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Chase Manhattan Bank v. 264 Water Street Associates

Citations: 222 A.D.2d 229; 634 N.Y.S.2d 687

Court: Appellate Division of the Supreme Court of the State of New York; December 6, 1995; New York; State Appellate Court

Narrative Opinion Summary

This case involves a dispute between parties in a joint venture known as 264 Water Street Associates (WSA), comprising Ursa Minor and Denison Industries, affiliated with the Broadstone Ownership Group (BOG). The venture secured a $7.4 million loan for a construction project, guaranteed equally by Ursa Minor and BOG. Following a cost overrun and the plaintiff's demand for repayment, a foreclosure action was initiated. Ursa Minor's attempt to buy out Denison's interest failed due to the plaintiff's refusal to consent to a second mortgage. BOG settled the foreclosure for $1.1 million and sought indemnification from the Budens, proprietors of Ursa Minor, for half of the settlement. The court granted summary judgment to BOG, obligating Ursa Minor and the Budens to indemnify BOG based on the joint venture agreement. The Budens contended that BOG was not a designated beneficiary under the indemnification clause and challenged the lack of notification regarding the settlement. However, the court determined that indemnification required notification, and failure to notify was at the indemnitor's risk. Ultimately, the court found in favor of BOG for the first two cross claims amounting to $550,000, while denying summary judgment on the third, fourth, and fifth cross claims.

Legal Issues Addressed

Exercise of Buy/Sell Option Contingent on Consent

Application: Ursa Minor's attempt to invoke the buy/sell option failed due to the lack of consent for a second mortgage, which was a necessary precondition.

Reasoning: Ursa Minor attempted to invoke the buy/sell option in the joint venture agreement but could not close the deal due to the lack of the plaintiff's consent for a second mortgage.

Indemnification Obligations under Joint Venture Agreement

Application: Ursa Minor and the Budens were found to be obligated to indemnify BOG based on the joint venture agreement, despite their arguments around designated beneficiaries.

Reasoning: The IAS Court granted summary judgment to BOG, concluding that Ursa Minor and the Budens were obligated to indemnify BOG for the $1.1 million based on the joint venture agreement.

Indemnitee's Obligation to Inform Indemnitor

Application: The Budens' failure to be informed about the settlement precluded their reimbursement claim, as indemnification requires notification of settlements.

Reasoning: Their argument fails because an indemnitee must inform the indemnitor of a settlement to seek reimbursement; failure to do so is at their risk.

Requirement of Reasonableness and Lack of Defense in Settlement for Indemnification

Application: For reimbursement, the indemnitee must demonstrate that the settlement amount was reasonable and that there was liability without a defense.

Reasoning: To recover, they must prove liability without a defense and that the settlement amount was reasonable.

Summary Judgment on Cross Claims

Application: The court denied summary judgment for certain cross claims but affirmed it for others, indicating a mixed outcome for the cross-claim plaintiff.

Reasoning: The court denied the motion for summary judgment concerning the third, fourth, and fifth cross claims but affirmed the remainder without costs.