decides to do so. "he must make a full and fair disclosure." without concealing any facts within his knowledge. Ellis. 409 F. Supp. at 1158 (citing Jackson Co. v. Faulkner. 55 Ala. App. 354. 315 So. 2d 591 (1975)). First Ala. Bank of Montgomery, N.A. v. First State Ins. Co., 899 F.2d 1045, 1059 (11th Cir.