SETTLEMENT AND RELEASE AGREEMENT 

This Settlement and Release Agreement ("Agreement") is made by, betWeen, and among 

the following undersigned parties: 

The Plaintiff Federal Deposit Insurance Corporation as Receiver for Premier Community 

Bank of the Emerald Coast, Crestview, Florida ("FDIC-R"), and William C. Home, John 

Elarnad, International Design Consulting Group, Inc. d/b/a/ ECM ("Engineer Defendants"), Jack 

Gilliland, Creative Design International, Inc. d/b/a/ CDA ("Axchitect Defendants") (collectively 

the "Settling Defendants"), and James River Insurance Company and New Hampshire Insurance 

Company/Lexington Insurance Company ("Insurers") (individually, the FDIC-R, the Settling 

Defendants and the Insurers may be referred to herein as "Party" and collectively as the 

"Parties"). 

RECITALS 

WHEREAS: 

Prior to December 16, 201 1, Premier Co nun unity Bank of the Emerald Coast, Crestview, 

Florida ("Bank") was a depository institution organized and existing under the laws of Florida. 

On December 16, 2011, the Florida Office of Financial Regulation closed the Bank and 

pursuant to 12 U.S.C. § 182l(c), the Federal Deposit Insurance Corporation was appointed 

Receiver. In accordance with 12 U.S.C. § 1821(d), the FDIC-R succeeded to all rights, titles, 

powers and privileges of the Bank, including those with respect to its assets. 

Among the assets to which the FDIC-R succeeded were all of the Bank's claims, 

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demands, causes of action, and inherited litigation against professionals and others arising from 1. 

I the perfotinance, nonperformance, and manner of performance of their respective functions, l 

duties and acts related to the design and construction of a single family residence at I 

Drive, Shalimar, Florida for which the Bank provided construction financing. 

Hoo HOOH·l m0omoO············.(p.)_(4,), (b)~ (6) ! 

On June 19,2009, the Bank filed a complaint for money damages against, among others, 

the Settling Defendants. The FDIC-R was substituted as Plaintiff by Order dated November 12, 
2013. Those claims for damages are now pending in the Circuit Court in and for Okaloosa 

County, Florida in Federal Deposit Insurance Corporation as Receiver for Premier Community 

Bank of the Emerald Coast v. William C. Horne, P.E., eta/., Case No. 2009-CA-003593-S 

("Inherited Action"). The Sett1ing Defendants have denied liability in the Inherited Action. 

James River Insurance Company issued an architects and engineers professional liability 

(b)( 4 L. m pohcy . .numberedl~... __ ___.l for the period November 10, 2008 through November 10, 2009) 

which insured the Engineer Defendants according to its terms, provisions, and conditions 

("Engineer Defendants Policy"). New Hampshire Insurance Company/Lexington fusurance 

Company issued an architects and engineers professional liability policy numbered! 

for the period November 29, 2008 through November 29, 2009, which insured the Architect 

Defendants according to its tenns, provisions, and conditions ("Architect Defendants Policy") 

(collectively the Engineer Defendants Policy and the Architect Defendants Policy are referred to 

as "Policies''). The Settling Defendants asserted claims for coverage under the Policies. Insurers 

have reserved their respective rights to deny coverage under the Policy for claims asserted by the 

FDIC-R against the Settling Defendants. 

The undersigned Parties deem it in their best interests to enter into this Agreement to 

avoid the uncertainty and expense of further litigation. 

NOW, THEREFORE, in consideration of the promises, undertakings, payments, and 

releases stated herein, the sufficiency of which consideration is hereby acknowledged, the 

undersigned Parties agree, each with the other, as follows: 

SECTION 1: Payment to FDIC-R 

A. As an essential covenant and condition to this Agreement, on or before thirty (30) 

calendar days following December 21, 2015, the Engineer Defendants and James River 

Insurance, jointly and severally, agree to pay the FDIC-R the sum of ONE HUNDRED FIFTY 

TIIOUSAND AND 00/100 DOLLARS ($150,000.00) and the Architect Defendants and New 

Hampshire Insurance Company/Lexington Insurance Company, jointly and severally, agree to 

pay the FDIC-R the sum of FIVE THOUSAND AND 001100 DOLLARS ($5,000.00) ("the 

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Settlement Payment"). 

