7· · · · Q· · Okay.· Why don't you know?

·8· · · · A· · Because I don't know Toussaint.· I don't know

·9· ·every single document that people have signed with us.

10· · · · Q· · Okay.

11· · · · A· · I may not recall.

12· · · · · · ·MR. CUETO:· Asked and answered.

13· ·BY MR. CUMMINGS:

14· · · · Q· · No, I got it.· Why did you feel it was

15· ·important for certain sales agents to sign an

16· ·independent contractor agreement in July, of 2022?

17· · · · A· · Well, the company continued to grow, it was

18· ·important to have better systems in place, and that

19· ·included, you know, agreements.

20· · · · Q· · All right.· Let's talk about Carlos Lopez. Did

21· ·Carlos Lopez sign an independent contractor agreement

22· ·with Avant Assurance?

23· · · · A· · The same answer that I gave for Delio, I don't

24· ·know if he actually signed one, but I'm inclined to say

25· ·no.

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·1· · · · Q· · And Rafaela Valiente, did she ever sign an

·2· ·independent contractor agreement with Avant Assurance?

·3· · · · A· · I wouldn't know.

·4· · · · Q· · And even though Delio Batista, Rafaela

·5· ·Valiente, Carlos Lopez and Mariana Lopez did not sign

·6· ·independent contractor agreements or you're not sure if

·7· ·they did you still considered them independent

·8· ·contractors?

·9· · · · A· · Yes.

10· · · · Q· · Okay.· Why is that?

11· · · · A· · That was their request.

12· · · · Q· · When did they make that request?

13· · · · A· · In multiple occasions.

14· · · · Q· · Did they make that request directly to you?

15· · · · A· · Yes.

16· · · · Q· · Did they make that request in writing?

17· · · · A· · They did.

18· · · · Q· · And in writing, was that through an e-mail?

19· · · · A· · Yes.

20· · · · Q· · Do you know if you've sent any of those

21· ·e-mails where they requested to be independent

22· ·contractors over to us or my law firm?

23· · · · A· · I'm not sure.

24· · · · Q· · Do you still have access to those e-mails

25· ·where the Plaintiffs are requesting to be considered

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 17 of 54
·1· ·independent contractors?

·2· · · · A· · Yes, we should have access to them.

·3· · · · · · ·MR. CUETO:· Yeah.· Mr. Toussaint, I think we

·4· · · · did send them over but again I'll be happy to

·5· · · · double check.

·6· · · · · · ·MR. CUMMINGS:· Okay.· No problem.· I mean, if

·7· · · · you sent them over, it was probably in the same

·8· · · · production that I've been going through.

·9· · · · · · ·So, I mean, some of the, a lot of this is in

10· · · · Spanish, so you know, it could have slipped me that

11· · · · way.

12· · · · · · ·MR. CUETO:· Right.

13· ·BY MR. CUMMINGS:

14· · · · Q· · Yeah, I'm not sure let me just ask, you know,

15· ·Mr. Cortes, did you mainly communicate with the

16· ·Plaintiffs' in Spanish by e-mail?

17· · · · A· · With some of them, yes.

18· · · · Q· · And do you remember which of the Plaintiffs'

19· ·you know, exclusively communicated with in Spanish?

20· · · · A· · That's probably Rafaela.

21· · · · Q· · As far as you know, Carlos Lopez spoke Spanish

22· ·and English?

23· · · · A· · He was able to speak English.

24· · · · Q· · Okay.· Did you want to add anything?

25· · · · A· · No.

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·1· · · · Q· · Okay.· As far as you know Delio Batista, did

·2· ·he mainly communicate in Spanish or English?

·3· · · · A· · He was fully bilingual, English and Spanish.

·4· · · · Q· · Okay.· And Mariana Lopez, was she bilingual

·5· ·also, as far as, you know?

·6· · · · A· · She was able to communicate in English as

·7· ·well, so it was both English and Spanish.

·8· · · · Q· · Now, let's just go through each person, Delio

·9· ·Batista when did he request to be an independent

10· ·contractor?

11· · · · A· · Initially when he first became an agent, and

12· ·then he reiterated his request in multiple occasions.

13· · · · Q· · And how would that topic of conversation come

14· ·up, was the -- was Mr. Batista saying, just walking up

15· ·to you randomly and saying, "Hey, I want to be an

16· ·independent contractor" or was there some kind of

17· ·conversation that led to him making that request?

18· · · · A· · I wouldn't recall exactly, but it was a mutual

19· ·understanding, a mutual agreement.

20· · · · Q· · When Mr. Batista first started working for --

21· ·well, let me ask you this.· Did Mr. Batista start

22· ·working, for Avant Assurance in 2020?

23· · · · A· · Probably was in 2020, but I'm not sure.

24· · · · Q· · Okay.· And I know you said that Avant

25· ·Assurance first opened in 2020.· So, was Mr. Batista one

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·1· ·of the first producing agents that Avant Assurance

·2· ·worked with?

·3· · · · A· · He probably was.

·4· · · · Q· · And when he first came on board, did

·5· ·Mr. Batista say, "I want to be an independent

·6· ·contractor" or was that something that you mentioned to

·7· ·him first?

·8· · · · A· · I don't recall exactly how the conversation

·9· ·came about.· All I recall was that we were both in

10· ·agreement.· He wanted to have control of his schedule.

11· · · · · · ·And I said, well if you sell great, we both

12· ·make money, the company and you, if you don't sell, you

13· ·don't make money.· The company doesn't make money, so

14· ·you're free to come anytime you want.

15· · · · · · ·And that's what he was looking for you know,

16· ·to have a flexible schedule.

17· · · · Q· · Okay.

18· · · · A· · He also wanted to work from home, and sometime

19· ·he decided that the office was a better setting for him.

20· · · · Q· · Was Mr. Batista allowed to work from home when

21· ·he wanted?

22· · · · A· · Yeah, he did work from home.· It was the

23· ·middle of the pandemic.· So, you would imagine that

24· ·people didn't want to be leaving their houses.

25· · · · Q· · Was Avant Assurance's Kendall office open

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·1· ·during the pandemic?

·2· · · · A· · For the most part, I believe it was. It

·3· ·doesn't mean that we were going to the office.· He even

·4· ·had a key to the office because he was either free to go

·5· ·to the office or stay home.

·6· · · · Q· · Did you go to the office during the pandemic?

·7· · · · A· · Not all the time.

·8· · · · Q· · Was there any schedule worked out for the

·9· ·people who were working in the office to be there at

10· ·certain times so they wouldn't be in contact with other

11· ·people?

12· · · · A· · No, they were basically coordinating among

13· ·themselves which time they were going to go and for how

14· ·long.· Like one of them could show up at 9 a.m. and if

15· ·they wanted to leave at 2, they would leave at 2.

16· · · · · · ·And sometime they would say bye and sometime

17· ·they wouldn't, they were free to, you know, come and go

18· ·as they wanted.· Just saying if they wanted to step out

19· ·for lunch, I didn't know that they were out for lunch I

20· ·thought that they would've been in the restroom. I don't

21· ·know.

22· · · · · · ·So, they were basically a 100% free to go in

23· ·and out of the office anytime they wanted from the hours

24· ·that the office was, was open, 9 to 9, you know.

25· · · · Q· · Okay.· Who opens the office in the morning?

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 18 of 54
·1· · · · A· · Sometime it will have been me or, or any other

·2· ·agent that may have had a key.

·3· · · · Q· · Okay.· Well do all agents get keys when they

·4· ·start working with Avant Assurance?

·5· · · · A· · Not all because just a handful of them.· They

·6· ·have a key, if you ask me exactly who had a key, I

·7· ·wouldn't know everybody that had a key to be honest.

·8· · · · Q· · And we're talking about the Kendall office at

·9· ·this time, correct during the pandemic?

10· · · · A· · Correct.

11· · · · Q· · When the office moved to Doral, did Delio

12· ·Batista have a key to the Doral office?

13· · · · A· · That I don't remember.

14· · · · Q· · All right.· Now switching over to, let's just

15· ·say Rafaela Valiente, did she also request to be an

16· ·independent contractor?

17· · · · A· · Yes.

18· · · · Q· · Excuse me.· Who worked at Avant first, was it

19· ·Delio or was it Rafaela?

20· · · · A· · No, I certainly don't remember.

21· · · · Q· · Did you know Ms. Valiente before she started

22· ·working with Avant Assurance?

23· · · · A· · So, she was referred to us by another agency

24· ·that we're partnered with.

25· · · · Q· · What's that agency?

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·1· · · · A· · The name of the agency?

·2· · · · Q· · Yes.

·3· · · · A· · Yeah, it's called Ashley as in the furniture

·4· ·store.· And then -- and I don't know what's the rest of

·5· ·the name, but it's Ashley something, yeah.

·6· · · · Q· · Okay.· Just give me one second.· I'm sorry.

·7· · · · A· · Okay.

·8· · · · Q· · People are trying to talk to me over here.

·9· ·Give me a second.· Okay.· All right.· So, I'm sorry, you

10· ·said Ashley and you said you don't remember the name,

11· ·the rest of it?

12· · · · A· · The full name, correct.

13· · · · Q· · Okay.· So, do you still partner with that,

14· ·insurance agency?

15· · · · A· · Yes.

16· · · · Q· · Are you an owner of that agency?

17· · · · A· · No.

18· · · · Q· · Do you know the owner of the agency?

19· · · · A· · I know the principal producer for the agency.

20· ·I don't know if they actually own the agency.

21· · · · Q· · Okay.· Who's that?

22· · · · A· · So there's a person called Yuri Rodriguez.

23· · · · Q· · Did you say Julius?

24· · · · A· · Y-U-R-I.

25· · · · Q· · I see.· Okay.

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·1· · · · A· · As in the cosmonaut.· Yeah.

·2· · · · Q· · Okay.· I understand.· All right.· So, either

·3· ·way, Rafaela came over from Ashley and then started

·4· ·working with Avant, correct?

·5· · · · A· · She started producing, yes.

·6· · · · Q· · Okay.· Did Ms. Rafaela Valiente work in the

·7· ·Kendall office?

·8· · · · A· · For the most part, yes.

·9· · · · Q· · Okay.· Do you know if Ms. Valiente was an

10· ·independent contractor at Ashley?

11· · · · A· · She was.

12· · · · Q· · Okay.· How do you know?

13· · · · A· · Because they told me that they had an agent

14· ·that wasn't producing enough and that if I had an option

15· ·for her to help her with generating leads.· And I said,

16· ·yeah, we have an empty spot.

17· · · · Q· · But did you speak to Mr. Rodriguez about

18· ·Ashley -- I'm sorry.· Did you speak to Mr. Rodriguez

19· ·about Ms. Valiente?

20· · · · A· · In what sense?

21· · · · Q· · Well, you said that you heard from Ashley --.

22· · · · A· · They approached me.

23· · · · Q· · They approached you?

24· · · · A· · Yes.

25· · · · Q· · Yeah, that's what I mean. Was it -- did you --

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·1· ·when you said they approached you right, because it

·2· ·wasn't the business --?

·3· · · · A· · Yeah, yeah.· Yes, Yuri basically.

·4· · · · Q· · Okay.· Got it.· Okay.· So, Yuri came to you

·5· ·and asked you, hey, do you have a spot for a producing

·6· ·agent?

·7· · · · A· · Correct.

·8· · · · Q· · Okay.· Now, at that time, did Yuri tell you

·9· ·that Ms. Valiente was an independent contractor with

10· ·Ashley?

11· · · · A· · Yes.

12· · · · Q· · Okay.

13· · · · A· · And there was different because she asked if

14· ·she worked out of the office.· She tried to work out of

15· ·her own house, and then she went back to the office

16· ·because she said that her internet and her computer at

17· ·home was, were not good.

18· · · · Q· · Okay.

19· · · · A· · Plus the office environment, the office

20· ·setting, hearing other agents selling was making her

21· ·feel better and picking up on her, stretching their

22· ·skills, I guess, her skills.

23· · · · Q· · Okay.· So, at first she tried to work from --

24· ·Ms. Valiente tried to work from home, but then she moved

25· ·back into the office?

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 19 of 54
·1· · · · A· · That's correct.· And there was also another

·2· ·period of time, I don't recall exactly the year where

·3· ·she left the office for a month.

·4· · · · · · ·She went to work at a warehouse on an hourly

·5· ·basis because that's what she told me, as an employee.

·6· ·And then she returned back to us.

·7· · · · Q· · Okay. And during the time when she was working

·8· ·at the warehouse, she was not working with Avant --?

·9· · · · A· · Correct, it was like a full month.

10· · · · Q· · Okay.· And she did not work for Avant during

11· ·that time?

12· · · · A· · She did not.

13· · · · Q· · Do you remember about what month or year that

14· ·was?

15· · · · A· · I don't know right now, but I could definitely

16· ·find out.

17· · · · Q· · And now that you bring that up, do you know if

18· ·Ms. Valiente worked for any other insurance agencies

19· ·during the time that she was working with Avant?

20· · · · A· · That I wouldn't know, but she had that

21· ·relationship with Ashley.· So, it is possible.

22· · · · Q· · If you found out that Ms. Valiente was still

23· ·working with Ashley, would you have kept her on at

24· ·Avant?

25· · · · A· · What was the question again?

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·1· · · · Q· · Would you have allowed Ms. Valiente to work at

·2· ·Avant Assurance and Ashley Insurance at the same time?

·3· · · · A· · If she did it, she was probably allowed to do

·4· ·so.

·5· · · · Q· · What --?

·6· · · · A· · She wasn't --

·7· · · · Q· · Well you're saying you --

·8· · · · A· · -- she wasn't prevented from doing it pretty

·9· ·much, yeah.

10· · · · Q· · Do you know if any of the Plaintiffs worked at

11· ·Avant and worked somewhere else at the same time?

12· ·Another insurance agency?

13· · · · A· · That I'm aware of, no.

14· · · · Q· · But if the agents wanted to work at Avant and

15· ·another insurance agency that would not have been

16· ·prevented?

17· · · · A· · Well, now that I recall, Rafaela was actually

18· ·contracted with CR Insurance at the same time that she

19· ·was producing with Avant.· So yeah, they were not

20· ·prevented from doing it.

21· · · · Q· · How did you find out that Ms. Valiente was

22· ·contracted with C -- you said CR?

23· · · · A· · Yeah, Charlie Rodriguez, CR yeah.

24· · · · Q· · How did you find out that Ms. Valiente was

25· ·contracted with CR Insurance?

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·1· · · · A· · She told me.

·2· · · · Q· · All right.· And Carlos Lopez, did he request

·3· ·to be an independent contractor?

·4· · · · A· · Yes.

·5· · · · Q· · Okay.· Did he have that conversation with you?

·6· · · · A· · Yes, he even wanted to create an agency in

·7· ·order for us to pay his agency.

·8· · · · Q· · Did he eventually do that?

·9· · · · A· · Yes.

10· · · · Q· · Do you remember the name of his agency?

11· · · · A· · It was his name ending in PA.

12· · · · Q· · Is that what you paid his 1099s to?

13· · · · A· · I'm --.

14· · · · Q· · Well, sorry -- is that what you paid his -- is

15· ·that where his pay stubs were paid to?

16· · · · A· · Pay stub is used for employees. So, commission

17· ·statements, is what I would call it.· It was paid to him

18· ·as an individual because initially he did not have a

19· ·licensed entity.

20· · · · · · ·And then once the licensed entity was formed

21· ·by him and everything, then he requested in writing for

22· ·us to start paying his entity and not him.· Whether that

23· ·actually happened or not, I will have to confirm, but I

24· ·guess it did.

25· · · · Q· · Okay.

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·1· · · · A· · And Rafaela I also requested to pay her agency

·2· ·the same for Mariana.

·3· · · · Q· · And what about Delio?

·4· · · · A· · Delio, he wanted to get paid as an individual.

·5· · · · Q· · Okay.

·6· · · · A· · They were free to decide, you know.

·7· · · · Q· · Got it.· So basically Carlos, Mariana and

·8· ·Rafaela established their own agencies and that's how

·9· ·they were paid by Avant?

10· · · · A· · Yes, initially as an individual and then to

11· ·the agencies.

12· · · · Q· · And this was before the independent contractor

13· ·agreements were created by Avant, correct?

14· · · · A· · Which independent contractor agreement?

15· · · · Q· · The one I showed you previously at

16· ·Exhibit A --.

17· · · · A· · The one that had two attachments?

18· · · · Q· · No, that was just the e-mail.· Hold on, let me

19· ·go back to it.· Okay.· All right.· Can you see what I'm

20· ·showing you on the screen now?

21· · · · A· · Yes.

22· · · · Q· · Okay.· Yeah, this is Exhibit A that I showed

23· ·you before, is -- I was asking about this document, so

24· ·just listen to the question for a second again.

25· · · · · · ·Did Carlos, Rafaela and Mariana establish

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 20 of 54
·1· ·their own agencies to be paid out to before this

·2· ·independent contractor agreement was created?

·3· · · · A· · Yes.

·4· · · · Q· · And just for the record, I'm referring to the

·5· ·independent contractor agreement at Exhibit A.· Okay.

·6· ·So, now we previously talked about compensation and you

·7· ·mentioned a two page document.

·8· · · · · · ·So, I think during the break I found the

·9· ·document you were referring to, so let me show you that

10· ·now. All right, I'm now going to show you what I'm

11· ·marking as Exhibit D for the deposition record.

12· · · · · · ·(Thereupon, Plaintiffs' Exhibit D was entered

13· · · · · · ·into the record.)

14· ·BY MR. CUMMINGS:

15· · · · Q· · Okay.· So, can you see the document I'm

16· ·showing you on your screen now?

17· · · · A· · Yes.

18· · · · Q· · Okay.· Is this the document you were referring

19· ·to about the compensation for agents?

20· · · · A· · There's more to a document, right?

21· · · · Q· · Yeah, I'm going to scroll down.

22· · · · A· · Okay.

23· · · · Q· · But this is a two page document?

24· · · · A· · Yes, that's probably the document.

25· · · · Q· · Okay.· Now you say probably a lot and that

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·1· ·kind of scares me.· So, I'm -- I need to know whether or

·2· ·not you are certain that this is the document or you're

·3· ·not certain.

·4· · · · A· · Well, I don't have the document with me, so

·5· ·I'm not able to inspect that as I need to in order to

·6· ·affirm that that is a document or not.

·7· · · · Q· · Okay.· So, I mean, I'll just let you know that

·8· ·this document was provided by Avant Assurance in

·9· ·discovery in this case, at the bottom of the first page

10· ·it says Avant Assurance versus Lopez and then it has a

11· ·number here, 22.

12· · · · · · ·Now, I don't expect you to know what that

13· ·means, but that means that we received it from your

14· ·business essentially, because we asked for it in what's

15· ·called the request for production.

16· · · · · · ·So, this is the bate stamp number here, 22 and

17· ·23 on both of these pages.· So, what I can confirm is

18· ·that this document came from Avant.

19· · · · · · ·Now what it's supposed to be, you would know

20· ·that better than me.· So, do you know what this document

21· ·is supposed to be?

22· · · · A· · So, it's supposed to be the compensation

23· ·agreement.

24· · · · Q· · Okay.· Now it says 2022, was there a different

25· ·compensation agreement plan in place in 2020 and 2021?

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·1· · · · A· · I'm not sure to be honest.

·2· · · · Q· · Okay.

·3· · · · A· · This one I do recall the specifics because you

·4· ·have numbers in there.· I will have to confirm my end

·5· ·and those are the numbers.

·6· · · · Q· · Okay.· Now who created this document that

·7· ·we're looking at in Exhibit D, this two page document?

·8· · · · A· · I did.

·9· · · · Q· · And you're saying that you don't remember if

10· ·you had one for 20 -- a document like this in 2021?

11· · · · A· · Yeah, I don't recall.

12· · · · Q· · All right.· However, there was still a

13· ·compensation structure in place for agents in 2021,

14· ·right?

15· · · · A· · Correct, it was on a per sale basis.

16· · · · Q· · Okay. So, it was different from this

17· ·compensation plan that we're looking at here?

18· · · · A· · It was probably different because every year

19· ·the insurance company changed the compensation and we

20· ·have to make adjustments.

21· · · · Q· · I see.· Okay.

22· · · · A· · Yeah.

23· · · · Q· · And would that be the same for 2020 also.· It

24· ·was probably a different compensation plan then?

25· · · · A· · Yes, it's not definitely -- it is definitely

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·1· ·not the same dollar amount.· It may not even include a

·2· ·bonus program.

·3· · · · Q· · All right.· So, I'll come back to this

·4· ·document in a second, but it brings up another important

·5· ·point I want to ask.

·6· · · · · · ·When -- let's just talk about commissions.

·7· ·Let's stick with commissions for right now.· The

·8· ·commissions that agents at Avant Assurance receive, who

·9· ·comes up with that commission structure?

10· · · · A· · So, who decides on the compensation plan that

11· ·was offered to the agents?

12· · · · Q· · Exactly.

13· · · · A· · I am.

14· · · · Q· · Okay.· Now is that a negotiation between you

15· ·and the agents or is it just okay, this is the

16· ·compensation structure for all agents?

17· · · · A· · Yeah, it is a negotiation because they're not

18· ·forced to participate.

19· · · · Q· · Well, what I mean more so is can, let's say

20· ·for example, can Delio have one compensation plan and

21· ·then Mariana has a different one, and then Carlos and

22· ·Mariana, like all four have four different compensation

23· ·plans or it's the same one that they're all working

24· ·under?

25· · · · A· · It was probably the same.

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 21 of 54
·1· · · · Q· · Okay.

·2· · · · A· · Yeah.

·3· · · · Q· · All right.· Now you mentioned the insurance

·4· ·companies and the compensation plan changing.· Does the

·5· ·insurance company's procedures affect how you structure

·6· ·compensation that goes to -- let me rephrase that.

·7· · · · · · ·Sorry, the question's confusing.· How do you

·8· ·determine what commission the insurance agents are going

·9· ·to receive?

10· · · · A· · The dollar amount?

11· · · · Q· · Sure.

12· · · · A· · Okay.· So, if a company is paying more, they

13· ·get paid more, simple right.

14· · · · Q· · Got it.· All right.· Now, so does that mean

15· ·that the insurance company tells Avant Assurance how

16· ·much they are going to pay for each customer that's

17· ·signed up?

18· · · · A· · Correct.

19· · · · Q· · Okay.· What is that dollar amount based on, is

20· ·that based on the premium that the customer is paying?

21· · · · A· · No, it's a set fee.

22· · · · Q· · Set fee.· Okay.

23· · · · A· · Excuse me, Toussaint and everybody, I'm going

24· ·to have to use the rest room.

25· · · · Q· · That's no problem.

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·1· · · · A· · I wish I could wait a little longer, but --.

·2· · · · Q· · No, that's no problem.

·3· · · · · · ·MR. CUETO:· Yeah, we'll take 10 minutes.· Is

·4· · · · that okay?

·5· · · · · · ·THE WITNESS:· Yeah, that's fine. That's plenty

·6· · · · of time.

·7· · · · · · ·MR. CUETO:· All right.

·8· · · · · · ·THE WITNESS:· Okay.· Thank you.· Sorry about

·9· · · · that.

10· · · · · · ·(Thereupon, a short discussion was held off

11· · · · · · ·record.)

12· · · · · · ·(Deposition resumed.)

13· ·BY MR. CUMMINGS:

14· · · · Q· · Okay.· All right. So, Mr. Cortes, I was asking

15· ·you about the commissions for insurance agents at Avant,

16· ·and you were explaining that the company sets a fee for

17· ·each sale that's closed?

18· · · · A· · Correct.

19· · · · Q· · Okay.· On average -- well let me ask you this,

20· ·fee is paid directly to Avant?

21· · · · A· · Correct.

22· · · · Q· · Okay.· And so every insurance company has

23· ·their own amount that they pay when they receive a new

24· ·customer from Avant, correct?

25· · · · A· · Yes.

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·1· · · · Q· · What is the maximum that an insurance company

·2· ·pays?

·3· · · · A· · What is the?

·4· · · · Q· · What is the maximum amount that insurance

·5· ·company pays?

·6· · · · A· · Before or now?

·7· · · · Q· · For one customer let's say in 2022 at the time

·8· ·when you issued the compensation plan that we were

·9· ·looking at?

10· · · · A· · Probably $35, 30 to $35 per member.

11· · · · Q· · Okay.· So, going back to Exhibit D, if we look

12· ·at this compensation plan, does this -- those blue boxes

13· ·or you know, that blue table explain how much the

14· ·insurance company pays for each member that they

15· ·receive?

16· · · · A· · No, that explain how much Avant agreed to pay

17· ·the agents.

18· · · · Q· · Okay.· Right, so what I'm trying to find out

19· ·is how much, for example, let's just say Ambetter, how

20· ·much does Ambetter pay Avant for receiving one customer?

21· · · · A· · It could be, like I said, from 30 to $35.

22· · · · Q· · Okay.· And so the whole amount is then passed

23· ·over to the insurance agent?

24· · · · A· · The whole amount?

25· · · · Q· · Yeah, for commission because isn't this

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·1· ·telling -- excuse me. Is this document here at Exhibit

·2· ·B, I'm sorry, Exhibit D, telling us how much you're

·3· ·going to pay an agent for closing a sale?

·4· · · · A· · Correct, so what this says is that it is a

·5· ·one-time payment, if you read letter D commission and

·6· ·bonus compensation will be issued as a one-time payment

·7· ·in the case of Ambetter, for example, it says $35.

·8· · · · · · ·So, that means that they will get $35 per each

·9· ·member that they enroll into Ambetter as a one-time

10· ·payment.

11· · · · Q· · Exactly. Now I understand. And so for example,

12· ·if I'm an insurance agent working with Avant and I

13· ·close, you know, two sales for Ambetter, then I get $70,

14· ·right?

15· · · · A· · Based on this schedule, yes.

16· · · · Q· · Right.· But how much does Avant make for those

17· ·same two sales that are closed, how much does the

18· ·insurance company pay Avant?

19· · · · A· · So, Avant will be paid on a monthly basis as

20· ·long as the policy is active.· So, it could be that it

21· ·was active for a month, Avant made a loss because we

22· ·paid out the agent and there's nothing to recoup from.

23· ·If the policy was active more than a month, then Avant

24· ·will make some money.

25· · · · Q· · Does Avant make money one time off of a

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 22 of 54
·1· ·customer that's sold, or do you make continually make

·2· ·money off that customer?

·3· · · · A· · As long as the policy is active.

·4· · · · Q· · Right.· So, okay -- so let me just say, let's

·5· ·give you an example, a hypothetical here you know, a

·6· ·customer signs up on January 1st, 2023 for Ambetter,

·7· ·right?

·8· · · · A· · Uh-hum.

·9· · · · Q· · Okay.· Using this example, I'm not saying that

10· ·these are the 2023 numbers, but using this example then,

11· ·when does Avant get paid if the customer signed up on

12· ·January 1st, 2023?

13· · · · A· · It could be anywhere from 45 to 60 days after

14· ·the effective date.

15· · · · Q· · Okay.· Now, let's say that the customer stays

16· ·with Ambetter for the whole year, 2023.· How often does

17· ·Avant get paid for that one customer from Ambetter?

18· · · · A· · Monthly.

19· · · · Q· · Monthly.· Okay.· And then how much does Avant

20· ·receive, $35 every month?

21· · · · A· · If it was 35, yes, but it could have been 30.

22· ·That would depend on the state and the carrier.

23· · · · Q· · Okay.· Understood.· But is there any case

24· ·where Avant is paying the agent more than what the

25· ·insurance company is paying for the customer being sold?

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·1· · · · A· · I will have to confirm on the actual schedule

·2· ·that the companies pay Avant.· I don't know what's the

·3· ·answer right now.

·4· · · · Q· · Okay.· All right.· But I mean, just business

·5· ·wise speaking, right like if act close a customer and, I

·6· ·know that Ambetter is going to pay -- let me put it like

·7· ·this.

·8· · · · · · ·If I'm you and I know that Ambetter's only

·9· ·going to pay me $35 per month for this one customer, are

10· ·you going to pay your agent more than $35?

11· · · · A· · No, because I wouldn't have money to pay from.

12· · · · Q· · Okay. That all I'm really trying to figure

13· ·out.

14· · · · A· · Okay.

15· · · · Q· · Okay.· I understand.· Okay, I got it, I see

16· ·what you're saying.· All right.· Now, how long does

17· ·Avant continue to make money off of one customer that

18· ·sold, as long as they have the insurance policy?

19· · · · A· · As long as they're active.

20· · · · Q· · As long as they're active with the

21· ·insurance --.

22· · · · A· · And as long as Avant's agent of record is on

23· ·the application.

24· · · · Q· · Which application are you talking about?

25· · · · A· · On the customer's application, if another

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·1· ·agent sells the same customer, then Avant's agent of

·2· ·record is no longer the agent of record, hence doesn't

·3· ·receive compensation after that.

·4· · · · Q· · Okay.· But now I'm just trying to figure out

·5· ·what document you're referring to because before when I

·6· ·asked what documents have to be filled out, I don't

·7· ·remember you mentioned that an application, you just

·8· ·said that an agent goes into the Radius BOB they click,

·9· ·you know, let's say Ambetter, and then I'm not sure what

10· ·kind of magic happens, but now you're mentioning an

11· ·application.· So, what's this application that you're

12· ·referring to?

