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IN THE CIRCUIT COURT OF THE THIRTEENTH JUDICIAL CIRCUIT IN AND FOR HILLSBOROUGH COUNTY, FLORIDA.

BANKUNITED, Plaintiffs, Case No.: v. AMADOU WANE, et al., Defendants. ______________________/ 10-CA-008594

DEPOSITION OF: TAKEN: DATE: TIME: PLACE:

BILL WILLIAMS Pursuant to Notice by the Defendant August 1, 2011 9:50 a. m. - 10:25 a. m. Bar Area Reporting Service, Inc. 620 East Twiggs Street - Suite 305 Tampa, Florida 33602 ELIZABETH GOTCH, RPR Notary Public State of Florida at Large Page 1 - 26

REPORTED BY:

____________________________________________________ BAY AREA REPORTING SERVICE, INC. 620 East Twiggs Street - Suite 305 Tampa, Florida 33602 (813) 251-4538

BAY AREA REPORTING, INC.

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1 APPEARANCES: 2 3 4 5 6 7 8 9 10 11 12

bayarearptg.com JASON M. TAROKH, ESQUIRE and DAVID J. MILLER, ESQUIRE Albertelli Law Post Office Box 23028 Tampa, Florida 33623 (813) 221-4743 jtarokh@alberttellilaw.com Attorney for the Plaintiff AMADOU WANE 13046 Race Track Road #118 Tampa, Florida 33626 (813) 343-0438 Pro Se I N D E X

13 14 15 E X H I B I T S 16 17 18 19 20 21 22 23 24 25 BAY AREA REPORTING, INC. Examination by Mr. Wane Certificates of Reporter

Page 3 24, 25

Number Description 1 BankUnited Adjustable Rate Note 2 Purchase and Assumption Agreement 3 Corporation Assignment of Real Estate Mortgage 4 CV 5 Failed Bank Information

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The deposition of BILL WILLIAMS taken pursuant to notice by the defendant this 1st day of August, 2011, by Elizabeth Gotch, RPR, and Notary Public for the State of Florida at Large, at Bar Area Reporting Service, Inc., 620 East Twiggs Street, Suite 305, Tampa, Hillsborough County, Florida, beginning at the hour of 9:50 a. m. * * * * * Whereupon, BILL WILLIAMS, being first duly sworn on oath to tell the truth, the whole truth and nothing but the truth, was examined and testified as follows: THE DEPONENT: MR. WANE: identity. THE DEPONENT: THE REPORTER: MR. WANE: (Handing to the reporter). It looks like Mr. Williams. Let the record show that I do.

I would like you to verify his

Okay.

Bill Williams handed his driver's license to the court reporter. EXAMINATION BY MR. WANE Q. A. Mr. Williams, will you, please, state your name. It's Bill Williams.

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Q. A.

And what's your current address? The current address is -- my current address is

18660 Southwest 39th Court, Miramar, Florida. Q. A. Q. A. Q. A. Q. A. And what is your current position? Vice president. Of what company? BankUnited. Have you been deposed before? No. Would you state your education background. I have a Bachelor's Degree for DePaul University

in Finance and I have a Master's in Financial Markets and Trading from the Illinois Institute of Technology. Q. So you're currently a VP for BankUnited. A VP of

what department? A. Q. Secondary Marketing. Secondary Marketing. Okay.

I just want to make the difference between BankUnited FSB and BankUnited. So as a VP for

BankUnited FSB, what department do you work for? A. Q. Secondary Marketing. Secondary Marketing. Okay.

And you still occupy that position right now? MR. TAROKH: Objection. form.

You can answer.

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A. Q. A. Q.

(CONTINUING) BankUnited. Yes.

For -- for which firm?

How long have you been working for BankUnited FSB? MR. TAROKH: Objection. Form.

You can answer. MR. WANE: Q. Let me rephrase. How long have you worked for

(BY MR. WANE)

BankUnited FSB? MR. TAROKH: Objection. Form.

You can answer. MR. WANE: A. What's wrong with the form? For banking --

(CONTINUING) MR. WANE:

Hold on just a second.

