09-05-08 Case of Borrower William Parsley (05-90374) DKT #260: DR Joseph Zernik's Notice #3, Exhibit B

Case 05-90374 Document 260-1 Filed in TXSB on 05/08/09 Page 1 of 35
Case 2:08-cv-0155 AP-CW Document 44 Filed 0 12008 Page 7 of 31
1 7. Attacbment B is a true and correct copy of the correspondence

2 produced by Countrywide, with copies of the Underwriting Letter appearing as
3 attachments.
4 • The letter is time stamped October 26, 2004, as the day it was generated, and also
5 time stamped October 26, 2004, as the day it was faxed to borrower.
6 • If one is to trust the clock and time stamps of "Edge" and Countrywide's fax servers,
7 then this letter did not exist on October 14, October 15, or Mid-October 2004.
8 • Samaan, Keshavarzi, and McLaurin falsely represented it as if it were dated October
9 14, or October IS, or Mid-October 2004 in various false and deliberately misleading
10 declarations that they submitted in court. This letter did not even exist on October 14,
11 or October 15, or mid-October 2004!
12 Introduction ofthis document as Evidence in Samaan v Zernik:
13
This document was introduced by Sarnaan in ex parte Sur Reply (Exhibit #28,
14
with a letter by Maria McLaurin) and in Opposition (Exhibit #24) to Defendantts
15
November 2006 Motion to Expunge Lis Pendens. Introducing significant evidence in ex
16
parte Sur Reply in violation of Rules of Courts. Furthermore, the document was
17
unauthenticated, and lacking the necessary foundation. Defendant's Counsel presented such
18
objections, which were disregarded by Judge Connor.
19
8. Representations Regarding this Underwriting Letter in Samaan v Zernik:
20
Plaintiff, through her Attorney of Record, in the Sur-Reply Briefp7, and
21
Opposition, Exhibit #24, stated:
22
"The following week, on Friday, October 15, Parks leamed that the lender was suspending a
23
decision on the loan because defendant had not yet provided Parks with a signed Purchase
24
Agreement (Parks Decl 'Vii, Exh 24)-
25
This statement is repeated numerous times, but it is false and deliberately misleading.
26
Exhibit #24 is an invalid, false and misleading document.
27
9)
28
4
NOTICE OF COUNTRYWIDE DOCUMENT PURPORTED BY PLAINTIFF VALID UNDERWRITING LETTER
#SC087400
Notice #3
Exhibits Volume B
B-35
1 b) Victor Parks in his declaration in the Opposition to the Motion (Exhibit # 100), p5
2 states:
3 "11. The following weak, on Friday, October 15, Ileamed that thelander, Countrywide was
4 suspending a decision on the loan because Zemlk had not yet sent me the fully executed
5 Purchase Agreement. Attached hereto as Exhibit 24 Is a true and correct copy of
6 Countrywide's notice which states the reason for the suspension."
7 The document presented in Exhibit #24 is an invalid and inadmissible document. Art
8 Keshavarzi tried to get it authenticated by Maria McLaurin, Bank Manager in Countrywide
9 (Exhibit B).
10 10. This document was never included by Countrywide in subpoenas as part of the
11 Underwriting Decision/Condition Letters. It was not part of Countrywide's Loan File.
12 This document was created on October 26, 2004, and not on October 15 or earlier, as implied
13
here.
14
11. This document never stated the reason for the suspension as claimed in the
15
previous sentence of Parks , declaration.
16
12.) The claim in Paragraph 11, and Exhibit #24 are false and deliberately
17
misleading.
18
b) Again, on p6 of Victor Parks' declaration in the Opposition to the Motion, he stated:
19
" 16. The only reason Countrywide did not approve the appraisal of the property was that we
20
did not timely receive the Preliminary TIUe Report and the executed Purchase AgreemeRt."
21
This statement is lacking any valid evidence. This claim is false and misleading.
22
c) Plaintiff, through her Attorney of Record, in the Sur-Reply Briefp3, and Exhibit #28,
23
stated:
24
·Second, to remove any doubt that Countrywide suspended Samaan'. loan because It had
25
not yet received a signed Purchase Agreement, attached hereto Is Exhibit 28 to the
26
Supplemental Declaration of Victor Parks. Exhibit 28 Is a letter from Countryside to Victor
27
Parte, dated November 6, 2006, confirming that Countrywtde did, In fact, cancel Ns Samaan'.
28
5
#SC087400
Notice #3
Exhibits Volume B
B-36
Case 2:08-cv-0155
-
AP-CW Document 44 Filed a 12008 Page 9 of 31
1 loan because defendant had not yet provided her with a fully executed Purchase
2 Agreement.-
3 This statement is lacking any valid evidence. This statement is false and misleading.
4 d) Victor Parks, in his Supplemental Declaration in the Sur-Reply stated:
5 MAttached hereto as Exhibit 28, Is a true and correct copy of a letter I received from
6 Countrywide Home Loana, Inc., dated November 6, 2008, confirming that on or around
7 October 14, 2004, Countrywide suspended the processing of Ms Samaan'sloan because they
8 had not yet received a copy of the fully executed Purchase Agreement. This letter Is
9 accompanied by the actual Notice of Suspension that Countrywide sent me In October
10 2004.-
11 This statement is lacking any valid evidence. This statement is false and deliberately
12 misleading.,.
13 Countrywide's Current Position Regarding this Document
14 In April-May 2007, Defendant & Cross Complainant attempted to obtain from Countrywide
15 an official statement confirming or refuting the validity of the statements by Parks, Samaan,
16
and McLaurin, and Keshavarzi, that implied that the document was received by Parks on
17
October 14 or 15. When the legal Department refused to respond, Defendant approached Mr
18
Mozilo and mr Samuel in a personal request for help. For anybody working that at that level
19
in Countrywide, reading the date of an Underwriting Letter should not take more than
20
seconds. Moreover, Mr Mozilo is Chair of the Internal Audit Committee, and charged with
21
preventing fraud at any time by Countrywide and its employees. Mr Samuel share
22
responsibility for the integrity of operations at Countrywide. Moreover, Mr Samuel
23
advertised on the web, as President of Bet Tzedek free legal services that anybody who is
24
victim of fraud should come to him for help.
25
Following my request to confirm or refute that this document was not date October 14,
26
2004, but was dated October 26, 2004, Countrywide started the procedure for issuing a
27
28
6
flSC087400
Notice #3
Exhibits Volume B
B-3?
Case 2:08-cv-0155t ,P-CW Document 44 Filed 04 2008 Page 10 of 31
1 Protective Order with an ex parte out of compliance with law and Rules of Court on July 6,
2 2007.
3 1/1
4 I make this declaration under penalty of perjury according to the laws of the state of
5 California. Signed here, in Beverly Hills, California, December 19,2007.
6
7 By:,
) ..~ _
8 JOSEPH ZERNIK
DEFENDANT & CROSS COMPLAINANT
9 in proper
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7
#SC087400
Notice #3
Exhibits Volume 8
8-38
Case 2:08-cv-0155t IP-CW Document 44 Filed 04 2008 Page 11 of 31

#SC087400
Notice #3
Exhibits Volume B
B-39
-
Case 2:08-cv-0155t Document 44 Filed OL. .'2008 Page 12 of 31
moocT 26 2004 D:54/ST.: O:53I1JO. 6S3U706M p
IUCIIIIl:L JAKES C)·ltZILLY DM ,,'-Cute

MOI\TGJ\GJ: CONSULTANTS
ll.r,u",h t: 0~00933 1lr_~·V

.:.::I.::CT:::OR~.:l'.:;ARKS~::.. _
750 l.IIIDARO S:rIlnI S'tB 110
SNi RMML, CA 94901 _I'noot:
flLoncII (4151251-2101
Fe: _Far.
It YOII""" qllNllonl aboullt1.. ~, pleuB corJboct UI at the phone nu_r above.
Loan n\llllbOlr 817)1315 baa bean review&<:! lit the following ".r.u' for Nxvn; $.-'_'
l _ ,,",,"m: lie !l11 x.:tIl:a AJIK ZD~OItlOlllly OWllER occt/P111O

~''''':
~l,... RMUClOD
F1noI""T",,; P'II\CHMS ~QnIdo; N/"
~_3Z0 S PSClt Oil e.-Soolw: 723
BBVJml,~ RILLS, CA
90212-3,15
1.0<:_ l\>q>irat1on
__ 5111 oa:e~
LAM PM....: J7:iz:=-t
I~-
1. :n4, 400. DO .
IQIaI!IlnIl
10.500
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5.500
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2.~$O
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1. U8, 000.00
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Tl\i. loan Iuuo been $t/$l'£!l1)W "n<..l t.he following iJlformatlon ilo provi.ded.. lie ......" "ece1ve
LTVIlJl.1V
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IlIMPIa
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1'10, (}
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d.tl"e, _ ..... t elo_ tbe file
for i.ncoatplet;vne.a::I. ~ . . l"eClei"e tbe in£Oftl\Ot::i.on, we will. revi.ew th. f~19 fot' turtber
de~ermin.tion.
---------------------_
C<md1tlon
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Cond1t.1on c.sclco.-eout.
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a,ll 1IlrQO«1't.lonl 1.n
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provide. oe-p1n. eop:J pbeup A1.0:pq wlt.h
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/
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AP.IlU~ACQSP'rAlllollFIELD m:v:tl!Jr [TIl glJPPOltJ S - J .
$1.718,000 proq.ram VU1de1iDe At. Cbat: 'to btu!:, _ill l:J~r .twr
ellql .PP~"n1 (""'.-1 101'5/041
5 txlIlIUlCnD/SWll&~ 1003 tAr loOCJ[-I11-1lAUI

.:how type of busi"".
(Paq~ 1 of 2 10/2612004 10,44,51)

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Notice #3
Exhibits Volume B
B-40
Case 2:08-cv-0155l Document 44 Filed Ot.. 2008 Page 13 of 31
(lUE)OC; 26 20~4 IG :H/ST. i G:i3/110. 53318706B6 P 2
l-." 8173731$ _._, --:SA!UJIK==::::.!I~N~J::.:VI~r.::_ _
.. 1li'U.l W ul0 'Co fUftd YO\l~ ).QCI vbea tbe fel.lbwiaq :cmQJ,t,L.ona ue caet tt.Mo •• .i.~It.' w1ll • .l,.to appear
en your cloJllng 1n.~::Ne:tiOP8):
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Notice #3
Exhibits Volume 8
8-41
Case 2:08-cv-0155( ,p-cw Document 44 Filed OL. 2008 Page 14 of 31
1
2
3
4
5
6
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24
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27 EXHIBITB
28
9
#SC087400
Notice #3
Exhibits Volume B
B-42
_.
Case 2:08-cv-0155( .P-cw Document 44 Filed 04 2008 Page 15 of 31
750 lindaro
Suite 110
San Rafael, CA 94901
AMERICA'S WHOLESALE LENDER0
Fax
From: Maria McLaurin, Branch Manager
Fax: Time:
Date:
Re: Fax Froml (415) 259'()B65
Pages: Phonel (415) 257-2703
o U'1Jent 0 For Review 0 Please Comment 0 Please Reply
• Comments:
Confidentiality Notice: The information oontained in and transmitted with this communication is strictly
confidential. is intended only for the use of the intended recipient, and is !he property of CountryoNide
. Financial Corporation or its affiliates and subsidiaries. If you are not the intended recipient, you are
hereby notified that any use of the information rontained in or transmitted with the communication or
dissemination, distribution. or ropying of this communication is strictly prohibited by law. If you have
received this communication in error, please immediately notify the sender by email or telephone and
delete the original message or any copy of it in your possession. Thank You.
Notice #3
I
Exhibits Volume B
B-43
Case 2:08-cv-0155t .P-cw
Document 44 Filed Ot.. 2008 Page 16 of 31
~ntryvvide·
AMERICA'SWHOLESALE LENDER
SAN R"PAEI. COltPOIlATl< CENTER

750 L'NDAltO STI\El;T, SUITl! 110
SAN RAFA:EL. CAL[FORN'" 94901
(415) Z57-2700
(415) 259-0866 F.-..x
November 6, 2006
Victor Parks
Pacific Mortgage Consultants
Re: Nivie Samaan

Loan Number 81737375
Property address: 320 S Peck Dr
Beverly Hills, CA 90212
Mr. Parks.
This is to confirm that Countrywide Home Loans processed the above referenced
mortgage application on or around October 14, 2004. The loan was Suspended pending
receipt ofa copy of the fully executed purchase agreement. Attached is a copy of the
letter issued by Countrywide Home Loans.
Thank You,
Maria McLaurin
Branch Manager
Notice #3
Exhibits Volume B
B-44
Case 2:08-cv-0155t .P-cw Document 44 "Filed Ot, 2008 Page 17 of 31
COUPlTRYWIDE HOME lOANS, INC. IiICflA£I, .JAl£S o'n=y OBIl I1I\.c:IF~C

_~ COIISOLTAHTII
S".. "clI I' 0000!l33

7:;0 LtllOMO s~n 1m: 110
Ilr_ ~ VIC7<»l PAJOO;
==""-'==-------------
SAN RJlFAZL. Cl\ 94901 __
Pbone, 1.f15).257-Z101
F..., _Full:
If,ou hIlIW8 CJIIfOlIIIm-
eaut this Itu..., p1W1lM1 IlDntIct WI at the phone n"lOber ..bove.
Loll" all"'.r B173731S ha, hee:n revh'J$<;I at the {0110111"9' terllla £0" Nlv:I~ SAHl\I\lI,
Loan ~ tIC JI1 L:nm A1lH l:bt:.. r:ee1:OnJ.l' CCcUpIlIc1 Typ6: OWNER OOCOP:I:~
~~, JIEO"OC&l>
_T""" POI\CJl1ISI: _GftIdo: NfA
p~-.,3:aD S P&:X oa CI.cIls-w: 'IU
~'l BILLS, C1I
,0212-)715 l:.oo9k txpir"tion
Dat.e:
I'IopooIIrTvrlo: sn.
u... PDo/IIan: n nt
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'this loa" l\a.II ~en 5VsnHOXt> "ntH tb.9 :toUoot!ng l.nto.....tion ia pro'l"i~. we _n .,..~.i"..
thi8 info~tion by 10/25/2004. If wa do "o~ ~eaivc it bY tba~ data, we ~t c~o... th.. flla
(01: i-nor;aspletea• .o8.. Whetl we receive: 'the inlo&mtlt.ion, we wi11 );evi.,..v the £:Lls for tu"-.her
deto;t'ntinotion ..
J. CDS]» Al'J"'Pt'.J.1 I'tq:r~ rol' th!a enMn-otid P-=Q9rilUll wI • "S, added. too .
ftel I .my eond1tlonllt pl"O¥id. .. ,",..pI.et. ~ p4t:lt.a9O &1.aDg .1th
&.1.1 eondJt.1C1P:II in t.rJ.pllc.te
2 Pr"c:lb9 t.D be CCJ:EWCC." -='0 _bcMt • ..,."\ .add ~o ff:-e !(t~ u,l. IfIlh-JIOed
.xo-PtJ.ou P"9f-
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IlI'U," ~ ~ . . . . "VbDt;i'l:.~o
Conditio,," Condit;ie;th o.lIIC'/Correpnt;.

-_._-~---------------------------------_._-
• M'l'AA%SAL-~ PU,tb JmYn:If ('!I'l 5ll?l'Ol<1 "~ )
Sl. 711,.000 pEoq.,tU gll1daU..~ ft ebn 'CD bJ;W., ,,111 oJ;dt-r a.f~.t'
~ ..~....al l"~"'.-i 16/2~/O.1
S ~/5IGlIEIl 1003 fliT LOC!C-D}-IlAYS)

101>o. ~ypo .. f bIJ.ina..
(pag_ 1 of Z 10/26/2004 10,44,51)

• UI/lIElIIIIIllN ~l£I16'. YI\D
rEIllWI(WIMlf:I)
111111111.111
• 0" 7173780000021:2'"
31,
Notice #3
Exhibits Volume B
B-45
Case 2:08-cv-0155( ,p-cw Document 44 Filed O~ ,2008 Page 18 of 31
Loen t: 81731375 -'''''''''' ..::S1IllAIIII~:=~.'_..::M:.:rvn:o:=:::...._...,-- _
w. w.u... ~ ole t:.t:l fUnd )IOU%' .loaD when ell.- to.l.loldOlJ c:Qt\d:.t1ons aJ:of: nat. (th.... leems will al"O .pp.ca.r
~ yD'llr closih9 inllt.:r:act,. ;lvJJII) :
------_...._------_ .._-_..._------------ ..-_........ _-----"------

CQndJ:t.J.on c:cmcU:tkn J)e.c/eo-nent..
Al'PRA1SM.-lICCEPnIlU: C2DJI'PI ....P'iUl~ ll/ll1 VAL-O.->

U n"t tQn<locl by l~/~ l':torldo il dr..... !»' oxt .... u .....
7 l\PPIU'JBA],-A!'PM%SD\ ':C rl'OVIDB' <:lIIlJWIr t.1C1l11Zf:

P.J:"v~da: .1.~o an _ckli.O:J,.oaal •• t af calK' pnotos
um.oc: - CQlPy CII' FIRST MllRTaAQ 11011:

Conc:u.nant .:Lo_ with ~nd at Sl'1800 Ii proviolt' not-If
ttwat you fDt" rubR1ttJ.n9 your loan

your bcI,inlu3.
':b COU1U::.rywido, .bIericata "hoLt_at. JAnd4:.' w. sinctr*ly '*PlU.l::utlll
1D/U/2004
--- ...
DYl'/llVIIfll.llt
_~-_ .. _---..._---
~
'n'tt' ~Uaw1nlJ cond:l~1oMl. h.". baltl\ .aat.teUed And u. shown. heoro tN ~te:t'WOQ:'IlJ Qnly~
CoooUt1o>" t>..." , e - t . .
----------------------~
_ _ _ OIl"....... SXI!L»IA'tIOII ~ X I l G _
.. __ ...------:.....--,-----
... ~1. expl4DGt.iCln Vb)' 2:lUslne•• in ell revene .1.., 011 122'1 $0
AJ.~~, L.A.
9•.d:ly $].0); en 6epo1!l1t ttl e",~row .,,/ :I~ ..e.rl.t"1ed.
prcrid. OJ' bu!f'J.1l4I'1tll U..C eolllW 0'" CPA L.t.t.o:r ".erify.tn9 tlled last. 2
yn lD~O'. G:I IHtlf awlJlLoyed . . . lQ~..'tion
wr bk .. t .... '6el"'~ 0'83'0 '!r>lI ? /12 thru DIU .~ SJ80k
(P.ge Z of 2 10/2'f200~ 10:44:52)

• tJNIlEII\fIImIl~lEmR. \/AD
_-II$_'
__________'O'7B-
Notice #3
Exhibits Volume B
B-46
Case 2:08-cv-0155~ ,p-cw Document 44 /2008 Page 19 of 31
"Moe Keshavarzl" To m9ri8_mcIaurin@counlcyWide.com

<MKeshavarzl@sheppardmuU
in.com> cc
1110612006 03:22 PM bee
S~bject ~ letter
Maria,
Attached please ind the declaration and letter. I would really appreciate your help, as we are only asking
for the document to be authenticated. If you have any questions please let me know. If it is acceptable to
you please sign and fal( it to 213-44:>-2910. Thanks again.
«DOC. PDF»
Moe Keshavarzl, Esq.
Sheppard Multin Richter & Hampton, LLP
333 South tlope Street, 48th Floor
Los Angeles, CA 90071-1448
Direct Une: 213..0 17-5544
Fax: 213-443-2910
Email: mkeshavarzi@sheppardmullin.com
This message is Bent by a law firm and may contain information that is
privileged or confidential. l~ you received this/transmission in error. please
notify the sender by reply. e-mail and delete the message and any attachments.
Sbeppard. Mu11in. Rf.cht~r ~ Hampton LLP
please ~ our website at www.sheppardlllUJ.lin.com OOC.PDF

~
Notice #3
Exhibits Volume B
8-47
Case 2:08-cv-0155l ,p-cw Document 44 Filed 0" ,2008 Page 20 of 31
DECLARATJON OF MARIA McLAURIN

2 I, Maria McLaurin, state and declare as follows:
3
4 1. I am the br,anch manager for the San Rafael branch of C0ll!ltrywide
5 Home Loans, Inc., the'branch that processed Ms. Samaan's loan (loan Dumber 81737375),
6 In or around October 14, 2004, Countrywide suspended Ms. Samaan's loan because
7 Cpuntrywide had not yet received a copy of the fully executed purchase agreement
8 Attached hereto as Exhibit 30 is a true and correct copy ofthe letter that Countrywide sent
~ ,to Ms. Samaan's broker, Victor Parks.
10
11 I declare under penalty 0 f perjury un cler the laws of the State of California
12 that the foregoing is true and correct.
13
14 Executed on November 6,2006 at San Rafael, California.
..... '
15
16
17
18
Maria McLaurin
I
19 I
20
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26
27
28
WOZ-WES1:IMMX.I\400lllIS;.1
-1-
DECLARATlONOF MAA1AMCLAURlN
II
~
Notice #3
Exhibits Volume B
B-48
Case 2:08-cv-0155l ,p-cw Document 44 Filed OL, ,'2008 Page 21 of 31
11/06/2008 12:58 PAX 2138302083 1lIl001
-SHEPPARD l\IID.J..l N
;:iH:-p;";.~rJ i-.,~lll"J::-: c-r(l:.; Go: t1Ni)l1 ON LL~
4/1lt1 Floor I 333 SOIl\h Hope street I Lc9 Angeles. CA 9007101446
2130620·1780 offlClf I 213-620-1398 fI:I)( I WWW'.:t1ICf>p,rrlrDul6n.1:Vm
ATTO~NEYS AT ~AW
FACSIMILE COVER SHEET

.'" TIllS FACSIM1IE TRANSMISSION WJ1L NOTBE MAILED .'"
Date: November 6, 2006 File Number. 0100-092162
Tow number ofpages: . ~.3 If all pap arc not ~eivc;d. please call
(includillg l-pliBO ~ sbeet) ~ David Zasloff at 213-62()..1780t Ext. 4507
IQl Facsindle No. Telephone No.

Maria Mdaurin (871) 812-5397
From: . Moe K.eshavatZi

Re: Samaan v. Zernik
MESSaGE: lfyou have any questions, please call me.
ONl.: e OF THe IN DUAL OR ElIlTtTY

NFlO",NTlAL Mol PT FR M DIS R!! 0 CAB W. IF THE R.eADeIl. OF THIS
SSAGlE IS Nor THE I FtECIPIENf. OR THE EMPLO'VE5 ORAGEW Ri:$PONSIBLE FOR OeLlloIl:RlNG THE MeSSAGE TO 1llE 1i'rTENCEJ)
RECIPt.EN1'. YOU A~ IolERE8Y NCITlRED 'THAT AN'( OlSSEMlNAnOI'l, DISTRIBUTION OR C(lPY11IIO OF THIS COMMUNICATION IS STRICTLY
PRQHDITfil). IF VOV HAV,e: RSCeIIIED nus CQOIIMVNICATION IN EiRROR. PLEASE NOnFY US IMMI:DlATELY BY TELEPHON£ AND RETURN THE
ORlOINALMESSAl3E TO LJSATTHEABOIlEADORESS VIA 'Ttl!; U.s, f'OSTAl.6ERVIce. TlWlKYOU.
0631007025 g.sT:tMMK1\4001170S4.1
Notice #3
Exhibits Volume B
B-49
Case 2:08-cv-0155t Document 44 Filed 04 2008 Page 22 of 31
11/06/2006 12:6~ FAl Z138302083 IilJ002
H!CIII\SL oJIl..'WS O'llEILI.'t on ·1'JIC.nc

liOR'!GJ.IlE oCOrIsm.:DlITS
il:.~ ,: ODllO;3) -"'Cilofoo(; Vlcroa Pmu<$
-_..
1ID l..x1llllUlO ~ .$TI: 110 ,:.:;=~==------------
SI\lII llI\!"GL, CJl ;001 _",,""iii
..~: InSl:2S'l-27oL·
"""
1t,"",hm.~IIbDutrw. . . .r,pI_"<lI>tId '"" /Ol; ~ PAD"'" I>l><>-. "_e,,
':Laen nwob= 117513'15 lulo '-~ .........._.,0;1 a'> ,,1>6 fol.l"..:i.nl1"s"", ::or oavn: BA>iWI.
1.oM ~ 1iC.5/~ ~ »lie' :tn..-reODly ~T"",:

~nTYI*:
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"'-~o
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.s
!I)!;CJC DR
·m:u.s, CA
Clr..-t-.,
.-ock &l<piration
'0212-3115
Pirte:
"'-b'~ SFR
...... - . F.l.rS1:
.--
1 374.400.00
-
~-
1.0<61
---
~II-
0.00,
5.500
2.2:;0
nuB ~Ollll boa. """n t;OSPEN~ W\til ~b. f..l1 ....in!l l.r!:'''C1all1::i.on .L..
-",.
_sf':'""
1. 7lB, 000.00
0,000
T......
!40
I.lVCLTV
1I0.no /'90.00
llloot,.."
0.000
" - " ' " """"'¥1
I!k>, No. or ...,•• 0
P:r:9vi.(led. "- ...."to ....-i_
UU Ulf_tio~ hy 10/2$/2004. Xl! VB "0 ROt. neei.... ;'t 1>7 ~""
for i"coop:Lre....eeo.
cIo1;otmiaat:i.on,
1IIIe<t we ".,.".,1.." = 1.nt'OnflIl,1:iot., I'C 1dU
_ . "" _~ c:l.oae tit.. tU"
"cvie" ... b" £114 f<Jr futtner
._------------------------
"f> .
"""l' _,,,.,,1 'W't'd fl'O 'thi.. filha_
~ II Ul)" CMtaft'E!.oee. ~!da
pi",,,... wI • ~,. , , _
" 1lI~ I:Q$11 :PC'~IiJ. eU.aG'QI ,..J:t;11;
..u aa.u.ti_ 1D b:';l.J>U""t..
,
~ ~~ ...
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....
"~di! ~et.. _He'llft•• ~QU:I::'Q OOI'Itrll.i2:,. C'1!IGltOW ;i.not:.:tuett-=--::II
"u.l III';' .aAI':. . . . . . IlURJ.t.,*.
Cl.OS.JrJ:J.9 .~l'I~ vU.1. 1>41' IM.de 1II'V.aJ:.:u.hl.t: vflc-n t:h. 'CollDtli.:l.-g a»ndit..1obQ -=- .a't ~
~"...... ceillci:l:c1on :hWalCo-l.b'l:5
l\ll'."R%Ut...~ ~B:l" tr;I:v,lg l,;g S1IPPOIIT f-----.J

":l. n.a,'Goo
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pr~ qu.1clG,U.~.
Ib~ )DfllflD4)
"c. t:ua1: "to brv~1 vUl or~r IIft.el'
:I ~/u"""", 1D03 1M' =-:DHIArl:)

~., tyPU' of ba8~••
[p~ .. 1 Ol! 3 )O/~GncOl ).O,U;Sll

.~~~.\M.tI
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IIII
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1111. . . .
• 08, 7~ 73TSOOOO D2&211'
0631007026J
Notice #3
Exhibits Volume B
B-50
Case 2:08-cv-0155l ~P-CW Document 44 Filed 0.:, ,2008 Page 23 of 31
11/08/2006 12:56 PAX 2138302083

........ 141 003
...-" &'17373711 _ . --.e .:WW:==\It::..~";;:I:.:vu:~~ _
tfe ~~ " ...w.. 'Co. !.:wnl VcnlIE' 1~ .,.",_u ~h~ £Ou..ovt..oe aC*1dJ,.:J.OftS b):'* . . .1:. (t.hC'=-: "'r.1M'IJ, K1.11 AJ-o IPI\N:fU
em ,..,..' clo~±n, U..b1>claifto<ll
"....",-.~
en"'. -------------------,-----
C<no<lJ.'UIIn. cemdl.;:l_
6 M'l>l'A%.U·l\ecm"lAB::Jl ~IOI>I. lMIN VAU":i_)

~~ ncr.: c....<I9<l I>y u,~ pl<'O"J..~' ~ dri.-ebJt """ ." l> ~..... et
7 ..... ~ ~ Q : I l l.'O nt>9Dl1l c:aIIIlI:m' ~ ~..

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• JlRtll!Ill\ eat1'!J'le&'l:lCll 'TII1J llL:L CCll'l':~ AH1t noll!: MIl> ~
IISLOC ~ ~T l'I"n'loR' 1lOIl1'""..JlQZ JIOD:

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U :mcat&-o~$~<iBQ ROW{ .,!,(), f 8S..o~
3.:. coJ..l.ece StOG ..app;:rAi.~ tJ.olC1 :rC!v1.~ £~ .£J:"om DrYr ..Ln .~:II'OW
~a4 ,.... _
~'Ur bU~lIl....
o\>J;,05.t;"-'-"'J
.
y=z 1 _ "" COUAozyoJ,d", ~~... ' . _l~c ~,,! 11..· ~~ .~~~..
.
1I/~4'200'
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CODlUt;;f..." I>o""'rc:_,_.__c ~ ....;, , _'_ • _

1IlU~ Bllf~IDN R&lWlDnIO _
~bJ..e n::pl.n.-tlu \lilY bU.1N1'.IUI i.~ (1.1 %~:':":1II ~~ DpI U11 so
~(.tt<i. ......
9ori!'y 'lOll:: on .JlDa.tt. "" eJIIc,;(OW' W' ...~. 'Y'd'Ule4

1'Z'QVJ.6e DS- l:av• .£h.D. tiona.e 0,. ef~ :.-t.t.t!'. ~1 £ysng '11•• 1.,c 2
yn 10" t D aa .t:l: MI'p1dJeG aMle lO,*UDQ
1IIF 1>11 """"" t"S1..... UI310 to>: 7/"% tIUU ./12 .a::; ~18DIC
lhg" 2 ()'f 2 lOIZ€/2D01 111:44,&Z,

• ~\IiTlSl.WU>
-...,ol
0831007027)
Notice #3
Exhibits Volume B
B-51
Case 2:08-cv-0155\ Document 44 Filed 0, :2008 Page 24 of 31
"Jae Arm 'J.R.' Uoyd"

~
To "Marla Mclaurin" <Mari8_Mclaurin@Countrywide.com>
<jrlloyd@Sbcglobal.net>
cc
VI 1110312006 03;21 PM
bee
Subject 6~ Suspsl\5e from Countrywide
Hi Maria.
Here is the suspe~se iss~ed by Countrywide. Again, we just need a s~atemer-t or

guideline showing that the ~ully Executed Purchase Agreement is required by
CountryW:de for Final Loan Approval.
Thank you.
J.R. Lloyd !or V~ctor Parks

310.275.5353
~
AtIached1.PDF
Notice #3
Exhibits Volume B
B-52
Case 2:08-cv-0155l . P-cw Document 44 Filed 04 2008 Page 25 of 31
FJOM :rmocT 26 2004 1-): SVST. :0 :53/110. 6!3-4870665 p
COulfl'l'n'WlDl: HOME" LOAHS, ltIo. NICllU1. JAKES O'UILL}' DBA l'),Clue

MORIGl'4~ COIfSOliIANTS
arll.neb •• 0~009:J:) a....... ~ _V,-%CT~O_R,;..;;P;;;ARKS=:;.. _

7&0 I.%NOlU'O Snu::Il:r ST!! 11 0
SAN RlIYl\BL. CA 9001
""'"
>,ILoAllI UU13S1-Z101
_......
_ f'IlOIO;
lfyOllllllW q,..,.1Iboul1tl1a a.u.t, ~ IlQIJtIICt uA .~ the phone I\uoober _ e .

Lo.an a\Jll1ber 81737375 baa beGo ".."iell&<! At the £o11owi"l1 >:grlll" lor IUVnJ $11_,
_Typo:
""","",_320
_..-- sn
PURCKMa
s
tSCl( DIt
UVBIIJ,J HILU I
90212-3'15
CA
-'- ~7Yl"':
~~
0.-_:
Loco Expiration
Oa:.e:
OIlllBR
RllDUClOD
N/A
723
occurtto
u.n.-...~ J'i.rtt
1:'-'-
1.374 400.00
,o,ppr_V....
0.00
SolNPllcII
L.119.000.00
LlVlCI.1V
80. DO I '0.011
1IIott_ flo.to .... DIooI'lo
lOoolIl*lV-
10.500 5.500 0.000 0.000
I::':"u -..
3.2:10
T_
3'll
~.......,.,
1110, 110. ~ !lOA. I)
This loan h&a ~n S~~~OIW unto;'l !:he folloving inf"=m.otion i/J provideG. II" "oat. """,ive
l:1l1l information by 10/2&/JI004, It _ do ~ "eo"lYo it by that date............ t cl."ft t.h" f'l.le
£or uOQl1lPl0tfJinlill30.. Ifbe.n we reQ'e'1.ve tile 1nfCftlbtion, we wi.l~ reviow th. f£19 tor 1!urth.e.r
determinetion.
CO'Dc:Ut1on Cond1tlon ~.G/CCDII'Mbt$
1 eozp ap"""".l
-------~-----------------_
%,",,'~ fo~ ~IU.• •_ . d P"'9"%" vI .75' .._ to
.._-----
C Po1 oon4i;'i.on" P':DVJd:e a ae-pJ.et.~ t'bfIY packalJe AlOJl9 lI2.t.t\
.11 oo~.L:;.lOD• .1A ,,~J.pLJ.c.t..
2. I',de.n; to be ~J:ec:rt.llld t..o -.hew .. "n, del u. fee fo;t 'th.l....nMncaa

.xeeptt.on pRep-_
3 .1'0-.1" carapl.t.• .xecu;ocI purohue aoat.r.liat., ellcrDtl 1nlltruet11l>l\'

will. cot ~ ... • .u.b"f"e.~"o
J
4 APPtw:~ rULD m:vn:w (TO SWPO,.,- S--..> .

$L.1U. t100 prog.t"GJD ;U1de~1D. at eClat to bl:vC, _ill. oJdor .fwX'
l!8!'p ap.prDva.1 Cbrd.... 1M! 1 O/~S/C.)
5 1003 (liT J.OCI[-llI-RlITE)

l;<lJlIW:"rI:lI/~lmII:D
aho'" t.n- of b'\1si.l.
CPa.,.. 1 of 2 1012"2004 10"4,5LI
• U_RllllCI DEmIQN(:tll'lll]lOL£I1Sl·l'lUl
-.us~
I ', 'II .
: • I ' :
I I I
I
:l IJ I: I
I
I .'
I I ,I: I
I I
I I:
I
Notice #3
Exhibits Volume B
B·53
Case 2:08-cv-0155( Document 44 Filed 0" Page 26 of 31
nmoc~ 26 2D~' lG:541ST, 'C:53/IIO. 633jB70686 P
La. .. 81737375 -.-, ::::~==~,~N:.::to.:VI:.=::l':=__ _
JJo abl.o ~. fund )'fnlr loml "ben t M follkJQq ::cnu;U,t.lonB are :&et (t.he•• i.tllt~3 ,,1.11 ~o appear
. . .;1.13.
en yom: dodDlJ 1n.cruc::t1.ODII):
---_.._-_...
45
_-~----------_ .."'_.... _----------------------
APPIIA1Illl1-l\CCJ>L'TAIIl.E CI£L/1OI:W "".....XMJ. IIIIlI YAL-$_l
i t ""t f11n<1od by 12/2 l'''''vide • cl>"l~ .,.. ..... Z<lceR
7 AWR>.n.u,..~~"AAIf"" ro 1!aovtI>& ctIRIlE>IT

l'.rtWJ.d-, A).~ an add;Lc:Jol\Cl •• t. of oo1.uo:t photos
"'''''''''1:
I> ULIlC' - """y 01' rXl\$l' ItOROOllO IKn&

eoaCllU:CE'MI~ c-lo•• td.t.ll ;Ie at. ,Cl?I.IDO , p.-ovidlt l\O~.
'tlwnk fOU CDr .\d;wi.ttLI19 your loaD 'toe COUrl'L-tywidh ~-'Ge'rlca·s Irhol....l. Lendell 11'1 .1I)e.~.ly Al)pr"aei&'t..
you>: ..... l.De•••
lO/H/2004
._--------------------------------------------
~ 1IIUTD5If 1IXPLU:IU'10ll' REGAAOrwG _
Aecl'»t.abl. _OlMal.1.ob. WIl)' Du.~.11 .ill III rev.n:e J,.s 01\ 1227 So
Al.f:r.cS, i .. A.
Vlld-:C'y .,)O~ on CIO"po.'j,t, w' c,crDW vI lObi-C'. 'Wr1t'ied.

I'kOYi-d. 01' bu..""••• lJ..p~~. Q," erA .1,.t;tlltr 'V'ertf,l:nl]l Ul" l.ur. 2
yn: 104 D'. as Gel! UIJ'10Y~ ...... lboe:.-l:lon
1Ir bI< .bot 1611-4098390 to<' ?1l2 tt.iu UIIZ at UlOk
[JlB9_ a o( 2 ~0f26/l01li 10: 44: 52)
_.-......,
._~ISTT&R.WIJ)
Notice #3
Exhibits Volume B
B-54
Case 2:08-cv-0155( ,p-cw Document 44 Filed 04 ,2008 Page 27 of 31
~PO~ {O~NiRYWIOE HOME LOANS ~15-25S-Q865 (MOt\)HOV 6 2006 17:5?/ST. i?:S7/NO. 6334870015 P I
,
7St) "'l'lQtlro
SuO '110
san Ra~el, CA {M901
AMERICA'S WHOLESALf LENDER41
It
f.x f'.....m: (41$) 259-0005
pt-r {415} 257-2703
,
Ii
1
,,
I
I
t'
. denUalitv Notice: The lnfOrm8tIOfI contaNd in and 1mnsmitted wItt1 Ihi~ oomlTlUlicatlon 1& mctly I
co 'ai, is n.ended only tor1tle useoftha Intended rec:.1>ient. and is lhc property ofCo\.l~
Fin Caporation or its afIi~ and SVllsid'l3l'ieS. If you ere not tile intended recipient, you are
nolifieCl that any we of !he informatiOn contained in or ttBnsmilted wiln lhe communication Of
inallon, dlstrlbutlon, or copying of this COO1I'IlJnicatiori it s1ricUY prohibited by laW. If you have
1M communication in error. pIeese immadiately notify the sender by email or teJephone and
the OIi9inal message or any oopy of it In yoor f,X)$$e$Sion. Thetlk You.
j
I
I
Notice #3
Exhibits Volume B
B-55
Case 2:08-cv-0155(
-
p-cw Document 44 Filed 00::, '2008 Page 28 of 31
FROM COUNTRYWI~E HOME lOA~S ~'S-259-086S (MON) NOV 6 200~ 11: 57/5T. 17: 57/NO. 533487~015 P 2
:=:"'N R ... ""ra- COIt.I'OI\AT¥o C~",'rnl\

7S0 L.Nt;....no ST'f\SB:T, $VJ"'s 110
I
SAN R.AP'AII'..... CAI.tFt\ttNI"", 94901
(+1$) 257.:/.700
(+1 S) 259-01160 FAX
I
I
i
V· I r Parks
p ~fic Mortgage Consultants
I
Re Nivie S8.Ill88Jl
I Loan Number 81737375
~ Property address: 320 S Peck Dr
! . Beverl)' Hills. CA 90212
I
!Parks,
i
Th I is to confinn that CoUDIr)'Wide Home LoaJUl ~ the above referenced
m I 8 e application on or around October 14,2004. The loan was Suspended ptnding
'pt of a copy oftbe fully executed purchase agreement. Attached is a copy ofthe
issued .by CountryWide Home Loans.
Notice #3
Exhibits Volume 8
8-56
Case 2:08-cv-0155t IP-CW Document 44 Filed 0.; 2008 Page 29 of 31
1 Joseph Zernik
Defendant & Cross Complainant
2 in proper
3 2415 Saint George Street
Los Feliz, CA 90027
4 Tel: (310) 435-9107
Fax: (801) 998·0917
5 PROOF OF SERVICE
6 STATE OF CALIFORNIA, COUNTY OF LOS ANGELES
I am employed in the Los Angeles County, State of California, I am over the age of 18
7 years and not a party to the action; my business address is: _
On Dec 19,2007, I served the foregoing document described as:
8
Notice ofDocument Purported by Plaintiffas a valid Underwriting Letter.
9 This document was served on the interested party or parties in this action by placing a
true copy thereof in the finn's mail, enclosed in a sealed envelope, and addressed as noted in
10 the attached mailing list.
11 [xl BY MAIL: I am familiar with processing correspondence for mailing. Under that
practice it is deposited with the U.S. Postal Service on that same day with postage thereon
12 fully prepaid at Beverly Hills, California in the ordinary course of business. I am aware that
13 on motion of the party served, service is presumed invalid if the postal cancellation date or
postage meter date is more than one working day after the date of deposit for mailing in this
14 declaration.
15 FORAITORNEYS FOR PARTIES
[ ] VIA FACSIMILE: I caused all of the pages of the above entitled document to be sent to
16 the recipients noted above via electronic transfer (FAX) at the facsimile number as noted in
the attached mailing list. This document was transmitted by facsimile and transmission
17 reported complete without error.
18 FOR COURT FILING
[ ] BY PERSONAL DELIVERY: I delivered such envelope by hand to the offices of the
19 addressees noted in the attached mailing list.
20 [x] BY EMAIL: Courtesy copy. Sent by email with copy to me by Joseph Zernik in Pro Per.
Executed on Dec 19,2007, Los Angeles, California.
21 I declare under penalty of perjury under the laws of the State of California that the
22 above is true and correct.
MAILING LIST:
23 1. NIVIE SAMAAN 2.COLDWELL BANKER + LIBOW
Moe Keshavani, Esq Robert J. Shulkin, Esq.
24 SHEPPARD MULLIN, LLP COLDWELL BANKER
25 333 SOUTH HOPE STREET THE LAW DEPARTMENT
4S TH FLOOR 11611 SAN VICENTE BLVD 9TH
26 LOS ANGELES, CA 90071 LOS ANGELES, CA 90049
27 FAX: (213) 620-1398 FAX: 3104471902
28 Name Signafure
10
#SC087400
Notice #3
Exhibits Volume 8
8-57
Case 2:08-cv-0155l \p-cw Document 44 Filed OL. ,2008 Page 30 of 31
NAME. ADDRESS AND TELEPHONE NUMBER OF ATTORNEY(S)

JOSEPH ZERNIK
4215 Saint George Street
Los Angeles, CA 90027
T;. 310435-9107 F; 801 998-0917 E: jz12345@earthlink.net
UNITED STATES DISTRICT COURT

CENTRAL DISTRICT OF CALIFORNIA
JOSEPH ZERNIK CASE NUMBER
PLAINTIFF(S), 08-CV-0155O-VAP-CW
v.
JACQUELINE CONNOR ET AL
PROOF OF SERVICE - ACKNOWLEDGMENT
OF SERVICE
DEFENDANT(S).
I. the undersigned. certify and declare that I am over the age of 18 years, employed in the County of
Los Angeles, . State of California, and not a
party to the above-entitled cause. On April 15th , 20 08 , I served a true copy of
Plaintiffof Fraudulent Countrywide Underwriting Letter
by personally delivering it to the person (s) indicated below in the manner as provided in FRCivP 5(b); by
depositing it in the United States Mail in a sealed envelope with the postage thereon fully prepaid to the following;
(list names and addresses for person(s) served. Attach additional pages if necessary.)
Place of Mailing; Los Angeles, California

Executed on Ae¢J..?!Il" !
(fi , 20->0~8 at.. :;L;;;:;o",-sA:.; n:; s;g<.:;el:;:;es:;. . - • California
Please check one of these boxes if service is made by mail;
o I hereby certify that I am a member of the Bar of the United States District Court, Central District of
California.
o I hereby certify that I am employed in the office of a member of the Bar of this Court at whose direction the
service was made.
IIa I hereby certify under the penalty of perjury that the foregoing is true and corre
TJZe:.7U/
ACKNOWLEDGEMENT OF SERVICE
I. , received a true copy of the within document on '
Signature Party Served
CV-40 (01/00) PROOF OF SERVICE - ACKNOWLEDGMENT OF SERVICE
Notice #3
Exhibits Volume B
8-58
Case 2:08-cv-0155l \p-cw Document 44 2008 Page 31 of 31
SERVICE LIST FOR ZERNIK V CONNOR ET AL (revised 4/6/08)
Sarah L Overton
Cummings McClorey Davis Acho and Associates
3801 University Avenue
Suite 700
Riverside, CA 92501
951-276-4420
Email: soverton@cmda-law.com
John W Patton, Jr
Pasternak Pasternak & Patton
1875 Century Park E
Suite 2200
310-553-1500
Email: jwp@paslaw.com
Michael L Wachtell
Buchalter Nemer PC
1000 Wilshire Boulevard Suite 1500
213-891-5761
Email: mwachtell@buchalter.com
John Amberg
Bryan Cave, LLP
120 Broadway, Suite 300
Santa Monica, CA 90401-2386
Tel (3101576-2100
Fax (3101 576-2200
Email: jwamberg@BryanCave.com
Notice #3
Exhibits Volume B
B-59
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28 Exhibit B(2)
April 12, 2009; NOTICE #2, RE: CFC/BAC
William Allen Parsley, Borrower
Case # 05-90374
Notice #3
Exhibits Volume 8
8-60
p.l

Fax Cover
Victor Parks
(888) 575-5693 Direct
(509) 271-7845 Fax
.Bl Urgent o Please Review o Please Approve o Please Reply
Yo: Shawn/Donna FaxNumbor: 415.259.9855- 0"-,-(..

