(b)(2) ·,· 

IZ-APR-ZD!D ll:!BAM FROM­

~ received 
 ~~ lo/t.l!u I 


AGREEMENT OF SETI'LEMENT AND MUTUAL RELEASE 

THIS AGREEMENT OF SETILEMENT AND MUTUAL RELEASE 

(hereinafter, the "Agreement") is made and entered into by and between FEDERAL (b)(2) 

DEPOSIT INSURANCE CORPORATION, as Receiver for IndyMac Bank, F.S.B. D 

("IndyMac") (FEDERAL DEPOSIT INSURANCE CORPORATION in its capacity as 

_Receiver for lndyMac is referred to herein "FDIC~). and MARC WU.LIAMS, 

individually and doing business as M&M APPRAISALS rM&M"). FDIC and M&M 

may be referred to herein individually as "Party" and collectively as the UParties." 

RECITALS 

This Agreement is madG with reference to the following facts: 

A. On or about May 22, 2009, FDIC flled a complaint (the "Complaint") for 

money damages against M&M as well as against non-settling defendants (collectively, 

lhe "Non-Settling Defendants") justice Appraisals, B&G Appraisal Services, ABlakeley 

Appraisal Services, Michael Dalton, Jessica Stater, Anthony Blilkely, Bumadette 

Coffman, Laura L. Straaberg, and Does 1 through 10, inclusive. The Complaint alleged 

causes of acti~m against M&M for negligent misrepresentation and breach of contract I 

third party benefiCiary, in connection with appraisals by M&M (the "M&M Appraisals") 

of properties (the "Propertiesw) located at 468 IdoraAve., Vallejo, CA 94591 and 1920 El 

Dorado, Vallejo, CA 94590. The Complaint alleged rhat IndyMac relied on the M&M 

Appraisals in deciding to fund loatls (the "Loans") secured by the Properties and that the 

M&M Appraisals had been negligently prepared and contained material 

misrepresentations. The pending action which the Complaint initiated is entitled Federal 

pe.posit Insurance Comoration as Receiver for IndyMac Bank. F.S.B. y. M&M 

- 1.-

FOlC v. M&MAppralsals, et ;d. 
12-APR-2010 I I :JOALI FROM­ T-3&9 P.ooa/OI6 F-Jss 

AJw"ajsals, a California entity form unknown. et al., and is currently pending in tile 

United States District Court fer the Central District of California, Western Division (the 

"Court"), Case No. CV og...3678JFW (AGRx} (the "Actionn). 

B. On or about July 15, 2009, M&M answered the Complaint, generally. 

denying its allegott;ions and asserting numerous affirmative defenses. 

C. M&M has defended and denied, and continues to deny. the valldity of 

FDIC's claims assened in the Complaint. 

D. The Parties deem it in their best interests to enter Into this Agreement to 

avoid the WJCertainty, trouble, and expense offurther litigation. By this Agreement, the 

Parnes intend to memorialize th~ tenns of their compromise and settlement of the Action. 

AGREEMENT AND MUTUAL RELEASE 

NOW. THEREFORE, in consideration of the tmdertakings contained In this 

Agreement, and other good, valuable and sufficient consideration, tlle sufficiency of 

which js hereby acknowledged, the Parties agree as follows: 

1. Settlemenr Payment to FDIC. No later than thirty (30) days following full 

exee11tlon ofthis Agreement. or within ten (10) days of the Court's order granting 

M&M's motion for good faith settlement determination as set forth in Paragraph 10, 

below, which ever is later, M&M shall deliver to FDIC's counsel of record in the Action 

a cashier's or certified check made payable to "Mortgage Recovery Law Group Client 

Trust Accowu, f/b/o Federal Deposit Jnswance Corporation, as Receiver for lndyMac 

Banl~. F.S.B." in the amount of Two Hundred Thirty Thousand Dollars and No Cents 

($Z30,000.00) (the "Settlement Payment"). M&M shall cause this check to be delivered 

as follows: 

Kralik & Jacobs llP 

FDIC v, M&M Appraisals, e1 oJ, 
I2-APR·ZOI 0 II :20AM FROM­ T-389 P.D04/0I6 F-168 

Attn: Lois Mooni~ Jacobs 


35 North Lake Avenue, Suite 620 


. Pasadena, California 91101. 

FDIC and M&M agree that timely receipt of the Settlement Payment is an essential term 

of this Agreement, and a c;ondition to the effectiveness ofthis Agreement. 