What's wrong with the form? MR. TAROKH: objection to you. MR. WANE: MR. TAROKH: So that I can correct the question. Sir, I can't -- I'm not going to Sir, I don't have to explain my

reveal the objection other than the form is improper. Q. A. (BY MR. WANE) Okay. Your answer?

I worked for BankUnited FSB from 2005 until

May of 2009. Q. And then what happened after that; you still

continued to work for --

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A. Q.

What happened what? Okay. When BankUnited FSB went bankrupt. Objection. Form.

MR. TAROKH:

You can answer. A. (CONTINUING) I -- I was then working for

BankUnited after May of 2009. Q. Okay. Would you describe your duties as a VP for

BankUnited FSB. A. Q. A. loans. My duties for BankUnited FSB -Uh-huh. -- were primarily involved in the pricing of This is residential mortgage loans. The pricing,

overseeing risk management responsibilities for those loans as well as the sales and the -- the sales into the secondary market as well. Q. Okay. Do you -- do you have any relationship with

the Loan Request File Division? MR. TAROKH: Excuse me. Objection. Form.

You can answer. THE DEPONENT: question. Q. A. exactly? Q. Do you -- do you work for them? Are you the head (BY MR. WANE) Loan Request File Division. I'm sorry. Can you repeat the

What -- what do you mean by the relationship

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of that department? MR. TAROKH: Objection. Objection. Form.

You can answer. A. Q. (CONTINUING) Okay. No.

What about the Post Closing Department;

have you worked for that department before? A. Q. Have I worked for it? Okay. No.

When did you become VP of BankUnited -- of Sorry.

BankUnited FSB? A. Q.

January, 2005. How did you become VP; was it a corporate A board resolution? How did you become a VP?

resolution? A. Q. A. Q. A. Q. A. Q. A. Q. A. Q. A.

I was appointed. Appointed? Yes, Vice President of BankUnited FSB. Appointed by whom? By the board. Do you attend any board meetings? No. No.

So as a VP, what was your salary? As a VP for? BankUnited FSB. My salary when? As a VP for BankUnited FSB. At what point in time?

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Q.

On average. MR. TAROKH: Objection. Form.

You can answer. A. (CONTINUING) Let's see. I believe my salary at

the time was 125,000. Q. Have you brought with you any documents requested

in the deposition? A. Yes. MR. WANE: I would like to go off the record for a

few minutes to attempt to review the documents. (PAUSE) MR. WANE: Let's go back on the record.

I would like to mark this as Exhibit 1, the note, attached with the allonge. (Defendant's Exhibit Number 1 marked for (identification). Q. (BY MR. WANE) Mr. Williams, can you describe to

me the procedure at BankUnited FSB of endorsing notes. A. I -- with regards to the procedures for BankUnited

FSB, I mean, I really don't know of the -- I mean, I didn't write the procedures -- policy and procedures so I don't really -- I can't address them for you specifically. Q. On Exhibit 1 of the note, is that your signature? MR. TAROKH: Objection. Form.

You can answer.

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A.

That appears to be my signature. MR. TRAOKH: Let the record reflect you're Is that correct?

referring to the Allonge. THE DEPONENT: MR. WANE: Q.

Yes, to the Allonge.

Okay. So what about the procedure of

(BY MR. WANE)

tracking notes at BankUnited FSB? MR. TAROKH: Objection. Form.

You can answer. A. (CONTINUING) That's not within my realm so I

couldn't address that for you. Q. What do you know about the file tracker system? MR. TRAOKH: A. (CONTINUING) Objection. Form.

That's not in my area so I couldn't

address that. Q. A. Q. A. Who gave you the order to endorse this note? Who gave me the order to endorse the note? Correct. It would have been part of a -- I guess it would

have been through the board of directors that authorized me to sign any kind of note. Q. A. Q. A. I'm talking about specifically this note. It would have been the same. The board? Yes. The board of directors?

