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      <DIV class=3DSection1>
      <P class=3DMsoNormal style=3D"TEXT-ALIGN: justify"><A =
name=3Da1></A><B><SPAN=20
      style=3D"FONT-SIZE: 13pt">Affirmed and Majority and Dissenting =
Opinions=20
      filed January 9, 2007.</SPAN></B></P>
      <P class=3DMsoNormal style=3D"TEXT-ALIGN: justify"><B><SPAN=20
      style=3D"FONT-SIZE: 13pt"></SPAN></B>&nbsp;</P>
      <P class=3DMsoNormal style=3D"TEXT-ALIGN: center" =
align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt"></SPAN></B>&nbsp;</P>
      <P class=3DMsoNormal style=3D"TEXT-ALIGN: center" =
align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt">In The</SPAN></B></P>
      <P class=3DMsoNormal style=3D"TEXT-ALIGN: center" =
align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt"></SPAN></B>&nbsp;</P>
      <P class=3DMsoNormal style=3D"TEXT-ALIGN: center" =
align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 18pt; FONT-FAMILY: 'EngrvrsOldEng Bd =
BT'">Fourteenth=20
      Court of Appeals</SPAN></B></P>
      <P class=3DMsoNormal style=3D"TEXT-ALIGN: center" =
align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; FONT-FAMILY: 'Estrangelo =
Edessa'">_______________</SPAN></B></P>
      <P class=3DMsoNormal style=3D"TEXT-ALIGN: center" =
align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt"></SPAN></B>&nbsp;</P>
      <P class=3DMsoNormal style=3D"TEXT-ALIGN: center" =
align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt">NO. <A =
name=3Da2>14-04-00888</A>-CV</SPAN></B></P>
      <P class=3DMsoNormal style=3D"TEXT-ALIGN: center" =
align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt">_______________</SPAN></B></P>
      <P class=3DMsoNormal style=3D"TEXT-ALIGN: center" =
align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt"></SPAN></B>&nbsp;</P>
      <P class=3DMsoNormal style=3D"TEXT-ALIGN: center" =
align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt">PABLO TELLO, Appellant</SPAN></B></P>
      <P class=3DMsoNormal style=3D"TEXT-ALIGN: center" =
align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt"></SPAN></B>&nbsp;</P>
      <P class=3DMsoNormal style=3D"TEXT-ALIGN: center" =
align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt">V.</SPAN></B></P>
      <P class=3DMsoNormal style=3D"TEXT-ALIGN: center" =
align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt"></SPAN></B>&nbsp;</P>
      <P class=3DMsoNormal style=3D"TEXT-ALIGN: center" =
align=3Dcenter><A=20
      name=3Da4></A><B><SPAN style=3D"FONT-SIZE: 13pt">BANK ONE, N.A. =
and BANC ONE=20
      ACCEPTANCE CORP., Appellees</SPAN></B></P>
      <P class=3DMsoNormal style=3D"LINE-HEIGHT: 150%; TEXT-ALIGN: =
center"=20
      align=3Dcenter><B><U><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: =
150%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&=
nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&n=
bsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nb=
sp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbs=
p;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp=
;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&=
nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&n=
bsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nb=
sp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbs=
p;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=20
      =
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&=
nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</SPAN></U></B></P>
      <P class=3DMsoNormal style=3D"TEXT-ALIGN: center" =
align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt">On Appeal from the <A =
name=3Da5></A>County Civil=20
      Court at Law No. 2</SPAN></B></P>
      <P class=3DMsoNormal style=3D"TEXT-ALIGN: center" =
align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt">Harris<A name=3Da6></A> County, =
Texas</SPAN></B></P>
      <P class=3DMsoNormal style=3D"TEXT-ALIGN: center" =
align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt">Trial Court Cause No.<A name=3Da7></A>=20
      786,601</SPAN></B></P>
      <P class=3DMsoNormal style=3D"TEXT-ALIGN: center" =
align=3Dcenter><B><U><SPAN=20
      style=3D"FONT-SIZE: =
13pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&=
nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&n=
bsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nb=
sp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbs=
p;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp=
;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&=
nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&n=
bsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nb=
sp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbs=
p;&nbsp;&nbsp;=20
      =
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&=
nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</SPAN></U></B></P>
      <P class=3DMsoNormal style=3D"TEXT-ALIGN: center" =
align=3Dcenter><SPAN=20
      style=3D"FONT-SIZE: 13pt"></SPAN>&nbsp;</P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 7.35pt; LINE-HEIGHT: 150%; TEXT-ALIGN: =
center"=20
      align=3Dcenter><B><SPAN style=3D"FONT-SIZE: 14pt; LINE-HEIGHT: =
150%">M A J O R=20
      I T Y&nbsp; O P I N I O N</SPAN></B></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">Appellant, Pablo =
Tello, appeals=20
      a summary judgment in favor of appellees, Bank One, N.A. and Bank =
One=20
      Acceptance Corp., on their claim against Tello for breach of a =
vehicle=20
      lease agreement and on Tello</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s counterclaims for =
DTPA=20
      violations, common-law fraud, and breach of contract.&nbsp; We=20
      affirm.</SPAN></P></DIV><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'Times =
New Roman'"><BR=20
      style=3D"PAGE-BREAK-BEFORE: always" clear=3Dall></SPAN>
      <DIV class=3DSection2>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; LINE-HEIGHT: 150%; TEXT-ALIGN: =
center"=20
      align=3Dcenter><B><SPAN style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: =
150%">I.&nbsp;=20
      <SPAN style=3D"TEXT-TRANSFORM: =
uppercase">Background</SPAN></SPAN></B></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">Tello entered into a =
written=20
      agreement to lease a truck from Randall Reed Ford.&nbsp; The lease =
shows=20
      Randall Reed Ford as lessor and Tello as lessee.&nbsp; In the same =

      agreement, Randall Reed Ford assigned the lease and the vehicle to =
Banc=20
      One Texas Leasing Corp.&nbsp; Subsequently, Banc One Texas Leasing =
Corp.=20
      merged with Banc One Acceptance Corp. &nbsp;By virtue of this =
merger, Banc=20
      One Acceptance Corp. became the owner/lessor of the vehicle.&nbsp; =
The=20
      title to the vehicle shows Bank One Texas N.A. as =
lienholder.&nbsp; Bank=20
      One Texas N.A. subsequently merged with Bank One, N.A.&nbsp; By =
virtue of=20
      this merger, Bank One, N.A. became lienholder.</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">Bank One, N.A. and =
Banc One=20
      Texas Leasing Corp. eventually sued Tello, alleging he defaulted =
on the=20
      lease by failing to make some monthly payments.<A title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftn1"=20
      name=3D_ftnref1><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
13pt">[1]</SPAN></SUP></SPAN></SUP></SPAN></A>&nbsp; In=20
      his answer, Tello raised the affirmative defenses of failure of=20
      consideration, fraudulent inducement, and equitable =
estoppel.&nbsp; He=20
      also asserted counterclaims for DTPA violations, common-law fraud, =
and=20
      breach of contract, seeking to recover his own alleged damages and =
offset=20
      any recovery by the Bank on its breach of contract claim.&nbsp; =
His=20
      affirmative defenses and counterclaims were all based on his =
allegation=20
      that he does not read or write English and the Randall Reed Ford=20
      salesperson induced him to sign the lease by misrepresenting it =
was an=20
      agreement to purchase the vehicle.</SPAN></P></DIV><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'Times =
New Roman'"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN>
      <DIV class=3DSection3>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">Bank One, N.A. and =
Banc One=20
      Acceptance Corp. moved for summary judgment on their claim against =
Tello=20
      and on his counterclaims.&nbsp; The trial court signed a =
</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">First Amended Summary =

