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D3 BE 0@b AO¢Æñ 0D· D/û B*˜HP LaserJet 4Si/4SiMX PS 600dpiPSCRIPTÀÌÀääÀÀÌ0 (ÖÃ9 Z ‹6Times New Roman RegularX($¡¡ `Ua b c d e£fghÓ€tz!œœpœ3|xt((3üÝ$¤¤Ý ƒ!ÝÝ  Ýà  àòòÚ  Ú0Ú  Úóó(#Ã$òòÚ  Ú0Ú  Úóó2 ÿÿ0Indent1Ô2ÔÔ3  Ô2" ÿÿ0Indent2à0 àÔ2ÔÔ3  Ô2, ÿÿ0Indent3à0 àà0 àÔ2ÔÔ3  Ô26 ÿÿ0Indent4à0 àà0 àà0 àÔ2ÔÔ3  Ô2@ ÿÿ0Indent5à0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2J ÿÿ0Indent6à0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2T ÿÿ0Indent7à0 àà0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô2^ ÿÿ0Indent8à0 àà0 àà0 àà0 àà0 àà0 àà0 àÔ2ÔÔ3  Ô  ÿÿ?AGMSYaioIndent0I.A.1.a.(1)(a)i)a)P ÿÿ8Mac DefaultMac DefaultÓ ` °šXÓ< Œ 9p`(&Times New Roman% Line 7 d7Border 1dd€-Cþÿ << Gÿÿ< Œ 9p`(Arial áÝ ƒ!ÝÔ€ÔÝ  ÝÔ€!ÔÔ€!ÔÓ  ÓÔ YYY ÔFILEDÔ€!XÔÌÌò òOctober€9,€1996ÌÌCecil€Crowson,€Jr.ÌÔ€!ôÔAppellate€Court€Clerkó ó zÝ ƒ!ÝÔ€ÔÝ  ÝÝ ƒ $Ýà àòòÚ  ÚÚ  ÚóóÝ  ÝWoods€filed€suit€against€various€defendants;€however,€the€judgment€before€us€entersÏsummary€judgment€in€favor€of€Omaha€only€and€was€rendered€final€by€the€trial€court€in€accordanceÏwith€Rule€54.02€T.R.C.P.€€Thus,€Omaha€is€the€only€Appellee€for€purposes€of€this€appeal.ÌPtPtHHÚ(ÿáÿâùFG(üHHÚ(d'@Styl{WP}01•ÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃÃà Ãà Ãà Ãà Ãà ÃÃÃÃÃÃÃÃÃÃÃÐ ÐÐHHÐÐ  ÐÐ2ÐÐÿÿ¸æ$ÿÐÐHHÐÐÐÐÐÐÐÐ  ÐÐ ÐÐ ÐÑÑÑGenevaÑÑ ÑÑ € ÑÑ<Px–ÈÑÒÒÒ443!#4ÒÒ$ *$ÒÒ$*$ÒÒ ÿKK ÒÒ  Geneva ÒÒ  Geneva ÒÓ.,ÓÓÓÓ6ÓÓ ÓßßßßßßßßßßßßßßßßßßÑGenevaÑÑ ÑÒ  BA Op Geneva ÒÒ  BA Op Geneva Ò++++'ÿÿdxd d("ÿÿ$££Ò  ÒÒ  Ò€-‚ƒCþÿ<< CÿÿƒLevel 1Level 2Level 3Level 4Level 5($$””ò òÚ  Ú1Ú  Úó ó„„'÷ÿ dxdüÿP PdÝ ƒ!ÝÔ . ÔÔ€ÔÝ  ÝÓ` Ü` p”XÓÑ\R AØ'\Ñà@ àò òIN€THE€COURT€OF€APPEALS€OF€TENNESSEE,€WESTERN€SECTIONÌà@ àAT€JACKSONÌà@ à_______________________________________________________ÌÌó óà à)ò òÌHOWARD€A.€WOODS,ó óà à)à àShelby€County€Circuit€CourtÌà à)à àNo.€65172€T.D.Ì€€€€€Plaintiff/Appellant.à à)Ìà à)ÌVS.à à)à àC.€A.€NO.€02A01„9510„CV„00218ÌÙ€€ÙßL€ ";+'h|k:` Å `€€Lßà à)Ìò òMUTUAL€OF€OMAHA,ó óà à)Ìà à)Ì€€€€€Defendant/Appellee.à à)Ìà à)ÌAndà à)Ìà à)Ìò òCNA€INSURANCE€COMPANY,ó óà à)Ìò òand€EASTWOOD€HOSPITALó ó,à à)Ìà à)Ì€€€€€Defendant.à à)Ì______________________________________________________________________________ÌÌFrom€the€Circuit€Court€of€Shelby€County€at€Memphis.Ìò òHonorable€Robert€A.€Lanier,€Judge€€ó óÌÌÌÌò òHoward€A.€Woodsó ó,€Pro€SeÌPlaintiff/Appellant.ÌÌÌÌò òPhilip€E.€Mischkeó ó,ÌWYATT,€TARRANT€&€COMBS,€Memphis,€TennesseeÌAttorney€for€Defendant/Appellee,€Mutual€of€Omaha.ÌÌÌÌOPINION€FILED:ÌÌò òAFFIRMED€ÌÌÌà àFARMER,€J.ÌÌÌÌCRAWFORD,€P.J.,€W.S.€ó ó:€(Concurs)Ìò òLILLARD,€J.