2. Dismissal ofthe Action. Together with the execution of this Agreement, 

counsel for each Party shall execute a Stipulation of Dismissal of the Action as to M&M 

only with prejudice in the fonn attached hereto as Exhibit A. Within three days after the 

receipt and clearing of the Settlement Payment, so that good and clear funds in the 

amount agreed to herein are actually received by the FDIC, coWlSel for the FDIC shall 

:file the executed Stipulation of Dismissal With the Court. 

3. Comt to Retain Jurisdiction. The Parties agree that the Court shall have 

continuing jurisdiction to enforce the provisions ofthis Agreement to the fullest extent 

permitted by law. 

4. Release by FDIC. Subject to full performance of the obligationsand 

representations, and warnmties set forth in this Agreement. and effective upon the receipt 

and clearing of tbe Settlement Payment, so that good and clear fimds in the amount 

agreed to herein are actually received by the FDIC, and except as provided in Paragraph 

6, below, the FDIC, for itself and for each and every one of its current and former 

officers, directors, joint venturers. partners, employees, agents, servants, administrators, 

executors, predecessors (including IndyMac Banlt, F.S.B.), successors, subsidiaries, 

parents, affiliates, attorneys, insurers, representatives and assigns, conservators ancllor 

receivers, and all persons or entities acting by, through, under. for, on behalfof, or in 

concert with ~em. past or present, fully and forever releases, acquits and discharges 

-3­

FDIC v, M&M Apprabals. etol. 
12•APR·%0IO 11:20AU FRO~ T-38Q P.CC5/DI5 F-166 

M&M and its respective current and former officers, directors, joint veoturers, partners, 

employees, agents, servants. administrators, executors, predecessors, successors, 

subsidiaries, parents, affiliates, attorneys. insurers, representatives and assigns, 

conservators and/or receivers, and all persons or entities acting by, through, under, for, on 

behalf of, or In concert with them {the "M&M Releasees''), past or present. jointly and 

severally, from and againSt any and all rights, claims, debts, demands, acts, agreements, 

liabilities, obligations, damages, costs, fees (includlng, without limitation, those of 

attomeys}, expenses, actions and/or causes ofaction of every nature, character and 

description, or causes of liability, rights and offset rights, whether at law or iD equity, 

whether known or unknown. suspected or unsuspected, asserted or unasserted, including 

without limitation injunctive or equitable relief, any award ofactual. consequential, 

incidental, liquidated, or other types or categories of damages. any award ofpunitive or 

exemplwy damages, any claims for attorneys' fees, costs or expenses of litigation and 

any other type ofreUefwhich the FDIC has, may have or might have againstM&M. the 

M&M Releasees or any ofthern, pertaining to the loans, the Properties, the Complaint, 

and any and all facts, occurrences and transactions alleged in the Action, provided, 

however, that !his release is not a general release but is expressly and specifically limited 

to the Loans, the Properties, the Complaint, and any and all facts, occUITences and 

transactions alleged in the Action, and is not Intended nor shall it be deemed to release 

an.y other claims, demands, causes of actions, debts, obligations, losses, damages. 

liabilities, costs, expenses, attorneys' fees, penalties, compensation, light to indemnity 

and/or demands as to any other loans or matters that the FDIC may have or might have 

against M&M or the M&M Releasees. or any of them, including without Umitation any 

other claims, demands or acUons regarding any other mauers. This release shall not be 

-4­

FDlC v. MWAppralsalt etn 
12-APR-2010 !1:20AM FROU. T-399 P.OOS/015 F-166 

deemed to release any cla.iins, demands, causes of action, debts, obligations, losses, 

damages, liabillties, casts, expenses, attorney's fees, penalties, compensation, right to 

indemnity and/or demands chat the FDIC has agamst any of the Non-Settling Defendants. 