B. The Settlement Payment shall be delivered to the FDIC-R by check payable to 

FDIC as Receiver for Premier Community Bank of the Emerald Coast (FIN 1 0415), Memo Line: 

(b )(6) A.t.t.p,: DRR.Jnvestigations,l ... _ ......________ ___.l, and sent via Overnight Delivery to: 

JPMorgan Chase (TX1-0006) 

Attn: FDIC Receivership Lock Boxl J ............ ......................... (p)(4.) 

14800 Frye Road, znd Floor 

Ft. Worth, TX 76155 

In the event that the Settlement Payment is not delivered to the FDIC-R by January 21, 

2016, interest shall accrue on all unpaid amounts at the rate of 5% per annum from January 21, 

2016 until the date of payment. However, if said Settlement Funds are not delivered to the 

· FDIC-R by January 21, 2016, as a result of the FDIC-R's failure to execute this Agreement, no 

interest shall accrue until five days after the FDIC-R executes the Agreement. 

C. . If the FDIC-R does not receive the Settlement Payment in full on or before the 

date determined by subsection A above, then the FDIC-R, in its sole discretion, shall have the 

right at any time prior to receipt of the Settlement Payment in full (including all accrued interest) 

to: 

1. Extend the period of time for the Settlement Payment, including interest 

accruing from the date determined by subsection A above, through the date of payment at a rate 

calculated in accordance with 26 U.S.C. § 6621(a)(3); or 

2. Enforce this Agreement, in which event the Settling Defendants and 

hlSurers agree to jurisdiction in United States District Court in Florida and to pay all of the 

FDIC-R's reasonable attorney's fees and costs expended in enforcing the terms of this 

Agreement; or 

3. Terminate the Agreement, move to vacate any dismissal order, to which 

the Settling Defendants and Insurers agree to consent. and re-institute an action on the FDIC-R's 

claims. The Settling Defendants and Insurers further agree to waive any defense based on any 

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statute oflimitations that would bar any of the FDIC-R's claims and waive all objections, 

defenses, claims or counterclaims, and covenant and agree not to assert any objections, defenses, 

claims or counterclaims that did not exist or were otherwise unavailable as of the date this 

Agreement was :frilly executed; and/or 

4. Seek any other relief available to it in law or equity. 

Any extension of time under Section I. C.1 for delivery of the Settlement Payment or 

acceptance of a portion of the Settlement Payment shall not prejudice the FDIC-R's rights to take 

any of the actions set forth in Section I.C.2 through I.C.4 at any time pr.ior to receipt of 

Settlement Payment (including all accrued interest) in full. 

SECTION II: Stipulation and Dismissal 

Within ten business days after the latter of (1) full execution of this Agreement by all of 

the Parties, and (2) receipt of the Settlement Payment, plus any accrued interest, the FDIC·R 

shall file a stipulation of dismissal -with prejudice, executed by the attorneys for all Parties 

hereto, in the form attached hereto as Exhibit A, in the Inherited Action. 

SECTION ill: Releases 

A. The FDIC-R's Releases. 

Upon receipt of the Settlement Payment in full and except as provided in Section lli.D., 

the FDIC-R, for itself and its successors and assigns, hereby releases and discharges: 

1. The Settling Defendants and their respective heirs, executors, trustees,. 

administrators, representatives, successors, and assigns, from any and all claims, demands, 

obligations, damages, actions, and causes of action, direct or indirect, in law or in equity, 

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belonging to the FDIC-R, that arise from or relate to, the performance, nonperformance, or l 

manner ofperfonnance of the Settling Defendants' respective functions, duties and actions as ! 

f. 

professionals in cotmection with the design and construction of a single family residence at[3 .. ~~~(4.), (b) J 

(b)( 4 ),.(pJ j m !Drive, Shalimar, Florida, including without limitation the causes of action alleged in_the j 

(6) i 

I Inherited Action. 

