Pogo Sots Bankof America oe Otc of the CEO & President January 8, 2010 Office of the Comptroller of the Currency Customer Assistance Group 1301 McKinney St., Ste 3450 Houston, TX 77010 Complainant: Dr Joseph H Zemnik Your File Number: 971981 Dear Customer Assistance Specialist: ‘Thank you for contacting Bank of America regarding the correspondence you received from Dr Zernik dated September 29, 2009. We appreciate the opportunity to respond to these concems. Enclosed is Bank of Ameri mailed to Dr. Zemnik’s atten 1's response to Dr. Zemik’s concems. Our response has been directly Nn. If] can be of further assistance, please do not hesitate to contact me direetly at 1.818.251.8482. Tmay be reached Monday through Friday from 8 a.m. to 5 p.m, Pacific. Thank you for this opportunity to be of service, Sincerely, Cathy Talari Customer Advocate Office of the CEO and President Attachments Bank of Amar, Cerpomte Coker 00 Nor Ton Steet, Caleta, NC 22850,Page 7 ot 58 Bankof America a Otg of the CHO & President January 8, 2010 Dr. Joseph H Zernik PO Box 526 La Verne, Ca 91750 Dear Dr. Zemik ‘This letter is in response to your inquiry. As a Customer Advocate for Bank of America’s Office of the CEO and President, I welcome the opportunity to respond to your concer. Your letter has been forwarded to my office for review and response Unfortunately, because our records do not reflect that you are currently a Bank of America customer ‘we will not be able to discuss the loan to which we believe you are referring, nor will any information be disclosed with regard to this account. It is also noted that you have previously raised these issues with the Company, and we found no basis for further investigation. Ifyou have any questions about the information contained in this letter, please contact our outside counsel, John Amberg and Jenna Moldawsky at Bryan Cave LLP. Thank you. Sincerely, Cat) Domne Cathy Talar Customer Advocate Office of the CEO and President ce: Office of the Comptroller of the Currency Bank of Amara, Corpora Cater 10 Nath gon See, ara, NORE