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blue flame 72821

Date
2021-07-28

Summary

The transcript of a motions hearing held July 28, 2021 in Blue Flame Medical LLC v. Chain Bridge Bank, N.A., Civil Action No. 1:20cv658, before Judge Leonie M. Brinkema of the U.S. District Court for the Eastern District of Virginia, filed August 1, 2021 as Document 169. The case includes a counterclaim by Chain Bridge Bank against Blue Flame Medical and a third-party claim against JPMorgan Chase Bank, N.A. The court frames the dueling summary judgment motions around whether a reasonable jury could find that the plaintiff had any damages. Counsel for Chain Bridge argues that damages under Section 404(a) cannot be shown because California declined to proceed with the mask transaction and because Blue Flame could not have supplied 100 million N95 masks. The hearing closes with argument on attorneys' fees and indemnification, and the court takes the motions under review in chambers.

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                                 UNITED STATES DISTRICT COURT
                             FOR THE EASTERN DISTRICT OF VIRGINIA
                                     ALEXANDRIA DIVISION

         BLUE FLAME MEDICAL LLC,       .           Civil Action No. 1:20cv658
                                       .
              Plaintiff,               .
                                       .
         vs.                           .           Alexandria, Virginia
                                       .           July 28, 2021
         CHAIN BRIDGE BANK, N.A.,      .           2:34 p.m.
         JOHN J. BROUGH, and           .
         DAVID M. EVINGER,             .
                                       .
              Defendants,              .
                                       .
         ------------------------------X
         CHAIN BRIDGE BANK, N.A.,      .
                                       .
              Counterclaim Plaintiff, .
                                       .
         vs.                           .
                                       .
         BLUE FLAME MEDICAL LLC,       .
                                       .
              Counterclaim Defendant. .
                                       .
         ------------------------------X
                                       .
         CHAIN BRIDGE BANK, N.A.,      .
                                       .
              Third-Party Plaintiff,   .
                                       .
         vs.                           .
                                       .
         JPMORGAN CHASE BANK, N.A.,    .
                                       .
              Third-Party Defendant.   .
                                       .
         . . . . . . . . . . X

                            TRANSCRIPT OF MOTIONS HEARING
                       BEFORE THE HONORABLE LEONIE M. BRINKEMA
                             UNITED STATES DISTRICT JUDGE


                                        (Pages 1 - 53)


                  COMPUTERIZED TRANSCRIPTION OF STENOGRAPHIC NOTES



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    1    APPEARANCES:

    2    FOR BLUE FLAME MEDICAL LLC:        PETER H. WHITE, ESQ.
                                            JASON T. MITCHELL, ESQ.
    3                                       GREGORY KETCHAM-COLWILL, ESQ.
                                            Schulte Roth & Zabel LLP
    4                                       901 15th Street, N.W., Suite 800
                                            Washington, DC. 20005
    5

    6    FOR CHAIN BRIDGE BANK, N.A.;       GARY A. ORSECK, ESQ.
             JOHN J. BROUGH; AND            MATTHEW M. MADDEN, ESQ.
    7        DAVID M. EVINGER:              DONALD BURKE, ESQ.
                                            LESLIE C. ESBROOK, ESQ.
    8                                       ZACHARY N. FERGUSON, ESQ.
                                            CAROLYN FORSTEIN, ESQ.
    9                                       Robbins Russell Englert Orseck
                                            Untereiner & Sauber LLP
   10                                       2000 K Street, N.W., 4th Floor
                                            Washington, DC. 20006
   11

   12    FOR JPMORGAN CHASE                 ALAN SCHOENFELD, ESQ.
             BANK, N.A.:                    MARISSA W. MEDINE, ESQ.
   13                                       Wilmer Cutler Pickering Hale &
                                            Dorr LLP
   14                                       7 World Trade Center
                                            250 Grenwich Street
   15                                       New York, NY 10007
                                              and
   16                                       ALBINAS J. PRIZGINTAS, ESQ.
                                            WHITNEY RUSSELL, ESQ.
   17                                       Wilmer Cutler Pickering Hale &
                                            Dorr LLP
   18                                       1875 Pennsylvania Avenue, N.W.
                                            Washington, D.C. 20006
   19

   20    OFFICIAL COURT REPORTER:           ANNELIESE J. THOMSON, RDR, CRR
                                            U.S. District Court, Third Floor
   21                                       401 Courthouse Square
                                            Alexandria, VA 22314
   22                                       (703)299-8595

   23

   24

   25




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    1                              P R O C E E D I N G S

    2                 THE CLERK:    The Court calls Civil Case Blue Flame

    3    Medical LLC versus Chain Bridge Bank, N.A., et al., Case No.

    4    2020cv658.    May I have appearances please, first for the

    5    plaintiff?

    6                 MR. WHITE:    Good afternoon, Your Honor.           Pete White

    7    for plaintiff, Blue Flame Medical.         With me on my side of the

    8    room are Greg Ketcham-Colwill and Jason Mitchell from my

    9    office.

   10                 THE COURT:    Good morning -- good afternoon, rather.

   11                 MR. WHITE:    Good afternoon.

   12                 THE COURT:    All right.   For Chain Bridge?

   13                 MR. ORSECK:    Good afternoon, Judge.         I'm Gary Orseck

   14    from Robbins Russell for Chain Bridge and the individual

   15    defendants, and with me today are my colleagues, Matthew

   16    Madden, Donald Burke, Leslie Esbrook, Carolyn Forstein, and

   17    Zach Ferguson.

   18                 THE COURT:    All right.   And for JPMorgan?

   19                 MR. SCHOENFELD:    Good afternoon, Your Honor.              Alan

   20    Schoenfeld from Wilmer Cutler Pickering Hale & Dorr for

   21    JPMorgan Chase, and I'm joined by my colleagues --

   22                 THE COURT:    You have to speak up louder.

   23                 MR. SCHOENFELD:    Alan Schoenfeld from Wilmer Cutler

   24    Pickering Hale & Dorr for JPMorgan Chase, joined by my

   25    colleagues, Whitney Russell, Al Prizgintas, and Marissa Medine.




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    1                THE COURT:    All right.    We have multiple motions

    2    before the Court, and again, we've been through the record, so

    3    I don't need to hear a huge amount of argument, but I will

    4    start with the defendants Chase Bank -- I'm sorry, Chain Bridge

    5    Bank's argument.

    6                It seems to me that the core issue in this case,

    7    which is before the Court on dueling summary judgment motions,

    8    is whether or not there is sufficient evidence in the record as

    9    it's been developed that there's any -- that any reasonable

   10    jury could possibly find that the plaintiff had any damages

   11    from what happened here.

   12                MR. ORSECK:    Thank you, Your Honor.          I will address

   13    that.    You're referring to Count 1, I believe, of the --

   14                THE COURT:    Well, Count 1 as well as the state law

   15    count.

   16                MR. ORSECK:    That's true.     For two independently

   17    sufficient reasons, the plaintiff fails to adduce any jury

   18    submissible evidence that it could prove any damages in a jury

   19    trial.    The first reason, which comes straight from the

   20    language of Section 404(a), is that it must adduce evidence of

   21    damages, quote, resulting from in this case Chain Bridge's

   22    refusal to pay.

   23                The first reason it can't do that is that it's

   24    undisputed that the State of California made a decision not to

   25    move forward with this transaction as soon as the State




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    1    Treasurer's Office learned the true and basic facts about Blue

    2    Flame Medical.      Those were that its principals and its entire

    3    organization had no experience in medical supply or, indeed,

    4    any supply, and instead were political operatives.                California

    5    learned that when it spoke to Chain Bridge and, I believe, when

    6    it spoke to JPMorgan as well.

    7               It also learned that, that Blue Flame had just been

    8    incorporated three days before and had just opened a bank

    9    account the day before.      As soon as that happened, the State

   10    Treasurer's Office representative, Ms. Gonzalez, told Chain

   11    Bridge, "Please wait to credit this transfer until we can find

   12    out additional information."       That's the transcript of her

   13    deposition, at page 50.

   14               Forty minutes later, at 2 p.m., the State Treasurer's

   15    Office asked JPMorgan to recall the funds because California

   16    was not comfortable with the state's due diligence.                 That comes

   17    from the deposition of Mr. Korpal, who is JPMorgan's global

   18    head of security, at pages 21 and 22.

   19               And then Ms. Gonzalez at 3:19 e-mailed JPMorgan and

   20    asked, this is Exhibit 66 of our motion, "Is it possible for

   21    JPMorgan to reach out to the Chain Bridge Bank and see where

   22    the wire recall process is in the process?"

   23               And it is undisputed that once the wire was returned,

   24    Blue Flame Medical's representatives petitioned California to

   25    go ahead after all with the transaction, even though the money




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    1    had been returned, and California rebuffed Blue Flame, stating

    2    explicitly that this is because you now have credibility

    3    issues, and we're not going to move forward.