2. Insurers, their parents, subsidiaries, affiliates and reinsurers, and their 

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respective employees, officers, directors, agents, representatives, successors and assigns, from 

any and all claims, demands, obligations, damages, actions and causes of action, clirect or 

indirect, in law or in equity, that arise from or relate to the Policies. As part ofthis release of the 

Insurers, the FDIC-R agrees that any interest it may have under the Policies is extinguished. 

B. The Settling Defendants' Release. 

Effective simultaneously with the release granted in Section III.A. above, the Settling 

Defendants, on behalf of themselves individually, and their respective heirs, executors, trustees, 

administrators, agents, representatives, attorneys, successors, and assigns, hereby release and 

discharge the FDIC-R, and its employees, officers, directors, representatives, attorneys, 

successors and assigns, from any and all claims, demands, obligations, damages, actions, and 

causes of action, direct or indirect, in law or in equity, that arise from or relate to, the Ba.pk or to 

the performance, nonperformance, or manner of performance ofthe Settling Defendants' 

respective functions, duties and actions as professionals in connection with the design and 

(b)( 4 )

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{p) ~~~t.l.}.l.~t.i.9.J:LQ[~$..ingle..Jamilyresidenceat.._l_······ _ __,prive, Shalimar, Florida.._ including without 

(6) limitation the causes of action alleged in the Inherited Action. 

C. The Insurers' Release. 

Effective simultaneously with the releases granted in Section liLA. above, Insurers, for 

themselves and their respective successors and assigns, and on behalf of their parents, 

subsidiaries, affiliates and reinsurers, and their successors and assigns, hereby release and 

discharge the FDIC-R, and its employees, officers, directors, agents, representatives, attorneys, 

successors, and assigns, from any and all claims, demands, obligations, damages, actions, and 

causes of action, direct or indirect, in Law or in equity, that arise from or relate to the Policy. 

D. Exceptions from Releases by FDIC-R. 

1. Notwithstanding any other provision of this Agreement, the FDIC-R does 

not release, and expressly preserves fully and to the same extent as if this Agreement had not 

been executed, any claims or causes of action: 

a. Against the Settling Defendants or any other person or entity for 

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liability, if any, incurred as the maker, endorser or guarantor of any promissory note or 

indebtedness payable or owed by them to FDIC-R, the Bank, other financial institutions, or any 

other person or entity, including without limitation any such claims acquired by FDIC-R as 

successor in interest to the Bank or any person or entity other than Bank; and 

b. Against any person or entity not expressly released by the FDIC-R 

in this Agreement. 

2. Notwithstanding any other provision of this Agreement, nothing in this 

Agreement shall be construed or inte~preted as limiting, waiving, releasing, or compromising the 

jurisdiction and authority of the Federal Deposit Insurance Corporation in the exercise of its 

supervisory or regulatory authority or to diminish its ability to institute administrative 

enforcement or other proceedings seeking removal, prohibition, or any other relief it is 

authorized to seek pursuant to its supervisory or regulatory authority against any person. 

3. Notwithstanding any other provision ofthis Agreement, this Agreement 

does not purport to waive, or intend to waive, any claims that could be brought by the United 

States through the Department of Justice, the United States Attorney's Office for any federal 

judicial district, or any other department or agency of the United States as defined by 18 U.S.C. § 

6. In addition, the FDIC-R specifically reserves the right to seek court-ordered restitution 

pursuant to the relevant provisions of the Mandatory Victims Restitution Act, 18 U.S.C. §§ 3322 

and 3663 et. seq., if appropriate. 

