With no explanation, chose the best option from "A", "B", "C" or "D". Program, and stated: “[t]his Plan will not take effect unless and until both I and the Lender sign it and Lender provides me with a copy of this Plan with the Lender’s signature.” (Id.). The. only copy in the record is signed by Mrs. Brush but not by Wells Fargo. (Docket Entry No. 37-2, Ex. 23). The Brushes do not allege that they received a copy of. the letter signed by Wells Fargo. In Pennington v. HSBC Bank USA N.A., 493 Fed.Appx. 548 (5th Cir.2012), the Fifth Circuit considered the absence of the lender’s signature dispositive, holding that if the bank does not sign and return the TPP document, it does “not form a contract, because the bank never expressed an intent to be bound.” Id. at 554; see also Soin v. Fed. Nat’l Mortg. Ass’n, 2012 WL 1232324, at *5 (E.D.Cal. Apr. 12, 2012) (<HOLDING>). The Fifth Circuit also held that the lender’s

A: holding invalid a similar hamp tpp document that lacked the lenders signature
B: holding district court lacked subject matter jurisdiction because the document before the district court in this instance is not a vehicle for any recognized legal remedy under the rules
C: holding that mers lacked standing to foreclose as the lenders nominee
D: holding that a bank had no duty to inform other lenders of its borrowers financial problems even though those other lenders funds were used to pay off the borrowers debt to the bank
A.