      Judgment</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%"> on July 27, =
2004,&nbsp;=20
      granting summary judgment in favor of Bank One, N.A. and Banc One=20
      Acceptance Corp. on their claim against Tello and on his =
counterclaims.<A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftn2"=20
      name=3D_ftnref2><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: 13pt">[2]</SPAN></SUP></SPAN></SUP></SPAN></A> =
The trial=20
      court awarded the Bank $29,366.24 in damages, $13,933.86 for=20
      attorney</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s fees and costs, and =

      post-judgment interest.<A title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftn3"=20
      name=3D_ftnref3><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
13pt">[3]</SPAN></SUP></SPAN></SUP></SPAN></A>&nbsp;&nbsp;=20
      The trial court also ordered Tello to surrender the vehicle to the =
Bank.<A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftn4"=20
      name=3D_ftnref4><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
13pt">[4]</SPAN></SUP></SPAN></SUP></SPAN></A></SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; LINE-HEIGHT: 150%; TEXT-ALIGN: =
center"=20
      align=3Dcenter><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; TEXT-TRANSFORM: uppercase; LINE-HEIGHT: =
150%">II.&nbsp;=20
      Discussion</SPAN></B></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">In six issues, Tello =
contends=20
      the trial court erred by (1) granting the Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s motion for summary =
judgment=20
      on its breach of contract claim; (2) granting the Bank</SPAN><SPAN =

      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s motion for summary =
judgment=20
      on Tello</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s affirmative defense =
of=20
      fraudulent inducement; (3) granting the Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s motion for summary =
judgment=20
      on Tello</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s affirmative defense =
of=20
      equitable estoppel; (4) granting the Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s motion for summary =
judgment=20
      on Tello</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s DTPA counterclaim; =
(5)=20
      generally granting the Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s motion for summary =
judgment;=20
      and (6) granting the Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s motion for summary =
judgment=20
      on its claim for damages.</SPAN></P></DIV><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'Times =
New Roman'"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN>
      <DIV class=3DSection4>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">For a plaintiff to =
prevail on a=20
      motion for summary judgment when, as here, the defendant has =
asserted a=20
      counterclaim, the plaintiff must prove, as a matter of law, each =
element=20
      of its cause of action and show it is entitled to summary judgment =
on the=20
      counterclaim.&nbsp; <I>See First State Bank of Athens, Mabank =
Branch v.=20
      Purina AG Capitol Corp.</I>, 113 S.W.3d 1, 4 (Tex. =
App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">Tyler 1999, no pet.); =
<I>see=20
      also Rush v. Barrios</I>, 56 S.W.3d 88, 97 (Tex. App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">Houston [14th Dist.] =
2001, pet.=20
      denied).&nbsp; A plaintiff asserting a traditional motion for =
summary=20
      judgment in opposition to a defendant</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s counterclaim must =
disprove at=20
      least one essential element of the counterclaim as a matter of =
law.<A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftn5"=20
      name=3D_ftnref5><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
13pt">[5]</SPAN></SUP></SPAN></SUP></SPAN></A>&nbsp;=20
      <I>See</I> <SPAN style=3D"TEXT-TRANSFORM: uppercase">Tex. R. Civ. =
P.=20
      </SPAN>166a(c); <I>First State Bank</I>, 113 S.W.3d at 4;<I> =
Rush</I>, 56=20
      S.W.3d at 97; <I>Taylor v. GWR Operating Co.</I>, 820 S.W.2d 908, =
910=20
      (Tex. App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">Houston [1st Dist.] =
1991, writ=20
      denied).&nbsp; If the movant establishes a right to summary =
judgment, the=20
      burden shifts to the non-movant to present evidence raising a =
material=20
      fact issue.&nbsp; <I>See Centeq Realty, Inc. v. Siegler</I>, 899 =
S.W.2d=20
      195, 197 (Tex. 1995).</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">If, as here, the =
non-movant=20
      relies on an affirmative defense to oppose the summary judgment =
motion, he=20
      must provide sufficient summary judgment evidence to create a fact =
issue=20
      on each element of the defense.&nbsp; <I>See Brownlee v. =
Brownlee</I>, 665=20
      S.W.2d 111, 112 (Tex. 1984); <I>Anglo&#8209;Dutch Petroleum=20
      Int</I></SPAN><I><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN></I><I><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">l, Inc. v.=20
      Haskell</SPAN></I><SPAN style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: =
150%">, 193=20
      S.W.3d 87, 95 (Tex. App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">Houston [1st Dist.] =
2006, pet.=20
      denied).&nbsp; The non-movant is not required to prove the =
affirmative=20
      defense as a matter of law; raising a fact issue is sufficient to =
defeat=20
      summary judgment.&nbsp; <I>See Brownlee</I>, 665 S.W.2d at 112;=20
      <I>Anglo&#8209;Dutch Petroleum</I>, 193 S.W.3d at 95. </SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">We review a summary =
judgment de=20
      novo.&nbsp; <I>Valence Operating Co. v. Dorsett</I>, 164 S.W.3d =
656, 661=20
      (Tex. 2005).&nbsp; We take all evidence favorable to the nonmovant =
as true=20
      and&nbsp; indulge every reasonable inference and resolve any =
doubts in=20
      favor of the nonmovant.&nbsp; <I>Id.</I></SPAN></P></DIV><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'Times =
New Roman'"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN>
      <DIV class=3DSection5>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; LINE-HEIGHT: 150%; TEXT-ALIGN: =
justify"><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: =
150%">A.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=20
      The Bank</SPAN></B><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN></B><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s Breach of Contract=20
      Claim</SPAN></B></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">In his first stated =
issue,=20
      Tello contends the trial court erred by granting the =
Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s motion for summary =
judgment=20
      on its breach of contract claim.&nbsp; Tello makes one argument,=20
      consisting of two-and-a-half-page pages, to support all his issues =

      challenging the summary judgment with respect to his liability to =
the Bank=20
      and with respect to his counterclaim.&nbsp; At the outset of this=20
      argument, he makes a bare assertion that a genuine issue of =
material fact=20
      existed on the Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s breach of contract=20
      claim.&nbsp; However, in the argument that follows, he never =
asserts that=20
      the Bank failed to prove the elements of its breach of contract=20
      claim.&nbsp; Instead, in what little argument he does advance, he =
mentions=20
      only the factual allegations which form the basis of his =
counterclaim and=20
      affirmative defenses.&nbsp; Therefore, to the extent, he contends =
the Bank=20
      failed to prove the elements of its breach of contract claim, he =
has=20
      waived any such contention by failing to include any argument.<A =
title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftn6"=20
      name=3D_ftnref6><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
13pt">[6]</SPAN></SUP></SPAN></SUP></SPAN></A>&nbsp;&nbsp;=20
      <I>See</I> <SPAN style=3D"TEXT-TRANSFORM: uppercase">Tex. R. App. =
P.=20
      </SPAN>38.1(h) (providing that appellant</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s brief must contain =
a clear=20
      and concise argument for the contentions made, with appropriate =
citations=20
      to authorities and the record); <I>Sunnyside Feedyard, L.C. v.=20
      Metropolitan Life Ins. Co.</I>, 106 S.W.3d 169, 173 (Tex. =
App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">Amarillo 2003, no =
pet.)=20
      (recognizing failure to either cite authority or advance =
substantive=20
      analysis waives an issue on appeal).&nbsp; We overrule his first=20
      issue.</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt 0.5in; TEXT-INDENT: -0.5in; =
LINE-HEIGHT: 150%; TEXT-ALIGN: justify"><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: =
150%">B.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=20
      Tello</SPAN></B><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN></B><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s DTPA=20
      Counterclaim</SPAN></B></P></DIV><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'Times =
New Roman'"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN>
      <DIV class=3DSection6>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">We will next address=20
      Tello</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s fourth issue, in =
which he=20
      challenges the summary judgment on his DTPA counterclaim.<A =
title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftn7"=20
      name=3D_ftnref7><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
13pt">[7]</SPAN></SUP></SPAN></SUP></SPAN></A>&nbsp;&nbsp;=20
      At the outset of his argument, he generally contends that a =
genuine issue=20
      of material fact existed on his DTPA counterclaim and refers to =
the DTPA=20
      as 17.46(b) of the Texas Business and Commerce Code.&nbsp; =
However, he=20
      does not thereafter mention the DTPA&nbsp; again,&nbsp; cite the =
elements=20
      of a DTPA claim, or specify which acts prohibited by the DTPA were =

      allegedly committed by the Bank.&nbsp; <I>See Proctor v. =
White</I>, 155=20
      S.W.3d 438, 441 (Tex. App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">El Paso 2004, pet. =
denied)=20
      (finding appellants waived challenge to summary judgment on =
several claims=20
      because their argument consisted of several pages referring to =
evidence in=20
      support of factual allegations without a single reference to a =
relevant=20
      case or legal principle).&nbsp; </SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">Nonetheless, in his =
pleading,=20
      Tello alleged that the Bank violated the DTPA by: (1) representing =

