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Werner v. Norwest Bank South Dakota, N.A.
499 N.W.2d 138
S.D.
1993
Check Treatment

*1 less likelihood of there was even success together. if Mother and Child than were WERNER, Herb The Dakota d/b/a

Dame said that if Mother would not follow Company, American Plaintiff through with the recommendations that Appellant, made, have been Child would be better off parental rights having Mother’s terminated seeing her. and not DAKOTA, NORWEST BANK SOUTH feelings staying had mixed Child about N.A., Appellee. Defendant and with Mother. Several times he testified No. 17954. although prefer would to live with her, just adopted he would rather if she Supreme Court South Dakota. could not control her life. Child was aware may adoption never occur. He loves Moth- Considered on Briefs Jan. 1993. stay er and would like to be able to April Decided 1993. her, contact with but he does not want to again. be left did equate “perma-

The trial court

nency” “adoption.” parties All were adoption only possibility,

aware that was certainty.

not a We note that since this

case first came to the attention of the

court, placed Child has been in one foster

home, home, then a second foster then at Hospital,

McKennan then in another foster

home, then with Crossroads and then in a Viborg.

foster home in From there he was

abducted and taken to Texas Mother. discovered,

After Child’s whereabouts was Crossroads,

he was returned to then he

was returned to the foster in Viborg, home placed

then he was with a foster home in area,

the Pierre then he was returned to

Crossroads, placed then he was in a Ft. and,

Pierre area foster finally, home Child placed

was at Crossroads where he re-

mained at the time of dispositional

hearing. The trial court is correct. Child

needs a permanency. sense of The record

contains clear and convincing evidence to

support the trial court’s determination that

termination parental rights of Mother’s

in the best interests of Child and is the

least restrictive alternative available com- K.C.,

mensurate with those interests.

N.W.2d at 621.

Affirmed.

WUEST, HENDERSON, SABERS and JJ.,

AMUNDSON, concur. *2 City, for Buffington, Rapid

Michael L. plaintiff appellant. McCullen, Hickey Bangs, M.

Michael Simmons, City, for Rapid Foye Butler appellee. defendant and HENDERSON, Justice. HISTORY/ISSUES PROCEDURAL grant from a of sum- This matter arises Bank South mary judgment to Norwest Dakota, (Norwest) on March N.A. (Wer- appellant Herb Werner’s concerning ner) had appellee Norwest claim provide month, breached an oral same pur- Werner wrote a check to Upon commercial loan. the trial court’s equipment chase from Wave Manufactur- finding that there was no issue of bounced, ing. Although the check Norwest fact, Ap- material filed Notice of covered the overdraft. *3 29,

peal May raising following on 1992 the October, $75,- In Norwest refused to loan issues: purchase 000 for the sup- of materials and granting I. Did the trial court err in plies being for P03. After denied loans regard in summary judgment to the banks, $25,000 other Werner obtained two existence and terms of an oral advances from Zondervan. In the mean- agreement money? to loan time, Norwest loaned Werner lesser granting II. err in Did trial court amounts, totaling $19,000, over to cover summary judgment concerning par- expenses. spite various In of these fi- performance promissory tial and es- nances, complete Werner failed to the or- toppel? money. der because he ran out of We hold that there was no error and result, As a Werner filed this action affirm the respects. trial court all claiming breach promise of an oral to loan money. However, granted the trial court FACTS summary judgment to Norwest. 1979, Springs,