€ó ó:€(Concurs)ÌÌÌÌÌÌÌÌÌÌÌÓ  ÓÓ` Ü` ˜XÓÓÓà àThis€case€concerns€the€validity€of€a€ð ðCompromise€Settlement€Releaseðð€executed€byÏthe€appellant,€Howard€A.€Woods€(Woods),€in€favor€of€the€appellee,€Mutual€of€Omaha€(Omaha).€ÏWoods€challenges€its€validity€on€the€ground€of€mental€incapacity.€€The€trial€court€entered€summaryÏjudgment€in€favor€of€Omaha€and€Woods€has€appealed.€€For€reasons€hereinafter€expressed,€weÏaffirm.ÌÌà àIn€March€1991,€Omaha€issued€Woods€two€insurance€policies€(medical€andÏdisability).€€During€the€processing€of€a€claim€filed€by€Woods,€Omaha€discovered€certainÏmisrepresentations€on€Woodsðð€application€for€insurance€which,€according€to€Omaha,€invalidatedÏthe€policies€by€their€own€terms.€€Omaha€informed€Woods€in€November€1991€that€the€policies€wereÏð ðcancelled€from€the€issue€date.ðð€€In€January€1992,€Woods€filed€suit€against€Omaha€allegingÏwrongful€termination€of€his€insurance.€€On€March€27,€1992,€Woods€executed€the€release€at€issueÏhere€which,€in€sum,€releases€Omaha€from€all€claims€arising€out€of€the€aforementioned€insuranceÏpolicies€in€consideration€for€$12,000.€€A€check€for€that€amount€was€negotiated€by€Woods€onÏMarch€30,€1992.€€The€release€expressly€provided€for€the€dismissal€with€prejudice€of€WoodsððÏlawsuit.ÌÌà àIn€June€1994,€Woods€filed€the€present€action€in€general€sessions€court€againÏclaiming€that€Omaha€had€wrongfully€terminated€his€insurance.× ƒ# ××  ×€€The€suit€was€apparently€dismissedÏand€Woods€appealed€the€decision€to€circuit€court.€€Thereafter,€Omaha€filed€a€motion€ð ðto€dismiss€orÏin€the€alternative€for€summary€judgment,ðð€asserting€that€the€action€was€barred€by€the€applicableÍstatute€of€limitations€and€the€doctrines€of€òòò òres€judicataóóó ó€and€accord€and€satisfaction.€€The€affidavitÏof€Janet€Stewart,€Omahaððs€second€vice€president€and€counsel,€was€submitted€on€its€behalf.€€TheÏaffidavit€set€forth€the€terms€of€the€release€as€heretofore€specified€and€included€a€copy€of€the€release.€ÏThe€trial€court€granted€Omahaððs€motion€based€on€the€release.€€ÌÌà àWoods€then€filed€a€ð ðMotion€for€New€Trial,ðð€asserting€that€he€had,€since€entry€of€theÏsummary€judgment,€ð ðgathered€[a]ffidavits€from€his€doctors€to€clarify€his€mental€and€physicalÏcondition€on€3/27/92€.€.€.€.ðð€€No€affidavits€were€attached€to€the€motion.€€Woods€additionally€filed€aÏð ðMotion€to€Set€Asideðð€the€ruling.€€The€affidavit€of€Dr.€Dale€Foster€was€attached,€which€states,€asÏrelevant€here:ÌÌÓÓà8 àà àI€am€a€psychologist€with€the€Germantown€PsychologicalÏAssociates,€P.C.€.€.€.€ÌÌà8 àà àMr.