    4               It is undisputed that California had every right to

    5    terminate for convenience, that term was written right into the

    6    procurement order, which is Exhibit 7, which incorporated a

    7    standard document that said that California had a unilateral

    8    right to terminate for convenience if it was, quote, in the

    9    state's interest.

   10               So the reason I mention this first reason that they

   11    cannot adduce damages is we don't have to wonder what the

   12    counterfactual world would look like.          We know as a matter of

   13    fact that when California learned indisputably true facts about

   14    its counterparty, it pulled the plug and decided not to move

   15    forward.

   16               So that means that Blue Flame cannot adduce evidence

   17    that its losses, if any, resulted from my clients' refusal to

   18    pay.   It undoubtedly was caused by California's deciding not to

   19    go forward based on its learning of true facts.               That is enough

   20    to dispose of the claims, as you put it, the state law claims

   21    and Count 404 because they can't show causation at all.

   22               The second reason that is independently sufficient is

   23    that even if you put aside everything I just said, there is no

   24    jury submissible nonspeculative evidence on which a jury could

   25    conclude that Blue Flame Medical could have performed the




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    1    contract in any event, and I'm going to give you the two main

    2    reasons for that.

    3                The first is that our expert in medical procurement

    4    and supply asserted without contradiction or rebuttal that Blue

    5    Flame's promise to procure 100 million of four particular types

    6    of N95 masks exceeded China's total exports of N95 masks to the

    7    United States between March and the middle of April 2020.

    8    That's paragraph 48 of Mr. Faulkner's report.

    9                And even by the end of April, China was exporting

   10    only 5 million masks total per day.         These are a small subset

   11    that California ordered, namely, four particular types.

   12                So that's the first point that shows the notion that

   13    Blue Flame could have procured all those masks is preposterous.

   14    They also have not adduced evidence that they had an inventory

   15    of masks.

   16                There is a lot more that we put in the record showing

   17    that the schedule that they provided on March 25 to California

   18    was simply scribbled up in multiple versions by their counsel,

   19    Mr. Bearman.    He first had a version that said they produced 58

   20    million, and then minutes later, he had another version that

   21    said that they would produce 100 million, with no evidence that

   22    he got that information from anybody who was in any position to

   23    supply them.

   24                But I think second -- and again, proving the point

   25    and showing that we don't -- there's no basis on which a jury




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    1    could engage in some kind of hyper- -- I'm sorry,

    2    counterfactual speculation about what would have happened is we

    3    know what happened.     We know what happened because Blue Flame's

    4    outside counsel at Mayer Brown, Exhibit 73, responded to the

    5    inquiries of congressional investigators and disclosed that

    6    Blue Flame failed to fulfill its 13 other customers' much

    7    smaller orders in March and April, a failure that it ascribed,

    8    under a duty, obviously, to be truthful with Congress, because

    9    of Chinese export restrictions and the failure of Blue Flame's

   10    China-based supplier to come through.          It didn't say that it

   11    failed to do any of this because of Chain Bridge's return of

   12    the wire.

   13                In their brief, Blue Flame points out, well, we

   14    produced a million and a half masks to the State of Maryland.

   15    That order came in on April 1 and was fulfilled sometime after

   16    October pursuant to a settlement with the State of Maryland,

   17    and they produced 96,000 masks that they produced to the City

   18    of Chicago on May 26.

   19                But there is no evidence in the record, and I think

   20    this is important, that either of the two middlemen brokers who

   21    Blue Flame intended to rely upon to provide these masks,

   22    namely, Great Health Companion, that was Mr. Henry Huang's

   23    company in China, and Suuchi, which was going to produce

   24    6 million out of the 100 million, there is no record evidence

   25    that either of those entities ever supplied a single mask to




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    1    Blue Flame.

    2                 So there is the, the impossibility of performance

    3    based on undisputed facts about the capacity of China to

    4    produce N95 masks in general, putting to one side these four

    5    particular brands; and then second, we happen to have a

    6    historical record of Blue Flame's capabilities, and Blue Flame

    7    was unable to provide these masks to its other customers.

    8                 So that leaves Blue Flame's contrary assertions to be

    9    unsupported speculation of a type that is not jury submissible

   10    and is insufficient to overcome summary judgment.

   11                 The last thing I'll say on this is at the last

   12    minute, Blue Flame adduced a declaration from Mr. Huang, which

   13    is Exhibit 95, and Mr. Huang attests in his declaration in

   14    conclusory fashion that he could have produced a great number

   15    of masks, he doesn't go so far as to say he would have done it

   16    within the 30 days required under the contract, and he also

   17    says without support that the Chinese government would have let

   18    him do it.

   19                 This is not in itself or in combination with anything

   20    else a sufficient basis to overcome summary judgment first

   21    because of the procedural problem with it.             We've cited cases

   22    demonstrating that an individual who was subpoenaed to give a

   23    deposition and to produce documents, as Mr. Huang was by us,

   24    cannot parachute in at the end of discovery and submit a

   25    declaration that's untested by the other side, and this is




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     1   particularly egregious here in that there's a contemporaneous

     2   e-mail from him to Blue Flame, which is Exhibit 83, all the way

     3   back on April 7, and he said orders of this size, quote, would

     4   be impossible to fulfill.

     5               We never got to test that because he refused to make

     6   himself available despite admitting that he could have left

     7   China to give a deposition, he could have returned to China,

     8   but he would have been quarantined for some period of time.

     9               THE COURT:    So, I'm sorry, let me make sure I'm clear

    10   about that.    He was not deposed or he was deposed?

    11               MR. ORSECK:    He was not deposed.

    12               THE COURT:    He was not.

    13               MR. ORSECK:    We served the notice of deposition and

    14   the document subpoena.      He said, "I can't do it because China

    15   won't let me," and he said he wouldn't leave China because he'd

    16   have to quarantine on the way back in, and he wasn't willing to

    17   do it.

    18               We asked to him and to Blue Flame to be included in

    19   any discussions about a possible deposition because very late

    20   in discovery, we got a notice from Mr. White's firm that they

    21   were hoping to after all depose Mr. Huang, and we said we want

    22   to be a part of that.      We want to know the scheduling.               And it

    23   never happened.

    24               So the first reason his declaration is insufficient

    25   to overcome summary judgment is because it's improper, but I




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     1   would say even more to the point, his assertions in that

     2   declaration are conclusory, and Rule 56(c)(4) says summary

     3   judgment affidavits cannot be conclusory.             All he says, without

     4   any support, is that Great Health Companion could have procured

     5   100 million masks and that he would have gotten the Chinese

     6   government to allow him to do it.         That's easy enough to say,

     7   but it's not credible even if it were admissible, and it's not.

     8               So those are the two main reasons why Blue Flame

     9   cannot prove damages to a jury.        First, there is no damage to

    10   them resulting from Chain Bridge's return of the wire.

    11   California had 100 percent right at any time it wanted to

    12   cancel this contract.      Even if, even if Blue Flame had already

    13   been paid, China had a -- California had an unfettered right to

    14   terminate the contract, recall the money, and we know it would

    15   have done so because it did so.

    16               And the second reason is Blue Flame could never have

    17   procured this great number of masks at that time in competition

    18   with the rest of the world.

    19               THE COURT:    Thank you.

    20               All right, Mr. White?

    21               MR. WHITE:    Thank you, Your Honor.           To address those

    22   in turn, Your Honor, first off, as to the contract with

    23   California, that actually is an incorrect description of the

    24   contract.    While there were termination rights in the contract,

    25   there were notice provisions and a number of other things that




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     1   would have had to have occurred for that contract to be

     2   terminated.

     3               The problem here is because defendants intervened

     4   with the State of California and poisoned that well by accusing

     5   my clients unjustifiably of fraud, that caused certain actions

     6   by the State of California, classic tortious interference with

     7   contract, classic in violation of both federal law and state

     8   law in what they did.

     9               THE COURT:    Well, I don't think -- I don't think the

    10   record shows that anybody at Chain Bridge accused your client

    11   of fraud.    They simply were concerned about the unusual nature

    12   of what was going on, that is, that a company that had just

    13   barely been formed was getting this significant amount of money

    14   being sent to it, and I think, you know, they certainly saw

    15   smoke.

    16               They certainly were concerned about whether this was

    17   legitimate, but even the attorney for your client was alerting

    18   your clients that this large amount of money could very well

    19   trigger concerns by a bank and that they needed to make sure

    20   that the bank was adequately prepared for that situation.

    21               MR. WHITE:    Certainly, Your Honor, and that's why

    22   Mr. Gula on the 25th had conversations with the bank letting

    23   them know exactly what was coming in, exactly what it was for,

    24   the amount that was going to be coming in, who the counterparty

    25   was, and how it was going to be used, and that same day, the




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     1   two most senior officers at the bank called Mr. Gula and had a

     2   conversation with him about exactly these issues.