NumberofPagesl 15
From: Victor Parks (,nGlL/cling COvor)
Date: October 25.2004
Comments: Fully Executed Purchase Agreement wi Counters (Samaan Approval)
Notice #3
Exhibits Volume B
B-61
101;; C:::, 0"1 05: 031"
1".2
10/22/2004 15:42 3105507531 MARA ESCRO\~
.... ~.~ • ..... "",V£,,U"\-LL. o'"'t'lll'\cr\; f"AGF.: 02
310 n71 463~; S~P-22.04
4;OlPM;
r.... lrmnnT. \(on Lani MollJ
PAGE 15/15
:NT BY: o;;O~;Jl'/E~L BANJ<J:>1; S10 271 4~34: PAGE 2{2
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9. 0 ~~ng ~ '\.,;.;~;f'::;~.aeo'lnP'lIJ!l Cl;»4A1M'Con.~;;~..:C~.~""""::~":"'~

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7. R:f.&HY to AcOEP"TO"N&;ROF~fi,R:f .. "ft""r~5'V'\OI'V"'tteJ~MtJO,l1!I~ottm'~to'!.JIIUaf""~t~.;i1'\lS 1O~.:lfl.Y~Ol'"
P"4,.:::II :'ttV.~ ~rfO"'" ft~fiUt-Olt o~ O~C(l~fl~. ~Qo"'04I7ib~ IrtfJll:~to,D:t\ J,. ~''CT';':'''':D $.o~-e6untC',.o«rt,. ~.~ td~"'O' Ctft"'Of.
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13"'>,I~1 or -'ntJL1r fa ""'I'f"I:tn t( ~ """I ~"" .1 Cap]" 01 t"frJ :i,ttJ«l ~tv,.. QtIQo' ~ pltrt':on."~ ~UIOCI }IV t'u~ ,,01'1'''''' M:Uhnq
\toIr. ~\lMAT ~ fIoI'
who .... a\l\nC!T.7rtf 'bt~eol. hY::-1(1)1-M~\h.lI ~o.a.'Al\6nhk e:.cn.Nl*fQlfar.~oft(,i1'~bJ"D- __

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(w ..............) II4tJLYIf'L/t COUNlCfI orPI!'.f!, "'~¢t .. ""''''''''''
be 'UJO :$l,IItJlII'I 0," 'n tllr$ ~o",n\a,. 0,"' N"r.pbtQl"lC'b i r ow. covmcr
e - 0 _ ) ll> ..."",.r .ro... ~_ ~l 0. 011_ """ ""'Y #I r(lo,
O1'for by ~, DbdC n« M ..hdt1\9 un..... aMi u-u. It ~ e
, f1t.,~.gnQ" t'ty &)'01 :0 ~~r:tnl:A'Jh 1 tlD4Q:w ~r.d 0 07py of ~1:lC Cof.lfIler 0ffirI' ~ ~ ~te&h T J»:~r.::::~~~"t:'~:'~
inp~p;o~~~"~~I.~·r.jiiYc;;zno...;ilh,iiutrl\~\lC: nO OU\"''C.orDit)iJV~iQ;1lii jW~ ~""'.,.. ottrJo.~ •
...
NoOn:; TO $tsu..E~~ Do NO" &tgn In 1:n.:J, box unt" ..n. t.uyctaJ91lfl In P~""OfI6. ,~O~ r ~~ ~it~~. it "C,hOI~)
___ _ •••_ __~ OlOto Yl~ a,.",l]I'l/I
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Notice #3
Exhibits Volume B
B-62
Oo~ 25 04 05103p p.3
14ARA I:.SCl<UW
310 ~71 4834; 3EP-22-04 ~:59PM; PAGE 13/15
p;3
.;,~o ~71 40~~:
COUNTER Of"FEfl I'lQ. 6~(;;.

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{C."'.ff.a:••""", (:0-". RlM'1"":' <QI01)
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... Cho:IiC'~:' .... ULy.Pu: C01lNT.l!.A (lPFcn. :ll'IUp, III n""klll.O h COu ' Cf'4".o) to al"l.,th,of' ,.m~A(:II"'O f)u~/(C.) 0" t~c ""'3' ~Y' Or
~., t:lot 0 .. 'h6 ".n,.T'lC .15. In ',",,"\. C:::Ovl\'Uf Ott.t.....cc..ptW1eO of '''1= CQ r-t OJtor ~)l' ~1I1t.l.f .It:ll~ f1()t DIll' btn"""',, UR~ N'to" . . . .
Cit 11: i:J
~"'~I'I:J)' rn'~-:>QI1~ QV t.ollr' jr V~'Q,o"4.,h i E:c.rt1l'l' "ttd CO'M1Tt\,l",I'=J'lI,(tn« ,IIj,.II'"..'J1 l'""C""P't"I1~ ~" m"wl) by Qtl'fl'V'f:lhn1).o ~'OtV'(I CoI1'l•
•'" /.'W'r0'\6fl" by ""'l~ 0' O\-' ',('I(:,t("u1c. whICh 'lJ Q~~t).,~ tQOrt,.,.."g. fQo auYor ""1('1 ~"V'~ ~~-.) .
?'Ot r~
"'0 GDl'''p•.-I'OA QI :.n at tnl.ltou ~...",,"'1t... Ouyt:f ilf'<! Gl~'l)r~~Jr htlW'O 110 OVll\\> 0' OD..g~on" ).,).. Ilw Pdlot~ Uol :...". 01 lntl I'tdptffty.
,:~
.,
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Notice #3
Exhibits Volume B
B-63
UO~ ~~ U~ u~:u~p p ....
16/22/2664 15:42 3165561531 MARA ESCRON PAEE 6'1

310· 271 46a4, 58"-22-04 3:49PM; PAGE 2
CAUFORNIA.
~(.·."".'''''UU.'''f.'' RESIDENTIAL PURCHASE AGREEMENt
~~I\""''-:t) .. ~;\'I'«'I"\ AND JOINT ESCROW INSTRUCTIONS
~ or- ltr•.\I.·rot> ...•· For liM Wltn SIng/<> F:>mIlV R. .ldentJal Propeliy _A_hod ar D.mcl>od
(<:.A.~ Fomt
F1PA.cA. AevJss4 l0l021
I)"I<! ~~."'P.I:.~J-ot-;l.~ .r _ _ _ _ _..I11~9~.,..!C!!!.,'";t!J:lCWH.Ll~1r.l<tL ,CatifQmi.,
i. OFFER:
A. tHIS m AN OF""" rROM &nll..liJlll"\.."U""-""__,.......,,=:-_=_=~
a. THE Rl'AL I>ROl't:J'(1'Y YO til:. ACQUIRED '$ a"SClloeo '5 3?Q :lie CAw'; P!<JV(I. ~i.,JJb-fil!....J.W~ ="':'":";'"
... _ _ . _ _ .A$~5or'sPProeINo. 4328-C!2f-!?23 . llilu.'1\"Q In
_ _ _ _ _=......J'f!.~..Jfi.I.J.!1 • County of Lps ~,:f_. • C.llloml•. ("Pr.iJ«ItY').
OJ)~'l;l;IUS",t:JlX:...llmI\l1'C!O.{lttr:rt!...-Io:l...lic1''''''T=''ZlZU;t;yl<-'''=h9a't1t7:J<''~nd"""......,c-::......,=......,-::-:~-=-
",,-======:-:-.__ .
C. -rlict tJune.rtA$l· ...fot1C....
D. CLOSE: OF esCROW snail OCCU' 00 __

CrfcflolCl I},;
.
Q .. tol>A.1L %5. 200:4 [d""')(orD D.y.. AlleIA""~I.""").
DOl\OtD~ ~.!pO,O"O.90'
_
.
2. FINA"'(:l; TFAMs: Obt.'''ln. Iho IoAno bp.l_ "" .. a<>l'\llnllon.y of 1111. /Iil,",olYlent unlOU; (I)",K!w1 2ft 01 2l 10 cI1o<1<.a bolo"", or (III ollKlrwi.o
.greed ,n wrIIlw,l. Uuy<:r ,n•••~l dfhu"nlly ;'r><l,,, gOOd ~rth 10 ODtaln !IIo do."'.Olod 1... 1\&, oor-I'lInc d'ooo,l. dOl'll) ony"",,,, nod clo.."') «>lIt<. ... nO\
• tiO..II"9CO~Y· Duyvr tepI"""AI6I11ul funO$Wlillle ll¢od whO" <Iep.slted "11th E$C10",l-lOltl\!J. :1.0 000 00
A. INITIAL DEPOSIT: ouyor "". 91\"on a <l<'pa.._ln 'he omounl or , .. • •• ."., - .. .. • .,." l '
tl) 11m ;tQpnf "Ilhm.%ng tlte offet (ot" tJ3' LJ ). bl" Crt::lonul c::f'.c:'(k
(0' G. ... I. pay,blc 10 ""lid" •
wtlld\ Shall b~ held uneasbll:'<l until AcQ:ptpnce un" then d-epQ~jtea w;tnftt 3 rJu~fn(:tJ$ dil~ "tmr AC'Xlpmnco
\01 ::J . ). will>
Ewo"'HoltlQ'. (OlD lnlq B'oke".$t",stOC¢Q\l"I).
l!l. INCRCA:;r;O oePOslT: Ower .MU llCPOl:l1 ....,tJ1 F.'3Crow tloldrJ an .. "",,,,,od d<'lpo:>lT 'n lilt .""""" fA
wnnln lr.>YA Af\~r ~pl~ce. or CI .
. $-------
C. FIRST LOAIl IN THE AMOUIlT OF .• • ..•..•. ,.".:, •• , .••• , ••• , ••• , •••. ,.... .•.•. • ..• $ 1., 336,0(}0.OO
tll >.II:W FI,., D<Ie<l Of '1'\1$( Itt t?,uor "f lende,. enovmberlnp tho PI'Ol-'<"tY. S<'(:II!'i.... " not" tillY"'>'" ~I m,,,"m,,,,,
tntll'l~ -0'
~ "122 o!.(. fij(4i'ld 'A1:I'. a.r r. OQQ 91. 'InitJullJdju»fub-lo fl:dO mtb Q maXlr'ttUM itltcn:~J':)1C;
01 .-2..fUUL- "". b"lanCC due '1\ 30 )'elll!l. 31YlOroted OIl!( 30 yeanl. auyer oholl
P'll'-lt>Qn rees/points nO! to ""e«lId . (Th."'I."'" apolywhelhet llle deliIp",,"'d loan
t$ CO"",,entiM:t1. FHA 01 VA.~
III 0 fHA ;:; VA :n", 'ouow,n!! "'mY.. on". Dp\llY 10 Iho "w. O' VA ""'" 'Ol" l> et>t!<ked.)
Sonor tIl~. o~Y % ,,~.ounI90"bo. Sailor tollolt ~ olber ~ nel a_1O "" P~><l ~y »UY"".
n
"0' 10 CO"",,"
S---.- Sellor a"'l1 P~)/ ,he _1<' lon<1o' "'flul"'''
Rcp.>'I>' (l.1<Judlng
lhoM fOf woQd "~tT'Oyh~ c~.t) t\N Athl;lf'tNiI;.D prcwid..d fo' il\ tbla Agrcl'lI"l,mt. 0 not 1Q C'OCc:c<'d
:; • ~_ • ./Aclu""llo:.n .;,VfIQUrtt fTI:;Iy 1t\~'OD if mvrtg::lQa In~ur;rnoe ptcfr'\liUlTI:.. fut\Chl"lO
'~05 ¢or e!os:.lna (,(bt3 :uc 1,n::1l\~cd,j
O. ADDlnONAL FINANCING TERMS: s.:llc' '""""o"g. (OAR. Fotm SFJ\): ""OO/lllOry lInon.. ng, .•. _ . S _ _-'1"'6"'1'''','''0''''0''''0:...:....O=()
(C A.R. rOfl"'fl PM p.;·U·~'lf;Jph 41:\ ; :L"'to:tJntnd n"anoih CA.ft. F~rm P PQ~ I";U) ...0)
e. BALANCEO/, f>URCrtAse f'~ICe (nOt InnJudlnQ 006ts of ob'olnllQ loans and otll8r doSina costs) ill the sm:>unl of . 5 l.!!L,.o_Q.D_·_Q.Q.
'0 be d8PO.~ed ,\<it, l".ClOW ,"o'<fgr willi'" .ufficl~nl fim~ to cI"",~ escrow
fl.f'VI'tCHA"'1: ('R1CqTOl'ALI' . .., _.. . .. .. .. . .. ' , :1, "'70 l 00(1. 00
C. LOAN M"PLlCIIl'ION.S: With," ~ (ar Q
blQJ(..,.,. S.Utlng th~t. bc."QtI 0"' ~ Jcwlow
) D.Y" Me' A<cap"'nco. ~"yet .hall o'O"!do !;eUot a lellor f,om
Dr Buyer'~ w'ilt.en ~p»elit\",rr Mel ere<!it repa-rt. SLl}/e1 1$
"'lid",
prequafltred or preapproved tor the N:'W rOiln
or motl!l~g.. IOk.
9~Cr01K' in 2C ~ bQv,..
H. VFRIF'CATION 0" DOWN ,.... mr...T AltO CLOOINO COaT'll; 0<1\'9' (0' Ooy",·:. ""'''0' 0' lo-on ')f"",/'Or ou"'u~'" 10 ;101 "h~l1. wi!)],.
1101 0 I Q~s Aller AcccPtOnCCl, DI"Ovi<lc 5cJlorwlil1~n lU\1;tJe.>tl.n o. Auyo~. down ~yP1<,nl ~nd clo3lng m.~.
LOAN CONTINGeNCV REMOVAL: (I) Within 17 (Dr 0 I D"l'" Aller ACCQIl~noe. Suver "h<1I~ :IS .peoi~ In ""r"il",ph 14. f<!"Ylove
the Jo:n contingency Of caoeot tttl$ Agreement OR {", (It ch~ed) 0 thl! foiilfl lXIntil1~nw shalf l:em.:-ir1 in e'fhJ~ until t~ de....;:Jgn~ lo.al'!t 2M'
1Lf"t'.e<J.
J. APPRAISAL COtlYINC(NCV ...1<0 R£MOVAL- ThIo.Ag","",ont I. (OR, I( ~¢Ia><j. Cl" NOT) <Onll/l9"'" UJlO" ttoe Property aol"""'"9 at no
~S8 ~an l'I'\e aoecificd purcl1as,e ortee. If tk."Oo ~ '" loVl con~n.;CnCYI t.l.t the time: tho 1om'J conf1rlglPt)C.)" " l'I;!tn¢vad (ot. It chBdrted, ~ w,lntA 17 (Ot
;:1_. _ ) Oays Ak"r AlXJ'ptonCllI. Buy~ """n. "" npecl_ In P.~Dp~ HO(:l~ ,.."... tho _to;...t ""l\hnO"••y 0, C."ec:II/l~ Aore........nt.
It tMrf't ~ no. ~,"n l;:/lfltln.,oncy, RliY"J'r fIto.Ol~ n9 ...peclftAn In P"fU$Jl'l'lPt'l 14Dl.3). feJT'll)'YO til,," "OI:l~"'ot -l,X,)fI1It,gcoey W:\NR 1T COt' ) O;»:v"'"
Allor AcceolonCf,.
K. (j 1m LOAN COnTIUGE/fCY (It cI>t!~l; Obtolmng ",~y Io.n in p.r"llfapb, 2C, 20 or ~1...wheICl in lhl"~nll:> NOT Q ""nU"S"""Y 01 t~l.
Agreement. It Buyer does nOI obt;Jl" th~ rQE'ln and ::Ie.:I m ..ul, 8U)"'i1r doeR.not pul'Che..GOC 'l'lo Pl'oVCrty. Soifer Moy ~ .."t1tfcoo to Ouyofe (fC'f)O'Sit or
o\ttCt' ~~ar r.QMrdlf.!'~
L. 0 ALL eMmo, '·I:R{I(CI1oc.e~l:Nol.an "'t\tte<Ie<lIO porcnese tne f<top0ttY. $U)/e( moll. "'.JIlin 7 lor 0 ) O.y~ A~..r ACCllpl.~ce.
p'Ovlde :SeVer W(IUoiII) vetiflC3II01\ Of 'SufttQe1lt funofl tn close this tt3nsattJon.
2. Cf.,O$PJt:. ,,'He occtJiP,Ufc.v;
A. Buyor in{Qnd, \or G do(',; not ....'I)nd) 10 dC;¢.U~)J 1M J"I\)(.IAI1Y"~ l\l,lywf":l P(,II"J"I:uy n:~:Itt"IlCO'.
,.. :."o'.O_C...,.d .... ",c;>nl p,opatty: Oeevp.ncy 01>.11 ~ OCliv....." III ilLIYor 0'1 --.1..L...... ~ AM 0 f't;l. 0 on ''''' oPt~ 01 ClOse Of e.er"",;
[J ~"-- - - - : 0' 0 no late, rn,," D.a~" Mer CIOMl 01 Etc,_. (C-I'.R. Form P~f ~l tI b'MoIt>, o'OO~ on"
occ.up'nq do nor oCCur;>[ the ~IM lim... !;l"Y<!1 aM Sellal era advised 1<>: (I) elMr Irtkt,. wrill"" o=p~ne,. noul . '"0"
...... :~~~~~n;e..;~~:~~~~~r; •..J:; o",""fNtuol".~hcPrud
.,al)tlIO'''''-JoAtt''' Itt... "., .... CJ' ""'" )o)lftft~. 4-.",owt. b, ~'!"'1 M.~"'''''''''''' etlt ":4~
..,.,•...,•• ~ng l.lJawr..llf M ~l"J"t4,....,w~ 101""",,* C_f)(\.~h1 r 1,..O.. ..,no:
Guyot'", InJtIJ2b (
i::iC'ller~ l'l,tlab -
'1E)
__-
(.-
( _
:;;"""'''U'''NIo4''''l!ot)Cll\l'lo.-.OF,u;Al,lU~.INI:AJ.\,R1GHTliRFS)!'RVED. . R~tM4dbY D:Ll(\ .~=
RPA~J\ R5VJ5r;:O 1010% 4PAGE 1 oro 8t ~~a~UItCHA!:1""AI.;:Rr'.cJ\tliJr,,~_ A fo'; 1 .... 8 ""'''''''.
Allon" "~Y.c ~~..,~"," "hone: 1.;t'OH7"t8~'" x: (310) P...,,~r.. I1"'.'''~ Wl NFOtmll4ll""......'"
8ro~or: G,nl!",n J. CrJl'1l1l RellltO~ l;l3l W~~twood olvd. . LM An C4 ~OO,.
Notice #3
Exhibits Volume B
B-64
Uo~ ~:> u ... U~IU"'p
10/22/2004 15:42 31055e7531 MARA ESCROW PAGE 65

... - •• , lJ1. VVl,.UI.'C""'''''' Of\NI\.t::H;
310 ?71 4634; eC~·22·04 ~:~OPM; PAGE 3
Property Address; "lee ~ ""eck 1i1.,U: P "q;UArly t1;' 7" a CA.......2a..~.tL-- Oate:s=r;c"'b=r, ra01
C. 'Ton~nt-o~"..P;~" Pl'OP""¥' (0) P""!><'rty ~II b" v~ ... nI. 2t "'..., t; Cot 0 _ ) 0!t'/" PrIOr \Q CIO"" or to"""",. ""1"",,, othcnvlM oll""'d
In WrC1nl;J. NQtI) to $au4)": rt yc;JU »I'tt unodblo to ~Iiv~ Pro~rty ".. earn: 'n aceordanu willt .... n\ cor,trot dJt(l.Qther .3pptk~bae l...:Jw. you miJY
b" In b .....ch of thla Ag_,"cnt.
OR -{lIllil theeklKl) 0
T~""m to 'l'_1n In pQv.lO~~lO'n. Tne alllltJlo" ~tldendum 1$ U'COlllorallOd Inlo thl& Atl"'amenl (CAR FQnn PM.
DJ/~9'1I0n 3 ).
OR (0') (I( ""cCknd) 0 Th.. All_men,,,; i.Onl111\lOn, upon auyo, ana seU~ren"'ri"Omlo" W1Jll(ln .~tllO"",nt n:g..,diFlll o"",pancy of tlte P1cpony
within -""""-"PcCi!lcd In l"'~9rap/l141l(1).lfnowrtn"" llll,eem9lltiaIl!at:1led WlI.nlnlhls.time. ,,1\'"''
I;Iw'"or OoUCt1ft>ly ..,n"""th",Ag,c."'cnl
InwnUtI\l.
O. At C.Jo~ at C.,c;ro....... S1l'lt'or D5&tgflti la Ol,lye-r nn)' QAdPh.obtto vJOllTOt\ly nghrs for Items ~nc:'udlld in lJMa $Q'IJ -=-ntJ: liffloll 9tQVtdlf ~ny "\l"..,btbf~ CQP'Ctlil,
ot ::su,:"r, \yjjrranl.IO'$. efokert. amnoltsn'13 wltl not de,ernnne- the ~s:iolQD&OIlRY Of &.oy wart.Git\beJS.
E. AI Cto:;e Of eSC/OW. un~5·Dfh.rwl$. OC,god In wr~lng, !.••~, ,h311 provrlle ~G)'$ en~lor maanB Ie> OJlet~le aU locl<s, I'lalftJoxe9 security .ysw.....
alar~ 8t1d ~~'aQiJ door OPeners, Ir I'rQpr.rty k .;) eondDmin'um 01 IDQt8cf In .a tommQ1\ intAtest stJbdfvf5.ton. Buyer maY' b~ rP.Qulre<:J to PRY :J
d~otdt to 1""" H(J"""O'''''nc,,;' As,aod.ua~ rtt0A1 tfl ObtA1D fw.)'J) to !l:COO':J"ilbre ,HOA 't:lCItk1cJc.
... ALLOCATION Or- C06TS (It eheClled): Un"'", OIMtWiSA $l»Clflotl he..... lhil P"'''OrJ>J>h only <Iotctm>no. ""'0 r" to P&y 'or.M ,.pott".a.peGlioh. , _
or 6etvJee Men1161'led. If l\Dt sper:itJed rtere Ot &tAewhere tn thbiJ ,6oreemeftt. thA dltMnt'lln..-t1ct'l afwha b to pGY 'I01lJny w6rk tec'OMfl'\t;ftded Of idermned
by "nJ .uel1 (epol'. inspeCllon. te:ll or selVlce $haU bll bY ll>e m<:tl>od ... ~olr~ in ~"'o",,,h 14D(2).
A. WOOD OI!STliOYINC "''':8T ,,,,l\P£:CTlO,,:
11) C! ~yer 0 SeUiltr Shelf Day for dB In:.pC'dion ::md rapert for woOd do~tJo)ling pc6tA li1~ o'9.f')~S f1'tepon'j which c:haoll t!e PP:PJ,~
oJ _ • a rcor5tere<! ",,"uccursl pest
ContrOl cCl'flpan)'. Tne R.eport shet' Q)"Xl:r tf\e B'O:Qe99lbteo ~r&'" of tho rna'" huMlng and trttJdlod £'Uu:tu/&S and. 1f
ched\ed; U Ch:J'l~Ci"VD 9&r~oC", :inti t;:;arporb, Ct d~LActt,.d d,pod\'l"', 0 th" tol16w/ftO c)(hl)f l'J(I'",ewJft'\ 0' "rO(J!$
. TIYo Ao""rt '''''''
~d~~-pmPbay~ a oonoomlntum or 10ciltetf In (l cornmop fnteTv5t ,ubdMsron, tnO' Report 1Jhall fnchJdg only it'to
,gp.....", Inlo",51 'Mel any ,,.au£IVQ·Uuo are,s beIng cr~n*rred Mclsh!lll hollnclua. commo" 'fl!Q~. unl""" otllP.lWitl4> ~~'''''d. WAIN" lo,t. i f
.,.ht-wof' pr1tttt. al'\ tJ(J~1 ~V~I tJrtlb I'Nl YhOt ~ perlOm'l6d wlth02l! eonlent of Ihe own.an: 01 prOD0rty tv~row tNt. f.~t
OR (2) lllI (It ellccko<I) Tn.. atla""acl .d<lenq~lT\ eC.A.o'l, ~O"" WPA) nog.rdr1ll "",,0<1 d~.r~ng pDot Inspaalon and .llociltlon of co!)t Is itIC01)lOflilCtl
mto 1/)1$ Agreement.
Il. OTltER INSPECTIONS ANo ~ePOl<T&:
If I 0 !3IlVOt lJ .$rIlior .h,,1t ~llY to hlVA 4DP!lC or p,IYAlo ~tw.O" cll.p~.1 "-lI"lG_ ;""ll"OfOd ...,- _
C2) 0 I'lu,,,,, i:J Solie, ~h~1I P"Y '0 ~.vo dotnesbc wells tasted fe, WBler potDDWlly end PIllC1"ClI~ny _-:--:- - _
(3)
(4)
LJ C"'....)'~: t.'l !:e:t~ICt" oh.;a.ll PAY for a nntutal tlaurcl.l~a~GJltSu(4I fapOl't vrePDrB,~:d~D~Y~S~..~2~2~e~r~f!~,C~lJ~O~L~C~~==========
D avyp, 0 1:~'I4" ~hofll"'l' (", ",,,doll_Ill? "'opCCllon or ~p"11 . ,~
..
c, ~b~~~9;~~~~~::rT~;~1~~R~F:;;evo" o rr_Obit - - - - - - - - - - - - - - - - - - - - - - - -
0 Buye, Q1I Sene, shall pay fo, 5'T10~e detecto' InslAWatlon "rv:!Jer woo"'r ha,le, il<;>Q"Go If mqulrad by I.&w. Prio' 10 CI""" Of' ~.U"""". :SaUer
el)
$h~" J)1'OV1C1A 8uil;'r 9 wrlttt'n r:;t;:Il"ltf1l:!"l1t Of~",pljt.no:o In iI.;:CO~rH::pt wkn c.t:;I~ and 10C6. t.:.w. l.I~S oxetY\t)l.
(7) C! ~UyJ)f OJ Solllfll:l' 'lCh..,·d' Pl'llV th~ oo5t or G'?"1pb.Dnot"' witJl nI'TY olhr.-I" minimum J'Nln12l)torv !Jov"mrtmtd mtrttf''' :.tRl'tdnfd'p, ll"rt.Dodiol';Co ~D
r.f!lpc~ If f"J~lurod ~:: condit.em of d051n'IJ (S6C/'QW under lIny law. _
o. eSCROW AND nfLl:'
(i) A1,t~ (E!Ho\det
aa FOCIO'tN' ch:tll be- ",",~c;L.;Ci..~~.~'C..
....
S,.,IIt!r Sholll).:ay c::c.etow foe. ~:I,i(~;:~.b~,,~Y"'~r:t~:,,~d=.1:/:2~ ~~1:2:tg::=::;::::::::===:=:;::;:::;===~==:;;=:
.
l2) 0 'Ioye r Dll 6'l lI e r .~~u poy 'Or ownor·,. "lIe In~U!Dflt.C polley .p~ad In p"r~9,aph 12 ~~~<;;~Qy!',.mu.. C"J.IJaYR_ .
OWner'~ ~lle potlcy Ie b" '"UOd QY _ _,...,....-,-
(Buye, .han Poy '0' anylltie Insurance uollcyln~ul~Iluyc~" lender••n1~.. o"'on,,;.., "lltccd In writing.)
.... O'll4"/'( CO::T~:
(1) C. nuyal "-1..11,. ..,..,, ""1 CuunlJ ,...
~ or n.r.:",,~ ",~n"lcl f~" .~- - _
(2) 0 OWOI Oil .roll p.y CIt)' l/"n.I","'o Ofltllns',n lee
~ollo' 0 _
(3)
(4)
0 Ow", 0 Sollo, .holl pay l"IOA tranll1"ctfe"• .,--c--;---------------------------
0 Buye' I' &Ill., .""11 ,,~y HOA (l(>Oum.n'onI~ ...,D" fOO$ "..-------------.~;__::::__:7::_:_:_:__::::::::_:_::;:
(I» C Du',,,, Cit S,,".., .hall pay tha CO",. no' la ~lfGIl<ld S .35<1 QQ • of" Ono'yvUI h"",c W."'il'J1Y pl;n.
i&'ued byF;.r....C =,,~~~...Y.a~~""n'_"r.""1:"'D"'..,,:u.... __ ~, _
with the following oDtiQt1~J coverage. - - _
(6) C! Ouyor 0 Sel'e' "'011 P.y /0, ~ •., • _
(11 D EloJy'" 0 Seller ~".ot' l'.Y 'or ......__ =__
::---::--::-:=,..,.==co-:--:-:~::_==_:_:====:::;_------
5. SYAYu'l'ORY DI,:\CLOSIJReS UNCt.IJOING LSAD·BASED PA'JIIT l!A2ARl> OJSCLOSUJU;!l) AND CAJIlce.LATION RIGHTS,
A_ (1) Gene, ~hall. WJTh'" the fJmc $pecirJed In per~,gI"3.D" 1.4A del;,,!!r to 8L1ye,.. II feqr/Jrecl by l;Jw; ,I} f='oOdof"",1 L"..a.BA~ P:lint Ci'5ClosurrrJo W'IId
P.:lmp"klr: \u-ad OI"I(I"I,I!i"'lq: Ol'td tU) f:Jt:SoCIOSUrftfl Of nQ\~ requIre" or
~onp 1107. et seq. anc;t 11m~ ~,afthlJ C ...\tfornl-a !;hIllCndo
1":';\~lntory Disc:.\Oau~Si·'). Sti3t\ltl.1l'!'V OfC.CiOl'i\lfC:'1 Int:lvdo. ttut em not IJml[(Jd to, Q RoOI [.').1.:100 TfiJnr.'er D~dQwn: ~tatem&nJ: rTPS"). N'uWr-211
tiaza,d Olsclosure SUI1emen1 '"NtiO':. nOlle" 0' octu,,", i<r>owlodlla of '010.0. of IleO.1 conltolJod <Ubo.u"""•• aU"" of "pOUI.! 1:1>< lOI'(JIur
""s"•• ,,,.,nto (Of. ,f auQW80. l'llostantlauy ecluiualent notice fllJJardlng "'C Mello-Itoa. Communl17 Facilileo AQt and Im"",""""'nl 0""" Act of
1'>1 St untl I' :;aue, n... ActullI kMow"",ge. 8n InclUSlrial ~811na mll/1:)ty ordnance locoU"" (IIsO)sura (CAR. Form SSD).
12) Buye' AhaD. wnuln lho limo opo<:iI"ovuln /)iI"9"P!I 148(1). tlIlu,nllJOnctl CO~le& ef,.c StoMO/}' ~ Loml DiodO!\u",. W :><>1"',
(3) in 1he wehl t'i~U.r. ptiOt In Cla-.;e Of l>:'\CfOW, ~On'lt), "WDfIC Of tl(IV(\"4C Cl:Jnt,fJtl.Qn" ~ruUIy .::dfeetln9 t110 VrOf\Orty. or .any ~b!"'lIl
In."u'~Cy ,n (lISc!D:>ule&• .nrDrmatlon Of repr,~malions prsulou.l~ ptQYloed 10 e~f of wtlld> ~uYer I. olhcrw~ Un.WlIIl), SClicr
",,,,,.,p\ly pro",<,~ a .ubooqucn' or ''''''l1d<rd clr'<I""llte Of not...... in writing, _erinp tho'" ltem••~o_v.... ~auenl: or _"de<!
"""It
",,,,,I,,,,,)", ~MlI not I>n "'qulr<td tor <ondltlon..."" _,i.1 rnllCeur..cIQ~ OmCloM(llft rtlpcr\S " ~~
eUYOf.lnl~lll. ( /7" ( ~
C.""rig.''''''O'.'OO' CAUrORNlA A""OClATION OF AO/lLTOR34>. INC
A:PA..c", REYlseo t0102 (PAGE 2 OJ:' A)
Gel!e(.lnllfbl:> (
R~tJ bot I
z:: P~ll' H
I
=
~~;;
CAU"O~NI'" RFS'Ot::NTIAL VU>{CHASl' AG~(:rJ,1I1.1'l'r (RPA-CA PAf5'l: 2 OF n) "f~~ROl'O 7.1'>;
Notice #3
Exhibits Volume 6
6-65
OO~ 25 04 05t04p p.6
18/22/2804 15:42 31B55e7531 MORA ESCROW PAGE Be;

- -< • • -.. ... _ .... w-n .... '"-t.- ""r"Iol"I... ~n t
~10 271 4834: SEP-2Z-04 3;51rMj PAGE 4/t5
Propel'{)' Addroljl.s$'.32Q.......lL. T"ecY Dr;"'c ne,VU:;ly:'" 1 .. ;OJ en 2Q 2 U D~w~SA$~c'" :mOd

(4) t1 any dlscto~ure 01 notr.e-- ~fi4l'd in .sAC1;, or alJ""~UC)nt or:amend«' dMIOerVf\C or nMjoo ia <loo\l8rod ro Duyer Srgneo. .'.J\f:: otIef' b
I)uyn, "",,, ~o"" 'hO n!/'" tv ..."""II~~ AQ1V"rt"",1 wlll\;n 3 Day", NlQf cloillrery In pel'$",n. (lI 5 0/0)''' Nttt ""''''''IV bY "ell05~ .. !tUl mod. I:'i
!/lVmg ""t'on nobo. of Qnc«U,,1JCn 10 &,nel or SEller~ 3p"nL (lea" Di$C~uressent bY maB moS'l be sent <:ertIt1ed maD orbett..r.~
(~J IIIow CO ewer and 3.;o110r; Wolver Qf "_lOry.oM Leoo OiulOGI,l_ is prolUblte<llly Uw.
B. NAIURAL ANO eforJIRO"'""ENTAL HA1'..AltOS: Wlthin tho 1hw:t $p(OclJiDd In p"r:::tg/aph f4 t z.e.1~, ;.h:al. If t'~tI~.d by uny; (_, dtCttNC"U" \0 O;\I)I~
l!',:,tU1qU.,k<t f1uKtu iftnd 'Qu~IOnn:lfro) .t14 .nva.:onmont;JJ .h.32D~' J)Ooklet: (Ii] ~'l., '~.If"ll'Ipc In)m tho Obll~U~ to f,Jr'9Y.ld. It NHO. di~'" tt lht'
P:-o""rly ;.. 'oCllID~ .n ~ 6p<:<:'.' flooa Hozoo:f Ares: Potentla'l'looalng (.mndatlon) Area; Very !'flail Fire Hazard Zone: S1.olo "'''' _po",,)bmly
Are~: !:Drlhav,ke " .....11 ~o.o: Sf:lami. H••at<:! ~<nle; MQ (iiil llisdose any (ll/19t :tIloe lIS 'e<lul1ed by U>w QRQ PlOv)d" Any olt>er info",,"'.!on
rt"Ql,llred fof' tho:;.'!'" 7CflC'..'
C. 0 ...,.... DASt: OISCLOSU~r.; NOne!;: T"" C~bt\)fnl:l OeOllJtmell' of Jv.~"', ~hot:f" dop~rtmon!" pclleo dep.o\mcnl:l SoMng lunsdrdJon. 6f
2'JO.OOO Of more ana many OUle'local I;W cnlOrcemc:nl aulPlOrt"'" rnaintnln for public 0-"" .. dchl ba... of \hI IoCdlJon~ of p,'olOOfII' reqWe<l 10
'eglSler pun;uanl (D paragraph (1) Of aubdfvlslon (a) 01 Section 2~D.4 of lh<> 17«10' Codo. The dala ""~"t 15 llP'laled on a Quartetly ba$ls and a
.ource
0' ,nlo""l'I>on abOut lAS .o.",~n(;H 01 \he5M irld"rvodVal9 In any nolghllorbooo. Thl> Do~nl 1lI JUllliO< 01110 //l.\itlrAIIlS ~ r'''''' Otf""'d~'
lo"ntrf t;rlr(Jn LIM thfouon whiCh mq ........ bb",,' n>drvldual> may bo rntIdo. 1'/lb ,II a ,,\)00' lClophOI\cl $l'MOit. ~I*f;\ mvlllll/liiO _c.f>Q ,nff)'fT'(Ioon
PbOllllnd'vldvlIl:lll1Oy J"~ dlOcl<l1l9. InfoM'l\lltOn "'g~rdln9 IleIgl\llomooClS., no, 3valabl!!,lntovPh the-900'lellll'h0Q9 SQrvlcIl.
ll. CONOOMINIU_lA~NF.t>\lNIT osve:tOPMl:NT DISCLOSURe<:
A. SF.I..LF.~ HAS: 7 U __. I.,. ) 1l"Y~ Afln/' Acoopl<tnCle 10 <l,)d"'IlIO l!lwor Wl'\OlllOl thll Pr",Jl&'b' Ie. 3 COndomInium. 0' '" loeoI<1d VI •
ptdN'lod Ufl~~ dcvafopmem Of Other cot'J1fl"Kln mroNCt "UOON~IOII (CAIt. YOI'M S50).
a.. It rna Prcpeny " a condotrllnlom or is JQca11!d i" ~ pl.)nned ",n[J dQtJnlop,J"Mnt or otbor cornmOl\ Intof\l:.t ~'UbdrvJ:'lc.n.. .!A:ldcr hss :) (0' 0 J
""Y$ flrlll' ACotPlanJ» to 'eq.est frb(l"llll~ HOlt, f.CAF't Form HOAI: III CoPies 0' ""y <10""_ ""lulnl<l by L;ow; Iii) c,",""UI'Q oT iilny p"n<1ltJp
or ~n~Ctp;>\.", eli''''' 0' 't'91'1''''' by or iillWl1$t 1IIl> HOA: rill) ~ .w.beman\ cnnlnlnlnQ thn rncm;on "lid numkf 01 clo>lpmnecl p"""lIg ."" ~,or~g"
mp~r.n: rlv) CQp.." 0' """ mC~I·"'""nl 12l'11C)tl'~~ 01 MOA II'llnutes fet "'lIuler anlt .peo.al ~"tIjl.: alld I~) Ina no""", Ond CQnlllCl.nform''':on 0#
.n HOA:! govo'Dong Ih~ "'cp~ny r.:one-.ry. 'CI OI'Closure$"). Sener~oU lIemlU enll delivGtlQ al,lyer an CI D1soosu",. M<>elved from th., HOA
.nd any Cl Oroda.ute. ,n Gelleo". peMo••lon. Buyc(. "OC""'.' 01 CI Olsclosut•• ~ 3 COntingency of \tol. Al1l'8ement "" eooc/li"" In o'''''p'''p~ 14.
T. CONDI"J"'ONS AF'Ft:CT'lOO f'ROf'c"""':
A..Uf)l~~ O{"OMI~ ~prooc1; II) rho flropNTy .1IJ 'SoOta tu) In 't4J PRF.SF.NT pftyo.liQ.lII) c,o....dIOon ~tf of tho d:Jte of Ac~ca iW'ld tbJ oub,JOOt to
auyers In"""rigatlon ,19111«: (ii) tht' P"",er1lo. b>tIud,ng pool, 'pll. "'nd:'.~P""O ;:ond "lOun"~o is 10 txt r'l\a"'!s:n"" III "obS1a.llBny ~ ..me
<:onc!J~On "" on (he (laiC of A~pt"nce: and (lij) vii d"brl~ and o=onsl Pl<IPOrty 1IO.lncluded in til.. sala ~""n De tel"CWlCl PV ::ICM Of ~Cl'OW.
s. seLLE~ SHALL. wlt"l" the tIme "Jlf'Cifipd ,., 1'...... 9"'1'., 1411. [)l<lCLO~G tufQ1lVN MA'T1lIUI\L FACTS AND Dl!rEC'l'So lI~CIlIlll 1""
ProP"tI)'o If\oludlng ~no_ IMu-.nco claim. willun Iho P~$. IIv" y""'.... ANO MAl{e OTli!!R llI::eLOSURf:S Rl:aUlRto ~ LAW 1C-A·R.
r"rm ::SO).
::. NOTE' TO BIJVbR: Vo•• 0'" "wnpl)' "lly""" 'l4 CoMuct 1MhlbLoallo.... 0/ the en~ f'topotrj In crde<' to _.mlne lIS ~t conditlcn
Sl""" SOlie' may not 1)10 ,,_~ or <'II ",.leW< ,,1f..etI~ thl' " ...pony or otturr ra-..lhot y<l1J cannld., Irnpottllrnl.l'Y'OP<'~Im""'~<>R'''lnL~
m.sy not ~ buDt .:.lIC,c.Mdlrlg to- l;:odo. in c.ompbdnCC' wltb ou.m:-nl Law. Of.ha'Ye hlld peM\1I:J'; 1R••ue-d..
D. 110.,.... TO Sl:.I.Lf,It: tluy"r has'.... ng"l to ,nspeel the ProllOtJ¥ alld. as spACIIl&a in If"I'agraPll'''a. ~d upon lnflJrrmtllon di""cwer«! In
Ih~ InSO_oIl5: (i) C3l\col u.:,. Ag'eement; or (0) tcQU",.I_~ou1l'U>~ Rvparr'S or 131<" ottler a!>tion.
S. lTCfd':, INCLuoeD Al'<D f!XC;lUO£D:
Po. Plon: TO PU'it!'~ ANO nn.l.efIt: 'tom' IJc.h!'d ~~ lr'lollJc.k:d or lI':ltdUdcd m \tie Ml5. 'ftyer:s. 01 rnorH'f'tin-:t m.o~rlat~ IU!t'o "CIt Incb,id~ in thr:-- tJu,-c:hpSC'
gnCO 0' ~XC.l140<t 119n1 tho ~tl~ l,If'll¢:I:J. 3ptlcitl~ 1ft :;Ill or C.
9. ''tE.MS INCLUDI<D III SAU',
(l) All CXISTINO I;.. ~"", and r,tIIn\j<llh.t .r~ "".oIled '0 tho PropellY:
i~} ClCl"..:ttnq f)1lltC1ra01I. rn""tJUlnl(Jlr. tlQhllna. DlumbmQ ontll t'\.U:i:lUng l"ixwroG. CAS'lllng rona. fJtCllp1,)'OM tnecm.. oc.c Io!fll gnd f)/lJU)'t. edD( er...tcm~.
bU.n"ffl 8pl)llan~e:s. WIndow .and ~Oor $t;feens. aW1li"o~. ehuUco. windOW co"'~go. at1Bchod "Dar t:owring~, &!levJsiQn .Q,f\tentle:J. S8tltU'lc
d11l1198. prtvat6 fntegratQd lelec,nOl\e DyJ;.te*'"$. air cool.e:rW'CO'ldJtloner.L, pQOVt::pa equipment. gA'~D' -doc.. qpgn~:1iIf'tlIrnct51 c;:ontl'9b. rn.,llbo:l:.
1I1-9IOUn<J I;nOJicaclllQ. lree!Clf'hf\.lb5. wpbl'r wl't..,~rs. wOlt~r 'P~ri1iRnll I:~U"rty ~y~Ivl'\1$1a~:nnd
(31 "J"M 1n,1"""no """',. __. . . _
(d) S4!Lrer rcpr.. on,~ l~ ,,~ ite"... IndudCd In lh" pUrdI""" pnet, unl_ OlJl_ ~pI!01'eQ, lire OWIle<l ~~ liell!lr.
(0) AI Il.m.lnclu<lood .hn' \>I' tRIn.1ArrO<l_ ef'ion••nd WlInou. 0011<01 Wlllt.nty.
C. ITEiMllrXClUOI D >'ROM SALE'; •_ _ . _
§. BUYER'S INVESTIGATJOiI OF PROPERlY AND I14AmRS A"FEcnNG MOF'ER:TV:

A.lJuyerc 8CC'tll"'nce of t~g conditlot> Ill. and .ny "the' m"tt<>r ..frectl"ll lirA Properly... " ""nl~nnC)' of th~ Ap"""""nl ;I. 'I""'.;n«/ ,n till"
~T;,rgu'ph .:Jnd p.)f~~fpph 14r..:. W.tnll' lht:o IIt'l\l; ~PeC.flttd In 13.a(~9r-aQn 1'40{1)~ l\\I)"vt ..1Udr ....avr.o tho ognt. Dl ouye(~ tt)rtlOn:;c unhY.,.$, Ol,\OfWiCo
"ll'ce<l: to r.otlau<:!Ill¥<lC1!OIl£. ",veslig8~ons. tllSl$, 9UJVeys ~nd other slUdles ('Buyer Inves~gDllonI>1. InclUdInr.l. but nolilmiled 10. !he right 10: IJ)
m"Pf!C1 fG' ,ea.·l>a$9<l P''''' and Oilier Jcad-Usoed pal... n."","s; QI) In."..... to, woo" C<l$Il"Q1Iing ""~ "ncl o,g;onls=: fhll _ _ 1Iw! ~M.'''''
tlC~ O1Yunoc' tt.::UOOOD~~ nv) contlrfW'\ the' IntlUl,,';)tldy of S~t .ot\d 1hq. P,opvrtv: tmd tv) .a"~fy 8\JYM AI: to ~ n'\lrtt~ ...pncit~ in thl'l 'PtW~
Ovy.r'o. ,n~p(!' .."on Ac.M;\ory teA I? ':::Ofm O_,QJ, Wlhoul.!'lolJo(, pnQr' wntrQn coneont OUyer ts:h.311 noltner ~ nOt IQ:IUDa to ~ tnQ~: (i) HIV":1l.... t;:
0' cestruct""e BV}lll!!'r th 'l'e1;li2.a\lonlo: Of' Clf) Inc~crionc. by ,:.ny go.vclnmonwl butldlnS or .:toning ttt.:lopc'G't01' Of 9Ov~nl -:mplQ-YOo. unltt$& 1C"q\lltcd
l>rLaw.
S. Btlye:r shalf f;Qr-,p~te 6uyer t"Ye:st~'J1-,onJ't Oftd'. lit"
spe'clfi.l!d I,.. P;ll'.:ag~ph , .... 0.. l"CIrl'to,"" th~ olO-Of'tI~aocy or GtII"locl thleAg,.gQmern(. Duyot ~hofl Owe
'$Cllnr :U. no CXJ£.~. cem"len, C?PIl"l~ of _JI nUVor 'nve.t~ioJ\ ItJ)O~ Obtuil'lC"et by DU~gf. SRIJ,./, nhnU t'r'U1k;' IhI' Property Q.vl:rltbbla to( "II 6we"f
.£l/
InU\O~t'O~I"')n:!l ea,.,!" ;:r,flaV h.we W.Dtllrf. 021$. ete.c:I;ltCty ilt'ld an open\b)e J»rQC: flgtll$ 011 tor Buye(5o ,n\Jo~.ticH"$ 8l'tA1 \hroug-" the t:tete ga~c;cion It
n1a.d~tW;()I1:11bJ¢ to Bu~l'
F1uY"'''ln,lr.lio( ~!.
C"""n~.'1IiQ19~'·~OO2 CAllFOFlN,AASSOC'A110r<O' 1lr....LTOFl!1'i>. INe. ==-~).:.(=:;;==-:...,
S.JJor. '''''''''••(;.;;;=;:;.......
Il,.....c.. IlEVlSEO '0'02 (PAGE 3 O~ 4) Il~ bv 0.1.
CALI.ORNJA RF.morNTrAL PU~HM1F' AORF.I'MFNT \RPA·CA pAc;e 3 Or' ~)
Notice #3
Exhibits Volume B
B-66
Ooe 25 O~ 05105p p.?
1B/22/2aa4 1~:42 3165587531 MARA ESCROW PAGE 67

oel..,. ~r.: UULU'\I1-.LL. CANKeR; 310 271 4834; SEP-?2·04 3:52PM; PAGE 5/15
1G. Rl!I'AIFcS, ~c~"'.. ,""'1 ". (XI"'l".ted ."0' to final V¢rlftcollDn Dr ~11'on vntou othorwl..., .'1.....q 'n wriUng. ~P"rl U> bG peIto"n.", "t S ...nrs
~)'pAftWI m~y I')It QetfOrm~o ov $O"(u" 01" thr(klOh Otn",~, pro"docl1b.at Ih. w,,'"
eM\,,11M wljh ;rppliCJlb10 \.ZtN'. indUdlnO tlQ'llotnmct\trJ! p..nmll &~otIlJebo:\
a"" apJ>(oval requ"em."... Rep",.. snail ~. perlormec In .. gClbd, ~1Ifu1 monner wltlt materlals of quality and IlPp/lll/'ll""" compa",.'" 10 eXl$llng
"'2m.a... U '$ lICld<lmooa mel e>tact rllstQ(alioD of gppearllnce or <::csmelk: Items tolklwing al RepaltlJ may IlDI be /IOSsible. $elle'
roCclPts lor R"".,rs pel10rmed oy OlOers. (n)llreoatt 9 WllUen atat_ent tnClio:Jtulg lha ~p"'r$ Pl"...O........d bV S<lU~, """ the Cl<>ID 01 sue/! Repo"c: .wJ
III oblain "".Il:
t l1l1 P'OVI(S.n COPMSlA n( ~Ipf,." ~n~ ~\:»:{.,Rt\lntllto alJYer D:\Cr to ftn.olvormco.l!Ol1 Dt' QOJ\l:htum.
11. DOYER INDLMNITY AND $l'lI.U:R I'ROYI:CTIOlf f'OR DlTJ.IV U,.ON PJltOPeRTY, Buyer Sh8~: (i) Icf,oj>/l IIIe ...rO/ledV tree "tid de.... ~ 11011$: (II)
R.o3;' ell (Ionl09~ ,,"01"9 from Buye' '"v,,"'19ctio"~' "ltd (Iii) IOO"',,"IIf ~nd hold SeUcr h~rm'c"" I'I'llm /lll ·"""lUng li:Jbifity, dalm:o, d","~ dnmag'K
o"et oo<\$, Buyer .hall """y. or Buy.' ~"..II ",quite ""YOO': QOiIlQ on BUye,', be"'" 10 """Y, "o~eil>ol cof Iinbillty, _.l",,~' tomp<I"$~DD ~nd olh~.
OpphellD'o ",Ou'o"". Ooro"':lI"O Dnd prD\elct!nn S!.'I'-r ~om "ubtl,ly ror tiny In!ut"'" III pot(.on9 or pmp"fIY o""urtil'lll dur"'ll arry Buy..r InvMllgobono or
w!)rk dOne on l"O PrGpr.rty JIlt FluyAt'~ dIrectIOn a:mor to C1050 Of r~orcv.r. 1;;;gJlcr b odi"ht~d that a:ntarn protc:c;:uons IMY be: btrlX'dr:JC1 St,)lIbf by ~j"ns fJ
'NQlIce 01 ""'".,eopon.lblilly- (C A.~. form NNR) lor Suyer Inlle$llgeliOlls .nd 'hOr!( dOM on \he l'rolHlr\y ot BlIl"'''' (lI....o"",. 8ul"!'fs obl,</"Uon.
una.' til", aarap""," .hall SvrvlVo 1M 1f;rmlt\.'lOn oftnls AG'l!""'etll.
12. TlTL., ",.,0 Vl<GTDIIG:
J\. \Mlnin I.'" limo r.pecrriD(llo p",egr.>ph 14. Buy", maU Ix> p",v,deO 00 CUltcnl pl!thmin0'Y (filko) report. wIlf(;h ,. only an ofter I»' "'" W. """,rot 10
"'.uP. D pollc\l of till<- In.u,anco "" .... " ~oodlng.n~y of llll, Agreomena "C ~p~C1$.~ In pa'''9rl1ph HS,
6. TIP~ 1$ lak,n In liS P't'5cnl t:l'l'1O,POD 'U,hjeCllo .11 .nc:umlll'1lln""•• "allGmonts. """"":lillO, oon<litiDrl•• ",.Iridlon<, ~. Dna ql"",
1fl;l1lOC>. whclh"r
ar
of 'O.;Qrd 01 nol. a. of 1M O~IO 01 Aa:epl;lD,,* t:l\WpI. II} mOD~\lI'Y II0llS ,CtOm unlCOS &yer i$ 0"4VIllIl19tl103<: obugauons or ~king rile f't'opIlf1)'
~ubJ.Ollo lMW ubIJg&UOns' Md (,;) l/losc maru:<s wniCll Sellel has ag"",," 10 rem...", III wmsng.
c. Wilhin Ill. tim<, ,poo",oc! in ""rag/llp" 1.. .<1. sene' nallO OUtY to diSClOSe 10 awe'
all mailers Kf10wn 10 Seller affecti'IQ whether of """,ra not lme. or
D. AI Clo~ Of C,QQW. Ouy<>( "".., """';,It, " g"",! <I~c" con""l'Inj) t,l!<! (0(. {Ol olClt.l< ooop......l<VC' or It.>ng·U1Ml 100(>(,' "" "'~l\l1"mrn\ of .~
~rtd'~Y." or .,! :a..,lt":'f' 1C'.Q~ht,lJd mt,QfO"d). lncludini oil. "'''CJ'QI end W....lor ftgfJb I' c:urtontty Ow'l'fl'\O by :;;..I,,,,.
Titk1 'Jl\QII "'cr.':.t ,),:1 dC;-3>I)ln.:ated in
C>u¢. ~""plo,"onlal e""ro.. ,,,,,lfUe\.o,l•. iHE MANN!:" O~ TAKlNO nnE MAY HAVE ::>lGtjlf'JCIIN1 LeGAL AND TAX CONSI!OUI:NCes.
CONSULT AN APPr<OPRIATE PRorESSIONAt..
e. guyo, !'}hull 'not'l"". ::t CL";"AlAL'rA H1orne-ownc;" Policy or ntlo fll6ur:Jnca. A titJo comp;:,ny• .,. Owcr.e. ~ e:ttn ptovtdO in.rormalJOI\ I!lbl)ut U1c
aVRJ1::dJ1li·y. ';e.1llr,,1;li1Ity. COVC':'r.t~ • .:»nd GQ5t of VMOU'C litIS ineUfOinrA t:DVO"49~ 4rMt «tdomcmcn'"" If auy.r O&:sifO;) lith) OO'\ttJt~c DthQI' m6f1 tP\l:t
ICqvlt~O by Jh",p.o'~C'''ph.0"Y" ,hOIlI~.tfl,GI Esc,ow HD"'''' 11\ wrrung ona p.y My inI>(0lI!J(1 I. DO.\'
13. :sALE Of·I.IUY""·~ PF'OI'I£RTV:
A. Thl> A!lf'lOmoDl10 NOT co",mllonllrpon "'e ~nlo or any PIOPetlY "",n.~ by flU)'C'.
O~ fl. 0 (I' Chnekndl' Thr Ol'.lItMd {\OOl>'\llum (CAR. I'OfJ'll COP} r~Ob~ng I"" oon6n\lCncy for !be nalO of Pll>llo<\Jl ,"",'1,HI by Ouycr '" mcotl>O'alN1
""~o th,.. Aar...\lJlrJlCnt
u. 11Ml; PlOItJOOS, REMOVAl. OF CONTINGENCIES, CAtJCO:UATIOl-> RiGHTS, T,", '.,IlQowfng (lmo pu\9d$ .....Y .,,,ly bo D_dCld, .._ .
modified dr chlill"tgod by l11\.liul'f wrltil"n 31rl'ooMtll'L Arty fClmo.,;J of COP'tInogenr:loliiJ9 or c:mcnllDtlon undor thin par.>gr:»ph ,Mu"';I bit h\ wrll1ng
(eA.fl, F"..." em.
A, SLI.I.t.R HAS, 7 {o, CJ }
OafS AlIe( A=illnt.e 10 dell~r 10 ""Yet "II ",pOfl:>. (l,.c1O:ru,""" '''''' ,nlOrtnlltlon 10' wn,d> :;elle( I.
J'lespon"nls under paragraprU1- 4. 6A and B. ~. 1ts Ana t:!.
u. ~1 ) I3UYLR HAS: '7 10f ~ __. lOl>ya AlIo, AGa:plIlnC<!, ~nl." Ol/1<lrwll;O 'gIO"" In wHllng. 10:
(f) c.¢'l\J}flt'l:l' \)11 UuyO( In'»P.'J)ti9a'Uo~: aOO/O~ .;III GUu:iot\\l{Otl. mpo~~ A:rd Otbol" folOPliCIIDfO lnform.-"liQn l Wf1JCr\ Buyer ~tve~ f(gm :iellot; ;\11(1
npO/Ovc :m I'TlBncrr.. al1p.ctlr1p tnt' P.rlJoertY (rl\~uaj"O lo~d-b."'-:d' I)vint olf')d ;~od·balilod ""if'll "~8rdt .. ~ 'WOff a~ O,tlN inftHM'iftiOtl f'p$cifled In
par49~U~ ~ and Insurability or Buye, and \he Propc<ly): ,,"~
iii) 'eturn ". sail'" s,gne<f Cool"" 01 SlatulDry and t.ea<l DlotlD'V"",, "ollvered by Solla' In "ccottf~nce wlth '''''''9r.,,'' SA.
<Z) WI"," tnn time ~(*'O in 140(1). euyftr m::lY re-Qu,,::.ttnct 'SoU(lr r'YIok.O ,.qpllltCo -Of t;.koiJ any other adton mg:.rdJDg' th~ 'Proptlrty {C.A,R. Form
n~,. GeJla, hd::l- nO oblia"~lon to agree 10 Of 1€:6t)OI\d 1U UUYI1(.,\tQUd}ib,
(3) 8y Ul~ i;!'nd or ~ t~ :$ptlClfiu:.1 In '48(1) (or 21101" 'o~n conbngoney or ~J tor apptats.bl COntiJ1gent;t), BI/yet 5t'41U. In W.. iling. t.amove the
~Pplicabl. """."geney 'CAR. fonn CR) '" eancellhls A(lteemel1l, How""er, il rne follOWing mspecllone, rePorts Of dlOCfosures a'e not """oe
wl,nm tho II""" "'D'eOfl..<t 'n 1-4A. Ihltl"!' 8uyor h¥ ~ (or 0 ) Q:;I.yJ:. "It,.,
ciACtlipt or (l.ny O'Jf;.'t\ Itt-~. or 1l\C:t ~ t4>odr",,, ,n
,.(n(1j_ 'Whlr.htVttr I': lalnr to 1.n-lOw:J ·"'IJ
=,pph£!.Jblo c:ont:J~8ntY or ~t\CbI th~ ~n!I"mc"t ir. Wl'thng: (I} govemmonr.-m.Dndated IO"pcctlons or
",.crt. "'Clul",d ~•• Cond~lon of cllY.lino: or (.l) ~ '''''''- Olsdosu.... I"'I~t to por"!lreph BB.
c. CONTINUATION OF CON7INGF.NCV OR CO>l'fRACTUr\LOBUGA-nON: SElJ-ER IUGliT'l'O CA.Na;L;
(1) Sell.... n!lht to CAne_I; lJuyv' ConlJ"lIo~v", Soli"'. anv' firnt QllIln~ Royer .. flotirx> to Fluyet ro f't,ItMrm (.~ ,pcdfJed b<>low). <My con..,r
ttn~ J\9teemcr,r trI ..I,mliI"\9 und .,uthon:ec- (<:lum of n~($ cUrCOf.:JI{ it. b1 th~ btnl9 1SPtlC'lfltu;f an ftnlio AgnlUtment, Duyor doe" not remo.VG in \It'fU11\9
,"" appIi""bl. CQ'lllng.ncy 0< ca~""l 'hi, "",1e<l_nL OnGll all ccnltngenClOli ,,"vo Dlf<On lUmovell. Iavure 01 Blll1llr tluyer or Sellet to ClOSe
85C"Ow on tlMc M:lY be ;, b,e:u:1l of t,..~ AgTCCrn&nl.
(2f COntinuoiItion qr C'OhUng.onoy: cvor. _n.Pt' t""
r."'OIrlltiOn of 'ha (It'1\tt ':)I)q(;lf'oO In , 40(1), eltvol' JltttIrfla. U'lo riOh1 to mQS(or .-qu...r:P 16 3ctQcr.
I'fUntWO m wfrl'U\O IN" lIJ'1pr~bl'" oCOf\htlOC!tu:V or ean(.4;ll tin.. Agroomol1t unbJ !loOM Clncftr& pUrou.ant tQI '1"'C(1). 0n00 I)Ollor ,ooolvo£' .Ruye:r't:,
",r41~D removol of ~l/ (;l)nUn9~ncle•• $0110' moy not esncer IhlB Aureement pureu.nllo UC(1),
(3) Sctfl.r ri'IJ'rt to C:;u"Cftl; gUy~r Cortlract OblitIGtlonft~ an!Jtot• ... ftor fIMl: tJfv1ng Du~r u NotICt'to Buyer to portonn (.:.:. .s:pocifted balO'N}. m:llY
Cf'nc.ol ttn.'\ oI\.:)ll)Cm~.nt I" 'W1'IUtag ......0 .ulhOfll..e f'f1tI,l1'O or Uuyof"3 ckQ~r -Jot any or the followln.Q 1~': m If Uuyc' rllll" 10 c1('QO!rit ftJndo ,1).'
r~Qvl""O oy 'A 0' 20. (Ill 11 In. Iv-c, c"po~,roCl PU"'lJont 10 2A or 20 =_ OC)(><l wIlan t1OP"'~: (ib) ~ Auy'" t.,,~ \Q pro,Mo a 11)!l'" ""
requl"'d by 2G: 1M If Buye, t~lI~ to provkf" wrlficatlo>t a. requl,ad by 2H 0' 21.: Iv) If Soller ",~conably QI$lIl'I"Oves ollhe v",""",Uon ~'OYl1led
by 2~ or 2L; (111) if Buyqr ~s lo leW," $t;>!utOry ~nd (..gaC1 Ol!dQSlI"'I~ ~~ reQuJrP(j by p;;I'1tOr.Jpb 6A(2): Of (vil) it SOy.P.r ;ans to ~n 0" inaJpl a
:!.t'Pi'l'iIIM llOuld~tQd d.oll"nDQCt tOI'l'Y'l for :m Inerel:l1;od d900~lr Ill') roqufMd br p:u.:qJr=ph 15, !'.aIJAr ~" not -'l"ircd 10 Wve nuyer .:I Notice- to
"'ur(otrn f'OQa,du"tq Clo:tt: ot ~c.I'O'\N',
(41 N01,OO To eI"yerTo 1'0"0"''' The NObtl>to lluYef!.l> l'et1Orm(C,A.f<, form N"f') Sl\all: 1Il b~ ttlW,.t"'!l; Ill) 00 &Ie"l!:d ~ 8.0el; u,.." !I1l)SI."
BvY'" III ''''''124
(o' U ) bOu," (or "rllollne (Ill» s~"",t"'d In tno appJiCDl1110 paIB9",ph. W~'~11BYerurs 1<> laKt> lhe 3ppRcallll> "'.1/
00110" A NO"'·... 10 ~vYe. '0 "'"1'f01,,, moy nOI n.. g1von:JllY ~'f1"",non 2 Ooy& P.o' to \l1O ""p~Ptlon ill _ RCOb"~"..,
.;; eol'\tlf10t:lf'\.t!y Of" '.;:ttoeol1J\IS AOroomant or m("ltl.l:l 14C/:t, Obhtv-hon I!J-lJYc"~ In~t14lt. ( )(. ~
r;OOVllpnt If:: 100100200:!. CALIfORNIA ASSOClA-nON OF R~I.'0~SUl, INC' I ~Jror'c 't1lu~b ( )( ) 15.[
IH"A-CA REVIeW ,O/b:! {PAGl!! .. Of O} i..~~~~tJv o~ I ~-::;.=
<;""'FO~IJ\ flel,OI:NTIAL rURCAA:lE "''''RCEMENl (~PA.cA PAGE 4 OF 8) I'6Zg921O.l.1·)\
Noliee #3
Exhibits Volume B
B-67
uo~ ~~ U~ U~:Uop
18/22/2004 15:42 31655B7531 MARA ESCROW PAGE: as

.... ~l ... • Dl: VVI.-Ut:1CI...I. tJANK.I:H; 310 ~7' 4DV4j SEP'22-Q4 3:53P~; PAGE 6{15
Property Addn:~ ]?c n recK .;);1...... ft ~ If.t..Il,$ CA ~Q-U~ £>i)te:SDD~4-..2JlI}J_
D. ""'~~C1 O~ flUYF.R'9 RFJIolOVIIL OF GONT1NCENCIl,:e: II1luyc' rem<>illO ... wnlng, any COIll:''''''Il~CY or Cllflco"p"on ,lgl1"', ""'ess otncrwiM
~pc:clr'Od '" ~ .~p.,~lc w'""'••o_ _n\ betWcon O~t "ne <!II>II01'. l>uyel 911all conOIu..ue1y bo dot-mod !D haul': (I) cornpl~teIJ ;>11 6u~cr
Inv""tig"b01l.1.• ~d rovlCW or rcpOf\5 and Olnct 2pP11caDle InTOrmllTIon ana oi'<;IO$UIBS psnalnlng 10 TIl<l1 GOnlll1Slcnoy 01 cenO'!llIlilon rlRfIl: CI~ ~eIl'.'<l
10 proecoo W~h thE' lran.ac1Ion: "no 1111) ."'urn"" "lIli"boUy, fOlljOcn..bDlIY ono cop"".e !Dr Rcpaitl; Of oorteClJDns pcn3nil1Sl to mat cOllUngency or
c...,,,,,Uallon right. 0' ror l""olfilY to obtai. m.no'fY,l.
fr. )),.·.=FCT 0" CAilCFL.l.,ollTION 0'" ",.;pasrr....: If Ou~, ~r .ce.~,. g""" ..
WlltrRn nODwo of <;nhCI:llr,gjon p~ nl to ~h"" duly ~"CI t,.N1dor the
14'lrms IJ' tr.l~ AgI+",rnonl, Buyor .and 5t:18r agrI:C to t>'9" mur.u:.1 U'\I;tfudions to unOoSJ the pit and es.crow ~nd rele~so OC:PO:!J~, Jess fee'S ltrtd
<.. .:G. \0 the pony ~.I'Uod to> Ihu cu<l<l.~ F~es "nd <:om may De payablo 10 senoloe pR)VIllIlt$ and VlImlOl1l fo' serme:. 8J1'J prO<b.o~ pr<MdJld durirt!!
esCl'lVoi. ~I">$e 01 ' ' 1<1.' "om
will 1"Oq1.""" tIIul..... Sig""lf (toho~.... l~ltucll(lflG 8uyor amI Soller. jUdlCllall\ecl5lQJ1 01 atblt...uon :award. A
P"rty m;,y bl) ~ubj~t 10 a cJvll pllm:.Lty Q( up t9 1-1..000 for re(vqr 'u :Hqn lluc1lIlMtrlIc\,u""!j. ,1' "liD Qoott 1.);", di,p.- cxt~ .It'" to wbo IK.
on,lllo<llo Iho dop""i10d fundS (ClVlI Cod"!lo~067.3)..
1$. FINAl. Vl!flII'ICA'tION OFCONDl'tION; Buyer snad ~2ve Ihe rlQf\t tom.luI .. linallllJJl'oCllon oIlho Prcp",ty >Ullh,n lit'" ) o..,... pnor
'. c.....
oc c.=...
NOT AS A CONTINGeNCY OF ,HE SALE:. bvl ~r.oJy to Donfi"", (I) Iho ","cp.,.ty I. m..lnb>iroC<l pU~u8nt to pa"'9raph 7A; Ill}
ROOt:P1y ho.VII) b'iJOfl comot.,to<J ~ ClfJl'tle"O: :1nd (HIJ :s".11('Ir htlS1 ~1MliJ with- :;.. nDt" elMr obli1lDtlO"Q und« tl1'11 Aiilruo~rlt
16. LIQulOATED DAMAGes; If n"yer f;<tih~ to complete thiS Pur;:"llSl!I beCiIIlllll!I~' BUVClf'''' dofoUIt, Seller'il'.....11 rotaln,
;IS Iiqui,btCd cbm3ges, the deposit actually palC!. It the Propelt¥ 1st a dwelling With 1000 more than four Units, 011&
of which Buvor intendS to occ;uPy, men the amount r~11l9d s~1f be n() more th(ln 3% of tho PUrch33C prlu.
Any CXC<ms '!Oh"n btl rDturnl'<! to Buyer. RcleO\llc of fund$ will req"Iro mutual, Signed rltlo~e 'lMb'1Jctiilm: from
both Buyor lJt'd Sollol, judici~l dccl,;ion ar i1rbluaQon awa • BUYER ANO SELLER SHALL SIGN A SEPARATE
UQUIDATI;O DAMAGES PROVISION fOR ANV INCR OEPOSIT. (C.,Il.R. FORM RID) .
Buvt,..slniliAt:I I I f____
$~ft'II)I'IQCnltJol!o
17. OISPUTE R~OlUTION:
A. MEOIAnON: Buyer Md SeU~' ao"'~ 10 m&dle1e '''''1
dlapllt. CIt 01"01 Qlidn41 oetWO<ln lIlem _ .,1 \hIs Agr=munt 01 ,."" 'Ofulling 1m11$3d10n.
batore rM.Cnlnc tt} oilfOlt~tJo" or court .ocbO'n. Pnn9~tq; 11a('l) :ltld (::I} .b~IO'N apply whether 'Or net !ttco I\NitfiOlllutl PfO~ft)1l U. \thtia-.:l~ Mm\cttfOti
tooa-. rt :a...-y, oh_1I be davtdCd C1Q-ll.Uy ..mo~ the- P:.lIttC~ m~lved. If. lOr any IJrs-pute Ot Cl:Dfm to wnu:n thl'l p....,oar.l.Pn ~"". amy p:any c;ommenCL'$.
on .>olioo wrt~oul ~I!>[ oucmpllnQ \0 resOlvo rne mener lIlrougn mediation, 01 rafuses to medlaltl aile' a rt><l1lCS11>8 IXI<>n ma~. tht>n tI'A, pAr.y
'h~d ""I b~ .;nritt<:<1 10 r~cov"f ~""""" Ie"". evert II 11'1ey ,""ouI(I oth8IWis& be llVailable to \hoi, patty In aoy SUCh adl,,". THIS MEOLAilOti
PI':OVI:;1ON Al"pur.n WHETI4CR OR NOT TI1C AAOITAATJOIl PRO\1l310>/IS INITIALEO.
8. AR8ITA,t>;nOl'l 01" OISPuTES: (1) al,lYi)'r and SClltlr ~grce that allY dispute or ~bim In UW oy equity ..ri,.itl9
between tl1(!m O'Jt of this Agf"..ment or any resulting trall$3ctlon, whlc" Is not s&t1led thyough mediation,
,.hall bn dncld<>d by nnutral. blndlng lIrbllratlon, Including ;and subject to praragrophS 116(2) and (3) below.
The arbilrolltor $ ....~I b~ .. retire-d judQo or justioo, or lln atto'1'l9)l IIIfrth .lit leD~t S Y0:ll"$ 1 real "toW:'
Law ~xperiel\Ge. unless tile parties mutu",Uy :aoroo to " dilfcrc>nt arb1tr.. tor, Who $h311 ronde. "UI award in
Q' ""';""_..
accordance with subsUlntive OIlifofl\llI Law. The ptl-rtlC$ shall bnvc the right to discovery In acco!darn;e with
Ca/Worn/<> Code of Civil Procedure §1283.0$. In ;011 othor r-pect=l, the arl)itraliOn $haU be condUCted In
.llccotd.llnce wIth Toll.. 9 of Part III of the C:llitotnl~ COd. 01 Civil Prol:Clduro. Judgment upon tb~ aWllIrd ot the
arbitrator(s) may be enlerelJ Into any eourt having jurlsdlc:tlon. 'nlcrpreilltion of this agreement to arbittate
Sh311 bB governed I)lr the Federal Arbitration Acl
(2) t:XCl..U~IONf> l'FlOl\ll NlEOtATION AN\) AI<.9lTAATlO"': Tho fo/l""';nlll "'_ol..... ol/dudAd ftom m<>dbtl<>n "nd url:llltaUon; <'I" Judl~l~1
01" f'o.n"UO-CI.u fOM'-;IQPi,.I.~or otl'\Or ,)CtU;III'1 .,r proooodk'I!J to C!nfOl""Ce ~ doGd <II trLRof.. m~9'O'.or ~t\~"""IIMot\t bnd Gl\fO COntract M defJnOd
In CallfQml~ ClvlL Co49 §.~e6: (II) :On unl8wfUl dItta1nc, 3~lIon; (III) !he minD 01 "nTorcemsnt of ~ m8Ctlllnlll's "en; an" (Iv) any mafulr lIlat
ls wI"'ln the Jurb.dietion of:s p«'Iob:'bI, "Cm~n c.1:;Iltn.. ~ ban1u,\rpte:y eOUl1. Tt'lo ;tl'jn9 of <tIi eourt. ac~on to enable the- .meordtng cr a nod" of
PAndlno ;M':tlt'ln.. tr'>r n",""r or A~hmont. recoNenhi.o. InJUI"Ic.uot'l, Of otl'1'O'( prov;,.'otlD" J''C'medl(01l• .$h&tf flooOt t;()n$UbJt:II! • w:Il1W)r of 1hft
tnu<J!.,(lQO ~nd olIfblb"dhOf't provl.loll'l:!h
(31 BROKfRS: flU)/er "ltd S~II", all".... to ....dlate B"~ mbl\r.ll" dlspulc:s or """,,1'4 "'\I<>.....
I\Q oltl>•• Of _h E1l'01l_, co\'l$l£tent - . 17 A
~I)d 8 1 provJdod eitner or bDttr 8rck'Sf"$ shall nay#;! ~(td '0 9uch rrtodb.tion or :rrbl:tr.:lUon prior to_ or Mt.hJn a I'OlZSQfltlit>ltt tlmo 0)Itar, the
odfODUbl:" or elulm 'f'I Dror'Anted to arO'kRnI. Ar'tf Alectlnn by fllIhM' C'lr both Bro~ '0 p::vttdpn'hlln McdiJltiOlft Of fJl'bitt:dJOtli !'JhJliU nor rll.'suH
In, Br{)Ic'!rs ba."g dr~med p.srt1~.b lu ~U' Aos""'"t:tntmt.
"NOTICE: £IV INITIALING IN THE SPACS BELOW YOU ARE AGReeING TO HAVe ANY DISPU~
ARI$ING our OF THE MATTERS IIIICl..UD~O IN THe 'ARJ3lTRAllON OF DISPUTES' PROVISION DEC10ED BY
NEV"l'AAl. ARBITRATION AS PROVIDED BY CALIFORNIA LAW AND YOU ARe GIVING UP ANY RIGHTS YOU
MIG..!"r POSSJ:SS TO H.lWE THe DISPUTE l.JTIGAYt:D IN A COURT OR .JURY ~Al.. BV 1N1"I'lAl.lNG IN YHC
SPACE BELOW YOU ARe GIVING UP YOUR JUDICIAL RK,;HTS TO DISCOVERY ,AND APPEAl, UNLESS
THOSE RIGHl'S AH.E SPl:CIFICALL'i INCLvoeO IN l'HE 'AR81TRATION OF O'SPt/TFs' PROVISION. IF YOU
REFUse ,0 $U911111T TO ARDITRJl,TION AFTER AGREEING TO THIS PROVISION, you MAY 01: c;OMPEU.EO
TO ARBITAAT£: UNDER THE AUTHORITY OF THE CALJFORNIA cooe OF CIVIL PROCF.DORE. YOUR
AGREEMENT TO THIS A~BlTRAnON PROVISION 15 VOLUNTARY."
"WE HAVE READ AND UNDeRsTAND THe FOREGOING ANI) AGREE TO SUJil,MIT DISPIJ1'eS ARISING
r
OUT OF 'l'HE MAnERS INCLUOF.O IN l'HE! 'ARBITRATION OF DISPUTES' pliOVISION TO NEUrnAL
ARaIT~ATION.'· ..!luye""I~~-=-
~--':":""""";:=--=--==:::"- _ _----='::;;:--::;~-=-=====:.J
Notice #3
Exhibits Volume 8
8-68
uoe ~~ u~ U~:UbP p.~
MAf.'A [~CROW PAGE El'3

lA/22J2004 1~:42 J16SS67531
'1;1.' ~f: ltUI.UVJt:.LL tJA,NKERj 210 211 4634; Sep·22-04 3:54PM; PAGE 7/15
18. PRORATIONS OF PROPERlY 'tAXES ANO OTHER ITEMS; UnlE:ss olh~ agreed in writing. th& ft>DDWln911~5 &l'1:1D bo PAID
CURRENT "nd Il(Or81..d l,!etWeen Buyer and sener lOll of ClQae Of E'~l;(ow; real PI'Opr:rly t;<><eS lin(! \J(I;>C!.,m&l'Itll. lI,te...,,,t. ",nts.
HOA ~ul~r. :.j)5C1/>I. ""d OmerlJoncy duol. jlnel :>!!.lIl(),Gmctlll: 1I11por.o<l prlor:o Clo$e or E:;crow. pmrniLJm; Oil fnr;ur.1tlc~ 1l'1'",(l1l;'d
D~ Buy<...... pUY"lerllG Ofl bonds :Ofld ASSeSS/l'l"nl~ _~um"'d bV Buyer. aM pavmol'll~ on MeDo-RDQIl .:.mel Olne' Spt/clul Ass"!l!lmenl
OI"\tJ" bond... And <l$Se$sm~n'" Ihot are ROW A lien. 1'r>e fOlloWing itemS s",,11 De assumed by Buyer WTHOUT CREOIT toward Ihe
purchase pM?-: pro.-ale<! paym'lMn 01\ M~lo-Roo .. "nci at~r $poci",l A.""ss('l"oMt Ollll\rlct bonO!> M(\ as.'IOuma~&aM 1-\0,&0, ~~a1
".aeumIlO!:'. Ih,,1 .,ro flOW" 1,0'1'1 but 1'I0t vat due. Prtlpc>rty wiH be """Il::CCotd'd ullotl chol'llo of ownc<""p. Any "l/ptIlbrtlelll.dtoo" b~I'"
sh"U lie oaid:.~ rollows: lI) tor porJOdQ aft/!r (:los", Or E.~"'DW. by Buyer: tlnd (U) lor petlod~ pnOr to Cfo~ or [..crow. by Seller. ,AX
BIL.L.S ISSUED AFTER ClOSl: OF ESCROW SHALl. ac HANDLEO DJREiCTlY BETV\IE:eN BUYER AND St:1-LElil. ProraliQfl$ shall
bit made oo.cd Oil ~ 3D-d;;>y mOfl!h
9. WfTHHOl~NG TAXSS: Soflor ,mil Buyer ;19mn 1(1 nlCeoCvte aoy in"trtlm~nt. nflidnvlI. slQtcmel'lt or ,n3lruC\ion rOM.onably n~ .... "",ry
to "",mply wlll'> tooor,,' (rJrWTA) "no Call1om!,, w,U.hakllng I.IIVi, If reqw,ed (e.A.F<. Farms A$ .. nel A6).
:0. MULTI!"\..!': lJSTlNG SER'JICE;. ("MlS"): Blo~,ctS are aulkorlzed 10 report 10 the MLS a pending sale and. upon Close 01 E'5""'''. tile
term" of 1111$ tranSRClion (0 b" pUbll$l'\ea 8nd dls-;aminzled to pI.lrGOns and ",,,IIl!<:-; lluthon..IKI 10 u$e the InlormotJon on termn
:o:.pprovP.'d by the ML::1.
1. liClUAl HOUSINe OPPORTtJN ITY; Tn9 PropE'rty 1$ $Old in D>mpllanco with fI'>!Ieral. 11191t: :lnd local anti·clJcorirninatllln Lawe.
2. ATTORNeY F'f.'SS: In any action. proceedine. or 9rbitlatlan belw6efl Buyer an<! ~eller arlalno cut or til'" A!jf(':('Jmelll, me pn>V"Ui"g
nllyor Of ~1I"r -.h""
t:>e enUllcd to r~$¢nablc .:ollOMdY (ee" ..ncr OOSI.'> flom the non-prevAiling BuyQl' or Sr.1I"., eXcept 98 provld,,(j,o
p"r.:ogmpI'l17A.
3. SEl.EC'fION OF SERVICE PROVIDERS' rr
BrOkli:r, I~Of BlJyer II! sellet to pe~~. ven<lorn. Or SefIIlce or product prOVld.....
(·Provider,,-). I:l/Okers do "at guaralll~" Iho perfOrmEll1C<l Of ""y Provfders. Buyer ar>:t SEllier mIJY , , _ ANY p(<>VIde", or !heIr 0 -
cnao.iog.
" rlJ~e OF fSSENCr; rNTIRE CON'tRAC1: CHANCF.S: Time is 01 lflt' flo~"nce. Jill ul>(l"""l,:,ndinlJ" bnfw<om the partie:t or"
Jnc/>tl,oraled In Ihi. AqrE>ement. ,t~ {eTmS ,.,." D'llllnd&d by tn.. PMioc ;"" e tin"'l. complate aM ""du£fvo expression of their
Agreement with respecr to It» sUbJec1 maullr. alld may not br.' c:onlradk;llld by cvldsnct Or 0tlY prior ;,o,..,emool "r ClOtlIemporancOuS
"""I agreemefll. ""ny
prov.r.ion of 'his Apre4n'lcl'll is h",lcl to 00 Inetlecttve 0' inl/lIlld. Ihr. r~:linlng prOl/lnlOll:J ID newrth<:leG" be
Groen 'ull 10lee AM otlOC'!. Noll\'lor thl.. lI.!lr6tlMo,,- .....r "l'Iy P'OVl\;I..., 'n il """Y ll,. "xtonded, ""t>nd"llo OClf~. :.1l.C>~d or
ch..ng"". e!'lCcepl in writln9 SlgnC4 by Buy.r and $,,''''r.
S. OTIi£R Te~S ANt) CONDITIONS. l"eIuding 9t!9ohed 5upplemenll<:
A. R'I_R..I!Y."r'S In~clion AQ.r's_ory, tC~.£.~m_al..N
D. ~!!.~~.T:!",..!;(l,l Add<meluz>-'.C A.I-/. t-ormc...,P""A:A"..-p;?-r.>QJ;:1--.-p-:h-,.num...,,"'b-:-."""",-'------. .- - - - - - - - - - - - -
c. sl!l~J.P.'r CO' PAY: ~~~CS~;J't:tI ~Ol ",n cWWt QQfi tto.' Wipeed' I" (t'JrQ pRZ"QMCl 01' chEf :(1daJ.
~.,sa price. 69.t1er;1s AJr'i:In! t;.Dae btM?l;- zsata .a...C;:tl,;l.§oetO 1?:... ~ gt:.ate fJ"·aema«
S. D5FiNiTlONS; A~ u<:ild In·lll.'':Agr.....'''''n1: .

