                                                      [DO NOT PUBLISH]

             IN THE UNITED STATES COURT OF APPEALS

                     FOR THE ELEVENTH CIRCUIT                  FILED
                                                      U.S. COURT OF APPEALS
                                                        ELEVENTH CIRCUIT
                             No. 10-15087                  MARCH 18, 2011
                         Non-Argument Calendar               JOHN LEY
                                                               CLERK


                  D. C. Docket No. 1:109-cv-02828-ODE

FIRST STATE BANK OF NORTHWEST ARKANSAS,

                                                               Plaintiff-Appellee,

                                  versus

GEORGIA 4-S INVESTMENTS LLP,

                                                                      Defendant,

SALMAN S. BANJEE,

                                                         Defendant-Appellant.




                Appeal from the United States District Court
                  for the Northern District of Georgia


                             (March 18, 2011)

Before TJOFLAT, BARKETT and FAY, Circuit Judges.
PER CURIAM:

       This appeal boils down to the question of whether the forum selection

clause in the guaranty agreement Salman Banjee gave Alpha Bank & Trust of

Alpharetta, Georgia, whose assets First State Bank of Northwest Arkansas (the

“Bank”) subsequently acquired, required the Bank to sue Banjee in the state courts

of Georgia.1 The district court held that the clause gave the Bank the right to sue

Banjee in federal court in Georgia and denied Banjee’s motion to dismiss the case

pursuant to Federal Rule of Civil Procedure 12(b)(3).

       The forum selection clause states:

       [Banjee] agrees that the courts of the State of Georgia shall have
       jurisdiction to hear and determine any claims or disputes pertaining
       directly or indirectly to this Guaranty or any matter arising therefrom.
       [Banjee] expressly submits and consents in advance to such
       jurisdiction in any action or proceeding in such court.

       The district court held that the clause did not preclude suit in a federal court

in Georgia thusly:

       The clause does not contain any language indicating exclusivity. It
       requires that Banjee must submit to the jurisdiction of Georgia state
       courts, but does not mandate that all litigation relating to the
       Guaranty occur there. Though the word ‘shall’ may indicate non-
       discretion, it does not also connote exclusivity in all circumstances.
       Here, the word ‘shall’ indicates non-discretion in the sense that it


       1
         The guaranty agreement is collateral for a $4 million loan Alpha Bank & Trust of
Alpharetta made to Georgia 4-S Investments, LLP.

                                               2
      prohibits Banjee from contesting the jurisdiction of Georgia state
      courts if such jurisdiction is asserted, but it does not state that only
      Georgia state courts ‘shall have jurisdiction’ in this matter.

Order dated April 1, 2010 at 7. We are persuaded by the district court’s reading of

the clause and therefore affirm its judgment denying Banjee’s motion to dismiss.

      AFFIRMED.




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