ORDER
LAWRENCE K. KARLTON, Senior District Judge.
I. SUMMARY
This court re-affirms its decision in Guinto v. Wells Fargo Bank, N.A., Civ. S-11-372-LKK, 2011 WL 4738519 (E.D.Cal. October 5, 2011). Guinto found that American Surety Co. v. Bank of California,
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