€Woods€is€currently€under€my€care€and€has€requested€thatÏI€inform€you€concerning€the€history€of€his€psychological€conditionÏas€indicated€by€his€treatment€while€under€my€care.ÌÌà8 àà àMr.€Woods€first€came€to€me€on€April€6,€1992€presentingÏwith€paranoia,€psychotic€thinking,€numerous€somatic€complaints,Ïand€extreme€anxiety.ÌÌà8 àà àHe€has€received€a€diagnosis€of€Schizophrenia,€Paranoid€typeÏ.€.€.€.ÌÌà8 àà àIt€is€my€opinion€that,€due€to€his€mental€state€at€that€time,€heÏwas€not€capable€of€entering€into€a€contract€with€full€knowledge€andÏability€to€understand€the€consequences€of€that€contract.ÌÌÌÌÓÓThe€record€next€includes€a€document€filed€by€Woods€entitled€ð ðAmend[ed]€Complaint,ðð€whichÏincludes€the€affidavits€of€Dr.€George€Chu,€addressing€Woodsðð€physical€condition€whileÏhospitalized€in€April€and€May€1991€as€the€result€of€an€automobile€accident,€and€Dr.€John€Howser,Ïwhich€also€addresses€Woodsðð€physical€condition€subsequent€to€the€accident.€€Woods€also€filed€aÏð ðMotion€to€Extend€Time€to€File€Beyond€the€Allotted€Time€After€a€Ruling,ðð€so€as€to€file€additionalÏexpert€affidavits€regarding€his€mental€capacity€ð ðin€1992,ðð€and€various€other€motions.€€AfterÍentertaining€the€motions,€the€trial€court€entered€an€order€denying€Woodsðð€motion€to€set€aside.ÌÓÓÌÓÓà àWoods€thereafter€filed€additional€motions,€with€the€court€subsequently€entering€anÏð ðOrder€on€Motions€and€Final€Judgment€as€to€Mutual€of€Omaha.ðð€€The€judgment,€from€which€thisÏappeal€lies,€grants€Woodsðð€requests€to€file€a€copy€of€his€medical€records€from€Southeast€MentalÏHealth€Center€and€to€reconsider€the€summary€judgment€entered€in€favor€of€Omaha.€€The€judgmentÏfurther€reflects€the€trial€courtððs€denial€of€Woodsðð€motion€to€set€aside€the€summary€judgment€after€itsÏconsideration€of€the€medical€records€and€ð ðall€other€documents€submitted€by€[Woods],€.€.€.ððÌÌà àThe€issue€before€us€is€whether€the€trial€court€was€correct€in€entering€summaryÏjudgment€for€Mutual€of€Omaha.€€In€ruling€on€motions€for€summary€judgment,€we€are€to€considerÏthe€matter€in€the€same€manner€as€a€motion€for€a€directed€verdict€made€at€the€close€of€the€plaintiffððsÏproof,€i.e.,€all€evidence€must€be€viewed€in€a€light€most€favorable€to€the€motionððs€opponent€and€allÏlegitimate€conclusions€of€fact€must€be€drawn€in€that€partyððs€favor.€€It€is€only€when€there€is€noÏdisputed€issue€of€material€fact€that€summary€judgment€should€be€granted€by€the€trial€court€andÏsustained€by€the€court€of€appeals.€€òòò òE.g.,€Fly€v.€Cannonóóó ó,€813€S.W.2d€458,€460€(Tenn.€App.Ï1991).