13· · · · A· · So application is the form that the agents

14· ·fill into the CRM.· And that's an application that's a

15· ·way of saying it.· It's not an actual application.

16· · · · Q· · Okay.

17· · · · A· · That the customer doesn't need to sign.

18· · · · Q· · The customer does not sign it?

19· · · · A· · Exactly.

20· · · · Q· · Okay.· All right.· But the agent's name goes

21· ·on that document?

22· · · · A· · On which document?

23· · · · Q· · What you refer to as an application?

24· · · · A· · No, so the agent's name only goes into a CRM

25· ·because the policies are owned by Avant.· And so it goes

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·1· ·the Avant principles agent, in charge name on the

·2· ·insurance policy, so that's a better word, insurance

·3· ·policy and then there's the application.

·4· · · · Q· · Okay.· So, the insurance policy itself and

·5· ·that policy is a contract between which two parties?

·6· · · · A· · The insurance agency and the insurance

·7· ·company.

·8· · · · Q· · Understood.· Okay. All right.· And that policy

·9· ·essentially says that the customer wants insurance from

10· ·the company, but the agency, which is Avant, is

11· ·providing the customer?

12· · · · A· · What was the question again?

13· · · · Q· · The policy that you're talking about

14· ·essentially says that the customer wants insurance,

15· ·let's say from, Ambetter and Avant is providing the

16· ·customer, is that what that policy essentially says?

17· · · · A· · No.

18· · · · Q· · Okay.· What is the policy saying?

19· · · · A· · Policy is an insurance term it's not like we

20· ·have a policy in place.· I don't know if you understand

21· ·the difference.

22· · · · Q· · Right.· I mean, I understand what an insurance

23· ·policy is, but --

24· · · · A· · Um-hum.

25· · · · Q· · As the person who's getting the insurance, my

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 23 of 54
·1· ·name and my signature should be on it, I would assume,

·2· ·right?· The -- right, because in this situation, Avant

·3· ·Assurance is not getting, I'm sorry, Avant Assurance is

·4· ·not the one that's getting the insurance, right?

·5· · · · A· · It's the member, the beneficiary.

·6· · · · Q· · Okay.

·7· · · · A· · I'm not sure what you're trying to ask to be

·8· ·honest.

·9· · · · Q· · No, you answered my question actually.· That

10· ·makes sense.· All right.· So, where are those pol --

11· ·does Avant keep a record of all of those policies?

12· · · · A· · Which policies?

13· · · · Q· · The policies that are -- have the agents'

14· ·signature on them once they sign a customer.

15· · · · A· · So the agent doesn't sign the policy.

16· · · · Q· · Who signs the policy?

17· · · · A· · Nobody signs the policy.· The policy is issued

18· ·by the insurance company. It doesn't require a

19· ·signature.

20· · · · Q· · When is the policy issued by the insurance

21· ·company?

22· · · · A· · I don't know.· I mean, the insurance company

23· ·had their own, I guess, systems in place on when they

24· ·issue a policy.

25· · · · Q· · And then they send the insurance -- the policy

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·1· ·back to Avant?

·2· · · · A· · No, they send it to the end customer.

·3· ·Basically, they send a letter with a policy number and

·4· ·sometimes they give an ID card.

·5· · · · Q· · Okay.· How does Avant know that a customer has

·6· ·been signed up by an insurance company?

·7· · · · A· · When we get a statement that we're getting

·8· ·paid on.

·9· · · · Q· · So, if an agent signs up a customer or a

10· ·potential customer, then that sale is not considered

11· ·complete until a statement comes back from the insurance

12· ·company?

13· · · · A· · That is correct, if you recall from before,

14· ·another agent could have sold the same member exactly

15· ·the same policy.

16· · · · · · ·So, the last agent on record is the one that

17· ·is going to remain for the insurance company.

18· · · · Q· · How long does it generally take between a

19· ·agent signing a potential customer and Avant receiving a

20· ·statement back from the insurance company?

21· · · · A· · Like I said before, 45 to 60 days.· It could

22· ·be more, it could be less.· So, it varies each company

23· ·have their own I guess compensation cycle.

24· · · · Q· · Okay.· And so that's why when we look at part

25· ·A here, it says in Exhibit D, "The policy must be active

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·1· ·and paid by the insurance carrier"?

·2· · · · A· · Correct.· Yeah, if we don't get paid basically

·3· ·we don't have any money to pay out to any agents.

·4· · · · Q· · Okay.

·5· · · · A· · Yeah.

·6· · · · Q· · Now, when we look at part B where it says each

·7· ·commission payment will be paid as it is being received

·8· ·by insurance companies, whereas multiple payments will

·9· ·occur on each month.· What does that mean?

10· · · · A· · You have company A, company B, company C one,

11· ·pay you on the first couple days after we pay the agent.

12· ·Company B pays you on the 10 of the month, couple days

13· ·after we pay the agent.

14· · · · · · ·So, that means that the agent's going to

15· ·receive multiple payments throughout the same month,

16· ·depending on when Avant got paid.

17· · · · Q· · Okay.· And then going on to the second

18· ·sentence, it says, insurance companies and FMO reserve

19· ·the right to amend commissions, what is FMO?

20· · · · A· · It's a field marketing organization.· Another

21· ·name for I guess insurance agency.

22· · · · Q· · Okay.· And so in this case, in this particular

23· ·sentence, does the FMO refer to Avant?

24· · · · A· · Yes.

25· · · · Q· · All Right.· And you said reserve the right to

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·1· ·amend commissions and bonuses during the 2022 special

·2· ·enrollment period for policies with an effective date of

·3· ·March 1st, 2022 through December 31st, 2022.

·4· · · · · · ·I'm not going to ask about that right now

·5· ·because I want to talk about open enrollment later.· But

·6· ·let me just ask you this really quickly.

·7· · · · · · ·In letter B where it says 2022 special

·8· ·enrollment period, is that the same as open enrollment

·9· ·or is that something different?

10· · · · A· · That's different, yeah.

11· · · · Q· · Okay.· What does special enrollment refer to?

12· · · · A· · That's the period after the open enrollment is

13· ·over.

14· · · · Q· · Where a customer has to fit into certain

15· ·categories in order to still get insurance?

16· · · · A· · It could be that, yeah.

17· · · · Q· · All right.· Now moving down to the bottom of

18· ·Exhibit D, where it says there's these asterisks, those

19· ·little stars "Bright's policy with a super plan will be

20· ·marked as issue, will not be processed and will not

21· ·receive compensation".· What does that mean?

22· · · · A· · I'm trying to see the first star.

23· · · · Q· · Yeah, I'll make it a little bigger for you.

24· · · · A· · Yeah.· So Bright is an insurance company that

25· ·you see in there number 4.

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 24 of 54
·1· · · · Q· · Uh-hum.

·2· · · · A· · And they had a particular plan where there

·3· ·wasn't going to be a compensation.

·4· · · · Q· · Why is that though?

·5· · · · A· · Why what?

·6· · · · Q· · Yeah, why would there be no compensation for a

·7· ·particular plan that's sold?

·8· · · · A· · Because that plan was primarily for consumers

·9· ·to go to certain medical centers that were controlled by

10· ·another insurance agency.

11· · · · Q· · Okay.

12· · · · A· · So, basically members in there were going to

13· ·be switched to the other insurance agency.

14· · · · Q· · Okay.· And then basically the same thing for

15· ·that Florida Blue?

16· · · · A· · Florida Blue, because we don't have a contract

17· ·with Florida Blue.

18· · · · Q· · When you go above to where it says BCBSIL what

19· ·does that -- is that Illinois?

20· · · · A· · Illinois.

21· · · · Q· · Okay.· And then same thing, BCBS Texas?

22· · · · A· · Texas.

23· · · · Q· · All right.· So, Avant Assurance does not have

24· ·any affiliation with Florida Blue, but it does have

25· ·affiliation with certain Blue Cross Blue Shields in

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·1· ·other states?

·2· · · · A· · Correct.

·3· · · · Q· · All right.

·4· · · · A· · Florida Blue they're -- they work on an

·5· ·independent contractor basis with the producers, and

·6· ·they require, as part of the agreement for the producers

·7· ·to be exclusive, pretty much, they're not allowed to

·8· ·sell other products other than Florida Blue.

·9· · · · Q· · Okay.· All right so let me just stop this for

10· ·a second.· If I'm an agent working at Avant Assurance,

11· ·how do I keep a record of all of the policies that I've

12· ·sold, is that only through Radius?

13· · · · A· · If you're an agent, it depends.· If you're an

14· ·agent that is using Radius, yes, you could use Radius

15· ·for that purpose.· If you're using another platform, you

16· ·could be tracking another way.

17· · · · Q· · Okay.· Well, I think you previously said that

18· ·some of the agents use, what like spreadsheets -- Excel

19· ·spreadsheets?

20· · · · A· · A spreadsheet, yeah.

21· · · · Q· · All right. Did you ever have any disputes with

22· ·any of the Plaintiffs' in this case about the amount of

23· ·money they were supposed to be receiving from sales that

24· ·they closed?

25· · · · A· · Not that I recall.

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·1· · · · Q· · If an agent had a dispute about the amount of

·2· ·money they received, who would they make that complaint

·3· ·to at Avant?

·4· · · · A· · To me.

·5· · · · Q· · And do you keep a record of all of the

·6· ·payments, the commission payments that you make to all

·7· ·of the agents?

·8· · · · A· · Yes.

·9· · · · Q· · How do you keep that record?

10· · · · A· · In an excel form.

11· · · · Q· · And as far as you know, have you already

12· ·turned over all of the payments that were made to the

13· ·Plaintiffs' in this case?

14· · · · A· · Yeah, I believe so.· The ones that we have.

15· · · · Q· · Now, you said that you keep it in a -- in an

16· ·excel form, is that right?

17· · · · A· · Correct.

18· · · · Q· · Okay.· So, explain that process to me.· When

19· ·you receive payment from an insurance company, do you

20· ·look to see which agent sold that particular policy?

21· · · · A· · That is correct.

22· · · · Q· · Okay.· Now, once you find out which agent

23· ·sold -- well, how do you know which agent sold the

24· ·policy?

25· · · · A· · The CRM.

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·1· · · · Q· · So, you go on the Radius and the Radius tells

·2· ·you which agent sold that policy?

·3· · · · A· · Exactly.

·4· · · · Q· · Okay.· So, let's just use Ambetter as an

·5· ·example.· Ambetter sends Avant Assurance a policy

·6· ·through what, e-mail or through regular mail?

·7· · · · A· · A policy?

·8· · · · Q· · Yeah.

·9· · · · A· · They don't send the policy to us.

10· · · · Q· · What do they sent just payment?

11· · · · A· · A commission statement.

12· · · · Q· · Commission statement.· Okay.

13· · · · A· · Similar to the one that you saw that we had

14· ·sent to the -- to your clients.

15· · · · Q· · How do you receive that commission statement,

16· ·is that through e-mail?

17· · · · A· · No, they post it in their portal, it's in an

18· ·Excel form.

19· · · · Q· · Okay.· All right.· So, now does the -- so, the

20· ·statement doesn't say the commission statement from the

21· ·insurance company does not say which one of Avant's

22· ·agents sold the policy, right?

23· · · · A· · It's going to have an agent's name attached to

24· ·the policy but it's not necessarily the agent who sold

25· ·the policy.

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 25 of 54
·1· · · · Q· · What is an NPN?

·2· · · · A· · National Producing Number.

·3· · · · Q· · All right.· What does it identified though?

·4· · · · A· · An agent.

·5· · · · Q· · Does the commission statement have a NPN on

·6· ·it?

·7· · · · A· · In some cases.

·8· · · · Q· · How would the insurance company know the NPN

·9· ·for an agent?

10· · · · A· · That's public record.· Just like your license

11· ·might be public record.

12· · · · Q· · Okay.· Are -- does each agent that works for

13· ·Avant have their own NPN?

14· · · · A· · Yes.

15· · · · Q· · Do you have an NPN?

16· · · · A· · Yes.

17· · · · Q· · All right.· Now, you previously mentioned that

18· ·the agent that sold the policy may not be the agent

19· ·who's on the commission statement, is that what you

20· ·said?

21· · · · A· · That is correct.

22· · · · Q· · How would that happen?

23· · · · A· · Because I will be the one in the -- as the

24· ·agent of record for the company.

25· · · · Q· · So, sometimes your name is on the commission

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·1· ·statement for a policy?

·2· · · · A· · For the most part, it should be my name.

·3· · · · Q· · All right.· Now, once you get a commission

·4· ·statement, what do you do with it, from an insurance

·5· ·company?

·6· · · · A· · I pay all the agents.

·7· · · · Q· · So, just walk me through that step by step.

·8· ·You get a commission statement the commission statement

·9· ·has a customer's name on it?

10· · · · A· · Yes.

11· · · · Q· · Okay.· That customer's name then you reference

12· ·that back through Radius?

13· · · · A· · Correct.

14· · · · Q· · And then how do you pay the agents, is that

15· ·just a check or is that through direct deposit?

16· · · · A· · Mostly it would have been direct deposit.· It

17· ·could be that one of them received a check once or

18· ·twice, yeah or even a Zelle payment.

19· · · · Q· · And how long of a delay is there between when

20· ·you get a commission statement back and when you issued

21· ·a check out to the agent?

22· · · · A· · It's a couple days for the most part.

23· · · · Q· · All right.· Now, aside from commission, do

24· ·agents earn any other type of compensation that you know

25· ·like you would consider a salary or like an hourly

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·1· ·compensation?

·2· · · · A· · Which agents?

·3· · · · Q· · The producing agents?

·4· · · · A· · The one that are suing us or the employees

·5· ·that we have today.

·6· · · · Q· · The ones that are suing you?

·7· · · · A· · No, there was no other component other than

·8· ·commission and bonuses.

·9· · · · Q· · Okay.· So, let's talk about bonuses.· Going

10· ·back to Exhibit D.· We see that page 2 of Exhibit D

11· ·talks about a bonus plan and it says OEP, what does that

12· ·stand for?

13· · · · A· · Open enrollment period.

14· · · · Q· · Were bonuses only given to the Plaintiffs'

15· ·during the open enrollment period?

16· · · · A· · That's when bonuses were only available in

17· ·general.

18· · · · Q· · And when you say in general, you mean to all

19· ·producing agents?

20· · · · A· · Correct, in the industry.

21· · · · Q· · Yeah.· Could Avant decide to give bonuses

22· ·aside from open enrollment period bonuses?

23· · · · A· · If Avant had a way to generate the extra money

24· ·probably, Avant had the option to do it but we never did

25· ·it because.

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·1· · · · Q· · So, since 2020 -- were bonuses paid out to

·2· ·produce an agents in 2020?

·3· · · · A· · What's the question?

·4· · · · Q· · Were bonuses paid to produce an agents in

·5· ·2020?

·6· · · · A· · That I don't remember.

·7· · · · Q· · Were bonuses paid to produce an agents in

·8· ·2021?

·9· · · · A· · That I do not recall.

10· · · · Q· · Well, let's think about 2020.· In 2020, was

11· ·Avant formed before or after open enrollment period?

12· · · · A· · September.

13· · · · Q· · September, 2020?

14· · · · A· · Yes, which was a handful of months.

15· · · · Q· · When is open enrollment period?

16· · · · A· · November.

17· · · · Q· · To what?

18· · · · A· · Back then, I don't know if he went all the way

19· ·through January or just through December, because they

20· ·changed the dates.

21· · · · Q· · Okay.· So, it seems like in 2020, Avant opened

22· ·just in time for open enrollment, correct?

23· · · · A· · It was about it, yeah.

24· · · · Q· · Okay.· Did Avant sell policies during open

25· ·enrollment in 2020?

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 26 of 54
·1· · · · A· · In 2020, yes.

·2· · · · Q· · Okay.· Who decides the bonus that the agents

·3· ·will receive?

·4· · · · A· · Where, which bonus?

·5· · · · Q· · The open enrollment period bonuses?

·6· · · · A· · I'm not sure about your question.

·7· · · · Q· · Yeah, so --.

·8· · · · A· · Agents in general, right?

·9· · · · Q· · Say it again?

10· · · · A· · Agents is general, you'd be referring to

11· ·general agents in the market, in the industry or

12· ·producing agent for Avant.

13· · · · Q· · Yeah, just for Avant.

14· · · · A· · Okay.

15· · · · Q· · Just for Avant, who decides the bonuses that

16· ·producing agencies for Avant are going to receive?

17· · · · A· · I will.

18· · · · Q· · All right.· And what is that based on the

19· ·bonus that they receive?

20· · · · A· · Based on what the companies were offering at

21· ·the time and based on, I guess, production requirements

22· ·that they had and they needed to be in good standing

23· ·producing with the agency.

24· · · · Q· · What does good standing mean?

25· · · · A· · Actively producing because there's a retention

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·1· ·that we get measured from the insurance company before

·2· ·they pay the bonuses.

·3· · · · · · ·So, if we're no longer producing for an

·4· ·insurance company then we don't get the bonus because

·5· ·it's not to their benefit to pay a bonus if the agent is

·6· ·no longer active to maintain the member when a member

·7· ·has a question.

·8· · · · Q· · Okay.

·9· · · · A· · So, it comes from the insurance agency and we

10· ·pretty much mirror what they do.

11· · · · Q· · Okay.· So, does that mean that after a

12· ·customer is signed up with a policy that the agent that

13· ·closed it still has a responsibility to follow up with

14· ·that customer or be responsible for taking their calls?

15· · · · A· · So, if a member had a question, it would be

16· ·referred back to the agent who sold the policy.

17· · · · Q· · I see.

18· · · · A· · If the agent was still producing.

19· · · · Q· · Got it.· And if the agent -- well, if the

20· ·agent is still producing or if the agent is still

21· ·working for Avant?

22· · · · A· · The same, producing for Avant.

23· · · · Q· · I see.· Okay.

24· · · · A· · Yeah.

25· · · · Q· · And if the agent is not still producing for

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·1· ·Avant then who handles that members call?

·2· · · · A· · Well, it will be my responsibility.

·3· · · · Q· · Okay.· So, let's look at this bonus plan here,

·4· ·it says Oscar, Florida and Texas only, new and renewal

·5· ·members, and then members tiers 300-349.· What does that

·6· ·mean?

·7· · · · A· · So, if they sold between 300-349 members, they

·8· ·will get 5,000.

·9· · · · Q· · And that's just during the open enrollment

10· ·period if they sell that many members?

11· · · · A· · Correct.

12· · · · Q· · And so in 2022, bonuses could only be received

13· ·for Oscar, Ambetter and Friday?

14· · · · A· · Oscar, Ambetter that we made available to the

15· ·agents, yes.

16· · · · Q· · So, bonuses were not available or bonuses were

17· ·not received if other plans were sold that were not

18· ·Oscar Ambetter or Friday?

19· · · · A· · Yeah, no not all the companies offer bonuses.

20· · · · Q· · But then Number 4 on this page says, overall

21· ·production comp -- bonus from all insurance companies.

22· ·And then it says from October, 2000 -- or 25th, 2021, to

23· ·January 28th, 2022.

24· · · · · · ·So, when it says, "All insurance companies,"

25· ·does that mean Oscar, Ambetter or Friday or all of the

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·1· ·insurance companies that the agents sell for?

·2· · · · A· · That meant all the insurance companies.

·3· · · · Q· · So, I thought you said that all the insurance

·4· ·companies don't pay bonuses though?

·5· · · · A· · That is correct.

·6· · · · Q· · Okay.· So, it seems to me like you've been

·7· ·saying the only money that you kick out is money that

·8· ·you receive in.· So, if all of the insurance companies

·9· ·aren't paying bonuses then where is Avant making up the

10· ·money to pay out these bonuses from all the insurance

11· ·companies?

12· · · · A· · Out of our commissions when we did not get a

13· ·bonus payment.

14· · · · Q· · Just during the open enrollment period, you

15· ·mean?

16· · · · A· · Correct.· It was an incentive for the agents

17· ·to produce for all companies and not just to focus on a

18· ·single bonus.

19· · · · Q· · During the open enrollment period, are agents

20· ·still receiving the commissions that we saw on the

21· ·previous page?

22· · · · A· · Can you repeat the question?

23· · · · Q· · Yeah.· During open enrollment, are agents

24· ·still receiving the commissions that they received on

25· ·Page 1?

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 27 of 54
·1· · · · A· · I don't understand your question.

·2· · · · Q· · Okay. So, let's say, you know, I'm -- an agent

·3· ·during the open enrollment period, is selling Ambetter,

·4· ·but they only sell 200 customers or 200 policies for

·5· ·Ambetter. They receive commission for those 200,

·6· ·correct?

·7· · · · A· · Yes.· That's independent from the bonus.

·8· · · · Q· · Exactly.· Okay.· All right.· Understood. Now,

·9· ·going down to Number 5, it says, "Agency's overall

10· ·production bonus."· All right.· So, if the agency meets

11· ·the goal of 13,000 policies at the end of the open

12· ·enrollment period, does that mean each agent will get

13· ·$10,000?

14· · · · A· · Correct.

15· · · · Q· · Did that happen in 2022?

16· · · · A· · Unfortunately, no.

17· · · · Q· · How many policies were sold during open

18· ·enrollment in 2000 -- well, during that the 2021 to 2022

19· ·open enrollment period?

20· · · · A· · It was way less than that.· I don't think it

21· ·even went over 10,000.

22· · · · Q· · All right.· Did anybody receive -- did any of

23· ·the Plaintiffs receive an overall production bonus

24· ·that's listed in Number 4?

25· · · · A· · I don't recall, Toussaint.

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·1· · · · Q· · Did any of the Plaintiffs say to you that they

·2· ·were entitled to the overall production bonus that's

·3· ·listed in Number 4?

·4· · · · A· · I don't recall.

·5· · · · Q· · Did any of the Plaintiffs receive any bonus

·6· ·from the open enrollment period in 2022?

·7· · · · A· · All of them did receive some bonuses and

·8· ·Mariana received all of her bonuses with the exception

·9· ·of 4 and 5 definitely -- nobody did because we didn't

10· ·meet as an agency and 4, that's the one that I would

11· ·have to check if she qualified for that or not.· I don't

12· ·know.

13· · · · Q· · Okay.· But you're saying that Mariana would've

14· ·received bonuses from tiers -- from Numbers 1, 2, and 3?

15· · · · A· · Correct.

16· · · · Q· · Now, you made it a point to say that the other

17· ·Plaintiffs meaning Delio, Carlos and Mariana sounds like

18· ·did not receive all of their bonuses.· Why was that?

19· · · · A· · Because they were not actively producing for

20· ·the agency at that time that we received and paid out

21· ·the bonuses.· That was one of the requirements that the

22· ·company had on us and then we passed it on to the

23· ·agents.

24· · · · Q· · Okay.· So, the company actually has -- let's

25· ·say, you know, it's Oscar, Oscar has a requirement that

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·1· ·the bonus is only paid out to an agent if they are still

·2· ·actively producing at the time that the bonus is paid

·3· ·out?

·4· · · · A· · Yes.· I don't know if you have received it

·5· ·already, but if not, I'm sure we could send it your way,

·6· ·but it's a sample agreement where the agents -- the

·7· ·insurance company requires the agent to be producing in

·8· ·good standing for the agen -- the company.

·9· · · · Q· · Right.· I don't think we did receive that. So,

10· ·what's the name of that document?

11· · · · A· · I'm not sure what's the name of it, but I'm

12· ·sure we could send it your way.

13· · · · · · ·MR. CUETO:· Yeah.· To the extent we didn't

14· · · · produce it, I'll guess we'll have to see which one

15· · · · it is specifically because I'm not sure which one

16· · · · you're talking about.

17· ·BY MR. CUMMINGS:

18· · · · Q· · Okay.· Got it.· Now that -- is it a contract

19· ·or is it just a document that's sent over to the Avant

20· ·Assurance, the one that you were just referring to?

21· · · · A· · It's an agreement.

22· · · · Q· · It's an agreement.· It's an agreement between

23· ·Avant and the insurance company or the individual agent

24· ·and the insurance company?

25· · · · A· · So, the insurance company and Avant.

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·1· · · · Q· · Okay.· And then that agreement you show to the

·2· ·agents or you just tell them about it?

·3· · · · A· · Which agreement?

·4· · · · Q· · The agreement you're talking about that talks

·5· ·about how the bonuses are given?

·6· · · · A· · No.· This is the agreement that the agents

·7· ·received, the one that we have on the screen.

·8· · · · Q· · All right.· They received this in particular,

·9· ·but this is not the agreement that came from the

10· ·insurance company.· This is just something that you

11· ·created to tell them about it, right?

12· · · · A· · Correct.

13· · · · Q· · Got it.· Okay. And what you're referring to in

14· ·particular at the bottom is the star where it says,

15· ·"Bonuses will be paid in April 2022 or once we receive

16· ·compensation from the insurance companies, agent will

17· ·need to be actively producing for the agency at the time

18· ·of payment," right?

19· · · · A· · Yes.

20· · · · Q· · So, that's what the contract says and then you

21· ·just paraphrase it here?

22· · · · A· · Correct.

23· · · · Q· · Got it.· Now, what does actively producing

24· ·mean?

25· · · · A· · Meaning that they're seeking to get customers

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 28 of 54
·1· ·for the agency.

·2· · · · Q· · Is actively producing a term that comes from

·3· ·the insurance company or is that a term that comes from

·4· ·Avant?

·5· · · · A· · That's a standard term, because you could have

·6· ·a contract and you are not producing.

·7· · · · Q· · Right.· Okay.· Is actively producing a term

·8· ·that's defined in the contract that you received from

·9· ·the insurance companies?

10· · · · A· · That I'm not sure.

11· · · · Q· · What happens to the bonus money that comes in

12· ·from a company -- well, no, let me ask a separate

13· ·question.· How does the insurance company know if an

14· ·agent is actively producing?

15· · · · A· · Because they're actively receiving business.

16· · · · Q· · But what time period --

17· · · · A· · From the agent.

18· · · · Q· · Right.· What time period would that be?· So,

19· ·for example, let's say you know, an agent worked a whole

20· ·open enrollment period.· They sold a whole bunch of

21· ·policies during open enrollment period.· Open enrollment

22· ·period ends in January 28th, 2022 and the agent is still

23· ·selling policies for the insurance company in February

24· ·and March.· Does that qualify as actively producing?

25· · · · A· · Yeah.· He is actively selling.

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·1· · · · Q· · What if in February and March, the agent only

·2· ·sold one policy for the insurance company.· Is that

·3· ·qualify as actively producing?

·4· · · · A· · He is selling, yes.

·5· · · · Q· · Okay.· But if an agent sells no insurance

·6· ·policies in February and March, they're not actively

·7· ·producing?

·8· · · · A· · Correct.· It could be that he's prone to be

·9· ·terminated soon for lack of production.

10· · · · Q· · And then in that case the insurance company

11· ·decides they're not going to pay a bonus to that

12· ·particular agent?

13· · · · A· · In some cases that could be their decision. I

14· ·wouldn't know what's their decision.

15· · · · Q· · Okay.· Who has the final decision on whether

16· ·or not a agent receives a bonus?

17· · · · A· · The insurance company.

18· · · · Q· · Okay.· Is there any kind of appeals process

19· ·for agents to receive their bonus?

20· · · · A· · They will have to prove that the policy was

21· ·active during the period that the insurance company was

22· ·paying and that they were in good standing with the

23· ·insurance company.

24· · · · Q· · Okay.· So, when we say actively producing,

25· ·does actively producing only refer to the policies that

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·1· ·the bonus is going towards or it's for the policies that

·2· ·come after the open enrollment period?

·3· · · · A· · So, those policies were already produced. So,

·4· ·it means actively in present time, continue producing

·5· ·and bringing new business for the insurance company.

·6· · · · · · ·It's a retention mechanism, the insurance

·7· ·company have in place in order to, I guess encourage

·8· ·agents to continue producing for them to provide

·9· ·services, you know.

10· · · · Q· · Right.

11· · · · A· · It's an incentive.

12· · · · Q· · Okay.· All right.· And when the bonuses are

13· ·paid, does the insurance company just send a check to

14· ·Avant Assurance for each individual agent?

15· · · · A· · Correct.· Not a check, is the same form that

16· ·we get the statements, electronic deposit.

17· · · · Q· · Electronic.· But that goes into -- does it go

18· ·into a trust account for Avant?

19· · · · A· · It goes, what?

20· · · · Q· · Does it go into a trust account for Avant?

21· · · · A· · It goes into a bank account, correct.

22· · · · Q· · Got it.· And then Avant pays out the bonus

23· ·from that bank account to the agents?

24· · · · A· · That is correct.

25· · · · Q· · And is there a document from the insurance

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·1· ·company that shows how much money each agent is supposed

·2· ·to receive as a bonus?

·3· · · · A· · Not always.· Sometimes they just give you the

·4· ·list of the customers.

·5· · · · Q· · And then it's Avant's job to figure out, to

·6· ·multiply each customer by the number that the bonus is

·7· ·supposed to be for each agent?

·8· · · · A· · Or we request them to have the -- to include

·9· ·the agent on record for each of the policy and then they

10· ·sent that to us.

11· · · · Q· · But wouldn't you be the agent on record?

12· · · · A· · Yes.

13· · · · Q· · So, then how do you know which agent actually

14· ·sold the policy?