      </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">that an agreement =
confers or=20
      involves rights, remedies, or obligations which it does not have =
or=20
      involve, or which are prohibited by law,</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%"> <I>&nbsp;see =
</I><SPAN=20
      style=3D"TEXT-TRANSFORM: uppercase">Tex. Bus. &amp; Com. Code=20
      Ann</SPAN>.<SPAN style=3D"TEXT-TRANSFORM: uppercase"> =
</SPAN></SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">'</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%"> 17.46(b)(12) (Vernon =
Supp.=20
      2006); <SPAN style=3D"TEXT-TRANSFORM: uppercase">Tex. Bus. &amp; =
Com. Code=20
      Ann</SPAN>.<SPAN style=3D"TEXT-TRANSFORM: uppercase"> =
</SPAN></SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">'</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%"> 17.50(a)(1)(A) =
(Vernon Supp.=20
      2006); and (2) engaging in an </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">unconscionable action =
or course=20
      of action</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%"> by taking =
</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">advantage of the lack =
of=20
      knowledge, ability, experience, or capacity of [Tello] to a =
grossly unfair=20
      degree.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%"> S<I>ee </I><SPAN=20
      style=3D"TEXT-TRANSFORM: uppercase">Tex. Bus. &amp; Com. Code=20
      Ann</SPAN>.<SPAN style=3D"TEXT-TRANSFORM: uppercase"> =
</SPAN></SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">'</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%"> 17.50(a)(3) (Vernon =
Supp.=20
      2006); <SPAN style=3D"TEXT-TRANSFORM: uppercase">Tex. Bus. &amp; =
Com. Code=20
      Ann</SPAN>. </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">'</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%"> 17.45(5) (Vernon=20
      2002).&nbsp;&nbsp;&nbsp; </SPAN></P></DIV><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'Times =
New Roman'"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN>
      <DIV class=3DSection7>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">Although Tello =
asserted that=20
      the Bank violated these provisions, the factual allegation he =
pleaded was=20
      that the <I>Randall Reed Ford salesperson </I>misrepresented the =
lease was=20
      a purchase agreement.&nbsp; In support of its motion for summary =
judgment,=20
      the Bank presented an affidavit of its representative who averred =
as=20
      follows:&nbsp; the Bank made no representations to Tello before, =
during,=20
      or at the time of execution of the lease; the Bank had no =
representative=20
      present at the time of the transaction; the Bank was purely a =
financial=20
      institution which purchased the vehicle and the lease from Randall =
Reed=20
      Ford; and Randall Reed Ford was not an agent of the Bank or =
authorized by=20
      the Bank to make any representations to Tello.<A title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftn8"=20
      name=3D_ftnref8><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
13pt">[8]</SPAN></SUP></SPAN></SUP></SPAN></A>&nbsp;=20
      Therefore, the Bank negated the assertion that it made any=20
      misrepresentations to Tello as alleged in his counterclaim and =
shifted the=20
      burden to Tello to raise a fact issue on that claim.<A title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftn9"=20
      name=3D_ftnref9><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
13pt">[9]</SPAN></SUP></SPAN></SUP></SPAN></A>&nbsp;=20
      <I>See Centeq Realty</I>, 899 S.W.2d at 197.</SPAN></P></DIV><SPAN =

      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'Times =
New Roman'"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN>
      <DIV class=3DSection8>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">In response to the =
motion for=20
      summary judgment and on appeal, Tello merely referred to the =
contents of=20
      his affidavit attached to his response.<A title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftn10"=20
      name=3D_ftnref10><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
13pt">[10]</SPAN></SUP></SPAN></SUP></SPAN></A>&nbsp; In=20
      the affidavit, he averred that he does not speak or write English =
and an=20
      unnamed Randall Reed Ford salesperson led him to believe the lease =
was a=20
      purchase agreement.&nbsp; Therefore, despite the Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s evidence, Tello =
continued to=20
      rely solely on the Randall Reed Ford salesperson</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s alleged =
misrepresentation to=20
      purportedly create a fact issue on his DTPA counterclaim against =
the=20
      Bank.&nbsp; However, in response to the motion for summary =
judgment and on=20
      appeal, Tello offered no argument, authority, or theory to show =
that the=20
      Bank entities who are the current lessor and lienholder may be =
liable=20
      under the DTPA for the Randall Reed Ford salesperson</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s alleged=20
      misrepresentation.</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">We recognize that we =
must=20
      </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">construe the Rules of =
Appellate=20
      Procedure reasonably, yet liberally, so that the right to appeal =
is not=20
      lost by imposing requirements not absolutely necessary to effect =
the=20
      purpose of a rule.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">&nbsp; <I>Republic =
Underwriters=20
      Ins. Co. v. Mex&#8209;Tex, Inc.</I>, 150 S.W.3d 423, 427 (Tex. =
2004); <I>see</I>=20
      <SPAN style=3D"TEXT-TRANSFORM: uppercase">Tex. R. App. P. =
</SPAN>38.9.&nbsp;=20
      However, </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">we know of no =
authority=20
      obligating us to become advocates for a particular litigant =
through=20
      performing their research and developing their argument for=20
      them.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">&nbsp; <I>See</I> =
<I>Jordan v.=20
      Jefferson County</I>, 153 S.W.3d 670, 676 (Tex. App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">Amarillo 2004, pet.=20
      denied).&nbsp; We would improperly become an advocate for Tello if =
we were=20
      to develop an argument for imposition of liability on the Bank =
entities=20
      who are the current lessor and lienholder because of the Randall =
Reed Ford=20
      salesperson</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s alleged=20
      misrepresentations.&nbsp; In addition, we may not consider grounds =
for=20
      reversal of a summary judgment that were not expressly presented =
to the=20
      trial court by written response to the motion.&nbsp; <I>See</I> =
<SPAN=20
      style=3D"TEXT-TRANSFORM: uppercase">Tex. R. Civ. P. =
</SPAN>166a(c); <I>see=20
      McConnell v. Southside Indep. School Dist.</I>, 858 S.W.2d 337, =
343 (Tex.=20
      1993) (plurality op.).&nbsp; Accordingly, Tello has not =
demonstrated that=20
      there was a genuine issue of material fact on his DTPA =
counterclaim=20
      against the Bank.&nbsp; We overrule his fourth issue.</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0in 6.8pt 0.5in; TEXT-INDENT: -0.5in; =
LINE-HEIGHT: 150%; TEXT-ALIGN: justify"><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: =
150%">C.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=20
      Tello</SPAN></B><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN></B><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s Affirmative=20
      Defenses</SPAN></B></P></DIV><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'Times =
New Roman'"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN>
      <DIV class=3DSection9>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">In his second and =
third issues,=20
      Tello contends he raised a fact issue on his affirmative defenses =
of=20
      fraudulent inducement and equitable estoppel sufficient to defeat =
the=20
      Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s motion for summary=20
      judgment.<A title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftn11"=20
      name=3D_ftnref11><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
13pt">[11]</SPAN></SUP></SPAN></SUP></SPAN></A>&nbsp;=20
      Tello generally refers to his affidavit, but other than the =
general=20
      summary judgment standards, he cites no authority. &nbsp;He does =
not cite=20
      the elements of the doctrines of fraudulent inducement and =
equitable=20
      estoppel, much less argue why his affidavit raised a fact issue on =
each=20
      element of these defenses.&nbsp; <I>See Sunnyside Feedyard</I>, =
106 S.W.3d=20
      at 173 (holding appellant waived contention that fact issue =
existed on=20
      legal doctrines sufficient to defeat summary judgment by referring =
to=20
      well-developed doctrines without citing basic authority as to =
their=20
      elements or any analysis to show a fact issue existed on these=20
      doctrines).&nbsp; </SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">Nevertheless, in =
response to=20
      the motion for summary judgment and on appeal, Tello relied solely =
on the=20
      Randall Reed Ford salesperson</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s alleged =
misrepresentation to=20
      purportedly raise a fact issue on his affirmative defenses to the=20
      Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s breach of contract=20
      claim.&nbsp; However, Tello offered no argument, authority, or =
theory to=20
      show that the Bank entities who are the current lessor and =
lienholder=20
      should be bound by the Randall Reed Ford salesperson</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s alleged =
misrepresentation or=20
      otherwise subject to any defenses Tello may have had against =
Randall Reed=20
      Ford.&nbsp; Again, if we were to craft such an argument on=20
      Tello</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s behalf, we would =
improperly=20
      become his advocate and improperly consider an issue not expressly =