SECTION IV: Waiver of Dividends and Proceeds from Litigation 

To the extent, if any, that Settling Defendants are or were sharehoLders of the Bank by 

virtue thereof are or may be entitled to a dividend, payment, or other distribution upon resolution 

of the receivership of the Bank or proceeds in any litigation that has been or could be brought 

against the Federal Deposit Insurance Corporation in any capacity or against the United States 

based on or arising out of, in whole or in part, the closing of the Bank, or any alleged acts or 

omissions by the Federal Deposit Insurance Corporation in any capacity, the United States 

government, or any agency or department of the United States government in connection with 

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the Bank, its conservatorship, or receivership, Settling Defendants hereby knowingly assign to 

the FDIC-R any and all rights, titles, and interest in and to any and all such dividends, payments, 

or other distributions, or proceeds. 

SECTION V: Representations and Acknowledgements 

A. Authorized Signatories. All of the undersigned persons represent and warrant that 

they are Parties hereto or are authorized to sign this Agreement on behalf of the respective Party, 

and that they have the full power and authority to bind such Party to each and every provision of 

this Agreement. This Agreement shall be binding upon and inure to the benefit of the 

undersigned Parties and their respective heirs, executors, trustees, administrators, representatives, 

successors and assigns. 

B. Advice of Counsel. Each Party hereby acknowledges that he, she, or it has 

consulted with and obtained the advice of counsel prior to executing this Agreement, and that 

this Agreement has been explained to that Party by his or her counsel. 

SECTION VI: Reasonable Cooperation 

A. The Parties agree to cooperate in good faith to effectuate all the tenns and 

conditions of this Agreement, including doing, or causing their agents and attorneys to do, 

whatever is reasonabty necessary to effectuate the signing, delivery, execution, filing, recording, 

and entry, of any documents necessary to conclude the Inherited Action, and to otherwise 

perform the tenns of this Agreement 

B. The Settling Defendants agree to cooperate fully with the FDIC-R in connection 

with any action required under this Agreement. Such cooperation shall consist of: 

1. Producing all documents requested by the FDIC-R, without the necessity 

of subpoena, as detennined by the FDIC~R, in its sole dlscretion, to be relevant to the Bank; 

2. Appearing as requested by the FDIC·R at reasonable times and places for 

interviews regarding facts, as determined by the FDIC~R in its sole discretion, to be relevant to 

the Bank; 

3. Testifying as requested by the FDIC·R, without the necessity of a 

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(b)(6) 

subpoena, in any matter relevant to the Bank, as determined by th.e FDIC-R; 

4. Signing truthful affidavits, regarding any matter, as determined by the 

FDIC-R in its sole discretion, to be relevant to the Bank. 

SECTION Vll: Other Matters 

A. No Admission ofLiabilitv. The undersigned Parties each acknowledge and agree 

th.at the matters set forth in this Agreement constitute the settlement and compromise of disputed 

claims and defenses, that this Agreement is not an admission or evidence of liability or infinnity 

by any ofthem regarding any claim or defense, and that the Agreement shall not be offered or 

received in evidence by or against any Party except to enforce its tenns. 

B. Execution in Countexparts. This Agreement may be executed in counterparts by 

one or more of the Parties and all such counterparts when so executed shall together constitute 

the final Agreement, as if one document had been signed by all Parties; and each such 

counterpart, upon execution and delivery, shall be deemed a complete original, binding the 

Parties subscribed thereto upon the execution by all Parties to this Agreement. 

C. Choice of Law. This Agreement ~hall be interpreted, construed and enforced 

according to applicable federal law, or in its absence, the laws of the State of Florida. 

D. Notices. Any notices required hereunder shall be sent by registered mail, first 

class, return receipt requested, and by email, to the following: 

If to the FDIC-R: 

If to the Settling Defendants 

William C. Horne, John Elamad, and 

International Design Consulting Group, 

Inc. d/b/a/ ECM: 

Barbara Slott Pegg, Com1sel 

Federal Deposit Insurance Corporation 

3501 N. Fairfax Dr. B7062 

Arlington, VA 22226 

(703) 516-5273 

lm•••••• I 

Clay Whittaker, Esq. 