15· · · · A· · So, I will have to go back to the CRM, the

16· ·same process that we do with commissions and match it

17· ·against commission.· And that will be very simple

18· ·because by the time that we get paid, we had already

19· ·paid out commission for six months before.

20· · · · · · ·So, it's all a matter of us comparing those

21· ·commission statements against the bonus statement.· And

22· ·if it's there attached to an agent's name then it

23· ·belongs to the agent.

24· · · · Q· · Okay.· All right.· You mentioned earlier that

25· ·the office is open from 09:00 a.m. to 09:00 p.m.· Was

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 29 of 54
·1· ·that the schedule in Kendall?

·2· · · · A· · It could be that we closed certain days

·3· ·earlier or that we open up later on certain days, but

·4· ·normally it would be 09:00 to 09:00.

·5· · · · Q· · Can any agent show up to the office before

·6· ·9 o'clock, will the doors be open?

·7· · · · A· · They could, whether they were able to get in

·8· ·or not, that I don't know.

·9· · · · Q· · Who is generally the first person in the

10· ·office?

11· · · · A· · That would vary.

12· · · · Q· · What are the office hours for the Doral

13· ·office?

14· · · · A· · Right now?

15· · · · Q· · Yeah.

16· · · · A· · Same 09:00 to 09:00.

17· · · · Q· · Were the hours the same during in open

18· ·enrollment period in 2022?

19· · · · A· · For the office?

20· · · · Q· · Yeah.

21· · · · A· · Yeah, throughout the year.

22· · · · Q· · And do agents have to be into the office at a

23· ·particular time to start work?

24· · · · A· · No.· They were coming anytime they wanted.

25· ·There were cases that we're missing calls because we

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·1· ·didn't have agents in the office.· There's nothing that

·2· ·we could have done.

·3· · · · Q· · When agents missed calls because they weren't

·4· ·in the office, were they disciplined in any way?

·5· · · · A· · No.· They were just not going to make any

·6· ·money just like Avant.

·7· · · · Q· · Is there a discipline system in place at

·8· ·Avant?

·9· · · · A· · For employees or for independent contractors?

10· · · · Q· · Let's talk about employees first.

11· · · · A· · For employees, yes, we do.

12· · · · Q· · Okay.· Is there a written discipline system

13· ·for employees?

14· · · · A· · Yes.

15· · · · Q· · Who created that written discipline system?

16· · · · A· · The managers.

17· · · · Q· · Are you talking -- are you referring to

18· ·Katrina and Alix?

19· · · · A· · It could be, and I could have also been

20· ·involved.

21· · · · Q· · All right.· Now, let's talk about the

22· ·independent contractors.· Is there a discipline system

23· ·for independent contractors?

24· · · · A· · Not really, the only system that will be out

25· ·there, which is very general compliance, that comes down

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·1· ·from the State Department of Insurance, the insurance

·2· ·companies and CMS, you know, regulatory agencies pretty

·3· ·much.

·4· · · · Q· · All right.

·5· · · · A· · All we have to do is to kind of like monitor

·6· ·what they send to us, the regulatory agencies and if an

·7· ·agent is not compliant with them then we have a duty to

·8· ·do something about it.

·9· · · · Q· · Okay.

10· · · · A· · It could be to report them, you know.

11· · · · Q· · Okay.· Are the producing agents required to

12· ·log into the Radius system and record what time they

13· ·start working?

14· · · · A· · No.· We don't have that, I guess, feature, I

15· ·don't know how you call it.

16· · · · Q· · Okay.· So, Radius does not keep a track of

17· ·what time people are logging into it?

18· · · · A· · No.· Sometime they would just lift the -- what

19· ·is it called the logged in automatically, you know.· So,

20· ·it wasn't like a log in or logout for Radius.

21· · · · Q· · Was there anything on Avant's computers that

22· ·logged what time employees were coming in and out of the

23· ·office?

24· · · · A· · Not at all.

25· · · · Q· · Do you have any record of the times that the

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·1· ·Plaintiffs in this case were working for Avant between

·2· ·2020 and 2022?

·3· · · · A· · No.

·4· · · · Q· · All right.· Let me just show you what I'm

·5· ·going to mark as Exhibit E for right now.

·6· · · · · · ·(Thereupon, Plaintiffs' Exhibit E was entered

·7· · · · · · ·into the record.)

·8· ·BY MR. CUMMINGS:

·9· · · · Q· · Okay.· So, I'm showing you what I'm marking as

10· ·Exhibit E.· At the top it says, "Obamacare Insurance

11· ·Center."· Do you recognize this document?

12· · · · A· · No.

13· · · · Q· · Okay.

14· · · · A· · I don't know who prepared this document.

15· · · · Q· · Got it.· All right.· Now, we can see that this

16· ·is mainly in Spanish, so, you know, I understand enough

17· ·Spanish to understand the days of the week, which goes

18· ·from Monday through Friday.

19· · · · · · ·And then at the bottom we see there looks to

20· ·be like a key which has like a white box, a yellow box,

21· ·and a green box.

22· · · · · · ·And it says, "open closed" and then the

23· ·"overtime."· It's in Spanish but you know those --

24· ·that's what those keys mean.· You're saying you don't

25· ·know who prepared this document.· Is that correct?

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 30 of 54
·1· · · · A· · Yeah, that's correct.

·2· · · · Q· · Okay.· And Horario De Agentes

·3· ·(foreign language) I'm assuming that's how you pronounce

·4· ·it, would being an English schedule for agents?

·5· · · · A· · That could be a translation, yes.

·6· · · · Q· · Okay.· How would you translate it from Spanish

·7· ·to English?

·8· · · · A· · Yeah.· That could be an option.

·9· · · · Q· · Okay.· I'm just saying that if there was

10· ·another way that you would translate it, you know, you

11· ·could let me know?

12· · · · A· · No.

13· · · · Q· · All right.· So, was -- do you recognize the

14· ·names of the people who are on the left side of this

15· ·schedule?

16· · · · A· · Yes.

17· · · · Q· · Okay.· And were these people producing agents

18· ·for Avant Assurance back in May of 2022?

19· · · · A· · Yes.

20· · · · Q· · And as far as you know, nobody at Avant

21· ·Assurance gave the producing agents this schedule?

22· · · · A· · That is correct.

23· · · · Q· · Do you have any idea how a schedule like this

24· ·came to be created?

25· · · · A· · No.· You will need to ask the agents in here.

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·1· · · · Q· · Okay.· Do you know --.

·2· · · · A· · Or whoever gave you the document.

·3· · · · Q· · Right. Do you know what the Obamacare

·4· ·Insurance Center is?

·5· · · · A· · Yeah, that's a d/b/a.

·6· · · · Q· · What does that mean?

·7· · · · A· · Doing business as.

·8· · · · Q· · For which business?

·9· · · · A· · For?

10· · · · Q· · Which business is it a d/b/a for?

11· · · · A· · For Avant.

12· · · · Q· · Is that a d/b/a that's registered with the

13· ·Florida Division of Corporations?

14· · · · A· · Yes.

15· · · · Q· · Does the Doral office have a sign outside of

16· ·it that says, Obamacare Insurance Center?

17· · · · A· · Outside, no.· It says Avant Assurance.

18· · · · Q· · Got it. Does this logo or does signage

19· ·Obamacare Insurance Center appear anywhere in the Doral

20· ·office?

21· · · · A· · It could be.

22· · · · Q· · Where could it be?

23· · · · A· · Maybe in a banner.

24· · · · Q· · Did you have banners printed up for Avant

25· ·Assurance?

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·1· · · · A· · If I have what?

·2· · · · Q· · Did you have banners printed up for Avant

·3· ·Assurance?

·4· · · · A· · At this time, I don't think we have any

·5· ·banners.

·6· · · · Q· · Okay.· But did you --

·7· · · · A· · Before, yeah, it's probably that we have

·8· ·banners for Avant as well.

·9· · · · Q· · Okay.· And did those banners say Obamacare

10· ·Insurance Center?

11· · · · A· · They wouldn't say Obamacare, it would Avant.

12· · · · Q· · I didn't understand that answer would -- what

13· ·did you say?

14· · · · A· · So, they will either say Avant Assurance or

15· ·Obamacare Insurance Center, they wouldn't say both.

16· · · · Q· · No, I understand that.· That's fine.· But did

17· ·you actually go somewhere and have a printer print up

18· ·banners that said Obamacare Insurance Center?

19· · · · A· · Not really.· I know we have a banner, but not

20· ·that we printed banners.

21· · · · Q· · Where would the banner come from that said

22· ·Obamacare Insurance Center?

23· · · · A· · It's just a banner that you display, the one

24· ·that that goes up and down.

25· · · · Q· · Yeah.· But somebody has to create it.· Who

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·1· ·created it?

·2· · · · A· · The company, I don't know the vendor's name.

·3· · · · Q· · Yeah.· Did you order the banner?

·4· · · · A· · Yes.

·5· · · · Q· · Okay.· All right.· Now, let me show you

·6· ·Exhibit F for the record.

·7· · · · · · ·(Thereupon, Plaintiffs' Exhibit F was entered

·8· · · · · · ·into the record.)

·9· ·BY MR. CUMMINGS:

10· · · · Q· · Okay.· Here we see another schedule.· This one

11· ·is from the week of May 23rd, 2022 to May 27th, 2022.

12· ·Do you have any idea who created this schedule?

13· · · · A· · No.

14· · · · Q· · That was a no?

15· · · · A· · Yeah, a no.

16· · · · Q· · Okay.· And from May 23rd, 2022 to May 27th,

17· ·2022, were all of the people on the left side of the

18· ·schedule producing agents for Avant Assurance at that

19· ·time?

20· · · · A· · Yes.

21· · · · Q· · All right.· I'm now showing you Exhibit G.

22· · · · · · ·(Thereupon, Plaintiffs' Exhibit G was entered

23· · · · · · ·into the record.)

24· ·BY MR. CUMMINGS:

25· · · · Q· · And Exhibit G is a schedule from May 30th,

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 31 of 54
·1· ·2022 to June 3rd, 2022.· Were all of the producing

·2· ·agents working for Avant Assurance during that time?

·3· · · · A· · That I don't recall.

·4· · · · Q· · Okay.· Now, I'm showing you -- well, this one

·5· ·is all -- this says agents schedule in English.· I'm

·6· ·showing you Exhibit H.

·7· · · · · · ·(Thereupon, Plaintiffs' Exhibit H was entered

·8· · · · · · ·into the record.)

·9· ·BY MR. CUMMINGS:

10· · · · Q· · Just give me a second here.· Go back and make

11· ·sure I mark this right.· Okay.· All right.· Now, I'm

12· ·going back to Exhibit H, which was the last one.

13· · · · · · ·And this one says, "Agent schedule" in English

14· ·and this is from June 27th, 2022 to July 1st, 2022.

15· ·Looking on the side at the producing agents, were those

16· ·producing agents working for Avant Assurance in -- from

17· ·June 27th, 2022 to July 1st, 2022?

18· · · · A· · I don't recall.

19· · · · Q· · Okay.· Now, you previously mentioned that

20· ·Mariana Lopez basically resigned on some Monday in 2022,

21· ·right?

22· · · · A· · Correct.

23· · · · Q· · Do you know what month that was that she

24· ·resigned?

25· · · · A· · I think, it was July.

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·1· · · · Q· · All right.· And do agents -- producing agents

·2· ·ever work overtime at Avant Assurance?

·3· · · · A· · No.

·4· · · · Q· · Have you ever asked a producing agent to work

·5· ·overtime at Avant Assurance?

·6· · · · A· · Me, no.

·7· · · · Q· · Do you know if anybody who is responsible for

·8· ·managing the agent have asked them to work overtime?

·9· · · · A· · No.

10· · · · Q· · Okay.· I want to show you what I'm marking

11· ·now --

12· · · · · · ·MR. CUMMINGS:· Madam Court Reporter, I think

13· · · · we're up to Exhibit I.

14· · · · · · ·THE COURT REPORTER:· Yes.· I have the last

15· · · · Exhibit as H, so the next one would be I.

16· ·BY MR. CUMMINGS:

17· · · · Q· · Okay.· All right.· I'm now going to show you

18· ·what I'm marking as Exhibit I for the Deposition record.

19· · · · · · ·(Thereupon, Plaintiffs' Exhibit I was entered

20· · · · · · ·into the record.)

21· ·BY MR. CUMMINGS:

22· · · · Q· · Okay.· Here we go.· All right.· So, what I'm

23· ·showing you now is what I'm marking as Exhibit I. Please

24· ·take a second to read this over.· It's a three-page

25· ·document.

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·1· · · · · · ·So, you can -- let me know when you need me to

·2· ·move up and down, but I'll start here.· Now, I'll just

·3· ·make this bigger so you can see it.

·4· · · · A· · There was something on top that I couldn't

·5· ·catch.

·6· · · · Q· · Okay.

·7· · · · A· · Okay.

·8· · · · Q· · So, you can just let me know when you need me

·9· ·to move up and down the screen.

10· · · · A· · Yeah, you can move.

11· · · · Q· · Okay.

12· · · · A· · So, I'm down to, "Thanks again for being

13· ·transparent and honest."

14· · · · Q· · Okay.

15· · · · A· · Okay.· Who's sending this, it's not clear.

16· · · · Q· · I mean, I can just --

17· · · · A· · Mariana.

18· · · · Q· · I can scroll up for you.· Yeah, no problem.

19· · · · A· · Okay.

20· · · · Q· · I mean, you can tell me where to stop, so I'm

21· ·not exactly sure where you left off or whatever.

22· · · · A· · Yeah.· Carlos Lopez, right there.

23· · · · Q· · Okay.

24· · · · A· · Okay. Okay.

25· · · · Q· · Just going down further.· Okay.· So, the first

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·1· ·thing I noticed is looking at all of the different

·2· ·e-mail addresses that are throughout this three-page

·3· ·document.

·4· · · · · · ·I don't think, I ever saw your e-mail address.

·5· ·So, the first question I have for you is, have you ever

·6· ·seen this e-mail chain before?

·7· · · · A· · I saw it after the fact.

·8· · · · Q· · Okay.· So, meaning like you didn't see it when

·9· ·it was going back and forth in June 2022 basically?

10· · · · A· · Correct.

11· · · · Q· · Okay.· All right.· Now, based on what you've

12· ·read and, you know, your position at the company, what

13· ·is your basic understanding of what's going on here in

14· ·these e-mails?

15· · · · A· · So, agents, they were affirming that they were

16· ·1099 that they wanted to have control -- continue having

17· ·control of their schedule.· And there's a confirmation

18· ·from Jennifer, agreeing with that, that at no point that

19· ·was being changed.

20· · · · Q· · All right.· Now, when we go up to the e-mail

21· ·from Katrina Guerra on June 16th, 2022 to Jennifer.

22· ·Well, actually the one at 09:50, I'm going to start

23· ·here.· I'll just highlight it.

24· · · · · · ·Okay.· So, it's actually the other way around.

25· ·Jennifer is writing to Katrina and says that, "The

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 32 of 54
·1· ·communication Alix sent yesterday is simply as you

·2· ·stated to ensure floor coverage at all times."

·3· · · · · · ·Do you know which communication is being

·4· ·referred to here from Alix?

·5· · · · A· · I'm guessing that there's another e-mail

·6· ·attached to this.

·7· · · · Q· · Okay.· And we see an e-mail at the bottom from

·8· ·Alix on June 15th.· Do you know if this is the e-mail

·9· ·that Katrina and Jennifer are referring to?

10· · · · A· · No, I don't know.· As you could see, I'm not

11· ·copied in there.

12· · · · Q· · Okay.· Got it.

13· · · · A· · Yeah.

14· · · · Q· · So, either way, it sounds like Alix wanted to

15· ·make sure that there was floor coverage at all times. Do

16· ·you know what floor coverage means?

17· · · · A· · No.

18· · · · Q· · I noticed that at the bottom that it says that

19· ·Alix is the call center manager.· Is that his position

20· ·at -- I'm sorry, her, I keep calling her, him, but when

21· ·I say Alix, I mean her.· Is Alix considered the call

22· ·center manager now for Avant?

23· · · · A· · Today she's a call center manager.

24· · · · Q· · Got it.· When did she get that position?

25· · · · A· · I will have to check.

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·1· · · · Q· · What is her duty or her role as the call

·2· ·center manager?

·3· · · · A· · Making sure that we have calls coming in, so

·4· ·that agents are not just there without producing.· What

·5· ·else?· She is also a producer, so she also gets on the

·6· ·phone and sells, pretty simple.

·7· · · · Q· · Got it.· Okay.· And so, was Avant having an

·8· ·issue at some point with sales agents not being in the

·9· ·office taking calls?

10· · · · A· · Not that I'm aware of.

11· · · · Q· · Okay.· And then we see that -- let me see.

12· ·Katrina wrote to Jennifer first, it looks like that same

13· ·morning, June 16th, 2022.

14· · · · · · ·And she says, "I agree it is a good idea to

15· ·have protocol in place in the event of an agent needing

16· ·an adjustment to the schedule that was agreed upon for

17· ·the week."

18· · · · · · ·Do you know what schedule she's referring to

19· ·that was agreed upon for the week when Katrina says

20· ·that?

21· · · · A· · No.· Unless she agrees with another agent to

22· ·be a certain time and the other agent to be a certain

23· ·time.· I don't know what she's referring to.

24· · · · Q· · Okay.· But it's not the case.· You're saying

25· ·that Avant never mandated the producing agents to be in

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·1· ·the office at certain times?

·2· · · · A· · No.

·3· · · · Q· · Okay.· And then Katrina's also referring to a

·4· ·protocol in place here, in the event of an agent needing

·5· ·an adjustment.· Do you know what protocol Katrina's

·6· ·referring to?

·7· · · · A· · No.

·8· · · · Q· · All right.· Okay.· Going back up to Jennifer's

·9· ·e-mail response back to Katrina, she said that, "Rey

10· ·asked that I set up a meeting this afternoon to clarify

11· ·any questions."

12· · · · · · ·Do you remember asking Jennifer to set up a

13· ·meeting with the producing agents to clarify questions

14· ·about a schedule?

15· · · · A· · Not about a schedule, about the communication

16· ·that was being misinterpreted.

17· · · · Q· · Okay.· What communication was being

18· ·misinterpreted?

19· · · · A· · I guess one of these e-mails that the agents

20· ·were sending to Jennifer.

21· · · · Q· · But what I'm trying to find out is, what was

22· ·the original communication like, why were the agents

23· ·thinking that they had to be on a set schedule.

24· · · · · · ·Did something go out from Avant Assurance

25· ·saying, "Hey, you know, there's a schedule in place now

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·1· ·that everybody needs to be working"?

·2· · · · A· · No.

·3· · · · Q· · No.· Okay.

·4· · · · A· · My best guess is like, let's say you have a

·5· ·contractor that is going to go to your house to do

·6· ·something in the roof and they'll tell you, "I'll be

·7· ·there tomorrow at 09:00 a.m."

·8· · · · · · ·So, my best guess in here what I'm

·9· ·interpreting is agents were trying to agree among

10· ·themselves, how would they communicate if they were not

11· ·going to go there to provide their services.

12· · · · Q· · Okay.

13· · · · A· · Just as a courtesy, because you want to tell

14· ·your clients if you're going to go or if you're not

15· ·going to go.

16· · · · Q· · Okay.· Was there a producing agent that worked

17· ·for Avant Assurance named Carlos Vasquez?

18· · · · A· · Carlos, what's the last name?

19· · · · Q· · Vasquez.

20· · · · A· · Vasquez, I think we had a Carlos, I don't

21· ·recall his last name.

22· · · · Q· · And did you approve Carlos Vasquez to work for

23· ·Avant -- I'm sorry.· You said you don't know the last

24· ·name.· Did you approve an agent named Carlos to work for

25· ·Avant?

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 33 of 54
·1· · · · A· · Approve to work, I'm not sure what you mean by

·2· ·that.

·3· · · · Q· · Did you hire him to work for Avant?

·4· · · · A· · He was a producer like the others.

·5· · · · Q· · Yeah.· How did he start producing at Avant

·6· ·Assurance?

·7· · · · A· · How?

·8· · · · Q· · Yeah. Because I mean we keep going through

·9· ·this where you know, I'm trying to figure out how people

10· ·came to work at Avant and you're saying we didn't hire

11· ·them because they're independent contractors. So, it

12· ·gets into this weird thing where it's like, you know,

13· ·clearly people are working there but you didn't hire

14· ·them.

15· · · · · · ·So, it's like, I don't know what you want to

16· ·call it.· You can call it whatever you want, right, but

17· ·if people are working as producing agents there, they

18· ·had to be -- they had to go through some kind of process

19· ·to start working.· They didn't just show up one day and

20· ·just start, you know, taking calls.· I mean, I don't

21· ·really care what you call it.· But how did Carlos, start

22· ·working at Avant?· Who approved him to work there?

23· · · · A· · So, in any case, it would be that he met with

24· ·me.

25· · · · Q· · Okay.

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·1· · · · A· · He told me what he was doing before as an

·2· ·agent and that he was available to produce for the

·3· ·company.

·4· · · · Q· · Okay. And when did you first meet with Carlos?

·5· · · · A· · Definitely that I don't recall.

·6· · · · Q· · Did he start working in 2020, when Avant first

·7· ·opened?

·8· · · · A· · That I don't remember.

·9· · · · Q· · Do you keep records of when people in short --

10· ·do you keep records of when producing agents start

11· ·working for Avant?

12· · · · A· · So, they will typically sign a W-9 form, that

13· ·they will need to execute and date.

14· · · · Q· · And does Avant keep a record of the W-9s that

15· ·the producing agents sign?

16· · · · A· · We should have records.

17· · · · Q· · Okay.· Is the W-9 form signed every year by

18· ·the agent?

19· · · · A· · Every what?

20· · · · Q· · Is it signed every year that the agents work

21· ·for Avant?

22· · · · A· · What do you mean every year?

23· · · · Q· · Yeah.· So, like if -- let's say, for example,

24· ·Carlos, if he did start working there in 2020, he

25· ·would've filled out a W-9 in 2020?

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·1· · · · A· · I'm not sure.· I'm not sure of when would the

·2· ·W-9 be signed in particular.

·3· · · · Q· · Okay.· Is there -- let's just take any

·4· ·producing agent, one of the Plaintiffs.· Let's say, you

·5· ·know, Delio Batista.· Is there any way that you could

·6· ·check a document that would tell you when he started

·7· ·working with or for Avant?

·8· · · · A· · No.

·9· · · · Q· · Okay.· What about Mariana Lopez, is there

10· ·anything that you could check to tell you when she

11· ·started working with or for Avant?

12· · · · A· · No because it could be that she started

13· ·producing and a couple of days after was when she

14· ·executed the W-9.

15· · · · Q· · Okay.

16· · · · A· · So, the document would not tell us the exact

17· ·date.

18· · · · Q· · What about when people are terminated or when

19· ·they leave Avant, how do you know that particular date?

20· · · · A· · If they're an employee today, we have track,

21· ·if they're independent contractor, we don't necessarily

22· ·have -- we could keep track of that, you know, unless

23· ·there was a particular action that created the

24· ·termination or the agreement to happen.

25· · · · Q· · Got you.· Does the person, the producing agent

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·1· ·that you know with the first name Carlos, still work

·2· ·with Avant?

·3· · · · A· · No.

·4· · · · Q· · Why does he no longer work for Avant?

·5· · · · A· · That I don't recall, it was years ago.

·6· · · · Q· · Well, when you say years ago, Avant's only

·7· ·been in existence since 2020, right?

·8· · · · A· · Correct, that's years ago.

·9· · · · Q· · Okay.

10· · · · A· · Yeah.

11· · · · Q· · No, I got that. And I was just trying to

12· ·clarify.· So, we're only really working with three years

13· ·here because it's 2023, and you've been open since

14· ·September 2020.· So, you just don't remember, you said

15· ·years ago.· So, did he start work -- did Carlos, start

16· ·working there in 2021?

17· · · · A· · I don't know.

18· · · · Q· · Got it.· And was Carlos fired or did he leave?

19· · · · A· · That I don't recall.

20· · · · Q· · Did Carlos have an argument with Alix?

21· · · · A· · Not that I'm aware of.

22· · · · Q· · Got it.· Did Carlos have an argument with Alix

23· ·over his working schedule?

24· · · · A· · Not that I'm aware of.

25· · · · Q· · Do you know if Carlos came into the office

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 34 of 54
·1· ·late one day and was reprimanded by Alix?

·2· · · · A· · No.· I don't think so.

·3· · · · Q· · Do you know if Carlos said, "I'm not going to

·4· ·work the hours that have been scheduled and he was let

·5· ·go because he did not work those hours?"

·6· · · · A· · That definitely did not happen.

·7· · · · Q· · Okay.· How do you know that didn't happen?

·8· · · · A· · Because they were independent contractors, so

·9· ·we would not terminate them for them refusing to work an

10· ·agreed schedule that was not even agreed.

11· · · · Q· · Okay.· You previously mentioned that -- well,

12· ·let me ask you this.· When producing agents start

13· ·working with Avant, how long do you expect them to stay

14· ·at the time that they begin?

15· · · · A· · As long as they want to, typically it's a

16· ·year.

17· · · · Q· · Okay.

18· · · · A· · That's the understanding.· It would be a year,

19· ·they're free to stay less amount of time, more amount of

20· ·time, it is completely up to them.

21· · · · Q· · Is that a conversation that you have with the

22· ·producing agents when they first come on that you are

23· ·granting them a year of time to work there?

24· · · · A· · No.· I was saying, if I'm an agent I want to

25· ·be somewhere for a certain period of time at least.

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·1· · · · Q· · It would be a year?

·2· · · · A· · That's me, yeah.

·3· · · · Q· · Okay.· But you don't talk to the agents when

·4· ·they first come on and say, "Hey, you know, we're just

·5· ·evaluating your performance for this year and then

·6· ·we'll, you know, reevaluate after a year to see how

·7· ·you're doing."

·8· · · · A· · No.· Because we don't evaluate performance

·9· ·basically, they sell that's great for them and for us.

10· ·If they don't, they don't.

11· · · · Q· · Okay.

12· · · · A· · Yeah.

13· · · · Q· · And so, as far as Avant is concerned, are the

14· ·agent -- producing agents working for a fixed period of

15· ·time or do they just work until they quit or get fired?

16· · · · A· · What's the question again?

17· · · · Q· · As far as Avant is concerned --

18· · · · A· · Um-hum.

19· · · · Q· · -- are the producing agents working for a

20· ·fixed period of time or do they just work until they

21· ·quit or get fired?

22· · · · A· · So, yeah, I don't think it's a fixed period of

23· ·time because there hasn't been an agreement that you

24· ·working from the month of January, you know.· So, it's

25· ·not a fixed period of time.

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·1· · · · Q· · You previously also mentioned the equipment

·2· ·that the producing agents have to use.· So, do they --

·3· ·when they come into the office, let's say the Doral

·4· ·office, do they have a work station that they can work

·5· ·at?

·6· · · · A· · There's multiple work stations, they're free

·7· ·to sit anywhere they want.

·8· · · · Q· · Okay.· Are there any assigned desks for the

·9· ·agents?

10· · · · A· · No.

11· · · · Q· · Sorry, I didn't hear you.

12· · · · A· · No.

13· · · · Q· · You said no?

14· · · · A· · Yeah.· You're talking about the people

15· ·involved in this case or actual employees that we have

16· ·today.· What is your question related to?

17· · · · Q· · Yeah.· So, I mean I was speaking generally,

18· ·but let's talk about the Plaintiffs.· When the

19· ·Plaintiffs worked for Avant Assurance, did they have

20· ·assigned workstations?

21· · · · A· · No.· They were free to see whatever they

22· ·wanted.· One of them may want to be by the window, so he

23· ·will pick the window.· Another one might pick, I don't

24· ·know, closer to the door then they will be closer to the

25· ·door.· It was totally up to them.

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·1· · · · Q· · Okay.· And all they needed to do their work

·2· ·was a computer?

·3· · · · A· · All they, what?

·4· · · · Q· · All they needed to do their work, the

·5· ·producing agents or let's say the Plaintiffs, all the

·6· ·Plaintiffs needed to do their work as producing agents,

·7· ·was a computer?

·8· · · · A· · I think so, yeah.

·9· · · · Q· · Okay.· Because Radius is on the computer,

10· ·correct?

11· · · · A· · Correct, yeah.

12· · · · Q· · Okay.· Did any of the Plaintiffs use their own

13· ·personal cell phones to conduct business for Avant?

14· · · · A· · I think at certain point, I may have seen them

15· ·using their phones as well placing calls.

16· · · · Q· · Okay.· Did Avant have a policy against the

17· ·producing agents using their own cell phones to make

18· ·calls to customers?

19· · · · A· · To make calls to customer, no.

20· · · · Q· · Did Avant have a policy of producing agents,

21· ·including the Plaintiffs, using their cell phones for

22· ·other reasons, not related to making calls to customers?

23· · · · A· · For other reasons, can you clarify the

24· ·question, I don't understand.

25· · · · Q· · Yeah.· I'm just trying to figure out if Avant

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 35 of 54
·1· ·had a policy against the insurance agents using their

·2· ·own personal cell phones while they were working at

·3· ·Avant?

·4· · · · A· · No.· They -- some of them did actually use

·5· ·their cell phones to place calls.

·6· · · · Q· · Okay.· Were there phones available for them to

·7· ·use at the office?