      presented to the trial court in his summary judgment =
response.&nbsp;=20
      Accordingly, Tello has not demonstrated that he raised a genuine =
issue of=20
      material fact issue on his affirmative defenses.&nbsp; We overrule =
his=20
      second and third issues.</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">In his fifth issue, =
Tello=20
      generally states that the trial court erred by granting the=20
      Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s motion for summary=20
      judgment.&nbsp; Because we have addressed all the arguments =
purportedly=20
      raised in his first five issues with respect to his liability on =
the=20
      Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s breach of contract =
claim and=20
      with respect to his counterclaim, we overrule his fifth =
issue.</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; LINE-HEIGHT: 150%; TEXT-ALIGN: =
justify"><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: =
150%">D.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=20
      The Bank</SPAN></B><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN></B><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s=20
      Damages</SPAN></B></P></DIV><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'Times =
New Roman'"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN>
      <DIV class=3DSection10>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">In his sixth issue, =
Tello=20
      asserts that the trial court erred by entering summary judgment =
because=20
      there is a genuine issue of material fact regarding the =
Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s claim for =
damages.&nbsp; With=20
      respect to this issue, Tello primarily refers to his affidavit, in =
which=20
      he averred that, approximately three years after he executed the=20
      agreement, he called the Bank to inquire about his balance and was =

      informed the agreement was a lease</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">not a purchase =
agreement.&nbsp;=20
      Within about a month, he returned the vehicle to Randall Reed =
Ford.&nbsp;=20
      Other than reciting the general summary judgment standards,=20
      Tello</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s argument regarding =
the effect=20
      of this averment consists solely of the&nbsp; =
following:</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN: 0in 0.5in 6.8pt; LINE-HEIGHT: 150%; TEXT-ALIGN: =
justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">Had the trial court =
taken into=20
      account [Tello</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s] claim that he =
returned the=20
      vehicle, the damages would be significantly decreased.&nbsp; The =
affidavit=20
      filed by [Tello] clearly raises a genuine issue of material fact, =
which is=20
      an issue for a judge and jury to decide.</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">It is not clear =
whether Tello=20
      seeks to avoid liability on the lease based on his return of the =
vehicle=20
      or merely offset the amount of the Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s damages, although =
his=20
      assertion suggests the latter.&nbsp; Nevertheless, Tello does not =
cite any=20
      authority, offer any argument, or point to any evidence generally =
showing=20
      why he might be entitled to avoid liability on the lease or offset =
the=20
      Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s damages based on =
his return=20
      of the vehicle.&nbsp; Even liberally&nbsp; construing his brief, =
we do not=20
      know the basis for his allegation that he was entitled to avoid =
liability=20
      or offset the damages by returning the vehicle.&nbsp; Based on his =
scant=20
      argument, we cannot determine whether he is relying on a provision =
of the=20
      lease, some legal principle, or both.</SPAN></P></DIV><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'Times =
New Roman'"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN>
      <DIV class=3DSection11>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">More particularly, =
Tello does=20
      not cite any authority, offer any argument, or point to any =
evidence=20
      showing why he might be entitled to avoid liability or offset the =
damages=20
      awarded the <I>Bank entity</I>, who is the current owner and =
lessor, based=20
      on his return of the vehicle to <I>Randall Reed Ford</I>, the =
former owner=20
      and lessor.&nbsp; Consequently, by failing to make any substantive =

      analysis whatsoever, Tello has waived his contention that his =
return of=20
      the vehicle raised a fact issue sufficient to defeat the =
Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s claim for damages =
or offset=20
      its damages.<I>&nbsp; See </I><SPAN style=3D"TEXT-TRANSFORM: =
uppercase">Tex.=20
      R. App. P. </SPAN>38.1(h); <I>Sunnyside Feedyard</I>, 106 S.W.3d =
at 173;=20
      <I>see also Nguyen v. Kosnoski</I>, 93 S.W.3d 186, 188 (Tex.=20
      App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">Houston [14th Dist.] =
2002, no=20
      pet.) (finding appellant waived issue on appeal by failing to =
support=20
      argument with legal authority or&nbsp; references to the record);=20
      <I>cf.</I> <I>Mex&#8209;Tex, Inc.</I>, 150 S.W.3d at 427 (holding =
appellant did=20
      not waive argument by citing only one statute in its brief =
considering it=20
      was clear appellant was relying solely on this statute and no =
other=20
      authority was necessary).<A title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftn12"=20
      name=3D_ftnref12><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
13pt">[12]</SPAN></SUP></SPAN></SUP></SPAN></A></SPAN></P></DIV><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'Times =
New Roman'"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN>
      <DIV class=3DSection12>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">Moreover, in response =
to the=20
      motion for summary judgment, Tello did not raise his contention =
that his=20
      return of the vehicle should offset the Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s damages or =
otherwise defeat=20
      its entitlement to summary judgment.&nbsp; The non&#8209;movant =
must expressly=20
      present to the trial court, by written answer or response, any =
issues=20
      defeating the movant</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s entitlement to =
summary=20
      judgment.&nbsp; <I>McConnell</I>, 858 S.W.2d at 343 (citing =
<I>City of=20
      Houston v. Clear Creek Basin Auth.</I>, 589 S.W.2d 671, 678 =
(Tex.1979));=20
      <I>Dubose v. Worker</I></SPAN><I><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN></I><I><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s Medical, =
P.A.</SPAN></I><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">, 117 S.W.3d at 916, =
920 (Tex.=20
      App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">Houston [14th Dist.] =
2003, no=20
      pet.); <I>see</I> <SPAN style=3D"TEXT-TRANSFORM: uppercase">Tex. =
R. Civ. P.=20
      </SPAN>166a(c).&nbsp; </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">Issues not expressly =
presented=20
      to the trial court by written motion, answer or other response =
shall not=20
      be considered on appeal as grounds for reversal.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">&nbsp; <SPAN=20
      style=3D"TEXT-TRANSFORM: uppercase">Tex. R. Civ. P. =
</SPAN>166a(c); <I>see=20
      McConnell</I>, 858 S.W.2d at 343; <I>Dubose</I>, 117 S.W.3d at =
920.&nbsp;=20
      Issues are not expressly presented by mere reference to summary =
judgment=20
      evidence.&nbsp; <I>McConnell</I>, 858 S.W.2d at 341; <I>see</I>=20
      <I>Dubose</I>, 117 S.W.3d at 920; <I>D.M. Diamond Corp. v. Dunbar =
Armored,=20
      Inc.</I>, 124 S.W.3d 655, 659</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">B</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">60 (Tex. =
App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">Houston [14th Dist.] =
2003, no=20
      pet.).<A title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftn13"=20
      name=3D_ftnref13><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
13pt">[13]</SPAN></SUP></SPAN></SUP></SPAN></A>&nbsp;=20
      However, summary judgments must stand or fall on their own merits, =
and the=20
      non&#8209;movant</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s failure to answer =
or respond=20
      cannot supply by default the summary judgment proof necessary to =
establish=20
      the movant</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s right.&nbsp;=20
      <I>McConnell</I>, 858 S.W.2d at 343 (citing <I>Clear Creek</I>, =
589 S.W.2d=20
      at 678).&nbsp; If a non&#8209;movant fails to present any issues =
in its response=20
      or answer, the movant</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s right is not =
established and=20
      the movant must still establish its entitlement to summary =
judgment.&nbsp;=20
      <I>Id.</I>&nbsp; </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">The effect of such a =
failure is=20
      that the non&#8209;movant is limited on appeal to arguing the =
legal sufficiency=20
      of the grounds presented by the movant.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">&nbsp; <I>Id.</I> =
(citing=20
      <I>Clear Creek</I>, 589 S.W.2d at 678).</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">Tello</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s suggestion on =
appeal that he=20
      may offset the Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s damages or =
otherwise avoid=20
      liability on the lease based on his return of the vehicle is an =
issue by=20
      which he seeks to defeat the Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s entitlement to =
summary=20
      judgment</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">not a challenge to =
the legal=20
      sufficiency of the Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s summary judgment=20
      grounds.&nbsp; To prove its breach of contract claim, the Bank =
presented=20
      portions of the lease and its representative</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s affidavit =
purportedly showing=20
      Tello failed to make certain payments as agreed and setting forth =
the=20
      balance due.&nbsp; Tello does not contend that this evidence is=20
      insufficient to prove the amount of the damages awarded by the =
trial=20
      court.<A title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftn14"=20
      name=3D_ftnref14><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
13pt">[14]</SPAN></SUP></SPAN></SUP></SPAN></A>&nbsp;=20
      Rather, what little argument Tello does advance suggests he should =
offset=20
      the Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s damages or =
otherwise avoid=20
      liability, notwithstanding the Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s proof, because he =
returned=20
      the vehicle to Randall Reed Ford.&nbsp; Consequently, he was =
required to=20
      </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">expressly</SPAN><SPAN =