Cole, Scott & Kissane 

715 So. Palafox Street 

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(b)(6) 

(b)(6) .......... . 

(b)(6) 

Pensacola, FL 32502 

................ JL._ ..... ----------J 

If to the Settling Defendants Jack 

Gilliland and Creative Design 

International, Inc. d/b/a/ CDA: 

If to Insurer James River 

Insurance Company: 

If to Insurer New Hampshire 

Insurance Company/Lexington 

Insurance Company : 

Steven Gonzalez, Esq. 

Weinberg Wheeler Hudgins Gunn & Dial 

2601 So. Bayshore Drive, Suite 1500 

Miami, FL 33133 

Clay Whittaker, Esq. 

Cole, Scott & Kissane 

71~ So. Palafox Street 

Pensacola, FL 32502 

·············L.'------------1 

Steven Gonzalez, Esq. 

Weinberg Wheeler Hudgins Gunn & Dial 

2601 So. Bayshore Drive, Suite 1500 

Miami, FL 33133 

E. Entire Agreement and Amendments. This Agreement constitutes the entire 

agreement and tmderstanding between and among the undersigned Parties concerning the matters 

set forth herein and supersedes any prior agreements or understandings. This Agreement may 

not be an1ended or modified, nor may any of its provisions be waived, except in writing signed 

by the Parties bound thereby, or by their respective authorized attomey(s), or other 

representative( s ). 

F. Titles and Captions. All section titles and captions contained in this Agreement 

are for convenience only and shall not affect the interpretation of this Agreement. 

G. No Confidentiality. The undersigned Parties acknowledge that this Agreement 

shall not be confidential and will be disclosed pursuant to the Federal Deposit Insurance 

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(b)(6) 

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shall not be con:fi.dentia1. and will be disclosed pursU£Ult to the Fed.erel Deposit Inrur~ce 

Col'POration's applicable policies> procedures; an.d other legall"'"..qui.rements . 

.IN WITNESS WHEREO~) fl;le Parties hereto have caused tlrls Agreementto be e:cecqted 

by each of them or their dUly authorized representatives on tho dates hereinafter supscripcd. 

Date: 

Date: JJ-f,..:z-/:~.o T.i 

FEDERAL DEJ?OSITn.lSURANCE CO:RPOM:TION 

:RECEIVER FOR. PREMIER COMMUNlTY' BANK 

OF'Il:IE OAST 

BB:Ibara. Slott Pegg 1 

TI'rLE: Counsel for 'Pl.aintiff 

PRINtN~l 5/t>tt ~ 

S:ETI'LJNG DEFENDANT: 

(b)(6) .......................................... -r I 

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William C. Boxne 

PRINT NAME: W/LL.t /lr-M C.. PlbR.N r 

DafO: ( "Z t ( I 2ol~ Slm'LING:Dlllill:!l:!ANT: = ( (b)~)----------------~~E~~-~~~~~~~~~ 

John Elaroad ' ' 

PRn-rrNAM"E: :::r o ttJ H. ELA-1Vl.4 !) 

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SETIImG DEFENDANT: 

BY:~ =-~----------------­ Jack Gilliland 

PruNTNAME: __________________ _ 

SB.TILING DEFENDANT: 

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BY: ~r-~----~--~--------~ 

TITLE: (ec;. . C <-- ' 

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fames River lnsw:ao.ce Compan.y 

BY:----------~-------------

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PRINT NAME:-~-- ----

New~ sbiro Insurance Coxn:pauy!Lexington 

Insurllnl!-e CQm.pany 

BY: ________________________ _ 

TITLE:. __________________ --~ 

PRINT NAME: - -----

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James Rivcx lnsonutce Company 

BY:_~----·~---~ 

TITLE:_ 

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--------------- New Hhmpshire lp.suran.ce Col)lpaby/texmgton 

Insurance Company 

BY: __ _ 

TITLE:. ___ _ ( . 