     3               If that was their concern, Your Honor, they would

     4   have told Mr. Gula, "We're not interested in that transaction."

     5   They would have told Mr. Gula perhaps even that the account

     6   would have been closed.      They would have set up a block in

     7   their system to keep that from coming in.

     8               They did none of those things.           The problem is, what

     9   they found out was after agreeing to this transaction that

    10   hadn't even hit their balance sheet, they realized they were

    11   going to have a huge balance sheet problem, and they couldn't

    12   keep it on their books.      Their records, their e-mails, their

    13   internal e-mails don't talk about any of these issues.                   They

    14   talk about that immediately.

    15               And instead of investigating and seeking to contact

    16   Mr. Gula to find out any other information, they interceded,

    17   and what were they doing when they called California?                   Were

    18   they, were they just trying to find out more information about

    19   the transaction?     No.   They were giving information.

    20               They weren't trying to get information.               They were

    21   giving information, and their purpose in doing so was to keep

    22   this from remaining on their balance sheet because that would

    23   create the problem that is mentioned in those e-mails.

    24               That doesn't go directly to the issues of damages,

    25   which I want to make sure I'm responsive to Your Honor.                    A




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     1   couple aspects as to damages.       Once that well had been

     2   poisoned, there was -- as Mr. Orseck recognizes, there was no

     3   possibility of going forward with California.

     4               They selectively mentioned certain facts to

     5   California, many of which California officials already knew,

     6   which was confirmed in depositions.          They selectively mentioned

     7   some things to them with the purpose of getting a recall of

     8   this transaction.

     9               I submit to Your Honor it is a -- the measure of

    10   damages both on Count 1, which is consequential damages, and on

    11   the state law claims deals with the lost profits.                 It's very

    12   easy to see that by engaging with California in a manner that

    13   clearly violated Regulation J, clearly violated federal law,

    14   what they did clearly violated federal law, a jury could well

    15   believe and we believe will believe the testimony of our

    16   clients that they were substantially damaged by that both in

    17   defamation and by the tortious interference with the contract

    18   with the State of California, but also with their, their

    19   business expectancy that they were going to make profit on this

    20   transaction, and we will be able to prove that at trial.

    21               So to say that it's not possible that this, that

    22   this -- that there's not a material issue of fact as to whether

    23   they'd be able to perform is completely inaccurate.                  Our

    24   clients testified, as is cited in our briefs, that they did

    25   believe they would be able to perform, that they did have




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     1   contracts with suppliers.      Those contracts --

     2               THE COURT:    But isn't the strongest evidence on this

     3   counterfactual issue the admissions that were made before

     4   Congress that of the, what was it, 13 contracts that, that your

     5   client ultimately did get, that they were never ever able to

     6   really satisfy any of them except for those, the two, the

     7   Chicago contract, which was such a small amount, and the

     8   Maryland contract, that was all sort of a problem?                  Those are

     9   the only two.

    10               There's no evidence in this record whatsoever that

    11   your client was ever able to get anywhere near 100 million of

    12   these masks.

    13               MR. WHITE:    Your Honor, to understand the problem

    14   that was created here, first off by Chain Bridge Bank doing

    15   what they did, their reputation was destroyed.                That made it

    16   very, very difficult for them to deal with anyone going

    17   forward.

    18               THE COURT:    But if it was so destroyed, how did they

    19   even get the 13 contracts?         I mean, I think the problem is it

    20   wasn't so destroyed that Chicago didn't enter into a contract

    21   with them or that Maryland didn't.

    22               So, I mean, that's a hard argument to make when even

    23   after the California situation, there were other entities that

    24   were willing to do business with them, but they couldn't

    25   deliver, and they couldn't deliver because in part everybody in




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     1   the world wanted these masks.       I mean, there's clear evidence

     2   of that in the record.      I could take judicial notice of that

     3   fact if I had to.

     4               But also, you've got the evidence in the record that

     5   the Chinese government, at least in terms of sourcing the

     6   materials from China, the Chinese government was putting a

     7   stamp on it, so that they couldn't get those quantities.

     8               MR. WHITE:    Your Honor, that last point, I want to

     9   address that directly because that's misleading.                That is not

    10   the amount of production that was occurring in China at the

    11   time.   That was the amount that was being exported to the

    12   United States.      There was a worldwide market competing for this

    13   supply at the time.

    14               The problem here is -- it's much like if you think

    15   about any commodities market.       Buying extremely large

    16   commodities has a certain price.         Buying spot commodities,

    17   smaller commodities, has a much higher price.               That's just the

    18   way markets work.      You have much more buying power if you are

    19   buying a much larger quantity.

    20               If they had been able to get this money where it was

    21   supposed to go, to, ultimately to Chinese manufacturers in late

    22   March of 2020, the evidence would show that they would have

    23   been able to get that production -- sorry, 2020, yes -- they

    24   would have been able to get that production because they would

    25   have had that level of buying power.




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     1               A half a billion dollars being -- or close to that,

     2   400 million, whatever it would be that would ultimately go

     3   through Great Health Companion, would give them the ability, as

     4   Mr. Huang's declaration states, would give them the ability to

     5   get supply consolidated around that California order.                   It would

     6   have taken supply that could have gone to other places, and it

     7   would have energized the creation of new production lines.

     8               THE COURT:    But that's really hypothetical and

     9   speculative, and the problem you've got is you do have the

    10   contemporaneous e-mail from Mr. Huang where he's clearly

    11   indicating that there could be real problems with the Chinese

    12   government and he wasn't at all sure he could produce that

    13   quantity.

    14               So I agree with defense counsel that the declaration

    15   that's filed solely for purposes of summary judgment,

    16   especially if there had been a genuine effort to get the same

    17   witness for a deposition, would not be admissible.                 So -- and

    18   again, this has to be admissible evidence.

    19               MR. WHITE:    Your Honor, if I may address that, I

    20   would beg to differ on that point as to whether it's

    21   admissible.    They haven't cited a case where an individual --

    22   the cases that they cite are cases where people have avoided

    23   subpoenas and avoided service of process.             That's not what

    24   happened here.

    25               There was an extraordinary event that caused




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     1   Mr. Huang's unavailability, and his unavailability would have

     2   been for a very extended period of time given if he were to

     3   leave China, he would have been quarantined, the entire process

     4   would have taken about a month, and he would have been unable

     5   to keep his employment because of what he needed -- what he

     6   needs to do there.

     7               So he -- and by the way, he was never served with a,

     8   with a subpoena of any kind.       They attempted to locate him and

     9   then abandoned their effort to communicate with him further.

    10               So it is commonly the case that declarations, as a

    11   matter of fact, Rule 56, the language of it specifically speaks

    12   to declarations and affidavits as evidence, and there are a

    13   multitude of cases that talk about declarations of people who

    14   haven't been deposed.

    15               Now, if he needs to be deposed prior to trial, that's

    16   fine, but what you're talking about is a potential credibility

    17   attack on what he had to say.       He is clearly a competent

    18   witness to say what he had to say in the, in the declaration

    19   that's been filed.

    20               In addition to the one text, I can't recall if it's

    21   text or e-mail, that talked about potential inability, there

    22   are others that say he would have been able to get it done.

    23   This is not unusual.      This was a very -- it's not unusual in a

    24   strange circumstance, as this clearly was, for there to be some

    25   back-and-forth about am I going to be able to do it, am I not




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     1   going to be able to do it.

     2               It ultimately got to the point, and the defendants

     3   know this and there is evidence in the record to support it,

     4   got to the point that he believed he would be able to do it,

     5   and he stated that confidence in the declaration before the

     6   Court.

     7               So there is evidence that this would have gotten

     8   done, and they can't be said that there is no material issue of

     9   fact in dispute as to whether there could be damages, as to

    10   whether they could have completed that mission.                Now,

    11   Mr. Orseck may have ample, ample ways to cross-examine that

    12   testimony when it comes in at trial, and he may succeed and he

    13   may not, but that's what trials are for.

    14               What the plaintiffs have put forward is their own

    15   testimony as to how they were going to execute, documentary

    16   support in the form of purchase orders from Great Health

    17   Companion and Suuchi that support it, that are uncontradicted,

    18   and the testimony of Mr. Huang, the executive with Great Health

    19   Companion, who would have the ability to perform under this

    20   contract and would have the ability to direct the Chinese

    21   government, who he is an employee of a state-owned Chinese

    22   entity, they would have the ability, as he states in his

    23   declaration, to have manufacturing facilities shift their focus

    24   toward the California order.