In Werner moved to Hot South Dakota to establish Dakota Ameri- DECISION can, reproduction, a manufacturer of art books, picture and frames. Soon thereaf- STANDARD OF REVIEW ter, opened checking account with reviewing grant In summary purchased Norwest and five acres of land judgment, we must determine whether the Springs in the Hot Industrial Park. Nor- moving party demonstrated the absence of $15,000 west loaned Werner to construct a any genuine issue of material fact and pre-fabricated building land, on the as well any judgment showed entitlement to on the as several other loans of lesser amounts merits as a matter of law. The evidence during years 1979 through 1982. How- must favorably be viewed most to the non- ever, $11,000 he failed pay note due moving party and reasonable doubts should 10, 1981, March and defaulted on another against moving party. be resolved The note due in May 1982. however, nonmoving party, present must May default, Prior to the Zondervan specific showing genuine, facts that a ma Book. Stores of Rapids, Michigan Grand terial issue for trial exists. Our task on placed purchase two picture orders for appeal only gen is to determine whether a 1982, frames with Werner. In June of uine issue of material fact exists and completing orders, after the two Werner whether the correctly applied. law was If met with Richard Brady (Brady), a Nor- any there supports exists basis which officer, west loan about financing an order court, ruling of the trial affirmance of a 10,000 20,000 picture frames for Zon- summary judgment proper. is v. Waddell (Werner dervan. refers to this order as Bank, Dewey County 591, 471 N.W.2d 593 P03.) Werner estimated that the materials (S.D.1991); BankWest, Inc., v. Garrett $60,000 would cost somewhere between 833, (S.D.1990). N.W.2d 836-37 $80,000. Although Brady indicated that Norwest could handle loans of that resisting When a motion for sum amount, at they no time did spe- discuss a mary judgment, the nonmoving party must amount, rate, term, cific interest or collat- diligent. allegations Mere and denials eral. which do not set forth facts will 15, 1982, On June Norwest prevent obtained a issuance judgment. of a security interest Werner’s accounts re- Co., Inc., Breen v. Dakota Gear & Joint $6,000 ceivable and loaned Werner pay (S.D.1988). 433 N.W.2d However, off old bills and raw materials. party Later that may not claim a version of the facts loan, rate, term, amount of the interest given the version than more favorable testimony. Lalley security, repayment, v. time and method of party’s own Saf Inc., 364 Scaffolds, date, way closing preparation Steel and the exe (S.D.1985); Roy’s Paving, &Myrl Swee Where there cution written documents. Inc., 283 N.W.2d showing alleged no the terms of an is agreed settled or oral were ever REQUIRE SPECIFIC I. CONTRACTS upon, proper granting the trial court TERMS summary judgment. Lodge Deadwood No. his 1982 con- asserts that June Werner Albert, (S.D. in an oral culminated versation 1982), Heier, citing Engle v. S.D. Although admits agreement. loan (1970). *4 specific, he con- not all terms were that unspecified terms could be tends that those brief, As evident his own Wer- dealings by viewing previous determined specify ner fails to terms that indicate the that parties. the Norwest claims between specify He existence of a contract. cannot no proves terms that this lack of material loan, gives the amount of the rather he a the law. contract exists under valid $70,000 figure ballpark of “between 80,000 $80,000 Yet, being the max.” he express of a valid The existence — has also testified that the amount needed of to be deter question is a law contract $60,000. little as He claims the could be as court, jury. by a not a Mid-Amer mined Industries, interest rate could be inferred from his 289 Mktg. Cory. v. Dakota ica express security agreement An con previous 797 loan. For a mutually $80,000loan, ex parties $70,000 the alleged tract results when to Wer- on the press by specific 15, an intent to be bound 1982 document. points ner to a June Witzke, v. terms and conditions. Van Zee However, the June 15 note indicates (S.D.1989). Werner con 445 N.W.2d 34 $6,000 supports loan. No evidence the se inapplicable are tends that these cites be past, In the curity note’s relation to P03. specific concerning cause the facts the received a loan from whenever Werner disputed terms and conditions not or were Norwest, signed indicating a notes were hand, conflicting. argues, He on one amount, date, rate, specified due interest inapplicable authorities are because these security. By payment and fail method of express no contract is involved. On terms, Werner ing to establish the hand, condi other he claims the terms and the nec an that lacks purports through tions exist discussions with Rich required to create a bind essary elements dealing, yet ard and course of never Nothing reduced to a ing contract. was Therefore, argues implied for an contract. Werner, specif writing. According to possibility implied an contract must jury determine. to be left to the to ics are 15-26A-60(6); be deemed waived. SDCL (S.D. Matheson, Corbly Wer- disagree. Nowhere does We 1983). alleged terms of the profess ner the exact Instead, Belknap cites v. Belk Werner agree Both and Norwest contract. Werner 482, (1906), 20 107 692 nap, S.D. N.W. specified. terms were that several meaning conflicting which holds that the Thus, If dispute. factual there is no properly evidence in an oral contract is left party allege what the complaining cannot jury. major Belknap fault to the The are, expect jury to facts how can (as by well as most authorities cited Wer- agreement must suffi them. An be decide ner) applies is that it where a contract is give it ciently a court to definite to enable already said to exist. Such is not the case meaning. Lodge at exact Deadwood here. jury to Essentially, Werner wants 826. of the from his estimates create a contract requesting summary judg When obligation can be ment, No enforceable many terms. Norwest claimed that too es specific terms. from this lack of specified, sential terms were not such as established jurisdictions grant According have to this state’s statute of Other 53-8-2, frauds, agreements for loan- summary judgments under the same SDCL ed ing money (except pursuant those made to An oral contract is not es circumstances. 