      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%"> present this issue =
to the=20
      trial court in response to the motion for summary judgment.&nbsp;=20
      <I>See</I> <SPAN style=3D"TEXT-TRANSFORM: uppercase">Tex. R. Civ. =
P.=20
      </SPAN>166a(c); <I>McConnell</I>, 858 S.W.2d at 343; =
<I>Dubose</I>, 117=20
      S.W.3d at 920.</SPAN></P></DIV><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'Times =
New Roman'"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN>
      <DIV class=3DSection13>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">To </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">expressly</SPAN><SPAN =

      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%"> present issues =
pursuant to=20
      Rule 166a(c), </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">[t]he written answer =
or=20
      response to the motion must fairly apprise the movant and the =
court of the=20
      issues the non&#8209;movant contends should defeat the =
motion.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">&nbsp; <I>Clear =
Creek</I>, 589=20
      S.W.2d at 678; <I>see Engel v. Pettit</I>, 713 S.W.2d 770, =
771</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">B</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">72 (Tex. =
App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">Houston [14th Dist.] =
1986, no=20
      pet.).&nbsp; The extent of Tello</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s summary judgment =
response=20
      with respect to the Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s breach of contract =
claim was=20
      his general statement that a genuine issue of material fact =
existed on the=20
      claim and his reference to his attached evidence and his =
pleading.&nbsp;=20
      Tello made a bare averment in his attached affidavit that he =
returned the=20
      vehicle during a particular time period.&nbsp; However, he made no =

      statement in his affidavit or response regarding the effect of =
this=20
      averment on the Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s entitlement to =
summary=20
      judgment.&nbsp; Specifically, he did not mention that his return =
of the=20
      vehicle should offset the Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s damages or =
otherwise defeat=20
      summary judgment, as he now suggests on appeal, much less mention =
why his=20
      return of the vehicle should offset the damages or otherwise =
defeat=20
      summary judgment.&nbsp; He did not even identify the element[s] of =
the=20
      Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s breach of contract =
claim on=20
      which his return of the vehicle allegedly raised a fact issue or =
suggest=20
      why it raised a fact issue on any particular =
element[s].</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">The requirement that =
the=20
      non-movant </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">fairly =
apprise</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%"> the trial court of =
the issues=20
      allegedly defeating summary judgment clearly contemplates that the =
trial=20
      court is not required to guess why a non-movant presents certain =
evidence=20
      or consider every possible reason the evidence might defeat =
summary=20
      judgment.&nbsp; In short, Tello</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s bare assertion in =
his=20
      affidavit that he returned the vehicle did not </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">fairly =
apprise</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%"> the trial court =
what, if=20
      anything, he wanted the trial court to do with that =
information.&nbsp;=20
      <I>Cf. Engel</I>, 713 S.W.2d at 771</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">B</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">72 (holding affidavit =
of=20
      attorney filed by non-movant in response to motion for summary =
judgment=20
      requesting recovery of movant</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s =
attorneys</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%"> fees fairly apprised =
trial=20
      court of issue allegedly defeating the motion by stating the fees =
were=20
      </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">excessive and=20
      unreasonable.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: =
150%">).</SPAN></P></DIV><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'Times =
New Roman'"><BR=20
      style=3D"PAGE-BREAK-BEFORE: auto" clear=3Dall></SPAN>
      <DIV class=3DSection14>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">In sum, trial court =
could not=20
      have erred by refusing to consider the effect, if any, of=20
      Tello</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s return of the =
vehicle on the=20
      Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s entitlement to =
summary=20
      judgment when Tello never requested that it be considered.&nbsp;=20
      Accordingly, because Tello failed to </SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">expressly</SPAN><SPAN =

      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%"> present his issue =
that his=20
      return of the vehicle should offset the Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s damages or =
otherwise defeat=20
      its entitlement to summary judgment in response to the motion for =
summary=20
      judgment, we may not consider it as grounds for reversal.<A =
title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftn15"=20
      name=3D_ftnref15><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
13pt">[15]</SPAN></SUP></SPAN></SUP></SPAN></A>&nbsp;=20
      <I>See Querner Truck Lines, Inc. v. Alta Verde Indus., Inc</I>., =
747=20
      S.W.2d 464, 469 (Tex. App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">San Antonio 1988, no =
writ)=20
      (finding non-movant waived argument on appeal that it was entitled =
to=20
      additional offset against movant</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">s damages than offset =
allowed=20
      by trial court because non-movant did not raise issue of =
additional offset=20
      in its summary judgment response).&nbsp; We overrule his sixth=20
      issue.</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; TEXT-INDENT: 0.5in; LINE-HEIGHT: =
150%; TEXT-ALIGN: justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">Accordingly, the =
judgment of=20
      the trial court is affirmed.</SPAN></P>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 6.8pt; LINE-HEIGHT: 150%; TEXT-ALIGN: =
justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%"></SPAN>&nbsp;</P>
      <P class=3DMsoNormal style=3D"TEXT-INDENT: 3in; TEXT-ALIGN: =
justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt"></SPAN>&nbsp;</P>
      <P class=3DMsoNormal style=3D"TEXT-INDENT: 2.5in; TEXT-ALIGN: =
justify"><SPAN=20
      style=3D"FONT-SIZE: =
13pt">/s/&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=20
      Charles W. Seymore</SPAN></P>
      <P class=3DMsoNormal style=3D"TEXT-INDENT: 3in; TEXT-ALIGN: =
justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt">Justice</SPAN></P>
      <P class=3DMsoNormal style=3D"LINE-HEIGHT: 150%; TEXT-ALIGN: =
justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%"></SPAN>&nbsp;</P>
      <P class=3DMsoNormal style=3D"LINE-HEIGHT: 150%; TEXT-ALIGN: =
justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">Judgment rendered and =
Majority=20
      and Dissenting Opinions filed January 9, 2007.</SPAN></P>
      <P class=3DMsoNormal style=3D"LINE-HEIGHT: 150%; TEXT-ALIGN: =
justify"><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: 150%">Panel consists of =
Justices=20
      Hudson, Frost, and Seymore.&nbsp; (Frost, J., =
dissenting).</SPAN></P>
      <P class=3DMsoNormal style=3D"LINE-HEIGHT: 150%; TEXT-ALIGN: =
justify"><B><SPAN=20
      style=3D"FONT-SIZE: 13pt; LINE-HEIGHT: =
150%"></SPAN></B>&nbsp;</P></DIV>
      <DIV><BR clear=3Dall>
      <HR align=3Dleft width=3D"33%" SIZE=3D1>

      <DIV id=3Dftn1>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 12pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: =
justify"><A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftnref1"=20
      name=3D_ftn1><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
12pt">[1]</SPAN></SUP></SPAN></SUP></SPAN></A><SPAN=20
      style=3D"FONT-SIZE: 11pt">&nbsp; Despite the previous merger of =
Banc One=20
      Texas Leasing Corp. into Banc One Acceptance Corp., the petition =
showed=20
      Banc One Texas Leasing Corp. as one of the plaintiffs.&nbsp; The =
trial=20
      court later allowed&nbsp; Banc One Acceptance Corp. to be =
substituted for=20
      Banc One Texas Leasing Corp.</SPAN></P></DIV>
      <DIV id=3Dftn2>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 12pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: =
justify"><A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftnref2"=20
      name=3D_ftn2><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
12pt">[2]</SPAN></SUP></SPAN></SUP></SPAN></A><SPAN=20
      style=3D"FONT-SIZE: 11pt"> An original motion for summary judgment =
was filed=20
      by Bank One, N.A. and Bank One Texas Leasing Corp., although Bank =
One=20
      Texas Leasing Corp. had merged into Banc One Acceptance =
Corp.&nbsp; On May=20
      14, 2003, the trial court entered an order granting summary=20
      judgment.&nbsp; Tello appealed the summary judgment to this court =
under=20
      case number 14&#8209;03&#8209;00644&#8209;CV.&nbsp; We dismissed =
the appeal on the ground=20
      the summary judgment was not final because it did not dispose of =
Bank One=20
      Texas Leasing Corp.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">s claims.&nbsp; <I>See</I> <I>Tello v. =
Bank One,=20
      N.A.</I>, 138 S.W.3d 533 (Tex. App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">Houston [14th Dist.] 2004, no =
pet.).&nbsp; Bank=20
      One, N.A. and Banc One Acceptance Corp. then filed a supplemental =
petition=20
      and supplemental motion for summary judgment to clarify the issues =