I mean, there would have been a resolution

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passed that would authorize me to sign. Q. No. I'm not saying authorize. I'm saying

authorized you specifically sign, endorse this note? A. Q. Who authorized me to sign the note. Again --

Who gave you -- the order came from whom for you

to put your signature on this loan? A. From myself. If this was a note that was going to

be sold, you know, it would have been through myself and through -- through our regular sale process, through our authorized signers that could sign the allonge -specifically the allonge. Q. A. Q. A. Was this note sold? That I don't know. Who would know? I would have to go back and look it up. I -- if

the loan was sold or not, I couldn't tell you. Q. What system or what -- who will know -- or what

system do you keep that information? MR. TAROKH: Objection. Form.

You can answer. A. (CONTINUING) There would have been a -- well we'd

have to go and look at the individual loans to see, if they were sold, into some of the records that would have contained that information. Q. Where would that record be?

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A.

Probably within the old Secondary Marketing

Department. Q. the notes? A. There -- I don't believe there's any particular It would probably What is the name of the system that keeps track of

system that contained that information. be on a spreadsheet. Q.

So let's say I want to know if a loan is being You don't know any system where that Any database?

sold or not.

information can be pulled from? A.

Some of the information could be contained on LPS,

which is the servicing system. Q. A. Okay. Have you used the LPS system before?

I am -- it's not my -- it's not within my field of That's

expertise so I don't regularly use LPS myself. really the whole servicing area. Q. A. Q. you use? A.

Do you have authority to use the LPS system? I believe I have a log-on, but I rarely use it. Okay. In your day-to-day activity, what system do

Day-to-day activities, I mainly work with

spreadsheets for the most part. Q. A. So there's no database involved with it? Well let me ask you this: When I worked for --

for what company?

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Q. A. system.

BankUnited FSB.

Sorry.

Back at the time, there was a secondary marketing Gosh, I believe it was Compass Analytics that it's

primarily involved in. Q. Okay. So where does BankUnited FSB keep original

documents -- loan documents? MR. TAROKH: Objection. Form.

You can answer. A. (CONTINUING) I -- that's really not my expertise

so I would probably defer that to our Document Control area. I would leave that up to them. Q. A. Q. A. Q. Who's the head of Document Control? I believe it would probably be Rose Haga. How do you spell that last name? H-A-G-A. Okay. So if you have to sign a note, where --

what do you -- do you request a department to bring the note to you? A. Q. A. Q. How does that work? If I have to sign a note for who? If you have to endorse a note. For who? Let's say you have to endorse this note, what

procedure would you -A. Q. For BankUnited FSB? Correct.

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A.

If I have to endorse the note or the -- you mean

the allonge? Q. A. Correct. I imagine the document -- I'm sure the document

would have been brought to me. Q. A. By whom? Specifically I don't -- I couldn't tell you. It

was -- I don't know. Q. A. Q. So -I mean --- every morning there's a pile of notes that

appear in your office and then you just sign them? A. Q. No. So how does -- does that work? MR. TAROKH: Objection. Form.

You can answer. A. (CONTINUING) The only time that notes would be

endorsed is if they're -- if they had been contemplated for sale. Q. Okay. So when these notes appear on your desk, What happens after you endorse it?

you just sign it. A.

I'm sure a clerk probably would have picked it After I mean,

back up and -- and removed it from my possession. that, I couldn't tell you exactly where it went.

it's -- again, I don't deal in the -- you know, the note

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custody issues or anything like that. Q. But you have to sign something -- right? -MR. TAROKH: Q. Objection. Form.

-- saying that -- do you have to sign any document

or do you -- to track the whereabout of the note since this is a -- I mean, this is the original. important document for the company. This is a pretty I'm assuming there's a

process to track the note when it move from one person to another person. MR. TAROKH: Objection. Form.

You can answer. MR. MILLER: THE DEPONENT: MR. WANE: Objection. Asked and answered.

Can I answer? Are

Who's defending the deposition?

you both defending the -MR. TRAOKH: A. (CONTINUING) We're both counsel for the plaintiff. In terms of the tracking, again,

that's not my area of expertise so I don't know -- once I had signed it, I'm not sure where the document went to. And

document tracking is not my -- not under my jurisdiction at all. Q. Why do you sign on a separate piece of paper?

There's enough room on the last page of the note. MR. TRAOKH: Objection. Form.

You can answer.

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A.