54-11) or are not enforce- SDCL 51A-12-12 are where essential terms left tablished unless the contract or some memoran- able negotiations. open to future Trans writing dum is in and subscribed to the Equip. Leasing Corp. v. america Union party charged. Allegedly believing (9th Cir.1970). Bank, 426 F.2d 273 Where existed, purchased contract Werner materi- understanding no as to the exact there was despite als the lack of a for P03 written rate, money, amount of interest time and agreement. Noting that this Court has not exchange of repayment, method of and no such, recognized suggests Werner that we documents, contract can be no enforceable exceptions in- extend statute of frauds Champaign said to exist. Nat’l. Bank part performance. clude See Am.Jur.2d Co., Inc., Ill.App.3d Landers Seed Frauds, 408, (1974). at 36 Statute § 742, N.E.2d 116 Ill.Dec. Thus, acknowledges that the trial (1988), denied, cert. U.S. obligated recognize court was not (1989); S.Ct. 103 L.Ed.2d 199 Balter we, court, exception. Because like the trial Bank, v. Pan American 383 So.2d per- find that the actions Werner were (Fla.App.1980); Marine Bank v. Midland *5 subsequent alleged formed either to the Herriott, Mass.App. 412 N.E.2d 908 reliance, justifiable contract or without we (1980); Ass’n, Willowood Condominium adopting find no reason to consider (5th Co., Realty Inc. v. HNC 531 F.2d 1249 exception at this time. Cir.1976). promissory estoppel argu Under a Werner filed suit to the existence show ment, to Werner would have show where contract, agreement, of an oral loan a position he altered his to his detriment in Norwest. Yet Werner’s own briefs and promise that reasonable belief would testimony the lack show of terms. performed. at 848. For the Garrett Finding that Werner had not met his bur- denied, justifiable reasons reliance was we den, granted summary the lower court promissory estoppel. also fail to find Wer- judgment holding to Norwest that no mate- ner to secure from First was able funds dispute prove rial facts are in that would Zondervan, Federal and as well as smaller the existence of a contract. We concur. Norwest, reject loans from after Norwest Furthermore, large there ed loan. is II. THERE WAS NO JUSTIFIABLE RE- purchase of no reason to believe that the LIANCE. except materials would not have been done to the lack of contractual cer Due alleged agreement. for the loan tainty indicated, previously as Simply because Norwest covered reasonably could not have relied on Nor- suggest not an overdraft does that grant west him a in loan excess of $60,000. in bank authorized a loan excess of $60,000. Werner, According to when he payment only The of an overdraft creates $70,000 if asked Norwest could handle a Security an unsecured loan. Thiele v. $80,000 loan, Brady responded, prob “No Salem, Bank New State so, lem.” Even this affirmation does not (N.D.1986). Furthermore, Norwest’s deci constitute mutual assent to an oral con grant sion to small loans to Werner after agreement tract. upon The which Werner large way in refusing a loan no advances uncertain, allegedly “vague, relied is too fact, had, large the claim that the loan and unsettled” support estoppel approved. been BankWest, Inc., claim. See Garrett v. (S.D.1990); earlier, nonmovant, Werner, N.W.2d 833 Calosso v. First As noted as Bank, (Fla.App. present specific showing National 143 So.2d 343 must facts that a 1962) (bank made firm genuine, no commitment material issue of fact for trial justify plaintiff which would Mfg. action exists. Du-Al Co. v. Falls Sioux thereon). Co., (S.D.1992). reliance Const. N.W.2d Breen, appears it properly light, in this Viewed suffice. suggestions will not Mere dispute is a fide over the trial court did there bona find that the supra. We judgment to Nor- and terms of the oral granting summary existence err in money. this This is obvious from a to loan west. testimony and the rec- of Werner’s review MILLER, C.J., WUEST Bank, which include the Bank’s ords of the AMUNDSON, JJ., concur. file and the fact that comments to the loan security agreement to Bank obtained a SABERS, J., dissents. future loans.1 cover SABERS, (dissenting). Justice grant summary judg- reviewing In I dissent. ment, not bound the trial court’s we are remand for a trial I reverse and would findings and must conduct an inde- factual material fact issue of because pendent Taggart of the record. review of an as to the terms and existence exists Co., Motor Ford Credit money. agreement to loan oral Eckrich, (S.D.1990); Koeniguer v. State, Dept. Revenue v. As stated Thiewes: Well, Q: you your what did was —what use of guiding principles on the “Certain said, understanding Rick when They evolved. summary judgment have you handle it”? Did “Norwest can (1) The must be viewed are: evidence you had a commitment from think nonmoving party; most favorable to the money you them to lend however much (2) proof upon the mov- The burden of you needed? genu- no clearly to show that there is ant thought thought had it A: I it was—I we and that he is ine issue of material fact all settled. law; judgment as a matter of entitled to *6 Q: answer is— So the (3) is to Though purpose of the rule much I didn’t know otherwise until A: just, speedy inexpensive and secure a later. action, never of the it was determination Q: is “Yes”? So answer for a intended to be used as a substitute my- Rick and A: As far as—with by jury or for a trial where court trial self, I felt that we did. fact exists. any genuine issue of material (4) prevail party A surmise a will that grant