5. Release by M&M. Subject to full performance of the obligations and 

representations and warranties set forlh in this Agreement, and effective simultaneously 

with the release granted in Paragraph 4, above, M&M, on behalf of itself individually and 

for each and every one of its respective CWTent and former officers, directors, joint 

venturers, partners, employees, agents, servants, administrators. executors, predecessors, 

successors, subsidiaries, parents, affiliates, attorneys, insurers, representatives and 

assigns, conservators and/or receivers, and all persons or entities acting by, through, 

under, for, on behalf of, or in concert with them, past or present, fully and forever release, 

acquit and discharge the FDIC and its current and former officers, directors, joint 

venturers. partners, employees. agents. servants, administrators, executors, predecessors, 

successors, subsidiaries, parents, affiliates, attorneys, insurers, representatives and 

assigns, conservators and/or receivers, and all persons or entities acting by, through, 

under, for, on behalf of, or In concert with them (the 11FDIC Releasees"), past or present, 

jointly and severally, from and against any and all rights, claims, debts, demands, acts. 

agreements, liabilities, 'obligations, damages, costs, fees (including. without limJtation, 

those of attorneys), expcmses, actions and/or causes of action of every natl1te, character 

and descrlption, or causes of liability, rights and offset rights, whether at law or in equity, 

whether known or unknown, suspected or unsuspected, asserted or unasserted, Including 

without limitation injunctive or equitable relief, any award of actual, consequential, 

.i!lcidental, llquidated, or other types or categories ofdamages, any award ofpunitive or 

exemplary dari::l.ages, any claims for attorneys' fees; costs or expenses of litigation and 

• 5­

l'DIC v. M&M Appnisals, cl i1. 
12-APR-20 I 0 II :20All FROLI­ T-389 P.D07/015 F-166 

any other type of rellefwbich M&M may have or might have against the FDIC or the 

FDIC Releasees pertaining to the Loans, the Properties, the Complaint, and any and all 

facts, occurrences and transactions alleged in the Action, provided. however, that this 

release is not a general release but is expressly and specifically limited to the Loans, the 

Properties, the Complaint, and any and all facts, occurrences and transactions alleged in 

the Action, and is not intended nor shall ii be deemed to release any other claims. 

demands, causes of actions. debts, obligations, losses damages, liabilltles. costs, 

expenses, attorneys' fees, penalties, compensation, right to indemnity and/or demands as 

to any other loans or matters that M&M may have or mi~t have against the FDIC, 

including without limitation any other claims, demands or actions regarding any other 

matter. This release shall not be deemed to release any claims, demands, causes of 

action, debts, obligations, losses, damages, liabilities, costs, expenses, attorney's fees, 

penalties, compensation, right to Indemnity illl.dlor demands that Non-settling Defendant 

Michael Dalron may have against FDIC. 

6. Express·Reservations from Releases by FDIC. Notwithstandlng any other 

provision contained herein, by this Agreement, the FDIC does not release, and expressly 

preserves fully and to the same extent as ifthe Agreement had not been executed (a) any 

claims or causes of action that do nm arise from or relate to (1) the Loans, {ii) the 

Properties, or_ (iii) any and all facts, occurrences and transactions alleged in the Action, 

and (b) any action taken by or any claims that may be asserted by any other federal 

agency as to any matters, including without limitation any matters that may be based 

upon or arise ~ut ofthe acts alleged in the Action. In addition, this Agreement does not 

purport to waive, nor is It intended to waive, any claims which could be brought by the 

United States through either the Departmenr ofJustice, the United States Attorney's 

-6­

FDIC v. M&M Apprals;sls, e1 ;JI. 
12-APR-2010 11:Z1AM FROM­ N89 P.OOB/015 F-166 

Office for the State of California, Central District, or any other federal judicial district. 

including any rights, if appropriate. to court ordered restltution pursuant to the relevant 

pro-mions of the Victim and Witness Protection Act, 18U.S.C. § 3663, et seq. 

7. 'No Admission of Liability. The FDIC acknowledges that this Agre~ment 

does not constitute an admission by M&M as ro the merits of any claim that the FDIC or 

its predecessors in interest, including IndyMac, has asserted, or could have asserted, in 

the Action and that M&M has denied and continue to deny that M&M has any liability to 

the FDIC as alleged in tpe Action. Likewise, M&M acknowledges that this Agreement 

does nor constitute an admission by the FDIC tljat B.JlY asserted claim 1s or was in any 

way lacking 1n merit. and M&M also aclmowledges that this Agreement does not 

constitute an admission by the FDIC as to the merits ofany claim that M&M has 

asserted, or could have asserted, in the Action. NevBrl:heless, the FDIC and M&M have 

concluded that continued litigation would be expensive and protracted and that it is 

desirable that the Aclion be settled fully and finally as between the FDIC and M&M in 

the manner and upon the terms and conditions set forth in this Agreement. 