€€The€party€seeking€summary€judgment€carries€the€burden€of€persuading€the€court€that€noÏgenuine€and€material€factual€issues€exist€and€that€he€is,€therefore,€entitled€to€judgment€as€a€matter€ofÏlaw.€€Once€this€is€shown€by€the€moving€party,€then€the€nonmovant€must€demonstrate,€by€affidavitsÏor€discovery€materials,€that€there€is€a€genuine,€material€fact€dispute€warranting€a€trial.€€òòò òByrd€v.ÏHallóóó ó,€847€S.W.2d€208,€211€(Tenn.€1993).ÌÌà àAs€heretofore€noted,€the€trial€court€granted€Omahaððs€motion€for€summary€judgment€Ïbased€on€the€release€executed€by€Woods,€who€now€challenges€its€validity€upon€the€ground€that€heÏwas€mentally€incompetent€to€execute€it.€€The€mental€incapacity€required€to€invalidate€a€contract€wasÏdiscussed€by€the€middle€section€of€this€Court€in€òòò òRoberts€v.€Robertsóóó ó,€827€S.W.2d€788€(Tenn.ÏApp.€1991),€when€stating:ÌÌÓÓà8 àà àNo€published€Tennessee€authority€is€found€which€definesÏ[the]€degree€of€mental€incapacity€required€to€invalidate€a€contract.€.€.Ï.ÌÌà8 àà àIn€17€C.J.S.€Contracts€ðð€133(1)(e),€pp.€860,€861,€862,€isÏfound€the€following€text:ÌÌà8 àà8 àà àThe€test€of€mental€capacity€to€contract€isÏwhether€the€person€in€question€possesses€sufficientÏmind€to€understand,€in€a€reasonable€manner,€theÏnature,€extent,€character,€and€effect€of€the€act€orÏtransaction€in€which€he€is€engaged;€the€law€does€notÏgauge€contractual€capacity€by€the€standard€of€mentalÏcapacity€possessed€by€reasonably€prudent€men.€€It€isÏnot€necessary€to€show€that€a€person€was€incompetentÏto€transact€any€kind€of€business,€but€to€invalidate€hisÏcontract€it€is€sufficient€to€show€that€he€was€mentallyÏincompetent€to€deal€with€the€particular€contract€inÏissue,€.€.€.€ÌÌà8 àà8 àà àOn€the€other€hand,€to€avoid€a€contract€it€isÏinsufficient€to€show€merely€that€the€person€was€ofÏunsound€mind€or€insane€when€it€was€made,€but€itÏmust€also€be€shown€that€this€unsoundness€or€insanityÏwas€of€such€a€character€that€he€had€no€reasonableÏperception€or€understanding€of€the€nature€or€terms€ofÏthe€contract.€The€extent€or€degree€of€intellectÏgenerally€is€not€in€issue,€but€merely€the€mentalÏcapacity€to€know€the€nature€and€terms€of€the€contract.ÌÌà8 àà8 àà à.€.€.€€there€must,€to€invalidate€the€contract,€beÏat€the€time€thereof€such€impairment€of€reasoningÏpowers€as€to€make€the€person€incapable€of€actingÏrationally€in€the€transaction€involved,€or€such€mentalÏunsoundness€as€occasions€an€inability€to€comprehendÏthe€subject€of€the€contract€and€its€nature€and€probableÏconsequences,€or€as€renders€the€individual€incapableÏof€understanding€and€acting€with€discretion€in€theÏbusiness€at€hand;€and€it€has€been€held€that€toÏinvalidate€his€contract€there€must€be€an€entire€loss€ofÏa€personððs€understanding€as€respects€suchÏtransaction.