·8· · · · A· · Like physical phones?

·9· · · · Q· · Yes.

10· · · · A· · No.· The system Radius had its own system with

11· ·phone capabilities with it.

12· · · · Q· · Were uniforms ever provided to the producing

13· ·agents in particular the Plaintiffs?

14· · · · A· · No.

15· · · · Q· · And by uniforms, were there any polo shirts

16· ·ever given to them?

17· · · · A· · No.· There's only one uniform in the whole

18· ·company and I have it, it's one polo shirt, if there's

19· ·any other uniform out there, it hasn't been authorized

20· ·by the company.

21· · · · Q· · Yeah.· What does your polo shirt say?

22· · · · A· · For the record.

23· · · · Q· · Sorry.

24· · · · A· · Yeah.

25· · · · Q· · What is -- what does your polo shirt say?

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·1· · · · A· · Avant Assurance.

·2· · · · Q· · Okay.· The office in Kendall, was that space

·3· ·being leased by Avant?

·4· · · · A· · Leased by Avant, yes.

·5· · · · Q· · Were the -- were any of the Plaintiffs

·6· ·required to pay any part of that lease for that office

·7· ·space in Kendall?

·8· · · · A· · To pay?

·9· · · · Q· · Yeah.· Were any of the Plaintiffs in this case

10· ·required to pay any part of the lease for the office

11· ·space in Kendall?

12· · · · A· · No.

13· · · · Q· · What about the Doral office, were any of the

14· ·Plaintiffs required to pay any of the office space for

15· ·the lease in Doral?

16· · · · A· · No.

17· · · · Q· · What did the agents need to bring to work with

18· ·them every day to do their jobs?

19· · · · A· · Their voice pretty much and, you know,

20· ·computer skills, right, they need to be able to type.

21· ·That's it.

22· · · · Q· · Okay.· What was your impression of Delio

23· ·Batista as a sales agent?

24· · · · A· · My impression?

25· · · · Q· · Yes.

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·1· · · · A· · Do you want to be more specific?

·2· · · · Q· · I mean, my understanding is that you didn't

·3· ·do any kind of progress reports or evaluations of the

·4· ·sales -- the producing agents, right?

·5· · · · A· · That's correct, yeah.

·6· · · · Q· · Okay.· So, they didn't get like yearly reviews

·7· ·or monthly reviews or anything like that?

·8· · · · A· · No.

·9· · · · Q· · Okay.· But I mean, did you have an opinion of

10· ·Delio Batista as a sales agent?

11· · · · A· · No.· Because I mean, it's not like I was

12· ·sitting there listen to him on his selling skills, so, I

13· ·wouldn't be able to form an opinion on him.

14· · · · Q· · What about the results of his work though?

15· ·What did you think about the results of his work?

16· · · · A· · He was good --.

17· · · · · · ·MR. CUETO:· Asked and answered.

18· · · · A· · -- enough for the company.

19· · · · · · ·MR. CUETO:· Yeah.· Okay.· You can answer, but

20· · · · I just object to the extent you know.

21· ·BY MR. CUMMINGS:

22· · · · Q· · Yeah.· Sorry, I don't -- I'm not sure I

23· ·actually heard what you said Mr. Cortes?

24· · · · A· · I guess, the same as the other agents.· I mean

25· ·he was producing and we were okay with his production.

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·1· · · · Q· · Did Delio Batista work for any other insurance

·2· ·brokers or -- I'm sorry, insurance agencies at the time

·3· ·he worked for Avant?

·4· · · · A· · That's a question you would need to ask him.

·5· · · · Q· · Okay.· If I ask you the same question about

·6· ·your impression of the other Plaintiffs, would it be the

·7· ·same answer that you gave for Delio Batista?

·8· · · · A· · Yeah.· I mean they were producing and we were

·9· ·both happy with production, them as producer and us as

10· ·an agency.

11· · · · Q· · Now, you previously mentioned that Rafaela

12· ·Valiente worked for another insurance agency called CR,

13· ·correct?

14· · · · A· · She had a contract with CR, yes.

15· · · · Q· · And that at some point she stopped working for

16· ·Avant for a month went to a warehouse and then came

17· ·back, correct?

18· · · · A· · That's what she said, correct.

19· · · · Q· · Okay.· What about Mariana Lopez, do you know

20· ·if Mariana Lopez ever worked for any other insurance

21· ·agency while she was working for Avant?

22· · · · A· · That I don't know.

23· · · · Q· · And what about Carlos Lopez, do you know if he

24· ·worked for any other insurance agency before working for

25· ·Avant?

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 36 of 54
·1· · · · A· · That I don't know.· Those are questions you

·2· ·need to ask them.

·3· · · · Q· · Okay.· As far as you know, did Rafaela

·4· ·Valiente -- never mind, sorry.· As far as you know, did

·5· ·Carlos Lopez work as an insurance agent before he came

·6· ·to Avant?

·7· · · · A· · Not that I'm aware.

·8· · · · Q· · Okay.· And when Carlos first started working

·9· ·with Avant, did he have to be trained on how to do his

10· ·job as a producing agent?

11· · · · A· · No.· He needed to hold a license.

12· · · · Q· · Did Avant pay for him to get his license?

13· · · · A· · If we pay him for him to get the license, no.

14· ·Probably he paid on his own.

15· · · · Q· · Okay.· And Mariana Lopez, do you know if she

16· ·worked as an insurance agent prior to working with Avant

17· ·Assurance?

18· · · · A· · That I don't know.

19· · · · Q· · Okay.· Did Mariana Lopez have to be trained on

20· ·how to be a producing sales agent for Avant when she

21· ·first started working for Avant?

22· · · · A· · Not that I'm aware of.· Maybe train on the

23· ·platform like, you start driving for Uber, you don't

24· ·know the platform.· Yeah, we show you the platform

25· ·around.

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·1· · · · Q· · How much money did Avant Assurance gross in

·2· ·the year 2020?

·3· · · · A· · In the year?

·4· · · · Q· · 2020?

·5· · · · A· · That I don't recall, but it was definitely not

·6· ·a whole lot of money.

·7· · · · Q· · Okay.· Do you know if it was more or less than

·8· ·$500,000?

·9· · · · A· · Way less than that.

10· · · · Q· · Okay.· And I mean -- I don't mean profit, I

11· ·just mean gross income?

12· · · · A· · Yes.

13· · · · Q· · Okay.· 2021, did Avant Assurance gross more or

14· ·less than $500,000?

15· · · · A· · '21, I would need to confirm.· I don't know

16· ·right now, to be honest.

17· · · · Q· · What would you have to refer to figure that

18· ·answer out?

19· · · · A· · Tax returns.

20· · · · Q· · And then last year in 2022, did Avant

21· ·Assurance make more or less than $500,000 gross income?

22· · · · A· · Probably was more than 500.

23· · · · Q· · All right.· So, in -- Avant Assurance is

24· ·currently suing two of the Plaintiffs in this case,

25· ·which would be Mariana Lopez and Carlos Lopez, correct?

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·1· · · · A· · Yes.

·2· · · · Q· · Okay.· And why is Avant Assurance suing -- I'm

·3· ·sorry, why is Avant suing Mariana and Carlos Lopez?

·4· · · · A· · I think that's pertinent to the other case and

·5· ·not to this one.

·6· · · · Q· · Okay.· So, you're not going to answer the

·7· ·question?

·8· · · · A· · In the other case, I may be able to answer and

·9· ·in this case that may not be relevant.

10· · · · Q· · Okay.· I mean --

11· · · · A· · I don't know if I should answer.· That's my

12· ·answer.

13· · · · Q· · No, I understand.

14· · · · A· · Yeah.

15· · · · Q· · I mean, I understand. I mean, here's the

16· ·thing. I mean, just let me kind of like speak to you

17· ·through your Attorney.· I'm not sure if you feel like

18· ·you've been here for a long time, but the answer to that

19· ·question I can still always get, so if you don't mind

20· ·coming back, it's fine.

21· · · · · · ·But you know, like I'm going to get the answer

22· ·to the question, so, because there is another lawsuit,

23· ·so I'm just trying to kind of maybe like save us

24· ·sometime, but if it doesn't matter to you, it kind of

25· ·doesn't matter to me either.

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·1· · · · · · ·I'm almost done, but I can definitely ask you

·2· ·these questions in another setting.

·3· · · · A· · Yeah, that's fine.

·4· · · · Q· · Okay.· All right.· At this time -- let me just

·5· ·double check and make sure I have anything else. Just

·6· ·very quickly.· Delio Batista, why does he no longer work

·7· ·for Avant Assurance?

·8· · · · A· · Because he tried to assault a former employee.

·9· ·I don't know if you know that.

10· · · · Q· · No, I didn't know that.· Who was that?

11· · · · A· · Who was what?

12· · · · Q· · Who did he -- who did Delio try to assault?

13· · · · A· · Our former CFO.

14· · · · Q· · Yeah.· Who was that?

15· · · · A· · The person's name you're asking?

16· · · · Q· · Yes.

17· · · · A· · Okay.· You could just ask Alberto Darsa

18· ·(phonetic).

19· · · · Q· · Were you -- did this incident take place at

20· ·the Doral office?

21· · · · A· · We were in a Zoom meeting and Delio was at the

22· ·office and Alberto Darsa was also at the office.

23· · · · Q· · You were not present at the office?

24· · · · A· · I was not there in the office.

25· · · · Q· · Okay.· Were you able to observe what was

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 37 of 54
·1· ·happening over Zoom between Delio and Alberto?

·2· · · · A· · I heard the whole conversation because it

·3· ·happened over Zoom.

·4· · · · Q· · Okay.· What -- can you basically just tell me

·5· ·what happened?

·6· · · · A· · So, he told the former CFO that different than

·7· ·Carlos, that they go to his office to threaten to

·8· ·assault him.· He wouldn't have even invited him.· He

·9· ·would've just done it on the spot and he was willing to

10· ·do it.· And then he got up and left.

11· · · · Q· · Delio got up and left?

12· · · · A· · Yes.

13· · · · Q· · Okay.· So, Delio didn't do anything physical,

14· ·he just verbally --

15· · · · A· · Threatened to assault, yeah.

16· · · · Q· · Threatened to assault Alberto?

17· · · · A· · Correct.

18· · · · Q· · Got it.· Okay.· And do you know what the

19· ·argument they were having was about?

20· · · · A· · Personality issues, I don't know.

21· · · · Q· · Was it about payment at all, did Delio feel

22· ·like he wasn't getting paid money?

23· · · · A· · No, not at all about payments.· And just so

24· ·you know Alberto wanted to press charges on Delio and

25· ·Carlos.

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·1· · · · Q· · Okay.· Did you talk Alberto out of it?

·2· · · · A· · I did not.

·3· · · · Q· · Why didn't Alberto press charges?

·4· · · · A· · That I don't know.

·5· · · · Q· · Why does Alberto no longer work for Avant?

·6· · · · A· · Because of his performance -- he was new to

·7· ·the company and it was a mutual agreement and he also

·8· ·didn't feel comfortable being in an environment where

·9· ·agents were threatening him to assault him.· So, he

10· ·basically resigned.

11· · · · Q· · Now, on the Zoom call that you were referring

12· ·to previously, was Carlos in the office also, Carlos

13· ·Lopez?

14· · · · A· · Carlos, I don't think he was part of that Zoom

15· ·meeting.· So, he had threatened Alberto before that

16· ·meeting and he was no longer producing for us because of

17· ·that reason.

18· · · · Q· · Got it.· Okay.· So, who made the decision to

19· ·fire Delio?

20· · · · A· · To fire or to terminate his agreement.

21· · · · Q· · Sure.· Who made --

22· · · · A· · Terminate his agreement, that was me.

23· · · · Q· · And you terminated Delio's agreement because

24· ·of the incident with Alberto?

25· · · · A· · Correct.

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·1· · · · Q· · Not because Delio was no longer producing?

·2· · · · A· · No, he was producing.

·3· · · · Q· · Okay.· Got it.· Now, Carlos, who made the

·4· ·decision to terminate his agreement?

·5· · · · A· · Well, he basically terminated his own

·6· ·agreement and then I basically confirmed that his

·7· ·agreement was being terminated to him.

·8· · · · Q· · Okay.· But why, what was the reason?

·9· · · · A· · Because he was going to get into a fight with

10· ·Alberto.

11· · · · Q· · How do he --

12· · · · A· · He walked out on his own and he sent me a text

13· ·message saying that he no longer wanted to continue

14· ·producing for the agency because he was going to go

15· ·ahead and hit the other person in charge in him.

16· · · · Q· · Okay.· And did you -- the text message that

17· ·Carlos Lopez sent you, did you accept that as his

18· ·resignation?

19· · · · A· · I had a conversation with him after he sent me

20· ·a text message.· It was a WhatsApp message, not a text

21· ·message because that makes a difference.· And in the

22· ·confirmation, he basically reaffirmed that you know, he

23· ·was very close to hit the other person.

24· · · · Q· · Okay.· Meaning Alberto?

25· · · · A· · Alberto, correct.

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·1· · · · Q· · How did you get along with Alberto?

·2· · · · A· · The same, I get along fine with everybody.

·3· · · · Q· · Okay.· Did you want to hit Alberto?

·4· · · · A· · No.

·5· · · · Q· · Okay.· All right.· And Mariana -- well, no I

·6· ·already know about Mariana.· Rafaela, how did her

·7· ·contract with Avant end?

·8· · · · A· · Can I ask you for a quick break, just got to

·9· ·use the restroom quickly.

10· · · · Q· · I mean, if you want, this is actually like my

11· ·last question, so I don't know if you want to just

12· ·finish it up now.

13· · · · A· · All right.· Let's try.

14· · · · Q· · It's up to you.· That's fine.· No, go yeah, I

15· ·mean --

16· · · · A· · Yeah.· I'll take five minutes not 10, 5.

17· · · · Q· · Okay.

18· · · · A· · Okay.· I'll be back.

19· · · · Q· · Okay.

20· · · · · · ·(Thereupon, a short discussion was held off

21· · · · · · ·record.)

22· · · · · · ·(Deposition resumed.)

23· ·BY MR. CUMMINGS:

24· · · · Q· · Okay.· And I was asking about Ra --

25· · · · A· · Rafaela.

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 38 of 54
·1· · · · Q· · -- Rafaela Valiente, yeah, how did her

·2· ·contract terminate with Avant?

·3· · · · A· · You know, to be honest, so I was approached by

·4· ·one of our partner agencies and they approached me

·5· ·because Rafaela went to them and she wanted to work for

·6· ·them.

·7· · · · · · ·I don't know if an employer, as an independent

·8· ·agent but she basically approached them and I'm not sure

·9· ·whether she told me at the end that she wanted to go

10· ·work for them or that she just resigned and did not go

11· ·to work for them.

12· · · · Q· · Okay.· So, essentially --

13· · · · A· · I don't recall.

14· · · · Q· · Okay.

15· · · · A· · Yeah.

16· · · · Q· · Okay.· Got it.· Was that in 2022?

17· · · · A· · That was last year.

18· · · · Q· · So, essentially Rafaela just went to go work

19· ·for another agency?

20· · · · A· · Yeah.· I don't know at the end that's what she

21· ·ended up doing or not, but that's what the agency told

22· ·me and that's what she said.

23· · · · Q· · All right. And at the end of the day you know,

24· ·this lawsuit is about my client saying that they were

25· ·not paid overtime bonuses and commissions.

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Cortes, Reinier on 04/11/2023 Page 153

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·1· · · · · · ·As far as the bonuses are concerned, is it

·2· ·Avant's position that the Plaintiffs are not owed

·3· ·bonuses and specifically Delio, Carlos, and Maria -- I'm

·4· ·sorry, the Delio, Rafaela, and Carlos because they were

·5· ·not producing at the time the bonuses were due?

·6· · · · A· · Correct.

·7· · · · Q· · Okay.· Were they paid bonuses in the past by

·8· ·Avant Assurance?

·9· · · · A· · So, if Avant paid any bonuses to them?

10· · · · Q· · Right.· In 2020, 2021?

11· · · · A· · Well, in 2022 we paid them bonuses.

12· · · · Q· · They were paid bonuses?

13· · · · A· · Yes.

14· · · · Q· · Is there a record of the bonuses that were

15· ·paid to them?

16· · · · A· · Yeah.· There's probably a record.

17· · · · Q· · Okay.· Now, here you say probably again, but

18· ·is there something that you can go back and refer to

19· ·that shows the bonuses that were paid out to Delio,

20· ·Rafaela -- well, all of them actually, all four?

21· · · · A· · Yeah.

22· · · · Q· · Okay.· All right.· Now, as far as commissions

23· ·are concerned, my clients said that they did not receive

24· ·all of their commissions.· Did Avant pay the Plaintiffs

25· ·all of their commissions?

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Cortes, Reinier on 04/11/2023 Cortes, Reinier on 04/11/2023 Page 154

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·1· · · · A· · Correct.

·2· · · · Q· · Okay.· And is there a record of all of the

·3· ·commissions that were paid to my clients from 2000 to

·4· ·2022?

·5· · · · A· · Yes.

·6· · · · Q· · Okay.· Has that information already been

·7· ·turned over to us?

·8· · · · A· · I believe so.

·9· · · · Q· · Was that turned over in the form of

10· ·spreadsheets?

11· · · · A· · Yeah, it was an Excel form.

12· · · · · · ·MR. CUETO:· Yeah.· And just the -- I think it

13· · · · was that, that was a very long spreadsheet with it

14· · · · had like 6,000 rows of data.

15· · · · · · ·And in addition, I think there was kind of

16· · · · like a summary of how much was paid to each and

17· · · · that was like in a little graph.

18· · · · · · ·MR. CUMMINGS:· Got it.· Okay.

19· ·BY MR. CUMMINGS:

20· · · · Q· · Now, did any of the Plaintiffs ever complain

21· ·to you that they not -- did not receive their

22· ·commissions?

23· · · · A· · No.

24· · · · Q· · Did any of the complains -- I'm sorry, did any

25· ·of the Plaintiffs ever complain to anybody at Avant that

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Cortes, Reinier on 04/11/2023 Cortes, Reinier on 04/11/2023 Page 155

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·1· ·they did not receive their commissions, before they

·2· ·stopped working there?

·3· · · · A· · Not that I'm aware of.· I mean, it is to our

·4· ·interest for them to get paid in a timely manner.· So,

·5· ·that they con -- so, that they could continue producing

·6· ·for the agency.· So, obviously we wanted them to get

·7· ·paid at all times.

·8· · · · Q· · All right.· And did any of the Plaintiffs

·9· ·complain that they did not receive their bonuses before

10· ·they stopped working at Avant?

11· · · · A· · No.

12· · · · Q· · Okay.

13· · · · · · ·MR. CUMMINGS:· I have no further questions.

14· · · · · · ·MR. CUETO:· Okay.· I have no questions.

15· · · · · · ·MR. CUMMINGS:· All right.· Thank you for your

16· · · · time.

17· · · · · · ·THE WITNESS:· Thank you, Toussaint

18· · · · · · ·MR. CUETO:· All right.· Thank you.

19· · · · · · ·MR. CUMMINGS:· All right.· Ashley --

20· · · · · · ·THE WITNESS:· Yeah.

21· · · · · · ·MR. CUETO:· You have the right to read or

22· · · · waive, Reinier, if you think that, you know, there

23· · · · may be some inaccuracies, you can read your

24· · · · testimony.· If not, you can just waive and let the

25· · · · Court Reporter take care of it.

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Cortes, Reinier on 04/11/2023 Cortes, Reinier on 04/11/2023 Page 156

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 39 of 54
·1· · · · THE WITNESS:· I'm sorry, I didn't hear that.

·2· · · · MR. CUETO:· You can read or waive the

·3· ·deposition transcript.· Usually if you -- people

·4· ·would read it if they think there may be some

·5· ·inconsistencies or that their statements weren't

·6· ·taken down properly, that usually involves

·7· ·technical terms.

·8· · · · And I don't think this involves technical

·9· ·terms where or that there was unclear testimony,

10· ·but it's up to you though, if you want to read it

11· ·to make sure everything said was accurate and

12· ·you're also free to waive it.· That's up to you.

13· · · · THE WITNESS:· Free to what?

14· · · · MR. CUETO:· Waive it, like not read it.

15· · · · THE WITNESS:· Well, yeah, I'm not sure what

16· ·was -- which notes were taken down.

17· · · · MR. CUETO:· Okay.· Yeah, then we'll read.

18· · · · THE COURT REPORTER:· Read.· Okay.· And I

19· ·assume he would be reading through your office

20· ·Mr. Cueto?

21· · · · MR. CUETO:· Yes.

22· · · · THE COURT REPORTER:· Okay, thank you.· And

23· ·then Counsel, Mr. Cummings, before we go off the

24· ·record, you did put some exhibits on the record, I

25· ·have put my contact information in the chat.· If

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·1· ·you could forward those when you're able that would

·2· ·be a great help.· At this time -

·3· · · · MR. CUETO:· And to the extent, I just want to

·4· ·say Mr. Cortes, to the extent you change and of

·5· ·your testimony counsel has the right to bring you

·6· ·back and ask you why you changed it.

·7· · · · THE WITNESS:· Okay.

·8· · · · THE COURT REPORTER:· Okay at this time if no

·9· ·one else has anything to add to the record, we can

10· ·go off the record.

11· · · · MR. CUMMINGS:· Okay thanks a lot.

12· · · · (Deposition concluded at 02:19 p.m.)

13· · · · (Reading and signing of the deposition by the

14· · · · witness has been reserved.)

15

16

17

18

19

20

21

22

23

24

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Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Cortes, Reinier on 04/11/2023 Page 158

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

·2· ·STATE OF FLORIDA

·3· ·COUNTY OF SARASOTA

·4

·5· · · · I, Ashley Craft, Court Reporter and Notary Public

·6· ·for the State of Florida, do hereby certify that I was

·7· ·authorized to and did digitally report and transcribe

·8· ·the foregoing proceedings, and that the transcript is a

·9· ·true and complete record of my notes.

10· · · · I further certify that I am not a relative,

11· ·employee, attorney or counsel of any of the parties, nor

12· ·am I a relative or employee of any of the parties'

13· ·attorneys or counsel connected with the action, nor am I

14· ·financially interested in the action.

15

· · · · · Witness my hand this 12th day of May, 2023.

16

17

18

19

· · ·____________________________________

20· ·Ashley Craft, COURT REPORTER

· · ·NOTARY PUBLIC, STATE OF FLORIDA

21

22

23

24

25

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Cortes, Reinier on 04/11/2023 Page 159

·1· · · · · · · · · · ·CERTIFICATE OF OATH

·2· ·STATE OF FLORIDA

·3· ·COUNTY OF SARASOTA

·4

·5· · · · I, Ashley Craft, the undersigned authority, certify

·6· ·that Reinier Cortes, appeared before me remotely

·7· ·pursuant to Florida Supreme Court Order AOSC20-23 and

·8· ·was duly sworn on the 11th day of April, 2023.

·9

· · · · · Witness my hand this 12th day of May, 2023.

10

11

12

13

· · ·____________________________________

14· ·Ashley Craft, COURT REPORTER

· · ·NOTARY PUBLIC, STATE OF FLORIDA

15· ·Commission No.:· HH 309778

· · ·Commission Exp:· January 6, 2027

16

17

18

19

20

21

22

23

24

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Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 40 of 54
·1· ·DATE:· · ·May 12, 2023

· · ·TO:· · · ·Reinier Cortes

·2· ·C/O

· · · · · · · ·Santiago Cueto, Esquire

·3· · · · · · ·Cueto Law Group

· · · · · · · ·3100 Ponce de Leon Blvd., Ste 1250

·4· · · · · · ·Coral Gables, FL 33134

·5· ·IN RE:· · Delio Batista, et al. v. Avant Assurance Inc.

· · ·CASE NO:· 1:22-CV-22671-Altonaga/Torres

·6

·7· ·Dear Mr. Cortes,

·8· · · · Please take notice that on April 11, 2023, you gave

· · ·your deposition in the above-referenced matter.· At that

·9· ·time, you did not waive signature.· It is now necessary

· · ·that you sign your deposition.· You may do so by

10· ·contacting your own attorney or the attorney who took

· · ·your deposition and make an appointment to do so at

11· ·their office.· You may also contact our office at the

· · ·below number, Monday - Friday, 9:00 AM - 5:00 PM, for

12· ·further information and assistance.

· · · · · If you do not read and sign your deposition within

13· ·thirty (30) days, the original, which has already been

· · ·forwarded to the ordering attorney, may be filed with

14· ·the Clerk of the Court.

· · · · · If you wish to waive your signature, sign your name

15· ·in the blank at the bottom of this letter and promptly

· · ·return it to us.

16

· · ·Very truly yours,

17

· · ·Ashley Craft, Court Reporter

18· ·Universal Court Reporting

· · ·(954)712-2600

19

20· ·I do hereby waive my signature.

21

22

23· ·______________________________

· · ·Reinier Cortes

24

25

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Cortes, Reinier on 04/11/2023 Page 161

·1· ·Errata Sheet

·2

·3· ·NAME OF CASE: Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

·4· ·DATE OF DEPOSITION: 04/11/2023

·5· ·NAME OF WITNESS: Reinier Cortes

·6· ·Reason Codes:

·7· · · · 1. To clarify the record.

·8· · · · 2. To conform to the facts.

·9· · · · 3. To correct transcription errors.