A. ~Ac:eaptDnce'" mc~nG the Ume tho ottot or fln9lf cpuntet otter Is ilQOl:;)ptQd' ltl wri~O by II! pt:tI1Y ;lnd b- "'c.lwore<:! to ~nd pc!nDnOlly
reeelll~ llV me Olh<>r party or lhat p0rtY'$- autl10rized ..gent 11'1 accoretatlC¢ wilh th" terms ot tnls offer Qr .. 1i""1 covnter offer.
13. ooAJ;t"'<'Mll'nt"' m":>n" tile lenns "nt! condo,ons of fhb "ceepl'>(j (:4l1fomlll Resldenll'" Purch9~ Agree"...,.,t and any :accopted
count"r 01lur6 Mel "eI~nclJ.
C. "C.A.R. F'O......• 'I'\t:1or", lh~ ~padflo form rtre'OI'l""d or another comparable fonn """'ad 10 by the pllrtJali.
O. ·CIQt,.. or E,,<:rO....• ,...,,,,,,,,S Ihe date thl: gt""1 ~, or o!h"r ""'idellC& of lr;,.....I"'f of title. II' .e...,l':lecl. !f the l>cl\edule<l dose of
escrow fnlb on II SlItu<doy. ~un<lay or t"9.-.1 hOliday. thBn clo~e of lOllCl'OW 311311 blithe R9X1 b~ine5S day lilllct tM I;cheduled
CIOM al e~Crow dAtI'>.
e. "CDPY' moans coPy by ~nv meal1~ includinQ Phcloeopy. NCR. f.C9imllll anel e-IeClrQI1'c-
F... tr.>y,,- means coJ""dardal'S...",10M olllll!JWlse ,squired by Lew.
G. "Oay... After" ...."an" tho ·!;p@crlleo rlumbcr of calenae! d~ys 'On,,! the occurrence af the event Gp'>Olr",d, not co\.l'1\1119 t/'l" ""'''/ldar
dot", un ",nOCh In" $"~Cl1i"" /Wont occur....no nndlng ;,\ 11:!:iOPM ,,,, tho ;,n,,1 d"y.
H. "Day.. Prl....• ~~ \hI> ..pocitlea nurnj)t:r oralMl\llr QaVt' !lel'Clf" \11" o<;wrtunce olm.. "venl i>plKlificd. "at counting I""
"'lender cI"le on W"fch m" ~pcc1l1eCl event I" scheduled 10 O<;O.lf.
J. "E1ectroni" Copy" at "t:I"c!ronfC SlgnsturQ" meaos. B$ appIlG3/)le. an ~!cCltOnIC Copy O( :signature COmplying wiI/t California
L,,"'. l:iUY<l. and :;..11"" "Il"'" thot OI"clrenlC M~Dn. w,Jllloll.lo UDod by ... rthcr (lO<1V '0 madlfy O( 'llt!:r tho "antal'll O( intel/Illy 0/' (III!)
A9re~ .....en: 'MIIIou! the IUlOWIP.U09 and eotlll'>nt orme clII",r
J. "L-.w" means any l;:>w. coda. Sllllvlc. ordinance. ""9ul<1l1oo. rule or «dar, which la adOPted by a controlllnQ dty. county. slaUt Or
fcd"r"t leQI"I"t1ve. JudiCl~1 or ex'.!cul,ve body 01' agency.
K. "!",otico \0() l'\vy<>t tl> PonOfTll" m\)~II:O 11 dOOlmem.(CAH. rctm NSP). "'hiclJ ~n'Ju bl!lln writing ~n<l Signed bY ~~I .., ;;md ~h.l\l
g,ve 6uyOf "I ,clast 24 llourt> lor as olllerwtsll' "PcoclfllOd In p.or~!J""ph 14C(4)J 10 remove a cont!Jtfl6ncl' Of porlor", as
apDlJeabl"
I..OORe~jrt;" mc,,"S any ,..,plllrOl (lndudl"ll pe~t con·lrol). oller":'onll. r"placements. modifil;Dtions or nn!rofoWI'I\;j of tile property
provw.-o f", vncJl>r Ihl~ Agrc':m~nl.
M. ":;:i9n"d" mO"n.~ "~h,,r i<l h.>nCIW,Kt"n or 9l"etr"n<o clllTlalUf1.I 0I'l "n OliOin,,' COeutJl"rti. Copy or ~JlY COI)ll1erp...rt
N. S.ngullir :lnd pr~tal te(iJ"I-,1 'ilQt:h IncltJde It'c- oihor, when aP1X'Opriate.,
Notice #3
Exhibits Volume 6
6-69
p.lU
MARA ESCRCM PAC£. 113

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·'opbltyAdOrTQ,.·;:;,jj.l..j)........J!J;.t,}Li'r;,t:m .l'!n"SX1y , .., Z.I~iZ2J2 _ O~:Pft~¢..L :.oQ4

!7. AGENCY:
p.. DISCLOSURE: euy~, :>nr.\ Sellnr oi>cl1 a<;knowlod!l~ prior receipt of CAR. FOf"l11 AO 'Olsc:JOsure ReSll/rllll'lg Ro:al I;st'lle AlJ"ney
~cbtll)n=hlp$,·
a. POTfNTr.... u..V COMPCTING BUVERS ANO SE!LLERS: BlJYer and 5e1I(jr ~ atJIflO\Nledge receipt 01 Q discl~l,Ir.. Of the
possibilllY Of m,,"iple repreSen\Ol~on lly tile BroKer reprl!!lQ/lting !.hal prlncl/llll. 11"Ib: olsdosun= may be psn of a n.un9 <lgielltnP.flI,
l>uy~r-broke' ;lll'MmanT or sopsrat.. oowmc""T (CAR. Form OA). soyar ond"l'!lt~nds tho( 8'olc9r raprfllfnllnSl Du>'fl' mny illso
rllpte:>ell! (llilor !lctenw,1 buy"r~. wl10 may ~didcr, ll'\Ilkc oftetIl on or ultimlltely aoqllire lite Property, SliIllor untf«"standD 111.:ll
Broiler repreM.,"lino Seller may 1)1:10 represel'lt omer sellerS Wi1tl com~9 properties ofinlcne:;t 10 this atlyer.
C. COl\lFIRMAnoH: Th~ (ollOYlino llgcncy retaliotl6tllll" "ril ~I'llby conli1l'lled rar thl~ lrllns;lQliorr.
I.lttini 1\9°'11 .... .....c:~~.r (Pnnt Firm NOIffiO) I~ till' agent
of (GllecJ< oner all ~.... Seller el«:lu&IIIOIy: or 0 bolll the Buyer .....d Seller.
Selling Agem • __ ,_G,i,l.l"~GddJ,rz iJpa:ltCZJ;8 _ (Prinl Firm Ill.......) (If not AAm~
::>0 1.1o.6nO Aqem) l~ Ih" "!lenl of (t.~..cJ< 0"""): W the' tluy.,r llXclu"'''~ly: ot 0 ttlo :;.. lIor ,",XCIU'3tv.-Jy: or 0 l1Mh thllt Uuyor and
Soller. R~al E,tDU1 8to~.:rll "ro ~ol p,,(\1.... 10 tho Agr"em"nt between Buye. Mll So~r.
a. JOttrr eSCR,Qw INSTRUCTIONS TO ESCROW HOLDER:
A. The fallowm", p;I,,oll,aphe, or ..ppll<:able PO"'on9;thcreor, of Ill;;' Agl'('9me'"1 <:on,,~tuto _ joinl "~orow InAttuctlons of
RuYliI' '''lei S<rJll;fr 10 fsc:row Hoh,or, whtCh L"lCro1l\l Holdet I.. to U$O elang Wltl\ ony rololcd ¢Ounl~r O1t<lr~ on<t Qdd~d .., "no ~ny
alld~;o":ll mulUS! lnWuetlOns to el""liI tne ~rO"l': 1,2,4.12. 138. 1AE, 1a. 19. 24. ~a atld C, 2G, 28. 29. 32A, J3 "tid
par8gr;>ph 0 or the "oetlan 1I!Icd Re,,, ES!IO(" SroRr", On Pl'ge ll. If :a Copy of Iho ...cpar.,'e COrnpens3t1on Bgreemenl(1I) provld<>d
far /1'1 pnrJ'gmph 2(1 or 32A. or PBrbgr.,pil D of the ~ ..t.lion titled Rl)(>1 ~tc. I:lro"~", on pllg.o 6 ;c d.. p<l~d wdh Ell"'O'" Hold.r
by I:lrok"r, E'scrow HOl~ ~n;,11 """"'pI such "gr""men1(o) <tfld pay ouT 1>'Om Suy.... Gor Sellor's fUrlCll;, or both, al> sppll<"Abla. tho
Broke,'" competlo..llcn P'<>'Il(j"tl fOr in l'ucl'\ ag~nt(s). The lerms and con<jitioft<S QI trll.. AQroement nol "'" 10M In ll'I.,
npr.elro/l-(/ pn""graph.) cOlt: ;lddlllt>tlal ",,,Ito,,," tor tll4' \nfOfm"b,,,, of Escrow !iOlaor. but ;about Whkh E:;Ctow Holder nI'~ MI be>
cone.rMd. Buyel "nd Seller will .-..ce;v() Escrow Hol(/(lr'~ gt!rHlllll provil'io1l6 (lll\'letly from Escrow Holder :1M WIll flIlC"C!,M eucn
l'lrovlsloflG uPon EsctOV" Holdat's ",quest To me ext~nllhe geneml provisio..... "ro inCOMlo:ll:nl or co...fltd wR!I thls Agreernenl.
,h~ !)onoraJ l:>covi~,ons wm control 3S 10 th" duties ond Obllgatiorn; of [!$Cf(lW HOICIe' oDly. Buyer <lod $nller will eXI;\cuI'" aoa/lfonnl
In~tf\;lct;Oo~. dOC1J~nt~ nnd fOr'ml':. provldnd by E;earow ....o!dor tf'l~ Qrrt "':lsonobly nlOc:c~s.;.t.ry 10 elO:aD tht\ CSO"OlN..
e. A Copy of tr,ln Agreement shall 00 denvtned 10 Es<:ro.... HOlder wllll;n 3 bl$lJlesll. daYb after Acc<:pt61nce
(or 0 _. . . ). 9lJ,1<:!< ~nd Sellef "uthor12.. E..erow
RolOnr 10 ;lceepl "nil r,,1v on CopIes nlld :3'!ln~\l.l'(:11 ..,. dnFlnQd in IN'" AgI\O<>meM "" etil};"~Io. to oj>\'lI\ ll$OOW ;;ttl(l for othor
PUrllO"~' "r escrow. The ",,"tilly of thIS A{).eement as between Auy.... and Sollrr IS not affected by WIlelh.... or wh..n ~llctOW
Holder SIl)M th,,. AgreelTt'i'nt.
c. I'lroker~ &to n p"r1y to t~n "pcrow for tho> ""Ie pUrpO"" Of ooml)en.;,tjo" PUfG<lllllt 10 p"rat/r:lphs ;19, :'ll'A an<1 pnro9repll Doflhe
~OC1;on ~1k1d Rell' CSIIlI'J Orokero.; on pao" a. Boy", ..nd s~nor lrrevoCOlbly -II",~i9" 10 erolmr,. r.ompcnllDtiorl ';pclc,fiO(J in
p~t"9r;!\pns ~9 and 32A. rc~peeweiY. an<;l IrreVQoobly I1lSllUet En<:row Hold"r to disbu/'SO 1M"" funds 10 Brok~rn at CIO'"", or
EscrOW 01 pursu"nI 10 ;any OllIe, ",\Au...y elleClned Clll'IceM:al\Ot\ egr"'tllTl!\fIl. CO~aI'>S3tll>n iMlruetlons can be tmI"'~ or
,,,,,ol<.od only with tho writton co,,:oa"l of arok.".~. E~,¢"()W Holder :\hall immediately J\Olit'y Rlokgro~ II) if BVY"ro iml'OII or any
r.ddlliOl1al d"po~lt Is not TlI<ldc pursu;ont to tills I\gfeemenl or hi flOt ~!'Od ::It tim" or deposit WlTll EliCrow Holder. at (ii) If Iluyer
(1M Seller In~t:uct l:1lcrow HOlder to <;tlnt:el e,o;ctow. .
O. A Copy or any amrmdment ~"I ",ffqcls any p.tt.ll!V'1Dh of Ihla Ag~c"t for wh;Ql Ewow HOldor Is r.,eponllibll') "ha~ DO
dt'llveted to Egcrow Holdor witll,n :2 t\V~i""-~" days mtt'.t muiulli 6Kccution 01 aM ....,,"ndmr.nt.
I. BRoKeR COI\IIPENSATION FROM euvl:l'I: If appllC:;lble. upon Close 01 f:sc:row. Buyer agrees 10 pay CDll'Ipenel>llon 10 Brok9c ....
:s""c;iIlRd io a sop..,."le wrlll,," "910eme,,1 belwo<>n lluyur ..nd a",ket.
I. TI!I'l.MS AND CON0l110H3 Of' OFFER:
ThIS IS on off",r 10 pu",~ the Prcpony on Tne above le/lT1S <>no conditions. All ll~rll9"..pl\" whh ~p"Ce1l tor jnl~81. by Buy"r aflo
Seller aro> ineClrp'ml1~ in INs AlifOetl'lol'lnt only if In,r""ed by en psrtle•. If at lel'>'I l'IJ'le bUlnD! .all parties fnlllal. 0 COll'lI", affB Is
I"dQIJIr"d until agr<:ement '5 tCochod, Sene, h;os lite "9ht to oon~nul!to Offer tho PCOOetly' for ~fO .:Ioate = C l <Jriy oln"rOf~r OIt ,,"y
.me pnor 10 "Oli(,c~r,"n of A=p,,,n=. Huyer n..,. r..fld and acknowla(lg"s rec"pt of ;J CoPy or tho Olr&, p.nd .. gr~ 10 II><: abov"
confirmation of ,"oeney r~lalIonshiPll. 11 thl~ o!ter is """"pred and 13uyer sUbeeqvonlly defaulb. Buyer may til> responsible (0'
o:svmenl 01 Brokp.rs· COIl1D6ns"lIo.... Thl'il Ag.ooment ~ntl:lny SUl'p'_l atld~l'lllum or rno<;lif1C<lllcn, lnd\llling ~ny Cony, mllY 1)<:
$I~d OJ' twO or mar" counl"tp')tl:l. an or whiCh "hall <Qnt>lIIuCc ono ""'0 I"" S~me VJti!in9'
Nolice #3
Exhibits Volume B
B-70
p. 11
MARA ESCROW PAGe 11

lU/22/2se4 15;42 310SSB7531
L,U.. '''' 0 1. ""'-U... \J\"Ilt:'..l,. l:)ANl\t:.H; 310 271 4334; SEP·~?·O? 3:5epUj PAGE 9/15
1'/ODiPny Addmlo": .:J;;J)~·6~ _ J''==.t:' ty Q U'\ hJ' "IMV O,gftJI. tR"c&,""qe..,f .t:'CQ.
~1. EXPIRAYIOH OF OFI'CR; Thl. Dffe,.baU /l",,,,,,,,,",," "'VOKl!d and no d.pO&~·61'1/l1tbe rolumt<l urllass ~OI~/"S>9~ed b~ 3ell/ll~rId a COpy otthe<
$lane" offer Is pr.;,OIIally recehled b~ Buy.'. 0' by • wtlo 1$
:JvthOf~nd D'I 5:00 PM on the thltO ca1end~r rJ... 'j aru,T th~ 0
.
10 rP(p\.vp' II checJ<ed. by
~~~c!~~Ztt;;·· ~ ~:~ O~MO~M).

~~~~1rf~V1_-_-
1227 :1/;:!! .. N.t::1::~a. "'~~o~
. .. --- .7iP;;I1"n;;;t;;~;:;::,"::~:r---fql-----------------
_
(A<I"""">
~2.GROK<;R COI\IIPC"5ATION ~'RO'" Sr:U.IZR:
A. Upon Cloo" or E.""w. SOli", "gl'eell To poy """'P"'1aalion to PIOl.et ... ~p(''.:'••d In .. r.eperalD WtIIlM aQ(INfflOOl l>_~ :J~"'" »nd 0",,,,,,.
U. If esGrQW <loes 1\01 dose. <ompen.OlIlOn 15 poyable 3& .""c;:i11ed
In \l'l;ll ~<ut~ wnnun agreemOJll
~::. ACCe>TANCE OF OH'ER: SoU"" w....raJl1s \tl~t Scol"'r 10 111ft own.r 0' Itt" Prwertv. or na311Je authority I~ GU(ecule this Agro~monL ~I"r "CCept.1I\e
~DOY~ offt:r, ~or~ 10 dUOU ~hq J1roperty ()r\ tile- ~ ,.,rms: Md OOA(UUOl'l~h port :.a~t to the QbO~ eonfj(J"tJttion of -OqfJCY f\t,glionsth1rr- SAliM I1b.S
r•• ~ and 3e1<no""""'".~"'<e.pt or" CoOl' oIlnl$l'g_m",,~ ond llutllOra:tn Stoke' to deWar <> ~illncd COpy to Otty<>!'.
o (II ~t>C"""d) SUBJE:CT TO ATTACHED COUNTeR OFFJm, l)ATl:D
O~IO __. OdIc - - - -_ _ ~-- _
$E~L~i". _. :l£:LLEP. _
i!.~ep)Lh~.
()oint'll N~mo' ,-' IPrjl'\lu--;;;-----------~---------
._..... J
(...iLl,....' - - - - - - - ... - - - - - .
!. _ •_ _ ' " ) CONrlTlMATION OF "CCep'I'AWCC: A CoPY 01 :sI\jnlod A<Cal>lJlnoe wa; ~""'n.lly rece>VOd bY ""'~ot or Oul'<"'" aulno&eo
lln~bl., <>Q~N em (c~(e) Il{ _ CAM 0 I'M. A binding Agroem...... "'.,.._ ~
" CDPY Of S'9,,~d A"""pt:lnce to I><'r$o""'1)/ received by Dutor or lluynr"s ..ut!toflzed _nt WhalMr or not ""..firmed "'
lhl? «lcumont. Complo\lo" CIt \his tonllnnDUon "' not lo$:.lty ("'lu;'OH! in o1"llOt to cro<>lr> .. blnoinJl ~ It I<. "Qlely
InteM4d 10 ovlden." tho <bIo Iha1 Conl'lrmoliOtl qf Aoce1l1l1~9 ha• ...,..u.....,.,.
REAl., esTATE BPlOKeR$;
A. Real "-'<tal" r;ttoke~ 3/1it ",,, porti.~ to tile Ag-..nr.bolWotn BlI'I6t;,nd ~.lIor.
O. Ag4fJqt ..-of:.rs:oMh,pr.. ':'fC1 conntmGd 4~ :nalOd ,rt P~nlg"4ph 'XI.
C. 1/ ~oeCllll:d ;n p."'!l,oph 'lA. A{jcnl .,ho "ubmIltGd lh<> oHef for lIuyfr ""*'>......1ellges reeaiplo' d"p<>Si~
D. cO""f:RA11~a nROKl!R COMPE:N5ATION' L~log lil'Olle, agrtM to ~y Cooperallng r'.rokr, (Selling Firm) ~n~ OOOlX'",Un9 IlfOket V9,eOffl to
R~OL out of 1.1.~no A,o\<Q"S jlroCL'''''S In ~"'W: (I) Inc. lIlI\OI>nl ..p..~~ ltIlh. MLS. p',,"10"0 CooP.,aUn$! """"', ('to a "'"rtiolom "1 the MLS ,.
wlutl\ 1J'\4 PtO"ctty I:' Oft'6rod 10r ~..""It;o 0' .It toeJprO=J M.l.S; or {II} C' tif eJlwckt'Jd) tho .;Imount ::tpotlz_d 11'1 .0 AQ1l.I.1~ w,,~,. :»grHm&ml (CAR. I=OrM
GL1Cll".Il!u....,~n L.lstlng oro~e(.and cooperating Otl)IcQa-,
Real EstDle Broke' (SOII,1'\9 FIrm) c4Z1~~ GQ#m BPaj ti ars
"1- _. ... .. _.. ~~..§.~ 0.'" ,!Um.t4'llit!'l!r 4 212(/.<1.---
~,n... ~••¥.."...t,,"'=cL~I/..t'!l~___ • C,,~ t,,~ A.!uP'l~lf .-:::t."tc <=..\ 7."'J!M?.4
T"'Qph.ne .1.3,%0) ~78-:Z"!J~ •• _ _ ".' ..£,12'! /!A '-9::178 l!~r1'\aII1JJilR@~e"ct.¢GVf
R~al fsl.rr. Dr."'" (lls~n!1 FI"lI) ~9.J::t.:r~~~'i:

Dy _ _ _ _ .
. _. D.atllt
Addrn!o!1
Telcp"one
.. FS~
C.ry Slot• r...
E'''''ll
I'!lC~Q\'\I HOLOI!7< AC~NOWL.l!D~T.
l.:ourt~r offer nl.'m1)t r.; _

E.::I.ero'w Hold!:!' 3C~t'lOW'ea~M l'c-cotD\ 010 COpY of tOm Agrr.etnont, {,t
..
cnfldtod,O D UCPODtlln tf'\o umcU1"It of s _
II""
• and :>1= \0 atlas ~ow Holder a\>bjool to Pl>11>llfl>ph 23 .,fUlls A9~f1U>n\...ny
),
9:tJPpto.rr'KInt~' o,r:tvw 11tC1,udl';:m~ ,:)t'lC'l lhrr of P$(,J'()w ttolCer''1 gonqr",,1 PTDy!:uon5

'''''''''
t:ia<;fOW HOI(,lct ~, ::td'''':;ca that tho d"t.'O ot ContmniWoo at A~t8nce Of 1hi! Agre1tffl.nt t,l,c btslWOen Bb)lOr:lntl S.Uet is
ESC10W Heldot _ _ _ _ _ _..•
Oy .. -- Ear;:~wif
031<0
4t1c:1l'\J.:\4 _ _ _ _
::JhOr'lti'lrtU(IE..f'1'14Iil - .-
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-
'~<rtrW tlo!de' IS ,.tenSe~ T:Jj 1M Ca~fomla Oe"...-.' uf a Corr»"'llion6.0 lnlWl"""".D R&al Elita\D. u""nse#
<-_:_. _I Rl!.l1'.CTJON or Of'Frn; No (.Qunf"r offo, ;. 1:>4/nQ m3d1>. Tt>:o 0110r '...", rll~~ Mnd '",oC!"O l>Y :'lr.lk-J on.
:S~ller'!:o
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trllhab)
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- .
Nolice #3
Exhibits Volume B
B-71
UO~ ~b U~ UbIU~P p. 1<::
MARA ESCROW PAGe: 12

~'O 271 4634; SE~'22'04 3:57PM; PAGE 10/15
C;.>\LHO(\.t'r"
AS~(lCI"Tl ON BUYER'S INSPECTION ADVISORY
O~ Rr"",-'"l"On..S·"· le.A.fl. Form BIll.. Rov",cd 101021
=.
Properly Address: ~~"E~ tJr;t .... -',......=;:oe""'.1"'~<...:H:;;i..,.l"'1:;;"'''"r.....,cA'''''"~9"O'''2.,:L2= ~ j"ProperlYi.
IJ.. IMPORTANCe OF PROPE~TY INVF.STICATlON: Th. pr.Y$!Cll1 condllion of It", Izlnd and imPrQvemenl" beinO purchRsc:d I~ no!
gu;,ranteed by o,lh"r S,,!Ie< or aroker~" j:or Il1ls r~c"n. 1!Ou Should conc!tlCl thorough ;nvMtilJ"lion" of the. PropertY por=nolly and wilh
prbtessi onal6 WhO should pmvlde written repons 0' II\¢IT Inves!igaIJoM. A general phy~iCi31 ;"speetlo" typically lkles nol t:4'IIer all aspeet"
0' the Prop"rty nor items lI.1'~etlng In.. properly lIlg1 .:lfO not physlCQny toc8ted on Ill.. Prollelty. If the profDssionl,l/s rKOmrttet1d fur\h~r
VW~tJ1,p.::.-tJons. incJv(,1in'!) a rt:co,."m~ndtl.'lon by.:l ~n:u CQnftoi opr.rntor ~o rf"Dped ir1~cc-dbl~ 31"00& Qrth<1 Property, you t;f\Ould oontQct
'1""';"00 "~pen. tr.l ""onduct sue'" J.ulolllo(ll>1 ,n"""tiQl1l1on$.
O. LlUySR RIGHTS AAO DUnes; YOu ""V9 an ,Jllifm:vtlv<.' dul)' II:> ,,~ .. td..e '''''~3bl" l;;;8ee 10 prulDCl yourself. In<)U(jlng dl:lOOVllry of
1110 I"glli. p,,,etlc.>1 Und l«.llnlC.:l1 'mp!icatlon~ or disclOSed rlld". and II1I!l IrwC6t1gatioll and v<ll"Oonllon or JOf0lTll311on And IftCl" llY"'l you
~now Qr that l1re witl1in your dlUilen\ attenlion :MId Ot:l&enration. 111111 purCh&~ 89r<KlfTllll'\tgwes: you the r.gl'll to inue~igato tlItl ProPE-lty. It
YOu 9xI"ciee this righL iOnd you o;houltl, you mU:'lt do so in Ilcoordance with ihn mnnll of thai llgrp.Af'rlent. This is thl1 best way for you to
"Ol<iel youn:.olf. II IS '!lxlm",.,Jy I1nponant lor you to r03d "Jf wrin~n roport, providld by proft¥' .... iOl'\~f$ :;ll'd to dl';cu'l.~ ItIt> rMull~ or
""peel ions ""qn Iho pr?les"'¢fl'l1 who Q;>ndllC!ed Ih" InepoClion. You novo Ih" ,ig/lt to MquQO't Ihat Sullor rnaJo." rtt!",'''''' corrucbonu or
:.."" other <><:,Ion l>QS"d llpOfl items di"""vered in yeur tr,,'6$llgatll)tls or discloSed DY Seller. It Seller io;. ... nWllling or uneble to SlJtlsfy your
"eQU"sts_ or \IOu do not wanl to purch2~ the "roperty in Its (lbcJo~"d .;mtl dlGCOY')red conditlof', you have the tight '0 cancel lfle
,gMtlmertt If you 'let vllthl" ~P'Oclfie tlmel J)"riotl•. II you lIo 1101 cClnc<,' 1M agreemcflf rl1 9 timely ;;Ind j)l'Oper Mar>n"r. you mal' bo jl1
,reI\Cl'\ or t;Q1n'r$r,:1
;. SELLER KIGHT'S AND DUTIES: 5~I"r I~ require\! 10 dlzc!oae 10 you tM!.erial filets ~p",,", to him/her tIl.>l affect t~" v,""',, or
IO'.r<,b/li1Y or the Ptop,,-rty. l-IO~v"". 5¢11ot mlly 1101 bt;1 "war¢ of \>Om" Proporly (\ofecb ot mnclJ!iOl1So S"~,,r OOt'l\o nol hall'" A" ~i9il1I1O"
'0 i"6PltCllhc: Property lor Y<1Ur Oil1lelit nor '" Seller "bhgo&lOlld to r{>ll"Jr. correct Dr oth"iW':Ie cUte ~now" dcf..ctG \MIll.... dodosed \D you
)I previously unKnOWn defect" Ina\ are discowred by YDU Or your InepeClors during "<;Grow. The pUlCha~" egreement obllg3leS Seller to
"!lake 1"" ~rop.,,,y 9vaIt"ble to you tor ,MeSli(plions.
). BROKER OflLlGA.TION$; 3ro1\ors dO not have oxp=t1ise In all ur".., IIllla llIcltdor., ¢t>nnOl aClv~,p. you on many 'I""",. su"" '''' llOir
;Ioblll:)'. geologic or """,roOme'll:>1 CO'1diliOllS, haurdoun or Illegal ccr'It,olJed sutlS:JU1CQS, sll'uctural coodilio/ls 01 tI1e ro""'c13tion Ot other
mproven>erll~. or \he c.ondil;Cf\ or Ih~ .oof, Dlumb1ng. h"aUng. 311' Q>ncill<:lt\lnl}. elecirl<:al. r.ewOl', GelJ\ic. wa!lll:> dio;po:;.lli. or Q(IIot ~~tQI'CI.
Th" onlV w:r..y 10 :;IC"uflllOly O<7\lOrmlt1o lht c¢nOl\lon ortb~ f>,¢ll"rtY '" tllrough lin I~etlon by tIn apl''''pn''lu profeC4ion;ol ~I"clod t:ly
IOU. It Oroknr !Jlvt:S YOu tnf.. rr:>l~ 10 "uCtl prot""alOnalS, B(Qk",r dDtl~ nol g~rartl~ \I\eIr perl~ncl!:. You mOlY SGJC<:t uny prO!O'"o>$101l,,1
]f your choosing. In SO\lf'-~ Invehling resldP.fl\l<t1 dwellings wil~ no /llOrl/> than (o ... r units, Brokers have a dulY to make !l dilij)en\ vlSlJal
nspecil~n of tbe 8e<:es.I!M '''<>8~ 01 the Proparty ana to dl.closo rhe resul", 0' that Jf\Spec(lon. Howewr. as $0_ Propurt)! dGfects or
;onrjitJOn~ m~y not bro du';c"vot. blo 1"rom \!l Vt.. ~.p.1 in:'J.pc?@n. II 1. po!':ir1ibt.v Srokn(.3\ .r('J flot ~iMC' 0' ~h()m. If you n2N6 -.nlered lnto .:l
\/tltlen agree,.,."n! VI.!h a E1lok"t, the ~pecifl¢ :el'l'lA of tr"'18gr~rt\cnt will oeterrnJn.e the nalure and e>donl or lI1al Btoker'. duty Ie yD....
ro\) ARe STRONGLY ADVISED ,0 t'NESTlGA-rE THI! CONO\1'ION AND SUliAetLnY OF ALL. ASPEC'l"S Of YHE. PROI'~1Y.IF
rou 00 NOT 00 50. YOU ARE ACTlt.lG AGAINST THE ADVICE: OF BROKERS.
:. YOU ARc AoVlSEO TO CONDUCT INVESTIGATIONS·Ot' THE El'1l1RE PROI'ERTY.INCLUOING. BUT NOT LIMITeD TO THE
FOLLOWING:
1. GENERAl. CONDITION OF THe: PROPeRTY, ITS SYSTeMS AND COMPONeNiS: FOund"tiofl. roor. plumbing, ~::llin", nlr
contlilkmlnll, electrlcol. "'''Cho"",,,1. ~eutlty. poollllp". clner 'truetVFDf and non·s\rUClurPI syslems Olnd eomponent;\. r.><Iure~.
!Will-in "ppl,ances. My por$Qnal proPOrty InClu<led '" the colo. and energy ~ncy of the Prop.,rty. (SlruCl...r(l' engIneers ""11!' best
suiled 10 detel1'nine pO~Je deslan or e""~lrltellond""'.ct.~. ant! wlletllor Improvements Arc ctruetur..nyt>eund.)
2. SQUARI: FOOTAGE'. AGE. OOUNDAAIES: Sq......mfooU>90. room dlmlMur)n~. Jot cr.<tt. '-'lIe ofirnpro"otmentoQf1011oundari"". Any
nllmltri""1 st2l1o:menl" TogatOIOg 1tj.. ~tt lIem' are APP~OXIMAiloNSONI.V and hair.&) nOI b .."" VOf1fj~O by Sellet ..m11:l>MO\ bi>
verlfICd by Brokers. Fen~. neage,. _lis, retaining ",,,11ll. "tid ottler notur:!Jl or cans!Jucted b.1rrlers or mllrk.<!!t;; do not """";:M(i.~
id"nllfy trLle Propel1y boundaries. (Pror..."lonBI$ such as Dppraiset$...rchllo<:ls. r.unreyors "lid QVd englneP.fll. are be${ suIted 10
delo,mlno "QUIlIrA {oo!ogl'. dimensloM ~nrt bounc..ri..." "(ttl,,, PtoPP.t\y.)
~. WOOO OleSTROYING PF.5TS: P",-~/}nce of. or c<:.>fleut/on! ~\(ely iO IQ"a 10 1M ~a"noe Q1 woC<! d"atroying I>~I~ ..net orgBtWrM
.."d oiller InfestllMn or InreC1ion. In$PlIctlon repol1" coverlnglllcslO ilems can be separnle<llnto two se(:ltons; Seaion 1 iaenTiti",,,
are..~ Wh9'e l,..,f"sl8llon or infcction is eyl~, SL'CtiOn 2 hjenllfl~ ...roeas vme<" the.... are condalorn> likelY 10 100d to it\t6Slation Qf
,nlt'elion. A rCQISlc",d Wuaur el pp.R1 control comPllny b t1e:sl slJjled to perlocm Ih/l3~ 'n5~C1lonll.
no eo~yr'9nt law' 01 'ho u"ltec St:>l¢<l (Tille 17 \I.S. Code) rOrtllcl1/l<l

~ii1V1iwrtted t~~t'cxIU':1.iQn.of t!"'l\!l.1t)lm. or :In')! Pool'tlon l!\flf60f, ttl £)hO'lDCOpY Buywr':!l. .n~lt'~ t
;t$ ~ }{_
lm;hlM or lInv O,""r mPQ/lI>. 1t\l='JvO,"O 1Ae"lmlJ~ or 'XH1'IDul~rir.edfOrm:-U".
'opynonr 0 100'-:;002, CALII"OOlNIA A~OCIATIOIt 0 ...
"C. ALL ~1('ooHrn flr;SERVE::l
~EALTOr~1aD. ~:~I~I"'t ...IoC
ll!o'~wO<l~y
l\
, 00\8 d
~
=
lmJ,m
IIA REVISF;O 10t02 (p.... Ge 1 01' 2}
-:--'7:'--:::c:=== ...!1e!!:!U!.!Y;.!:F:.t:R~·S INSPECTION ApVISO Y BIA PAGe 1 OF:1
Agon\: Niv.~ S~"'~~n I'll""": (310)4781835 - -'"'iFax:::;';{3~1~O)-;":=~~:;':"~PI'tl;:::::~=-:::-::Il8=lng':":'WJ:;:'N::I':-o......a>--=-~-oI-"-wa-(O""
"Broker: GllJemn 8. Orift'111 RoaUono 13.:J21NeSlWoQd BlV'd w • lml.An clve CA 9no::t4
Notice #3
Exllibits Volume 8
8-72
OO~ 25 04 05109p p.13
16/22/2064 1~:42 3165501531 MARA ESCROW PAGE: 1::1

...................'1 I'l"Cnj
310 271 4~J4i SCr-?2-04 3:57P~; PAGE 11/15
'ropcrty Mdu'l$.r.. u"£ .':....J:..":!'1t n...·"'~~.Y".::r.::~ ..