(CONTINUING)

It's common in the industry that you And that's

attach -- to attach the allonge to the note.

basically a common practice within the industry. Q. Did you use a rubber stamp? MR. TAROKH: Objection. Form.

You can answer. Q. A. Q. (MR. WANE) How do you sign? Do you manually --

Did I use a rubber stamp for what? Did you manually sign the allonge or was it a

rubber stamp? A. Q. A. Q. A. That -- it would have been my signature. With ink? With ink. When was this note endorsed? I could not tell you the exact date of the

endorsement of the note. Q. Do you know anybody that would know at

BankUnited FSB? A. Q. A. Precisely the date of the note? Yes. Oh, I'm sorry. Precisely the date of the

endorsement of the note? Q. A. Correct. I don't know. I don't know if anybody could give

you the exact date.

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Q. notes to?

How many investors does BankUnited FSB sold their

MR. TAROKH:

Objection.

Form.

You can answer? A. Q. A. Q. (CONTINUING) What notes?

Mortgages, mortgage notes, loans. Which particular notes? I mean, do you -- do you have a pool of investors

that you sold to? A. There are a number of investors that we sold to,

depending upon the type of loans. Q. Have you sold notes to Arc Pool 1, LLC? MR. TAROKH: Object to form.

You can answer. A. Q. A. Q. (CONTINUING) Did who sell?

BankUnited FSB? Not to my knowledge. So when BankUnited FSB -- first I would like to

ask you what happened to BankUnited FSB? MR. TAROKH: Objection. Form.

You can answer. A. (CONTINUING) BankUnited FSB was placed into

receivership with the FDIC. Q. Okay. When it go to receivership, what happened

to the assets of BankUnited FSB?

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A. Q. A. Q. A. Q. A.

Which assets? Assets of the bank. Which assets of the bank? Loans. The loans? Correct. The loans of BankUnited FBS were acquired by

BankUnited through the receivership action of the FDIC. Q. So there will be a document with a schedule

stating this specific loan has been transferred from FDIC to BankUnited? MR. TAROKH: Objection. Form.

You can answer. A. (CONTINUING) There's a document within the FDIC

-- documents that states that the mortgage loans were acquired by BankUnited -- by BankUnited through the receivership of FDC of the old BankUnited FSB assets -those potential loan assets. Q. Does that document specify loan numbers or just in

general loans? A. Q. A. Q. Not to my knowledge. Not to your knowledge what? It doesn't specific loan numbers. It doesn't specify. Okay.

So when BankUnited take over the assets of

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BankUnited SFB through the FDIC, what happened to delinquent loans? A. They were simply acquired by virtue of the They acquired the

receivership action of -- of the FDIC. delinquent loans. loans. Q.

They became their loans -- BankUnited

So do you -- when BankUnited took over, did you --

you kept your title or there was a corporate resolution from BankUnited making you a VP? THE TAROKH: Objection. Form.

You can answer. A. Q. A. Q. A. Q. A. Q. A. Q. A. Q. (CONTINUING) I retained by title.

How many people work under you? Work under me? Yes. Work under me where? As a VP. Do you have a department?

At which institution? BankUnited. At BankUnited? Yes. None. None. Okay.

Exhibit A of the deposition, the Notice of Deposition, requested a number of documents, and I see that

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you have not brought all of them. MR. TAROKH: Objection.

Is there a reason why? Form.

You can answer. A. (CONTINUING) I brought those documents that I

could bring as of this time. Q. A. Q. What is the reason? For which document are you referring to? For instance, to the Corporate Resolution or other

official action of BankUnited FSB director making deponent a Vice President of BankUnited FSB. A. Q. Because it's not available. Also request number 4, to bring all documents

referencing the endorsement in blank of the allonge to the promissory note in this case. So you're saying that there's

no document that references any information on the endorsement of this note? MR. TAROKH: Objection. Form.

You can answer. A. Q. A. (CONTINUING) Yes. See what it says there. Correct. that. Q. A. Do you know who would have that? I do not. I do not have any kind of document like Can I see that?

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Q. A.

And number 5, do you know who would have that? Again, let me see that again. No. I do not have that either.