    25               And this is why you can't compare the much smaller




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     1   orders to the California order.         Those are so far different in

     2   size and scope.     When, when you've got a potential order for

     3   $450 million or $500 million that is out there, you're not

     4   going to listen to orders for a few thousand dollars or even a

     5   few million dollars.      It's just not going to happen.               You don't

     6   have the buying power, and that is what the, the expert for the

     7   plaintiff said.

     8                So the statement that his, his -- the expert for the

     9   defense is uncontradicted, that's not true.               The expert for the

    10   plaintiff took issue with that, and that would be an issue that

    11   would be posed at trial.      So --

    12                THE COURT:   Yeah, but you still have, as I understand

    13   it, a clear, uncontroverted evidence, I believe, from the

    14   defendants' expert as to the record of Chinese exports to the

    15   United States of these masks during the relevant time period.

    16   I mean, California was expecting to start getting delivery in

    17   April.    I think April 3 was the date that they had as is shown

    18   in Exhibit 7.

    19                And, you know, whether, whether Florida -- I'm sorry,

    20   whether China could have delivered it in 2021 is irrelevant to

    21   this case.    What's relevant is in the time frame that

    22   California was looking at, which would have been starting on

    23   April 3, that they would start getting shipments.

    24                MR. WHITE:   But, Your Honor, that actually is

    25   incorrect as well.     The one document you're referring to was an




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     1   internal California document that was not sent to, to

     2   plaintiffs.    Their agreement, their agreement was best efforts

     3   to get this done in a timely basis.           That's what the

     4   understanding of the parties was.

     5               That purchase order that caused the internal

     6   processing of the $456 million wire, that was only internal in

     7   California, and nobody testified that they were expecting

     8   delivery by April 3.

     9               THE COURT:    Well, not of the whole thing but they

    10   were expecting -- and your clients had practically told them,

    11   what, three to seven days.         I mean, there's evidence in the

    12   deposition testimony.

    13               MR. WHITE:    Well, the Suuchi masks would have been

    14   available immediately, Your Honor.           That's why they were trying

    15   to get that wire out to Suuchi that day and to get the wire out

    16   to begin shipment of masks in China that had already been

    17   located.

    18               So there would have been -- the testimony would be at

    19   trial that there would have been significant productions of

    20   masks that would have been made available to California within

    21   whatever time frame.      I don't believe April 3 is the proper

    22   time frame.    I think that's a mischaracterization of the

    23   record, but even if it were, there would have been substantial

    24   production by April 3.      That's what the evidence is going to

    25   show, and that was cut off by defendants' improper conduct.




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     1                THE COURT:     All right.

     2                MR. WHITE:     If I could address one other point, Your

     3   Honor, the measure of damages for Count 1 is foreseeable

     4   damages.    Clearly, here they knew that if they took the actions

     5   that they took, it was going to affect Blue Flame's ability to

     6   complete the California contract.           It was going to undermine

     7   it.   They knew that.       That was their intention from the

     8   beginning.

     9                So those are clearly foreseeable damages that existed

    10   there, and I believe it is an issue of fact for the, for the

    11   trier of fact to decide.        The same with the tortious

    12   interference.

    13                Count 2, Your Honor, the damages there are calculated

    14   differently.        They would be in the -- the problem in Count 2 is

    15   that Chain Bridge Bank issued a payment order from Blue Flame

    16   Medical's account without Blue Flame Medical's authorization.

    17   There's no dispute about that.          There's a document that the

    18   Court can see.

    19                The document that actually sends the payment from

    20   Chain Bridge Bank to JPMorgan in connection with the recall,

    21   that document shows that the source of the funds, the source is

    22   Blue Flame Medical.        It's Blue Flame Medical's account.

    23                They took those funds out of their account in a

    24   manner that is clearly and expressly forbidden by federal law.

    25   The measure of damages there is return of that money.




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     1               And I don't believe there's any issue of material

     2   fact as to what happened there.          Those, those funds were

     3   clearly, there was a payment order clearly without Chain

     4   Bridge's -- without Blue Flame Medical's authorization from

     5   Blue Flame Medical's account.

     6               Chain Bridge Bank issued that payment order.                    They

     7   did not attempt to nor did they get the consent of the owner of

     8   that account.        They don't have the authority to do that under

     9   federal law, and they knew they didn't have the authority to do

    10   it, but they did it anyway.

    11               They took that money from the account, which is

    12   clearly and expressly forbidden by Regulation J, which says

    13   that there are very strict rules around how banks can handle

    14   their customers' money and when they can take money out of

    15   their account and when they can't.            This clearly is not one of

    16   those cases.        They had no authority to do that, and the damages

    17   there are expressed in the statute, and the damages are

    18   rescission back to the customer of that amount that the bank

    19   improperly took.        There is no dispute in the record that those

    20   funds were improperly taken without authorization from that

    21   account.

    22               So while I respectfully disagree with the Court's

    23   concern regarding the damage -- the foreseeability of damages

    24   and the ability to prove damages, I think that's a very typical

    25   trier of fact issue.        You've got a very large contract.                It




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     1   would be unusual that there wouldn't be profit to be made from

     2   that contract.      Of course, there was going to be profit to be

     3   made from that contract, and that's how they were damaged is

     4   that lost profit and that lost business opportunity, which also

     5   affected their ability to perform on these other contracts.                      It

     6   dramatically affected their ability to perform on these other

     7   contracts because they lost that buying power, and they had the

     8   reputational hit that came with it.

     9               So all of those factors together, which were caused

    10   by Chain Bridge Bank's conduct in this case, is why we believe

    11   that that presents an issue for the trier of fact, but again,

    12   regardless, Count 2 has its own separate statutory measure of

    13   damages, and I don't think there is -- well, there is no

    14   material issue of fact as to whether the actions of Chain

    15   Bridge Bank violated the federal law as alleged in Count 2.

    16               THE COURT:    All right.     I'll hear -- wait.            While

    17   you're there, Mr. White --

    18               MR. WHITE:    Yes, ma'am.

    19               THE COURT:    -- on the defamation count, which is the

    20   last one that we haven't discussed, but the defendant argues

    21   that the statements that were made, none of them could be

    22   considered defamatory, and I think that that's a very strong

    23   argument that they make.

    24               Again, the word "fraud" was never used.               I think all

    25   of the facts that were conveyed to California are accurate,




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     1   that the company had just been started, that the owners of the

     2   company were individuals who were political consultants,

     3   lobbyists.    I mean, the word "lobbyist" can't be considered

     4   defamatory.    And so the defendants' argument, I want you to

     5   respond to that one.

     6                MR. WHITE:   Yes, Your Honor.        It's clear under

     7   Virginia law that an insinuation of fraudulent conduct is

     8   sufficient to allow for the trier of fact to determine whether,

     9   whether damages are due.      Recall what happened here.              This is

    10   Chain Bridge Bank's, Chain Bridge Bank's own customer.                   Chain

    11   Bridge is reaching out not to their own customer; they're

    12   reaching out to their customer's counterpart, and what are they

    13   telling them?

    14                They're telling them they're seeing badges of fraud.

    15   That's exactly what happened here.          They're telling them that

    16   they're seeing badges of fraud, and the reality is the reaction

    17   was dramatic, as you would expect.          This is their own

    18   counterparty's bank who is doing the extraordinary step of

    19   calling them, not calling their own customer, not calling their

    20   counterparty bank, calling the State of California, the

    21   counterparty, who they have the relationship with, and telling

    22   them facts that they consider badges of fraud.

    23                Clearly, that creates an insinuation that under

    24   Virginia law is actionable as a defamatory conduct.

    25                THE COURT:   All right.




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     1                MR. WHITE:    And just one other point, Your Honor.

     2                THE COURT:    Yeah.

     3                MR. WHITE:    I disagree that all of the facts that

     4   they, that they say they told California were uncontroverted.

     5   That's, that's not true.      There are things that they told

     6   California that, that were literally false as well, but I think

     7   the stronger argument and the clear one under Virginia law is

     8   the insinuation of fraud is sufficient for defamation.

     9                THE COURT:    All right.

    10                MR. ORSECK:    Thank you, Judge, and I'll be brief.

    11   I'm going to take these in reverse order.

    12                On the defamation claim, the evidence on this point

    13   is closed.    The California officials who were parties to the

    14   call with Chain Bridge Bank, there's no reason to think they'll

    15   come to trial, and according to all parties to that

    16   conversation, two from the State Treasurer's Office as well as

    17   the two defendants, Mr. Brough and Mr. Evinger, all say that

    18   what Chain Bridge told California on that call was that

    19   Mr. Gula was a, quote, political lobbyist; and two, he'd opened

    20   Blue Flame Medical's bank account the previous day.                  That's at

    21   Ms. Gonzalez's deposition transcript at pages 50-51 and 130.

    22                You didn't hear Mr. White say that either of those

    23   things was untrue.     In fact, in their brief at page 29, they --

    24   the best they can do is to say that there's a technical truth

    25   to these.    Technical indeed.     Another word for that is truth.