10· ·Page _____ Line ______ Reason ______

11· ·From ____________________ to ____________________

12· ·Page _____ Line ______ Reason ______

13· ·From ____________________ to ____________________

14· ·Page _____ Line ______ Reason ______

15· ·From ____________________ to ____________________

16· ·Page _____ Line ______ Reason ______

17· ·From ____________________ to ____________________

18· ·Page _____ Line ______ Reason ______

19· ·From ____________________ to ____________________

20· ·Page _____ Line ______ Reason ______

21· ·From ____________________ to ____________________

22· ·Page _____ Line ______ Reason ______

23· ·From ____________________ to ____________________

24

25· · · · · · · · · · · · · · ·_______________________

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Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

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Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

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Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

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Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 41 of 54
Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

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 67:20 71:9 72:7

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 11 95:25 96:17

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 23 103:18 104:18

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 15 131:8 140:1,3,

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 13 153:23 154:20,

 22,24,25 155:2

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allow

 6:24

allowed

 71:20 78:1,3 98:7

allows

 29:5

almost

 148:1

already

 27:12 37:20 38:1

 51:25 61:22 99:11

 111:5 115:3

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also

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 30:3 31:18 48:23

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 65:7 66:20 70:5

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 80:1 83:23 118:19

 130:5 131:3 139:1

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always

 7:6 8:18 10:7

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am

 12:7 32:21 33:4

 53:9 84:13

Ambetter

 12:22 13:7 38:23

 87:19,20 88:7,9,13

 89:6,16,17 90:6

 91:9 92:15 100:4,5

 107:13,14,18,25

 109:3,5

Ambetter's

 90:8

amend

 95:19 96:1

among

 72:12 132:9

amongst

 52:1

amount

 84:1 85:10,19

 86:23 87:4,22,24

 98:22 99:1 137:19

an

 11:12,14,25 13:14,

 15 14:24 15:13,24

 16:14,16,17,20,22

 17:1,3,5,6,8,14,17,

 19,24 18:1,3,4,15,

 18,19 20:4,7,14,23

 21:4,19,21 22:12,

 16 24:8 25:2 26:18

 28:24 30:6 31:1

 32:9 37:18 39:14

 47:11 49:9 50:13

 51:7 52:3 56:9

 57:19 59:5 60:21

 61:12 66:1,22

 67:1,15,21 68:1,18

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 12 89:5 91:7,8,10,

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 94:4,6,9 96:2,24

 98:4,10,13 99:1,

 10,15,19 100:4,17,

 23 101:1,4,9,15

 102:4,25 104:2,4,7

 106:3 108:16

 109:2,23 110:10

 111:1,21,22

 113:13,19 114:5

 115:11 116:22

 119:6 121:4,8

 129:7 130:7,15,16

 131:4,5 132:24

 134:1 135:20

 136:20,22 137:9,

 24 138:23 143:9,

 13 144:10 145:5,

 16 150:8 153:7

 155:11

Ana

 58:15,19,20,21,22

 59:4,6 63:21,22

and

 5:8,10,23 6:6,11,

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 11,15,16 8:9 9:14,

 18 10:8 11:13,18

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 12,14,21 17:8,22,

 23 18:13 19:17

 20:2,4 21:25 22:1,

 6,17 23:2,7,14

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 21 29:15,19,24

 30:9,11,17,20,23

 31:3,4,18,24 32:9

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 41:7,8,10,13 42:5,

 8,20,21,25 43:19,

 24 44:4,8,13

 45:15,23 46:11,21

 47:2,24 48:5,9,18,

 25 49:3,10 50:2,11

 51:12,17,18,20,21

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 54:3,7 55:7,11,16

 56:3,6,9,13,18,24

 57:9 58:5,8,13,14,

 18 59:8,24 60:7,

 12,13 61:6,20,25

 62:6,20,23 63:3,7,

 9,15,18,22 64:6,9,

 19,22 65:9,18,22

 66:2,7,11,17,18,25

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 166

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

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 14,15 76:5,13,15,

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 17 78:2,11,14

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 25 81:4,6,25

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 22 87:22 88:5,11,

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 25 92:3,4,6,8,15

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 14,17,20,22

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 22 115:5,12,22,25

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 17,24 124:16,25

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 11,14,22 131:3

 132:6,22 133:10,

 19 134:2,4,13,14

 135:13 136:11,13,

 18 137:1,4 138:4,

 5,9,13 140:1

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 15,16,23 145:8,15

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 21,22 149:1,9,10,

 11,18,23,24 150:7,

 16,23 151:6,12,15,

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 23,25 154:3,4,18

 155:2,12,15,16

 156:8,24 157:8,11,

 18,22 158:3,4,6,13

Andrea

 5:10 9:17 53:18

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another

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answer

 6:14,24 7:4,18

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 20,25 29:25 32:8

 33:19 35:19 50:20

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 143:19 144:7

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 12,18,21

answered

 67:12 93:9 143:17

answers

 6:12

any

 7:22 10:22,23

 13:21,24 20:22

 21:3 25:9,14 28:4

 32:13 35:1,8 37:3,

 11 39:20 41:1,4

 43:8 44:15,19

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 49:21 50:6 52:11,

 23 53:3,13,14,15,

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 77:18 78:10 89:23

 95:3 97:24 98:21,

 22 102:24 109:22

 110:1,5 114:18

 117:5 118:4,5

 119:25 121:23

 123:4 124:12

 131:11 133:23

 135:3,5 139:8

 140:12 141:15,19

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 143:3 144:1,20,24

 154:9 155:20,24

 156:8

anybody

 43:7 109:22 126:7

 155:25

anymore

 43:1 56:15,16

anything

 7:17 41:9 45:14

 69:24 119:21

 135:10 143:7

 148:5 149:13

 158:9

anytime

 71:14 72:23

 117:24

Anyway

 63:13

anywhere

 89:13 122:19

 139:7

appeals

 114:18

appear

 23:10 24:20

 122:19

Appeared

 23:11

Appears

 57:19

application

 20:15,23 21:5

 90:23,24,25 91:7,

 11,13,14,15,23

 92:3

apply

 11:18,20,23,24,25

appointed

 12:17 13:11,13,22,

 25

appointments

 15:22,23

approached

 75:22,23 76:1

 153:3,4,8

approve

 132:22,24 133:1

approved

 133:22

approximately

 5:5 35:4

April

 5:2,4 112:15

are

 5:3,4,6 6:8 8:15,16

 9:14,16 10:8,9

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 167

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

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 16 88:17 89:10

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 2,23

aren't

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argument

 136:20,22 149:19

arguments

 52:24

around

 13:12 128:24

 145:25

as

 5:23,24 13:4

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 81:11 82:5 88:6,9,

 19,20 89:3 90:18,

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 92:25 95:7 96:8,20

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 23 129:1,10 130:1

 132:13 133:17

 134:1 137:15

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 15 142:23 143:10,

 24 144:9 145:3,4,

 5,10,16 151:17

 153:7 154:1,22

Ashley

 5:12 74:3,5,10

 75:3,10,18,21

 76:10 77:21,23

 78:2 156:19

aside

 102:23 103:22

ask

 7:11,18 25:7 26:22

 49:5 69:14 70:21

 73:6 84:5 86:19

 93:7 96:4,6 113:12

 121:25 137:12

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 148:1,17 152:8

 158:6

asked

 11:24 24:22 67:12

 76:5,13 82:14 91:6

 126:4,8 131:10

 143:17

asking

 6:19 10:10 22:18

 36:19 37:7,24

 42:12 48:11 57:20

 65:14 80:23 86:14

 131:12 148:15

 152:24

assault

 148:8,12 149:8,15,

 16 150:9

assigned

 41:16 139:8,20

assistant

 60:21,23,24

assisting

 44:14

assume

 23:15,20 26:13

 39:25 93:1 157:19

assuming

 8:15 40:21 48:8

 58:16 121:3

Assurance

 5:9 10:21 11:1,11

 12:9 13:13 15:5

 19:20,22 21:23

 23:3,24 24:8,14,18

 25:9 26:19 28:7

 32:17,22 33:8,13,

 16,20 34:11,15,18,

 21 35:2,15,25 36:6

 37:2,9,11 41:4,6

 42:6,7 43:7 45:5,

 23 46:2,4,6,18

 48:22 54:10 55:7

 60:12,15 61:11,23

 62:25 63:8,23

 67:22 68:2 70:22,

 25 71:1 73:4,22

 78:2 82:8,10 84:8

 85:15 93:3 97:23

 98:10 100:5

 111:20 115:14

 121:18,21 122:17,

 25 123:3,14

 124:18 125:2,16

 126:2,5 131:24

 132:17 133:6

 139:19 142:1

 145:17 146:1,13,

 21,23 147:2 148:7

 154:8

Assurance's

 42:10 71:25

Assurances

 32:18

asterisks

 96:18

at

 6:9 11:1 15:8,17

 18:9,22 20:13

 23:2,10,22 24:5,

 20,22 25:6,19

 26:10 27:9 31:2,3,

 11 34:12 37:19

 38:10 42:10 43:7

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 24 55:5,23 56:24

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 21 63:8,23 64:11

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 15 73:8,18 75:10

 76:8,16,23 77:4,8,

 23 78:1,2,10,11,

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 82:9 83:7,17 84:8

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 107:3 109:11

 110:20 111:2

 112:14,17 117:22

 118:7 119:24

 120:10,19 121:20

 123:4 124:18

 125:15 126:2,5

 128:1,12,18,22

 129:2,7,15,18,20

 130:8 131:1 132:7

 133:5,10,22

 137:14,25 139:5

 140:14 141:2,7

 144:2,15 148:4,19,

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 168

Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 42 of 54
Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

 21,22,23 149:21,

 23 153:9,20,23

 154:5 155:25

 156:7,10 158:2,8,

 12

attached

 41:17 60:7,11

 100:23 116:22

 129:6

attachment

 65:12

attachments

 62:3 65:10,15

 80:17

attorney

 47:11 52:3 63:12

 147:17

authorize

 47:3 48:19

authorized

 141:19

automatic

 40:14

automatically

 38:7 40:21 119:19

available

 24:6 25:11 27:9

 30:15 103:16

 107:14,16 134:2

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Avant

 5:9 10:21 11:1,3,7,

 11,23 12:1,4,5,6,8,

 14,16 13:11,13,21,

 23,24 14:2,5,7,10,

 20,21,25 15:5,18

 17:13 18:2,22

 19:1,9,20,22 20:2,

 16,23 21:4,14,23

 22:1,3,9 23:3,24

 24:5,8,14,18 25:3,

 6,9,14,19 26:19

 27:13 28:7,18,24

 29:5 31:3,17 32:1,

 13,17,18,22 33:8,

 13,16,20 34:10,15,

 18,21,25 35:2,4,

 12,15,25 36:6

 37:1,9,11,19 41:4,

 5 42:6,7,10 43:1,7

 45:5,23 46:2,4,6,

 17,18 48:3,22

 50:20,23,25 51:1,

 24 52:12,24 53:23

 54:10 55:7,25

 56:11,14,22,25

 57:1,3,6 59:4

 60:11,15,23,24

 61:11,23 62:25

 63:8,13,23 64:11

 66:4,9 67:2,22

 68:2 70:22,24

 71:1,25 73:4,18,22

 75:4 77:8,10,19,24

 78:2,11,14,19

 80:9,13 82:8,10,18

 84:8 85:15 86:15,

 20,24 87:16,20

 88:12,16,18,19,21,

 23,25 89:11,17,19,

 24 90:2,17 91:25

 92:1,10,15 93:2,3,

 11 94:1,5,19

 95:16,23 97:23

 98:10 99:3 100:5

 101:13 103:21,23,

 24 104:11,21,24

 105:12,13,15,16

 106:21,22 107:1

 108:9 111:19,23,

 25 113:4 115:14,

 18,20,22 118:6,8

 120:1 121:18,20

 122:11,17,24

 123:2,8,11,14

 124:18 125:2,16

 126:2,5 129:22

 130:7,25 131:24

 132:17,23,25

 133:3,5,10,22

 134:6,11,14,21

 135:7,11,19 136:2,

 4 137:13 138:13,

 17 139:19 140:13,

 16,20,25 141:3

 142:1,3,4 144:3,

 16,21,25 145:6,9,

 12,16,20,21 146:1,

 13,20,23 147:2,3

 148:7 150:5 152:7

 153:2 154:8,9,24

 155:25 156:10

Avant's

 66:16 90:22 91:1

 100:21 116:5

 119:21 136:6

 154:2

Avenue

 12:12

average

 86:19

aware

 8:3 56:5 78:13

 130:10 136:21,24

 145:7,22 156:3

B

B-O-B

 27:19

back

 10:2,17 16:7

 26:15,24 27:7

 28:13 47:2 48:18

 49:3 60:16 62:10

 76:15,25 77:6

 80:19 84:3 87:11

 94:1,11,20 102:12,

 20 103:10 104:18

 106:16 116:15

 121:18 125:10,12

 128:9 131:8,9

 144:17 147:20

 152:18 154:18

 158:6

bank

 115:21,23

banner

 122:23 123:19,21,

 23 124:3

banners

 122:24 123:2,5,8,

 9,18,20

barely

 61:25 62:3

based

 36:13 49:13 85:19,

 20 88:15 105:18,

 20,21 128:11

basic

 6:5 16:2 25:22

 30:16 128:13

basically

 13:16 15:21 21:3

 31:14,24 32:4 36:4

 39:22 42:23 43:20

 45:16 46:24 47:1

 48:7 50:11 51:1

 56:9 72:12,22 76:3

 80:7 94:3 95:2

 97:12,14 125:20

 128:9 138:9 149:4

 150:10 151:5,6,22

 153:8

basis

 22:11 49:7 50:21

 77:5 83:15 88:19

 98:5

bate

 62:21,24 63:7,9

 82:16

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 169

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

Batista

 5:7 21:17,21

 22:19,21 23:24

 25:2,5 26:18 54:7

 57:1 67:1 68:4

 70:1,9,14,20,21,25

 71:5,20 73:12

 135:5 142:23

 143:10 144:1,7

 148:6

BCBS

 97:21

BCBSIL

 97:18

be

 6:8,15,16,19 8:3

 12:18 13:20 16:9

 17:6 18:1 19:5,16

 20:11 21:13 25:25

 29:18 31:6,7,11

 32:24 33:19 36:7

 37:10,14 38:5,17,

 23 39:20 42:10

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 57:19 59:12 63:22

 64:5,19 66:19

 68:21,25 69:4

 70:9,15 71:5,24

 72:9,10 73:7,15

 79:3 81:1 82:19,

 21,22 83:1,23

 87:21 88:6,19,20

 89:13 91:6 93:1,7

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 96:16,19,20 97:3,

 6,13 98:7,16,23

 101:11,18,23

 102:2,17 105:10,

 22 106:14,15

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 112:15,17 113:18

 114:8,13 116:7,11,

 17 117:2,4,6,22

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 122:21,22 126:15

 130:22,25 131:23

 132:1,6 133:18,23

 135:2,12 137:18,

 25 138:1 139:22,

 24 142:20 143:1,

 13 144:6 145:9,19,

 20 146:16,25

 147:8,9 152:18

 153:3 156:23

 157:4,19 158:2

bear

 62:5

became

 17:17 18:18 70:11

because

 6:14 8:2,16 21:18

 22:9,16 23:21

 24:22 31:12 32:8,

 10 33:22 34:2

 39:23 41:15 44:3

 45:3 48:4,23 50:10

 51:15,19 52:18

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 8,9 66:12 67:6,8

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 76:1,13,16 77:5

 79:18 82:14 83:3,

 18 84:17 87:25

 88:21 90:11 91:5,

 25 93:2 96:5 97:8,

 16 101:23 103:25

 104:19 105:25

 106:4 110:9,19

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 116:18 117:25

 118:3 132:13

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 136:13 137:5,8

 138:8,23 140:9

 143:11 147:22

 148:8 149:2 150:6,

 16,23 151:1,9,14,

 21 153:5 154:4

become

 13:13 16:22 18:9

 26:20

becoming

 18:18

been

 5:23 11:3 20:8,12

 33:5 35:20 40:12

 41:16 44:7 47:22

 50:8 52:21 53:6

 62:6 69:8 72:20

 73:1 78:15 89:21

 94:6 102:16 108:6

 118:19 136:7,13

 137:4 138:23

 141:19 147:18

 155:6 158:14

before

 6:3 15:4,7,8 16:17

 17:8 20:15 22:19,

 21 24:4 25:3,19

 26:19 28:12 33:17

 42:2,11 62:18

 66:22 73:21 80:12,

 23 81:1 87:6 91:5

 94:13,21 104:11

 106:1 116:19

 117:5 123:7 128:6

 134:1 144:24

 145:5 150:15

 156:1,9 157:23

begin

 20:15 137:14

behalf

 5:16,18

being

 46:13 89:25 95:7

 121:4 127:12

 128:19 129:3

 130:8 131:16,17

 142:3 150:8 151:7

believe

 54:12 55:16 66:25

 72:2 99:14 155:8

bell

 64:14

belongs

 59:9,10 116:23

beneficiary

 93:5

benefit

 28:20 106:5

besides

 28:14 50:5

best

 132:4,8

better

 52:22 67:18 71:19

 76:21 82:20 92:2

between

 10:7 19:17 41:6,24

 53:4 55:7 56:6

 84:14 92:5 94:18

 102:19 107:7

 111:22 120:1

 149:1

bigger

 57:16,22,24 63:18

 96:23 127:3

bilingual

 70:3,4

birth

 9:3

bit

 7:23 63:14

blue

 87:12,13 97:15,16,

 17,24,25 98:4,8

Blueink

 45:18,20,21,23

 46:1,2,4,6,8,13,19

 50:6

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 170

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

board

 71:4

BOB

 27:18,21 28:7 91:8

bonus

 84:2 88:6 103:11

 105:2,4,19 106:4,5

 107:3,21 108:13,

 18 109:7,10,23

 110:2,5 111:1,2

 113:11 114:11,16,

 19 115:1,22 116:2,

 6,21

bonuses

 96:1 103:8,9,14,

 16,21,22 104:1,4,7

 105:5,15 106:2

 107:12,16,19

 108:4,9,10 110:7,

 8,14,18,21 112:5,

 15 115:12 153:25

 154:1,3,5,7,9,11,

 12,14,19 156:9

book

 34:15

booklet

 6:14

both

 29:14 46:1 47:7

 70:7 71:9,11 82:17

 123:15 144:9

bottom

 60:10 62:22 63:8

 82:9 96:17 112:14

 120:19 129:7,18

bought

 30:9,12,17

box

 120:20,21

boxes

 87:12

boyfriend

 22:23

break

 62:7,8,18 81:8

 152:8

Bright

 96:24

Bright's

 96:19

bring

 30:21 77:17

 142:17 158:5

bringing

 115:5

brings

 84:4

brokering

 11:7,9 14:2 31:19

brokers

 144:2

brought

 27:9,11 30:9,17

bunch

 113:20

business

 13:16 15:12 23:23

 34:16 52:16 66:13,

 15 76:2 82:14 90:4

 113:15 115:5

 122:7,8,10 140:13

but

 7:24 8:15 10:10

 13:10 15:10 17:6

 22:14 26:13,21

 30:15 31:11 33:19

 34:5 36:14 40:20

 41:18 44:15 46:22

 48:2 51:8 53:6

 56:16 58:20 60:5

 63:14 65:12 66:10

 67:3,24 69:4

 70:18,23 74:5

 75:17 76:24 77:15,

 20 78:14 79:23

 81:23 82:13 84:4

 86:1 88:16 89:10,

 21,23 90:4 91:4,

 10,20 92:10,23

 96:5 97:24 100:24

 103:24 107:20

 109:4 110:13

 111:5,6,11 112:9

 113:16 114:5

 115:17 116:11

 117:3 120:23

 123:6,16,19,25

 127:2 129:20

 130:24 131:21

 133:13,16,21

 138:3 139:18

 143:9,19 146:5

 147:18,21,24

 148:1 151:8 153:8,

 21 154:17 157:10

button

 42:21

by

 6:1 7:2,25 10:18

 13:22,25 20:19

 21:2 24:16 27:13

 35:17 36:16 38:17

 39:3,6,20 40:10

 42:13 43:17 50:19,

 22,24 55:2 57:14

 60:4,8 62:1,17

 63:6,11,12 64:6

 67:13 69:13,16

 73:23 79:21 80:9,

 13 81:14 82:8

 86:13 91:25 93:18,

 20 94:6 95:1,8

 97:9 102:7 111:17

 116:6,18 120:8

 124:9,24 125:9

 126:16,21 133:1

 134:17 137:1

 139:22 141:15,20

 142:3,4 143:21

 152:23 153:3

 154:7 155:19

 158:13

bye

 72:16

C

C-I-G-N-A

 13:5

call

 10:2,17 29:23,24

 30:6,24 31:17

 32:3,5,7 34:6,11

 36:22,23,24 37:9,

 19,25 38:6,16,20

 45:12 50:5 51:18

 79:17 107:1

 119:15 129:19,21,

 23 130:1 133:16,

 21 150:11

called

 5:23 6:15 12:21

 15:10 27:18 32:17

 33:1 49:22 58:20

 74:3,22 82:15

 119:19 144:12

calling

 22:6 129:20

calls

 27:3 31:19 32:4

 43:1 48:23 106:14

 117:25 118:3

 130:3,9 133:20

 140:15,18,19,22

 141:5

came

 71:4,9 75:3 76:4

 82:18 112:9

 121:24 133:10

 136:25 144:16

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 171

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

 145:5

can

 6:6,18 7:3 8:25

 10:4,5 18:13

 20:17,20,24 23:6

 29:8,10 34:20 48:1

 50:2,16 55:3

 57:17,20,25 58:18

 61:25 62:3 63:13

 65:15,18 66:5

 80:19 81:15 82:17

 84:19,20 108:22

 117:5 120:15

 127:1,3,8,10,16,

 18,20 133:16

 139:4 140:23

 143:19 147:19

 148:1 149:4 152:8

 154:18 156:23,24

 157:2 158:9

can't

 59:24,25

cannot

 6:9,16 7:10,22

 52:17 57:23 59:13,

 19

capabilities

 141:11

capacity

 9:21 10:3,9,11,14,

 15

card

 94:4

care

 133:21 156:25

Carlos

 5:8 54:7 57:3

 62:24 67:20,21

 68:5 69:21 79:2

 80:7,25 84:21

 110:17 127:22

 132:17,18,20,22,

 24 133:21 134:4,

 24 136:1,15,18,20,

 22,25 137:3

 144:23 145:5,8

 146:25 147:3

 149:7,25 150:12,

 14 151:3,17 154:3,

 4

carrier

 89:22 95:1

case

 5:10 6:23 33:24

 53:5,14,18 54:6

 62:25 63:9,12 82:9

 88:7 89:23 95:22

 98:22 99:13

 114:10 120:1

 130:24 133:23

 139:15 142:9

 146:24 147:4,8,9

case-by-case

 49:7

cases

 31:19 101:7

 114:13 117:25

catch

 127:5

categories

 96:15

CC

 63:15

cell

 140:13,17,21

 141:2,5

center

 32:3,5,7 120:11

 122:4,16,19

 123:10,15,18,22

 129:19,22,23

 130:2

centers

 97:9

CEO

 11:2,3 32:22,23,24

certain

 27:13 30:2 67:15

 72:10 82:2,3 96:14

 97:9,25 117:2,3

 130:22 131:1

 137:25 140:14

certainly

 73:20

CFO

 148:13 149:6

chain

 128:6

change

 158:4

changed

 17:7 45:14 83:19

 104:20 128:19

 158:6

changing

 85:4

charge

 12:6 92:1 151:15

charges

 149:24 150:3

Charlie

 13:4 78:23

chat

 157:25

check

 18:13 19:5 55:19

 69:5 102:15,17,21

 110:11 115:13,15

 129:25 135:6,10

 148:5

choose

 49:9

Cigna

 12:21 13:3

clarification

 22:8

clarify

 131:10,13 136:12

 140:23

cleaner

 63:15

clear

 6:13,14 7:4 9:19

 127:15

clearly

 133:13

click

 42:21 91:8

client

 22:12 49:19

 153:24

clients

 47:13 52:2,3 53:13

 63:1 100:14

 132:14 154:23

 155:3

close

 88:13 90:5 151:23

closed

 86:17 88:17 98:24

 106:13 117:2

 120:22

closer

 139:24

closing

 88:3

CMS

 119:2

cold

 8:7

Columbia

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 172

Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 43 of 54
Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

 32:14,15,20,23,25

 33:5,7,12,16 34:6,

 10

come

 29:20 48:18 62:10

 70:13 71:14 72:17

 84:3 115:2 123:21

 137:22 138:4

 139:3

comes

 26:25 37:19 38:6,

 20 45:10,14 84:9

 94:11 106:9 113:2,

 3,11 118:25

comfortable

 150:8

coming

 117:24 119:22

 130:3 147:20

commission

 79:16 84:9 85:8

 87:25 88:5 95:7

 99:6 100:11,12,15,

 20 101:5,19,25

 102:3,8,20,23

 103:8 109:5

 116:17,19,21

commissions

 84:6,7,8 86:15

 95:19 96:1 108:12,

 20,24 116:16

 153:25 154:22,24,

 25 155:3,22 156:1

commonly

 33:24

communicate

 69:15 70:2,6

 132:10

communicated

 69:19

communication

 129:1,3 131:15,17,

 22

comp

 107:21

companies

 12:16 13:10,11,16,

 19,21,24 44:9 85:4

 90:2 95:8,18

 105:20 107:19,21,

 24 108:1,2,4,8,11,

 17 112:16 113:9

 119:2

company

 11:4,17 12:10

 13:14 25:22 27:22

 28:3 31:6,7,22,23

 36:7 39:6,10,18,19

 40:3,7,10,14,15

 42:24 43:12,13,15

 45:13 47:1 48:17

 50:20,23,24 51:7

 67:17 71:12,13

 83:19 85:12,15

 86:16,22 87:1,5,14

 88:18 89:25 92:7,

 10 93:18,21,22

 94:6,12,17,20,22

 95:10,12 96:24

 99:19 100:21

 101:8,24 102:5

 106:1,4 110:22,24

 111:7,8,23,24,25

 112:10 113:3,12,

 13,23 114:2,10,17,

 21,23 115:5,7,13

 116:1 124:2

 128:12 134:3

 141:18,20 143:18

 150:7

company's

 39:3 42:3,6 43:23

 85:5

comparing

 116:20

compensated

 51:12 53:25

compensation

 50:15,17 51:4

 55:15 81:6,19

 82:22,25 83:13,17,

 19,24 84:10,16,20,

 22 85:4,6 87:8,12

 88:6 91:3 94:23

 96:21 97:3,6

 102:24 103:1

 112:16

complain

 53:14 155:20,25

 156:9

complained

 53:18

complains

 155:24

complaint

 55:17 99:2

complaints

 52:24

complete

 6:22 38:18,25

 94:11

completed

 39:16 41:14

completely

 137:20

completes

 43:8

completing

 39:14

compliance

 118:25

compliant

 119:7

component

 103:7

computer

 27:5,6,12 30:3

 31:3 76:16 140:2,

 7,9 142:20

computers

 27:8 119:21

con

 156:5

concerned

 138:13,17 154:1,

 23

concluded

 158:12

conclusions

 22:15

conduct

 140:13

confirm

 79:23 82:17 83:4

 90:1 146:15

confirmation

 40:11 128:17

 151:22

confirmed

 151:6

confusing

 6:16 10:13 85:7

consent

 46:20,21,24 47:5,

 8,11,14,17,20,25

 48:4,7,12,16,21

 49:2,5,7,15,16,19,

 23 50:6

consider

 21:20 66:18

 102:25

considered

 11:7,8 16:14

 25:15,18,24 68:7,

 25 94:10 129:21

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 173

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

consists

 26:7

consumer

 47:2 48:18 52:18,

 19,20

consumers

 97:8

contact

 72:10 157:25

contacting

 36:16

contacts

 40:15

contingent

 50:21

continually

 89:1

continue

 56:10 90:17 115:4,

 8 128:16 151:13

 156:5

continued

 67:17

contract

 13:17 17:13,14,15,

 18 18:16,20 41:4,5

 53:24 54:9,14,16,

 19 92:5 97:16

 111:18 112:20

 113:6,8 144:14

 152:7 153:2

contracted

 78:18,22,25

contractor

 16:15,20 17:6,14

 18:2,3,4,15 21:21

 22:12,16 55:6,7

 56:13 60:12,15,25

 61:1,2,12,21

 65:22,23 66:2,3,7,

 8,22 67:2,16,21

 68:2,6 70:10,16

 71:6 73:16 75:10

 76:9 79:3 80:12,14

 81:2,5 98:5 132:5

 135:21

contractors

 14:13,15,18 54:4

 66:19,20 68:8,22

 69:1 118:9,22,23

 133:11 137:8

control

 71:10 128:16,17

controlled

 97:9

controlling

 45:3

convenience

 30:18

conversation

 41:6 70:13,17 71:8

 79:5 137:21 149:2

 151:19

conversational

 6:18

conversations

 53:1,4,14

cool

 65:8

coordinating

 72:12

copied

 129:11

copy

 63:15

corporate

 9:19,23 10:8,9,14,

 15

Corporations

 122:13

correct

 8:12,21 9:7,11

 13:2,6 14:16 16:19

 21:22 24:10,13

 29:4 31:18 34:4,8,

 14 38:9,13 39:8,13

 40:23 41:22 42:15

 48:9 49:11 50:4

 58:6,7 64:8 65:17

 67:2 73:9,10 74:12

 75:4 76:7 77:1,9

 80:13 83:15 85:18

 86:18,21,24 88:4

 94:13 95:2 98:2

 99:17,21 101:21

 102:13 103:20

 104:22 107:11

 108:5,16 109:6,14

 110:15 112:12,22

 114:8 115:15,21,

 24 120:25 121:1,

 22 125:22 128:10

 136:8 140:10,11

 143:5 144:13,17,

 18 146:25 149:17

 150:25 151:25

 154:6 155:1

Cortes

 5:1,7,9,22 6:2 8:24

 10:19 16:10 59:25

 62:19 64:20 69:15

 86:14 143:23

 158:4

cosmonaut

 75:1

coughing

 8:1

could

 10:7 27:10 28:21

 29:14,15 30:6 31:6

 35:16 37:10,14,16

 38:5 39:4 50:8,10

 51:10,16 53:6

 58:25 59:12 63:21

 64:5 69:10 72:14

 77:15 86:1 87:21

 88:20 89:13,21

 94:14,21,22 96:16

 98:14,16 102:17

 103:21 107:12

 111:5,12 113:5

 114:8,13 117:2,7

 118:2,19 119:10

 121:5,8,11 122:21,

 22 129:10 135:5,

 10,12,22 148:17

 156:5 158:1

couldn't

 65:10 127:4

counsel

 5:20 61:12 157:23

 158:5

Counsels

 5:14

couple

 7:24 95:11,12

 102:22 135:13

course

 26:21 65:14

court

 5:3,12,13,20 6:9,

 10,21 7:7,10 8:10

 16:8 61:8 62:13,25

 126:12,14 156:25

 157:18,22 158:8

courtesy

 132:13

courtroom

 8:13,17

coverage

 129:2,15,16

CR

 78:18,22,23,25

 144:12,14

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 174

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

Craft

 5:12

crazy

 61:9

create

 26:1,5 61:12 79:6

 123:25

created

 26:4 47:8 60:16,

 17,18,20 80:13

 81:2 83:6 112:11

 118:15 121:24

 124:1,12 135:23

creating

 47:10 60:21

criteria

 49:14

CRM

 27:20 29:2 30:4

 37:20 38:1,3

 91:14,24 99:25

 116:15

Cross

 97:25

Cueto

 5:18 9:18,24 10:4,

 12 20:17,24 60:2

 61:15,17 62:9,11

 67:12 69:3,12

 86:3,7 111:13

 143:17,19 155:12

 156:14,18,21

 157:2,14,17,20,21

 158:3

Cueto's

 61:23

Cummings

 5:16 6:1 9:22 10:1,

 6,16,18 20:19 21:2

 55:2 57:14 60:4

 62:10,12,17 63:6

 67:13 69:6,13

 81:14 86:13

 111:17 120:8

 124:9,24 125:9

 126:12,16,21

 143:21 152:23

 155:18,19 156:13,

 15,19 157:23

 158:11

current

 9:5,6,12 18:7

currently

 10:19 14:14,15

 19:1,10 25:18

 45:24 66:4 146:24

customer

 31:9,12 33:21

 36:17,21,22,24,25

 37:3,6,8,20 38:1,5,

 8,11,16,21,22

 39:1,21 40:5,11,18

 41:19,20 42:11,14,

 20 43:1,4,6,8,10,

 12,16,17,18,24

 44:5,9,19 47:16,

 20,23,25 48:5,8,21

 51:7,8,24 85:16,20

 86:24 87:7,20

 89:1,2,6,11,15,17,

 25 90:5,9,17 91:1,

 17,18 92:9,11,14,

 16 93:14 94:2,5,9,

 10,19 96:14

 106:12,14 116:6

 140:19

customer's

 43:22 90:25 102:9,

 11

customers

 22:7 24:12 29:22

 31:16 34:8,13,19

 37:12,16 53:11,15,

 19 109:4 112:25

 116:4 140:18,22

cut

 7:1

cycle

 94:23

D

d/b/a

 122:5,10,12

Darsa

 148:17,22

data

 35:23 36:3 43:20,

 21 44:8,19,20,21,

 23,25 155:14

date

 9:3 58:14 89:14

 96:2 134:13

 135:17,19

dates

 104:20

day

 15:21 22:1,6 27:1

 35:18 45:4,9

 133:19 137:1

 142:18 153:23

day-to-day

 18:23

days

 89:13 94:21 95:11,

 12 102:22 117:2,3

 120:17 135:13

De

 121:2

December

 96:3 104:19

decide

 47:24 80:6 103:21

decided

 28:21 71:19

decides

 84:10 105:2,15

 114:11

decision

 49:4,6,13 52:19

 114:13,14,15

 150:18 151:4

Defendant's

 62:23

defendants

 5:19 63:12

define

 14:9,11

defined

 113:8

definitely

 23:7 48:10 77:15

 83:25 110:9 134:5

 137:6 146:5 148:1

delay

 102:19

Delio

 5:7 21:17,20

 22:19,21 23:10,24

 24:5,17 25:2,5

 26:18 30:10 54:7

 56:25 67:1,23 68:4

 70:1,8 73:11,19

 80:3,4 84:20

 110:17 135:5

 142:22 143:10

 144:1,7 148:6,12,

 21 149:1,11,13,21,

 24 150:19 151:1

 154:3,4,19

Delio's

 150:23

Department

 119:1

depend

 89:22

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 175

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

depending

 35:18 95:16

depends

 14:12 98:13

depo

 9:20,23

deposit

 102:15,16 115:16

deposition

 5:1,6 6:3,6,8,15

 7:22 10:4 54:23

 62:16 81:11 86:12

 126:18 152:22

 157:3 158:12,13

depositions

 6:18

desks

 139:8

desktop

 27:8

determine

 85:8

devices

 27:3,4 30:2

did

 11:22,25 15:3,4,7,

 14 16:22 17:15,17

 18:1,9,19 21:16,

 17,25 22:1,3,8,18,

 20,21 23:10,23

 24:1,5,14,17 25:5

 26:5,6,19 27:6

 28:13,18,23,24

 30:7 32:1,13 33:7,

 10 44:8,11,18,20

 46:1,4,6,8 47:2,9,

 10,13,16,20 48:8,

 10,18 49:19 50:6

 51:5 53:10,13,23

 54:9,14 55:11

 56:5,10 61:11,23

 65:23 66:1,6,18,21

 67:14,20 68:1,5,7,

 12,14,16,17 69:4,

 15,24 70:1,9,21

 71:4,22 72:6

 73:11,15,21 74:23

 75:6,17,18,25 76:8

 77:10,12 78:3,21,

 24 79:2,5,8,18,24

 80:25 83:8 98:21

 103:24 104:24

 108:12 109:15,22

 110:1,5,7,9,18

 111:9 122:24

 123:2,6,9,13,16

 124:3 129:24

 131:24 132:22,24

 133:3,5,21 134:4,

 6,24 136:15,18,20,

 22 137:5,6 139:19

 140:12,16,20

 141:4 142:17

 143:9,15 144:1

 145:3,4,9,12,19

 146:1,13,20

 148:12,19 149:21

 150:1,2 151:16,17

 152:1,3,6 153:1,10

 154:23,24 155:20,

 21,24 156:1,8,9

 157:24

didn't

 48:6 53:21 56:7,9,

 16 67:4 71:24

 72:19 110:9

 111:13 118:1

 123:12 128:8

 133:10,13,19

 137:7 139:11

 143:2,6 148:10

 149:13 150:3,8

 157:1

difference

 41:24 92:21

 151:21

different

 41:25 49:5 51:22

 55:12 63:7 76:13

 82:24 83:16,18,24

 84:21,22 96:9,10

 128:1 149:6

digital

 39:23,24 40:1

direct

 5:25 66:1 102:15,

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document

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Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 176

Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 44 of 54
Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

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Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 177

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

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EXAMINATION

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excel

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 178

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

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exception

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exclusive

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exclusively

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executed

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Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 179

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

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Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 180

Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 45 of 54
Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

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happening

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Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

happens

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hasn't

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 18,22 12:23 13:15

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 14,24 29:11,13

 30:3,7,15 32:9

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 39:20,22 40:12

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 21 61:5 62:1 67:9,

 18 68:24 69:2,10

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 12 75:16 76:5

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 24 98:21 99:11,14

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 15 102:16 103:5

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 112:7 113:5

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 16 129:25 130:3,

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 22 137:4,21 139:2,

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 20 141:18 143:9

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haven't

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having

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 130:7 149:19

he

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 25 22:1,3,5,8,17

 23:11,14,15,21

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 12 71:3,4,10,15,

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 5 139:22 143:16,

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 150:6,7,9,14,15,16

 151:2,5,9,11,12,

 13,14,19,22

 157:19

he's

 9:20 22:16,23

 114:8

head

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headsets

 30:7,9,11,13,15

Health

 12:15

Healthcare

 12:22 38:23 39:19

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hear

 53:21 139:11

 157:1

heard

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 149:2

hearing

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held

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 152:20

Hello

 60:6

help

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helped

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helping

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helps

 21:12

hence

 91:2

her

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here

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 129:4 131:4 132:8

 136:13 147:18

 154:17

here's

 147:15

herself

 31:10

hey

 70:15 76:5 131:25

 138:4

highlight

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 182

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

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him

 10:2,11,14,17

 23:17,19 24:1,22

 25:8 26:22 31:10

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himself

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hire

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hit

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Hola

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hold

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home

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hour

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 17 137:4,5

house

 76:15 132:5

houses

 71:24

how

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 19:1 20:2 21:25

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 24 80:8 85:5,7,15

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 112:5 113:13

 116:1,13 119:15

 121:3,6,23 132:10

 133:5,7,9,21

 135:19 137:7,13

 138:6 145:9,20

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 152:1,6 153:1

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However

 83:12

huge

 30:11

hypothetical

 89:5

I

I'D

 19:5

I'LL

 6:23,24 7:2,3,11,

 18 63:2,3,17 69:4

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I'M

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 15 10:6,10 12:22

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 15,20,22 56:4,5

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 65:14,25 67:3,24

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 74:6,9 75:18 78:13

 79:13 80:19 81:4,

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 83:1 85:23 87:18

 88:2,12 89:9 90:8,

 12 91:4,9 93:3,7

 96:4,22 98:10

 105:6 109:2 111:5,

 11,15 113:10

 120:4,9 121:3,9

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 126:10,17,18,22,

 23 127:12,20

 128:22 129:5,10,

 20 130:10 131:21

 132:8,23 133:1,9

 135:1 136:21,24

 137:3,24 140:25

 143:22 144:2

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I'VE

 69:8 98:11

ID

 94:4

idea

 121:23 124:12

 130:14

identified

 101:3

if

 6:17,21 7:9,16 8:1

 10:5 11:20,24

 13:17,23 21:20

 22:15,23 23:19

 25:20 26:18,24

 28:20,23 35:20,23

 36:3 37:18 38:3

 45:13,14,15,24

 47:16,20 48:2,21

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 51:1 53:3,17 57:21

 58:21 59:13,19,22,

 23 60:8,19 67:24

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 71:11,12 72:14,18

 73:6 74:20 75:9,14

 76:13 77:17,22

 78:3,10,14 83:9

 85:12 87:11 88:5,

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 183

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

 12,23 89:11,21

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 20,25 107:7,10,17

 108:8 109:10

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 147:11,17,19,24

 148:9 152:10,11

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Illinois

 97:19,20

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 71:23

imply

 21:19

important

 6:7 67:15,18 84:4

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 142:22,24 144:6

in

 5:7 6:18,23 8:10,

 13,14,15,17 9:20

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 26:15 27:1,3,7

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 32:1,13,15,23,25

 33:12,18 34:6,7,

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 61:22 62:24 63:12,

 22 64:9 65:11

 66:23 67:16,18

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 13 84:4 87:7 88:7

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 94:25 95:22 96:7,

 15,25 97:12,25

 98:22 99:10,13,15

 100:17 101:7,23

 103:16,18,20

 104:2,4,7,10,21,

 22,25 105:1,8,11,

 22 107:12 108:8

 109:15,18,24

 110:3,6 111:7

 112:8,13,15 113:8,

 11,22,23 114:1,6,

 10,13,22 115:4,7

 117:1,7,9,17,18

 118:1,4,7 119:19,

 20,22 120:1,16,23

 121:18,25 122:19,

 23 125:5,13,16,20

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 130:3,8,15,25

 131:4,25 132:6,8

 133:23 134:6,9,24,

 25 135:2 136:7,16

 139:15 141:13,17

 142:2,7,9,11,15

 146:1,3,20,23,24

 147:8,9 148:2,21,

 24 150:8,12

 151:15,21 153:16

 154:7,10,11 155:9,

 15,17 156:4

 157:25

inaccuracies

 156:23

incentive

 108:16 115:11

incident

 148:19 150:24

inclined

 67:24

include

 84:1 116:8

included

 67:19

including

 8:23 140:21

income

 146:11,21

inconsistencies

 157:5

Incorporated

 5:9

ind

 61:11

Indeed

 20:12

independent

 14:13,15,17 16:15,

 20 17:2,6,14 18:1,

 3,4,15 21:21

 22:12,16 28:25

 45:6,7,12 54:3

 55:6,7 56:13

 60:12,13,15 61:12,

 21 65:22 66:2,7,

 19,20,22 67:2,16,

 21 68:2,6,7,21

 69:1 70:9,16 71:5

 73:16 75:10 76:9

 79:3 80:12,14

 81:2,5 98:5 109:7

 118:9,22,23

 133:11 135:21

 137:8 153:7

indicated

 60:8

individual

 9:20 10:3,11 79:18

 80:4,10 111:23

 115:14

individually

 21:9

industry

 25:12 45:15 48:25

 103:20 105:11

inf

 54:17

influence

 7:23 8:5,7

inform

 43:13

information

 33:23 34:2 39:3

 42:3,6 43:22 44:9

 54:17 155:6

 157:25

informed

 56:24

initially

 70:11 79:18 80:10

inquiries

 13:18

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 184

Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 46 of 54
Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

inquiring

 45:13

inquiry

 13:15

inspect

 82:5

insur

 37:18

insurance

 11:12,14,15,16,19,

 21,23,25 12:3,5,

 14,15,16 13:10,14,

 19,21,23,24 15:13

 20:1,3,14,22 21:3

 23:15,18 24:8,11,

 12,15,19,20 25:1,

 2,10,23 26:18,25

 30:7 31:2,10,14

 34:8,13,19,22

 36:15 38:7,13,17,

 22,24 39:1,2,6,9,

 18 40:3,6,7,10,14,

 15,22,25 41:3,13,

 20 42:3,6,11,17,

 19,24 43:11,13,15,

 22 44:9 48:5,9

 50:13,17,19,23,24

 51:7,9 52:15 53:10

 74:14 77:18 78:2,

 12,15,18,25 83:19

 85:3,5,8,15 86:15,

 22 87:1,4,14,23

 88:12,18 89:25

 90:18,21 92:2,4,6,

 9,14,19,22,25

 93:4,18,20,22,25

 94:6,11,17,20

 95:1,8,18,21

 96:15,24 97:10,13

 99:19 100:21

 101:8 102:4 106:1,

 4,9 107:21,24

 108:1,2,3,8,10

 111:7,23,24,25

 112:10,16 113:3,9,

 13,23 114:2,5,10,

 17,21,23 115:5,6,

 13,25 119:1

 120:10 122:4,16,

 19 123:10,15,18,

 22 141:1 144:1,2,

 12,20,24 145:5,16

insured

 41:9

integrated

 30:4

interact

 43:6,7

interaction

 43:3,4

interest

 156:4

interested

 24:25 46:17

internally

 51:23

internet

 76:16

interpreting

 132:9

into

 22:14 26:25 31:17

 43:22 45:10 54:25

 57:13 63:5 76:25

 81:13 88:9 91:8,

 14,24 96:14

 115:17,18,20,21

 117:22 119:12,17

 120:7 124:8,23

 125:8 126:20

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introduce

 5:14

invited

 149:8

involved

 53:6 118:20

 139:15

involves

 157:6,8

is

 5:5,11,12 6:10,14,

 22,23 7:8,21 8:19,

 22 9:5,18,19,22,24

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 16 12:3,16,21

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 17:5,20,22,23,24,

 25 18:7 19:7,16

 22:11,12,18 24:8

 26:12,14 27:21,22

 33:3,22,23,24

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 38:11,24 39:19,23,

 24 40:23,25 41:10,

 17,25 45:13,18,19,

 20 49:16,21 50:3,

 20 51:6,20 52:11,

 15 55:8,10 57:25

 58:8,11,16,19

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 20,25 63:3,8,9,13,

 17,22,23 64:9,10,

 25 65:3,6,7 67:5

 68:10 69:9 77:21

 79:12,14,16,17

 80:22,23 81:18,23

 82:2,6,16,17,21

 83:25 84:14,15,17,

 19 85:12,19,20

 86:3,20 87:1,3,4,

 19,22 88:1,4,20

 89:3,23,24,25

 90:6,22 91:2,13

 92:5,10,15,16,18,

 19,23 93:3,17,20

 94:10,13,16,17

 95:7,19 96:8,9,12,

 24 97:4,19 98:12,

 14 99:16,21

 100:16 101:1,19,

 21,25 102:14,15,

 19 104:15 105:10,

 18 106:5,12,20,25

 108:5,7,9 109:3

 111:1,2,15,18,19

 112:6,9,10,14

 113:2,3,7,14,22,25

 114:2,4,18 115:1,

 15,24,25 116:1,6,

 25 117:9 118:7,12,

 22,25 119:5,7,19

 120:16,25 121:22

 122:4,10,12

 124:11,25 125:5,

 14 126:7,23 128:1,

 5,13,25 129:1,3,8,

 19,21 130:1,5,14

 131:21 132:4,5,9

 134:17,20 135:3,5,

 9 137:20,21

 138:13,17 139:16

 140:9 141:25

 143:2 146:23

 147:2,3,22 152:10

 153:24 154:1,14,

 18 155:2 156:3

isn't

 87:25

issue

 13:17 40:8 93:24

 96:20 130:8

issued

 87:8 88:6 93:17,20

 102:20

issues

 149:20

it

 6:20 9:24 10:1

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 185

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

 12:2 13:17,22,25

 14:6,12 15:10,12,

 13,14 19:7,16

 20:12 23:7 27:25

 29:8 30:22 31:6,11

 32:3,10,11 33:17,

 18 35:16 36:9,14,

 21 37:10,14 38:23

 39:16,17 40:13

 41:12 42:25 43:18

 44:3,13,17 45:14,

 25 46:12 47:18,21

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 17 56:7,9,14,15

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 58:1,8,13,14 60:6,

 19,20 61:17,19

 63:9,15,22 64:1,5,

 13 65:13,21 67:14,

 17 69:7,10 70:7,18

 71:22 72:2 73:1,

 18,19 74:11 75:25

 76:1,4 77:9,21

 78:3,8,20 79:11,

 17,24 80:7,19

 82:10,13,14,24

 83:15,16,18,23,25

 84:1,4,15,17,25

 85:14 87:21 88:4,

 7,20 89:13,21

 90:6,15 91:15,18,

 25 93:1,18 94:2,

 18,21,22,25 95:6,

 7,18 96:7,16,18,23

 97:18,24 98:13

 99:15 100:17

 101:3,6 102:2,4,9,

 16 103:11,24,25

 104:21,23 105:9

 106:9,13,15,19

 107:2,4,22,24

 108:6,16 109:9,20

 110:16,22 111:4,5,

 11,12,14,15,18,19

 112:2,11,13,14,21,

 23 114:8 115:4,17,

 19,20,21,22

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 118:19 119:8,10,

 15,17,19,20

 120:10,15,22

 121:4,6,10 122:10,

 16,17,18,21,22

 123:11,25 124:1

 125:25 127:3

 128:7,8,9,23

 129:12,14,18,24

 130:7,12,14

 133:11,16,21,23

 134:20 135:12

 136:5,18,22

 137:18,20 138:1

 139:25 141:11,18,

 19 142:21 144:6

 146:5,7 147:24

 149:2,9,10,18,21

 150:1,7,18 151:3,

 20 152:12 153:16

 154:1 155:11,12,

 13,18 156:3,25

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 158:6

it's

 7:17 11:12 12:5,12

 27:18,20 30:5

 31:12 32:17 33:1,

 25 36:13 39:19

 45:21 46:11,12

 52:19 63:14 74:3,5

 82:19,22 83:25

 84:23 85:21 91:15

 92:19 93:5 95:20

 100:17,23,24

 102:22 106:5

 110:25 111:6,21,

 22 115:1,6,11

 116:5,20,22

 120:23 123:7,23

 126:24 127:15

 128:24 130:24

 133:12,15 136:13

 137:15 138:22,24

 141:18 143:11

 147:20 152:14

 157:10

its

 20:2 24:15 25:10

 53:24 141:10

itself

 48:4 65:12,23 92:4

J

January

 89:6,12 104:19

 107:23 113:22

 138:24

Jennifer

 14:23,24 16:8

 58:6,17 128:18,21,

 25 129:9 130:12

 131:12,20

Jennifer's

 131:8

jmanjarres@

avantassurance.

com

 58:9

job

 15:17,20 19:24

 24:5,6 38:12

 52:20,22 116:5

 145:10

jobs

 10:22 28:11

 142:18

joining

 26:10

Julius

 74:23

July

 58:14 60:8,16,19

 65:24 66:23 67:16

 125:14,17,25

jump

 6:21

June

 125:1,14,17 128:9,

 21 129:8 130:13

just

 6:5 7:11,23 8:3,10

 9:18 10:7,12,17

 16:7 17:22 22:1,5,

 6,17 25:11 27:15,

 25 30:5 31:1,16

 32:10 34:1 38:12

 39:13,25 40:15,20

 41:3,10 42:9,13

 47:1 52:15 54:5,16

 55:8,22 56:7,9,15

 57:16,20 58:18

 60:5,14,16 61:7,10

 62:5,21 63:2,17,18

 65:15 66:11 69:14

 70:8,14 72:18

 73:5,14 74:6

 80:18,24 81:4 82:7

 84:6,15 87:19 89:4

 90:4 91:4,7 96:6

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 15 107:9 108:14,

 17 111:19,20

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 118:5,6 119:18

 120:4 121:9

 123:23 125:10

 127:2,8,16,25

 128:23 130:4

 132:13 133:19,20

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 186

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

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 138:4,15,20

 140:25 143:20

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Katrina

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Katrina's

 131:3,5

keep

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keeping

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Kendall

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 7,11

kept

 77:23

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 72:4 73:2,6,7,12

 120:20

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 30:20

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 73:3 120:24

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 108:7

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 28:25

known

 33:24

L

L-E-D-S-M-A

 16:12

lack

 114:9

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 60:6

language

 121:3

laptops

 27:10,12

last

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 137:1

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 117:3

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 25:5 26:19

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 27:24 142:6,10,15

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 142:3,4

least

 137:25

leave

 72:15 135:19

 136:18

leaving

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 187

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

 71:24

led

 70:17

Ledsma

 16:3,4,12 17:1,3,5,

 12,17 18:10 64:16

left

 77:3 121:14

 124:17 127:21

 149:10,11

legal

 33:1,3 60:21,23,24

 61:11,18

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 57:25

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 15:1 94:22 109:20

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 67:3,5

line

 6:13,14 37:20 38:2

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 12:23 116:4

listed

 109:24 110:3

listen

 11:22 80:24

 143:12

little

 6:14 7:23 57:16,24

 63:14,18 86:1

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located

 23:3 32:5,7,12

log

 39:15 119:12,20

logged

 119:19,22

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 119:17

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 122:18

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 119:20

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 11:3 14:25 72:14

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 18,19,20,22 94:18

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looked

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Lopez

 5:8 54:7,8 55:11,

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loss

 88:21

lot

 6:17 51:13,15 69:9

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 158:11

lunch

 72:19

M

M-A-N-J-A-R-R-ES

 16:9

M-O-N-G-E

 59:3 63:22

Madam

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 188

Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 47 of 54
Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

 126:12

made

 17:1,2 41:11 42:1

 49:4,6 50:24 88:21

 99:12 107:14

 110:16 150:18,21

 151:3

magic

 91:10

mail

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 100:6

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 69:15 70:2 120:16

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 106:6

majority

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make

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manager

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managers

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manages

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managing

 126:8

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 130:25

Manjarres

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Manjarres'

 15:17

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 156:4

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 13:10 19:1 33:12

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 96:3 113:24 114:1,

 6

Maria

 154:3

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mariana62@

gmail.com.

 64:3

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 54:20 120:5

 125:11

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 57:18 96:20

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 95:20

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 126:10,18,23

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 116:16

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 32:10 43:23 54:13

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mdmc0130

 58:17 59:16

mdmc0130@

gmail.com

 64:13

me

 6:5,21,23 8:1 9:22

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 14 70:21 73:1,6,18

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mean

 7:17,25 11:10

 16:17 22:10 23:22,

 23 28:15 31:9

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 103:18 105:24

 106:11 107:6,25

 108:15 109:12

 112:24 120:24

 122:6 127:16,20

 129:21 133:1,8,20

 134:22 139:17

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 189

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

 143:2,9,11,24

 144:8 146:10,11

 147:10,15,16

 152:10,15 156:3

meaning

 27:23 110:17

 112:25 128:8

 151:24

means

 38:6 51:2 82:13

 88:8 95:14 115:4

 129:16

meant

 108:2

measured

 106:1

mechanism

 115:6

medical

 97:9

meet

 110:10 134:4

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 131:10,13 148:21

 150:15,16

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 109:10

member

 87:10,14 88:9 93:5

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 97:12 107:1,5,7,10

mentioned

 22:9 30:1,22 31:21

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mentioning

 91:10

message

 151:13,16,20,21

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 133:23

middle

 8:23 33:18 71:23

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 6:19 7:1 19:16

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 145:4 147:19

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 8:7

minute

 62:8

minutes

 86:3 152:16

mirror

 106:10

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 131:16,18

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 118:3

missing

 117:25

Monday

 56:19 120:18

 125:20

money

 71:12,13 88:24,25

 89:2 90:11,17 95:3

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 6 149:22

Monge

 58:24 63:22

monitor

 119:5

month

 77:3,9,13 88:21,23

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 12,15 125:23

 138:24 144:16

monthly

 28:1,5 88:19

 89:18,19 143:7

months

 104:14 116:19

more

 19:7,9,12,14 42:7,

 9 43:1 44:3,14

 46:17 57:25 65:10

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 13 88:23 89:24

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morning

 5:3 6:2 72:25

 130:13

most

 6:7 35:25 36:5

 67:3,5 72:2 75:8

 102:2,22

mostly

 20:4 45:6 102:16

mother's

 22:23

mouse

 30:16

mouses

 30:17

mouth

 24:16

move

 58:13 127:2,9,10

moved

 73:11 76:24

moving

 64:1 96:17

Mr

 5:16,18 6:1,2 9:18,

 22,24 10:1,4,6,12,

 16,18,19 16:10

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 19 63:6 67:12,13

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 19 156:13,14,15,

 18,19,21 157:2,14,

 17,20,21,23 158:3,

 4,11

Ms

 15:2,17 17:1,3,5,

 12,17,23 18:9,10,

 15,19 44:25 56:3,

 12,24 64:10 66:1,6

 73:21 75:6,9,19

 76:9,24 77:18,22

 78:1,21,24

much

 28:25 78:9 85:16

 87:13,16,19,20

 88:2,16,17 89:19

 98:7 106:10 116:1

 119:3 142:19

 146:1 155:16

multiple

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 190

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

 31:24 32:11 68:13

 70:12 95:8,15

 139:6

multiply

 116:6

must

 94:25

mutual

 70:18,19 150:7

my

 6:11,24 8:14 12:23

 15:22 22:12,23

 48:2 49:3 52:3

 53:13 63:1 64:21

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myself

 7:2

N

name

 8:23,25 11:16 12:3

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 16 58:23 59:10

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 11 116:22 124:2

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named

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 24

names

 12:18 63:16

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National

 101:2

nature

 6:18

NDA

 60:13 61:21

necessarily

 7:17 100:24

 135:21

need

 6:13 11:13 24:11

 26:22 27:2 34:13

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 8 42:2 43:5 57:21

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needed

 43:3 105:22 140:1,

 4,6 145:11

needing

 130:15 131:4

needs

 31:10 132:1

negotiation

 84:14,17

never

 23:17 53:16 56:4

 67:1 103:24

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new

 43:16 86:23 107:4

 115:5 150:6

newly

 60:16

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 45:15

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 36:9 38:24 40:2

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no

 6:4 7:18,23 8:1,7,

 18 10:16,25 12:5

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 23 59:11,17 64:15

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 12 121:12,25

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 24 138:8 139:10,

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nobody

 93:17 110:9

 121:20

non-

 7:10

non-disclosure

 55:6

normally

 8:2,4 117:4

Northwest

 9:8 12:12

nos

 7:16

not

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 25 60:1,19 65:14,

 25 66:10,11,12,15,

 24 67:3,6,11 68:5,

 6,23 69:14 70:23

 72:7 73:5 76:17

 77:8,10,12 78:15,

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 191

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

 19 79:18,22,23

 82:2,3,5,6 83:1,25

 84:1,17 89:9 91:9,

 15,18 92:19 93:3,

 4,7 94:10 96:4,20

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 25 107:16,17,19

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 24 131:15 132:10,

 14 133:1 135:1,16

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 140:22 143:11,22

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 24 157:14,15

notes

 157:16

nothing

 41:15 43:14 45:17

 88:22 118:1

notice

 10:11

noticed

 9:25 10:13 128:1

 129:18

November

 9:4 104:16

now

 5:3 12:24 17:5,10,

 24 18:7 22:25 24:4

 25:13 26:15 27:11

 28:12 30:22 31:21

 33:19 34:2 35:23

 36:4 38:17,22

 40:11 41:10 42:19

 44:23,25 50:13,22

 54:22 55:19 57:10,

 15,18,25 58:1 59:4

 61:3 63:2,3 64:10,

 12 65:8 70:8 73:14

 76:8 77:15,17

 78:17 80:20 81:6,

 10,16,25 82:12,19,

 24 83:6 84:7,14

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 89:15 90:3,16

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 17 99:15,22

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 19 126:11,17,23

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 152:12 154:17,22

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NPN

 101:1,5,8,13,15

number

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 22 136:21,24

 137:19,23,25

 138:14,20,22,24,

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 192

Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 48 of 54
Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

 25 139:22 140:12,

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 24 110:22 112:7

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Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 193

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

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 154:19

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 194

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

outside

 61:11 122:15,17

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 54:12,13 82:17

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 17 80:4,9 81:1

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person

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Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 195

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

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person's

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Personality

 149:20

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 147:4

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previous

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Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 196

Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 49 of 54
Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

previously

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 125:19 137:11

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primarily

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 20

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 15 99:18 114:18

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 26:2,4,5,7,11,12

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 143:3

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 121:3

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 157:6

prophet

 51:15

proprietary

 33:22 34:2

prospect

 31:6,9,11 39:3,6

 41:7,8,16 42:4

 49:14 51:11

prospect's

 41:17

prospects

 46:22

protect

 47:1 48:4,17,22

protocol

 130:15 131:4,5

prove

 114:20

provide

 7:7,9,12 29:21

 34:12 115:8

 132:11

provided

 26:14,15 27:13

 35:24 36:5 62:24

 63:11 82:8 141:12

provides

 25:23 35:11,14

providing

 32:3 92:11,15

public

 33:24 101:10,11

pull

 35:23

pulled

 36:3

purpose

 48:15 98:15

put

 29:8 63:2 90:6

 157:24,25

Q

qualified

 110:11

qualify

 113:24 114:3

question

 6:13,19,23,24 7:3,

 4,11 8:19 11:21,22

 17:4 21:1 24:7

 26:22 29:7 30:25

 34:9,20 35:1 36:1

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Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