      concerning their identities.&nbsp; They presented proof that Banc =
One=20
      Acceptance Corp.&nbsp; is the current lessor/owner by virtue of =
its merger=20
      with Bank One Texas Leasing Corp.&nbsp; In the First Amended =
Summary=20
      Judgment, the trial court allowed Banc One Acceptance Corp. to be=20
      substituted for Banc One Texas Leasing Corp. and then granted =
summary=20
      judgment in favor of Bank One, N.A. and Banc One Acceptance=20
      Corp.</SPAN></P></DIV>
      <DIV id=3Dftn3>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 12pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: =
justify"><A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftnref3"=20
      name=3D_ftn3><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
12pt">[3]</SPAN></SUP></SPAN></SUP></SPAN></A><SPAN=20
      style=3D"FONT-SIZE: 11pt">&nbsp; Now that we have clarified the =
correct=20
      names of the Bank entities who are parties to this suit, we will =
refer to=20
      the appellees, Bank One, N.A. and Banc One Acceptance Corp., =
collectively=20
      as </SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">the Bank,</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt"> except where necessary to refer to them =

      separately.</SPAN></P></DIV>
      <DIV id=3Dftn4>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 12pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: =
justify"><A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftnref4"=20
      name=3D_ftn4><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
12pt">[4]</SPAN></SUP></SPAN></SUP></SPAN></A><SPAN=20
      style=3D"FONT-SIZE: 11pt">&nbsp; Pertinent pleadings, including =
the original=20
      motion for summary judgment and Tello</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">s response, are not included in the =
appellate=20
      record for this cause number.&nbsp; However, they are included in =
the=20
      record for the appeal from original summary judgment.&nbsp; =
Accordingly,=20
      we have taken judicial notice of that record. </SPAN></P></DIV>
      <DIV id=3Dftn5>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 12pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: =
justify"><A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftnref5"=20
      name=3D_ftn5><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
12pt">[5]</SPAN></SUP></SPAN></SUP></SPAN></A><SPAN=20
      style=3D"FONT-SIZE: 11pt">&nbsp; The Bank did not specify whether =
the part=20
      of its motion opposing Tello</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">s counterclaims was a traditional motion =
or a=20
      </SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">no-evidence</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt"> motion. <I>Compare</I> <SPAN=20
      style=3D"TEXT-TRANSFORM: uppercase">Tex. R. Civ. P. </SPAN>166a(c) =

      <I>with</I> <SPAN style=3D"TEXT-TRANSFORM: uppercase">Tex. R. Civ. =
P.=20
      </SPAN>166a(i).&nbsp; At times, the Bank used language applicable =
to a=20
      traditional motion; but at other times, the Bank generally =
asserted that=20
      Tello has </SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">no evidence</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt"> to support his various claims or =
factual=20
      allegations.&nbsp; However, the motion did not </SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">state the elements as to which there is =
no=20
      evidence</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt"> as required by Rule 166a(i).&nbsp; =
<I>See</I>=20
      <SPAN style=3D"TEXT-TRANSFORM: uppercase">Tex. R. Civ. P.=20
      </SPAN>166a(i).&nbsp; Because the motion did not unambiguously =
state it=20
      was filed under Rule 166a(i) and did not strictly comply with that =
rule,=20
      we construe it as a traditional motion.&nbsp; <I>See Adams v. =
Reynolds=20
      Tile &amp; Flooring, Inc.</I>, 120 S.W.3d 417, 420 (Tex. =
App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">Houston [14th Dist.] 2003, no=20
      pet.).</SPAN></P></DIV>
      <DIV id=3Dftn6>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 12pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: =
justify"><A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftnref6"=20
      name=3D_ftn6><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
12pt">[6]</SPAN></SUP></SPAN></SUP></SPAN></A><SPAN=20
      style=3D"FONT-SIZE: 11pt">&nbsp; We note that the evidence =
indicates that=20
      only one of the Bank entities, Banc One Acceptance Corp., is the =
lessor of=20
      the vehicle.&nbsp; The evidence shows Bank One, N.A. is a =
lienholder on=20
      the vehicle, but does not show this lien secures the indebtedness =
that is=20
      the subject of the lease at issue or how being a lienholder =
entitled Bank=20
      One, N.A. to recover under the lease.&nbsp; Nevertheless, on =
appeal, Tello=20
      does not argue that both Bank entities failed to prove the initial =

      elements of their breach of contract claim.</SPAN></P></DIV>
      <DIV id=3Dftn7>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 12pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: =
justify"><A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftnref7"=20
      name=3D_ftn7><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
12pt">[7]</SPAN></SUP></SPAN></SUP></SPAN></A><SPAN=20
      style=3D"FONT-SIZE: 11pt">&nbsp; Tello also pleaded counterclaims =
for=20
      common-law fraud and breach of contract.&nbsp; However, on appeal, =
he=20
      presents no issue or argument challenging the summary judgment on =
those=20
      counterclaims.&nbsp; Therefore, he has waived any challenge to the =
summary=20
      judgment on those counterclaims.&nbsp; <I>See</I> <I>Jacobs v.=20
      Satterwhite</I>, 65 S.W.3d 653, 655</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">B</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">56 (Tex. 2001) (recognizing appellate =
court may=20
      not reverse summary judgment on a particular claim when appellant =
fails to=20
      challenge summary judgment on that claim).</SPAN></P></DIV>
      <DIV id=3Dftn8>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 12pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: =
justify"><A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftnref8"=20
      name=3D_ftn8><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
12pt">[8]</SPAN></SUP></SPAN></SUP></SPAN></A><SPAN=20
      style=3D"FONT-SIZE: 11pt">&nbsp; The Bank representative made =
these=20
      averments with respect to Bank One, N.A. and Banc One Texas =
Leasing Corp.,=20
      although Banc One Texas Leasing Corp. had already merged with Banc =
One=20
      Acceptance Corp.&nbsp; However, the Bank entities presented proof =
in their=20
      supplemental motion for summary judgment that Banc One Acceptance =
Corp.=20
      became the lessor and owner of the vehicle by virtue of its merger =
with=20
      Banc One Texas Leasing Corp.&nbsp; Therefore, the averments =
concerning=20
      Banc One Texas Leasing Corp. necessarily apply equally to Banc One =