. .L CA ~O:(l.z ~I~ ~!qC P '~oa4
I. SOIl.. STA(jIUTY: ExI«ten~ of fill or cottlJ)'oeted soU. eJ<9llnstve or eontr.3dll\g sllil, $U!><:e:pOll,lity tl) 1<!!PP"l!e, $elI!1Il9 Q<' movemMt,
aM ,he adequa~ of dralnllQe. (Geotechnical engineers are bel'! stilted lQ delermlne SUCh COn<lltlons. <:aU~ a\'lll remedIC'l.)
ROO!'": Pre!">,,' conO'I,O'1. n\l~. I".........nd r.."",inlng ullGM rOn. (Aoonno conlr:lclors ,,,tt
bnltt ,"UIlCle! tl) delem't1ne I"""" conditions.)
f>OQVSPA: Cracks, '""le>
or op(>f"lion<J PrQblomo. (Pool co"vnqoro."." bcot ~",\o:l<l to dul........otlo 1110= condollOM.)
WASTE DISPOSAL: Type. siz.,. odectuacy. CllpaciIy end condiUon of sewet and ~cplic 9Y"rems anet COmponent... connection 10
s~w"r. and applicable ,....~. •
;. WATEr< AND lJTIUTCS. WELL SY9Telill$ AND CO~PONelll"rn= WOlor Md utHfror ;nIallablfily. uoc 'CSlrictlons :>nd COZ. Water
qU"lI[Y. ;JooeqUllCY. <lOndll;"n, ""d perfOr.n:MlC<! ofwell ~Y.""= Dnd toO'llonMlt:.
t!NVI~ONMl;NTALHA2:A,ROS: Palentlal environmental />>Wlfd". mcludlng. bUt nct Ilmi\Od 10, ~beSlOS. lead'~6e(l PlIlnt "nd olhet
I""d <lon".amln"l~".radol'. mat\lan9. other jlasot.. fuel ci cr dlem\<:al s1Dra9c t3II~~, conllot'l'lnared Wll or wal..::r, h>sZllrdou$ waste.
wnsh. d~posal onc... ~eOlromngn .. "C: '
nelds. nud"..... SOUr""s, And other sub"',,"c.,... ((Iat"ri"I". ProdUcts. ,,. (Qn<!itiQns (Inc;!uditlg
mold (:)lrl:/Omo. t(l)('C or oth4lrw,oe), func;llAl or lIim~.t conbmlnDnlll). (For mor. Informat.on on Ihll~~ I[om.., you mw
con~ull en
"ppraprjalO profess,onal or r....r.l tho boo~lel" ·envjronrMldall("~ilr<ln:A Gulcle fO( Homoownor", auyer», LiMI<lIords end Tentnts.·
'Prate<:! Yo ~r l'alYlllY From ~d in Your Home" or bom.}
o. EA"THQUAKES ANO FLOOOING: Suse"pfibllity of lhe Proporty to ." ..thqulIlW4leismlo hn:::nrd3 and propanGily Of tile PrcP9rly te
flood. (A C:"ologICl Or <'''''olochnlcal Enlllnr.er I.. bl.o, lJUilod to provld" mlom....,'tloll 01'11110,," o>ndili""~.)
1. flf<E. HAZARO AND OTf4EK lNSURANCI:; Tne avl>lUob/lily "1'1<1 (Q~ of necess"ry or o......"a ''19......'1.,., "'By ...ry. T/lc locution "f
the Property in a .oi.....ie. IloOl! or fire /lazard zone. and oUter conditlon$, D~ch l;I!l tho aoa of tn& Property and the <:/aims hlSlotY of
the Prl:lperty am: Buy')r, mav affecl \he ;Ml113bilily ,m!! need for cet'lain types ollollUlanca. Buyer ~I'IO..ld ")(plore Ino.\ltanQ> 01>\10""
","'Iy ..$ tl'\;~ '<If,,rrnotion maY (lff~Gt Olll.,r tllld:llan:;. inclu~jng the mmov<:lf ollol1n md In5~diolll;"nt".. glmcic~. (An i...........l'1cc Dll"'"
j~ be~t JOUM<l10 prOVIde I(\fprrn~tion on ~ condJtlons.)
2. BUll-PING PERMITS. ZONING AND GOVEfUII'IICffT,rU. REQUtREMEN~: PtirmilB. Inllpec;!lOltS. certificate", toni,,5l'. other
gov..mmenlaJ fil'l1ifmJo'1s. ««:frictioM. and rel\tllrettlenlG alfllding ~ current or 1ubJre use of the PropellY. ilA dllYoIQpmem or $1=.
{S~ch information 10 (,vuilatlln from .,ppropriole' govnmmIilJlt,,' "9.mo!eS "nd pIIv"'te il'lfort1lOtion pJt>v;dorn, !:lfokers "'.. not QU3Jlrted to
r':vitoW Qf 'nl",rp,el any such 'nformatlon.)
a. RENTAL PROPERTY RESTRICTIOIIIS: Some <:ities and QOun~e" lmJ:lOS'" re"ll'iClions that limit the amourrl of rent ll'ta! can be
ch3r\llld. ltIe maximum numb..r Of "e:coP'/nlS: and U'le rlgnl of l> I2ndlOrr,l [0 term"",'" a tenancy. Deo<lbon or ollleT'locks and security
,"v<:\o= ~o' ooor::. Dnd ""ndows. ;"'tludinll WIndow bW$. llhould b\\ DltM'llned to Gt\!f!rml1\11 W1lell'lOr !h<>y \'atlllly leQsl r<:QulfQmen\:>,
(Govomment "genClC30 Gan p'ov'<Jo Informallon ..bout th_ "~\nCl1onG 1.100 oth« ",qulr"..... "I$.)
<I,SeCURITY AND SAFETY: StoIC Dnd local L_ rnllY requlra the ltIGlauauon of borrier:!. C=S "l4rm~ se1f..loldlll'lg mechatlisma
endlor oll>er tnellSUrelllo doc..,"'e,o the riGk to chndren and other peliOnll of exil>tltlQ $YVfmrnlng pools anO hot tubs. De. Well a$ varl,,""
f,,,, ,"~fety :;Ind otMf mC~(Q~ conceming otl\er t"OllJl'ell of lhn pt\'Iperty, Compl!Mce r6Ql,IlreltUlOlS diller from city to <:Itv al'ld COu~'Y
10 county. UN.."" ~pt:CJ(ICI1ny ;'1Qrood. the I"ropeltY m:Iy net b... In comphnnelol wl1llltl~O(J roq""omcn~. (l.lX:IIl governrnelll "!l"nCIOD
ClIO provi<le inlorm~t1Ol1 abOut tne:!e re"lnelion~ "rid atil,,, ~tliremonlc.)
5. NElGJoIBORtiOOD, AR<:A. SU80lVlSION COIll0tr10NS; PERSONAl- fo'Ac:;rORS: Nelgh1:lDl1lOOd or area condition", ineh,dlng
"ch"".... proxim,lv ,.nd "dotqU~CY Of 1_ llflfo~nnl. etil'lle S13l1,,~~, Iho Pfo><itrllV or rngistCtCd f"lon" or o(taooan;. fire p'o\<>c:!lorl.
other !JOYPftlm"nr ~eNle('~ I'Vall:lbiRty. nC",qumC')' a~ cotrt of any ~WJfC)tj~ w;rel0"~ lrrtenl'" 'COntm:CUQ~ Of alOOf
1.~.,~orill"unlC<\l'0l1S or Ol~or tc",,"0IOl}Y se>Vf...." "'''d JnllUltklliornl. pfOXirnJly IQ commA/cia'. tndu~fri;.rl or :>oriCJJ1lUn.<!. acnvIJI"~.
e><;~"ng and prOPo..,o tran~ion. construction ..... d developmenl t!llll may llffocl nol.a, view, or lnlllic, 1llrport noise. "alSo or odcr
It¢rn ..ny sou,,,,,, Wild 'l/ld dam"",", afllmals, olhor nul..ence". i'ulnrtls. dt eJrcullUobnces, prote<'lnd apeeles. wetland propel1lG£,
t>ol,~nicnl dln.."",o", hi1;.\Qr.c or ot....,. 9ov"""ment;llly prot,,<::I<>d "it"" 01 Improvement!>. ocMCteJ1(!$. fnIlIlitiClr, nnd condItion of common
areas 'Of common '''1.... 0<11 $ubd,v,sio/'". and poS&>!:>19 !..ok of earnpU"nce ~th ..ny gu.oem1no doeu~nU\ o' Homcown..~ AI\!COci::Iuon
requiremenl!'., cOIld;:101'1S and influenCllS or SgOlhcance 10 t'-"rt:lIln cultures ·andlor religIOnS...nd personal needa, rcqtllremcnb tII"ld
picler~nees of Suyer.
n .... )"l":l' aod :::-01 1(:'( t')clmowlod{ll!' :mrJ .:lOtt'., th.." Bloj(W" tJ) 0o,,", not Cf~dD whot ,,,lee- BlJycr shou$d ~)i' or .sotfU "'Ihovrd dCCl"J)t: (It) OQ~ l'Iot
~.1nIn1ea lh'3:' conditJun Q1 t~1l2' P'ODIPI'\'f:, "d) 006'$ Pot gUAl'.zt.ntoa lI"tc O9rl'tJin'l\Anc.e~ MOQU&¢Y' 01" t;oMpictencsS. 0' iMf3ie~.'OQt'YICO~. ptod~ or
moa;"'; prOVided or mode b~ gellllf 0' oIM"': (iv) sneu not b6 _pOO$lble 10r dontlflling ~efeo!ll1hBL are not XnOWl'lIo BroNI!lr al'lCl (a) al'e not vr.""lllV
ObSfttV&bl6 .n r~Mol'HJbly :1C:,C8s.6a'ble at.ep~ or me Pr0EHPrtY: (bJ are 111 bOrnmol"l "redS: 01 (e) are oN tru;, ~I\P. l;lf the J'1t1P6J'tV; (v) Shal not DR
""'DonBlbl. to, ",.pe<l'no oubloe """'",. Q. I""rffllm conce.n.. o \no lilll> 01' ".... of P,QP»Jty; (vi) Sh.n Il<ll be "_~"b'" IQr IdeIlW)rlnlllhc ~hOn or
1)ouncU'uy II~ 01 c"'''', Itt:m& ..neottrlQ Vl!c: {VI\) .5n\lR ng\ b9 n:-s.pors.ibl« tot wnrylnQ 'Q1JOfC rQot~c, ICp~Osmte&tlnl1d ot oa.w-" or kt'orrt)a.lA)n
COIl\3Jn"" In Invd*"'hQn '~PM4. MUllole L'cbng send!». ad·....memenlS, ftyen:. or _ r promotlonol maloN1.,; ."111) I'lbilV 1I0l be r"...pon",bko (or
plovJaln~ leD.' or 1l>~ advice "'!Ia'd,ng .n~ .opeC! or • tnln••<:IICIl "" d kilO by BuYer or Saller, 0... till) Sh.11 not b.. MSpOtI$_1br .rovldW,
om., .Ovlel> or inlott'lUl~on In.. ""ao""'lhe know)""", ... wutolllon .nd poriet'O(ll\l\lolrod 10 pcrlcrm _1 ••lDt. ficensed ~vHr. BU)"Ir 4'"" $qller
~QtO~ _Q -:.-oJ'. leo"~, U.c, j"~",~,,ec. (,110 ,."d otbflr aa'(b(I ~",tll"'..tncofrom 4OPfClpn..to pfQfv"~J\:lIlt:-.
Ly sIgnIng b",IOW. auyo~ and Sellcr "301l aOkn~"<I90 !hat ij\oy J ¥ = [ ; pt

hllve r e adElra ' aCId 0011>1 r~..d a Copy ~i
~Is Adv.' t"".. ."OoU=o read ItC3....ruIIY.~1
ry. Bur..
I
'. - ~
'or ,gnalure '.,.
!l....
Date
'1-D!:J _
Buyer Sill rc:
-----L~±
7'De
'ivie 5amaan
--_._~~-
Date
nUYE,,·s I~P"CTJONADVISORY (B'A PAGE ~ QF ~)
Notice #3
Exhibils Volume B
B-73
uo~ c~ U~ Ub:U~P
p.l't
I-'AG£ 14
1~/22i2e0d 15:42 3105507531
PAGE 12/1~
wooo DESTROYING PEST INSPECTION AND

ALLOCATION OF COS"t ADDENDUM
(CAR. 1'0,,", WPA. Rcvlo.od10lO2J
T:11$ is an a<;tdendum 10 t'1e (ii: California Reii:lentlal Purchase Agreement Of Other a

_ _ _ _ _--... ("AgreCllYlCtlt"). dsted '~"'Rt"llll:>C7' 1, :--004
on propurty known ;m .'1.:'0 S. P.,,,l! ~r...1"...,. ~Y.$~/.£LJI.i.l..!.2' CA 9.9"'2"'....2 =- .
("'property"}.
belW"~n . "iv-it> Slmz:A;UI ('Buyp.f'l
:md L70".J;P.h l':r;;;:p..il! (·Sp.II~('}.
THe I=-OLLOW'NG SHAu. REPI..ACE 'fI-lE WOOD OESTROYING PEST INSPECTION PARAGRAPH (4A in tho california
Residontlilll Purch""e Agre-cmont (RPA.CA)) and ,;Mll !oupnrnede (lny CQn1licting terms In any p~oultlY-9.,nP.r.'t<>CI
"greemerll:
WOOD DESTROYING PESTS

A. 0 6uyer C& S~ller ..hall pey (or a I-'ezt ConVOI Rapott for wood de1llroyrng p,,$tr. ",nd orgl1n1l;ms only (·Report'}.
Tho RilPort o:~U tle prcp"red tly Sg21.q"", "hoot"", . :a reG;$tt!rod ntluclural pe:;t
control company. wl"10 shalf ""p.. r"te ltle Report Into ~cllQllS ftlr evident InfestJtlQn or infecUon (SectIon 1) and ror
conditions hktlly to lead to ,n(elltOIIQn or In(nct,on (Sl!ction 2). Tho I'<eport "hull cover thIS main bulla;"(l Dnd atl:l\ch"d
tltrUcturl'll' Md. if c/locked: Oil clet:lched plUnges and C:'lrports. LJ do:t:lclled dec~. 0 tJ1e followin!l other ~trucruras
0(1 the Proper1'j: __ . _-:-_~_--:-...•----:.,.---=--:--;---:-...,......---.-.-~...,......~:_:_--::_:~'7" __
Tt'Ie Report sMII not incllJO" roof coverin9$. If tile Pmporty is 10I urlit in a eondomln",1m or otnor common Internst
:;ubdiVt51r;ln. the' Report shall incll,.ldC! only lI1e 1;ep~t1llo in~rest lind any elCclosive-u<le nre.~ bel tmn:oferrcd, andno
shall not ,nclude common area~ Water I€$I:: of shower P~1lS on uPPQl" level unil:l& may not be petfoiTTlQd unlell$ the
owners of property belOW tne eh9wer consent. If Suyer reqUeSlS Inspoe~on of in>l(:cessible areas, Buyer ehall pay for
th.. COlOt or enllY. in!)plOc\.r;ln -"nd closmg for tho,"c ar..all. unlol:s olll"twI".. ~gfeed. A wril~ Pn"l Control C..rtificstion
chnll lie IlOcucd Prior to Close or E!lCrow, unloss Oll1erwl"e agreod. only if no infeslallon or mfectlon 16 fOuPd or II
reql)lrPd correctrve WorK IS completed.
D. (St>cbot11) 0 6uyer £lil Sellcr shall pay lor woll< ,.. commll'nd=d to co=t 'Section l' conditions I;lescribed in lh<'l
Roport and tho cost of ;Mpeetion, Or1try and eloslng of those inaccesttible are:;>s where active inteslatiOn or Infection
I:. dlBcovmnd.
($.. "tion 2) ~ Buyer 0 S"II~'r 6nall pay (or \vork rccornmOilded fo co....ecl "SccliOl'l 2' Gondltlon$ de<lcritled in tho
Report. if requC$leO by BU'Ier.
e.v signing 1:)&'0"", 'lbtl undcr'''9nell "'c knowleClge. U'lat each hns fe;td, unden<t:.ndll and haG NcuiVlCd II copy at till:>
ll,ddendum, .
Dvte ........
25!.t;r~~...:!..r_:<I.'0",a",<I _
Sell¢r
~z~
~w~~--------
:luy.ar _ _.. Se~cr
Notice #3
Exhibi1s Volume B
B-74
Dot 25 04 05:10p p.15
10/22/2004 1S; 42 _.~f.0550i531 PAGE 1!:i

4:00PM; PAGE 14/15
p."
.-
~11)\,~T1.\1 atallc/~'\a'
PAGE ~'3
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;::~.::.::: .-':~~~:':"~":U--'. ""'-' ,,_.., ,. ,.'&11 ..·1"1 ,Jilt

........... ~ n.·.·.,~.
Notice #3
Exhibits Volume B
B-75
Case 2:08-cv-0155 .A.P-CW Document 45 Filed 0 12008 Page 1 of 29
1 Joseph Zernik ....... ....

-< ,... . ,
r: !"' ~.,
2 2415 Saint George St. r:: '.~: r..-: _.)
Los Angeles, CA 90027 \ ...•.

... ~ :."'-~ c.)
~
I . ~. .,r,.::..
3 Tel: (310) 4359107
Fax: (801) 998 0917 -.--1
" ~- .... ~. ,
4 jzI2345@earthlink.net . C)_··:
t';' . ........ .,
""'............. byJo....
5 Plaintiff . ""- . J/~"'.~~=-ph z...",-

r·-· .
!T\' .
V-'. _
in pro per ) .~L. :::;:'34*.rtbIln~ ;._.~
6 DaklOD8.0USlI:38:59
i
;.' '>
r-.·
"'TOO"
• ~.;;:'.. i~)
7 I . ~
I
8 UNITED STATES DISTRICT COURT
9 CENTRAL DISTRICT OF CALIFORNIA
10
JOSEPH ZERNIK No. CV-08-01550-VAP-CW
11 Plaintiff HON C. WOEHRLE, JUDGE
12 J7. NOTICE OF A KEY FRAUDULENT
13 COUNTR~DEDOCUMENT
PREVIOUSLY FILED
14 Defendants IN LOS ANGELES SUPERIOR COURT IN
15 SAMAAN V ZERNIK (SC087400)
AS-
16
NOTICE OF CONTRACT FOR PURCHASE
17 OFREALPROPERTYCO~ONLY
18 KNOWN AS 320 SOUTH PECK DR,
BEVERLY HILLS, CALIFORNIA 90212.
19 CITED IN AUGUST 9,2007 JUDGMENT BY
COURT PURSUANT TO CCP §437c.
20
21 FILED IN U.S. DISTRICT COURT IN
SUPPORT OF PLAINTIFF REQUEST TO
22 CONTINUE, ALTERNATIVELY TO
23 CONSOLIDATE HEARINGS
24 DATE: APRIL 15, 2008

25
26 TO ALL PARTIES AND THEIR COUNSELS OF RECORD:

27 PLEASE TAKE NOTICE of the following document, previously filed in LASe in
28 Samaan v Zernik (SC087400)-
-1-
NOTICE OF A FRAUDULENT COUNTRYWIDE REAL ESTATE CONTRACT
Notice #3
Exhibits Volume B
B-76
Case 2:08-cv-0155 \P-CW Document 45 Filed 0 12008 Page 2 of 29
1 NOTICE OF A KEY FRAUDULENT COUNTRYWIDE'S DOCUMENT-

2 Contract for Purchase of Real Property, which was never authenticated, and
3 which is the product of wireIfax fraud across state lines and against a financial
4 institution, therefore -likely to be considered a predicated act per RICO. This
5 document was knowingly admitted as evidence by Att Keshavarzi in Reply Brief of
6 Samaan's Motion for Summary Judgment, after Plaintiff Zernik had already protested
7 the use of that fraudulent document. And the Court allowed the document to remain
8 as key evidence, overruling Zernik's objections.
9 This contract was never presented in the complaint, and Samaan was allowed to
10 proceed in litigation of real property equity rights with no contract in the complaint,
11 after demurrer on statute offrauds was denied by the court.
12 This document is filed in United States Court, Los Angeles in support of
13 Plaintiffs ex parte application to continue hearings on Motions to Dismiss,
14 alternatively - to consolidate hearings.
15 Dated: April 14th , 2008
16 Respectfully submitted.
17
18
JOSEPH ZERNIK
19 Plaintiff
20 in pro per
21
22
23
24
25
26
27
28
-2-
NOTICE OF FRAUDULENT COUNTRYWIDE REAL ESTATE CONTRACf
Notice #3
EXhibits Volume B
B-77
Case 2:08-cv-0155 xp-cw Document 45 Filed 0 12008 Page 3 of 29
1
STATEMENT OF VERIFICATION OF NOTICE OF A KEY FRAUDULENT
2 COUNRRYWIDE DOCUMENT PREVIOSLY FILED IN LASC
3 IN SAMAAN V ZENRIK (SC087400)
I, Joseph Zernik, am Defendant & Cross Complainant in Samaan v Zernik
4
(SC087400) matter heard in Los Angeles Superior Court, West District, I am also Appellant
5 in Zernik v Los Angeles Superior Court: (B203063), and also Plaintiff in Zernik v Connor et
6 al (CV 08-01550) matter heard in the United States District Court, Los Angeles, California.
7 I have read the foregoing Notice ofKey Fraudulent Countrywide Document Filed
8 in LASC in Samaqan v Zernik (SC087400):
9
NOTICE OF CONTRACT FOR PURCHASE
10 OF REAL PROPERTY COMMONLY KNOWN AS 320 PECK DR, soum
BEVERLY HILLS, CALIFORNIA 90212. CITED IN AUGUST 9,2007 JUDGMENT
11
BY COURT PURSUANT TO CCP §437C.
12
and I know the content thereof to be true and correct. It is correct based on my own
13
personal knowledge as Defendant in pro per in said case. I make this declaration that the
14
foregoing is true and correct under penalty of perjury pursuant to the laws of California and
15 the United States.
16 Executed here in Los Angeles, County of Los Angeles, California, on this 14th day in
17 April, 2008.
18
19 Joseph Zernik
20 Plaintiff
in proper
21
22
23
24
25
26
27
28
-3-
NOTICE OF FRAUDULENT COUNTRYWIDE REAL ESTATE CONTRACT
Notice #3
Exhibits Volume B
B-78
Case 2:08-cv-0155 -\P-cw Document 45 Filed 0, 12008 Page 4 of 29
1 Joseph Zemik
in pro per
2 320 S. Peck Avenue
Beverly Hills, California 90212
3 Tel: 310-435-9107
Fax: 801-998-0917
4
5
6
7
8 SUPERIOR COURT OF THE STATE OF CALIFORNIA
9 FOR THE COUNTY OF LOS ANGELES
10 NIVIE SAMAAN, an individual, Case No. SC087400
No Valid Assignment On File
11 Plaintiff,
12 v.
NOTICE
13 JOSEPH ZERNIK, an individual, and DOES 1 OF
14 through 20, inclusive, CONTRACT FOR PURCHASE
OF
15 Defendants. REAL PROPERTY
COMMONLY KNOWN
16 JOSEPH ZERNIK, an individual, AS
17 320 SOUTH PECK DR
Cross-Complainant,
BEVERLY HILLS CALIFORNIA
18
v. 90212
CITED IN
19 COLDWELL BANKER RESIDENTIAL
JUDGMENT BY COURT
20 BROKERAGE; MICHAEL LIBOW, an
PURSUANT TO CCP §437c
21 individual, AUGUST 9, 2007
22 Cross-Defendants.
23
24 DATE: NOVEMBER 13, 2007
25
26
27
TO ALL PARTIES AND THEIR COUNSELS OF RECORD:
28
-1-
NOTICE OF CONTRACT FOR PURCHASE OF REAL PROPERTY CITED IN JUDGMENT BY COURT
Notice #3
Exhibits Volume B
B-79
Case 2:08-cv-0155 \P-CW Document 45 Filed O· 12008 Page 5 of 29
1 /1/
2 PLEASE TAKE NOTICE that on August 9, 20007, Judge Jacqueline Connor of
3 Department I, Los Angeles Superior Court, granted the Motion for Swnmary Judgment by
4
Plaintiff, and ordered entry of Judgment by Court.
5
As such:
6
It was ORDERED ADmDGED AND DECREED that PlaintiffNivie Samaan was awarded specific
7
performance ofthe Contract for Purchase of Real Property known as 320 South Peck Drive Beverly
8
HiHs90212.
9
10 Exhibit A is a true and correct copy ofthe Contract for Purchase or Real Property that was
11 introduced as evidence by Keshavarzi in Plaintiffs Reply for Motion for Summary Judgment. This
12 Contract for Purchase of Real Property served as the basis for Judge Connor's Judgment by
13 Court entered August 9, 2007.
14 This Contract is held by Defendant as an offending document, to be reviewed as part of pending

15 Motions for Sanctions Pursuant to CCP §128.7, for the following reasons:
16
a) Plainti/fftled in 2005 claims without a Contract: In October 2005, Samaan filed claims in a
17
real estate specific perfonnance with no contract that was the basis for such claim. Zemik submitted
18
in November 2005 demurrer pursuant to Statute of Fraud. Judge Connor denied such demurrer
19
without ordering Samaan to amend her claims. Such contract was eventually introduced as evidence
20
only in plaintiffs Reply for Motion for summary judgment, heard on Aug 9, 2007.
21
b) Multiple variants o/the Contract were produced in discovery, but none introduced by
22
23 Plaintiffas evidence until Reply to Motion/or Summary Judgment: Among discovery documents
in Samaan v Zernik, Zemik identified six (6) different variants ofthe Contract. The Contract
24
introduced by Keshavarzi in plaintiffs Reply for Motion for Summary Judgment, was one of two
25
such variants that were included in Samaan's Loan File produced by Countrywide in response to
26
subpoena for documents. This contract was never found in Escrow file for this transaction, was
27
never found among documents produced by Libow and Coldwell Banker, Zemik's realtor, and most
28
2
NOTICE OF CONTRACT FOR PURCHASE OF REAL PROPERIT CITED IN JUDGMENT BY COURT
Notice #3
EXhibits Volume 8
8-80
Case 2:08-cv-0155 AP-CW Document 45 Filed O· 12008 Page 6 of 29
1 significantly - never found among documents produced by Plaintiff, who was both buyer and realtor
2 for buyer!
3 c) This Contract document was never properly authenticated: This document, which was the
4 product of fax transmission, was never properly authenticated by any reasonable standards required
5 for authentication of faxed documents. (e.g., see for reference Rules of Court regarding
6 authentication offax filing with Court Clerk).
7
d) The preponderance ofevidence shows that Plaintiffs claims regarding identity ofSender,
8
Receiver, and time oftransmission are allfalse and deliberately misleading: The fax cover sheet,
9
as well as declarations and oral arguments by Samaan, Parks, and Keshavarzi represent this
10
document as if it had been faxed by Parks, from the State of Washington, to Countrywide, in
11
northern California, on October 25, 2004, 5:03pm. Such claims seem also to be supported by the fax
12
cover sheet and the fax header imprint of this document. However, these were not the true facts in
13
this matter. The anonymous header imprint was routinely used by Samaan during the transaction in
14
2004 to fax documents that appeared to come from Parks. Samaan's fax machine log was
15
introduced as evidence by Samaan herself. Exbibit B is a true and correct copy of the fax log
16
introduced by Samaan. Added on the original document are comments in Courier font by Zernik,
17
and stars to show the instant transmission. This log shows that this Purchase Agreement document
18
was in fact the product offax transmission from Samaan to her husband, JR Lloyd, and not from
19
Parks to Countrywide. Therefore, we do not know what time and by whom it was transferred to
20
Countrywide. Therefore, the transmission of this Contract for Purchase ofReal Property was part
21
of the wire scheme by Samaan and Parks against Zernik and against Financial Institution -
22
Countrywide (albeit with full cooperation of Maria Mclaurin - Branch Manger at San Rafael).
23
e) Even if the purported/ax transmission data, as claimed by Samaan, were taken atface
24
value, this Contract contradicts Plaintiffs claims that were thefoundation o/this litigation as a
25
whole and the Summary Judgment in particular: Samaan's claimed-
26
27 1. That her loan funding was delayed only because of Defendant's missing initials on a Contract faxed by Mara
Escrow on Friday, October 22, 3:42pm -yet Samaan removed the Loan Contingency in response to Notice to
28 Buyer to Perform of Oct 18, 2004, and the instant copy of the Contract shows that it was transmitted by Mara
NOTICE OF CONTRACf FOR PURCHASE OF REAL PROPERTY CITED IN JUDGMENr BY COURT
Notice #3
Exhibits Volume B
B-81
Case 2:08-cv-0155 I\P-CW Document 45 Filed O· 12008 Page 7 of 29
1 Escrow on Oct 22, 3:42pm, and it does bear Defendant's initials and signatures.
ii. That she did not remove the Appraisal Contingency, since the delay in Loan Approval delayed her appraisal-
2 yet Samaan already had an appraisal that came in at purchase price,
3 iii. That yet another copy of the Contract was transmitted by Mara Escrow to Victor Parks later than Oct 22, 2004,
3:42 pm - but no evidence whatsoever was shown to that effect -- bearing Defendant's initials and signature.
4 iv. That Victor Parks faxed this Contract - purported to be the Contract document noticed here - to Countrywide
on Oct 25,2004, at 5:03pm - but the fax log shows that the fax transmission of this document at that time was
5 from Samaan to Lloyd.
6 v. The purported receipt of this Contract by Countrywide on Oct 25, 2004 at 5:03 pm caused Countrywide to
immediately approve the loan (but on October 26, 2004, Samaan purportedly received an Underwriting Letter
7 stating Suspension of the Loan Application), which led to immediate approval ofthe appraisal, which allowed
Samaan to remove the Appraisal contingency - but Samaan removed the Appraisal Contingency on the morning
8 of Oct 25,2004, prior to the purported receipt of the Contract by Countrywide.
9 vi. That Samaan removed the Appraisal Contingency on Oct 25, 2004 before Zernik issued Instruction to Cancel
Escrow - but Zernik issued, and Samaan received the Instruction on Oct 21, 2004.
10 Regardless of the offending nature of this document, this is the document that Judge Connor
11 referenced in her Judgment by Court, deemed entered on Aug 9,2007, as the Contactfor Purchase
12 ofReal Property. Therefore, it is the instant document that is the foundation for the Specijic
13 Performance ordered in that Judgment by Court.
14
Defendant Zernik is noticing this Contract for Purchase Agreement at this date, since:
15
a) Such document was never presented by proposed Referee Judge O'Brien, as part of
16
documents that would have formed the foundation for his authority as referee, if appointed. Those
17
documents were supplied to Judge O'Brien by Keshavarzi, yet he failed to provide a copy of the
18
Contract that he introduced in Court as the basis for his claims for Specific Performance.
19
20 b) Such document was never included in Plaintiffs Motion to Compel Appraisal, although that
21 Appraisal is founded on Specific Performance of this Contract..
22 c) Such document was never included in Plaintiff's Noticed Motion for Appointment ofa
23 Receiver, although this Contract would be the foundation for Specific Performance executed by such
24 proposed Receiver.
25
d) Such document was never included in Plaintiff's ex parte application for a Shortened Notice
26
Motion for Appointment ofa Receiver, although this Contract would be the foundation for Specific
27
Performance executed by such proposed Receiver..
28
4
NOTICE OF CONTRACT FOR PURCHASE OF REAL PROPERlY CITED IN JUDGMENT BY COURT
Notice #3
Exhibits Volume 8
8-82
Case 2:08-cv-0155 AP-CW Document 45 Filed O· 12008 Page 8 of 29
1 Therefore, Defendant is noticing this Contract for Purchase ofReal Property, which was the
2 foundation for the claims of Specific Performance by Plaintiff, and also the foundation for the
3 Judgment by Court of Aug 9,2007.

4
5
6
7
JOSEPH ZERNIK
8
Defendant and Cross Complainant
9 in pro per
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
5
Notice #3
Exhibits Volume 8
8-83
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27 EXHIBIT A
28
6
Notice #3
Exhibits Volume B
B-84
Case 2:08-cv-0155t iP-CW Document 45
Filed 04 ,2008 Page 10 of 29 .
Uo~ ~~ U~ u~suap p.l

Fax Cover
Victor Parks
(888) 575~S693 Direct
(509) 271-7845 Fnx
J? Urgent o Please Review o P!eose Approve o Please Reply
To: ShawnlOonna
N"mber of ~!J"I 15
From: Victor Parks (U\C!lJlhllg eovor)
o.te. October 25, 2004
Comments: Fully Executed Purchase Agreement wI Counters (Samaan Approva~
Notice #3
EXhibits Volume 8
8-85
Case 2:08-cv-0155l "p-cw Document 45 Filed OL, ,'2008 Page 11 of 29
'01;. ~~ 0.. 05 t 03p

p.2
10/2~/2ea4 15:42 3105567531 MARA r;:SCROl~
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Notice #3
Exhibits Volume B
B-86
Case 2:08-cv-01551. Document 45 Filed Ot., 2008 Page 12 of 29
Oo~ 25 04 05&03p
10/22/2004 15:42 31055e7531 MARA 1:.!::iGl<UW r'M\OC;, 1:1':-

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Notice #3
Exhibits Volume B
B-87
Case 2:08-cv-0155l
Document 45 Filed O~ 2008 Page 13 of 29
UOT. ~~ u .... uosu::tp p .....
16/22/2064 15:42 3165501531 MARA ESCROW PAGE 6q

..._... U.. VlioIL..urvc:.\.L DAt\fl\,t:t'C;
310· 271 463<t J 8&-22-04 3:49PM; PAGE 2
1.• 33G c 000.00
_.-..._-~~:;:=:;;;;:;::;:;:;;;:;::;:;;:;:;:;:;:;:;;;;;::;;;;;;;;;;;
l5. iAi:A1'ICe. 01' PU~tnAsJ! I'IVC£ (nor Il\IIIucllnO 00&fs 01 OIllllln~ lI7aIlund Ol/Ier doslllO COlli) Il\ the ,mount 0 1 .s _J.!!L-o..o..o.....o..Q
to be dSIlO$':led \\lkl\ E$etOlY HoltfOr wlll\ln llul/leltont ~ to clO$~ ewow
p. f'\JI'tCHAAJ: fIl:lIcr (fOl'A'-)·. • ••• .••••.•.•••••• S :t« 670, fJOa. Of}
C. LOAN Af'PLICATlOtl,,: With... or (... Q ) ""'YIi Afttl, AcooptllllCll, &toyer lIha1l provldo Selot IIleuor I'mItl b\I1elf or rnoflgllQt'lOlIII
b<oI«oot ~"'Idlg tll~ bIo~d on :l 'Gvlaw 01 Buyo"!. wtDIO<I IIPplICIlUOll Mel eleGit fl/Port. tllIyvl os. ptel¥'allfled or PlllllPPlOVed tor fIJe l\I!W roen
_clflfld;n2CO~q
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1110 loan COMlI!l"nr;:y 01 canc:al ml& Agr_nt OR (\II tlf cn~ed) 0 tbe mil oontlJJll'llI;y 1lhP1. ~~lrt In aff9Cl umB "'" <Ie!Olgn"", bIl"" "f't
'lIIlIleO.
J. APPRAISAl. COffYIN(\(RCY ."0 RENO\fAv Th"'AD_m..nl~ (OF!, 1I'~~. CJ b NOTJ "'IIQ\~ "90" tile t'rapell)' BPIK""""9 I£t no
less -.." t'IIt GQeCiGod pUrchas. Ilrlclf. Irll\ltt~ 1'\ I' 'CW1 conllngllnc:y, Ollho limo lila 10 oo~, III _wd Cor.lfdlQCll6d. :lil W111ltft '1' (or
Q _ _ ) Dav' All,., AccJtptanceJ. auY• •" Ir.I f\pocIfIed '" ,*"",fIOp/' 140(:» _Ibc> ~...iWlI «IltlbftOclllllY or tlI/IQOI 11m P¥ccmtll\I.
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AoreeJlleI1t. If 8uyer dges nol obl;>ln tile 10M and #S1I nu;ult IlI\I)'WcIo"" not puldtllSO tllo PtllI'CIfy. :logo. m.-y I>e ....liIIc'lI to Ovyqf.. "COO'll~ or
C>lI1c' ~1I1 r~l/""df&"
.... D AI.L CASttor 1·1:1' <11 cnccI\ellj: NO Iq:1l1 OJ rn.eoe<l to PU~lse me f'lOpalt\'. I;lu~( 5/1111. WJIIJin ., (01' 0 ) Oayl'l Aft1ar AllQ.Ul)llI'Ioe.
ptovJde SlIkr Wfter.tn v!:ti(lC3hon Of tIltl1c:lellt tuna, to elose thIII tran$llOllc)R.
s. Ct,031N1:. AND occUPAflCYI
flo. eu,.r """nd, \or ['j d...... n~ lIII....d) 10 DCCUP~ 'l'lfr Jo'rof,lArly In t\lapl':l PIlm3/y .... ,,~.
t»
II. ~n~·O\,(,Wl'*d .... vocantpt0POttY: ()e(;upancy th~lIl)O "eli_II til $War lit ~tL.- 11M 0 PM. 0 on 11IC'I1I~ of Clo'$t' 0' C,crew;
LIon : 0'0 110 tater lIIlIn _ D8't$ MM C1~ Ot aer-. (CAR. Form PM. pa h~) II b1I1t$fo.oftll/Jo and
O1:WP:I"c:)' <10 not QCCo>r \1l1hO ll2IIM lima. ~t and ""ellat ate ~d~d to: (I) efllG' lnlo III11ri1ten _PAne, n . 1_
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Notice #3
EXhibits Volume B
B-88
Case 2:08-cv-0155l
Document 45 ,2008 Page 14 of 29
uo~ ~~ U~ UOIU~p p.~
le/22/2604
v_' •• u ••
15:42 3105507531
\rV1-U"';\,,- Dfo\rfl\.t:H;
MARA ESCROW PAGE 85
310 ?71 4G34; Gcr'ZZ'04 ~:~OP~: PAGE 3
Notice #3
EXhibits Volume B
B-89
Case 2:08-cv-0155t Document 45 Filed OL, ;2008 Page 15 of 29
Oo~ 25 04 05104p p.G
10/22/2084 15:42 ~105507531 MARA ESCROW PAGE: 86

• -' • - _.. .. ........",~""... \I....... ,,-..:;n, ~lO 211 4834; SEP·22-04 3.51rM; PAGE 4/15
l~l ., lin!, OIlIClIOlture O' notOCO' ~d In 1IAil i. "r ~Ilt or _doll cfllll1lo~tJIO or 1101100 II CICIIvllroo EO l3uyer . . . ,.. onor III SlgnCCl,
fNyor :,hoJilIOVC lho ~ 19 c:ancollll~~ wlll\il\ :I D,,",NIJIf ClIlllilGl)' In pellOlI. or $ 0»1" ~ ~llVOtY bI' clllP~ n t\1a 1lIlI4. 111I
~ -IIIbl1 AOIIU Of UtlClllbrlJOl\ to &.IJef 01 setrer.lI9o:JU. (Lall\l DI$lllQOIII'8S 118m by mall muS1'" ."", GGrtlfIed IlIsI or lletM,.~
(o.l " . ~ 8vyttr anll 3011"" Waive, 0' :liV\Vtol)" .onlll.eaG OlscloG\lm is probibltllll bY laW.
e. NATURAL AND eNVIRONllIIl!NTAL HA7..AROSt \IIIlltlin th6 _ cPKIII"" In ""GIll"''''' ' ... $Htt, $MI. It 'CQIIItl>II by UlYI; fl) _ 1 0 ()~,.,..
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Nitti: F.arthoU3ka l'''Utt %o~o: $eIllIl\ic HO%'", ZOIle: eJ\o' (iii) lIiltGIoca IIny other:tone ... ~ull8d by LaN Olftd p~~ lillY lllher iIlformllUon
,,"lJlrell fo'~_
C. DATA DASt: DISCLOSUR[.; NOnel:: TM ClIbftl/lllll oe~ ot ~IiQO, IoflO..:tr. ctDjl~-' pellcooo ~ S6IW19 JunsdlCbOn. or
2!JO.ooo or more ana mati)' 0Vler IOc:aIIlIW en~ertlItnl .CllhD~ 1tVIf1llDlf\ for pubDc l l _ II dDbI baM or lhD Il:1cooIlont or ~tllOlIS reqlllfeO to
1fl9l!;ler Jl\/l5UlIfII lEI 1'818l1raplt 11' of 8WdlYiston (~) of section 2!lDA aI dIG I1N1aI Codlt. '!'he allw !mot 15 upcIldCd on a qll8l1i!fly baf18 IIIId a
(j'
,ource 01 ~bOl1 1Il)6u! the pr..",'lC:H \JleM lnclivIcllnl, In lillY llGlIilhllOlllaod. Thco Do~1ll Of JU!lllc. Dleo ~\illrA1Iv,I ~ ~oAIl OJro:nW
raCftllf t;IllOn lJIV:I ""OUll!' wltlCh Iltqw...~ Ilbout ,nll,YlcktMoo MIll}' Da 1lIACfO. Thl& .. II "IllIO' t&lef>bOl'lO $/INlOt. call81\\ rnu'lt ~ GClfCll'IO IIIfolJrlOWn
!llIout Ind"lklual21hO)/ II'" c:I1ol:lang. hl'"MItIbon fIl9lonllnll flDII)IIIIOI11OOdS" 1101 avlJlabIe I/lt'OIIgh 111,,"900" hlIllJlnotie $8rvlc:1t.
8. CONDOMINIUQlPlAkNSt) \lNIT DJiVEL.OPMI:NT DlSCLOSURe5:
A. Set.U!ft "AS: 7 fQf' U ) DJora Mot }oCOopr.,nce 10 dIXl~ 10 ~tI)Illl' wnOlllef lI1e ProJlllfb' IG a e6ndcmrnllllll. or b IoC1ItfId h a
pt""'led u'li; dcYGlOpIYlOtII 0' Olhlll COl'nlllon IIIrtWGt WOClN"lOIt (CAIt. l"_ SUD).
a. u II\C PrOpe/IY" a COtldlllnlnftlm Of lslOG8l..a in" p/,fnned 'JnIJ lIo""",pmont or 011>0, _ D.. lntot-t :l~n. ::C11cr liN 3 (0' 0 _ J
Day. Nllt. AccelllfllCelO IQq"est from lb. HC:lA (CAR. FOM\ HOM: (I) Cop~ of:on" dooumenls ""llllnld by L....., til) <l1ccI-.1'O OT MY p.IIlCntlQ
M ;lIl'lClp;t1Qc1 QUlM 01 '\'lJ"1"'"
bY Of llgaln$t \tI~ HQA; (Ill) II ~nl c;onlllJ..btQ Ibn locMlon IUIO IIIIInber Of ~\Q11IltaCl pallllllD ..11II "'IOf'~"
lIJ101l:11'l: 11v) CoPII:~ of rm. mo,' ~g:nt 12 /ttOI'llhr.4f HOA /lll1lUfl::l1tlf ~.t tlltlf ~ meell/'ifIs: 11M (If) m. tIlIl1WII\ ~CS CO/IIlIU dIlnNtlQlt of
"'I HOA:r 9""......."9 11\" Ptoperty 1e6l1edNely. "CI OlaCIOlhues'). SallJraltalllllmh:o-llIICl c1eliwr to B!I)'DI" ,II Cl DlS(lOlItl18. received frQm (M H~
lUIlIlIII)' CI Drtd0Sut85 ,1l3ellet'.. p_Dlon. Buycr'S~IlPIVV8Iote. DbdosutllO it. a ~ qll/!ls Aoreementa"- ~dtU>d 1/1 potII.,...,.h 14.
7. CONDI'J'IONS AFI'C<:TllIC PRQPI:rtT'Y:
A. UIII_ OIJ\t>IWI:lO 4j)rc1cld; III rna "Pt"OpNty ... _eI (II) .n I~ PAASf".)rT J>ItlII.IO'oI .,,,,,,dltlon .... or tIIo _ of A~"" <iW\Cf tbl 1lIwbJOQI It>
811'/III"6 .n-.tgatlon r1911W: (II) &hI" p~. In(k.JlIlIIg poo~ ,pIt. "'~PInlJ ;mil pt0un4a. IS I/) boo ~m:rlelf III $Ilb$lOnllSlI1 me ~
conclobOn as 01' the <Illlll of Acc:epliJnce: JI""
(Iii) 811 lI,btlso ,,,.,, pOl1l_f ptQllOJty noIlnc:1Udaa jj, tIl~ 5Ilta .. tllill bll rel\'lOYCd l)y ClOM Of &;screw.
e. SaLt::~ SHALL. .,,!Utln 1'1. UmQ 6IJ)P.Olfi,od I" f'8"Illnlph 144, DJlilCl.O$G KIfQWN MAl1iIW\1. FAO'TS ANO DereeY~ .rt'OCIlftll tM
P601Jl'~. ,noJudlng kno..- lMOu...." 4:'.;"'"
wIUl... ther ~l IIvw '"~ ANO MAKl! OTHl!R DUieLQ$URU RCQUIRm ft'( lAW lCA-ll
'-_05D).
•• N01& TO 9UVGR: VOtl P'" sltongly oItdm", W 4CW\CUCt 1l'WW""8'\tlomo of lJie entitt PlOpofty III Ofdet to 4tmJ.m1nt1 lt$ preMtlt oonditkln
$tnofl $$Iler mllY not J:ljt _ . . or.,l' 4~ 'Iff~ 1tI. p~ orotlttr.~thlOt you alftllld.... rlVlpolbtnt. ~ ImQlOIIMIOlt1'S
nl.y not be bUIIl.::lUArd..." tv coda. In e<>mpl.." .... wlUl counonr Law. Of ~ ItttcI
D. "On. TO SCL.1.t:M: liuycf luis th6 ng", UtHt. peMI_,....
10 'nlJPKll\'le I'ftlPW1lI al\d, as speculea In """'0'I1lb 1"9" llRfd Upon InftIrJtAtlon dlllOClYeJ'fd In
.r._lll.~t ftl-COI tI1"~Agl4Jament:01'(1) nlQtHl'I~)'OIIn111k»RttPaI"'C1rtalle othet4ll1tfon.
II. !TCM$!HC1.UPCO ANO E!XI;l.UOED:
IA. Note TO flUVI!'~ ll,Nt) !1"I."~ llDm", Ildotd U "'CIloldc:d or tllfCluucd III tloa MLS.1lyen t>J ~.., ~~ ..... 1t>Ql: I~ ill tilt:' putlih_
_ Qr OllCltlOed "","Iho ""0'"
lJl1li:u 5P"c1AiI'd ,n ~11 ~, C.
9. rrEMS INCLUDIiD PI AAU':
(1' All CUSTINO flxW..... af1d IlIIIngo th:>t"'" llIIDGIled to Ibo f'/opMy;
1~ 1::".....1\1} II/Ooc1nc1lL n1~rl\""I~I. 'lOhMD. lI/II1IlllJJlO ono IIUll1lJlO fbauretl. COlhll5l f.11G. f1/11p1~010 10lC4/b, OISCI IaV'" _ e-. ado. ~r..tcma.
buMn 8pplra~es. WIndOW Illd ClOOr $Qltltlns. aworlnos. $Ilvlle~. 11I"...60\11 C1NQl'IllgD. l1II.teh1ld Iloor coverings. &llevlslon ...,.~nnell. 6IIIZIIIto
cl/Shtlll. private IIlI6{IJI\IId ""~ 1l)'$ltl1Jl$...t, COOIerW"""dIll_rs. pooVcpm C1qu;pmlNIt. $ 1 _ door o.... -m..._ .. contn>b. mailboX.
I11-9I'OUIl(l IIM.r:aol~Q. tr"ell1~hrul>3. _ ..... 001\_. WIll", Pl/tllia.... lIO;uri!y sY""'n\SIlIl/W'tI'tt: Dnd
(31 fhto ~lInwlr1lJ 1lO,"~' . ~ _
(4) s;.; rop.o.onl~t~ "'. kell1ll1lldlldt!d In lI'Iv purdt~ pnce, IlItIeStl OUl_iH $peClf~ 1\10 owned by Seller.
<:. (0)
ITIii~Mt«:LlIDID
,1m.
AllII'/lIIIlnctudfodI-ltOMSALe:
Il9 UIln::lwrMd ",.,. of .rIt\~ 811(f WIIIIOUI :'l1ll1lJ1 WlItr.nlY.
• ~~_
9. BUVeA'S 1NVE81'IGAnoH Of' PROPeRTY ANDrAAT'r1;flS A"FE.CTING PROPIlR'rY:

A. 6uyerll lIo:t/lwnee of I'IlJ collditlor> of. 8J1II 'Ilfl'f other maW a«dllll lJut Pr1)perty. III ". MIlIIno""cv of !hit Ap""'h1OIlI 1111 ,poo:.ilIold lit thl,
p»r.llllr~h "ltd P;/t3l;lPPh 'oft:;. W~ _ _ I...... "llocll'ood In jl....0>9ll1On 140(1), £ltl)'t'I' ..nllll ! l _ IhO tIIlhl. III O~~ ~D~n=o unlllU Ot'lQI'Nil:o
&gfuOll: 10 ,.QfllI\le:t 1CI~0f18. ,"ve.l~llll/lS. tes1$. 81lNeytl and Cld1e' SM"es ("Ilu}ol:r lnlllStfgellOO's1. Il1ClUdlnr;t. bUI not Umilect \I), the Ibltt 10; til
otlspeC! tOIIQIl·lliIf4Kl Oil"" lind O!IIQ! 1..ad~1I8CKI polllI nln:$lll8; [II) 1n'/l1I~ for WOO" 4C$lroylng pem and Ofgjlll\!srns: (Ill) _J9W 11.. "'!I1l't~rO!d
aOA <>ll'unllCI /1;>1_: (IY) COft'""" _ 'n<lIllIl\lllllY"tII B_r ot\CIlha Ptopoottr. .nd (vi ~Iy B\lYM A& 10 ""y n\IlItH "'P"'~ iii I"" Rlbtc:he4
~r'5II1Opec;\)On Adv.~ory IO.A ~ Form OIAJ. WIIhotlt.flOIJDl'lI )I1\r;1t WIlUQIl conNn!. Ouytlr .,,,,"1I1lO1IItIlf MA~ nOt <:11...... 10 bv fi1OdC!: (;1""'0_
01 deMI\lOl_ S"Y.""Vlntilr..Il_: .... m,
In.p"Cl....... by loll bul1ll"'S or otOIWlo ~dOt or ~lIt cMplOyOo. ullltt... ~,...d
bY ..."".
e. EIIIy.lihall COJ"1I)~O 6uyar 11tVe$\lg~"""" ll<ICI. ... Wf'9OJIIood In P"""IItoph ~~D. ............... "",ntI"lIlInc:v 0' ....~0Il1 t111l>1I1Jt_1I1Of1(. 0 • • "lIalt 0"'''
toOl"" n~ no ClCMoI. ~ CoPlftfo ol.zJl rtuYot lnvedJQ"o>llD" ~OI\I> otlla/IItcI bY 011)'0". Sft\JIIf /tllnl MIlICI' ,,. t>roperty IMr'Ilblo f{)r 11I1 Bll\I~
So,..,""'" "'"t.....
In~...,_
mad.. "I/"'Ial>lo lD Buya,
h"vII
. -t')/
1110$. ll'1e/lCtfCl}' anlf liD opemble pl/Ql IIllI'I$ 011 ror SIJ)'Orllln\lO~aflgl'l$B'l'1 UllVUlllt ItICJ i;letllllO~ion i:l
RII~,~lmlrllllJ(~~.
Cl)l1yngllll~1981.200:1 c:AUl'Ol\NIA ASSOC'':'1ION 0- llr.AlTORIiIJI.INC. S"lIOI"o Im\lal••( )(
""A·C" AlMSEQ ~0I02 (~AGE 3 01' &) Iw 0"'. Il............,
CAt,IFORNIA RF.morNflAl. PUIlCHA.CfP AaRp.FMFNT (RPAoCA "AGe:s or D)
Notice #3
Exhibits Volume B
B-90
Case 2:08-cv-0155( ,P,-cw Document 45 Filed 04
-- 2008 Page 16 of 29
p.?
16/22/2004 1~:42 3185581531 MARA ESCROW PAGE 07

oC'¥ I tIY: UULlh'IJo. L" DANKeR;
010 271 4834; SEP·1.2·04 3:52PM; PAGE 5/15
Pro,.ertv~:,,3,f.P
.. S" ~ad: nd:JCP -.""'7 PU], • .....A OOftt Datq:8:'CJt~ 299'
10. Rl!f"/llRal ~p,,,,. ,lIOli bf ':lO"'PJalC<l onor to final lI'Or!ffc8t1on or ~1\Jo" unlO.u ol/totWl~ '"9toUNJ 111 wrlIIng. ~d II) tlG ~nMlIllt $ell"""
")(1'0_ moy .... I1ClfOl'mtO Ill' tjoflqr or 1IV0\IlIb eM.",. poovldocllllDllhe _tic tflMp_1t<l1ll "pD/ll:::lb/a ....,. inCllJdilllJ QIOV*tnmont'" 1100""11. 1l>",~1\
a/lll 8~1 rDqUIIIlnlMt.\. ReJ)8Jrs ShaD II. ptrfOnnelf I" • Oood. akIIrful m&n11Cl' wit" rnetaIIalll of QUlIIItY and IlPpeara~ CllRlJ)lII/lIlIte 10 exl5llnll
ma1lt~. II 1$ I/qGGratoClCI \Il~ _let I'8l1tOrallon of llPJ)8arallCe or ~1Ic llaIlI roIJowing pi RIlPlllt» may not be J)ClbillJa. S$ller 5ha1l: fA 0bIatI
~c1pb ror fUl>.." plI!fOlmec!lly oilier•• (H1 orellatt D WI'11IDtl aral8mOftt lII(1lo:J\Ing Ina ~r.. polfO"""ll bV s.tI!r AAI1 the ~ of suc/l ReJl'IrC: I)IJ
II'" ptoV'Ilft COP.... ", ..-opt...nc1 ~~.....n\ll t9 9uyc' IXIOI' II> 1I11l11 vcrfle8l1ol\ Df COI'Id'flon.
i1. DUYER INDDINITY ANn $eLLCR rRatr:(:TIQIt fOR DI/TJ(V UI"ON rftOPeRTV; 8uy811tllll: (i) ~p II\e t'~ 1teO .nd tlbat Of lell$; "i)
RlIClillr lIlI d:lmage ado1ns lrom U\lyllr ",.-algollon.. lllI'd (iii) ;~lfy~ !lOkf SeIIl1I1:1Il'ft1c=IO f'n)In 4111 'il:W1~ li;lbifitV, clAIm:>, ck1lI~ darn8g0lC
olld CO&t$, Buyer sllaO ClI"1. or ~.':shall fIIQII\te "YOPr IlCllIIQ on ew.... ~ to c::ury. IlOilo'" crlliab1lIly. -.Jalrc' ~ . n >Itld oUlet
GfI,OIICllDlD ""I/fB/lCf. aofll.tw;tlno lJnll Pfo\C~n!l $<:lWr :mm lIubft~y r011n/ 1nJ1//1II' to I>OmIln~ or PlOpllllY oceum..o 9llnno IJt'f'I BUYl:'r InVMllgabonll'"
Wb~ done Of) thO P~ro,:tr. lit 9uY"rf, dl~CltOfI pri... \D ClOIO Of ceo-. GcII", .. oclvlllCld lhaI ...ttafn ~e1_ may be ~
"Nodce of t1D~tJ;lily' (C A.flo f'OIl'l HNR) lor Buyer 11l~1IDns .1Id work 11_ 0" the Pt'ol/flfly lit 8IP' dll'Ad"". 8u~,.. CbJ/qollJonR
Soli""'" IIK:llIdIns "
U/ICIO/tII'" palll\llODllllhall 'ut\llVlI tn8lerntltlDlIa'l olln/9 MRI......etll

12, ~ N<lO VlafT\IIIO;
1\. WI\IIIII ~'4l ,,_ ~~f:lIiJl(l '" P"'ClIr,.'lJlh 1... Duyolr Ih3U bQ 1l«W1Ck<I- CUtren1 ptehmllllll)' (. .) t.ort. wl\tdllll triy an oflel ~ Itllt Wo """"'et \0
!!l!IUII II poney oltllJo. lnsur...,co ~ ntlIl' flOl ~ :Not:! bM 1IIfeIllI1I9 ftlf". fJvtOfS ~ olllllll pteIlminDIY n:port ..nII lilly O\hl$/l'lI.wen. wb~
IlIll'1 alMet lltl" AI. " 119J1l/nsl~Y (If tlIb Agroolllllnl All J:lpoctjll;Cl1n poarilllfilPh H8.
8. T1l1& I$l1k.,n III lis p~ i;.rlndl\Ion 'V,/~Cllo alIIll'lCUl'lltll'llnc:v•• 'Il:MMl/llCllltll. c.oveft:llllO. ClOI'I<IilIO<w, IaAbic:IloM. rf1\lll "M ot/Iot 1l\;J1IOts. wMtbcr
ol/oCOId 01 nol, iJS (If lIIe d.lcr or ~pl;lnooo~. I~ IIIGnelOIIYIIIIl\tl q(lowrd 1ll'l!ellS &yet 1$ ~Ilg IlION oblJOAllllns lltUlIIing JlloO PtOjlQI1)J
~de:t to 1110$ll 0Il1l9&11O~1l' jllId (Ii) "'O$C manetS wnicll S9IIeIIlas DgNlGd 10 ~ In Willing.
13. WIIhin ""' tiMto. opccdlud In palag14pll 14A. s.tIsf nas 8 aliI)' to disClOSe to 9UY&l' 811 lJlatt8ta KlioWn 10 Seller afi!<:ti'tO *- wI1eVIeror reoorl1 Ot oot.
D. IV C1Q"...c Of C:<CIOW, ~t dNI' l1IGlliva D QtQIlt IIMCI C6~~ 1i1ho lOt. (tt/lItOQC O;)OP\"lOtowc or IOlIg.VlM '~_ 1111 ~'Dt9t'lIlPlIl of ~~
l'r.~ 0' ¢ :·..,~r, I..oschrlld "'14-". fncWilli on. mIlO""1 0114 WIJIOf tJ;Jtl:o It GUrtcmctv _1'0 by :;etllJ" Tiller "hoU 1Ia41111, cldlJlflllfo'd 1/\
0uyiH'l0 ..upplOmcftlDllI$CJ'Ow I~OOlllf. THE 1WINNt;K 01" TAKING nl'..e MAY HAve: ::iJ/;ltllflCJ\N1 Ui!GAL AND 7AX CONSEQueNCes.
CONSULT AN APPROPRIATE PROF'ES:ll,ONl\1..
So n
9u~ "".. fOOt" •• It CLT'JVAI.'rA ~orn_.. "~ PoIk:y d TIll. Imur.lllllCl. 1\11110 comp:tllY, Qt Oll)lCf~ ~ CDn prtMtJO 11l1'Omlolll01l1lll1l1lt lhe
avn.bbl1~J'. ~Itl'blllty. (""<lIaSII'. end CoO" of varlOtlt: lItHo iru:uI~neo Ul\IO'49~ IJ/ld ~M" If Buy"" OO:li/6~ lillO OOV<lr;ll~ DlIIo' 1II~ U\lOt
t'''I''1tcil II)' 'Itl1O pa'411laph. 1).,>"", '''101l,nstl\lGl e~ Haidet In WtI\IJlll OM 1!3)" Dtry inCfelI:IC I. <)Gal.
1Q. ~I.£ 01' UUYl!:I\':S P~OPOl.TY:
A. This .-..gn,omont III NOT COllllllllont ..pan thO '1110 or ant Plo~ own.1I1)y flll)'CI.
01\ e. Cl (II c:lIftckllCll' TI'lI' IlI'.l\Cf'\tld aclllll'll!Ilm (CAR. YOMl COP) ItlQOn;llrn» \IlII ooJllln$lllACY lor 1lIlI DaIO 01 PIOll~ owlllt!! by lIuyor ~ lnwtl:>_1NI
.mo"".. AQl\'0'\l4lJI1
14. nllll; PliJUOOS: REMOVAL OF CONTINGENCIES. CAp,/CEUATtON RlGIfTS: Ttt- f'lfl<lowfllSl t1m1l pRdod$ may ollly b....-deod. oIlloro<1.
modfl/ed II' e"""'ll.... by m"'''''' wrlUl'ft OV'oom..1llo I4¥f'I "''''oVllll of COfIdnglndeot tW cMCIlllllltlQn undo, tl\h ....nJGt:JP..
(C.A.R. F _ CA).
Nl_ ....
III W1illng
A, SI.LU.R HAS: 7 {or (J _ _ ) Da)'s A!tM J'\I:CfllIranu to clellVer 10 I)uyOI all RlPCf'$. <l1.llClO:Jutw lin.:! ./llOrtI'IrnJon lor Whldl Seller 10
,.lIpo1l'lblll ,,1I(1e, paragraplls .... 6A and B. tv.. 7lJ ana l:.e,
u. (11 !JIJ'fL'K HAS: 11\U ~ __ ) t:lIJylI A1IOr ~lDllgo. lnIlO'S 01IICIWlS0 'greco III WtIlII1ll. to;
II) wrllPlltt. "'~ lS"l'OI ltI~lIIllI-"; 1I1?Ol\lYll ~I GJDdawlos. IOJIOI1ll AI'(I OtMt fIOPI\I:4IIlIO ,lIfO/m-.,IiOn. ovt"lCI\ '~' rcoo~ rtall\ ~ (\1\(1
1J1I1l/OIIIl :Ill mttttll/llo 1I"~ mo P,aQfIlY CrtlC:llJOtllllI0ad-~ClOIiOinl .. ne' '9~d p,;1>\ "Nar6, ;Ill< "",I, 81; 01llN illfomY~1loII~l:iIleO 1ft
par'9tl1D" !I ,nd msurablllly 0' BuyenIBd tI1e Proparty): and
{III ratutn 10 Sallo" SIgned Cool... of Slalutory end l.eed Olclcfo,_ ~!lltellldbY SeIter In ac:eoo'dto'lCII wi'" P ~ eA.
t;!l WIlli'" 1II1t ttmO Po/:lhCItliOO In '40(11. e.tyftr m:lY IOQV~1".1 SOU., tI1.1r4 fOP"'" t>t' f~1w RIlY alMr .dIan 1Il!l1lrdllllllAA ,:lropnl!.V (eft.1t Form
nRI, &1101 II." nO ~1ig.lIon to 119'OD 10 or ,qp...d "" 011,........qu.>.b.
(3) ff)' !ho ltn" Dr tn.t 1_ $ptIeat;.. ~ In '48(1) (Of 21 fOr IOaIl contmgOlltY Of ~01 r« IIllJlfSIDlI/ l:Oftlillgllnt)'). Buyer !IlQ1l'. ll\ \Vdling. r~we Ih8
~PPliealllOeO"lb~IlCY,CA.R. form Cffl or etInCOllhb Aa'~ t1'owever. if \he r011OW1l19 BllSP8C1tOrla. Il5POrt5 01 dllICklSUl'eS Dr., nal maoe
",~nln "'.. "'"" ~<;Ilw." on ,~. I".... 8~ 11M S {or 0 ) IJ:¥'> ~ .., MCI'IIpt of IfI\Y ovd\ ~ 0' t1lC'1JnlC!o ffj)<tcllbtl "'
u...
'''°1';. ""'...JocIvclr .': Is...... 10/.lI1OVO :>pphc:tblo QOntlnglltlCY or ~IIC/ll th~ JIflrir_1ll11' wntma: (It goVl:mll'o\l.....""""'lIllld IMpCCllonS or
_"* ..,qultod oa 0 COndlllon of dlr.lillQ: (1('(11) Comn'lQft l-."g D1sdosu~PUlwanll"p.u~aphBB.
C. CONTINUATION OF CONTINGF.NCV OR CONYRAcrUJ\L.OBUGh-notll ~ ~ AtQliT1'O CANCEL:
(1) S<tll.,. "lIM I" CallCo..I; DUYIf' Contlngonde..; ~Ivr, liner rtlllt " ....,no Auyr.r Iltlotico to l'\IIyor 10 f'(lrfann (O:lo ,pedflcd bck:lw).1l'lJIY Cl)m;oI
tru.. AQI~ama~t III willing lind ••tI\tlrI:l:o r_rn 019.'" ,,*pOOrl! iI. bf tIW lI'I1CIlfllCeIHld 1ft tI\11I "",.ment. DuyQt do811 not lel'NJ\lo .. wrIIIng
1116 app5.::abI.. CQllfIlIsenc:y or CilI\\le1 ltd. IIgreemenL On~ all conllAgenDeli navo Otl1:lIlI8\'llOVed, f8'0Jure Or 1I111lSr Uuyer or $elkH'1I) ClOSe
OtiC/OW on liMa tn:ty be Of ble:scll 01 this AgI'CO~nL
(2't (:ol\1JnUl'liDn of COnUl1$Ot'Ioy: I:vOII ..Il~' ""' OlJIp".tiOlI 01_ l>/lW ':II)<IG'fIOO III 111O{'). OlIvo' 1l('llI.~ tl'ct /'00111 to 1I\lIl\e ~"llII ttl 3lI1lc:t•
...nl1lllC on wl1tll\Q \NO "'l'p1~blo C<JRhIOgGlle\, .... 0AnC<f11ml. ~!3""'''''If't1m'" !to..., C1l1C/lr. J)lllOU'Int to , 4C(1). 0.- f.lol1Cl' '''''''vO& Auvllr'r.
.vrJlljlln rDmQvoI 01 ,,11 ~nlJngfllcJu. $01101 ttr011H)1 cilleel 1II,. A!JteamentpU_nt to 14C(1}.
(31 !:<olI..- rrOJht to C:;onc"" Q~. <:oontract O""llGtlo"", $ ..,........ rwr f1r&t glvlns 0U)'0r II Nolloe> '" 8u)ItIr 10 Podonn C- "poo:llied ~>. may
CMr:ellfll.~ ~,_~ 111 wnUOIO lInO IIUlhMlAt fCll\Ol'n or Uu,ol':l ftllO'll foI an1 or lhc folloWl\'lo I~: til If DUYC' flol!'t 10 lI~it fUlld' C!)
l'lOQUIlI'lO I)y 71'0 Q' ZOo (II) " ",a ""'~ <!YPOlIilOd Plfl'd.llbnt to 2A ... 20 aIO II<Il OOOf wfKon ~Oll~; (111) II AuyIlt t~l~ W prOVlQ'1I a IQUtlr llII
a,
requlr8d tty 2G; 1M If el/JlGr~1I11O Dtovlckr __lfi~ "vulnad bY2I-l or 2t.: Iv) lf$Ouer ",~,wbly ~pproves 01 the vGrillc8llon /lltlvideO
by 21-4 Ill' 2~ (vi) IIBU)'IJ' f.,lIs to Jelll"l SbluIOry .ltd I.elld ClkI_.. 110 ...qu)nod bY lW"Or:allh 6Al2l: ., (viI) If Buyllf fa"" 10 5ItII'I or lnllll/l a
:.cPl'~ 11Qllldalotl d-Of form fbl ::II> IncrellCad c1R1H!••~ roqulMtI bJ pal:tj)ntph 16. ~,,''''r IlJI <lOt NfJuiR!d ... !Jive DvyCll' II Notlc~ 10
.....""',,, rogardonq Close 01 Cl:t_.
I"} No'IiOIJ"" ~\l)/e,To ~tfOM\: The " ' _ I l l ".,yer II) YMOtm IO.AJt form N~ WII: (I) be .nw/llong; I") DO 0I~1l(1 ~ ~.ot; """ 11Il)i/lv A NOt...... '" l:luyC' .0 Votform lll11lll\ot lie given l1li)' Il~rl/ar Ilion 2 Dayo Prior to tno cxpltPtlOft • 1lCab"'~WO
~ COAtIROlll\llV Dll'llneol \11/11 AQlaOmont 01 me'llt A '''IC(:1l OII"tJ1o l""
t ""'IDle. (
!I11)'C1'" )( . ~
f.olll"'pIll e 18t1~2. Ct\I.Il'OftlollA -'830C....TION OF RIiMTORSllI.IHCl CoD...." IAln.."" ( It) l5..r

IU'A-CA R&VI$EO 1or02(PA(il!" Of 0) t~!L-. :: OM I r-r..wm
<:......IFOANII\ AenOOmA" l"UReHA:J£ AORClYlENT (~A..cA PAG6' OF II) 1'62ll9llU.l.I'.I\
Notice #3
EXhibits Volume B
B-91
Case 2:08-cv-01551 ~P-CW Document 45 Filed 0'-. .2008 Page 17 of 29
p.t!
18/22/2684 15:42 3165587531 MARA ESCROW PAGE: 88

",...co"'· D': uuLUC1CL .... tlAI'lKJ:H; .
31D ~71 4O~i 6EP'22-04 3:58PU; PAGE 6115
P,_rtyAck/ilrc.>o.1ZC D. reel< ;;n;u'e ihiy".r.1'lU4ll.9 r:4 gUll I)ote:aIJ~J'M!ber of ~
D. PPFFCf til' RUVI'.)\'S flI"¥OVI\L 01" GON1'lNCENCIF.6: " 1IUYCr illmll'lO:l. II Wflll/lD. any COJll;lllOOIlCY or Oll'lOf".liqn I!9htS. Vl'le:$ VllltlrwiU
..peCiftod f'1 " """",~lo """,,"/I 1'9_1>t lle\\Iooon Ouyqt lIDO $0\111I'. euyer IIIlGII CO/ICIIWIV$1I bel d,",""'d » rwv,.:
P) c:omplttOll :ot uuyor
IRVQ.';1ige\lOrl:l, .and fCVlClW or repOtlO Md omllf appllcllDle I/lf01mtUlon lind 0l~11IS Jllltllllnlng to mil! ~"l!IlIlontly or cenod8llon 1lAN: (II) ef<:QOd
to ~ Will' ,he It:iMlICOOn: IU10 (UI/ iUQ_ oIlliDl>tl'y, le&J'otl&lllillly Ilna eJlPDII,B "" RePilltll Of oorAlctJOlla perIDi'Ii/lV to 0111I ~nungency gr
~l\IlIIlIetIOR righI, ~ for IIlllOIIky II> oblDlt> r."nolll\l.
rr. "I''Ff'CT 01' CANCIo"1.UTJON O"I)f~I'I'Ili, If OUyt" 0' ~ OiltM WlllIJtn "0_ of CU"ovllnt/on putW~nlto ~II'" dUly --....,J. .d ~ ilia
_ ~I IIlIo. AgrMftlonl. Buyor lind 30'" ag..... 1t> ~ ITIIItUIlI ,oll1nJc:f1OlI$ to ~ lIle JlIII'"
alld GIICtWI Md rele'4llO OOOOGlls. less feft illlld
,,_tly
_lItf<rd w thv l~dIJ FlIca attU C05lS mar lilt payable 1O!6M4e Pft)VllI8" lind V8IldOra I\lI'services 8Il9' Ql'~ Jm"Ildbd duMj
COlllt, 10 I....
ese:tOW. ~~" 01 ftPl(lll will n>q1,IW in"""" Sl91'Md ~w 1""'"ClI~ If_ 811)10r and SOller. jUdicial <lItcIe1on or Mbltnltfon ;jIIIGSrd. A
~11)' ~ b6 ~1I0J~\ II> .. civil p"""1ty of up w$1,ooO felf J9I\IAr til ~11 " ..o::ll,,\~!ftIOt'IOoIl.of ~()OllOltfa.ltI dlsPlU~_- to Wlto I..
...tlllod I. 1M dc:po<sitod fund. (c;;JYlt Code St'lOf07.S).
1$. J:INA). VI!IU"ICAY101'J OF CONOI"l'IQN; BIIyer GIl8M /lavo lite rIoIIt to m~l\ltll tlmd I"",DdIon of \he J),op.n\y.ullt>lft II tar 1 ~.. Nor
II) CIcrM Of r~_. NOT 1\$ A COIItTlNGENCY OF TH~ SALE', llV\.ololv to eOflflrm: (I) 'J,e ~ Iv m-lntlllt\fO PU~lIant to paragf'¥h 7A: (II)
RoPP&9 /141\I0) b9Dll eotllllJo,!!I. l.IQUtOATED DAMAGeS; tf S ..y., f.ita to c.onapl$ thi$ Jl'p(~~e beoaWi8 9' 8uyor'.. etofpun, Seifer $tmlJ rotoJn.
as IlquidUcd do1ma9~, the d4posil 8(ltUafly pai(f. If thQ Prope.., is a dweJllItg with bO more tIla" rout un)t8. OftO
0' which 8u~or intends. tQ OCCUIf»". men tn. aPIount J1tta11l8d shall be RC) more thtln 3% of tho purch~ pr~.
Any cxcems lCohnlt btl m1Urnmf to Buy~. Roklatlff of rund~ will rcq,,1ro mllwal. Signed ~-e ~'tnCIiom: from
bom Buyor IIItd Sollot, JUdicE;»1 dcC!ctOQ or ,rbttt2ltion awa BUYER ANt> SEUER SHALL SIGN A SEPARATE
UQUlDATE:O DAMAGES PROVlSfON FOR A~ INCR Dl:POSIT. (C.,A.R. FORM RID) .
I
9"'V....~11lili........, ~ I s..«or'Alnft!oft.
11,01SP\JTERPOLUTIOIl:
A. MEDIATION: 13~r alld Se1/te, 80m.. to medlrJIe tmy dIltPutf or dolM OIIclnO bltlWIHlIl tII1Im out o)f this AgA:cmU/lt. 01 &(0/ ffl\lltil\!J ~dJon.
bOforc ~"1IlIl to ';'Io,'roOOtl or court oc;loon. ~~ 111!l(2) ollCl (~, I;OION oppIv \Wu>lhto, or \1OJ 111, I\tbIUlJ\lun ClfO.....ro" lao 1lliriD1tt4. 1oIIftIlatlo1l
1_. " ""7. ahOa be d"'.....d oquoUy ../nOn:! 11'1~ paltlos "'0IIl1ve<I. If. tor tAllY Cl"lluI' Of ClDllll III WIlK:n '(1114 P"""'~ ~l/'''' any PIlI ~
lOR ~llln wd110ul ftrlll ol\e1l\pllllg to resolVe tile mallei U1rougJ1 mecllallon, or lIIf11sel1 to med~ 8fter a req_l lJ,", 0$tlJ" ~. thoJn that P"~
"hft' not "'" ...ntil!r.cl to "'COIII\( Qlf<llT\OI')' red, _II If Ihf)' WlIU14S DlIl8lWis& IlD _D'llIe 10 that jlaI\r In oily $t.Jd\ lldlon. llfIS MEOU\TJOt.l
AAOV/SlON APpur.!'O wtf~ OR NO'l'TtlC NtOJ'MA'I'lO" Pl\OVlSlON 16 INmAlEO.
8, ARSrrRATIOIIl 0': Ol$PUY£S: (1) Swor and U'"r
~9roc tbllt any d'sput.f) or Gbim In U1IIr.QY .qulty ari:ting
between them 0Qt of tttflJ Ag~mtlnt or any J'OSutfing tr.Jn$acthm, Which 'Ill
not aetflQd through meddiCion,
,;hatl bo decick!d by ntlUU'aJ, binding lltbllr.ttl()fJ. IncludIng iIlt1d l$ubject to paragtttpoh& 178(2) and (3) b&low.
The IlIrbi',oldor ",,,,-,, b&o :II ...tirC)d judgo or J&nllioo. or "" ;rtt.o''"Y with Ad tOU:llt:$ yeZlIl$ C), f"OcidenIJai Nal MUofI)
Law -experience. un'ess ctle parties muw"Uy aoroo to a different amltrolor. who *ball nmder ~1ll aWlU'd in
accordance with sub$tendve OtllfOJ'l\la Uw. 'the P"~ shallltl1VG the right to dit;coyory in accordance wid1
C.aa'lfornJ~ Code of CM' Pf'oc:edUf'O §1283.0$. In ;df othor f'MpaGt::s, Che arbi.,."uon $ball I:)e conc:fl.ltMd In
.aecot<bnee with Tatle 9 of P.rt III of the: ~Iifotn)a COd. 0' Clvlt PlOCOduro. "udgment upon the JaW.f'd 01' tho
8rbJuawr(s) may be entered Into ;my COUt1 having Jurtsdk:Ucm. Interpretation of lhkl agreenaent to .rblflate
shan be governed bY tiM Federal Arbitration AcL
12l EXe~ fflo. fltEOI....,!ON AAO AAan'RAl'ION: ThIt toIt-'nQI ~ _fMtdudAd ff'OM mcwtbtlcm "Ad wtllltilUlIn: (I) .. JudI4;(f:1
Of ItOII?UCltC"" ~totour. or otll6r ""-'Q" or proooodina to '''''GrIllI.
doed ortr~ m~9Porl",~laIId • • c.:lMr.llCf M ~
In calif9'nf~ Civil 0<149 §2$88: (11) an unIllWful det.liIlllllr ",;tlM; (III) 1M flIIIlg or onJQrell1llOllt of II meenanlll'ct Ifell; 1lP1I (Iv) any maIlJWttIat
Is ""'thin tho Jumd~ton 0' " ~lWo"" .._11 cblll'n 11' baIlt<""'*'Y ClO<MI. TIIo ftline of .. COUlt Bcl;iol'llo enable ttl. I'llICOnIlIlf of • ~ ef
,...ncfl~ M.lI",,- In, .,rr1<Jr nf "lWGhrnDl\t. ......onr""'hfo. Inl""_. 0'1 OlPIOr prov'IS'_' rcmed_, ~It "Ot Clom:Utl!liI
~on olin" ,,'b,V'olltlOfl pIOll"O(_
of 1.... ,,-1\IIIlr
(3' BROKERS: ~ IiIncl SoUcr apr.. (II _dlale and lSfb/llatlt r;ll3pul.cs 0'1' cJp\lII4 it\".,....ne ' ' 'Of
or A)OIb E11Oll1tl'lJ, ~1 ..nil ,,. A
lind B, PTOY'lIlll:l eltner or flotl1 81'l2kara ~I hltYe &Q1ftd to suoh t:I'(I<JlAt/on 01' ",bttrotlClfl pdc.-tD, or~1n a ~11 tltllo -'r. 1tMI
dlOPUW 01' OlD lin II' _nted to R'ol!R"'. Art, AtlOCti<m by .ltlult or both Dra~ 10 pAttldpn.. In mccfultlon or Gfbl~on.,\tAU
,,,,Srit""'" bolnlJ cft!omOCl ....... ". .... A9-munt.
mutt ...,t
"NOTICE:: BY INtnALING IN THe SPACE BELOW YOU ARe AGReEING TO HAVE ANY DISPUTE:
ARI$ING OU1 OF THe MATTeRS INCl.UDED IN THE 'A-MlTRAllON OF DISPUTES' PROVISION DEClPE"D ltV
NElJTAAl. AR8fl'1UTION AS PROVIDED BY CALIFORNIA LAW AND YOU ARe GIVING UP 1\t:N RIGHTS YOU
lIIIlCHT I)()SSC;S$ TO HJWE THe DISPUTE LlTIGATeo IN A COURT OR JURY 'MIAl.. ev 1N1"I'IA1.1HG IN ntc
SPACE BELOW YOU ARe GIVlNG UP YOUR JUDICIAL RtGHlS TO DISCOVe~Y AND ""StEAl, UNLESS
THose FUGH'r$ ARE SPt:CtFICALLY INC!-VDeJ) IN TtfE; 'AR8ITIIcATlON OF b'SPUTFs' PROVISION. IF YOU
REFUse YO sua..,« TO ARC\TAAnON AFTER AGREEING TO THIS PROVISION, VQU MAY oe COMPEu.eO
TO ARBITAATE: tiNDER THE AUTHORITY OF THe CAUFORNIA cooe OF CMl. PROCF.DURe, YOUR
AGREEMENT TO THIS ARBlTRAnON PROVISION 15 VOWNTARY,"
"WE HAVE READ AND UNDERSTAND lJofC FOReGOING ANI) AGRee TO SUe.M1T DlSPUl'E!S ~SINC
Ol1l' OF TtlE 11MnER$ INCl.UOF.O IN THe 'ARBITRATION OF DISPtfrES' PROVISION TO NEtJ1RAL
AR81TAATtON," r~;;;;;---i' s.ller'slnlfbl'll /
O4Iyol'b 1"'1tll~ ( ~.....p.y

COW"Iht «> , .....,o~". CAUl'.......... Al):<e<:IATlON OF RCALTORSlP. INC. .-::::Sl!Jlet'=:.:":.:tn:.:::lll::ab~( =;;::;;;;:;.!.:~~==..!..,
APA·CA RF.VIt'IF.l) 1011I% (PAGe!l Qt' 0) tIlM-.:Illy a,.t.
CI\Lll"tmNIA R.C&IQr;N1'IALPURCHIt,8E A~T (IOPlOoCA 1'1l(V,!It OIl 8.
Notice #3
EXhibits Volume B
B-92
Case 2:08-cv-0155l ,p-cw Document 45 Filed 04 2008 Page 18 of 29
Uot:. <!~ U4 U~tUbP p.tI
1A/22/Z004 1~:42 ~le55a7531 MWA c::iCROW PAGE a'J

DJ: UUI.V'~LL ~~KERi
'C'V' 310 271 ~e34i SEP'22-04 3:54PM: PAGE 7/15
"roDeny AIllImst: '1:0 ." ".CX 0:J.Y(! ""OO'rh: ,·.lJ.ll :::n. ...H%.I2 _ OQIO:S'lP.~·C I. l"b_
18. PRORATIONS OF PROPER'rY TAXI!S ANO OTHeR ITEMS: Unless ~ sgreed In writing. !he foDowIn9 lWns MaD bo PAID
CURRENT Qncl prorsted blJlWCcn Bvyer and Sellel M of ClOse Of GllQ'DW; rtal D!'OP"lrty t~ 8M 8~et'lnl. Interellt, rentS.
HOA regul;)/'. ~C1"'. lind omerijG1lqI duos. tIIn(J llI11llClllllmantC "'"1J1lOCI1)l10r to C/o$t or t:sctOW. ~um, Oft IrlcoumtlCO ll~lllfIl;'d
I»' Buyor. plJY"lenlG on bonds rfnd assessmento _med bV Bu)oct. liM paymO"'1: Gil Me~lI.;mG Ol"",r ~ Assmmrnetll
Dlsll'lGt bonds end a~m"nts thot tire nOW Q 11M. 'tne follaWlntl iJemll sh"u be IlISSlUJIad by lJUyer WITHOUT CREDIT towarcIlhe
DurCMll>e fllit;:P.; pworateCl paymOl\tl1 01\ MllllOoRo<J". md a'tMr $pcciIll AIl~.mot\t Ol.~ bon<:Uo aI\d _OIeUnlOmt> anll HOA ~
":PO""Il'l~ Ihltl ./0 t'lOW CI ~n b\.Il not yot cluo. PJOP~ will bo naa.~ \Il)On CI\clI'9Cl Of ownercnlP. Any :lWQIMlltI>hll t.- l)iIIa
llhal be tlaId:llS rollO'W$: (I) for PClncltJll alt/!r C1os" or ~.l)y euv-r: end (II) tor perfod:s pnor to 0I09c or I:lK7OW, by Seller. TAX
BlUS ISSUED AFTER CLOS£ OF ESCROW oHA!..l. Be HANDLEO ~IRECTL Y B~ BUYER AND ~"t:LlER. Prolation$ eh<Jll
~ mace tlali~ Otl .:a 3l).d.:ly 1Q0000tl
9. WITHHOLJ>tNG TAXeS: SQ/lor ,JnO BU)'eI' ..grm 1(1 1'Iltt'~ IJD)' lMl/1lmIMt. "ffldtmt, ,tt\temQfll or InlltnlQ!ion rOllMlrlllblY 1IM.:A.l:1l3/Y
10 c=omplywlO1 10000ral (l'll'(fo'TA) and calltomta WItI1hoIl1lng l.ew. 'f required ec.A.R. FOmlS M _nd AD).
:0. MUL1lf"l.6 IJ$TlI4G S~C~ ("Mt.$"): BtOk~ ElM evlhorb:ed to raport to \he tAL5 a pending 681e and. upon CJO$e Of~. Ule
100000IO of ml" tranllRClIon 10 bI'l pul)ll$J\ea alld di!V'Aminoatq to poroons and ..."tl~ eutIIotlzll'Cl to ufe the tnrOfl'rlOl/OQ on !erma
:lpprovo:d by the ML~.
t. GClUAI. HOUGtNC OPPORTUNITY: The Pr~ptoltY 1$ 1010 In tompllaneo wilh fDd81i11. &lPte :II1tJ IDCIllI anlf-dlt:crllnll'llltlan LlIW£.
:a. A"t'rOAAIli'f r:F.;8SI In any adIon. P~edin9. «etl:llU3tlon b411woen 8wer land :Seller arfAII'lO out of ItlI!t Allteftment, l/lll p_lIif19
nuyor or StB",r ;flDlI De enlltled to ~$Onoatll« olItlOM;Jy lee" Md 00$16 ftQm th9 nOl\-J)feVAlSne Btl)'QI' or &1""'. 4lICGPl elf prl)III«oa '0
p:.r:A91'1.l/)h 17A.
3. SaECTlOH OF S!=RVICE PROVIDERS: I\' Brok~ ... ,~ot Buy~ QI sellet to ~ venaom, or stmlt:e or product p'tJYIdcw a
("PrOVldefl"). tlrokers do not guaralltOjl~ tho perfOrm&rlOO of any Pl'OIIfocra. Buyer aotf seller mllY ~ ANY p(QVJ&lm of tltetr (JWI'I
cncolilir!9.
4 liME OF fSSet-lCP; rNTlRE CON'l'RACf: CHANOP.~: TIme is of 1/Jt> OOllOnce. JlJI uno-..,ndin$rllo bniwt'm tM portJc, (rrf:
ItlCOlPOllll9" In lIli" Aqr""",,,t. Its. lOrrns wo IIltlll\(lGd by lhlt J)alllo; IIlI e fin21. c:omplOtlt BIll! elldulllvo elCl)C'eSSIDn or their
I\9te&ment with respec:r to IhlllUbJecl Il'li'Ittllr. and may not be c:ontraellc;lDd by""dsnco of tIllY prior -OtC!emcnt or ClOtlteIJIPO,,"OCO\J$
O~l 8lJ'll'emllM, If any pl""OV",ion of tills Agr~11s oold to DO lne~ or Invalid, 11m ~m~inlng plovlnlol'llil will be newr1I1*"
GIV1m Ml fote.: And allOCl. NeltWlor thl.. lI...'1t6tlMont nor llft)' p"~ICon In il may tl.. o*"<l~. ~ndood, mOdlf~ :1ft_It (>t
CMnSOC!. deepl in writing Sigflecl by Buy.,. and SI;lkIr.
5. or.m:A. TeRMS AND eoNorrIONEl. l!\eluding 8t\ll1:hed 6iJpple<nenbo:
A. l?'-R~ In~etlD!J
o. ~~a.~ActdOll(!u.!").!C A.U...orm
C. s~u" J:.,.
~.&'P 'Qr:1t;§t
Adv.&!'t'J. tC..::O.B.~n,a_a~~::-:n~==::;:",==~
p;m!fffi!ph t'luMb_:
eAy ~Mil2.« alSl::s jln lOn G£!'PURt: lZQli te. t!5'l?apci'
~llu 1#1 ,A'tRtEJ'
PM
t:MP b3nm; IfglM .. Qr.z&b.r:St
3"
"'1
..._ _~
P&G....
(t"'9 et
F'fiatc UQlJl1pft.
Mil
Ilf: j':J.ntY.
=
_
8. DE~I'; lhIs AOlOl>'IN'><\I:

A. "Aooopcance- mo:HllI thlt limo \tiC otftlr or tln;d CClunW 01l'Qr Is ~ClIII Vlriling by It ptol1y lind b "ohller~ to lUlcl pu$""",Uy
a.
receI\IfId bY \'he ()fher partY or tt19t PDI'1Y'. aulhotiz:ed "sonlln accorlallCb wah the tal'tTlS of IhIs oftet or 3
-Agr¥qMont" I'I"'~~ 11\. terms ,.nd COIl<lIl'(lns or
'nat
eoul'ltet offer.
IhIs accepted QQIlfomlli Res\dentL:al p~ AgroOnlO1'lt end erry ~op\ed
COImll/f of!ottl 0110 ;'dd~ndil.
C. "C.A.R. Form" mf:l5f1S tM ,pac;lllo foM'l t.re'Dnc"d or ellQlJlcr comparable fDrm u~8(I to t1f the parties.
O. ·C\~o or Ewerow"' neaMI 1h. date 1I'\e,snam fk>eO. or o,"lIr evida1lCll at tT~fQ' of title. II' .e<;o~O. If \1\& r.eheduled dose at
escrow flJlI, on 8 SallJl'doy. Sunaay or lQg:II tItlJIdal'. thsn do:Jo of ,utrOW ;~I bEl thft MXt bUlIIness d~'f arlQ'tI'llI ,(:IJecIl.I'e(I
CIOM of CKtow <lAle.
&;. -CDtlY· means copy by ;lnv meal1~ locludinll DhctOCOPJ, NCR. f1jll:!limlle and ~IeClrOrue-
F. "D:Iy:ll ~ means ClIIMldQr days. I,/rllOU Otn_lse fequrrlld by lew.
G. "Day.> Mer" lIItl'ans Ibo $J)l!¢lfl." numblll' 0' c:<JleflOat dllY!' 8!t@r (l\e OCCUl'\'P,nce of lha event speolfllld, not coun~lJ 1/19 calollllBr
CIale un wn.et'I tho SClrert'lPCl own. occurll. .QM nndlno ~ 1 t:lll)PM ~"tho filial ~)'.
H. -Dlly& Prior" mellM \h~ "poc:illed numbt:r of ClIIOnll8r da~ be(OJIt lne ~ne& of 111<* "vent .podfiod, nal -tlnO I~
Qlllndar dlJtCt on WI1Ic:h mit ~pccllIed eVltnt III :scheduled to oOCJt.
J. "ElOct1'onlc: CoPYM or "e1ectronlo ~lgn..lIr'4" means. N OIppllGlJble. en -el~ll'C1t'1lt; copy at $/gnoture- complyin9 wi\Il California
Uow. ~UY('r and :JotI1ol' 1I0r.... Itllll C1nclronlC MQI)f'1 WIll <lot t>o ulIOd by ~rthcr J)of\y 10 medlly or "lw !ho contOtlt or in\IIlllltV of I'lill
~~men: W1tnoul the IttIDWlftdot lind COI'l$..nt of the ethor
.I. "L."lW" means I'lIIY 1;>111, COde. 'It\Mo. osdlnance. ""9II1atIon.l'UIe or Ol'dar. which 10 edOJ)te(I by a controlling dty. courtty. state ot
fed'lll'~ le~s1~lIl1e. judlCl.ll1 or \}X4!llll.Jwe body or llIgeney.
t<. "!,,~\oo \9 RuytllV tD PQtfOJm" mo:)~ I) doCUmt.:tll. (CAR rotm \liSP), whldl ~1I be In writing Qnd Signed bY ~~ and li:\'l.)I\
(live 611yOf al '~ast 24 hou'!> lor ~ otflarwb& "POC1fl1ld In parll9r:tph 1~14)) to remove :a c:ontlAgellCY Clt' potlol'lfl as
appllCabl", . .
L. "Reqalrf;M mellI'S sny RlpDrlllo (1(l(:!lIdl~ pest control). lIllcralll)flll. rl!Placsmems. modlflt;a1ions of tlQtrofjU/tlg uf ~ property
plOVi&"d fQl' \lnd(lr Ihr.\ ~rel1rMnt.
M. "~lgnud" mOll;ns elltll:r ill't."ln<lWrltlllfl or 9l"c:fI'oniO ~Ignatulo on itll originol dCleutl\et1t. Copy or My oount~rp:ut
.... SinevlrJl' Qnd PI",..., l,..ttml "~ InClude IN: olhor, whetI DP9fOPriate..
Notice #3
Exhibits Volume 8
8-93
Case 2:08-cv-0155\ \p-cw Document 45 Filed 04 2008 Page 19 of 29
uo~ ~~ U4 U~IU~p p.1U
MARA €SCRGI PAf:£. 113

19/1.2/2004 lS~42
310 :2n 48S4j scr-22-o4 3:55PM; PAGE 8(15
.,~~·.ug..A~_ac,7P OR~I". 1'U. 1 :Iw....CA J.ll»Z _0.t4~4-4 Ma'

t7. ~GEN<:Y:
/4. DISCLOSURE: Bu)t9t :lind Sellnr <r.1tIh ac;lcrtowkxlSJ~ (JriOf recelpt Qr CAR. Fntrrl Pl) 'DISClO$Ure ~rdll'lg I«>~I estate Aganey
ROl:JIl/)n=h,P$.'
e. POTIeNTLAU.V COMPP\NG BUVERS AfolO sat.ERS: BlI)'1!l" and SeIlGr.aon ~e receipt Qf III CllsclCIlI\lr. Or tJ\~
pollSlbillev Of munl111e t."teSenlalion by lhe lilrokOr repr~!IQIlting that principal. 1'hIs olsctoauJe ftIbY be pan Of a IIl'ti11g agteemmt.
buyllr-broket Ol9t4t~1l1 or 89PIlr;lte doc.\lrtM:nl (CAR. Fonn 01\). Brhef ul\dl:tGtond!ll tho. EJroIc9r I'IlpteSellll/ltg Du)ret mil)' 01$0
rapte$oeflt otller j)Ot~1 bll)'llt!l. um() fTtIJY CConlIider, lIlIlkll offtfll on or ullim"ely 4C1\lIire the Propelty. ~lIor undoBrando th:)t
Broker repfe1>1ll\tino Seller may 1)bO repr&aettt 01hel' seJleJ'$ ~ to/Ylptl!ng propttJtll!Il of1n1OnH;t to this ~~81'.
C. COI\IFIRMAncN: 'The fOIkWJino ~j\cy r41lltliM6hI~ are 11etetl" conflltll8d rQt th~ aans;lotion:
l".etinV 1\,g0t'l1 _ . _ _ Qp1d!!9'u !!ae%pr (Pont Fkm No.roo) 111 ttte agont
or CGllecJc one,: tJ tlMI seller eltclu&lVtlly: or Cl bllih thO Buyer <lJld Seller.
SelItPJg Agcm _ _ __ . _9.J..lJ,.1PAiAYJ.,.G£f cap lr') t<Z1!W _ (PJfnr Firm ~ ) (If /'lOt IUOITl$
I:lll ,,1!IUnO Aqent) Is thC' ligon( Of (e.n9¢/< onq.): I» thL' Gayer mcctUlll"81y. Of 0 tn& SlIlllcr exOlU\llv,Jr. ot O.t:/OOl thtt Ouyet nJld
Soller. Real e,IDlIt BtOI(OflllttO /'lOt P#tII" 10 tho A9rtn!lJ1ltnt betWeen Buyer.~ SOll!:t.
$. JOINT escl\ow INSTRUcTIONS TO ESCROW HOU3ER:
A. The follo,..IQ1I Jl~",a8rollphe. or .. ppll~ble pO~:~, of thb "~t ~MtIt. . tM Joint t'GOfOvII ImdruC(lC)fls of
~.r IIncl Sv"~, '0 &l:rDW Holcllor. Whtt:t\ Wlul>W Holdei' '" to U$'" .klng with ony r"I,,!cd COunfer 01t0I'l\ and addondl!. IIna any
bUl'JltiQnal muJUsl I"&tructlon~ to c1o:«t tne esc:r0lN: 1. :t. 4. 12. 1313. 'AS. ill. 1", 24. ~ ami C. ~n. 28. 2!). 32A. :IS and
PSI8gr.!ph 0 or tho .0Cllon titled Re.lu Elltl\I5 flroR,m on ~lJe 8. If .. (lopy orIh& UC'arete comp~n Bgroemem(S) provldCld
{or 1/1 jlntl>QrUph 20 II' ~ Or ~r"l9h D of tho ltcetio,. tll~d R041 ~ tlrol<ors all pp~ ., is .pcnlettd wdIl ~ Holdlor
by t:l1Okt'r. t:'scrow HOld« shall acc.ept liUt;h 1t9f.:emor>1(p> "Ad pll)l otA 110m 13I1Y"':I or SeI/or's fUnds. ~ bQlh. lI8sWlieab.... !,hi;)
Btoll*-t', eDrnDel'l&&bQ'l ptO'Jl<l4d 'Or in wcl'\ ag~s). Tho terms ami CQ~itio""' of 11'11$ ArlrvetnoM nllt S&1 klrtn In tho
..pndll$<l PftI'l:l!Jt:AP~ ClIre ild<IIllOnal m;;\lot<t fer tllo Inf6tm:1bon of ESCt'OW Hoklot. /Jut "bout Which e:ocrow I-tcltlcr t'9l!'CI nol ba
concNMcI. Buyel .,nd S&lle( wlll ~t!ivo E$CtQW /oIC'dor'1I ~rIClI)\Illr~OfIl1 t1~ from 0ll:r0vi HOlder ~nd WPI ~w; wen
~mvl$lOI)G
UOon E:;CfQ\<l J-IoIdar"5 ttlqueat. To me extont the general prov'slOml lito ineOfu;llOlunl or conllid wllh this A,gl'eelflent,
the !)QIlorall)mvi~lone wi!ll;llnCrol os to IIw dU1lea and obllpcrt/oru:. or l:lfCl'(lW HoIdt:f ol'lJy. Bvyer llfld Sallet will ell... l:UI& 114C11l10M1
,""'NO/ibM. docld/'lC'nm lind fofmr. prOllrdftlJ t:V Ee«ow "'oldo, ~. Qnt telII<DMbly nOClOI5~ to (10;10 lhtJ. C!PCi'O'N.
e. A Copy Gf tnla Agreement she" bel delivered III Eserow Holder within 3 bu$llIB38. daylt after ~ptal\Ce
(0'0 _ • . __. ). eu,eor :and SeUer O\ltb6rlzo &~w
nn(l rilly on CoPIeS Dt>d 3'9nlltufC6 illS dtltlnod in ltli~ A(Jf\OQmOnt m otigi"llID. to OpM ~ow .;1n(I for o1h4lr
HoIdr1r 10 .Jl:Ccpt
purj)O$t" "r
escrow. Tha Vl>r,dfty 0' tl>l& Aoreement 1I11 belWle01l RUYfr and SoBr.r IS not a1fe>ded b\l 1Mtclh¥ or w....n I:CCtOW
Holder S1gt'1l lilts I\sreerMt1t.
c. FkrJk&r~ &18 n party 10 t!'ln oporow for Ihl> ClCIe ))u/pon 01 oornpe~Ollion pu~Gnt to pllragr:lJ:)nli ~. 3M. onc1 paragreph 0 of the
~C1ion bllt'<l ROllI l:~aw Oroke~ on page a. Ouy.". ~d senot Im:vOQlbly 4G1ligR 'er B/l)!«lr.. QOmpen~tiM Gpac:dloo lro
P~f<rSropM ~ lind :S2A, rcJGpeCl1\1e1y. ami rrreV<loably tn8IrUet EIlCIQIN HOldet to disb\.llSb triose funds ID Brolcem at C1O$L' or
e,"~ Of pursuAnt \0 iIlny ~eJ muw'Olly exe=ne<l Claf\wll:eUon eatHtMtlt. Go~llI'ldt\Ol') IM\nlc\lOnB mn be 8I1\endDd 'Or
r~ onlY wiln InC! wrinon COI'I::erll or Brokcr~. Efo¢'"OW Holder $II8lI i~tc/)' I\Olify FIJOkOfll: (I) ir ~Il irntJ;U or lll'Iy
nddltlOflal dnpollil Is not J110de PUl'$u~t to ibIs 1I!:l,~emefll or 110 not good 0\ timlf Qr d~posil VCltll Ellcrow HOkler; or (ii) tf ~uycr
01tId SeI'er Insf."Ud acrowIiolderto Q!ill~ ~ow. .
O. A Copy of Bny Sl"nI)ndmoflf ,1\1'1' Affqew any por"'~h of i1118 ~reemcnt for whic:h ElUltOlll HOlder Is rcepOnllibfl:.l shaq bO
dOlIVet~ 10 Ell~ Holdor within 2 tw,I"Il!l,s C1l'1Y$ ofW mutual execution 01 tho ;:unendmcll\.
~. BROKER COMPENSAT.OtJ FROM BUYeR.: If i1Ppllc:ilble. upon CIMo& Of Ewow. Uu~er lIgteeS to D8Y compel'l8$Uor! to Srok9r til,
$pndllnd In a $nparol9 wri\ten ~9'.ernent betwovn guyur Olnd Sroker.
•• Tel'tMS AMD CONDI110N3 OF OFFER:
Tilts IS 8n off.r to pu~ Ihe Proporty on tho obo1te leJTJlII and COndl\lOl'Ill......, per1l9f~l'l. with ~es tor ltllll&ld by Buyer and
Sellet ~ ineCl1JlQTatod in 11\1$ Aw-~I\t 0Il1y if ,nllllllled "0'/ 5111 Dllr1lot". If 8t la,w en. but ncM 1:111 partIN WIlD'. $ counter offer "
f'CQulrCld until a~c:n1" /"Qor:hod. $l!Ile' bos tile nolll to oonllnue 1o OfJe,thQ PtOlll!lll)' for.\O;110 :lno Co ~c:it ariy otnr.rof"" pi :In)'
umc pnor to nulilieOll'CII1 t,f A<:eep\&nc.a. aurar n~ reIJlJ lind ac:knOWID(Jge5 rectlpt Of :I Copy or lho Off6' IUId Olgr~ f(t the ablNq
4;onfilmation or
aDe~c:y rlllatlonshiPG. 11 llt~ o:fer is ~pred and awer sobisOClU""fly defou/tll. Sl.I)rl!lr l'I'Al), be reQl>Onrllble lor
oayment 01 BrokA,," CO\Yll)GM:atlon. This Agfooment ;lntl;any 'llup/)\oan'tQnL add~ Of tnlld\flca1JOtI.I~in9 ?ony C¢llV. m.y Il~
SJslntrd 11\ lWO or mOre ollunlerp;ltt:lo, ..a of Whicn "h3lt collf>mlJlo ono MIl tl1Cl $:IJ7$ Wt\tinll.
Notice #3
Exhibils Volume B
B-94
Case 2:08-cv-0155\ ,p-cw Document 45 Filed 0'-, ,'2008 Page 20 of 29
p.11
~E~ PAOe: 11
16/22/2e64 15:42 31~~~B7531
....... 0 I. "UI.Ut1C~~ ~A"lI.l:H; ~lO 271 4a34j SfP.2~·04 3:56PM; PAGE 9/15
'·'OIlP<tyAcld"",..: J,i:Q.j ec ..-il:~_..$:;I"JV"l,y~) l:;8 tMl'2 0_.. £'W.Cl:mI'Pt..( .NO,

31. I!XPlAAY/OH OF OFR:fl: TIIIII off.'
~1l1l1I ber ~II revoKel1and he dapMllanall be roluflltd lIlf/e$ the Off&' m.
8lanillll otter '- PI:flIOA:lIIt roCClWed ~ Buy.r. &1 by
8og~e-d bY 3ItIltlt.aM a Coil' 0' "'It
•.,..... 's
~'ttacl to "'O'\V'l' II D'/ S:OO PM on I/Ie Inl", caIMl~r dttj alllot 'hl!> .c/I<fclCed. 0 l»'
~~~7q~-i;'--~ : O~MQr~}
lI:i.:!r.J,,;>.....liJ:1tJllI ._ ,r
l"'lnllifame)
J22z,1.!;l:t ,y~ft.~rel:, t.P. !II
-..,.,.. ~... _
IAddress) • """-"=-~--
3%. M.0KJ'iR COMPeNSATION r:ROflt .nn.WA:
A. \lpon CIao" 01 E.UClW. $6IUJr ~~~ to (>/''1 IlOmpo1l~on to Prc>~t .... ~cllt\ a ~ar_wllllM a\lfHtllOllt~~1'\ ~I", »fIQ On>lcct.
O. I' etiCtOW lJOCS l'lot dose. t:ompeMMOn 11I1NIYl'bIo.u ~ III UIJt ~ wl\ll<lR IQleElll'Ilflt.
:S=. .ACCEPTA~ OF Ofo"ERl Rollor wlIf,allts l/Jot s.u.r Is lh& _If ot illS PlWel\)/. or Il;tll \lie sutbo~ lillllll"Ule ibID AIJ-- seDer DCC:CPlSlIll!'
.:loovt ~• •_ 10 ~.II ~h. Pt.pM)' Ct\ tlJco _ '-mill Ifll4 OI)AlIlIIo/Ill, Il1lfI ..~ CO tl10 ll~ eoMltptlrtlott of -OCPlfoy ~U~'IoIlllb"'" s.\lliIf hO.$
tw"1I lind 36Jlo\o1ltlOoeo A>tcl91 or.. CODY or _I\gNleMnnl. 4r1d BIIlllot'izA $tGI<or to dawor , Signed COW to Ou)'lH',
o (lfd'lCd<4d) SUBJECl''rOATTACH£OCOUHTeRQFFet,DATED - ~_
0$ oaro __- - - -._- _

t.lEl\.Ef\ •• 5t\Uf\ ~_. _
tf1W~. :::lP""rj"'Ilt~Qel==----------·--------
(<(del.....) -----
I. _ •......-r=:! _ _ ) CONrlJlM4nDro/ OF ,t.CCeP1ANCC; A COD' of ~ ACclopI.tlltle \f#G _tudl)" ICCltlWd tl~ lStJ~ or Owcr'lf oldllOl1lcCO
vnCblC) - Il()elll Oft (l:Jttil) l.lt _ 0 AM 0 I'M. A llkM!lftg Agreempnt,1e enMItd Wfl(IfI
~ copy of $og....d A~tlmlt 1111!X'''''''''''1)/ rec:olved by O..,.or crllvylll"a ....tlootlzed Cll5l"nt WhDtIl6r ~ not "ftfl/IIICd 11\
1tI1., ~m0>'4. Complollon at \lib lOonllmolloUon "' l\Oll0p'ty ~tK In OI"OOt '0 Cft'll\lo aillnoi".ll ~ It... "0I1!1y
Intel\(f.CI to oVldetli:e '(/'fit dato thAt Col'll'ltm!l~9f ACCOIltVIICIt " .... "OU~II.
ReAl., e5TA1'Ei Dl'ItOKERS:
A. ~ e-.. l;lrokora ~rQo
0. I\fMIll:)I"O~Mhlp,~ C»ftfltnI<'d _
rt'" vartlolll to tilt' Ao~bor- ... ~r lIM ~'or,
Pll,.gtaph '21.
::IfAt.off .11
C. II ~Ielf in ~f"ph 2A. AgCII1 vlhUubn\JIIGd.,... 0/1'0( foftlu)'lt' """"'lIW~ rellll~ of Clf>lICISIL
D. CO~1INo IlROla!A COMP6N5I\TtONI llf\bl9 iroker "919" to Pll' C~R01lI "'-r (Seiling Firm) 1IA4 ~"9 1l1'OlUl' \0 1'9"'"
1lO':llIOt. 0lJt of lJontna fIfoIWr'S llroCDllOs 11\ c.erow: (I~ InC 1all'lll~l\t ~~ ttl \l\lt UL!I. 1I"'v1sIelj CwPetll\lllSl n...,..,.., ." a ....Jt(alpri of 1M MLS 1ft
whrli\ 1IlG PtOjlClly IGo Off4~ tor ~Io or .. tOCll>r~I"'Lf»; or ('II C' til -eJ<l)(I) 1110 OIl1lOunI ~" In Q /lAPOt'lllo wtl\tltllll!VNmunllCAR. POI'M
Cl\C1 ""tween lItbng orOlcct ."" c:ooperallJlg OIO~<If.
Raid ElIIJl19 8roIter (SeJ\ing flnn) t:;tY.~lI;;lQ;11;!i:n.~...IGIlt;"'IW1#Lfij ..I.IJ:.z;trz~~r:a:4
..::tns..JReSf:li - _ __._...,...---_=~...,.-----_:~-:- _
8y r" ~ __ .. • ~.A.~D*M ~r 0 t.aa4
M1$rt!S. ~.VPJ..~.Mt'.MIl-" CIt)I 11,11, ..l1rtcllor).t:Jl _ $lole Q\ 7,'P .f}J}.Q2..4...... ./
TolllPh_ t3ZD11Z8-:1,fJ1.6.-.. _ I'Iol( £J?"1/!4 '1-9:JZ8 UlP
l!-ma11.. ..I.ll:t.~'_...,,;AARrU'll:~
.!I!l!.w~"'eo:A
.. .... ---J
Rllal Esluu: 1JIo1V,.I' (~\III!I F~m) ~~~~ - -=-:-- - I
DlI DlIl" ""- - --/
lid_a -_ _ .....",......_ .. ~ C.'Y _ _ -:::=~ f3lIItt _ _ ~_2lp /
T..klpb~ _ FlilC ErlNd
1'~0'/lItfOLoen "'CI(HOWL8>~T.
~ HoldCll' aekllowlc~H f~1)101 OrO copy oflhlO AllmelnoM, (It Cll.clfod,O D ~,tllllNl umfWnl 015 ),
'ou,,~ atl'et fII.'lTlbenl> IIncl _ _..,.....,.-_....,.. .,..--.--:--:--:-_-:-_1
_~-.,....,.-_ _---~ • and l>fI~ 10 IIt\ as e-cm l'Io14er II\1bJeOUO PlII1l1ltlJl)h :lIS 9f1fl1~ J\grttlMnt. 'aD't
.. ~~~l ."C1UW 11l:;t,udI<J"r. r?fId th.. I,.,.",.. .., p~ tto"cfll QOlI91.:11 playl:uan",
~"!;tOW HoIO.., ~ Dd"",clf 1l\61lrtO ""to <If Conhmlr1lon 0' A""""lIInClll 01"'" ....9'""'.'" Il"l>fo_n ew.... ~nd Soli"" ill _. ---1
EscrowHolcllOt •. ._ _ Er.~« _
ay _ ..••. • Dale ------
ll,</dIvIl. _~'----------~ _ _, , _ - _ - _ - ' - 1
"hOn.lr-oxlE.......' _ ~.:::7===,...~~~~=_=_--::~~~_:_-__:::::_:~~-:-:-":":":_:c::_:_:~-----------1
~lYvlI tlvklor ~ IamellDy U\do e~lifomla Oeolilill'Jl>tl\ 01 CJ COrpol8liona,C) '~al'\:8.0 RelIIl Eslil1lrr lJcollS&#
'_ _ t _ .) Rr.!l';Cnoll 01'" o;FrR: 1110 ~unf.,r oIOt _ ~OUlIJ tn:Ido. TIli4 o~ _s ,-"",WOd und ~CJ<lClIId bY ~ 011.
:Stll"'sllllllDls) _ (Oarl!l1
Notice #3
Exhibits Volume B
B-95
Case 2:08-cv-0155l \p-cw Document 45 Filed OL. 2008 Page 21 of 29
MARA E:5CI<OW PAGE ~4

10/22/2004 15:42 3105507531
~~~. P'. ~~L~C~~ UA~~R; ~10 271 463+; SEP-22·04 ~;67PMi PAGE 10/15
BOYER'S INSPECTION ADV.SORY

(CJl..ft. Ponn lIlA. Rov-ed ",0102)
A. IMPORTANce OF PROPERTY ~ATlON: Th. J)/l}'$1CIJ1 c.ondltion of lfJo IQn(I onlt ilTlJ)n1l/JltmG1lt1l beinG pu~ III flOl
gu;tratMeed by C!l\h<lt Sd!let" or BrDker". ~or this ~l:On, you snould llOI1dW:1lhonJUEJIl j~galion .. of filII PropertY pt)I'ISCIIU)lly and wl~
Ptote~IS whO /lhO\Jld provltle written ~pol1S of l1'Ietr InvestliJallOl"ls. A veneral physk031 inllPeGf!Ol\ typlcatly doeu n~ ClNet.1I IBpeCb
of the Prop~r1y nor items a1t('ttlt'l(l tI\a proPerty ltIat ..ro not phy9leatlrlOC8ted grI the PtoI)$C\y. If tho l)l'Ofosslone!s ,..,;Ql't'Jfl'ltlJ1d fusttlrr
4nvI!U'g:.\Ion~. ineJ"tIi~l) II rettlt'ltrMnCf'\11OJ\ l)y 02 C1l'l:\T wnltol QPI".rn!or to I"..pe~ illQCoCaAclbt.. .;voilA or lha Property. yOU ohOUld QOntQct
Ql,o;IwrJOd OlIpctltlll/) eondUet SUCl'll1l1dl"OI\~I-nvelltf9lrllo"'$.
0. sUYeR RIGHts ~I) DVnIiS; You havu an :l1Ii(tmrttv. duty I\) DlI.'dse I&MOMbll:c (:8flI to prull'ld YOIJI'selr. IntJudlngi dl)COvory or
1110 h:gIlI. plliCtlCOl Clod t<tdtnIcnl ImplieatJon~ of disclOSed fnc;t:!. IIna 1M InvGGt/glllion etld vanllotdlon of II\formllllon and 'Il~ tIM yov
lQ\Ow or that Dre wkhin your dlll9'*" attention :and OtlseNatlon. Th. purC!1&• •9r~'8lv."you the ~ht eo tnve~ge.to thIl Pro~rW. It
you exerolee t"ls right. Md you 6hD\,IltI. you must do IilO i/lI'lCOOlVlftlCG with ibn tflmIS or tlVt agrP.Al'nent. Tnb; Is elm Ileat way for you t!)
:)I'OtllCt ygurwlr. It " -extr""",... 'y IInpQl1lml fOt' you to rrod .111 W!illen repo~ providlcl by ~..IJloneI, 'lid to dIl:CUM Ihl) rMulh or
nLtpoc:tioll$ wl\ll Iho pr',)le~1 WhO eon<llletUd tilt: lncpoGllOn. You h _ t~ tight \0 MqU<>$1 that sorar rn81L1t rttp;olr:a" cerruclKmu or
:altlt other ~ron boUcd IJpOrt jl~ di6covervd 10 your lr"'.$ll9~loo.or dltelosed bY Seller. It Seller 1$ unWIlling (lI' W1;!lble fa sallsfy your
·oQU...:.lS.. or ~u do nol want to putd12~ the Property in lIS ~1iod -lind dl&CCWOred condition. you havs the tight to ouncel the
,pmnllletll If you 'let Wlthlr, ~Clflc t1md ~l'Ifioll" If yO\> <10 not 4:411(:'" \till agrl!'el'Rcmt In 8 timely .;and proper Mannff. yOIl mtI.'f bo in
~n:1ICl\ or ~1>nV.et
::. SELLER RIGHTS AND DUTIES; SOIIDr b re<l\,llte<l 10 dbef086 to you M4lteJisI filCt$ lI110wn to t-tmlm:r th.:at ~ tIIo vtlluc or
to;l/~b111W Of tM Prop..l'IV. HOWir,,~r. s¢uor mlly not bOjlllW;l/~ or \)OMft ProPt:ll'ty 4Ofed:l Dfi:OnCl~1I. ~r OOl!'S> not 11&,", All ~Jtgallon
'0 inlIp~ lhe Property for your oooctit nQl' IS SOller ob~gat"d loropa.r. COtreCl ot Otl\elWl:se cure knOWn dtlfc:etO that OJ'O discfllBed 10 you
)f Pf&"'OUl'1y unkftOll/O de1~ Iha\ are cllsa>wnld by you Or your l/'lupeClCfS dul'/llg """OW. The llurehaE.c egreement obllg.;rleS seller to
'I'lake til.. ~ropl:rry avatk'ble to yeLl for ,(\I1e$ligolJons.
), BROKeR OPUGATIOHS; Brokers l;lO not NVO axpertiue In all DreM ana 1he~cml' etmnol ~(M."fI ~ou on m:an1ltflll'lS. lIudl "'iii 1I0il
It:lbtllt)'. gel1JogI~ or onvif'ollmetlt:1l conditiol\S, tI~Outl or llleglll ~ll.ld Il@r,ancgs, $Il'Udural ~OIlS or lila foUl'ld3t1on Of' othet
mprovementll. Clr the GOnditicn of ill. 'oof. PlumbIng, h"eung, au: ~\kll1If19. etectrlcal. MtNCt. ~ Y/allkl ~. or QUlClt Q/GtQm.
rhn onlY W!14'i '<) xcuralolv dq\ltrlllll'lo tilt eon~ orlb. PrOP'!I1)' IS IblOIJOh M Impcdlon by nn C1Ppropnlllu J1~1 ~od ~
IOU. II Prole", gl".$ yilt) t~f..rrClI41 to sum prol..u1onal$, 8rgkilt ~ not g~t" INrr pet1oimancl!l. You row lJIJIcOt BIIY prolO5$lOMl
>t your choosing. In SaIP.'l InvoMng resldMlllll dWellings wlt'! no more than {aur unit&, Brokers hp. a dl«Y to make a di/tlent \IIstIal
nll~ a~ the l!lcce51lhla nrM$ of the Proparly ana 10 dlsCklllO me resi/IM 0' that tnspe<:tlon. H o _ . _ tlOl'tl$ proJ)Ul11 dMeets or
:4ndillOfY., I'I'I:J)I nol bl' d't;(;OlI<IQblO from .. vl~ulll irllS""otion. II ,. pocr:.iblo erolml'l' ....0 hot _ 0 Or ttl""'.
II ,~ n~.....Iorcd Into ~
\/titian agree~l Yldn Q erOllot. tIIet fipuci1ic tMl'lA of tlll/1 Sgr~fl\a"" will d$tefmlno tho naftIre atId CIIIcnt or lt1et BtOka"" IIut)l' 10 you.
tOU ARE STRONG\.Y Aov\SI:P.O lHVESn<U.nt THE eOrtan'lOt.l AND SU\1J1oalLnY OF ALL. ASPec'l'$ Of l'tl2 PROPI:A.TY.I~
(ou DO NOT 00 SO, YOU ARE ACTING AGAINST THe ADVIce OF9ROKERS.
:. you ARE .wvlSEO TO CONDUCT INVE.SiIGATIONS.ot' TtiE E,mRE: PROPERTY,INCLUOING. 80T Nor UMll'I!D TOTKli
FOLLOWING:
1. GE!NEF(Al. COIIIDITION OF THC PROpeR'rV, 1'1"$ SV8T!MS AND COMPONENTS: FoundAUOtl. roar. plumblnll. ~tino. AIr
~rlln". elearlcal. mllChDmCilI. ~rlly. poollDpll. QUI'" '~flIl' nnd non'slI\I~r91 system" :illig component'l. f,Xl\Jres.
bUIIl·in appliances. Any pt>J$Ollal p.-worty InCluded Il'I th- e:llo. and el'\819y ll'IIIC:tc~y of the PropertY. (Structurel Ctl9l1leGJ'8 _e best
slllt¢cllO date.".,in" po~le deslan or co-!!lll'Uctlon dofoct:l, lind WIletflor Improvements lire lIttIlcwl'2t/ty ~und.)
2. SQIlARE: FOOTAGE'. "ce.OOUNDARlES: Squaro '/Q()'IlI90. room dImoA~onlt.lotPZIi', one of jrJlj)rov~tsQl1c:J tlo\,lndnti~~. Any
numCll'IC/21 JUllemlln\t. rcg:.trCllllg 1h~1t 110m' areAPMOXIMAllONS ON1.Y aAd hlWO no\ blJO\1 vcm1aCld by Sdler tsnl111DIVIO\ bo
".flflGd by Brok"". Fen~. hedge•• walls, retalnlnQ wak and other natlltlll or liOrtStrUctcd Mrrlers or mol!cetl; do not /ICOlIlt~t;.1'
lde"tll'y lru. Property llclII'1!lBlles. (Pror"lloI0naIS l,WCh as 1IJlPICllser;, archllllC:lS, F>UlW)'QIll ,,"el
OvcI en9lr1eP:l'~ are be6t !lUlled 10
detonnlnll !:QUlIU'Il foolllgl', dlmerlll/OM Ollnd ~\IIlCll'lrll'," of'ltI., Propql1y.)
a. WOOO OI!STP.OYlNG PF,5TS: PtclIoneo of. Ot et>l'lOtdona ~Iy to lOl'd 10 "'tl
pt$8UnOe or
WOOd dUBlfOying j)~t$ Mld orQllnI5lM
atrd other ~n 0' lpr.etion. In,pOctIon rcpolt$ coverl/llJ IhC$~ lterTl$ tal' be IICpafllted Into two sec:t/clnll: tloctlon 1 iaenlil'teK
c1t~$ wh9f'c /nfcaUltlon or in1'ccl/on Is evJoent 8c.IetIOn 1lde~ ...r~s Wf1er.. thClRI are conditions IlkellY to 18...110 inf6£tallon or
.rtl~ion. A 'COlSlorml ~.1ruc:wrlll pt.'ftf contrtll comPAny I!l best $uited to perform thtla6 1/l:';~O~.
hD Uf'YI'IgI1\ Ia....s DI tlla U1hea Sl:lloc CTII18 11 1,1.$. Code) tOrlllll t/ID
".\MQrqecj ~pto>o$~<If Itl~ 101"', <K oIlY pOl\1on Ul"r"Ot. "'I J)/tOlOCOIIY
",Gh_ C' !tAV 0"'''' """"..... P'lf.lvlItno fnClOlmll'l or o;ompub.rfud IOMtM~.
euy.,r'l\ lnllltl~ \
7tS-: )<
-t't ~"""
:op,nl)/If 0 lr.<11-2002. CAl.ll:'ORNIA ~-c)C\J\Tlo." 0 .. HeALTcmmo. ~~~.nllalo1:llt~)(
>Ie. ALl ~1('.J.fJli RC:SERVe;::>
IIA ~P'D 10t02(P....GC 1 Of 2)
llroII,-_ W ----=- 0810 _
:-:::~7.;:':::-:::::'::"=_~ _ _..s!e~U~Y.!:.F:1:B~·S INSP'6CTION ApVlSO Y IA PAGe 1 OF' 2

AV"I'II: HiV(. S,m~:m ~bofM: (310)47(11835 --9:FllJl:~'(~31~O:::)~=~:::;':'~'.:Pte:--""""--:lIlI~IR9~~~=o-""'loill>-~t:"of,!""~-"
&toIcor: au-.. & Orllfl,. Rea'Io... 13:13 Wc!stwood BlVd. • L_"'n C1lGe c.-.9UI1:H
Notice #3
Exhibits Volume B
B-96
Case 2:08-cv-0155~ Document 45 Filed OL, .2008 Page 22 of 29
Oo~ 25 04 05109p p.13
10/22/2664 1~;42 310sse7531 MAAA ESCROW PAGE: 1::1

-" ""........... fI,.o"- ... "c"i
~I..
310 271 4034; sce'?2-Q4 3:57P~; PAGE 11/15
1lIJYEl'l':$ Il\lSPliC110N ADVISORY (BtA PAGE 2 Ol' ~
Notice #3
Exhibits Volume B
B-97
Case 2:08-cv-0155l Document 45 Filed Ot, 2008 Page 23 of 29
uo't: C::;, u"t U:'IU~p p.l"t
"AGE: 14
1 El/22i21304 15: 42 •. ~le5507531
PAGE 121H5
WOOD OeSTROYING PEST INSPECTION AND

ALLOCATION OF COST ADDENDUM
(CA.R. r_ WPA, Rc'VICofd "lN02)
T:'II$ Is an aadendum 1<3 tfIe (B Califomle Resi(lentlal PufCh~ Agreement or a Other -

. , t"Agreernont"). dsteel ~f.Pt~ {. :-094
on propCI'tV known :w _"I~D S. P4!t:l1 ~.1!'!M-~.!I.zt1:rJli.4.I~, CA J.9:'.l!2'"'l:L...
:.? ~ _
- fPtoperly1.
bt:tWoen I(j .,,1& fiRlJI/I,lta ('Buy~(')
:'1M J~-!J.W;P..iJ!. ("Sdlcr;.
TH~ ~OLLOWJNG SHAW. RSPl..AOe 'rHE WOOO OESTROYJNG PEST INSPECTION PARAGRAPH (4A in thQ earlfom1D
Residenthlll Purch~ Agreomont (RPA-CAl) and 10MB supnrof)d& uny conflicting terms In allY prcwIou.Jy-gc,ner.1torJ
llgreement;
WOOD DESTROYING PESTS
A. a 6uyer Cil Seller s:hllil PD1 (or :1 IJest Conttor ROpOrt for wood d~lroy,ng p:$tll ollnCl orgl1n1c.m& only (~cport·t.
The Ril~ort ~II tle prepared by Ba.:#.ffii!iB oho,JC!<! • :a regi$t1troo '!Ittue\ural J)elIt
control compaflY. wno 5h"" !W!PlJfl:lt6 !:he Report Into $ElctlQlls ftlr evident InfestatIOn or iflfectJon (Section 1) and ft)(
conditions IIktlly to leao to InfeatOtlOn or rhfcCllOJ' (Sf:«ition 2). Tho Report chOU cover thl! main bU11Ct1ng snc1 atlllJ.ch"d
~truell..rm,. and. if c/lOcked: Qlf l;feteCI\e(J pattlgo$ and C31JlO1tS, 1:3 d~t:IIChed deck,;, 0 the foIlowin!! other ~l!UCturl!l$
co the Property; ...-:..... ••_ .
The RepOrt SIlRII not inClude IOOf COVCrm9$. If the Property is II utllt in e condominium or otnor <;ommo~ Inlcm$t
subdivISion. the Report :!JhElIJ include only lJ1e lIepomto int3re~1 tlnd lIny exelusive-u:ltf n~ bl'llno 1mnl>l'eITCICI, Gnd
snaIl nol,nclude common area:s. Water 1e$1::: of ShDwer pans on upPQtlevel unb may not be ~etI'ormed UI"lIe8$ \he
owners of property bolow the allow., consc::nL If Buyer roqoests InlJplIJet10n of inncoessiblo Gress, auyer Gllall pay for
the c:o:;t or CtlllY. Insplllr;!JOn .i)l'Id c10Sttlg for tl)O~ a~an. Imlosl> othotwtm 39teed. A wri\'-n PMt COntrol Certification
lihnn be !l;lluecl pnor 1'0 Close or e~row. unluGS ometwltle agreoc!. onl)' if no InfeS1atlon or tnft:etlon Is fourld or If
requlrPcl correetfve worK 1$ completed.
D. (SOGbon 1) aeuyer Iii! Soller snail pay tor WOlk rceomrnendcd 10 CQ/l"lXlt "Scctlon 1~ condltlon$ I;IesCribea in 016
Ropol1 end the COst of intlJ'eCtJon....",tty snd closIng of those inaceessibl& ~s where ar;;tlve intestatlon or lnfoeatlon
1$ dJ3covcrnd.
($40clion 2laa Buyer 0 Sr.llc."f' 6"<>" ~ for \volk rocommended to COtrecl "Section 2" contlltlClf1$ de:seribed in tho
Rcpon; if rcquceted by Buyer.
pV sl9nlJ'l\) I)e'ow. \be- undor.'ilgned ;\cknoWleClg&> tbat ea~b hIlS teod, \,I"densPhda and has I1tQCtiVlOd a Cl)PY ot trll$
~ddendum. .
Oflte 2.fP..~~...!!J-!<~():!.!0.l!.d _
SO~ ~;.. _
3uyer _ , '_'. .~, _ SeRer _ , , _
Notice #3
Exhibits Volume B
B-98
Case 2:08-cv-0155l Document 45 Filed OL, 2008 Page 24 of 29
Dot 25 04 05s10p p.15
19/12/2604 15:42 _."3105507531 f.fARA ESCP.O.ol PAGE 1:5

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Notice #3
Exhibits Volume B
B-99
Case 2:08-cv-0155t ,P-CW Document 45 Filed Ol, 2008 Page 25 of 29
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27 EXHIBITB
28
7
NOTICE OF CONTRACT FOR PURCHASE OF REAL PROPERTV CITED IN JUDGMENT BY COURT
Notice #3
Exhibits Volume B
B-100
-.',
Case 2:08-cv-0155L \p:,cw Document 45 Filed 04 ,'2008 Page 26 of 29
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-oet ZI ~i9pi'D 'fax-&at 4?8!i3'5 '6:45 t £rrorJlll1
Oct 21 Stl5pm Fax Sent 4782135 1:44 2 Enor350
0cL2l... ~39P'» ...EM $e. . - &:Um&-.- 2;54a- 'l- '*-
Oct 22 9~ Fax SeDt W72tS 0:00 0 No answer
*** Oct 22 1t:2Oam Fax Sent 19258927966 12:39 14 OK ***
Oct 22 II :S7am Fa Sent
Ocl 22 1ll1pBl f'M SeIlt
0cl22 1 :31pm Fax Sent
14155321301
Uin2.§624ltl
tZl322S628If
0:50
«39
1:33'
..
2
If
OK.
£ftoorm
OK"
Oct 2S 11:43pm Pax Sent 18183411897 1:10 2 OK
0Cl2S 4~1= Fill Sent 141525908S5 4:39 IS OK
m
Oct 2S 4;l5 Fax SeM 14152590866 0:37 0 Brror 3f6
Oct2S 4 PaScal 14152S90866 0:S6 1 Error 441
*** Oct 2S 5 JNft r.a:'SeDt 1t131!f8 ~ tS 'OK ***
Oct 2S S: PaJt.SeM- ~ ~ g.. ea.:el-
Oct 2S S 4pm Fill Sent 2784934 1:05 2 OK
(kt 2S 5:jrJ2pm Fax Sent 8587842 1:00 2 OK
Oct 27 9:52am Fill Sent 8237218 1:10 2 OK
FAX LOG OF SAMAAN AS INTRODUCED BY SAMAAN.