8. Waiver tmder Section 1542 of California Civil Code. Subject [0 the 

limitations COI'Itained therein and in paragraph 6, above, the releases as set forth in 

paragraphs 4 and 5 are intended by the Parties to be read and interpreted as broadly as 

possible to affect the releases set forth therein regardless of whether the claims are 

presently knowtl or unknown to the Parties. This Agreement is made by the FDIC and 

M&M freely and with independent legal advJce and counsel, and the FDIC and M&M are 

fully aware of the provisions ofSection 1542 of the Civil Code of the Srate of California. 

which reads as follows: 

-7­

FDIC v. M&M Ajlpi'IIISils. eta!. 
IZ-APR-ZOIO ll:21AU FROM- T-389 P.009/015 F-166 

"A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS 

WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO 

EXIST IN IllS OR HER FAVOR AT TilE TIME OF EXECUTING 

THE RELEASE, WinCH IF KNOWN BY HIM OR HER MUST 

.HAVE MATIDUALLY AFFECTED IDS OR HER SETI'LEMENT 

WITH THE DEBTOR." 

However, this is a limit~d release and not a general release and is only intended to 

release those claims specifically identified in paragraphs 4 and 5 of the Agreement and is 

specifically limited by the limitations contal.ned in those paragraphs and in paragraph Gof 

this Agreement. Nevertheless, to the extent CivU Code section 1542 {as well as any other 

or successor law ofsimilar effect) applies to the Agreement. the FDIC and the M&M 

waive any rights, benefits and protections they may have under section Civil Code 1542 

. . 

to the extent necessary to effectuate the Releases set forth herein in Paragraphs 4 through 

6, inclusive, herein. 

9. Covenant Not to File New Administrative Claim or Grievance. FDIC 

hereby warrants that it w:ill not initiate or cause to be initiated any action or proceeding 

against M&M which anses out of or relates, in whole or in part, to any Loans, tbe 

Properties, the Complaint, and any and all facts, occurrences and transactions alleged in 

!:he Action. FDIC further agrees not to .file any grievance against M&M and its 

respective ag~ts and employees wirh the Better Buslness Bureau, Department of Real 

Estate, Department of Corporations. or the Department of Consumer Affairs with regard 

to the Loans, the Properties, the Complaint, and any and all facts, oCCUITences and . 

transactions alleged in the Action. However, this paragrapl1 shall not be construed to 

restrict the rights of FDIC against any of the Non-Settling Defendants and shall not 

-8­

IID!C v. M&M Appl:lls:!ls, e1al 
12•APR-2DIO. II :21AU FROM­ T-389 P.010/015 F-166 

abrogate any duty or obligation that FDIC may have to respond to any complaint, 

grievance or inquiry that might be instituted by any other party with any governmental 

agency. 

10. · Court Determination of Settlement In Good Faith. The Settlement 

Payment set forth in Paragraph 1above shall be subject to a good faith settlement 

determination upon the application or motion of M&M filed with the Court pursuant to 

California Code of Civil Procedure Seetions 877 and 877.6 (the· "Motion"). The Motion 

shall be flled Withln ten (10) days of the Parties' execution of this Agreement IfM&M 

does so, FDIC willjoin in M&M's Motion. IfM&M fails to do so within this tirne 

period, this condition shall be deemed waived and the Settlement Payment shall be due 

and payable as otherwise set forth in Paragraph 1, above. 

11. Non-Disclosure. To the extent pennitted by law, including but not limited 

to 18 U.S.C. § 182l(s), the Parties to this Agreement hereby agree that the terms and 

conditions of tl:lls Agreement shall not be revealed to any third party by FDIC or M&M, 

or their office~, directors,joint venturers, partners, employees, agents, servants. 

administrators, exec11tors, predecessors, successors, subsidiaries, parents, affiliates, 

attorneys, insurers, representatives and assigns, conservators and/or receivers, except as 

required in coiUJection with the good faith setrlement motion contemplated herein, as 

required by court order, in cotl1lection with any action to enforc<! or interpret the rerms of 

this Agreement, or as otherwise required by law. NotWithstanding the foregoing, the 

terms and conditions of this Agreement may be disclosed pursuant to Paragraph 10, 

above. and for purposes oflegal advice, tax returns, audits, or accounting, or upon the 

written consent of the Parties to this Agreement 

·S­
12-APR-2QIO 11:21A~ FROM-	 T-389 P.OII/015 F-166 . 