ÌÌà8 àà8 àà àIn€the€final€analysis,€contractual€capacity€is€aÏquestion€to€be€resolved€in€the€light€of€the€facts€ofÏeach€case€and€the€surrounding€circumstances.ÌÌÌÌÓÓòòò òRobertsóóó ó,€827€S.W.2d€at€791„92.ÌÌà àIn€view€of€òòò òRobertsóóó ó,€we€hold€that€in€order€for€Woods€to€defeat€Omahaððs€motion€forÍsummary€judgment,€the€record€before€us€must€establish€his€mental€incompetency€with€respect€toÏthe€particular€contract€in€issue.€€We€find€nothing€in€this€record,€however,€specifically€addressingÏthis€concern.€€The€records€of€Southeast€Mental€Health€Center€include€an€ð ðintake€summary,ðð€datedÏMarch€6,€1992,€which€references€Woodsðð€overall€mental€status€at€that€time,€as€does€anotherÏpsychological€evaluation€of€Woods€dated€January€4,€1994.€€We€find€both€of€these€assessments€ofÏlittle€import€in€determining€whether€Woods€had€the€capacity€to€execute€the€release€in€question.€€TheÏrecord€also€includes€the€Department€of€Health€and€Human€Serviceððs€decision€that€Woods€isÏdisabled€for€purposes€of€the€Social€Security€Act.€€The€decision€states€that€Woods€ð ðhas€beenÏdisabled€since€April€29,€1991,€.€.€.€€He€has€a€psychotic€disorder€not€otherwise€specified,€possibleÏparanoid€schizophrenia,€borderline€intellectual€functioning,€carpel€tunnel€syndrome,€and€cervicalÏfacet€syndrome,€which€are€considered€to€be€ððsevereðð€under€the€Social€Security€Regulations.ðð€€As€isÏapparent,€the€Departmentððs€decision€does€not€concern€Woodsðð€capacity€to€understand€andÏappreciate€the€contract€in€question.€€The€only€evidence€in€the€record€addressing€Woodsðð€capacity€toÏenter€into€a€contract€is€the€affidavit€of€Dr.€Foster,€which€we€find€inadequate€on€the€issue.€€Dr.ÏFosterððs€affidavit€establishes€that€he€did€not€begin€treating€Woods€until€April€6,€1992,€which€wasÏafter€the€agreementððs€execution.€€Moreover,€the€affidavit€refers€only€to€Woodsðð€general€inability€toÏenter€into€a€contract€and€does€not€make€specific€reference€to€the€contract€at€issue.ÌÌà àWe€conclude€that€when€the€evidence€is€viewed€in€a€light€most€favorable€to€Woods,Ïno€genuine€issue€of€material€fact€is€created€regarding€his€mental€capacity€to€execute€the€release€onÏMarch€27,€1992.€€The€judgment€of€the€trial€court€is,€accordingly,€affirmed.€€Costs€are€assessedÏagainst€Howard€A.€Woods,€for€which€execution€may€issue€if€necessary.ÌÌÓ` Ü` È“XÓÓÓà à______________________________Ìà àFARMER,€J.ÌÌÌÌ______________________________ÌCRAWFORD,€P.J.,€W.S.€(Concurs)ÌÌÌÌ______________________________ÌLILLARD,€J.€(Concurs)