           IN THE UNITED STATES COURT OF APPEALS
                    FOR THE FIFTH CIRCUIT United States Court of Appeals
                                                   Fifth Circuit

                                                                            FILED
                                                                         January 23, 2009

                                     No. 07-60662                     Charles R. Fulbruge III
                                   Summary Calendar                           Clerk


CORA MOSS HAYWOOD

                                                  Plaintiff-Appellant
v.

TRIBECA LENDING CORPORATION; FRANKLIN CREDIT
MANAGEMENT CORPORATION; FCMC 2001 D CORPORATION

                                                  Defendants-Appellees



                  Appeals from the United States District Court
                     for the Northern District of Mississippi
                              USDC No. 2:06-CV-108


Before DAVIS, GARZA, and PRADO, Circuit Judges.
PER CURIAM:*
       This case is about whether someone who understands and voluntarily
signs a loan contract is bound by its written terms. Pro se Plaintiff-Appellant
Cora Moss Haywood (“Haywood”) entered into a loan refinancing contract with
Defendant-Appellant Tribeca Lending Corporation (“Tribeca”).1 She concedes


       *
         Pursuant to 5TH CIR. R. 47.5, the court has determined that this opinion should not
be published and is not precedent except under the limited circumstances set forth in 5TH CIR.
R. 47.5.4.
       1
       Haywood had defaulted on an original loan, which was eventually assigned to
Defendant-Appellee Franklin Credit Management Corporation (“Franklin Credit”). She
                                       No. 07-60662

that she read and signed the contract for the refinancing but claims that oral
representations of one of Tribeca’s employees altered the terms of the agreement.
Specifically, Haywood alleges that the Tribeca employee told her, in a phone
conversation before she signed the documents, that if she timely made her first
two payments and improved her credit score after she recovered from
bankruptcy, Tribeca would provide her with a new refinancing with more
favorable terms. This new refinancing also allegedly would have included a
$10,000 cash payout.
       In granting summary judgment on Haywood’s fraud, misrepresentation,
and fraud-in-the-inducement claims, the district court noted that Haywood could
not   have    reasonably      relied    upon    the    Tribeca     employee’s     alleged
misrepresentation. Regarding fraud and misrepresentation, the district court
correctly    analyzed    Mississippi     law    on    reasonable     reliance    on   oral
representations. As the Mississippi Supreme Court has stated, “a person is
under an obligation to read a contract before signing it, and will not as a general
rule be heard to complain of an oral misrepresentation the error of which would
have been disclosed by reading the contract.” Godfrey, Bassett & Kuykendall
Architects, Ltd. v. Huntington Lumber & Supply Co., 584 So. 2d 1254, 1257
(Miss. 1991). This is because “a written contract cannot be varied by prior oral
agreements.” Id. In Godfrey, the court excused one party from its failure to read
the addendum to the contract because both parties validly believed, based on
their conversation, that a junior member of the architecture firm in question had
removed the relevant term from the addendum. Id. at 1259. Here, Haywood
presents no similar circumstance in which we can excuse her failure to question
the differences between the alleged oral representations and the terms of the
written contract.



contacted Franklin Credit about refinancing, and Franklin Credit referred her to Tribeca.

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                                          No. 07-60662

       Similarly, the district court correctly rejected Haywood’s fraud-in-the-
inducement argument, as there is no indication that Tribeca promised to make
a new loan with a present intent not to perform or that the oral representations
were definite enough to form the basis of a contract. See Patton v. State Bank
& Trust Co., 936 So. 2d 391, 393-94 (Miss. Ct. App. 2006). For example, the
alleged oral deal did not discuss an interest rate, the term, or other specifics of
a purported loan, so this conversation could not have formed the basis of a
contract for a new refinancing. See id.
       In sum, Haywood signed a written contract to refinance her loan. Under
Mississippi law, she could not have validly relied upon an alleged oral
representation that contradicted the terms of that contract. Accordingly, we
affirm the district court’s grant of summary judgment.2
       AFFIRMED.




       2
         In her reply brief, Haywood challenges the district court’s denials of her motions for
a preliminary injunction and motions to amend. However, Haywood did not raise these issues
in her initial brief. In fact, she likely briefed these issues in response to Tribeca’s initial brief,
which, presumably out of an abundance of caution, explained why the district court did not err
in its rulings. We cannot consider arguments raised for the first time in a reply brief. See
United States v. Jackson, 426 F.3d 301, 304 n.2 (5th Cir. 2005) (“Arguments raised for the first
time in a reply brief, even by pro se litigants . . . are waived.”). We also DENY Haywood’s
motion to supplement the record on appeal and her motion for sanctions.

                                                  3