upon trial is basis to not sufficient are not the motion on issues which done, let’s way that was Q: And the sham, so unsub- shown to be frivolous or $15,- that, up okay. They set review it would be stantial that it is obvious note, they? didn’t (5) Summary judg- try futile to them. A: I think so. remedy should ment an extreme and under that Q: they made advances And truth is clear only be awarded when the note— touching exis- and reasonable doubts Right. A: material of a issue as to tence Q: —correct? against the should resolved mov- fact bank, way your ant.” That’s the loans to experience, always handled (S.D.1989)(quoting 448 N.W.2d Wilson you, isn’t that true? 207, 212, Co., Ry. 83 S.D. v. Great N. particular bank? (1968)). A: You mean this 19, N.W.2d debt, obligation every type and (Security Agree- liability Deposition and 1. See Exhibit #3 of ment). Security Agree- may any Under the terms of the now or at description which Debtor 15, 1982, granted First (whether dated June ment National inventory, equipment, Party to Secured time owe hereafter (Norwest) (in security Bank interest debt, liability obligation or is or now exists such accounts, rights contract [.) (Emphasis ]” created or incurred hereafter rights payment) and other payment secure the "[t]o added.) performance every each and of fact, must be questions of doubts With Q: Yes. moving against the Bank as the resolved always We didn’t all the time. A: Not to establish Bank has failed party. The that. do of materi genuine issue that there is NO example when me one Q: you give Can is con court’s decision al fact. The trial than that? it different they handled summary judgment law recent trary to A: Yeah. State, Dakota, Dept. especially South Q: me Tell when. (S.D. Thiewes, Revenue ready for the getting A: we was When 1989), opinion written a unanimous ’82, in of Zondervan’s third order reversed where we Henderson Justice June. moving party the trial court because Q: inWhen ’82? that there to sustain its burden failed Yeah, a securi- of 1982. There’s A: June fact. genuine issues of material were no Af- 15th of June. ty agreement on the might reach persons Where reasonable buy some going to ter that we were conclusions, summary judg different company that was equipment from a Sittner, denied. Dahl v. ment should be Rapid City, Wave closing here in down (citation (S.D.1988) the ex- Manufacturing, and we needed omitted). of this help take care equipment tra judg- summary No one is entitled order, purchased that. so we matter unless entitled thereto as a ment on a the interest Rather than pay genuine issues of and there are no law security agree- note or underneath Here, 15-6-56(c). fact. material SDCL that, Bra- something like Rick ment or incorrectly placed the bur- the trial court much says, doesn’t make dy “That party instead upon non-moving den you just sense. We’ll run —whenever moving party, the Bank. upon the get ready up here get ready they and all of For all of the above reasons thing they wer- to close that down”— summary judgment the well-reasoned date that was quite en’t sure what Dakota, summary judg- cases South check,” “just going to write be— improper. ment was Wilson {See overdraft, make an and at which would progeny.) and its Ry. N. Co. Great they would cover that time would— Bank, 496 N.W.2d Lamp v. First Nat’l down there and then we would them *7 too, moving 581, (S.D.1993). “the Here loan; that would save that make that there its burden party failed to sustain interest. So that wasn’t—that much of material fact” were no issues do may example one how we would incorrectly placed the and “the trial court something. non-moving party instead upon the burden equip- alleges purchased that he moving party, the Bank.” Id. upon the necessary fill the third order of ment to a trial and remand for We should reverse (P03) “because of the Zondervan’s 15-6-56(c), in accordance with SDCL promise” the Bank would loan him Wilson, Thiewes, 83 S.D. 448 N.W.2d and allegations capital. “If these were needed 19.2 157 N.W.2d trial, unrea- at it would not be established the trier of fact to conclude sonable for parties entered into a definite ...