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     1                Their theory here is how dare you tell the State of

     2   California true facts about us that we never told them

     3   ourselves?    That's not defamation under any version of the law,

     4   and the controlling case that we cited, Cashion v. Smith, which

     5   is a Virginia case from 2013, explains that the insinuation

     6   theory that Mr. White was referring to is in a situation where

     7   the defendant states an opinion which carries with it an

     8   insinuation or a wink-wink, if you will, of defamatory facts.

     9                There is no case and the plaintiff cites no case in

    10   which the statement of true facts has been deemed defamatory

    11   for fear that the listener of those facts will infer something

    12   bad.   Nobody -- there's no evidence that anybody ever accused

    13   them of fraud or used words to that effect.

    14                So the defamation claim is dead in the water for that

    15   reason, and even if it weren't, the law is abundantly clear

    16   that there is a privilege that applies in trading information

    17   among people who have an interest in knowing that information.

    18                They say, well, California had no interest in knowing

    19   this information because it had already authorized the wire

    20   transfer.    That's not a tenable response.           Obviously,

    21   California was concerned with nearly half a billion dollars of

    22   its taxpayers' money.

    23                That's my response on the defamation claim.                On the

    24   Count 2, Section 204, the language of that section says that it

    25   applies if the receiving bank -- that's Chain Bridge -- accepts




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     1   a payment order issued in the name of its customer as sender,

     2   and all the cases we -- and it turns out to be unauthorized or

     3   improper.

     4               All the cases we found consistent with the commentary

     5   are cases in which some scam artist calls up the bank

     6   purporting to be the bank's customer, purporting to issue a

     7   payment order as the sender, and then the bank screws up and

     8   sends out the money.

     9               Mr. White, I listened carefully, he very carefully

    10   said that the payment order that Chain Bridge sent back to

    11   JPMorgan identified Blue Flame as the source, but, in fact, it

    12   very explicitly identified Chain Bridge Bank as the sender,

    13   which is the term used in the statute.            That's Exhibit 68.           It

    14   says it plain as day.      It says sender:        Chain Bridge Bank.

    15               So Section 204 has no application in a situation

    16   where the bank simply sends the money out.              It would be liable

    17   in every case, every case that it sends a wire, unless the

    18   beneficiary, unless the customer approves, and that's not the

    19   law.

    20               If I can circle back to a couple of comments Mr.,

    21   Mr. White made, the first I agree with wholeheartedly.                   He said

    22   that as soon as the California officials learned these two

    23   facts, that Blue Flame's principals were political lobbyists

    24   and that they had just opened the account, he said there was no

    25   possibility of going forward.




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     1               That's the whole point.       That's the whole point.

     2   Count 1 requires that the plaintiff prove damages as a result

     3   of the return of the wire, but here they lost this transaction

     4   because California learned from us what Mr. White's client

     5   never told them.     So that's the end of Count 1, but it's also

     6   the end of the tortious interference and defamation counts

     7   because those require an untrue statement or some other

     8   improper conduct.

     9               As far as Mr. Huang goes, he said there was --

    10   Mr. White said there was no further communication.                 We e-mailed

    11   him repeatedly, that's in Exhibit 114, and the cases we've

    12   cited, Dedvukaj and Henry, do not turn on the question of

    13   whether the affiant is a wrongdoer.          This is not a punishment

    14   when you exclude the evidence.        The question is one of fairness

    15   to the opposing party, and that's us.

    16               In a situation where we're in realtime,

    17   contemporaneously, he said we can't do this.               This is

    18   impossible.    To allow them to overcome summary judgment where

    19   we've never had the opportunity and may never have the

    20   opportunity to cross-examine him would be quite unfair.

    21               The notion of trying to explain away their failure to

    22   fulfill any other contracts on a timely basis on the ground

    23   that this one was much bigger and markets allow you to do much

    24   better on a big order than a small one, that is the most utter

    25   of speculation.     There is no record evidence to suggest that




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     1   any of these suppliers, both of whom, by the way, were merely

     2   brokers, to fulfill these contracts, Great Health Companion and

     3   Suuchi did not have masks.         They were arranging to provide

     4   masks, so they said.

     5               Two more points:       Mr. White said, well, you should

     6   look at the testimony of our expert.            He contradicts their

     7   expert, who said they could never have fulfilled this.                    He's

     8   referring to Mr. Prisament, and I believe it's paragraph 46 of

     9   his report at the end, and all Mr. Prisament says at the end

    10   is -- I'm not quoting it because I don't have it in front of

    11   me -- but he says:     I conclude that there is no reason to doubt

    12   that Blue Flame could have fulfilled this contract in these

    13   trying times, could have provided these masks in these trying

    14   times.

    15               Again, totally conclusory.          He may be an expert or

    16   not, but that's not sufficient to overcome summary, summary

    17   judgment.

    18               The last point, where Mr. White said, well, these

    19   statements, this whole, this whole event writ large destroyed

    20   our reputation and made it impossible for us to fulfill these

    21   contracts, number one, that rests on the doomed defamation

    22   claim.    We didn't say anything untrue.

    23               But in any event, the record is clear, and I would

    24   refer you to our expert, Laura Stamm's report, that there was

    25   no press whatsoever about the failure of this transaction until




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     1   more than a month later, which was after they'd already tried

     2   to obtain and fulfill these other contracts that they weren't

     3   able to fulfill.

     4               So just as a matter of the chronology, the notion

     5   that my client destroyed Blue Flame's reputation, thus causing

     6   damages, is a physical impossibility, even if you were to

     7   ignore the fact that nobody made any untrue statements about

     8   Blue Flame.

     9               THE COURT:    All right, thank you.

    10               Mr. White, I saw you sort of jumping around.                  Do you

    11   want to respond to some of that?

    12               MR. WHITE:    Yes, briefly, Your Honor.            As to the

    13   State of California, no California -- all the California

    14   officials that were deposed here were asked about would they

    15   have liked to have known this fact or that fact or the other

    16   fact.   They were then asked would that have made a difference,

    17   and no one said it would have.        They said it's information they

    18   would want to know, but no one said it would have made a

    19   difference to their determination.

    20               They had done their diligence on this deal, and those

    21   true facts that he says that he was letting them know, there

    22   may be some additional details that they would have wanted to

    23   know, but absolutely no one from California said that it would

    24   have made a difference.      No one testified to that.

    25               California has investigated it.           California has not




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     1   accused Blue Flame of fraud.

     2                THE COURT:   Well, if it wouldn't have made a

     3   difference, then why did they -- why did they cancel the

     4   contract?

     5                MR. WHITE:   Because, because Blue Flame's bank was

     6   making an insinuation of fraud.        It's that simple.           The State

     7   of California can't be dealing with an entity when their own

     8   bank is making an insinuation of fraud, and that insinuation

     9   was false.

    10                THE COURT:   Okay.

    11                MR. WHITE:   And that's why they would not deal with

    12   them any longer.     It didn't have anything to do with this

    13   detail or that detail.      They all testified that would have been

    14   interesting information, but I'm not saying that would have

    15   made a difference, every one of them.

    16                What they did say is what happened was once there's

    17   been an insinuation of fraud and they could get the money back,

    18   they're going to get the money back and move on, and they're

    19   not going to deal with them again.          That's the, that's the very

    20   essence of the damage here and the problem here.

    21                If I could address as well the point regarding the --

    22                THE COURT:   Count 2?

    23                MR. WHITE:   Yes, regarding Count 2.           The actual wire

    24   instruction, the wire transfer display that was produced in

    25   discovery, it's -- Plaintiff's Exhibit 45 is one of the copies




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     1   of it, it's in a couple of places, that document, it is always

     2   going to be the case that the sender in a wire transaction is a

     3   bank and the receiver in a wire transaction is a bank.

     4               The fact that the sender was Chain Bridge Bank, well,

     5   obviously, of course it was Chain Bridge Bank who do wire

     6   transfers, banks do, but that document has listed the

     7   originator of the wire, and the originator of the wire is Blue

     8   Flame Medical LLC with their account.           So the originator of

     9   that wire was Chain Bridge Bank's customer.

    10               That's exactly what 204 talks about.              It talks about

    11   a bank having -- without authority, sending money, wiring money

    12   out of a customer's account.

    13               Mr. Orseck made an interesting comment.               He said that

    14   would subject banks to liability every time they wired money

    15   out of a customer account without their authorization.                   He's

    16   right; it would and it does.

    17               Banks know they're not supposed to do that.                 Banks

    18   know they don't have the authority to do that.               Banks know they

    19   can't wire money out of their customers' accounts without their

    20   authorization.      That's why it doesn't happen, but it did happen

    21   here.

    22               And the entire structure of Regulation J and the way

    23   that the banking laws are set up is to avoid that happening.