12. Representations and Warranties. The Parties represent and wmant to and 

agree with each other as follows: 

a. 	 The FDIC and M&M have received independent legal advice from 

attorneys oftheir choice with respect to the advisability of entering into 

this Agreement and ofgiving the releases provided herein. 

b. 	 In connection with the execution of this Agreement and the making ofthe 

settlement provided for herein, no Pany to this Agreement bas relied upon 

any statement. representation or promise of any other Party not expressly 

contained herein. 

c. 	 This Agreement is fully Integrated and contains the enlire agreement of 

the Parties hereto. There are.no agreements or understandings between the 

Parties hereto relating to the matters and releases referred to ln this 

Agreement other than as set forth in this Agreemenr, and this Agreement 

supersedes and replaces any and all prlor negotiations and agreements 

between the Parties hereto. whether written or oral. 

d. 	 The FDIC and M&M have made such investigation of the facts pertaining 

to the releases conrained herein as they deem necessary. 

e. 	 The terms ofthis Agreement are contrar::tual and are the result of 

negotiation among the parties. Each Party has cooperated in the drafting 

and preparation of rhis Agreement. Hence, in any construction to be made 

ofthis Agreement, tlle role of the Party in drafting and preparation of the 

Agreement shall not be referred to in order to construe the Agreement 

against that Party. and the canon of contractual interpretation shall not be 

applied. 

-10­

FDIC v. M&M Appraisals, eul. 
12-APR-2010 I1:22AU FROf-4­ T-389 P.OlZ/015 F-166 

f. 	 This Agreement bas been carefully read by each of the Parties and the 

contents lhereof are known. and understood by each of the Parties. This 

Agreement Is signed freely by each party executing it 

g. 	 The Parties have not assigned or transferred any of their claims being 

released herein. 

13. Notices._ 

a. 	 All notices required or permitted to be given hereunder shall be in writing 

and mailed postage prepaid by certified or registered mail, return receipt 

requested, or by personal delivery, to the appropriate address indicated 

below or at suc:h other place or places as any Party may, from time to time, 

designate in a written notice given to rhe others. Notices shall be deemed 

served three (3) days after the date of mailing thereof or upon personal 

delivery. 

b. 	 The designated notice addresses for M&M and the FDIC are as follows: 

ToM&M: 

Spile, Siegal, Left & Goer, llP 


Ari L. Marlcow, Esq. 


16501 Ventum Boulevard, Suite 610 


Encino, California 91436 


To tile FDIC: 

Kralik & Jacobs LLP 


Lois M.Jacobs 


Anastasia E. Bessey 


35 North Lake Avenue, Suite 620 


Pasadena, California 9ll01 


14. Modifications. This Agreement may not be amended, canceled, revoked 

or otherwise modified except by written agreement subscribed by all of the Parties to be 

-11­

wrc v. M~ Appraisals. er a1 
12-APR-2010 11:22AU FROM- T-389 P.013/015 f-166 

charged with such modification. 

15. Agreement Binding.on Successors. This Agreement shall be binding 

upon, and shall inure to the benefit of, the Parties hereto and their respective officers, 

directors. joint venturers, partners; employees; agents. servants. heirs, administrators, 

executors, successors, representatives and assigns. 

16. Severability. In the event any provision of this Agreement shall be held to 

be void. voidable or unenforceable, the remaining provisions shall remain i.ri full force 

and effect 

17. GoverningLaw. This Agreement shall be construed in accordance with, 

and be governed by, the laws of the United States and the State of Callfomia. 

18. Warranty of Authority. Each Party or attorney whose s.ignatme is affixed 

hereto In a representative capacity represents and warrants that he or she is authorized to 

execute this Agreement on behalf of and to bind me entity on whose behalf his or her 

signature is affixed and that he or she is acting jn the scope of such agency and authority. 

Each Party specifically represents and warrants that no signatures other than those made 

on tbis Agreement are necessary to bind the Parties to all ofthe obligations imposed by 

the Agreement. 

19. Attorneys' Fees and Costs. The FDIC and M&M each agree to pay their 

own costs, attorneys' fees and expenses incurred in connection with the Action. In the 

event that any action, suit or other proceeding 1$ in$tituted to remedy, prevent or obtain 

relieffrom a ~reach of this Agreement, a.rising out of a breach of this Agreement, 

involving claims within the scope of the release contained 1n this Agreement or 

pertaining to a declaration ofrights under this Agreement, the prevailing Party shall 

recover its reasonable attorneys' fees incurred in each and every such action, suit or other 

FD!C v. M&M Appnlsals. etal. 
JHPR-ZDIO l1 :2ZI.I.f EROM· 

p~~i\iiiJ!,Inciuilin&~Y anihll DJ)jltal$ or pe~liotlltbcrefro!ii. ')' ... -·- . 