that the should have

contract ... Werner] [and existence

opportunity prove at trial the provide a commercial loan.

of a contract” Inc.,

Larson v. Kreiser’s overreacting results According majority opinion, possi- to SDCL 15-26A-60 which "the 2. rely heavily on waiver of a bility implied deemed in decisions that too of an contract must be point argument to cite argues or failure authorities.’ because Werner never for waived” " Matheson, (S.D.1983), Corbly again implied contract. Once 'this court BELL, A. Plaintiff Paulette Appellee, BELL,

Stephen Defendant G. Appellant.

No. 17798. Dakota. of South

Supreme Court 17, 1992. on Briefs Nov.

Considered April 1993.

Decided *8 Larson, sufficiently progeny beyond implied should stretched are broad to include and its all N.W.2d at 835 and not be Larson, J., contemplation.” (Morgan, concurring (Sabers, J., part reasonable contract. Id. in J., (Sabers, concurring part in dissenting part); Id. and concur- dissenting part). Werner’sdenomination dissenting ring part part). issues, citations, arguments including

Case Details

Case Name: Werner v. Norwest Bank South Dakota, N.A.
Court Name: South Dakota Supreme Court
Date Published: Apr 21, 1993
Citation: 499 N.W.2d 138
Docket Number: 17954
Court Abbreviation: S.D.
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