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 40:4,16 44:22

 47:19 48:1 49:3,6

 50:16 61:10,16

 66:5 77:25 80:24

 92:12 93:9 104:3

 105:6 106:7,15

 108:22 109:1

 113:13 128:5

 138:16 139:16

 140:24 144:4,5

 147:7,19,22

 152:11

question's

 85:7

questions

 6:11 10:8 60:9

 131:11,13 145:1

 148:2 156:13,14

quick

 152:8

quickly

 96:6 148:6 152:9

Quintero

 5:10 44:25 53:18

 65:4

quit

 138:15,21

quote

 59:1

R

R-A-D-I-U-S

 27:19

Ra

 152:24

Radius

 27:18,21 28:5,7,14

 29:3,5,8,12,19,21

 37:19 38:1,3

 39:12,18 40:3,14

 41:10,12,14,25

 42:1,20 43:12

 50:14 51:8 91:8

 98:12,14 100:1

 102:12 119:12,16,

 20 140:9 141:10

Rafaela

 5:8 54:7 57:6 68:1,

 4 69:20 73:15,19

 75:3,6 78:17 80:1,

 8,25 144:11 145:3

 152:6,25 153:1,5,

 18 154:4,20

randomly

 70:15

rang

 30:23

re-ask

 61:10

reach

 37:12,16

read

 57:21,23 58:1

 61:25 65:18 88:5

 126:24 128:12

 156:21,23 157:2,4,

 10,14,17,18

reading

 157:19 158:13

reaffirmed

 151:22

really

 22:18 90:12 96:6

 118:24 123:19

 133:21 136:12

reason

 7:22 56:8 150:17

 151:8

reasons

 140:22,23

recall

 12:18,20 15:10

 16:25 20:9,13 23:6

 28:15 33:11,15

 44:4 46:5 53:7

 55:16 57:8 66:24

 67:11 70:18 71:8,9

 77:2 78:17 83:3,11

 94:13 98:25 104:9

 109:25 110:4

 125:3,18 132:21

 134:5 136:5,19

 146:5 153:13

receive

 25:19,20,21 37:25

 50:14,17 51:9 84:8

 85:9 86:23 87:15

 89:20 91:3 95:15

 96:21 99:19

 100:15 105:3,16,

 19 108:8 109:5,22,

 23 110:5,7,18

 111:9 112:15

 114:19 116:2

 154:23 155:21

 156:1,9

received

 47:25 56:19,21

 82:13 95:7 99:2

 102:17 107:12,17

 108:24 110:8,14,

 20 111:4 112:7,8

 113:8

receives

 114:16

receiving

 56:14 87:20 94:19

 98:23 108:20,24

 113:15

recent

 26:9

recognize

 58:3 64:3,17,20,23

 120:11 121:13

record

 5:4,15 17:22

 54:23,25 57:11,13

 62:13,15 63:5

 81:4,11,13 86:11

 90:22 91:2 93:11

 94:16 98:11 99:5,9

 101:10,11,24

 116:9,11 119:12,

 25 120:7 124:6,8,

 23 125:8 126:18,

 20 134:14 141:22

 152:21 154:14,16

 155:2 157:24

 158:9,10

recorded

 48:23

records

 134:9,10,16

recoup

 88:22

recruit

 20:2

reevaluate

 138:6

refer

 34:25 91:23 95:23

 96:11 114:25

 146:17 154:18

reference

 102:11

referrals

 20:4

referred

 73:23 106:16

 129:4

referring

 8:6 27:4 54:6 55:8,

 12,14 63:19 66:21

 81:4,9,18 91:5,12

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

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Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

 105:10 111:20

 112:13 118:17

 129:9 130:18,23

 131:3,6 150:11

refusing

 137:9

register

 14:3

registered

 122:12

registers

 50:14

regular

 40:11 100:6

regulatory

 119:2,6

reinforce

 52:20

Reinier

 5:1,7,9,22 8:24

 58:17 59:21 60:9

 64:19,20 156:22

reiterated

 70:12

related

 56:17 139:16

 140:22

relationship

 22:1,4 23:23 45:7,

 16 77:21

relevant

 147:9

remain

 94:17

remember

 8:20 13:9 44:4,15,

 17 55:13 61:25

 69:18 73:13,20

 74:10 77:13 79:10

 83:9 91:7 104:6

 131:12 134:8

 136:14

remind

 7:12 8:18 61:7

remote

 32:10

renewal

 107:4

rep

 9:23 10:8

repeat

 6:24 7:3 34:20

 48:1 50:16 66:5

 108:22

rephrase

 35:1 37:24 85:6

report

 119:10

Reporter

 5:3,12,20 6:9,10,

 22 7:7,10 8:10

 16:8 61:8 62:13

 126:12,14 156:25

 157:18,22 158:8

Reporting

 5:13

reports

 143:3

representante

 33:1,3

representative

 9:19 47:23

reprimanded

 137:1

request

 68:11,12,14,16

 70:9,12,17 73:15

 79:2 82:15 116:8

requested

 68:21 79:21 80:1

requesting

 68:25

require

 28:18 47:13 49:1

 93:18 98:6

required

 20:21 36:12 40:24

 41:1,2 46:11 48:25

 119:11 142:6,10,

 14

requirement

 110:25

requirements

 105:21 110:21

requires

 111:7

res

 56:20

reserve

 95:18,25

reserved

 158:14

residential

 9:6

resignation

 151:18

resigned

 125:20,24 150:10

 153:10

respectful

 6:8

response

 7:7,10,12 56:13,

 19,21 131:9

responsibilities

 15:20

responsibility

 106:13 107:2

responsible

 13:18 20:10 47:16,

 17,21 106:14

 126:7

rest

 74:4,11 85:24

restroom

 72:20 152:9

results

 143:14,15

resumed

 62:16 86:12

 152:22

retention

 105:25 115:6

returned

 77:6

returns

 146:19

review

 60:7

reviews

 143:6,7

Rey

 131:9

ride

 39:15

right

 6:5,7 7:1,4,6,15,21

 8:2,9,13,22 9:6

 10:2,17,19 11:13

 12:23 14:5 16:7

 19:19 21:21 22:10,

 13 23:2 24:1,4,9,

 12 26:23 27:21

 31:13,21 33:19,20,

 25 34:2,5,21,24

 36:14 39:25 40:9,

 10 41:21,24 42:21

 45:18 46:15 48:13

 49:15 50:5 51:11

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

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Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

 52:11 53:23 55:5

 57:17,19 58:3,5,13

 59:14,15,24 61:20

 62:18 64:6,7,16

 65:6,8,19,21 66:25

 67:20 69:12 73:14

 74:9 75:2 76:1

 77:15 79:2 80:19

 81:10,20 83:12,14

 84:3,7 85:3,13,14

 86:7,14 87:18

 88:14,16 89:4,7

 90:3,4,5,16 91:20

 92:8,22 93:2,4,10

 95:19,25 96:4,17

 97:23 98:3,9,21

 99:16 100:19,22

 101:3,17 102:3,23

 105:8,18 109:8,10,

 22 111:9 112:8,11,

 18 113:7,18

 115:10,12 116:24

 117:14 118:21

 119:4 120:4,5,15

 121:13 122:3

 124:5,21 125:11,

 21 126:1,17,22

 127:22 128:11,20

 131:8 133:16

 136:7 142:20

 143:4 146:16,23

 148:4 152:5,13

 153:23 154:10,22

 156:8,15,18,19,21

 158:5

ring

 30:23 64:14

rings

 29:24 31:4 38:4

Rodriguez

 74:22 75:17,18

 78:23

role

 130:1

roof

 132:6

room

 85:24

rows

 155:14

rules

 6:6,7

runs

 21:7

S

said

 9:1 12:25 17:5

 23:20 24:25 42:2

 46:12 48:3,8 50:22

 55:21 56:3,14

 63:21 64:10 65:9

 70:24 71:11 74:10

 75:15,21 76:1,16

 78:22 87:21 91:8

 94:21 95:25 98:17

 99:15 101:20

 108:3 123:18,21

 131:9 132:23

 136:14 137:3

 139:13 143:23

 144:18 153:22

 154:23 157:11

salary

 102:25

sale

 38:18,25 41:11,14

 42:1 43:9 50:14,

 15,18,19,22 51:2

 53:25 54:11 83:15

 86:17 88:3 94:10

sales

 14:5 17:11 18:8,9,

 19,22,23,24 19:19,

 22,24 21:13 24:11

 25:14,17,25 26:1,

 15,20,25 27:6

 28:17,19,21,24

 29:6,8,10,12,13,

 15,16 31:2 36:8,10

 38:10,12,15,18,20

 39:7 40:2,13,17

 52:25 53:8 59:7

 63:24,25 64:7,10,

 12 66:3,8,14 67:15

 88:13,17 98:23

 130:8 142:23

 143:4,10 145:20

same

 6:9 7:1,15 18:10

 30:5 35:20 37:15

 51:11 58:21 59:22

 63:14 65:3 67:23

 69:7 78:2,11,18

 80:2 83:23 84:1,

 23,25 88:17 91:1

 94:14,15 95:15

 96:8 97:14,21

 106:22 115:15

 116:16 117:16,17

 130:12 143:24

 144:5,7 152:2

sample

 111:6

Santiago

 5:18 61:17

SAS

 32:17,18,22 33:8,

 13,20 34:11,15

 35:2 36:7 37:2,9,

 11

save

 147:23

saw

 23:17,19 100:13

 108:20 128:4,7

say

 7:8,16 8:4,8 13:12

 15:14 19:8,16 20:6

 31:9 34:7 36:13,

 14,21 38:15 39:4,

 19 42:8,17,20

 48:5,18 49:18,19

 56:16 59:24 60:1

 61:3,4 62:4 63:13

 67:24 71:5 72:16

 73:15 74:23 81:25

 84:19 87:7,19

 89:4,15 91:9 92:15

 100:20,21 103:18

 105:9 109:2 110:1,

 16,25 113:19

 114:24 123:9,11,

 13,14,15 129:21

 132:4 134:23

 135:4 136:6 138:4

 139:3 140:5

 141:21,25 154:17

 158:4

saying

 10:6 22:5,15 34:1

 47:2 56:3,10

 70:14,15 72:18

 78:7 83:9 89:9

 90:16 91:15 92:18

 108:7 110:13

 120:24 121:9

 130:24 131:25

 133:10 137:24

 151:13 153:24

says

 40:18 51:15 55:6

 57:23 58:8,14,15

 60:6,11,13 62:23

 64:2,22 65:13,19

 82:10,24 88:4,7

 92:9,14,16 94:25

 95:6,18 96:7,18

 97:18 103:11

 107:4,20,22,24

 109:9 112:14,20

 120:10,22 122:16,

 17 125:5,13

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 200

Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 50 of 54
Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

 128:25 129:18

 130:14,19

scares

 82:1

schedule

 71:10,16 72:8

 88:15 90:1 117:1

 121:4,15,21,23

 124:10,12,18,25

 125:5,13 128:17

 130:16,18 131:14,

 15,23,25 136:23

 137:10

scheduled

 137:4

screen

 55:20 57:18 62:1

 80:20 81:16 112:7

 127:9

scroll

 81:21 127:18

second

 10:1 16:7 51:20,

 21,24 55:9 62:5

 74:6,9 80:24 84:4

 95:17 98:10

 125:10 126:24

secret

 34:3

see

 8:1 24:1 37:5 50:3

 51:3 52:6 55:3,19

 57:17,20 58:18

 59:13,19,22 60:10

 62:3 63:13 64:2

 65:10,15 74:25

 80:19 81:15 83:21

 90:15 96:22,25

 99:20 103:10

 106:17,23 111:14

 120:15,19 124:10

 127:3 128:8 129:7,

 10 130:11 138:6

 139:21

seeking

 112:25

seems

 64:19 104:21

 108:6

seen

 128:6 140:14

selected

 39:3,6

sell

 12:14 13:21,23,24

 20:1 24:12 34:8,19

 38:12,21 41:20,22

 42:14 51:25 53:10

 71:11,12 98:8

 104:24 107:10

 108:1 109:4 138:9

selling

 23:15,17 29:1

 34:21 76:20 109:3

 113:23,25 114:4

 143:12

sells

 51:24 91:1 114:5

 130:6

send

 13:15 23:7 44:8

 66:1,6 69:4 93:25

 94:2,3 100:9

 111:5,12 115:13

 119:6

sending

 13:18 127:15

 131:20

sends

 40:10 100:5

sense

 75:20 93:10

sent

 56:9,12,18 58:5,15

 66:23 68:20 69:7

 100:10,14 111:19

 116:10 129:1

 151:12,17,19

sentence

 95:18,23

separate

 113:12

September

 104:12,13 136:14

service

 43:10,17,18,25

 44:6,19 47:23

services

 115:9 132:11

set

 85:21,22 131:10,

 12,23

sets

 86:16

setting

 8:14,17 15:22 32:9

 71:19 76:20 148:2

shake

 7:9

she

 14:25 15:4,19

 16:6,14,17,20,22

 17:6,8,10,12,15,

 17,21,25 18:1,3,4,

 6,16,18 44:18,20

 45:3,5,6,10,11,12

 55:11,24 56:5,7,9,

 10,14,15,16,21,25

 63:23 65:3,7 68:1

 70:4,6 73:15,21,23

 75:5,11 76:13,14,

 15,16,23,24 77:3,

 4,5,6,7,8,10,12,19,

 20 78:3,6,8,18

 79:1 110:11

 125:23 129:24

 130:5,14,21 131:9

 135:10,12,13

 144:14,15,18,21

 145:15,20 153:5,8,

 9,10,20,22

she's

 14:24 16:16 17:8,

 11 18:8 58:24

 59:5,7 63:23,25

 64:12 129:23

 130:18,23

Shields

 97:25

shirt

 141:18,21,25

shirts

 141:15

short

 25:17 62:14 86:10

 134:9 152:20

should

 69:2 93:1 102:2

 134:16 147:11

show

 22:1 54:20 57:9,10

 63:3 72:14 81:9,10

 112:1 117:5 120:4

 124:5 126:10,17

 133:19 145:24

showed

 22:5 61:22 80:15,

 22

showing

 54:22 56:4 57:15,

 17 62:19,20 80:20

 81:16 120:9

 124:21 125:4,6

 126:23

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 201

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

shows

 116:1 154:19

side

 42:11 43:2 63:2

 121:14 124:17

 125:15

sign

 17:15,18 18:19

 40:22,24 41:1,5,9

 47:14,17,20 48:6,

 8,21 50:12 54:14

 55:11 56:7,9 60:7

 66:22 67:15,21

 68:1,5 91:17,18

 93:14,15 122:15

 134:12,15

signage

 122:18

signature

 93:1,14,19

signed

 39:20 46:13,19

 50:7 54:15 56:4

 67:1,3,6,9,24

 85:17 89:11 94:6

 106:12 134:17,20

 135:2

signing

 41:4 46:21,22 56:7

 94:19 158:13

signs

 89:6 93:16,17 94:9

silly

 22:15

Similar

 100:13

simple

 85:13 116:17

 130:6

simply

 129:1

since

 11:4 14:18 18:18

 35:21 104:1 136:7,

 13

single

 45:4 67:9 108:18

sit

 31:3 139:7

sitting

 143:12

situation

 51:6 93:2

situations

 51:5

six

 116:19

skills

 76:22 142:20

 143:12

skillsets

 36:13

slipped

 69:10

sneezing

 8:1

so

 6:5,7,9,13,17,21,

 23 7:3,9,11,18

 8:13 10:2,14 12:3,

 25 13:15 14:14

 21:20 22:3,5,18

 23:20 24:1,6,17

 25:4 26:10,13,23

 27:8,10,15 29:14

 30:1,20 31:1,2,4,

 13,16 32:11,23

 33:25 35:18 36:24

 37:1,5,14,18

 38:20,22 39:2,5,25

 40:1,9,13,17,25

 41:3,8,10,16,24

 42:21 43:18 46:11,

 20 47:4,24 48:7,

 20,25 49:3,9 50:2

 51:1,4,5,16 53:1

 54:5,6,9 55:7,10,

 23 56:12 58:18

 60:10,14 61:7,9

 62:18,23 63:2,11,

 17,21,23 65:8,21

 69:9,10 70:7,25

 71:13,23 72:10,22

 73:23 74:9,13,22

 75:2 76:4,23 77:21

 78:4,19 79:16

 80:7,23 81:6,8,9,

 15 82:1,4,7,16,17,

 20,22 83:16 84:3,

 10,19 85:12,14

 86:14,22 87:11,18,

 22 88:4,8,11,19,20

 89:4 91:11,13,24,

 25 92:2,4 93:10,15

 94:9,16,22,24

 95:14,22 96:24

 97:12,23 98:9

 99:14,18 100:1,4,

 19 101:25 102:7

 103:9 104:1,21

 105:7 106:3,9,11,

 15 107:3,7,12,16,

 24 108:3,6,8

 109:2,10 110:24

 111:9,25 112:20

 113:18 114:24

 115:3 116:13,15,

 20 119:16,19

 120:9,16 121:13

 123:14 126:15,22

 127:1,3,8,12,20,25

 128:5,8,15,24

 129:14 130:3,5,7

 132:8 133:11,15,

 23 134:12,23

 135:16 136:12,14,

 15 137:2,8 138:13,

 22,24 139:2,17,22

 140:8 143:6,12

 146:23 147:6,19,

 22,23 149:6,13,23

 150:9,15,18

 152:11 153:3,12,

 18 154:9 155:8

 156:4,5,6

software

 27:13,24 28:2,8,

 10,13 42:22

sold

 47:14 51:10 89:1,

 25 90:18 94:14

 97:7 98:12 99:20,

 23 100:2,22,24

 101:18 106:16

 107:7,17 109:17

 113:20 114:2

 116:14

soliciting

 66:13,15

some

 6:5 22:15 23:2

 25:16 27:9 30:9,

 11,12,17 31:18

 32:10 38:22 40:22

 52:21 56:7 66:10,

 11 69:9,17 70:16

 88:24 98:18 101:7

 110:7 114:13

 125:20 130:8

 133:18 141:4

 144:15 156:23

 157:4,24

somebody

 11:18,20,22,24,25

 31:13 58:15

 123:25

something

 71:6 74:5 96:9

 112:10 119:8

 127:4 131:24

 132:6 154:18

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 202

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

sometime

 56:2 71:18 72:16

 73:1 119:18

 147:24

sometimes

 7:1 31:16 41:18

 45:16 49:4,9,10

 94:4 101:25 116:3

somewhere

 19:16 50:2 78:11

 123:17 137:25

soon

 114:9

sorry

 17:2 20:6 34:25

 39:4 53:21 60:2

 74:6,9 75:18 79:14

 85:7 86:8 88:2

 93:3 129:20

 132:23 139:11

 141:23 143:22

 144:2 145:4 147:3

 154:4 155:24

 157:1

sounds

 110:17 129:14

source

 29:20

space

 142:2,7,11,14

Spanish

 33:1 47:5 69:10,

 16,19,21 70:2,3,7

 120:16,17,23

 121:6

speak

 6:9 37:21 69:23

 75:17,18 147:16

speaking

 36:15 38:7 90:5

 139:17

special

 96:1,7,11

specific

 36:12 143:1

specifically

 111:15 154:3

specifics

 83:3

spell

 8:25 15:14 58:25

spelled

 17:23

spelling

 59:1

spoke

 51:19 69:21

spot

 75:16 76:5 149:9

spreadsheet

 28:16,18,22,24

 98:20 155:13

spreadsheets

 98:18,19 155:10

stamp

 62:21,24 63:7,10

 82:16

stand

 103:12

standard

 49:1 66:3 113:5

standards

 60:12,15 65:22

 66:8

standing

 105:22,24 111:8

 114:22

star

 96:22 112:14

stars

 96:19

start

 6:17 22:2,14 25:19

 27:1,3 46:4 58:18

 63:18 70:21 73:4

 79:22 117:23

 119:13 127:2

 128:22 133:5,19,

 20,21 134:6,10,24

 136:15 137:12

 145:23

started

 6:6 8:22 15:4 22:6,

 17 24:4 25:3 70:20

 73:21 75:3,5

 135:6,11,12 145:8,

 21

state

 62:25 89:22 119:1

stated

 129:2

statement

 49:19 94:7,11,20

 100:11,12,15,20

 101:5,19 102:1,4,

 8,20 116:21

statements

 79:17 115:16

 116:21 157:5

states

 34:19,22 98:1

station

 139:4

stations

 139:6

stay

 72:5 137:13,19

stays

 41:12 89:15

step

 36:9 38:24 42:13,

 14 72:18 102:7

stick

 84:7

still

 28:7 31:12 40:16

 44:21,23,25 55:20

 58:11,12 59:4,5

 64:13 68:7,24

 74:13 77:22 83:12

 96:15 106:13,18,

 20,25 108:20,24

 111:1 113:22

 136:1 147:19

stop

 7:2 46:6 98:9

 127:20

stopped

 46:8 144:15 156:2,

 10

store

 74:4

stretching

 76:21

structure

 83:13 84:9,16 85:5

stub

 79:16

stubs

 79:15

substance

 60:6

successful

 38:16

suing

 63:1 103:4,6

 146:24 147:2,3

Suite

 12:12

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 203

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

summary

 155:16

super

 96:19

supplies

 15:23,25

supposed

 82:19,21,22 98:23

 116:1,7

sure

 12:22 14:4 15:23

 18:11 21:18 26:9

 33:22,25 36:18

 37:7 38:25 40:4

 42:12 49:20 54:15

 57:16 60:19 65:25

 67:3 68:6,23 69:14

 70:23 83:1 85:11

 91:9 93:7 105:6

 111:5,11,12,15

 113:10 125:11

 127:21 129:15

 130:3 133:1 135:1

 143:22 147:17

 148:5 150:21

 153:8 157:11,15

surprised

 56:20,23

switched

 97:13

switching

 73:14

swore

 8:10

sworn

 5:24 8:16

system

 30:5 118:7,12,15,

 22,24 119:12

 141:10

systems

 67:18 93:23

T

table

 87:13

take

 7:22 62:7 86:3

 94:18 126:24

 135:3 148:19

 152:16 156:25

taken

 6:2 157:6,16

takes

 43:19

taking

 52:25 53:15

 106:14 130:9

 133:20

talk

 25:13 54:5 67:20

 74:8 84:6 96:5

 103:9 118:10,21

 138:3 139:18

 150:1

talked

 10:14 81:6

talking

 8:5 51:16 61:9

 62:2 73:8 90:24

 92:13 111:16

 112:4 118:17

 139:14

talks

 103:11 112:4

Tax

 146:19

teach

 26:3

team

 18:24 26:10 43:10,

 18,25 44:6,7

technical

 157:7,8

tell

 8:11,16,18 41:14

 66:6 76:8 112:2,11

 127:20 132:6,13

 135:6,10,16 149:4

telling

 88:1,2

tells

 85:15 100:1

template

 50:11

ten

 19:7

tend

 61:4

term

 33:1 92:19 113:2,

 3,5,7

terminate

 137:9 150:20,22

 151:4 153:2

terminated

 114:9 135:18

 150:23 151:5,7

termination

 135:24

terms

 157:7,9

testified

 5:24

testifying

 10:15

testimony

 156:24 157:9

 158:5

Texas

 97:21,22 107:4

text

 151:12,16,20

than

 7:6,21 15:1 19:7,9,

 12,14 44:3 52:22

 82:20 88:23 89:24

 90:10 98:8 103:7

 109:20 146:7,9,14,

 21,22 149:6

thank

 5:20 86:8 156:15,

 17,18 157:22

thanks

 127:12 158:11

that

 5:10 6:8,11,16,23

 7:3,6,11,16,21,25

 8:10,18,25 11:5,

 10,21 12:21 13:3,

 20,22,25 14:4,6,7,

 9 15:9,23 16:17,21

 17:5 18:14 19:5,15

 20:6,8,11,22 21:3,

 13,18,19 22:5,8,

 11,15,16,24 23:15

 24:17,25 25:1,7,

 11,18,24,25 26:15

 27:8,12,14,21,22,

 24 28:15,20 29:2,

 7,9,18 30:1,7,22

 31:7,11,19,21,22,

 23 32:3,5,8,16

 33:10,13,15,19,22,

 23,24,25 34:1,24,

 25 35:2,19 36:7,

 10,14,22 37:22

 38:6,10,15,18,20,

 25 39:4,16,23

 40:12,15,20,21,23

 41:11,14 42:1,3,7,

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 204

Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 51 of 54
Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