    24   That's why, you know, it's unusual, this case, I think, is a

    25   really good case for summary judgment as to the liability




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     1   issues both between Chain Bridge Bank and JPMorgan and between

     2   Chain Bridge Bank and Blue Flame Medical because Regulation J

     3   in the structure itself and the comments explicitly

     4   contemplated this circumstance, explicitly contemplated this

     5   circumstance, and they're extremely clear as to what banks can

     6   and can't do.

     7               Banks can't send out money out of a customer account

     8   without that customer's authorization, period, full stop.                     If

     9   they do, they have to put the money back.             That's what 204

    10   says, and it can't be more clear.

    11               It also can't be more clear that that's exactly what

    12   Chain Bridge Bank did here.        They took money that was in a

    13   customer account, and they sent it out to JPMorgan without the

    14   customer's authorization, didn't even tell them they were doing

    15   it, and that's a clear violation of a banking regulation that

    16   you don't see violated very often because it is so crystal

    17   clear, and that, as I mentioned before, that doesn't hinge on

    18   any of the proof issues that the Court has mentioned regarding

    19   damages, which may I respectfully disagree, that seems to me

    20   the classic trier of fact issue that should be decided here in

    21   terms of whether they were going to be able to perform, and if

    22   so, what that level of performance would have been and what

    23   they lost out on in the benefit of the bargain when their bank

    24   called their counterparty and accused them of fraud.

    25               THE COURT:    All right, thank you.




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     1               MR. ORSECK:    May I just beg the Court's indulgence

     2   for 60 seconds?

     3               THE COURT:    All right.      I'll time you on that one.

     4               MR. ORSECK:    That's fine.       Mr. White is wrong that

     5   California said that's interesting but I don't care.                   Mr. Kim's

     6   deposition, who was the director of the department of general

     7   services, who is the director of the Department of General

     8   Services, at page 85 testified that had he learned these true

     9   facts, it, quote, would raise alarm bells; and the controller

    10   of California said in a text message to Mr. Thomas, the head of

    11   Blue Flame, that what they'd learned had raised a credibility

    12   issue.    That's Exhibit 12.       So the idea that they don't care is

    13   just wrong.

    14               Second, Mr. White is incorrect that anytime a bank

    15   returns a wire without its customer's approval, it's violated

    16   the law.    That's what 211(c) talks about, that, that when there

    17   is a cancellation, the wire may be returned without the

    18   beneficiary's authorization.

    19               And if a bank were to just spirit off a customer's

    20   money, without anybody cancelling it or without the client --

    21   the customer authorizing it, that would amount to a breach of

    22   contract between the bank and its accountholder, but 204 is a

    23   very narrow provision that refers to a circumstance in which

    24   the bank accepts a payment order from someone purporting to act

    25   as the sender, as the customer, in which case the bank is




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     1   responsible.        The law puts the burden of that mistake on the

     2   bank.

     3                That's not what happened here.

     4                THE COURT:     All right.     Now, we still have the

     5   JPMorgan motion for summary judgment, so we'll give you a

     6   chance, Mr. Schoenfeld.        Just remember to speak loud and slow.

     7                MR. SCHOENFELD:     Understood.        Thank you, Your Honor.

     8                The record is unequivocal, I think, that Chain Bridge

     9   intended to prevent Blue Flame from accessing the wire funds,

    10   and I think the record is clear on that point both on the 25th

    11   and on the 26th.        Every single action that Chain Bridge Bank

    12   took on March 25 and March 26 confirmed and furthered that

    13   intention.

    14                So with that in mind, I'd like to address Chase's

    15   argument on the parties' agreement and on causation, and the

    16   causation argument that we make in the briefs may be mooted, I

    17   think, a little bit by the exchange between Mr. Orseck and

    18   Mr. White.    We fully agree with everything Mr. Orseck has said,

    19   of course, with respect to whether Chain Bridge -- whether Blue

    20   Flame could ever have performed on these contracts and whether

    21   any of the losses may have been caused by anything that Chain

    22   Bridge did versus, as I believe Mr. White conceded, what

    23   California chose to do.

    24                With respect to this question of the agreement, the

    25   provision of 211(f) that speaks to unless otherwise provided in




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     1   an agreement of the parties, the Court has a full record of the

     2   parties' communications around the cancellation of the wire as

     3   well as their internal communications reflecting their

     4   contemporaneous understanding of what their agreement to cancel

     5   the wire entailed.     The parties discussed their respective

     6   concerns about the wire, the steps they would take to cancel

     7   it, and the form and timing of the recall request.

     8               As between the parties, indemnification was not

     9   explicitly discussed, and that makes all the sense in the

    10   world.    There was no plausible basis under these circumstances

    11   for either party to believe that Chase was going to indemnify

    12   Chain Bridge for doing something that Chain Bridge had

    13   expressly requested and openly wanted for its own reasons.

    14               Indemnification is meant to protect a party when that

    15   party increases its legal exposure at some other party's behest

    16   for that other party's benefit.        That's the common law

    17   understanding of indemnification, and it's inscribed in 211(f),

    18   both in the text and in the commentary, and no one, not even

    19   Chain Bridge, contends that indemnification under 211(f) is

    20   meant to serve any other purpose.

    21               That purpose is totally foreign to the circumstances

    22   here, and the parties knew it.        We know precisely what -- where

    23   the parties' minds met on this issue because Chain Bridge

    24   personnel tell you exactly that.         On the call between

    25   Mr. Evinger, Mr. Brough, and Ms. Mojica-Guadron, Evinger and




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     1   Brough relate all of the details of the cancellation --

     2               THE COURT:    Slow down just a second.            Slow down just

     3   a second.    I want to make sure we can get this.

     4               MR. SCHOENFELD:    Sorry.

     5               THE COURT:    All right.

     6               MR. SCHOENFELD:    So on the call between Mr. Evinger,

     7   Mr. Brough, and Ms. Mojica-Guadron, which takes place only six

     8   minutes after the second call between JPMorgan Chase and Chain

     9   Bridge, Evinger and Brough relate all of the details of the

    10   conversation they just had, all the details of the cancellation

    11   agreement between the banks, who would do what, when, and how,

    12   and Chain Bridge specifically disclaims on that call

    13   indemnification as an aspect of that agreement.

    14               They tried to clean that up on litigation somewhat,

    15   but their account is incredible.         On the one hand, they tell

    16   you that Chain Bridge personnel knew at the time that 211(f)

    17   carried an implicit indemnity.        On the other, they tell you

    18   that everyone in the industry includes the "no indemnity"

    19   language on Fedwire confirms, the transmission that conveyed

    20   the instructions to cancel.

    21               If Chain Bridge is to be believed then, their

    22   expectation at the time, at 1:43 on March 26, was that Chase

    23   was not going to indemnify them and they were willing to return

    24   the wire anyway.     That's because their incentives were concrete

    25   and they were powerful, they're reflected in the record, the




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     1   decision had been made to return the wire based on Chain

     2   Bridge's considerations, and an expectation that

     3   indemnification wasn't part of the bank's agreement.

     4               With respect to the second argument we make in the

     5   brief, which is essentially on loss causation, as I said, I

     6   think a lot of it has been mooted by the exchange between

     7   Mr. White and Mr. Orseck.      I think, as Your Honor has

     8   suggested, the record here is clear that there are no losses to

     9   Blue Flame, in which case there's nothing to indemnify, but in

    10   any event, any loss was not caused by the cancellation, which

    11   is what is required under 211(f), but it was required -- but it

    12   was caused by circumstances that have nothing to do with JPMC's

    13   conduct here or, in fact, with Chain Bridge's, but as between

    14   Chain Bridge and JPMorgan Chase, and I'll do this very briefly

    15   because I think the point is relatively moot, as between Chase

    16   and Chain Bridge, again, any loss for which Chain Bridge might

    17   be indemnified here needs to be as a result of the

    18   cancellation, not of any other consideration.               It has to be a

    19   "but for" cause of any loss that Chain Bridge might have

    20   experienced here.

    21               And again, I think the same record evidence about

    22   Chain Bridge's intention, its plans as of March 25 never to

    23   make the funds accessible to Blue Flame, defeat any claim that

    24   the cancellation itself was a "but for" cause of any loss here.

    25               And we know from the moment they were contacted on




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     1   March 25 and all of the events of March 26, that there was no

     2   intention to make these funds available to Blue Flame.                   We have

     3   all of the record evidence, the e-mails, the phone

     4   conversations, both internal and with Chase, they were

     5   withholding the funds.      They intended to return them to Chase

     6   or to California, which they spoke to and offered to return the

     7   funds.    Then they very quickly closed the accounts down and

     8   stopped communicating with their client.

