TO: CC:

Mr Jacob Orbach, Chief Internal Auditor, Member of the Board of Management BANK HAPOALIM, BM, Israel Email: <jacob.orbach@mailpoalim.co.il>; Fax: 03-607-3101, 03-567-3764; Mr Stanley Fischer, Governor BANK OF ISRAEL Email: Ms Miriam Segal, Bank of Israel-Banking Regulation <miriam.segal@boi.org.il>, Fax: 02-666-9077

RE: Reminder - FATCA-related on-going extortionist conduct by Bank HaPoalim, BM request for Bank records
TO MR JACOB ORBACH, Chief Internal Auditor and Member of the Board of Management, Bank HaPoalim, BM: The letter below was forwarded to your offices on November 16, 2012. No response has been received to this date. Your immediate attention to this matter would be appreciated. Jerusalem, December 3, 2012,

_________________ Joseph Zernik, PhD

TO: CC:

Mr Jacob Orbach, Chief Internal Auditor, Member of the Board of Management BANK HAPOALIM, BM, Israel Email: <jacob.orbach@mailpoalim.co.il>; Fax: 03-607-3101, 03-567-3764; Mr Stanley Fischer, Governor BANK OF ISRAEL Email: Ms Miriam Segal, Bank of Israel-Banking Regulation <miriam.segal@boi.org.il>, Fax: 02-666-9077

RE: FATCA-related on-going extortionist conduct by Bank HaPoalim, BM request for Bank records Your letter, dated November 4, 2012, Ref: 1-6098055244 My letters of September 5, 12, 14, 2012 [i]
RESPONSE WITHIN 14 DAYS IS KINDLY REQUESTED TO MR JACOB ORBACH, Chief Internal Auditor, and Member of the Board of Management, Bank HaPoalim, BM: The Undersigned thanks Chief Internal Auditor Orbach for the November 4, 2012 response by Bank HaPoalim, BM, ("the Bank") and the appended customer agreements, referenced above and linked below. The Bank's response, while helpful, raises serious concerns:

1. Repeat request for valid legal communications by the Bank The signers of the Bank's November 4, 2012 letter, referenced above, Ella Gutman and David Zagan, were not identified by their authority in Bank HaPoalim, BM, regardless of repeated requests for valid signatures on communications of legal nature by the Bank. Individuals, who issue false and deliberately misleading records of legal nature on behalf of financial institutions, unsigned, or signed with no authority and/or qualifications, have come to be known in recent years as "Robo-signers". Such conduct has been recognized as central to the criminality that underlies the current financial crisis in the United States. Therefore, the Undersigned again asks that legal communications on behalf of the Bank be signed by authorized officers of the Bank, identified as such. 2. Repeat request for single-sum statements of the interest gained in each of the Undersigned's accounts in the calendar year 2011. Contrary to what is stated in the Bank's November 4, 2012 letter, referenced above, the Undersigned has not received to this date from the Bank single-sun statements of the interest gained in 2011 in each of the Undersigned's accounts, as required by United States IRS regulations, which the Bank fabricates enforcement of. The Bank' branch produced to the Undersigned a 17-page document, covering only some of the accounts. Such document is invalid and of no use for the purpose of United States IRS filing. Absent valid reporting by the Bank to the account holder, there is no way that the account holder could comply with the Bank's demands, relative to filing United States IRS returns. For the Bank's convenience, enclosed is a sample of United States IRS Form 1099-Int (2012). The Bank is required to issue such statement for each account, providing a singlesum (Box 1) for the interest gained in the respective account during the statement period. Therefore, the Bank is again asked to provide single-sum statements of the interest gained in each of the Undersigned's accounts (both NIS and other currencies), from January 1, 2011 to December 31, 2011. 3. Request for a copy of the Bank's undated FATCA-related "new policy" Review of the Bank's November 4, 2012 response, the customer agreements, and the Bank's unsigned June 27, 2012 FATCA Demand Letter shows that the legal fabrication in this case is based on the claim of existence of an undated FATCA-related "new policy" of the Bank. Therefore, the Undersigned requests a valid copy of the Bank's record, which is the Bank's undated FATCA-related "new policy", referenced in the Bank's June 27, 2012 FATCA Demand Letter, and valid records of the manner in which the "new policy" was adopted by the Bank (e.g., minutes/protocol of relevant meeting). 4. Request for the Chief Internal Auditor's opinion regarding validity and legality of the "new policy". In the August 25, 2012 Complaint, filed with Bank of Israel, the Undersigned claims that the establishment of such "new policy" by the Bank amounts to extortion and organized, corporate, white-collar crime. Therefore, the Undersigned requests that the Chief Internal Auditor also provide his opinion regarding validity of the manner in which the undated "new policy" was adopted by the Bank, and legality of the undated "new policy" itself. Jerusalem, November 16, 2012,

_________________ Joseph Zernik, PhD ATTACHED: 1. United States Internal Revenue Service, Form 1099-Int LINKS:
i

[1] 12-08-25 Dr Zernik's complaint, filed with Israeli banking regulation against Bank HaPoalim - for attempting to extort compliance with US IRS regulations in Jerusalem http://www.scribd.com/doc/103922991/ [2] 12-09-05 Addendum to Complaint, filed with Bank of Israel against Bank HaPoalim, and a Demand, filed with Bank HaPoalim, for a Written Statement of Interest Gained in Client's Accounts in 2011 http://www.scribd.com/doc/104993753/ [3] 12-09-12 Dr Zernik's Notice and Demand for the issuance of valid banking/legal communication by BANK HAPOALIM, BM, Israel, its subsidiaries and/or affiliates of their demands and threats against Dr Joseph Zernik, and for response within 10 days, with fax transmission report http://www.scribd.com/doc/105706636/ [4] 12-09-13 More Evidence of Fraud and Extortion by BANK HAPOALIM, BM, Israel, Subsidiaries and or Affiliates http://www.scribd.com/doc/105825087/ [5] 12-09-14 Demand for Action by Bank HaPoalim, BM, Chief Internal Auditor Jacob Orbach, re: FATCA related extortionist conduct by the Bank http://www.scribd.com/doc/113463251/ [6] 12-11-04 Bank HaPoalim, BM, response re: FACTCA demands and threats with Appendices A. Demand and threat letter, B. customer agreement http://www.scribd.com/doc/113460859/