Q. A. Q.

Number 6. Yeah. No, I do not have anything on number 6.

So number 6 was asking for any paper trail of the And you're saying that there's no

removal of the note.

paper trail whatsoever -- digital images, electronic correspondence -- that you have in your possession? A. I'm saying that I do not have anything like that.

Again, that's not in my area. Q. A. Q. A. Q. A. Take a look at number 7 -- number 8. I'm sorry? Yes. Number 8. Uh-huh. There's no -- yes, I do not have a document that There's no written Number 8? Sorry.

-- that directly goes to number 8. document. Q. Number 9.

Do you have any document proving that

you are a VP?

That you were appointed VP? Objection. Form.

MR. TAROKH:

You can answer. A. (CONTINUING) Again, I don't have any document in

my possession on that.

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Q.

So when you became VP, who announced your

appointment? MR. TAROKH: Objection. Form.

You can answer. A. (CONTINUING) I understand it was approved by the

board of directors. Q. A. Q. A. have it. Q. number 10? A. In terms of the sale to BankUnited, the -- there I can review the -May we mark these as exhibits for the How did you learn about your appointment? It was communicated to me in an employment letter. Do you have a copy of that? Not in my possession. I don't know if I still

It's six years old or so. Do you have any documents with you today for

are several documents. MR. TAROKH: record? MR. WANE: Agreement.

Exhibit 2, Purchase and Assumption

(Defendant's Exhibit Number 2 marked for identification). Q. (BY MR. WANE) Do you have any information on the

sale from the Loan Corporation to BankUnited FSB of this loan? A. Do I have any information --

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Q. A. Q. A. Q. A. Q.

Yes. -- with regards to it? Yes. No, I don't. On the sale? No. With reference to Exhibit Number 2, is there any

reference to this particular loan? A. To my knowledge, there is no reference to any

specific loan. Q. Is there any schedule attached to the

Purchase and Assumption Agreement, Exhibit 2? A. Q. A. Q. A. A schedule that does what? A schedule of assets. Like of loans? Yes. No, not to my knowledge. MR. WANE: of Real Estate. (Defendant's Exhibit Number 3 marked for identification). MR. WANE: Okay. I reserve the right to continue Exhibit Number 3, Corporate Assignment

this deposition in reference to the -- the duces tecum. I don't have anything else. MR. TAROKH: I would like to mark all documents

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produced by plaintiff as exhibits just so we are all on the same pages with what exactly has been produced at the deposition. We can make this 4 and this 5. (Defendant's Exhibits Number 4 and 5 marked for identification). MR. TAROKH: And for the record, I would object to

defendant's reservation to continue the deposition. Also, for the record, we will want to read the deposition. No questions. Thank you.

(Deposition adjourned at 10:25 a. m.)

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REPORTER'S CERTIFICATE WITH ACKNOWLEDGEMENT STATE OF FLORIDA) COUNTY OF HILLSBOROUGH)

I, ELIZABETH GOTCH, RPR, Certified Shorthand Reporter, certify that I was authorized to and did stenographically report the forgoing proceedings; and that the transcript is a true record of the proceeding held.

I FURTHER CERTIFY that I am not a relative, employee, attorney or counsel of any of the parties, nor am I a relative or employee of the parties' attorney or counsel connected with the action, nor am I financially interested in the action.

Dated this 1st day of August, 2011.

______________________________ ELIZABETH GOTCH, RPR

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STATE OF FLORIDA)

COUNTY OF HILLSBOROUGH)

I, the undersigned authority, certify that BILL WILLIAMS personally appeared before me and was duly sworn.

WITNESS, my hand and official seal this 1st day of August, 2011, in Tampa, Hillsborough County, Florida.

______________________________ ELIZABETH GOTCH, RPR Notary Public State of Florida at Large

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In the matter of BankUnited versus Amadou Wane, Deposition of Bill Williams, August 1, 2011. PAGE/LINE ERROR, AMENDMENT/REASON FOR CHANGE INITIAL

4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 I have read the transcript of my testimony and subscribed to its accuracy, to include the correction or amendments noted above or attached hereto. ________________________________________ BILL WILLIAMS DATE

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