 10,14,21 43:12,15

 44:1,11 45:1,9

 46:5,16 47:2,4,5,

 10,13,14,17,22

 48:1,3,8,9,18,22

 49:16,22 50:3,10,

 15,16,18 51:2,10,

 14,19,22,23,24

 52:12,15,20 53:2,

 18 54:10,14,15,17

 55:8,10,11,13,14,

 21,23,24 56:3,5,

 10,21,24,25 57:1,

 3,6,8,17,18 58:11,

 15,22,25 59:4,9,12

 60:10,11,16,17,18,

 23,24 61:10,15,18,

 24 63:2,13,19,21

 64:2,3,13,17,19,

 23,25 65:9,15

 66:3,4,8,9,12,18,

 21,24 67:1,5,9,18,

 23 68:10,11,12,14,

 16,18 69:8,10

 70:13,17,24 71:1,

 6,9,19,23 72:3,19,

 20,24 73:2,7,13,

 24,25 74:13,16,21

 75:13,14,21 76:8,

 9,16 77:11,13,17,

 19,20,22 78:13,15,

 17,18,21,24 79:5,

 8,12,14,15,22

 80:17,18,22 81:9,

 25 82:2,5,6,7,12,

 13,18,20 83:6,9,

 17,23 84:8,9,10,

 14,23 85:6,14,15,

 19,20 86:4,9,16,23

 87:1,4,8,13,14,16

 88:4,8,9,17,20

 89:2,9,15,17,22

 90:2,6,8,12,17

 91:3,7,8,11,13,17,

 21 92:5,8,9,13,14,

 16 93:9,13 94:5,7,

 10,13,16 95:9,14

 96:4,8,9,16,21,24

 97:4,8,9,15,19

 98:11,12,14,15,17,

 23,25 99:2,6,9,12,

 14,15,16,18,20,21

 100:2,13,15,16

 101:12,17,18,19,

 21,22 102:7,11,12,

 14,15,17,24 103:4,

 5,6,10,11 104:6,9

 105:2,15,18,19,22

 106:1,11,12,14

 107:1,5,10,14,17,

 25 108:1,2,3,5,7,

 20,24 109:12,15,

 18,20 110:1,10,11,

 13,16,18,20,21,25

 111:2,9,10,18,20

 112:1,4,6,7,9,10,

 25 113:2,3,8,10,

 11,18,24 114:2,8,

 10,11,13,20,21,22,

 25 115:1,15,17,23,

 24 116:1,6,10,16,

 17,18,24 117:1,2,

 3,8,11,25 118:1,

 15,24,25 119:14,

 21,25 120:15,25

 121:5,8,9,10,22

 122:6,12,16 123:7,

 12,16,18,20,21,23,

 24 124:14,18

 125:2,3,19,23

 127:4 128:2,15,16,

 18,25 129:5,9,15,

 18,19,24 130:3,4,

 10,11,12,16,19,20,

 25 131:9,10,16,19,

 23 132:1,5,16

 133:2,23 134:2,5,

 8,12,14,20 135:5,

 6,10,12,19,22,23

 136:1,5,11,19,21,

 24 137:4,6,7,10,

 11,14,21,22

 138:23 139:2,4,15

 142:2,6 143:2,7

 144:7,11,15,22

 145:1,7,18,22

 146:5,9,17 147:9,

 18 148:9,10,14

 149:6,7 150:4,11,

 14,15,17,22 151:6,

 13,16,17,21,22

 153:9,10,16,17,24

 154:2,14,18,19,23

 155:3,6,9,13,17,

 21,25 156:3,5,9,22

 157:1,5,6,9 158:1

that's

 8:19 9:24 10:12,16

 15:24 23:22 26:21

 34:2 37:23 39:7,

 13,14 40:7 42:25

 43:17 51:12,20

 52:18 55:20 58:12,

 18,21 59:23,25

 64:21 69:20 71:15

 75:25 77:1,5 80:8

 81:24 85:16,25

 86:2,5,17 89:1

 91:14 92:2 93:4

 94:24 96:10,12

 97:7 101:10

 103:16 107:9

 109:7,24 110:2,10

 111:19 112:20

 113:5,8 120:24

 121:1,3 122:5,12

 123:16 136:8

 137:18 138:2,9

 142:21 143:5

 144:4,18 147:4,11

 148:3 152:14

 153:20,21,22

 157:12

the

 5:3,4,5,6,7,12,15,

 18,20 6:7,8,9,10,

 15,21 7:3,7,10,11,

 15,23 8:4,7,10,11,

 16,18,19,25 9:22

 10:13 11:3,4,16,

 17,18,20,22,23

 12:3,6,8,10,18,23,

 25 13:9,14,15,16,

 18 15:10,19,21

 16:8,9 17:4,22

 18:9,23,24 19:19,

 25 20:10,17,24

 21:1,7,12,13,15,18

 22:6,11 23:5,6,10

 24:1,5,23 25:5,12,

 14,17,22,23,25

 26:1,2,3,4,5,7,10,

 12,23,24,25 27:6,

 9,10,11,14,16,17

 28:2,4,5,8,15,23,

 25 29:2,5,11,12,

 13,14,15,17,19,20,

 22,24,25 30:4,5,

 10,12,22,23,24,25

 31:3,4,5,18 32:7,8,

 16,22,23,24 33:3,

 18,24 34:9,12,18,

 19,20,22,24 35:1,

 6,8,11,14,18,20,

 23,24 36:1,3,5,7,9,

 10,15,16,18,20,23,

 24 37:1,2,5,6,12,

 15,19,20,24,25

 38:1,2,3,4,6,7,10,

 11,15,16,17,18,19,

 20,21,22,24,25

 39:1,2,3,5,6,7,9,

 11,13,14,17,18,20,

 21 40:1,2,4,5,7,10,

 11,13,14,15,17,22,

 25 41:6,7,8,11,13,

 15,16,17,18,19,20,

 24 42:2,3,5,11,14,

 17,19,22,23 43:2,

 4,5,6,8,9,11,12,13,

 15,18,22,24 44:5,

 7,13,22 45:6,7,10,

 13,15,16,25 46:2,

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 205

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

 3,21,22,24 47:1,3,

 5,8,19,20,22,25

 48:4,8,12,15,17,23

 49:6,8,13,14,15,

 17,22 50:3,5,19,

 20,22,23,24 51:5,

 6,8,9,10,11,12,15,

 20,21 52:5,6,15,

 18,19,20 53:4,13,

 17 54:5,23,25

 55:3,5,8,11,13,14,

 15,16,20,22,23,24

 56:15,16,24 57:10,

 13,17,18 58:14,19,

 21,22 59:1,10,13,

 19,22 60:1,2,5,7,

 10,14 61:6,8,16,

 18,20,21 62:1,3,

 13,21,22,25 63:2,

 5,8,12,14,15

 64:10,13,16,17,25

 65:3,10,12,18,21,

 22 66:5,6,7,8,13,

 15,18 67:17,23

 68:25 69:7,9,15,18

 70:14 71:1,8,12,

 13,19,22,23 72:1,

 2,3,4,5,6,7,8,9,20,

 23,24,25 73:8,9,

 11,12 74:1,3,4,5,

 10,11,12,18,19,20

 75:1,6,8 76:2,14,

 15,19,25 77:2,3,7,

 8,19,25 78:2,10,

 11,14,18 79:10,20

 80:2,11,12,15,17,

 18,20,24 81:4,8,

 11,13,15,18,19,24

 82:2,4,9,15,16,22

 83:3,5,19,23 84:1,

 7,10,11,15,23,25

 85:3,4,7,8,10,15,

 20,24 86:5,8,15,16

 87:1,3,4,7,8,13,17,

 22,23,24 88:7,17,

 20,22,23 89:3,10,

 11,14,15,16,22,24,

 25 90:1,2,18,20,

 23,25 91:1,2,8,13,

 14,17,18,20,24,25

 92:1,3,4,6,9,10,11,

 12,13,14,15,18,21,

 25 93:2,4,5,13,15,

 16,17,18,20,22,25

 94:2,11,14,15,16,

 17,20,25 95:1,11,

 12,13,14,15,17,19,

 23,25 96:1,8,12,

 17,22 97:13,14

 98:5,6,11,18,22

 99:1,5,6,7,12,14,

 23,25 100:1,9,13,

 14,19,20,22,24,25

 101:5,8,18,19,23,

 24,25 102:2,6,8,

 14,21,22 103:3,4,

 6,14,15,20,23,24

 104:3,18,20 105:2,

 5,11,15,18,20,21,

 23 106:1,2,4,5,6,9,

 12,16,18,19,20,22,

 25 107:9,14,19,25

 108:1,2,3,7,8,9,10,

 14,16,19,20,22,24

 109:3,7,10,11,18,

 23 110:1,2,5,6,8,

 10,16,20,21,22,24

 111:1,2,6,7,8,10,

 11,13,19,20,23,24,

 25 112:1,4,5,6,7,9,

 14,16,17,20 113:1,

 3,8,9,11,13,17,22,

 23 114:1,2,10,15,

 17,20,21,22,25

 115:1,2,5,6,12,13,

 15,16,22,23,25

 116:3,4,6,8,9,11,

 14,15,18,21,23,25

 117:1,5,6,9,12,17,

 19,21,22 118:1,4,

 16,21,24 119:1,6,

 11,12,18,19,22,25

 120:7,10,17,19,22

 121:13,14,21,25

 122:2,3,12,15,19

 123:21,23 124:2,3,

 6,8,11,17,23

 125:1,8,12,15

 126:8,14,15,18,20

 127:9,25 128:1,5,

 7,12,20,22,24,25

 129:7,8,18,19,21

 130:1,5,8,15,16,

 17,19,22,24,25

 131:1,4,13,15,19,

 22 132:6,18,23

 133:4 134:2,14,15,

 17,18,20 135:1,4,

 14,16,23,24,25

 136:1,25 137:4,14,

 18,21 138:3,13,16,

 19,24 139:1,2,3,8,

 14,18,22,23,24

 140:4,5,9,12,16,

 21,23 141:1,7,10,

 12,13,17,20,22

 142:2,5,9,10,13,

 14,15,17 143:3,4,

 14,15,18,20,24

 144:2,5,6 145:13,

 22,24 146:2,3,24

 147:4,6,8,15,18,

 21,22 148:15,20,

 21,22,23,24 149:2,

 6,9,18 150:7,11,

 12,18,24 151:3,8,

 14,15,16,21,23

 152:2,9 153:9,20,

 21,23 154:1,2,4,5,

 7,14,19,24 155:2,

 9,12,20,24,25

 156:6,8,17,20,21,

 24 157:1,2,13,15,

 18,22,23,24,25

 158:3,4,5,7,8,9,10,

 13

their

 19:24 24:20 26:1

 27:1,2,9,11 28:10,

 19,20,21 30:9,12,

 16,17,18,21 31:17

 36:11,13 37:17

 38:12 39:15,16

 41:17 44:7 49:13

 53:15,18 68:11

 71:24 76:21 80:8

 81:1 86:23 93:23

 94:23 100:17

 101:13 106:5,14

 110:18 114:13,14,

 19 128:17 132:11

 140:1,4,6,12,15,

 17,21 141:1,5

 142:18,19 154:24,

 25 155:21 156:1,9

 157:5

them

 30:10,17 31:25

 32:10 41:23 47:18,

 21 54:18 61:13

 68:7 69:2,4,7,17

 72:14 73:5 93:14

 102:17 110:7

 112:2,11 115:8

 116:8 119:7,10

 126:8 133:11,14

 137:9,13,20,23

 138:9 139:22,25

 140:14 141:4,6,16

 142:18 144:9

 145:2 153:5,6,8,

 10,11 154:9,11,15,

 20 156:4,6

themselves

 5:14 37:16 72:13

 132:10

then

 6:6,11,21 7:2 13:7

 16:9 23:5 29:19

 31:4 37:2 38:11

 39:19 42:5,25

 43:19 49:3 51:8,

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 206

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

 17,18,20 56:18

 59:8,24 60:13

 61:20 64:6,19,22

 65:9 70:12 74:4

 75:3 76:15,24 77:6

 79:20,21 80:10

 82:10 83:24 84:21

 87:22 88:13,23

 89:10,19 91:1,9

 92:3 93:25 94:10

 95:17 97:14,21

 102:11,14 104:18

 106:4 107:1,5,20,

 22 108:9 110:22

 112:1,20 114:10

 115:22 116:5,9,13,

 22 119:7 120:19,

 22 130:11 131:3

 138:5 139:24

 144:16 146:20

 149:10 151:6

 157:17,23

there

 7:21 22:3,4,17

 23:11,14 27:13

 31:21 34:6,10

 41:12 45:11 51:2,

 4,5 52:11,23 53:3

 54:12 55:1 56:6

 58:8 70:16 72:8,9

 76:13 77:1 82:24

 83:4,12 89:23

 96:25 97:2,6,12

 102:19 103:7

 114:18 115:25

 116:22 117:25

 118:7,12,22,25

 119:21 120:19

 121:9 127:4,22

 129:11,15 130:4

 132:7,11,16

 133:13,17,22

 134:24 135:3,5,9,

 23 136:16 137:23

 138:23 139:8

 141:6,15,19

 143:12 147:22

 148:24 154:14,18

 155:2,15 156:2,22

 157:4,9

there's

 12:21,22 14:12

 31:24 35:3 37:20

 38:1 39:25 40:14

 42:7,9,25 43:2

 45:15,17 55:1

 60:10 65:12,15

 66:12 74:22 81:20

 88:22 92:3 96:18

 105:25 118:1

 128:17 129:5

 131:25 139:6

 141:17,18 154:16

thereupon

 5:21 54:24 57:12

 62:14 63:4 81:12

 86:10 120:6 124:7,

 22 125:7 126:19

 152:20

these

 65:21 82:17 89:10

 96:18 108:10

 121:17 128:14

 131:19 148:2

they

 13:17 18:23 19:25

 20:1,15 25:18,19,

 20,21 26:2,4 27:1,

 2,10,12 28:16,20,

 21 29:2,24 30:3,7,

 12,15,20 31:19

 32:9 36:9,15,16,

 18,20,22,23,24

 37:3,16,25 38:3,4,

 21,24 39:2,5,9,15

 40:7,9,12,20 41:5,

 14,15,16,20 42:14,

 23 43:16,19,20,21

 47:2,14 48:2,9,18

 49:10,13 50:14,15,

 18 51:7 52:21

 53:6,24 54:9,10,

 14,15 62:3 65:23,

 25 66:14,16,17

 68:7,12,14,16,17,

 21 72:10,12,13,15,

 16,17,18,19,20,22,

 23 73:3,5 74:20

 75:13,22,23 76:1

 78:19 80:6,9

 85:12,16 86:23

 87:14 88:8,9 90:18

 91:8 93:14,23,25

 94:2,3,4 97:2 98:4,

 6,23,24 99:2

 100:9,10,17

 104:19 105:19,22

 106:2,10 107:7,10

 108:24 109:4,5

 110:1,19 111:1

 112:8 113:20

 114:20,22 116:3,9

 117:7,24 118:3,4,5

 119:6,12,18

 123:11,14,15

 128:15,16 131:23

 132:10 133:17,18,

 19 134:12,13

 135:19 137:8,14,

 15,22 138:4,9,10,

 15,20 139:2,3,4,7,

 19,21,24 140:1,3,4

 141:2,4 142:20

 143:6 144:8 149:7,

 19 153:4,24 154:4,

 7,12,23 155:21

 156:1,5,9,10 157:4

they'll

 132:6

they're

 8:5 20:21 29:24

 36:12 38:4,7

 40:24,25 45:21

 66:20 84:17,23

 90:19,20 98:4,7

 112:25 113:15

 114:6,11 133:11

 135:20,21 137:19

 139:6

thing

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 128:1 133:12

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think

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 98:17 104:10

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 126:12 128:4

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thinking

 131:23

third

 31:7,22 33:23

this

 9:18,19,22 10:4

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 33:23 35:1 42:11,

 13,20 43:1 48:7

 53:5,13,17 54:6

 55:5,8,10,21,23

 56:1,4,12,13,18

 57:16 58:3,5,15

 60:6 62:7,19,20,23

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 9,16,18,20 83:3,6,

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 86:19 87:12,25

 88:1,4,15 89:9,10

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 207

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

 90:7,9 91:11 93:2

 95:22 96:6 98:9,22

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 152:10 153:24

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those

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though

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thought

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threaten

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threatened

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three

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three-page

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through

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 15 104:19 120:18

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throughout

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tiers

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time

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 9 72:7,13 73:9

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 25 138:15,20,23,

 25 144:2 147:18

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timely

 156:4

times

 6:17 46:23 72:10

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timing

 56:15

title

 18:7 65:12,18

titled

 49:16

to

 6:8,11,13,15,17,

 22,24 7:7,18,24

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 16 20:14,17,24

 22:6,14 23:7

 24:11,12,19 25:5,

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 19,22,24 27:1,2,3,

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 25 35:12,13,15,19,

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 5,6,10,12,14,21,24

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 38:7,8,12,17,18,25

 39:2,5,13,15,20

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 14 60:9 61:4,7,8,

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 23,24 70:6,9,15,17

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 18,20,24 72:3,4,5,

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 75:15,17,18 76:4,

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 21 82:1,5,12,19,

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 23 88:3,22 89:13

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 17 91:4,5,6,12,17,

 23 93:7 94:1,2,17,

 21 95:3,14,17,19,

 23,25 96:4,5,11,

 14,15,17,22 97:3,

 9,12,13,18 98:7,23

 99:3,4,6,12,18,20

 100:9,13,14,23

 102:21 103:10,14,

 18,21,23,24 104:1,

 4,7,17 105:10,16,

 22 106:5,6,13,16

 107:14,22 108:6,

 10,17 109:9,18

 110:1,2,11,16,22

 111:1,7,13,14,19,

 20 112:1,11,13,17,

 25 113:11 114:8,

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 208

Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 52 of 54
Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

 11,19,20,25 115:7,

 8,13,23 116:2,5,7,

 8,10,15,22,23,25

 117:4,5,7,16,22,23

 118:5,17 119:5,6,

 7,10,11 120:5,17,

 19 121:7,24,25

 123:25 124:11,16

 125:1,12,14,17

 126:4,8,10,13,17,

 24 127:1,9,12,20

 128:16,20,21,22,

 25 129:2,4,6,9,14,

 25 130:12,14,16,

 18,21,22,23,25

 131:3,6,8,9,10,12,

 13,20,21,23 132:1,

 5,9,11,13,14,15,

 22,24 133:1,3,9,

 10,15,18,19,22

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 24 136:11 137:3,9,

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 138:3,6 139:2,7,

 16,21,22,24,25

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 18,19,22,25 141:5,

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 9,11,12,13,16,19,

 20 146:15,16,17

 147:4,5,6,8,16,18,

 21,22,23,24,25

 148:8,12,25 149:7,

 9,15,16,24 150:6,

 9,12,18,20 151:4,

 7,9,13,14,23

 152:3,8,11,14

 153:3,5,9,11,18

 154:9,15,18,19

 155:3,7,16,21,25

 156:3,4,6,21

 157:10,11,12,13

 158:3,4,5,9

today

 5:4,12 7:22 10:13

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 19 103:5 129:23

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told

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 21

tomorrow

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Too

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took

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tool

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top

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 120:10 127:4

topic

 70:13

totally

 139:25

touch

 37:6

Toussaint

 5:16 67:8 69:3

 85:23 109:25

 156:17

towards

 115:1

track

 28:17,21,23 29:5,

 8,10,12,13,14,15

 41:11 119:16

 135:20,22

tracking

 98:16

trade

 34:2

train

 145:22

trained

 145:9,19

training

 25:10,19,20,21,22,

 23 26:2,4,5,7,10,

 12,14,15

trainings

 25:11

transcript

 6:16 157:3

transfer

 37:3

translate

 121:6,10

translation

 121:5

transparent

 127:13

tried

 51:25 76:14,23,24

 148:8

tries

 38:12

trust

 115:18,20

truth

 8:11,16,18

try

 57:24 148:12

 152:13

trying

 74:8 87:18 90:12

 91:4 93:7 96:22

 131:21 132:9

 133:9 136:11

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Tuesday

 60:8

turn

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turned

 99:12 155:7,9

twice

 102:18

two

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 10 63:1 65:15

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 88:13,17 92:5

 146:24

type

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 102:24 142:20

types

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typically

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typing

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U

Uber

 27:15 30:5,6 39:14

 145:23

uh-huh

 7:16

Uh-hum

 59:2 89:8 97:1

uh-uh

 7:16

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 209

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

Um-hum

 42:16 92:24

 138:18

unclear

 157:9

under

 7:23 8:4,11,16

 17:13,14 18:16

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understand

 8:10 11:21 17:4

 22:10,11 24:7 29:7

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 88:11 90:15 92:20,

 22 109:1 120:16,

 17 123:12,16

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understanding

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 137:18 143:2

understood

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 92:8 109:8

unfortunately

 52:17 109:16

uniform

 141:17,19

uniforms

 141:12,15

United

 12:22 34:19,22

 38:23 39:19 40:18,

 21 42:14,20

Universal

 5:13

unless

 130:21 135:22

until

 94:11 138:15,20

up

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 22:1,6 36:16,18

 41:15 48:6,8 51:17

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 24 126:13 127:2,9,

 18 128:20 131:8,

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 14 153:21 157:10,

 12

upload

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upon

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us

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use

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 18 100:4 139:2

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used

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user

 29:11

using

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 31:7 35:20 38:3

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 16,19 89:9,10

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usually

 157:3,6

V

Valiente

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 5 73:15,21 75:6,9,

 19 76:9,24 77:18,

 22 78:1,21,24

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 153:1

varies

 94:22

vary

 35:16,17 117:11

Vasquez

 132:17,19,20,22

vendor

 32:1,11,12,16

 35:2,11,14,24

 36:5,9 37:2,6,12

 38:21

vendor's

 124:2

vendors

 31:24 32:11,13,15

 34:24 35:4,9,21

 36:1 37:4

verbal

 7:7,10,12

verbally

 149:14

versus

 63:8 82:10

very

 6:13,14 116:17

 118:25 148:6

 151:23 155:13

video

 5:6

VIDEOTAPED

 5:1

visible

 65:11

voice

 142:19

vs

 5:9

W

W-9

 134:12,17,25

 135:2,14

W-9S

 134:14

wait

 86:1

waive

 156:22,24 157:2,

 12,14

walk

 26:23 102:7

walked

 151:12

walking

 70:14

want

 8:17 9:18 10:2,10

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 210

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

 34:1 38:24 40:18

 41:20 42:14 48:21

 56:10,14,16 59:14

 62:21 69:24 70:15

 71:5,14,24 84:5

 96:5 126:10

 132:13 133:15,16

 137:15,24 139:7,

 22 143:1 152:3,10,

 11 157:10 158:3

wanted

 48:3,9 56:21,25

 71:10,18,21 72:15,

 18,23 78:14 79:6

 80:4 117:24

 128:16 129:14

 139:22 149:24

 151:13 153:5,9

 156:6

wants

 38:16,22 40:22

 42:20 43:12 92:9,

 14

warehouse

 77:4,8 144:16

was

 5:23 9:24 10:13

 11:4,5 12:2,25

 14:22 15:9,10,12,

 13 16:17,20 17:8,

 12 18:3,4,6,15,16

 20:10 21:19,23,24

 22:3 23:2,5,11,14,

 15,21 24:18,19,22,

 25 25:2,6 26:15,18

 27:12,13 28:15,20

 29:17 30:2,4,10,23

 31:21,23 32:3,5,6,

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 18 37:22 39:16

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 44:3,17 46:18,21,

 22,24 47:4,16,17,

 21 48:3,15 49:4,15

 50:6,19,20,22,23

 51:2,4 54:12,16,

 17,19,24 55:10,12,

 14,21,24 56:1,6,

 12,15,18,25 57:3,

 6,12 58:5,15

 60:16,17,19 61:15,

 16,17,19 62:14,19

 63:4,11 64:16

 66:23 67:14,17

 68:11,18 69:7,23

 70:3,4,6,7,14,16,

 18,23,25 71:3,6,9,

 15,19,20,22,25

 72:2,4,8,24 73:18,

 19,23 75:9,11,25

 76:9,13,17,20

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 22,25 78:3,17,19,

 21,24 79:11,17,20

 80:12,18,23 81:2,

 12 82:8,24 83:12,

 15,16,18,24 84:11,

 25 86:10,14 88:21,

 23 89:21 92:12

 97:8 103:7 104:10,

 14,23 106:18

 108:16 109:20

 110:18,21 114:20,

 21 116:25 119:21

 120:6 121:9,13

 124:7,14,22 125:7,

 12,23,25 126:19

 127:4 128:9,19

 129:15 130:7,16,

 19 131:16,17,21

 132:16 133:4

 134:1,2 135:13,23

 136:5,11,18 137:1,

 4,10,24 139:17,25

 140:2,7 142:2,22

 143:11,16,25

 144:21 146:5,7,22

 148:10,11,14,21,

 22,24,25 149:9,19,

 21 150:6,7,12,14,

 16,22 151:1,2,7,8,

 9,14,20,23 152:20,

 24 153:3,16,17

 155:9,11,13,15,16,

 17 157:9,11,16

wasn't

 24:25 32:10 48:25

 50:24 51:1 75:14

 76:2 78:6,8 97:3

 119:20 149:22

water

 15:24

way

 28:25 34:6 37:14,

 15 48:22 50:23

 60:5 62:1 69:11

 75:3 91:15 98:16

 103:23 104:18

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we

 5:3,4,6 6:6,8,9,13

 7:3,8 14:12 15:8,

 23 20:4,7 22:10

 24:6 25:1 26:9

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 30:15 31:7 39:22

 40:20 43:10 45:24

 46:16,20 49:3

 51:17,22 54:3

 55:23 56:19,23

 58:18,20 60:10,21

 61:5 62:10,18,24

 63:13,19 64:2

 65:8,15 69:2,3

 71:9,11 72:3 75:16

 81:6 82:13,14

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 24 95:2,3,6,11,13

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 24 106:1,4,9

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 114:24 115:16

 116:8,16,18 117:2,

 3,25 118:2,11

 119:5,7,14 120:15,

 19 123:4,7,19,20

 124:10 126:22

 128:20 129:7

 130:3,11 132:20

 133:8,10 134:16

 135:20,21,22

 137:9 138:8

 139:15 143:25

 144:8 145:13,24

 148:21 154:11

 156:6 157:23

 158:9

we'll

 10:17 86:3 111:14

 138:6 157:17

we're

 8:13,14,17 22:14

 31:25 45:24 55:19

 61:8,9 73:8,24

 83:7,17 94:7 106:3

 117:25 126:13

 136:12 138:4

we've

 10:14 62:6

week

 60:8 120:17

 124:11 130:17,19

weird

 133:12

well

 10:6 23:20,23 24:8

 30:13 36:11 40:5

 44:1 48:5,12 49:5

 52:2 59:1 61:24

 65:14 67:17 70:7,

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

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Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

 21 71:11 73:3

 75:21 78:7,17

 79:14 82:4 84:19

 86:19 98:17 99:23

 104:10 106:19

 107:2 109:18

 113:12 123:8

 125:4 128:22

 136:6 137:11

 140:15 151:5

 152:5 154:11,20

 157:15

went

 76:15 77:4 104:18

 109:21 144:16

 153:5,18

were

 8:6 14:21 25:1

 27:8,12 28:16,25

 29:2 30:15,20

 31:18,19 35:20,23

 44:5,13 46:13,16

 47:14 48:23 49:13,

 22 51:5 52:23 53:3

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 63:19 65:21,25

 66:3,9,12,14,15,

 16,17,18 71:9

 72:3,9,12,13,17,

 19,22 76:17 78:19

 79:15 80:6,9,13

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 97:9,12 98:23

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 104:1,4,7 105:20

 107:16,17 109:17

 110:2,19 111:20

 114:22 115:3

 117:7,17,24,25

 118:4,5 119:22

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 124:17 125:1,15

 128:15 131:20,22

 132:9,10 137:8

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 15 142:5,9,13

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 149:19 150:9,11

 153:24 154:4,5,7,

 12,14,19 155:3

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weren't

 48:2 118:3 157:5

what

 6:23 7:25 8:19,22

 9:5,24 10:6,10

 11:1,8,10,11,13

 12:14,16 13:23

 14:4,20 15:9,12,

 17,20 17:1,2,6,10

 18:7,22 19:19,21,

 22,24,25 22:17,18

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 6 28:10,13 29:5

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 19 37:1,2,7,23

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 19 40:1,4 41:13,25

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 45:3,5,9,10,18,19,

 20 46:13,14,17,18,

 24 47:24 48:3,10,

 15 49:18 50:3,5,23

 52:6 54:2,16,20,22

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 21 61:16,25 62:3,6

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 71:15 75:20,25

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 79:12,14,17 80:3,

 19 81:10 82:12,17,

 19,20 84:19 85:8,

 19 87:1,3,4,18

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 91:5,6,9,23 92:12,

 16,18,22 93:7

 95:9,19 96:11,21

 97:5,18 98:18

 100:6,10 101:1,3,

 19 102:4 103:11

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 24 106:10 107:5

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 24 122:3,6 123:1,

 12 125:23 126:10,

 18,22,23 128:11,

 12 129:16 130:1,4,

 18,23 131:5,17,21

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 18 139:16 140:3

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 17,22 143:14,15,

 23 144:18,19,23

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 157:13,15

what's

 9:3,12 12:8,10

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whatever

 26:14 36:8 38:24

 39:18 127:21

 133:16 139:21

Whatsapp

 151:20

when

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 14:20 16:20,22,24

 17:12,17 18:15,18

 19:23 21:14,19

 30:23 31:4,9 33:15

 37:1,19,24,25

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 45:10,11,14 46:4,6

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 68:12 70:9,11,20

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 128:8,20 129:20,

 24 130:19 134:4,6,

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 13,18 136:6

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 139:3,18 145:8,20

 158:1

where

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 60:7 62:25 68:21,

 25 77:2 79:15

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 157:9

whereas

 95:8

wherever

 8:15

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 212

Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 53 of 54
Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

whether

 8:19 22:12 27:11

 38:3,23 47:24

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 153:9

which

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while

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white

 120:20

who

 9:16 14:23 15:2

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 19:4 20:10 21:7,

 12,14 25:23 28:2

 29:8,10,17 30:23

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 12,14 150:18,21

 151:3

who's

 12:6 13:18 31:4

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 74:21 92:25

 101:19 127:15

whoever

 122:2

whole

 15:11 22:11 59:14

 87:22,24 89:16

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 146:6 149:2

whom

 35:13

Whose

 11:16

why

 7:22 44:2 45:2

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 67:5,6,7,14 68:10

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wife

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will

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 20 101:23 105:3,

 17 107:2,8 109:12

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 116:15,17 117:6

 118:24 121:25

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 24

willing

 149:9

window

 139:22,23

wise

 90:5

wish

 20:13 86:1

with

 5:13 6:20 12:17,19

 13:3,11,14,25

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 21:12,15 22:1

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 152:1,2,7 153:2

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within

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without

 41:3 130:4

witness

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 13,15 158:7,14

word

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work

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 150:5 153:5,10,11,

 18

worked

 14:25 20:22 21:4

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 76:14 77:18 78:10,

 11 113:19 132:16

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 213

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

 139:19 144:3,12,

 20,24 145:16

working

 14:21 15:4 17:13

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 24 145:8,16,21

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works

 16:6 17:21 21:4

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workstations

 139:20

would

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 24 35:24 36:5,7,13

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 24 48:20 49:9,18

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 102:16,25 106:15

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 18 138:1 144:4,6

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would've

 72:20 110:13

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wouldn't

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write

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writes

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writing

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written

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 15

wrote

 130:12

Y

Y-U-R-I

 74:24

yeah

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 22 84:17 85:2

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 5 96:10,16,23,24

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 154:16,21 155:11,

 12 156:20 157:15,

 17

year

 15:1 16:21,23,24

 20:5,7 33:10 46:7

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 22 137:16,18,23

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 20 153:17

yearly

 143:6

years

 36:4 136:5,6,8,12,

 15

yellow

 120:20

yes

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 11 13:8 14:8 15:6

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 18:21,25 19:11,13

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 18 43:10 44:7,10,

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 20 66:10,20 68:9,

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 75:5,8,24 76:3,11

 79:4,6,9 80:10,21

 81:3,17,24 83:25

 86:25 88:15 89:21

 95:24 98:14 99:8

 101:14,16 102:10

 104:14 105:1

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 214

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

 107:15 109:7

 111:4 112:19

 114:4 116:12

 118:11,14 121:5,

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 124:4,20 126:14

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 144:14 146:12

 147:1 148:16

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 155:5 157:21

yeses

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yesterday

 129:1

you

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 21,22,24 7:2,3,6,9,

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 18,19,20,25 9:14,

 16 10:2,4,5,10,19,

 22 11:3,13 12:19,

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 24 23:7,17,20 24:1

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 22 31:1,9,13,21

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 15 41:22 42:17

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 19 52:3,6,9,17,22

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 23 72:6,17,24

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 23 92:20 93:9

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 25 96:6,23,25

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 21 99:5,6,9,11,15,

 19,22,23 100:1,2,

 13,15 101:15,17,

 19 102:3,4,8,11,

 14,20,24,25 103:6,

 18 108:3,7,8,14,22

 109:2 110:1,16,25

 111:4,20 112:1,2,

 10,20 113:5,6,8,19

 115:9 116:3,11,13,

 24 118:17 119:2,

 10,15,19,25 120:4,

 9,11,16,23,24

 121:3,6,10,13,20,

 23,25 122:1,2,3,24

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 124:3,5,12,21

 125:4,6,19,23

 126:4,7,10,17,23

 127:1,3,8,10,18,

 20,21 128:5,8,12

 129:1,3,8,10,16

 130:18 131:5,12,

 25 132:4,6,13,22,

 23,24 133:1,3,9,

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 134:4,9,10,22

 135:4,5,6,10,19,

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 25 137:3,7,11,12,

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 6,23,24 139:1,11,

 13 140:23 142:19

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 4,15,23,24 146:7,

 17 147:16,17,19,

 21,24 148:1,9,17,

 19,23,25 149:4,18,

 24 150:1,11,23

 151:16,17,22

 152:1,3,8,10,11,14

 153:3,23 154:17,

 18 155:21 156:15,

 17,18,21,22,23,24

 157:2,3,10,12,22,

 24 158:1,4,5,6

you'd

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you're

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 15 33:25 34:1 37:7

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 83:9 88:2 90:16

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 133:10 138:7

 139:14 147:6

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 158:1

you've

 68:20 108:6

 128:11 136:13

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your

 6:11 7:9 8:15,22

 9:3,5,12 11:1 12:3

 24:7 40:16 44:18

 52:1,2 55:17,20

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 64:20,25 65:6

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 100:14 101:10,25

 105:6 109:1 111:5,

 12 128:4,12,13

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 142:22 144:6

 147:17 156:15,23

 157:19 158:5

yourself

 21:10

Yuri

 74:22 76:3,4,8

Z

Zelle

 102:18

Zoom

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023 Page 215

Delio Batista, Carlos Lopez, Mariana Lopez, Rafaela Valiente vs Avant Assurance

Cortes, Reinier on 04/11/2023

 8:14 148:21 149:1,

 3 150:11,14

Cortes, Reinier on 04/11/2023 Page 216

Case 1:22-cv-22671-CMA Document 70-3 Entered on FLSD Docket 05/19/2023 Page 54 of 54