WPC$ # t U: % 0 w@ 4  # 0J+ 0Tu 0^ 0h' 0r 0| 0} 0 1u 0dU*lB)DC AMO Bv~vC D3 0@I AO  0D! D/! B" 0?." 0Dm$HP LaserJet 4HPPCL5MS,,,,,,0nLd,cAZ"Arial RegularX(~$  HTR[A' LegalLh (Avery 4167 Post CardA' Legalh (Avery 4167 Post CardTXmXXX73XXdXXd7 }~DDDUDӀڃ"@3|xH2 0Indent123  2" 0Indent20 23  2, 0Indent30 0 23  26 0Indent40 0 0 23  2@ 0Indent50 0 0 0 23  2J 0Indent60 0 0 0 0 23  2T 0Indent70 0 0 0 0 0 23  2^ 0Indent80 0 0 0 0 0 0 23   ?AGMSYaioIndent0I.A.1.a.(1)(a)i)a)P 8Mac DefaultMac Default ` X<  9p`(Arial% Line 7 d 7Border 1dd-!C << G  !  #d#    H \RA'\#d#     YYY FILEDX July24,1997CecilCrowson,Jr.AppellateCourtClerk  d  !#d#    H \RA'\#d#  $       ԀRule10.AffirmanceWithoutOpinionMemorandumOpinion.  8  (b)MemorandumOpinion. TheCourt,withtheconcurrenceofalljudgesparticipatinginthecase,mayaffirm,reverseormodifytheactionsofthetrialcourtbymemorandumopinionwhenaformalopinionwouldhavenoprecedentialvalue.Whenacaseisdecidedbymemorandumopinionitshallbedesignated MEMORANDUMOPINION,shallnotbepublished,andshallnotbecitedorreliedonforanyreasoninasubsequentunrelatedcase.[AsamendedbyorderfiledApril22,1992.]XPtPtHH(FG(HH(d'hStyl{WP}01  HH  2$HH  Geneva  <Px443!#4$*$$*$ KK  Geneva  Geneva .,6 Geneva   h HD: Geneva  h HD: Geneva $$$$'dxd("$    -C<< CLevel 1Level 2Level 3Level 4Level 5($$   1  ' dxdP Pd((3$ ~!  HTR[A' Legal3'A' Legal3'TXXXX7XXdd7   `   0  (#$  0   ! .     H \RA'\#Xd##Xd#  ݛ   R"#!A1-j|` . `@Rߛ ̀THECOURTOFAPPEALSOFTENNESSEEEASTERNSECTION   MUNICIPALEMPLOYEESCREDIT ) SULLIVANCIRCUITUNION,     )      ) Plaintiff/Appellee   ) NO.03A019703CV00085      )v.      )      ) HON.JOHNS.McCLELLAN,IIIRHONDASANDERS,   )      ) Defendant/Appellant  ) AFFIRMEDDeanGreer,Kingsport,forAppellantWilliamK.Rogers,Kingsport,forAppellee   MEMORANDUMOPINION           INMAN,SeniorJudge TheGeneralSessionsandCircuitCourtsheldtheappellantliabletotheappelleeforaseriesofcreditcardchargesincurredoveraperiodoftwoyearsbyvirtueofaVISACreditCardissuedjointlytotheappellantandhernowdeceasedhusband.Sheappeals,insistingthatshedidnotsigntheapplicationforthecardandhencecannotbeliable. Theappellantshusbandmadeapplicationforacreditcardandsignedtheappellantsnametogetherwithhis,ontheapplication,whichwasapproved.Eachwasissuedacard,withthesamenumber,althoughtheappellantscardwasretainedbyherhusband. Herhusbandusedthecardfrequentlyandmonthlystatementswereregularlymailedtothem.Paymentsweremademonthlyand,ononeoccasion,theappellantandherhusbandobtainedaloantopayjointlyincurredcreditcarddebts.Onanotheroccasion,theappellantusedthecardtopayforasubstantialpurchaseataSearsstore.AfterhisdeathonDecember12,1994thebalanceowingonthecredit  carddebtwas$3,036.49,forwhichtheappellantdeniedliabilitybecauseshehadnotsignedtheapplicationforthecreditcard. Theproofwassufficienttojustifyafindingthattheappellantinferentiallyacquiescedintheincurrenceofthesedebts.Eachsignedtheothersnameonbusinessdocumentsoveraperiodofyearsand,foraperiodoftwoyears,monthlyinvoicesforcreditcardchargeswererecognizedbyher.Inlightoftheseessentiallyundisputedfacts,weagreewiththetrialjudgethatthepostmortemisuntenable. Ourreviewisdenovoontherecord,accompaniedbythepresumptionthatthetrialcourtsfindingsoffactarecorrectunlesstheevidenceotherwisepreponderates.Rule13(d),Tenn.R.App.P. ThiscaseispeculiarlysubjecttodispositionbyapplicationofRule10,Tenn.R.App.P., %   ׀andthejudgmentisaffirmedatthecostsoftheappellant.       _____________________________       WilliamH.Inman,SeniorJudgeCONCUR:     _______________________________HoustonM.Goddard,PresidingJudge_______________________________CharlesD.Susano,Jr.,Judge%  ̀̀