      Acceptance Corp.</SPAN></P></DIV>
      <DIV id=3Dftn9>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 12pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: =
justify"><A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftnref9"=20
      name=3D_ftn9><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
12pt">[9]</SPAN></SUP></SPAN></SUP></SPAN></A><SPAN=20
      style=3D"FONT-SIZE: 11pt">&nbsp; The Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">s motion did not specifically address =
the DTPA=20
      counterclaim, although it addressed the factual allegation forming =
the=20
      basis of the counterclaim.&nbsp; <I>See</I> <I>Black v. Victoria =
Lloyds=20
      Ins. Co.</I>, 797 S.W.2d 20, 27 (Tex. 1990) (stating defendant =
moving for=20
      summary judgment on ground there is no genuine issue of material =
fact on=20
      essential element of plaintiff</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">s claim must identify or address the =
claim and its=20
      elements).&nbsp; However, on appeal, Tello does not challenge the =
summary=20
      judgment on his DTPA counterclaim on the ground that the =
Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">s motion was deficient or the trial =
court granted=20
      more relief than requested.&nbsp; <I>See</I> <I>Beathard Joint =
Venture v.=20
      W. Houston Airport Corp.</I>, 72 S.W.3d 426, 436 (Tex. =
App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">Texarkana 2002, no pet.) (recognizing =
appellant=20
      must raise an issue on appeal that excess relief was improperly =
granted in=20
      summary judgment order); <I>Toonen v. United Servs. Auto.=20
      Ass</I></SPAN><I><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN></I><I><SPAN=20
      style=3D"FONT-SIZE: 11pt">n</SPAN></I><SPAN style=3D"FONT-SIZE: =
11pt">., 935=20
      S.W.2d 937, 942 (Tex. App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">San Antonio 1996, no writ) (same).&nbsp; =
Instead,=20
      he suggests there was a fact issue on the =
counterclaim.</SPAN></P></DIV>
      <DIV id=3Dftn10>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 12pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: =
justify"><A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftnref10"=20
      name=3D_ftn10><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
12pt">[10]</SPAN></SUP></SPAN></SUP></SPAN></A><SPAN=20
      style=3D"FONT-SIZE: 11pt">&nbsp; In his response to the motion for =
summary=20
      judgment, Tello repeated the same general statement to address =
each=20
      counterclaim (as well as each affirmative defense).&nbsp; He =
merely stated=20
      that </SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">a genuine issue of material fact exists =
as to=20
      [counterclaim/affirmative defense]</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt"> and referred to his attached evidence =
and&nbsp;=20
      pleadings.</SPAN></P></DIV>
      <DIV id=3Dftn11>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 12pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: =
justify"><A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftnref11"=20
      name=3D_ftn11><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
12pt">[11]</SPAN></SUP></SPAN></SUP></SPAN></A><SPAN=20
      style=3D"FONT-SIZE: 11pt">&nbsp; Tello also pleaded the =
affirmative defense=20
      of failure of consideration.&nbsp; However, in his appellate =
brief, he=20
      presents no issue or argument addressing this defense.&nbsp; =
Therefore, he=20
      has waived any contention that the evidence raised a genuine issue =
of=20
      material fact on this defense sufficient to defeat summary =
judgment.<I>=20
      See Jacobs</I>, 65 S.W.3d at 655</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">B</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">56.</SPAN></P></DIV>
      <DIV id=3Dftn12>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 12pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: =
justify"><A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftnref12"=20
      name=3D_ftn12><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
12pt">[12]</SPAN></SUP></SPAN></SUP></SPAN></A><SPAN=20
      style=3D"FONT-SIZE: 11pt">&nbsp;&nbsp; Contrary to our dissenting=20
      colleague</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">s suggestion, the inadequacy in =
Tello</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">s brief with respect to this issue is =
not just a=20
      lack of </SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">well-organized and sharply focused=20
      writing,</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt"> but a failure to advance any =
substantive analysis=20
      and cite any authority or evidence to inform us why he was =
allegedly=20
      entitled to offset the Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">s damages or otherwise defeat the =
summary judgment=20
      based on his return of the vehicle to Randall Reed Ford.&nbsp; =
Moreover,=20
      the dissent would reverse the summary judgment because the Bank =
omitted=20
      the back of the lease from its summary judgment evidence and a =
missing=20
      provision may address the effect of Tello</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">s return of the vehicle to Randall Reed =
Ford on=20
      his liability to the Bank or the amount of its damages.&nbsp; =
However,=20
      Tello does not complain that the back of the lease was omitted, =
much less=20
      assert that any missing provisions may address his return of the=20
      vehicle.&nbsp; The fact that the dissent advocates reversal on =
this basis,=20
      when Tello makes no such argument, merely accentuates that his =
contention=20
      is inadequately briefed.</SPAN></P></DIV>
      <DIV id=3Dftn13>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 12pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: =
justify"><A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftnref13"=20
      name=3D_ftn13><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
12pt">[13]</SPAN></SUP></SPAN></SUP></SPAN></A><SPAN=20
      style=3D"FONT-SIZE: 11pt">&nbsp; In addition, the requirement that =
issues be=20
      expressly presented by written answer or response refers to an =
answer or=20
      response to the motion for summary judgment, not to the =
pleadings.&nbsp;=20
      <I>See Wheeler v. Security State Bank, N.A.</I>, 159 S.W.3d 754, =
756 n.2=20
      (Tex. App.</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">C</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">Texarkana 2005, no pet.) (citing =
<I>Clear=20
      Creek</I>, 589 S.W.2d at 673).</SPAN></P></DIV>
      <DIV id=3Dftn14>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 12pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: =
justify"><A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftnref14"=20
      name=3D_ftn14><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
12pt">[14]</SPAN></SUP></SPAN></SUP></SPAN></A><SPAN=20
      style=3D"FONT-SIZE: 11pt">&nbsp; Our dissenting colleague =
advocates reversal=20
      because the Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">s own evidence is insufficient to =
support the=20
      damages awarded, and the dissent then calculates the damages =
purportedly=20
      supported by its evidence.&nbsp; However, Tello makes no such =
argument=20
      challenging the sufficiency of the Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">s motion and evidence.&nbsp; The dissent =
seems to=20
      interpret the following statement in Tello</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">s brief as raising this argument:&nbsp;=20
      </SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">The motion for summary judgment and its =
supporting=20
      evidence must show there is no genuine issue of a material fact =
and that=20
      the movant is entitled to judgment as a matter of law.</SPAN><SPAN =

      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">&nbsp; We cannot construe this single =
reference to=20
      the general standard applicable to every summary judgment motion, =
without=20
      any argument concerning, or reference to, the Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">s evidence in this case, as an adequate =
argument=20
      challenging the sufficiency of the Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">s motion and evidence to support the =
damages=20
      awarded. </SPAN></P></DIV>
      <DIV id=3Dftn15>
      <P class=3DMsoNormal=20
      style=3D"MARGIN-BOTTOM: 12pt; TEXT-INDENT: 0.5in; TEXT-ALIGN: =
justify"><A=20
      title=3D""=20
      =
href=3D"http://www.14thcoa.courts.state.tx.us/opinions/htmlopinion.asp?Op=
inionId=3D82956#_ftnref15"=20
      name=3D_ftn15><SPAN class=3DMsoFootnoteReference><SUP><SPAN=20
      class=3DMsoFootnoteReference><SUP><SPAN=20
      style=3D"FONT-SIZE: =
12pt">[15]</SPAN></SUP></SPAN></SUP></SPAN></A><SPAN=20
      style=3D"FONT-SIZE: 11pt">&nbsp; The dissent also asserts that =
Tello was not=20
      required to raise the issue regarding his return of the vehicle in =
his=20
      summary judgment response because he is attacking the =
conclusiveness of=20
      the Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">s motion and evidence.&nbsp; As we have =
noted,=20
      Tello has not adequately presented an argument attacking the=20
      conclusiveness of the Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">s motion and evidence.&nbsp; But, even =
if he had,=20
      that would be a separate issue than his contention he should =
nonetheless=20
      defeat summary judgment based on his own affidavit showing he =
returned the=20
      vehicle.&nbsp; The fact that the dissent (and Tello) must refer to =

      Tello</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">s <I>own</I> evidence attached to his =
response=20
      when urging reversal based on his return of the vehicle shows that =
his=20
      contention is not an attack on the conclusiveness of <I>the=20
      Bank</I></SPAN><I><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN></I><I><SPAN=20
      style=3D"FONT-SIZE: 11pt">s</SPAN></I><SPAN style=3D"FONT-SIZE: =
11pt"> motion=20
      and evidence.&nbsp; Finally, we disagree with the =
dissent</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">s suggestion that, because an omitted =
provision on=20
      the back of the lease may address the effect of Tello</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">s return of the vehicle, his contention =
is merely=20
      an attack on the conclusiveness of the Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">s motion and evidence.&nbsp; Even if the =
Bank had=20
      attached all the provisions and a missing provision addressed the =
effect,=20
      if any, of Tello</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">s return of the vehicle, such provision =
would have=20
      been inconsequential unless Tello </SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">A</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">expressly</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">@</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt"> presented to the trial court&nbsp; his =
contention=20
      that return of the vehicle should affect the Bank</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt; FONT-FAMILY: 'WP =
TypographicSymbols'">=3D</SPAN><SPAN=20
      style=3D"FONT-SIZE: 11pt">s entitlement to summary=20
      =
judgment.</SPAN></P></DIV></DIV></TD></TR></TBODY></TABLE></BODY></HTML>