     9               There's also the wire transfer policy, which I

    10   realize is a point of contention between us and Chain Bridge,

    11   but it speaks for itself.      It does have a discretionary clause

    12   that says that when the beneficiary's account number doesn't

    13   match the account number on the Fedwire confirm, there's

    14   discretion to return it, but the second sentence says if there

    15   is a question as to the beneficiary's right to funds, the wire

    16   will be returned.     It's mandatory, and there's plenty of

    17   testimony in this record reflecting that particularly under

    18   these unique circumstances that wouldn't depart from the

    19   mandatory language of its policy.

    20               And so I think again the record is undisputed on this

    21   point that this money was not going to be sent to Blue Flame

    22   for reasons having nothing to do with the cancellation of the,

    23   of the payment order.

    24               So finally there's the argument about the statutory,

    25   whether 211(f) applies here at all because this wasn't a




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     1   communication by the sender, and this consumed most of the

     2   parties' briefing, and so I'll keep it hopefully mercifully

     3   short.

     4               Indemnification is available under 211(f) when one

     5   party to a payment order cancels the transfer and induces the

     6   other party to agree.       In those circumstances, indemnification

     7   provides the inducement.

     8               And it's established as a statutory default, unless

     9   the parties otherwise agree, and I think we've discussed that

    10   issue, because the vast majority of wires are processed and

    11   cancelled with no human interaction.            The statute is set up to

    12   ensure that transfers are cancelled and returned without the

    13   need for the parties to negotiate the details or to concern

    14   themselves with future liability.

    15               None of that rationale obtains when the party

    16   returning the wire is the one that initiated the cancellation.

    17   It's not accommodating anyone's request, and there's no need

    18   for it to be indemnified.

    19               The statute doesn't contemplate a windfall or an

    20   assurance for one party's willing and self-interested acts.

    21   The statute says as much and the commentary in the law of

    22   indemnification underscore it.         Indemnification is available

    23   when the sending bank makes the request and the receiving bank

    24   agrees to it.       That's not what happened here on any fair

    25   reading of the record.




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     1               Chain Bridge's main response is that receiving banks

     2   can't initiate a cancellation, but the statute never says that.

     3   In fact, you know, 211 is quite clear when it speaks to legal

     4   or factual impossibility.      It states it in very clear,

     5   declarative language.      211(e) says a cancelled payment order

     6   cannot be accepted.

     7               Chain Bridge wants you to read the same sort of

     8   prohibition, the same sort of legal or factual impossibility

     9   into 211(a) to say that the receiving bank can never cancel a

    10   wire transfer.      That's simply not there.

    11               And there's evidence elsewhere in the record and in

    12   the statute itself that receiving banks can cancel wires.                     We

    13   point to provisions elsewhere in the statute that speak to the

    14   ability of receiving banks to process cancellations of wires.

    15   There's also the operational evidence we put in, which is the

    16   Fedwire handbook, which allows -- which instructs operational

    17   technicians about how precisely you go about returning wires,

    18   and there's evidence in there that suggests that a receiving

    19   bank can, in fact, reverse a wire.

    20               So their main argument here is that the Court doesn't

    21   even need to reach this construction of 211 and 211(f) because

    22   it's simply an impossibility for a receiving bank to do exactly

    23   what happened here, which is to request and initiate the return

    24   of the wire, and under those circumstances, 211(f) doesn't

    25   apply here because it is not the situation contemplated by this




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     1   indemnification provision.

     2               And so just to be clear on the kind of architecture

     3   of this argument, there's an argument that 211(f) doesn't apply

     4   here at all, and that's the statutory construction argument I

     5   just offered.       There's then an argument that even if 211(f) did

     6   apply here, there's no indemnification obligation here because

     7   the parties otherwise agreed, as contemplated in this

     8   preparatory clause of 211(f); and finally, even if -- if the

     9   Court were to reject the argument about the unless otherwise

    10   agreed, there's a question about what losses there are that

    11   would be indemnifiable, and that's limited to losses that are

    12   "but for" caused by the cancellation, and for the reasons that

    13   we discussed, I don't think there's any argument, there's no

    14   evidence in the record that any of the losses from Chain Bridge

    15   were caused -- would not have been caused but for the

    16   cancellation by Chase.

    17               THE COURT:     All right.      I'll hear a response.

    18               MR. ORSECK:     Thank you, Your Honor.            I will again

    19   take these in reverse order.          Mr. Schoenfeld argued first -- or

    20   last that Section 211(f) doesn't apply here, but the language

    21   again couldn't be clearer.          It says unless otherwise provided,

    22   in an agreement of the parties, if the receiving bank after

    23   accepting a payment order agrees to cancellation, then it goes

    24   on to say whether or not that cancellation or amendment is

    25   effective, then the cancelling bank is liable to the bank for




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     1   any loss and expenses, including reasonable attorneys' fees,

     2   incurred as a result of the cancellation.

     3                Comment 5 to 211(f) makes clear, and I'm quoting, if

     4   a receiving bank agrees to cancellation or amendment under

     5   subsection (c)(1) or (2), it is automatically entitled to

     6   indemnification from the sender under subsection (f).

     7                THE COURT:    Isn't there -- I want to make sure I'm

     8   clear that I understand what's going on in this respect:                    Isn't

     9   there information in this record that nobody at Chain Bridge

    10   advised JPMorgan that the monies had been credited to the Blue

    11   Flame account?      Because there is a difference between a bank

    12   getting the money and then assigning it to a particular

    13   account, correct?

    14                MR. ORSECK:    Well, it depends what you mean.               The

    15   answer to your first question is no, nobody from Chain Bridge

    16   told JPMorgan that the money had been credited to Blue Flame's

    17   account, and that's because the money was never credited to

    18   Blue Flame's account, and we have the accounting documents to

    19   prove it.

    20                THE COURT:    Well, you put a hold, you put a hold on

    21   the money.

    22                MR. ORSECK:    We did for, for the two hours between

    23   when it came out and we returned it.           It was not credited to

    24   Blue Flame during that time, but the point I wanted to get to

    25   is that's of zero legal significance under Section 211(f).                      It




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     1   makes no difference.       211(f) turns on whether the receiving

     2   bank accepted the payment order.

     3               Everybody agrees we accepted it because that happens

     4   by operation of law the moment it comes into the bank.                    That's

     5   4A-209(b)(2).       It's automatic when it comes in.            So we

     6   couldn't -- that's a post-acceptance cancellation, but it

     7   doesn't matter for purposes of 211(f) whether the money was

     8   ever credited to Blue Flame.

     9               The, the argument that Mr. Schoenfeld makes at the

    10   podium and in the briefing is he wants to import this concept

    11   of inducement was the word he used, and he suggested that

    12   211(f) doesn't apply if the receiving bank, that was Chain

    13   Bridge here, induced the cancellation; and then he asserts that

    14   we were the ones who orchestrated or induced it or

    15   stage-managed it or whatever, but there's nothing in the UCC or

    16   the commentary or any case law whatsoever that concerns itself

    17   as to any of those case-by-case facts.

    18               211(f) says in the most black line -- or clear line

    19   language possible that so long as the sending bank cancels and

    20   then the receiving bank honors that cancellation, which it is

    21   under the UCC under no obligation to do, it is automatically in

    22   the language of comment 5 and it is absolutely in the language

    23   of the Banca Commerciale Italiana case in the Second Circuit

    24   entitled to indemnification of any resulting expenses, which

    25   would include any judgment against us by Blue Flame, and it's




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     1   also entitled to indemnification for any legal fees and

     2   expenses.    That's automatic.

     3               So there is no basis for a court to inquire whose

     4   idea was it first to return the money, whose bread was buttered

     5   by the return, who stood more to benefit from it.

     6               And I think more to the point, I understand why

     7   JPMorgan keeps referring to common law concepts of indemnity.

     8   We have to look to where the burden ought to lie, should it be

     9   with them or should it be with us, but the Banca Commerciale

    10   Italiana case explicitly says, Judge Preska held and then the

    11   Second Circuit affirmed, that in drafting the UCC, the idea was

    12   to ignore common law indemnification concepts, and the case

    13   explicitly says that the concept of who is wrongful has no

    14   place.    All that has to happen is there is a request for

    15   cancellation, which there undeniably was here.               They actually

    16   set out a Fedwire notice saying please return the funds.                    Their

    17   expert agreed that that counts as a cancellation.                 It's

    18   undisputed that we honored it at 3:21 p.m. on the 26th, and

    19   that's the end of the story.

    20               All of this stuff about we orchestrated it, which on

    21   the record is completely not true, I mean, all the calls came

    22   from JPMorgan saying our global security team is looking at

    23   this and it's leading to not good places.             They called back

    24   twice more and said we're going to have to call this back

    25   because California wants us to call it back.




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     1               So on the facts, we didn't induce anything, but it's

     2   irrelevant, and the reason they're harping on this notion of

     3   whose idea it was is because the statute is so damning of their

     4   position otherwise.

