NOT FOR PUBLICATION

UNITED STATES COURT OF APPEALS

 FOR THE NINTH CIRCUIT

JOHN M. FLOYD & ASSOCIATES, INC,

a Texas corporation,

 Plaintiff - Appellant,

 v.

TAPCO CREDIT UNION,

 Defendant - Appellee.

No. 12-35307

D.C. No. 3:10-cv-05946-BHS

MEMORANDUM*

JOHN M. FLOYD & ASSOCIATES, INC,

a Texas corporation,

 Plaintiff - Appellee,

 v.

TAPCO CREDIT UNION,

 Defendant - Appellant.

No. 12-35325

D.C. No. 3:10-cv-05946-BHS

Appeal from the United States District Court

for the Western District of Washington

Benjamin H. Settle, District Judge, Presiding

FILED

AUG 21 2013

MOLLY C. DWYER, CLERK

U.S. COURT OF APPEALS

 * This disposition is not appropriate for publication and is not precedent

except as provided by 9th Cir. R. 36-3.
Argued and Submitted July 12, 2013

Seattle, Washington

Before: KLEINFELD, M. SMITH, and N.R. SMITH, Circuit Judges.

John M. Floyd & Associates, Inc. (“JMFA”) appeals the district court’s

grant of summary judgment in favor of TAPCO Credit Union (“TAPCO”). JMFA

specializes in an overdraft protection software that allows financial institutions to

generate additional non-interest revenue, for which JMFA is paid a commission. 

JMFA contracted with TAPCO to install JMFA’s Overdraft Privilege Program in

TAPCO. Alleging that TAPCO failed to pay under the contract, JMFA brought

four claims against TAPCO: (1) breach of contract, (2) accounting, (3) unjust

enrichment, and (4) breach of the duty of good faith and fair dealing. We have

jurisdiction under 28 U.S.C. § 1291, and we affirm. 

1. We review de novo the district court’s order granting summary judgment.

 Universal Health Servs., Inc. v. Thompson, 363 F.3d 1013, 1019 (9th Cir. 2004). 

In opposing summary judgment, JMFA failed to present evidence cognizable under

Federal Rule of Civil Procedure 56(c)(4) that TAPCO implemented or continued to

use JMFA’s services, products, or recommendations after the contract terminated

on December 31, 2007. See Celotex Corp. v. Catrett, 477 U.S. 317, 325 (1986). 

JMFA may not rely on the unverified allegations in its complaint to defeat

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summary judgment. See Lew v. Kona Hosp., 754 F.2d 1420, 1423 (9th Cir. 1985). 

The Floyd declaration, upon which plaintiff largely relies to establish a genuine

issue of material fact, sets out mere speculation for the critical facts, without a

showing of foundation in personal knowledge, for the facts claimed to be at issue.

As did the district court, we reject the statements submitted by JMFA as

unsubstantiated. See Schowengerdt v. United States, 944 F.2d 483, 489 (9th Cir.

1991). 

JMFA further asserts that, based on TAPCO’s federal and state financial

filings, Floyd believes that “TAPCO has generated more than $1,000,000 in

additional non-interest income or revenue from its use of [JMFA’s]

recommendations, products and/or services.” However, because there is no

foundation to link the filings to JMFA’s recommendations, products, or services,

Floyd’s unexplained belief is also insufficient to survive summary judgment. 

While there is no dispute that TAPCO has generated non-interest income after the

contract was terminated, there is no cognizable evidence indicating that TAPCO

earned this income using JMFA’s recommendations, products, or services. JMFA

cannot survive summary judgment based solely on a “belief” that is uncorroborated

by some admissible evidence to support its claim. Therefore, the district court did

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not err when it determined that there were no triable issues of fact regarding

whether TAPCO breached its contract or was unjustly enriched.1 

2. The district court erred in rejecting JMFA’s motion for reconsideration as

untimely under Local Civil Rule 7(h). See Alliance of Nonprofits for Ins., Risk

Retention Group v. Kipper, 712 F.3d 1316, 1327 (9th Cir. 2013). However, the

error was harmless because the district court reviewed the motions as required by

Federal Rule of Civil Procedure 59(e). We “review denials of Rule 59(e) motions

for abuse of discretion.” Zimmerman v. City of Oakland, 255 F.3d 734, 737 (9th

Cir. 2001). JMFA did not present new evidence that TAPCO was using its

services, products, or recommendations in support of its motion for

reconsideration.2 Rather, it argued that (1) the district court improperly

disregarded the affidavits filed in opposition to the motion for summary judgment;

(2) the district court erred in not striking TAPCO’s declarations in its surreply; and

(3) the district court erred in granting summary judgment. The district court

denied the motion for reconsideration, finding that JMFA had failed to show

 1

 In light of our holding, we need not address JMFA’s accounting and bad

faith claims.

2

 JMFA attached a two-page copy of TAPCO’s website to show that TAPCO

continued to offer overdraft programs. But JMFA did not submit evidence that any

of the information on this website was based on TAPCO using JMFA’s services,

products, or recommendations. 

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“manifest error” in the summary judgment order. In particular, the district court

noted that the fact that TAPCO generated revenue from an overdraft program was

not enough, absent evidence of a connection between that income and the alleged

continued use of JMFA’s overdraft programs. Thus, the district court did not

abuse its discretion in denying the motion. See McDowell v. Calderon, 197 F.3d

1253, 1255 (9th Cir. 1999) (en banc) (per curiam) (“A motion for reconsideration

under Rule 59(e) should not be granted, absent highly unusual circumstances,

unless the district court is presented with newly discovered evidence, committed

clear error, or if there is an intervening change in the controlling law.” (internal

quotation marks omitted)); see also Zimmerman, 255 F.3d at 740.3

AFFIRMED. 

3

 In light of our holding, we need not address TAPCO’s counter claim. 

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