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	FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: white; LINE-HEIGHT: normal; =
FONT-STYLE: normal; FONT-FAMILY: Tahoma, Arial, Helvetica, sans-serif; =
TEXT-DECORATION: none
}
A.NavWhite:hover {
	TEXT-DECORATION: underline
}
.BreadCrumbs {
	FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: #000099; LINE-HEIGHT: =
normal; FONT-STYLE: normal; FONT-FAMILY: Tahoma, Arial, Helvetica, =
sans-serif
}
A.BreadCrumbs {
	FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: #000099; LINE-HEIGHT: =
normal; FONT-STYLE: normal; FONT-FAMILY: Tahoma, Arial, Helvetica, =
sans-serif; TEXT-DECORATION: underline
}
A.BreadCrumbs:hover {
	COLOR: blue
}
.TextNormal {
	FONT-WEIGHT: normal; FONT-SIZE: 10pt; COLOR: black; LINE-HEIGHT: =
normal; FONT-STYLE: normal; FONT-FAMILY: Tahoma, Arial, Helvetica, =
sans-serif
}
.TextJustify {
	FONT-WEIGHT: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; COLOR: =
black; FONT-STYLE: normal; FONT-FAMILY: Tahoma, Arial, Helvetica, =
sans-serif; TEXT-ALIGN: justify
}
A.TextNormal {
	FONT-WEIGHT: normal; FONT-SIZE: 10pt; COLOR: #000099; FONT-FAMILY: =
Tahoma, Arial, Helvetica, sans-serif; TEXT-DECORATION: underline
}
A.TextNormal:hover {
	FONT-WEIGHT: bold
}
.TextSmall {
	FONT-WEIGHT: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-FAMILY: =
Arial Narrow
}
.TextSmallBlue {
	FONT-WEIGHT: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; COLOR: =
#000099; FONT-FAMILY: Arial Narrow
}
.TextSmallJust {
	FONT-WEIGHT: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; FONT-FAMILY: =
Arial Narrow; TEXT-ALIGN: justify
}
A.TextSmall {
	COLOR: #000099; TEXT-DECORATION: underline
}
A.TextSmallJust {
	COLOR: #000099; TEXT-DECORATION: underline
}
A.TextSmall:hover {
	FONT-WEIGHT: bold
}
A.TextSmallJust:hover {
	FONT-WEIGHT: bold
}
.TextSmallWhite {
	FONT-WEIGHT: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; COLOR: =
white; FONT-FAMILY: Arial Narrow
}
.TextWhite {
	FONT-WEIGHT: normal; FONT-SIZE: 10pt; COLOR: white; FONT-FAMILY: =
Tahoma, Arial, Helvetica, sans-serif
}
A.TextWhite {
=09
}
A.TextWhite:hover {
	FONT-WEIGHT: bold
}
.LinksSite {
	FONT-WEIGHT: normal; FONT-SIZE: 9pt; COLOR: #000099; FONT-FAMILY: Arial =
Narrow; TEXT-DECORATION: none
}
A.LinksSite {
=09
}
A.LinksSite:hover {
	FONT-WEIGHT: bold
}
.TextNotify {
	FONT-WEIGHT: normal; FONT-SIZE: 9pt; COLOR: #000099; FONT-FAMILY: Arial =
Narrow
}
.SiteMaster {
	FONT-WEIGHT: bold; FONT-SIZE: 14pt; COLOR: #000099; LINE-HEIGHT: =
normal; FONT-STYLE: normal; FONT-FAMILY: Tahoma, Arial, Helvetica, =
sans-serif; TEXT-DECORATION: underline
}
A.SiteMaster {
	LINE-HEIGHT: normal; TEXT-DECORATION: underline
}
A.SiteMaster:hover {
	COLOR: blue
}
.SiteMenu {
	FONT-WEIGHT: bold; FONT-SIZE: 10pt; COLOR: #000099; LINE-HEIGHT: =
normal; FONT-FAMILY: Tahoma, Arial, Helvetica, sans-serif; =
TEXT-DECORATION: none
}
A.SiteMenu {
	FONT-WEIGHT: bold; TEXT-DECORATION: none
}
A.SiteMenu:hover {
	COLOR: blue
}
.SiteBase {
	FONT-WEIGHT: bold; FONT-SIZE: 9pt; COLOR: #000099; LINE-HEIGHT: normal; =
FONT-STYLE: normal; FONT-FAMILY: Tahoma, Arial, Helvetica, sans-serif; =
TEXT-DECORATION: none
}
A.SiteBase {
	FONT-WEIGHT: bold; COLOR: maroon; FONT-FAMILY: Tahoma, Arial, =
Helvetica, sans-serif; TEXT-DECORATION: none
}
A.SiteBase:hover {
	COLOR: blue
}
.ErrorNormal {
	FONT-WEIGHT: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; COLOR: red; =
FONT-FAMILY: Tahoma, Arial, Helvetica, sans-serif
}
.ErrorSmall {
	FONT-WEIGHT: normal; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; COLOR: red; =
FONT-FAMILY: Arial Narrow
}
.SystemMSG {
	FONT-WEIGHT: bold; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; COLOR: white; =
FONT-FAMILY: Tahoma, Arial, Helvetica, sans-serif; BACKGROUND-COLOR: =
navy
}
.SystemErrorMSG {
	FONT-WEIGHT: bold; FONT-SIZE: 10pt; VERTICAL-ALIGN: top; COLOR: white; =
FONT-FAMILY: Tahoma, Arial, Helvetica, sans-serif; BACKGROUND-COLOR: red
}
.buttonUnused {
	PADDING-RIGHT: 1pt; PADDING-LEFT: 1pt; FONT-WEIGHT: normal; FONT-SIZE: =
9pt; PADDING-BOTTOM: 1pt; MARGIN: 1pt; COLOR: #fff5d7; PADDING-TOP: 1pt; =
BACKGROUND-COLOR: #576a9d; font-face: Tahoma, Arial, Helvetica, =
sans-serif
}
.buttonTanUnused {
	PADDING-RIGHT: 1pt; PADDING-LEFT: 1pt; FONT-WEIGHT: normal; FONT-SIZE: =
9pt; PADDING-BOTTOM: 1pt; MARGIN: 1pt; COLOR: #576a9d; PADDING-TOP: 1pt; =
BACKGROUND-COLOR: #fff5d7; font-face: Tahoma, Arial, Helvetica, =
sans-serif
}
.TextLargeBlue {
	FONT-WEIGHT: bold; FONT-SIZE: 12pt; COLOR: #000099; LINE-HEIGHT: =
normal; FONT-STYLE: normal; FONT-FAMILY: Tahoma, Arial, Helvetica, =
sans-serif; TEXT-ALIGN: left
}
.DocketHeaderTitle {
	FONT-WEIGHT: bold; FONT-SIZE: 14pt; COLOR: black; LINE-HEIGHT: normal; =
FONT-FAMILY: Tahoma, Arial, ' Helvetica', sans-serif; TEXT-ALIGN: center
}
.TextLargeBlack {
	FONT-WEIGHT: bold; FONT-SIZE: 11pt; COLOR: black; LINE-HEIGHT: normal; =
FONT-STYLE: normal; FONT-FAMILY: Tahoma, Arial, Helvetica, sans-serif; =
TEXT-ALIGN: left
}
.TextLargeBlackcenter {
	FONT-WEIGHT: bold; FONT-SIZE: 11pt; COLOR: black; LINE-HEIGHT: normal; =
FONT-STYLE: normal; FONT-FAMILY: Tahoma, Arial, Helvetica, sans-serif; =
TEXT-ALIGN: center
}
.TextBlue {
	FONT-WEIGHT: normal; FONT-SIZE: 10pt; COLOR: #000099; LINE-HEIGHT: =
normal; FONT-FAMILY: Tahoma, Arial, Helvetica, sans-serif
}
A.TextBlue {
	FONT-WEIGHT: normal; FONT-SIZE: 10pt; COLOR: #000099; LINE-HEIGHT: =
normal; FONT-FAMILY: Tahoma, Arial, Helvetica, sans-serif; =
TEXT-DECORATION: none
}
.TextRed {
	FONT-WEIGHT: normal; FONT-SIZE: 12pt; COLOR: red; LINE-HEIGHT: normal; =
FONT-FAMILY: Tahoma, Arial, Helvetica, sans-serif
}
.TextHidenGray {
	FONT-SIZE: 0pt; COLOR: #ebebe1; LINE-HEIGHT: normal; FONT-FAMILY: =
Tahoma, Arial, Helvetica, sans-serif; TEXT-ALIGN: left
}
.Time {
	FONT-WEIGHT: bold; FONT-SIZE: 10px; COLOR: red; LINE-HEIGHT: 4em; =
FONT-FAMILY: Arial, Helvetica, sans-serif; TEXT-ALIGN: center
}

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