'.io. r.yunterMrtS'. ·1Jif5Agrecmmt~y bc~xccii!Cclliu)n~ Qr'mbrc 

t<nml~ms. eachofwhicb \!'lirA~~lUI,4 i!el,i~~ wll 1?e o~&lolll; 1:11!1 !II oi 

whlcb \v]l¢11Ciiri1:1Jiod $b~II <.Q~Wit lin~ ailil'~~iil~!JiS~~ StgDI!juJes o~IhJs 

f\~t, i;lr 1111)' iO;!iWJJa.l'Brt Of~hl~_f\p.:cnit;n~ ~~~l1y ticsllliile.Jim~e or 

.1;/t~nie rilailln.parr~a.tshiiiiJ!il)ic llu: ~!lib rllrta 1111;1 cffcaas. odg111al siilJI31lU'ey. 

INWl'J'li!_ESS 'YJU!MOF", the~~ bi:r~i,a)iii'e ~ec~led ihia A,SfCQI1cnton, 

lh; ~~~~ffO'rlh 1oolcriii, 

Daled: tbo .· ,20lO FEDI!Ri\t DI!POSiT lNStJIV.NCR 

'CoRPOAATION; A.S lU!CElYER. FOR. iNDYM!..i::)JANK, .F.sa . . . . 

B~~~~~~------------~ JU!,.. .... f........_,. __t;..,_,~·-"';.:;"""s'-"'~:;.1__~­ :MJ;Ri::~, la~vidliAU)' iuidlloiug 

l!~~:~ln~s liS M&.M AJli111isLilc ·· 

~ 

liT,·~--,._!..,. b":'M~o.... oiil"':'·J:&~JP'""to'-=bs""'·-­ .. Auamc~ far tlic·F~t:ml,bq,o,jl 

~tCOrpilloticin, .,.. Rl:a:lvc:i fcir ... l'lid)'Mae Bllllk;,P.:S.B. 

(b)(6) 

(b)(6) 
12-APR-ZOI 0 II :UAU FROM-	 T-389 P.OI4/016 F-166 

p;occcding, izll:ludil1g any and aU 11ppeals cr petiliOllS then:ficm. 

lD. til!UI!I!TP•.rts· 'Dds Agreemtnl may be cxeeuled In ona m marc 

countcrparu, eooh orwhich when execu!edat1d delivlnd &ball be IQl orlglaal, 1111d d1 of 

which wbcn r:xr;c~d &bill ~01151itnll:: Dllc BUd the same ID.wum~m~ Slgoarures en this 

A~r, or lUI)' ~~~un~lltl gfthls AS~t=cmcnr, mmsm!Ur;d by llu:silnile mncb.Ine or 

e/cetn:Jni~;: nmfl ill .pdffi)rmll1shllll hQVt !he Slim~ f11r1:1:0 1111d effect!Ill original Sl!lllllrures. 

IN W.ITNESS WHEREOF, tbc Pllrties hetelo have c:xecutetl llli& Agreerncqt on 

the: det;2 31:t ftmh below, 

Dated: _____.. 2010 :FEDERA.t. DBPOSlT INSURANCE 

CORPORATION, AS RECEIVER. FOR 

lNDYMAC .BANK, F.S.B. 

Br._______________ 

1~-----------------

Daltd; ----":1010 	 MARC WILLIAMS, individually nod doinB 

bll!lness 119 M&M Appt:~islll' 

(b)(6) 

APPROVED AS TO FORM: 


Dated: _______,:1010 KRALIK&.JACOBSUP 


ar.__~~~~~~--­ l.oisMt~cnllzJpcobs 

AUallll:)'5 for the Fedcmal D~:po.slt 

lnsluunce COipo!BtiDn, as JU:ccivcr for 

IndyMal: Bllllk, f .S.B. 

-13­ FDIC•. hlllol Appnlnl~clod. 
12-APR-2010 I 1 :22AIA FROIA- T-389 P. 015/015 F-1 BB 

Damd: ¢2. '2010 (b)(6) . 

(b)(6) 

B~--~~~~~----- . ar ow 

Attorneys for Mark Williams dba 

M&M AppraJsals 

-14­

FDIC v, M&M Appr.ilsills, ~Ill.