     5               THE COURT:    All right.

     6               MR. ORSECK:    They say that their -- they try to say,

     7   leverage the language that says unless otherwise provided in an

     8   agreement of the parties, but it's a stipulated fact in the

     9   case that there was no agreement to displace the default rule

    10   of indemnification.

    11               Of course, there was an agreement that we would send

    12   the money back because under 211, the receiving bank, that's

    13   us, has to agree.     You don't have an obligation as the

    14   receiving bank to honor a cancellation; you have to agree to do

    15   it.   But to displace the default rule of indemnification, there

    16   has to be an agreement -- in an agreement of the parties, there

    17   has to be a provision displacing indemnification.

    18               And it's important that I note, Mr. Schoenfeld said

    19   it here and he said it in his brief, he ascribed to us an

    20   argument that the cancelling bank, in this case JPMorgan,

    21   always puts in a term that says "no indemnity."                That's not, of

    22   course, what we said.

    23               What we said is if the sending bank wants to displace

    24   indemnity and disclaim indemnity, then it has to put in that

    25   language, which the Federal Operating Circular that we cite




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     1   makes very explicit.      It puts it in all capital letters.

     2               The notion that the largest and most sophisticated

     3   bank in the United States attempted to reach an agreement with

     4   us sub silentio to displace indemnification by not saying

     5   anything is -- I know it's a cliché, but it's turning the

     6   statute on its head.      They're saying because there was no

     7   provision that said we will indemnify you, therefore, we won't

     8   indemnify you, but the statute very pointedly requires exactly

     9   the opposite.

    10               On the causation point, this one Mr. Schoenfeld said,

    11   well, this is mooted if you agree with Chain Bridge in granting

    12   summary judgment against Blue Flame because then there'll be

    13   nothing to indemnify, but this has been a very expensive

    14   litigation, through no fault of my client, and we're entitled

    15   to indemnification to be held harmless in terms of attorneys'

    16   fees as well.

    17               And so on the causation point, I agree, I agree with

    18   JPMorgan that our losses have to have been incurred, quote, as

    19   a result of the cancellation, that's what 211(f) says, but here

    20   we have a complaint from Blue Flame, and it says we're suing

    21   you because you honored that cancellation and sent the money

    22   back.

    23               It really is that simple.        So our honoring it,

    24   honoring the cancellation notice is the cause in fact of our

    25   damages.




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     1               JPMorgan's response to that is to say, well, we're

     2   going to speculate that if we hadn't cancelled the money, you

     3   were going to just up and send it back anyway or you were going

     4   to hold onto it forever.

     5               There is no basis in the record for that.                 The

     6   counterfactual that they're positing would be that when

     7   JPMorgan called Chain Bridge at 1:37 p.m. on the 26th and said

     8   we're going to be recalling those funds because we're not

     9   comfortable about this, we have to claw it back, if they had

    10   instead said to us, guess what, Chain Bridge?                We've decided

    11   we're not going to cancel, we're not going to call back, we've

    12   satisfied ourselves that Blue Flame is legit, you can go ahead

    13   and pay the money, that Chain Bridge would have said no, no,

    14   no, no.    No dice.    We're going to send it back to you anyway.

    15               There is not a stitch of evidence in the record to

    16   support any of that.       To the contrary, on that very same call,

    17   and we've printed out the transcript in the record, they

    18   followed up, it was Mr. Coffey who said, "We're going to be

    19   recalling it.       Do you need anything from me?"

    20               And the response was, "Yes.          We'd like a formal

    21   cancellation notice."

    22               And why did they want a cancellation notice?                   Well,

    23   Mr. Evinger testified because we would be indemnified if we got

    24   a cancellation notice and we honored it.

    25               We wanted there to be no mistake that we were




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     1   honoring a formal cancellation done by JPMorgan, and that is

     2   exactly what happened.      There's no other evidence that matters.

     3               THE COURT:    Mr. Schoenfeld, did you want to respond

     4   to that briefly?

     5               MR. SCHOENFELD:    Thank you, Your Honor.             Judge, very

     6   briefly on this, I'll take it in the order Mr. Orseck did, this

     7   notion that we are trying to import the concept of inducement

     8   into this, this is an indemnification provision.

     9               Comment 5 speaks very explicitly about the receiving

    10   bank agreeing to cancellation as an accommodation.                 That's

    11   speaking about the receiving bank being induced and doing

    12   something that is essentially not consistent with its wishes at

    13   the behest of another party, and it's for that reason that

    14   indemnification is made available.

    15               The idea that the common law is some stranger to

    16   211(f) is also, you know, defied by the language of the

    17   statute.    This is not about imputing common law concepts where

    18   they don't belong.

    19               The UCC explicitly says that common law concepts of

    20   indemnification are relevant to supplement the language of the

    21   statute where it's not otherwise inconsistent with the statute,

    22   and there's certainly no inconsistency with 211 or with 211(f)

    23   in reading it the way that JPMorgan suggests it ought to be

    24   read, which is to say when the sending bank cancels the

    25   transaction and the receiving bank agrees, in those




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     1   circumstances, there may be indemnification in order to induce

     2   the receiving bank to go along with the request.

     3               But on the facts here -- and I'll get to exactly what

     4   the chronology is, but on the facts here, there's no reason to

     5   impute the indemnification obligation of 211(f).

     6               With respect to this idea about the record not

     7   bearing out in any way that it was -- that the cancellation was

     8   orchestrated, initiated, whatever the language Mr. Orseck used,

     9   what we have here is insistent requests by Chain Bridge Bank to

    10   return this money.     They make it first to California twice.

    11   They say:    Do you want this money back from us?

    12               And California says:      No, not now.

    13               They then go to Chase and they say:             Do you want this

    14   money back from us?

    15               I think what's critically missing from Mr. Orseck's

    16   chronology here, the uncontroverted testimony of Mr. Korpal,

    17   the person in charge of this at Chase, who said:                I was content

    18   to have Chain Bridge hold these funds, and I would not have

    19   recalled the transaction had Chain Bridge committed to continue

    20   holding the funds.

    21               And it was because on that 1:34 call Chain Bridge

    22   requested that the money be returned that Chase then decided

    23   that it would agree with Chain Bridge's request and recall the

    24   funds rather than letting them sit at Chain Bridge to ensure

    25   that they didn't go on to Blue Flame, which I think was the




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     1   common goal here.

     2               I think the reference to Mr. Evinger's testimony that

     3   at that point in time, he was confident that 211(f) would allow

     4   for indemnification, I think is not, is not consistent with the

     5   record, to put it mildly.      There's a phone conversation among

     6   Chain Bridge Bank employees at 1:43 where someone raises,

     7   Ms. Mojica-Guadron, the wire technician, raises the question do

     8   we need indemnification?

     9               The answer is not no, they're sending a Fedwire

    10   confirm, it's implied, or no, we've got it covered.                  The answer

    11   is this is what it is.      This is just what we've got to do.

    12               That is not consistent with the suggestion after the

    13   fact in the context of litigation that he was confident in the

    14   implied indemnification agreement to 211(f).

    15               Finally, on the loss causation issue, if this comes

    16   down to attorneys' fees, I think the question then becomes, you

    17   know, but for the cancellation, what attorneys' fees would have

    18   been incurred here?      I don't think that because there's a claim

    19   in the complaint about cancellation, all of Chain Bridge's

    20   attorneys' fees were, in fact, caused by the cancellation

    21   itself.

    22               So if the remainder of Blue Flame's damages

    23   dissipates and this becomes a question of to what extent Chase

    24   needs to indemnify Chain Bridge for attorneys' fees incurred in

    25   connection with this litigation, I think there's still a




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     1   question about what fees were incurred as a result of but for

     2   the cancellation.     That's not an issue that the parties have

     3   litigated here, but it's certainly a consequential one if all

     4   that -- if that's the only thing that remains of the case.

     5                THE COURT:    All right.    Well, thank you, gentlemen.

     6   You've had interesting arguments.         Obviously, it's a very thick

     7   record.    Your arguments have helped me think about portions of

     8   the record that I want to further review in chambers.                   So we'll

     9   get an answer out to you as quickly as we can, but thank you

    10   very much.

    11                MR. WHITE:    Thank you, Your Honor.

    12                MR. ORSECK:    Thank you, Your Honor.

    13                THE COURT:    We'll recess court for the day.

    14                                 (Which were all the proceedings

    15                                  had at this time.)

    16

    17                         CERTIFICATE OF THE REPORTER

    18         I certify that the foregoing is a correct transcript of

    19   the record of proceedings in the above-entitled matter.

    20

    21

    22                                                    /s/
                                                   Anneliese J. Thomson
    23

    24

    25




                                              Anneliese J. Thomson OCR-USDC/EDVA (703)299-8595


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