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SE.Tri..ING DEFBNDANi: 

BY: 

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PRINT NAME: -------~~-

S!ITTLIN'G DEFENDAN'l.': · 

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ProNT NAME: <--• ;1 d£L.. fi •'"'- ffi--.uP 

New Hampsbiro lns'JraD.CI!: Compt\!ly!Lexington 

fusurance Comp-any 

BY: _______________________ __ 

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Date: ______ _ 

Date: ----------

Date:----------

Date:-----------

Date: /-.)./.,.. I 6 

SETTI.,INO DEFENDANT: 

International Design Consu.lting Group, Inc. d!b/a/ 

ECM 

BY: __________________________ _ 

TITLE: ___________ _ 

PRlliiTNAMB: ______________ __ 

SETTLING DEFENDANT: 

BY:~~~~------------------­ Jaok Oilllland 

PRThiTNAME: ___________ ~----

SETTLING DEFENDANT: 

Creative Design lnteroatioDal, Inc. d/b/a/ CDA 

BY: --------------------------- TITLE:. ____________ _ 

PRINT NAME: _________ _ 

James River Insurance Company 

BY: __________________________ _ 

TITLB:~-------------

PRThiTNAME: ____________ __ 

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IN THE CIRCUIT COURT OF THE FIRST JUDICIAL CIRCUIT 

IN AND FOR OKALOOSA COUNTY, FLORIDA 

Federal Deposit Insurance Corporation, 

as Receiver for Premier Community Bank 

of the Emerald Coast, 

Plaintiff, 

vs. 

William C. Home, PE, Jack Gilliland, Architect, 

John Elamad; International Design Consulting 

Group, Inc. d/b/a/ ECM, Creative Design 

International, Inc. d/b/a CDA, 

Defendants. 

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CASE NO.: 2009 CA003593 S 

STIPULATION OF DISMISSAL WITH PREJUDICE 

Plaintiff Federal Deposit Insurance Corporation, as Receiver for Premier Community 

Bank of the Emerald Coast, Crestview, Florida ("FDIC-R"), and Defendants William C. Horne, 

PE, Jack Gilliland, Architect, Jolm Elamad, futernational Design Consulting Group, Inc. d/b/a/ 

ECM, and Creative Design Intemational, Inc. d/b/a CDA (collectively with FDIC-R, the 

"Parties"), by and through tlteir respective undersigned attorneys, and pursuant to Fla. R Civ. P. 

1.420(a)(l) hereby stipulate to the dismissal of this action with prejudice, with the Parties to each 

bear their own attorney's fees, costs, and expenses incurred in this action. 

Dated this __ day of January, 2016. 

EXHIBIT A 

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ANCHORS SMITH GR.lJ\IfSLEY 

Is/ Richard P. Peterman 

Richard P. Petennann 

Florida Bar No.: 362956 

Jeffrey L. Bums 

Florida Bar No.: 40782 

909 Mar Walt Drive, Suite 1014 

Fort Walton Beach, Florida 32547 

(850) 863-4064 

(850) 243-9692 

Attorneys for Plaintiff, FDIC-R 

COLE SCOTT & KISSANE 

Is/ Clay Whittaker 

Clay Whittaker, Esq. 

Florida Bar No.: 0057944. 

715 So. Palafox Street 

Pensacola, FL 32502 

Phone:850-483-5911 

Fax: 850-438-6969 

Attorneys for Defendants William C. Horne, 

John Elamad, and International Design 

Consulting Group, Inc. d/b/a/ ECM 

WEINBERG WHEELER HUDGINS GUNN & DIAL 

Is/ Steven Gonzalez 

Steven Gonzalez, Esq. 

Florida Bar No.: 658448 

2601 So. Bayshore Drive, Suite 1500 

Miami, FL 33133 

Phone: 305-455-9500 

Fax: 305-455-9501 

Attorneys for Defendants Jack 

Gilliland and Creative Design 

International, Inc. d/b/a/ CDA 

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