T hi s di s pos i t i on i s notappr opr i a t e f orpubl i c a t i on a nd i s notpr e c e de nt * e xc e pta s pr ovi de d by 9th C i r . R . 36- 3. NOT F OR P UB L I CAT I ON UN I TE D STATE S C OU RT OF APPE ALS FOR T HE NI NTH CI RC UI T S UN L I F E AS S UR AN C E C OMP AN Y O F C A N A D A ( U . S . ) , aC a na di a n c orpor a t i on, P la in tif

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f i rm the j udgm e ntof th e d is tr ic t c o u rt. B ec ause the fa ct s of thi s c as e are se tforth ful l y i n the di stri ctcourt ’ s order , w e do notr e c ountthe m he r e . B e f or e the di s tr i c tc ourt , both pa rt i e s m ove d f or s um m a ry j udgm e nt . T he di s tr i c tc ourtgr a nt e d s um m a ryj udgm e nti n f a vorof M & I , hol di ng tha tS un L i f e ha d f a i l e d t o s how tha tM & I ow e d i tadutyof c a r e a nd th ati tj u st i fi ab l y rel i ed o n M & I’ s act i o n s. W e r evi ew a di stri ctcourt ’ s dec i si on on cr oss- m ot i on s f or sum m ary j udgm e ntde novo, c ons trui ng the f a c t s i n the l i ghtm os tf

a vor abl e t o the no nm ov i ng party. S ee B aderv. N . L i ne L ay er s, Inc. , 50 3 F . 3d 81 3, 81 6 (9th C i r. 20 07 ).S un L i fe cont ends that , even i f i thad n ot i ce d the di sc re pancy and had 1 n o tif ie d M & I , M & I w o u ld h a v e in s is te d th a t F F I - P A w a s th e p r o p e rb e n e f ic ia ry . T h is a r g u m e n t, h o w e v e r , is s p e c u la tiv e a n d th e r e f o r e w ith o u t m e r it. 3 W e a g r e e w ith th e d is tr ic t c o u rt th a t S u n L if e f a ile d to s h o w ju s tif

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i c i a ryD e s i gna t i on F orm , w hi c h c ont a i ne d the t ax i dent i fi ca t i on nu m ber ( “ T IN ”) and the m ai l i ng addres s of the desi gn at ed b e n e f ic ia ry - - th e F r ie n d s h ip F o u n d a tio n , I n c . in G le n d a le , A r iz o n a( “F F I - A Z ” ) . M or e i m port a nt l y , onl y S un L i f e , notM & I , r e c e i ve d the c l a i m f orm s f r om the F ri endshi p F ou nd at i on , Inc. i n P ennsyl vani a ( “ F F I- P A ”) , w hi ch cont ai ned F F IP A ’ s T IN and m ai l i ng addres s. S un L i fe there fore w as si tuat ed atl ea stas w el l as M & I- -i f notbett er -- t o asc ert ai n the corr ec tbenefi ci ary of the S un L i fe annu i ty. It w a s the onl y e nt i ty tha tc oul d ha ve c om pa r e d the T I N a nd m a i l i ng a ddr e s s of the d e s ig n a te d b e n e f

ic ia ry , F F I - A Z , w ith th e T I N a n d m a ilin g a d d r e s s o f th e c la im a n t, F F I - P A . A l though T I N s a nd m a i l i ng a ddr e s s e s c a n c ha nge , the di s c r e pa nc yi n the TI N s a n d ma i l i n g a d d r e s s e s s h o u l d h a v e a l e rt e d Su n Li f e t o ap r o b l e m. 1 B ec ause S un L i fe had acce ss t o i nform at i on i dent i fy i ng the corre ct desi gn at ed benefi ci ary and t o i nform at i on i nd i ca t i ng a probl em re qu i ri ng further in v es ti g atio n , S u n L ife h as fa il ed to sh o w th at itju stifiab ly re li ed o n M & I’s a c t i ons . S e e S t . J os e ph’ s H os p. & M e d. C tr . v. R e s e rve L i f e I ns . C o. , 742 P . 2d 808, 817 ( A r i z . 1987) ( i n ba nc ) ( “ T o de t e rm i ne w he the rone pa rtyt o atr a ns a c t i on4

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i e d t o r e l y on the othe rpa rty ’ s r e pr e s e nt a t i ons de pe nds on the com pl ai ni ng party’ s ow n i nform at i on and i nt el l i gence. ”) . W e a g r e e w ith th e d is tr ic t c o u rt th a t S u n L if e f a ile d to e s tab lis h ju s tif

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the di s tr i c tc ourt . S e e K ue hn v. S t a nl e y , 91 P . 3d 346, 350 ( A r i z . C t . A pp. 2004) ( “ [ A ] pl a i nt i f f m us ts how ‘ju s tif iab le r e lia n c e ’ to p r e v a il o n ac la im f o rn e g lig e n t m is r e p r e s e n ta tio n .” ) . W e need no taddres s, and exp l i ci t l y do n otre ac h, the di stri ctcourt ’ s det erm i nat i on that M & I ow ed a duty t o S un L i fe . AF F I RME D.