ALL COMMENTS IN COURIER, AND STAR NEAR SECIFIC TRANSMISSIONS
ARE BY JZ 11/3/07.
THIS FAX MACHINE WAS USED WITH TWO ALTERNATIVE IDENTITIES IN FAX
HEADER: SPELLBOUND, WHEN USED AS SAMAAN
ANONYMOUS - WHEN USED AS PARKS.
TRANSMISSION OF THE PURCHASE AGREEMENT ARE MARKED WITH A STAR.
a) THE TRANSMISSION OF OCT 22 AT 11:20a, 14 pages:
Appears in Countrywide's loan file, as if sent by Samaan to
Countrywide at that time, but was transmitted to 925-B92-7966
b) THE TRANSMISSION OF OCT 25 AT 5:03p, 15 pages (cover page added):
Appears in Countrywide's loan file, as if sent by Parks from 509 271 7B45
(State of Washington) to 415 259 0966, Countrywide in San Rafael
(California). As shown here, in effect it was faxed from Samaan in Los
Angeles to her husband in Los Angeles
Notice #3
Exhibits Volume B
B·101
Case 2:08-cv-0155t ,P-CW Document 45 Filed OL, ,2008 Page 27 of 29
1 Joseph Zernik
In Pro Per
2 320 S. Peck Avenue
3 Beverly Hills, California 90212
Tel: (310) 435-9107
4 Fax: (801) 998-0917
PROOF OF SERVICE
5 STATE OF CALIFORNIA, COUNTY OF LOS ANGELES
6 I am employed in the Los Angeles County, State of California, I am over the age of 18
years and not a party to the action; my business address is: _
7 On November 13,2007, I served the foregoing document described as:
8 Notice olContractfor Purchase ofReal Property
This document was served on the interested party or parties in this action by placing a
9 true copy thereof in the ftrm's mail, enclosed in a sealed envelope, and addressed as noted in
10 the attached mailing list.
[x] BY MAIL: I am familiar with processing correspondence for mailing. Under that
11 practice it is deposited with the U.S. Postal Service on that same day with postage thereon
12 fully prepaid at Beverly Hills, California in the ordinary course of business. I am aware that
on motion of the party served, service is presumed invalid if the postal cancellation date or
13 postage meter date is more than one working day after the date of deposit for mailing in this
declaration.
14 FOR ATfORNEYS FOR PARTIES
15 [ ] VIA FACSIMILE: I caused all of the pages of the above entitled document to be sent to
the recipients noted above via electronic transfer (FAX) at the facsimile number as noted in
16 the attached mailing list. This document was transmitted by facsimile and transmission
17 reported complete without error.
FOR COURT FILING
18 [ ] BY PERSONAL DELIVERY: I delivered such envelope by hand to the offices of the
addressees noted in the attached mailing list.
19 [x] BY EMAIL: Courtesy copy. Sent by email with copy to me by Joseph Zernik in Pro Per.
20 Executed on Nov 13,2007, Los Angeles, California.
I declare under penalty of perjury under the laws of the State of California that the
21 above is true and correct.
22 MAILING LIST:
1. NIVIE SAMAAN 2.COLDWELL BANKER + LIBOW
23 Moe Keshavarzi, Esq Robert J. Shulkin, Esq.
SHEPPARD MULLIN, LLP COLDWELL BANKER
24 333 SOUTH HOPE STREET THE LAW DEPARTMENT
TH
25 48 FLOOR 11611 SAN VICENTE BLVD 9 TH
26 LOS ANGELES, CA 90071 LOS ANGELES, CA 90049
FAX: (213) 620-1398 FAX: 3104471902
27
28 Name Signature
8
Notice #3
Exhibits Volume B
B-102
Case 2:08-cv-0155( IP:"CW Document 45 Filed 04 2008 Page 28 of 29
NAME. ADDRESS AND TELEPHONE NUMBER OF ATIORNEY(S}

JOSEPH ZERNIK
T: 310435-9107 F: SOl 99S-0917 E:jz12345@earthlink.net

PLAINTIFF(S), OS-CY-OI550-YAP-CW
v.
OF SERVICE
DEFENDANT (S).
I. the undersigned, certify and declare that I am over the age of 18 years, employed in the County of
Los Angeles, • State of California. and not a
party to the above-entitled cause. On April 15th • 20 08 •I served a true copy of
PlaintifTZemik's NOTICE OF COUNTRYWIDE KEY FRAUDULENT DOCUMENT- REAL ESTATE PURCHASE CONTRACT
depositing it in the United States Mail in a sealed envelope with the postage thereon fully prepaid to the following:
Place of Mailing: Los Angeles, California

Executed on Aprilj.itli"
7
2 (; . 20.....;;0;.;;;8
-
at Los Angeles • California
Please check one of these boxes if service is made by mail:
California.
o I hereby certify that I am employed in the office of a member ofthe Bar of this Court at whose direction the
service was made.
fiI I hereby certify under the penalty of perjury that the fore .
I, , received a true copy of the within document on '
CV-40 (OI/OO} PROOF OF SERVICE - ACKNOWLEDGMENT OF SERVICE
Notice #3
Exhibits Volume B
B-103
.
Case 2:08-cv-0155t ,p-cw Document 45 Filed O~ 2008 Page 29 of 29
Sarah L Overton
Suite 700
Riverside, CA 92501
951-276-4420
Email: soverton@cmda-Iaw.com
John W Patton, Jr
1875 Century Park E
Suite 2200
310-553-1500
Michael L Wachtel)
Buchalter Nemer PC
213-891-5761
John Amberg
Bryan Cave, LLP
Tel (3101 576-2100
Fax (3101 576-2200
Notice #3
Exhibits Volume B
B-104
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26 Exhibit B(3)
27
28

Case # 05-90374
Notice #3
Exhibits Volume B
B-105
.~"
unifort Residential Loan APitcation

This appllcaUon Is deslgned tQ bD a>mpleted by the applicant(s) Willi Ihe lende(s assislance. AppIicDnls should completelllis fOllll as '_'Ie!" Dr"eo.aOlTOWef", as
app'cable. Co-BorroYler Inronnalion must also be provided (and the appropriate box ched<ed) '>hen 0 llIe lA<;cma Dr assets of II persan other than the "llolTDlWl"
Cl/\cIUdIng the Bonuwefs spouse) will be used as a basi!; lor loan quallflcatJon or 0 the Income or assets of Ill. !loIro'MIrs sp!llJ3,e wnl not be used as a basis for loan
qualllic:ation. but his or her lIabilllies must be conoldered because the Borrower resides In BalmmunllY property stale. the secwity property is located In II a>m1TllJl1i1y
property slale, or llIe Borrower is relyl~ on olller property located In a Cl:Jmmunity property stale as 8 bB'ls for repayment III llIe loan.
L TYPEOF'MORTGAGEANDJERMS OFLOA~f
~'Drtgago OVA o OIlIer (explain): A4eney case Number
AppDod lor: 0 FHA samoan
Amount
S 1,374:400
PIllp.se of Loan fill Purehnse 0 0 Other Property WIll be:

o Refinance 0 Conslrucllon
Constructlon-Pennanenl
[explain):
Primary flesI!lOOl'" 0 Seam<laly Reside= 0 Investment
Complefo /his finD If Cl:Jnslnlction orconsrruetJon-permancnf loan.
Yearlo' Original Cost Amounl Eldstlng Uens (a) PresenlVaI"" aflol (h) Cosl of Improvemanls
Acquired
s s
Complete flrls line H /his Is II refinllnce lo.n.
Vear Original CllSt Amount Existing Uens Purpose of RefilUlnce Oescrlbe IrnPnlYBments 0 made 0 to be made
AcqIJred
CostS
Tille will b. held In what Name(s) Nlvle Samoan Manner In wlIleh Tille WW be held 5s1ale will bo held In:
An Unmarrled Women Fee Simplo
"S:::Du:::rce=c~f;:;O:::DI::'Ill:"iP;:a:::ym=e:::O:;-I,'S:::el;;;lIe:::m:::en=lC;;;herg=::es=llI1:::dJo='"Sllll=o::rd<.in:::al:::e"Fi"'l/lil:::oa=·n:=g7.(exp=I::;ain"'),......--...L..-------------lO lIl aseheld
ChocklnglSavlngs (oltMe¢al•• ,,"',"j
10. BORROWER INFORMATION . ~,ElOl'l'ower
Co-Bonmvers Name (lnclllllo Jr. or Sr. II applicable)
12271/2 S. Alfred Sltaet

MaIlIng Address, ;r difielenl from ?resel1l AdWoss
If "",iding af present add~ lorJess til n g:

Fonner Addres. (.treet. City. $ta~, ZIP) _ _No Vr.;, Forn,.,Address (street. nl _ _NO, Yrs,
OCT 12 200~
B6riowar ENnNFORMATlON
Nome 11 Address cf Employer [i!I Sell Employed YIS. on 1I11sjob Name 1\ Address of emplOyer
4Yr(sl
Sp.llbDund Enterprise, Inc.
Vr.;, employed In this
133 S. Peck Drive, Suite 104 ~~•.T.~~'!o~~ Ono afWDllVPlDfesslon
Beverly HlIla, CA 911212 2D
posili.nmUelTypo Df BUSines. BtlSloess Phone (Incl. area COde) Po.llionlTitieIType of Business Busines. Phone (Ind. area code)
President 323-655·5654
Ilemplcycd In r;ummt poslUon for less flrlJll twD YCB1$ DrIf currnnfly omployed In more flrlJll cno poslUon comprete tho foUowl",/,
Nama & AdWos. of Employe, o
Sell Employed Dales (from.l.) Nlllne & Address.' Employ.. Self Employed D.les (fro....'.)
. o
MOlIlhly Incomo Monthly Income
S $
POSIUDnmU~O Df BOslnes, IBoslnes, PhOne.~ncl. area COde) Po,ilitlnITolIeIJ"ype of Business IBuslno.. Phone ~ncl. area code)
Name & Address of Employer o Sell Employed Dale. (Irem-t.) Name & Address.of Emplcyar o Sell Employed Dates (from•••)
Mcnlhly Income Monl/ll)' Incom.
posllJontnllelType QI BusIness I S
BUSiness.Phone (Ind. area coda) PeslUDnIT1UerType of Busin"",
S
rUsineSS Phlll19 (incl. area code)
Fl1lddio Moo Ferm 6S 01ill4 Borrower Famia ~~ Fotm 1-003 OU04

Coly.<FDrm 1003 LolllUlllPl.lrm 01104 Computer Generate9.9a1 of 4 Cc.BoI"J'tIWCf _
Handwritten 1003
Notice #3
Exhibits Volume
~
I 'v. ;;;oNil:!LY INCOME AND COMBINED HOUSING EXPENSE INFORMATION " I
COmbined Monthly
Gross Monthly Incamtl Barrow., Ct>-IlarloWDr Tatll
Housing Ellpense
Presont Proposed
, ..
Saso EmpI.lrn:ome· S 33,333.00 S $ 33,333.00 Rem S 3,390.00
Overtime First Mortgage (P&I) S 6,299.33
Bonuses Olhsr Financing (pal) 1,128.60
Commissions Hazard Insurance 40D.87
DividendsJlnleresl Roal Estate T"""" 1,799.59
--
Nat Renlallncome
Other (b"... oom.~
Tolal
........,
WD litO oolk:o In "'dlt$-"""b8
S . 33,333.00 S S 33,333.00 Total

Mortgage lnsur.mee
HameQwner=n. Duos
Other.
S 3,390.00
• sell Employed BOrTOWCr(S) l1UlY be ",qulrud to provide addlUonal docwnenloU"" '''''h .. 1lIx returns and financlal.totemonb.
S 9,818.38
Descr[bo Othcrlneome NotJce: AlJmcny, c.bUd -support, or soplratt malntM.once IncDme need not bD 1'OYt!ated II the
Bo""wcrlB) or Co-llom>WCr(C) dlll>& notchODSeto I\llII1! It conslderod for rupayln9 thlo lollD.
~1- Ij::S_Mo_nl_hJy_Am_,_ou_nt_
I. VI. ·ASSETS AND LIABILITIES .. I

This Stalemenlandany appficablo supportinQschedules maybe ccmpleledjointly bybolllmarrie<land unrnat'lie<l Co-bOmmers iltheirasselSandliabililies eresulflCienUy
Jolnadsa llIallllaSliltementcanbe meanlngftdlyand Iaillypresenied ona ccmblnad basis;olllBlWi>e,sapamlaSlatamants and SchedulesIlIDnlqulred.lflhaCc>-Borrawer
section was complaled about a sJlOUBe,lhIs Slalement and suppoTOng schedules must ba completed about that 5pOUBe 01.0.
Completed 0 Jointly &l Not JolnUy
ASSETS Cash or Mar/<Dt llablUUcs and Pledgod AlI ••ta. Us! Ill. credll/lfll namb, address and =lIIlI number lar all outolandlng
DewtpUon Value debts, indtJding aulemobie loans. revolving chame aCtoun13, renI esIllle Iean3. B1imony. child support.
cash deposit Iowan! ptn'l:llase neld by: S .leck pledges, etc. Use ~nIimI.lian sheel UIlCCl!$sary.lndicale by (") those rlObiliti5 whith wif be
~aIi5ae<l upon sale of real es1llte ClVollCd or upon relinaPcIng cf the 5Ub)ecl Pl"porty.
Mala Escrow 30,000
Monthly Payment &
LlAlllUTIES Unpaid Balance
Montha Loft to Pay
u.sr chocking ami sllVfngs Bccoun'" below Nama and address of company SPayman1lMonl\1S 5
Name and address olllank, S&L.. or Cred" Union FIRST USA
Walls Fargo Bank POBOX291i20
P.O. Box 6995 PHOENIX, AZ 85036
Portland, OR 97228-6995
Acct no. 4332370051040372 197 9,870
Acct. no. 681-4098380 Is 181.097 NllJOO and add"",. of Company SPaymanllMlltIl\1S S
Nema and address of Bank, SM.. or CredIt Union FSTENTRMNT
wons Fargo Bank 6735 FOREST LAWN
P.O. Box 6995 HOLLYWOOD, CA 90068
Portland, OR 97228-6995
Acct. no. 925840600 266160 9,033
Aa:t. no. 750-0194399 Is 82,326 Nama and address or Compoill' S PaymonllMollllls S
Name and address of Bank. S&l., or etedit Union WASHINGTON MUTUAL BANK
PO BOX 1093
NORTHRIDGE, CA 91328
Acct. no. 1001000000000529053511 102 7,904

Acct no. S Name and address of Company S PaymenllMantn. S
Name and address Of Bank, sst.. Of Credit Union em
POB 6241
SIOUX FAlLS, SO 67117
Atct no. 642418069919 132 6,347

Aa:t. no. S Name and addreSs of COmpany S PaymentIMonllls S
Slll*, & Bonds (Company namel 5 BARNEYS tr( CRED CO
number & descriPtIon) 1201 VAl.t.EYBROOKAVE
LYNDHURST, NJ 07071
Aa:t. no. 6003355682 114 1,477

Nama and address of Company S Paymen1lMonllls S
LUolnsuran"" nal cash value S
FaCl!amountS 500,000
Subtotal Uquld Assats S 2BJ,422
Al:C\.no.
Real estate awned (enter maJ1le1 vahle S
Name and addre~ of Company $ PaymantlMonlhS
from schedule of real astal9 owned) ~
VCSlOd lnl!reslln reUrementfund S 44,000
Net ,",e!lll of busines6{es) owned S 500,000
(att:Jch financilll.llItement)
Aulomoblles owned (make and yoar) $
Acct no.
2002 Honda Accord 25,000
~a':~~~~j'rt."r1/separate Malnlenanea S
Other =ets [Itemize) S

Furniture 160,000 Job Relaled Expense (child cam, union dues, ele.) S
JawaJry 100,000
Total Menthly Peymonls S 811 .. :

Tolal Assels e. S 1,112,422 iletWorlh
amlnuS·bl. =>:15 1,077,791 Talal U.bRilles ... S 34,631
I
Frell1i. M.e Form 65 011lJ.l
Calyx Fonn 1003 lC.llilPp2./ml 01/0.< Computer Generate~.ge 2 of 4
Bor"'w,,;
C<>-Ilo""",", _
FDJlnio MDt!! form 100;;} Oll04
Handwritten 1003
I , VI, .ASSETS AND

Schedule 01 Real E!ila\e OWMd pI oodllional propellles are owned, use conUnuDUon sheet)
UABli,JTlE~ (cant). ~'-- .. '" I
Properly Address (enter S II 6Old. PS If pemling snIe Type of
er R II ronlal being held fer income)
Presenl Amo,,"lor GrtlS3
Properly Mall<el Velun MMgages & Lien> Renlllllncome
I Mcrtg age
Paymenm
Insurance,
Maln!llnance, Net
Tsxes & MIse. Renlallneome
s $ $ $ $
Tolals S S $ S S $
List any addIUonalllJlm•• undor whIch cmdll has pmvlously be.n l'll<:llIvad and Indleatn approprlatllcrodllor nama (s) ond peeoun! numblll(s):
All.male Name CJ11d1lor Nam. Account Number
\(11. DETAI~: ()F: T~SACTJOU 'VIII, PEC~T ION$

'"
l
a. Purclloso price S 1,718,000.00 Ilyou .....wet"y.s·lDnny quesllons alhrou9h ~ pl•••• u se c.ontlnuatlon: Borrcvoltt eo.a~m'Qwer
b. MeIBUons,lmprovoman\S" repairs ah.ot for ••ptan.Uon. Yes No YO& No
e. Land (hc.,ui"'d seplll'lliely) a. An> tllereany outstondir.gJudgmeotsagRinGlyou1 Dl?l DO
d. Refinance Oncl. debts 10 ba pa!dolQ b. HaVOYtlU b",ndedared ba.knJplwillllnlllo p..t7yoars7 Dl?l DO
e. Estimated prepaid items 6,299.33 t. H... you hod property fo",cl.>ed upon orlIi""n OU. or dee<! L' II&u llleleor D~ DO
I. Estimnte~ closinQ COS1S 21,816.00 In Ihela$t 7 years1
g. PIAl, MIP, FlDIaOlg Fee d. llreyoo a polly loal","",ul1 DG!! 0 0
h. Discouni 0' Bllrmwer will pay) e. lI..a you diltdly or IndlnlCUy bean obigiIllId en any loan whlcIl ,.."'led In DGll 0 0
L Tolal costs (add IteJ1l$' tIlrough hI 1746115.33 fomclosure, tansfarofElle In IleU ofl"",cI<l,um, orfud9111ant?
:':-~==:==:=:"::=:':"==:'::"::':""'-l--="7:7'7::-:;::'~ (Jh!s~ ~lSlf81l.Xh~ ... hrJIl1I.rnc::n;tgtklans. SBAICIN. taa:natm;:lt1:Ntmes'll
~ SIlbordinaletinanting 171,600.00 1D..... _'nll _ _ t"""'.) ..... Icam...,y_DgG.=n=J
="~=::=~~":o~~:-';;~~= .eaioa.)
~M1Mlln::t
k. Bonowef'sc!aslngcoslspaldbySellllr
L Other Credilslexplain) I. Ml you pnl$enlly delllquentofln defaull CD Boy Federal d eblo'llll)'olher OG!! 0 0
cash Doposlt 30 000.00 loaD, morlllsgg, flllanclal.blIgillloD, band, cr loan gualil1llll a1
• u"Y...•.... _bud.._dlnll\O""'..~ ~ _
g. Are you Ol>~gate~ to pay alimony, dlId SUjlpo!l, or ssparat!t maintenance? D~ 00
h. 15 BIIY pal\ .1 lb. down paymenl bomr.'n!d1 O~ DO
l Are)lOu a t:::Hnakar or endorser all Dnota? O~ DO
...........................
-------------1'---=,...."""",..,,.j.~ IlreYOUB U. S. clliten1 5lI0 0 0
m. Loon amount 1,374,400.00 k. Ara YtlU n pennBnenlr..lden!ll!len? Ol?l 00
(exclude PMI,MIP, Fuelling Fee finance
-:.....---:........:..--=----4------1L Do you IJrtund lo occupy 1/10 property as your primal)' roskJonco?
n. PML MIP, Funding Fee ti.anced l!"Ye,,' ....i*'.... '!lonll1 b.l<w.
5lIo 0 0
_,-__---,..,-,.,.-..".-,.. -+_--:-=-:-:-==1"'- Have you had en l1""elSl'llp InIerllS\ In aplllportyln lbe lasIlhreey0lll$1 ol?l DO
a. toan amcunl(Bdd m & n) 1,374,400.00 (1) Whallypo ofPlllpenydld )'DU cwn-principn1reskl= (PR),
_home (SH), or bm!lmenI prop!lly (lP)1
p. Cash froml1o Bonower 169,916.33 (2) Hco.v did you hold tilleto lh.ho......,.lybyycur.;elr(S)
(sublTaclJ, II, I & 0 from ij joln1lywilll your '!'DU.eISp), orjalnUywilh """!her 010$0/1 (0)1
IX. ACKNOwLEpG~.E.NT· AN.O. .AG~~m: 1
inIotu'ers., ~eM..'"'eI$. Guc:::::o:.tOQ. and .t1ions
lIB my o/;InBluro lllld thol ony InIonlianlll 0:
Bny I"'IOOII- ...y ouIIllI" any 10.. dUalD
0' ImpMlIllIl1ent or bOth unclor lllO PfOVlsI_
• mortgoge or deed of InlSl "I' Illa property
Uon "'" maaDrc, llIe _ •• of ObIBln!ng 0
or roO/Orify IUlY Information .... tolned In tne
nk: """,01 or tI\l$ oppli""6on. """n 111110 lonn
Blinn contalned in lho o.pp1icallon. end ll!l.m
he,.,in >lIlIUl:I elI""!!D prior lD closing ollll.
olhor "llhls 1Uld n:lIIt1lie. lIIel" mllY ho..
hlp oI1h<l1.<>al'l ""a/or llllmIllI>lnIlio. Or !he
tvic:eQl;. lW=a.u.cro or m.sign, w m:tdo iil-ll)'
kJn of this applicaUcn Q Pt1"'~drOnib
ond -M.. roccnll"ll')' Of "'f rc..lmie
n cf ttus app~Dn \ft:ro delivered c:lnloJnII19
Dato Co-BOITCWllrs Signature Oata

~ q~~1~~x
,
I.
X, INf'0RMATION FOR GOVERliM~N'n"ONITbR.IN,G .PURPOSJ;S I
ThefollowlnglnlormollonlsrequesledbylhaFederalGovemmenlforcel1ainlypesofJo.nsrelallldtoadwal9nglnorderIDmonllortho la.de(scomplhlncewilh equal"",a~
opportunlly,falrhousl.gandhDl1lemO!lggoeal$c!osuIilIev.'S. Youamnotrequlredlofumi,hlhlslnformatlon,bulemancouragedlodoso. The IaYlpl'Ollldasthola lllndermay
dls<:rimlnal9nellberonlhabaslsoflhlslnlormalloo,nofonllAlelhefyoucllooselDfuml,hlllfyoufumlshlhelnfonnatlon,pleasep,ovldebolheU1nlcllynndraoe. Forrace, you
meyeheellmorelhlll\onedeslgnaUon.lfyoudOnolflJrnlshelhnleily,raee. orSOl(,vn~er Federalregulellons, thI.land~rlsrequimd IonolelholnfOlTl1allononlhebaslsolv;.ua!
ob"Mlijanorsumame.lfyoudonoIVllsillDlumlshlhelnlcrmaUon,p1easechec~lIlDboxbelow. (landermvslm'llawtheabove malerlallollSSomIhallhedisc101lll'essaU.fy
an ,equlrelllllnis to which the lander Is subject unllerapplicable state law for the particular type of loan nppUed for.)
BORROWER old.IlDl"I.hlDfum,""lhlJlllIormali.n CO·BORROWER 01 do nolwlsh 10 rUm'"" !Ill. Jnfonnau••
Elhnlclty: D HI,penio Of Ln1ln. @] Hoi H1'pllDic .r La~"" ElI1nlclly: 0 HI5pal1Ic or Lalino o Not Hbpanio Of U>li<lo
Rae.: oArnonconindlsnor D ABlan DSlaac, Rao.: DAmenc:anln~lanor O ....1an DIlI.okor
Alaska NaUva Artlcan Ametlcon A/alIka tlallvo AfIl,canAmoo;:;:to
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Sox: &I Fernnle Sox: 0 FOlD'llo OMala
Tol>eComploledbylnl.rvlawor lnle . NameandAddlm,"r lnlerviewe,'s Employer
This apprICBUO. wa, taken by: c Pacific Morlgage Consultants
oo Face-ll>-f.ce interview
Mall
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700 Larkspur l andlng Circle #'Z75
larkspur, CA 94939
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Notice #3
Exhibits Volume E
B-108 - --
PovveredByPitney Bowes Page 1 of 1
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Instructions Online Label Record

t. Adhere the shipping.labelto the package. A self- Delivery Confirmation Number:
adhesive labelisrecotnmended. If tape or glue is
used, DO NOT TAPE OVER BARCODE. Be sure all 42090027·91011288 8230 0388948$41
edges are secure. PrintOate:08/19/08(GMT)Ship Date: 08/19/08
2. Place the label so Itdoes not wraparound the edge of Priority Mail Postage: $4 .75
the package. Electronic Option DeJlveryConfll1TlatlonFee: NONE
3. Photocopying. or other counterfeiting of US Postage is FlatRate Envelope: Yes
punishable byftne or imprisonment. 18 U.S.C. Section From: Forgery Finders, LLC
501. 120 N. Mill Creek Rd.
4. Please use this shipping label on the ship date NoblesvUlelN 46062
selected when you requested the label. To: JOSEPHZERNIK
2415 Saint.George
5. For information on pickup options, go to the USPS LOS ANGELESCA 90027
Pickup page at
http://www.usps.com/pickuplwelcome.htm.
Shipping label technology provided by Pitney Bowes, Inc.
~9.ti,ce #3
https://ibdswebp I-ext.pb.comlimagesIUSPS/HTMLFolderslHTML15/f9c37be77-a93 9-fbttli~ts v8tGlW~008
8-109
August 19,2008
Joseph Zernik DMD Phd
2415 Saint George St.
Los Feliz, CA 90027
Dear Mr. Zernik,
EncloS~d is our professi(mal opinion concerning the. authenticity of the documents that
youfurnishedto us. We are identifying these as Case2 and Case 3.
Wtif;fi:eiricluding .a copy bf the submitted documents, together with the•professional
opinions of Robert Meister and ScottMeister.
Additionally, we are includingthe CV from each of us.
We appreciate this opportunity to perform our analysis and provide you with our written
opinion.
If youshould have any further questions or concerns, please do not hesitate tocalLme at,
(317)443 -1616
Sincerely,
Robert Meister, FDE

Enclosures
Notice #3
Exhibits Volume 8
8-110
Robert A.Meister
Certified DocumentExam.iner
120 N.MiU Creek Road. Noblesville;JN49062
Office: 317.770.1000" Fax: 800.786.2629
Email:experts@forgeryfinders.com
WWW. ):OtgQtyl=jndQt~ ~COlll
Questioned Document Examiner Letter
Questioned Signature ofVictor Parks - Case 2
Date: August 19, 2008
I have examined three (3) submitted signatures. One signature, the questioned signature of
Victor Parks, found on the PRE-QUALIFICATION LETTER dated September 7, 2004
identified herein as "Ql." Two (2) .signatureswere presented as "known signatures" of Victor
Parks. The.first "known signature" found outhe .• SUPPLEMENTAL DECLARATION OF
VICTQR PARKSiexecuted on November 6, 2006 is identified herein as "Kl." The second
"kn9W1lsi~t\lre"folU1don th~QECLAl<ATIONOFVICTORPARI<Sexecuted on October 27,
200«s iside~titieclJJ;er~in>as "lC2/' These "known signatures" were used to determine the
authenticity with the "Q1" signature. For the purpose of this .examination, a comparison was
madebetweeti."Ql"311d·the aforementioned "knoWIl signatures."
TodaY 1 have compared the "known signatures" of Victor Parks to the questioned signature of
to
Victor Parks "Ql," determine the authenticity of the questioned signature.
The signatures provided for this examination were viewed side-by-side and enlarged at multiple
scales by· the use of aC()ll1puter to aid the examination and comparison process. Common
features of the "known signatures"· were compared to the questioned signature.. AdditionaUy,
utl1.l.~al featuresof"Q 1" were compared to the "known signatures."
Based upon. thorough analysis of these itell1s,andfrom. an application of accepted forensic

dO~1.lmente~inati9n tools, p~nciples andtechniques, it is my pro~essional expert o~i~ion that
a different person alithored the name of Victor Parksion "Qt." 'I'heauthor of the known Victor
Parks signatures is not the author of the Victor Parks signature on the questioned document,
"Q1."
I am willing totestifYto this fact in a court oflaw.
Respectfullysub1l1itted,
~~
RobertA. Meister
SWORN BEFORE ME on this 19th day of August, 2008

Robert A. Meister did appear before me.
STATE OF INDIANA
COUNTY OF HAMILTON
ary Public -' State of! ana
My Commission Expires II)' 1()'J1?/O
Notice #3
Exhibits Volume B
B-111
Scott R. Meister
Certified Questioned Document Examiner
120 N. Mill Creek Road, Noblesville, IN 46062
Office: 317.770.1000 Fax: 800.786.2629
Email:scott@forgeryfmders.com
www Jotggtyr:fndgtg.com
Questioned Signatures of Victor Parks .... Case 2
Date: August 15,2008
l.have examined three (3) submitted signatures. One signature, the questioned signature of Victor
Parks, found on the PRE-QUALIFICATION LETTER datedSeptember 7, 2004 identified herein as
"Ql." Two. (2) signatures were presented as "known. signatures" of Victot Parks. The first "known
signature"Jound on the. SUPPLEMENTAL DECLARATION OF VICTOR PARKS executed on
Nov~niber6, 2006 is identjfied herein as "Kl.". The second "known signature" found on the
DECLARATIONOF VICTOR PARKS executed on October: 27, 2006 is identified herein as 11K2.."
Th~e ~'knownsignatures"wereused todetel.'mineithe/authenticity·with the "01" signature. Forthe
purpQseQf thisexam.inati6n,acompansol1was madepet\Veen"Q1" and the aforementioned
"known/Signatures."
Today! havec6mparedthe "known signatures" of Vict());,Parkslo the questioned signature of
VictoiParks "Q1t to determine the authenticity ofthe questioned signature.
The· signatures provided for this examination were viewed side-by-side and enlarged at multiple
scales by the use of a computer to aid the examinatioIl<and comparison process. Common features
of the "knoWn signatures" were compared .to the~uestioned signature. Additionally, unusual
features of "Ql" were compared to the "known signatures."
Based upontilorottg1t analysis 0f.tbeseitems, an4ifr01l1anapplication of accepted forensic
document examination tools, principles and techniques) it is my professional expert opinion that a
different person authored the name of Victor Parks on "Ql." The. author oftbe known Victor Parks
signatures iSlloftheauthor ofthe Victor Parks signature on the questioned document, "Ql."
lam willing to testify to this fact in a court of law and I will prove to tbe Court thatmy opinion is
correct.
RespectfuUysubmitted,
C;;c..1i X.fl!le·ill:-'l..--,"_
Scott R. Meister
SWORN BEFORE ME on this 15 th day of August, 2008

Scott R. Meister did appear before me.
STATE OF INDIANA
COUNTY OF HAMILTON
otary Public - State 0
My Commission Expires~-LJo<:......r-4,.L-1o~""""'"
Notice #3
Exhibits Volume 8
8-112
Scott R. Meister
Certified Questioned Document Examiner
120.N. Mill Creek Road, Noblesville, IN 46062
Office: 317.770.1000 Fax: 800.786;2629
Email:scott@forgeryfinders.cQm
WWW.r:OtgetYr:ihd(U.~:.com
Questioned Signatures ofVietorParks'-Case3
Dat:: August 15,2008
I have examined four·.(4) submitted signatures. Two signatures, questioned signatures of Victor
Parks, fotlIldontheUNIFORM RESIDENTIALLQJ\l'l APPLICATION (for the amount of
1,374.,400) dated September 7, 2004 identified herein as "Ql"and on the UNIFORM
RESIDENTIAL LOAN APPLICATION (for the amount of171,800) dated September 7, 2004
identified herein as "Q2." Two (2)'signatures were Pres~ted as .'.'kn0wn signatures" of Victor
Parks. The first "known signature" found on the SUPPLEMENTAL DECLARATION OF
VICTORP,ARKS executed on November 6, 2006 is identified herein as uKl." The second "known
$ignatur~".f'0U11dQn .~e D~CLA.RATION OF VICTOR PARKSex
ecu
tedonpctobet27,2006 is
identifiep,hereini~ ''K.2.'' . These "known signatures" were used to determine the authenticity with
the "QF~ .and "QZ" signatures. For the purpose of this examination, a comparison was made
1>etwe~n "'QF'afid"Q2" and the afOrementioned "known signatures."
Today I have compared the "known signatures"· of Victor Parks tothe questioned signatures of
Victor Parks "Ql" and "Q2," to determine the authenticity ofthe questioned signatures.
Thesignatutesprovided for this examination were viewed side-by..side and enlarged at multiple
scales J,)' tlI~useof.a c0111Put~rto aid the exatnination and comparison prgcess.•• C()111lllon features
of the "known signatures" were compared to the questioned signatures. Additionally, unusual
featuteSQf"Ql" and "QZ" were compared to the."known signatures,"
Based upon thorough analysis of these items, and from an application of accepted forensic
docu1l1ent e~ination lQols, .iprinciples and techniques, it is myprofessionalexpertopmion thata
different person. authored the name of Victor Parks on "Q1" and "Q2," The author of the known
Victor Parks signatures is not the author of the Victor Parks signatures on the questioned documents,
"Q1" and "Q2."
1 am willing to testify to this. fact in a court of law and I will prove to the Court that my opinion is
correct.
Respectfully submitted,
Scott R. Meister
SWORN BEFORE ME on this 15th day of August, 2008

Scott R. Meister did appear before me.
STATE OF INDIANA
COUNTY OF HAMILTON
Not ry Public - State ofIndi .
My Commission Expires 10 -/0 .JoIa
Notice #3
Exhibits Volume B
B-113
Robert A. Meister
Certified Document Examiner
120 N. Mill Creek Road, Noblesville, IN 46062
Office: 317.770.1000" Fax: 800.786.2629
Emai1:experts@forgeryfmders.com
www.J:o..gQtyJ:jhdQ~.com
Questioned Document Examiner Letter
QUestioned Signature of Vic.torParks - Case 3
Date: August 19,2008
I have examinedfol1r(4)submitted signatures. Two signatUres,questioned signatures of Victor
Parks, <found on the UNIFORM RESIDENTIAL LOAN APPLICATION (for the amount of
1,374,400) dated September 7, 2Q04 identified herein as "Ql" and on the UNIFORM
RESrpENTIAL··LOAN APPI..ICATION (for the.amountof171,800) (lated. September 7, 2004
identified herein as "Q2." Two. (2) signatures were presented 1lS "kno",llSignattires"ofVictor
Partes. The·first "known signature" found onilie SUPPLEMENTAL DECLARATION OF
VICTOR PARKS executedon.Noveiliber 6,2006 is identified hereil1as IIK.l}'Thesecond
"known Signature" found on the DECLARATION.OF VIC1"ORPARK~·¢~ecl.lted()~Octoper 27,
2006 is. identified herein as "K2:' These 4'known signatures" were used to. determine the
authenticity with the . 4'Ql" and 4'Q2" signatures.. For the purpos~/of this . • e2tammation, a
comparison was made between "Ql"and "Q2" and the aforementioned. "knownsign(l.tures."
Today Lhave compared the "knownsignatures".of Victor Parks toth¢questioned signatures of
Victor Parks "Q1" and "Q2tto determine the authenticity of the questioned sign(l.tures
The signatures providedfotthis exarninationwel'eviewedside-by-sideiand enlargedatmultiple
scales hythe use>ot?acoUlPutertoaidtheexaminationand COl11patisonprocess•. Col11mon
features .• ()f the. '~lq1()~ . sigJ).atur~f were compared. t0tlle.. questioned. signatures. Additionally,
unusual features of"Ql"ap.Q"Q2'}'W~~coll1pared to the "knownsign,atures."
:aasedupOl1 thorough. analysis of these iteIlIs, and frofu an applica.tionof accepted forensic
document examinatiolltools, principles and techniques,it is my professional expert opinion that
a different person. authored the name of Victor Parks on "Ql" and '4Q2;" The author of the
known Victor Parkssign,atUres is not the author of the Victor Parks signatures on the questioned
documents, "Q I" and "Q2;"
I am willing to testify to this fact in a court of law.
Respectfully submitted,
G?~t~
Robert A. Meister
SWORN BEFORE ME on this 19th day ofAugust, 2008

Robert A. Meister did appear before me.
STATE OF INDIANA
COUNTY OF HAMILTON
otary Public - State
My Commission Expiresc~j,..:...'1-:.·/j~. --=...--'--'''---_
Notice #3
Exhibits Volume B
B-114
Robert A. Meister
Forensic Document Examrner
Forgel"'Y.Finders, tLC
120 N. MillCreek Road
~oblesvllle,Jn 46062
Phone: (31?) 7704000 Fax: (BOO) 7B6"'2629
Forensic Examination Provid,ed For:
Dfspute.Q documents or$lgnatures, Including WilIst checks, contracts,deeds,C1ccount

Jeggers, meQlcal records,..andautograph authentication.
Education
BS Civil Engineering,Bradley Unlvel"sity, 196B

"MS Engineering Administration, Bradley Unlvel"sitY,1975
Certificate in Electronics,.DeVry Institute,1972
Training·. and Apprenticeship
School of Forensic Document Examination

Training Completed between 10/2004 - 10/2006·
Certification as a Forensic Document Examiner~ 10/2006
Analyzed Documents from over 70 Cases in 28 States, Canada and D.C.
Instructor for Handwriting University's School of Forensic Document Examination,
2006 - 2007
American Institute of Applied Science

Certification in Questioned Documents, 9/2005
Specific Areas of Training:
Handwriting Identification and Discrimination

Signature Comparison
Techniques for Distinguishing Forged Signatures
Disguised Handwriting
Altered Numbers
Anonymous Writing
Laboratory Procedures
Ethics in Busln.ess and the Legal System
Notice #3
Exhibits Volume B
B-115
RobertA. Meister, FOE Page 2
LabQ@tory Equipment used for examination:

;it
Precision Nikon Digital Camera

Precision Flat Bed Optical Document Scanner
AmScope Stereo Microscope ST60 Sx-30x, with Digital Output Camera
Assorted lighting devices anti measuring scales and rulers
Library
Handwriting Identification; Facts and Fundamentals, Roy Huber, 1999

Document Examiner Textbook, Jess E.Dines, 1998
aetweenthe. Lines, Reed Hayes, 1993
Dishorestyin Handwrltinfi, Andrea McNichol, 1993
ScIentific ExaminatiQn.of Questioned Documents, O.rdway Hilton, 1993
Red Flags on Forged>Checks,JoeLucas, 1$99
Written InCnme, Reed Hayes
FOrensic HariclwrltingExafTJin(ltio2,R~rd~(jyes 2006
Attorney's Guide to DocumentExamll1ation, Katherine. K(j~penhaVer/2002
J.2)ocument ExaminatIon manuals from Americal'l Institute Q.f Applied§clence
I?lack'sl.aw Dictionary
Ba rron's. Law Dictionary
Conferences Attended & Presenter
20P5 Document Examination Training Conference.

2006 Document Examination Training Conference
Dallas, Texas
Publications
"The Concise Technique for Forgery Detection",

Co-Authored Robert & Scott Meister
"Use of PowerPoint in Determining Document AuthenticitY"
"Advanced Computerized Techniques In Exhibit Preparation"
PC Video Presentation + Paper
Professional Affiliations
Registered Professional Engineer, Illinois and Indiana
Notice #3
Exhibits Volume 8
8-116
Scott Meister
Forensic Document Examiner
Forensic Document &x8mlnn( LtC
.: 120 N. Mill Creek Rd
NoblesvilleI' IN 46062
Phone: (3I1) 441-4845 Fax~ (311) 710..7188
www.fgrgeryflndem,.c;gm
.
,
Itorenslf: Examination P1'OVldtld For:
Includes but not limited to disputed documents or signatures, Ind4dlng WillsI' checks,
contraetsI'qeeds, account ledgers, medical records, and autograph.authentlcatlon.
eduCllt/on
Bachelor of SCience In Business Administration, May 2000

Masters of Science In Accounting, July 2001
7",'nlnlllfnd Appl"fmtlceshlp
School of Poren$1t Document Examination

TraIning completed between 10/2004 - 10/2006
Ct;!~lftcation Ha,Forensic Document Examiner, 10/2006,
Anatmd Documents from over 63 cases In 23 States
Instruetor tor Handwriting University's SChool of Forensic Document Examination
2006.. 2001
American Institute;of Apptled Sdence

certification .In.Questioned Documents, 9/2005
Spedlic Areall0'7,alnlnll:
Handwriting Identification and Discrimination , I
Signature Comparison
Techniques for Distinguishing Forged Signatures
DisgUIsed Handwriting
Altered Numbers
Anonymous Writing
Laboratory Procedures
EthlC$ In Business and the Legal System
Notice #3
Exhibits Volume B
8-117
COmputer
Adobe Photoshop
Photocopier
ScanMr
Magnifying t;!evlces
Stereo MicrosCope 5x-30x, with Digital Output Camera
Library
HandWrltlng Identlftcatloh: Facts and Fundamentals, Roy Huber, 1999

Document Examiner Textbook, Jess E. Dines, 1998
Between ,the. Lines, Re$d Hayes, 1993
DishonestY'" Handwriting, Andrea McNichol, 1993
Red Flags on Forged Cheeks, Joe Lucas, 1995
Written In CrIme, Reed Hayes,
COnfertlm:tMIAttended
2006 Document examination Training Conference

Dallas, Texas

DaUas, Texas

Dallas, Texas
PubliCl'lt/ons
"the COncise Technique for Forgery Detection"',

Co-Author~ Robert & Scott Meister
"Use ofPowerPoint In Determining Document Authenticity"
Co-AuthorectRobert & Scott Meister
"Advan~d eomputeri4ed Techniques In Exhibit preparation'"
PC Video Pn!lsentation + Paper
Co-Authored Robert &Scott Meister
• I
Notice #3
Exhibits Volume B
B-118
Case 05-90374 Document
---------..,,"_ 260-3 Filed in TXSB on 05/08/09 Page 15 of 35
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0406=12p 509
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cn.-dit. and liOIltCc of lund!l. Dud we're happy to conlirm thll.tyou've ~'i\ prc-q~tUJilll.'tI to purthillCC a
51.1OO.OUO home wi"" Stl/lOJIO tlnanci'll~. this pt;?qIIAJificatiM ill !lubject to written verification
..llrJ lilll :lflprtW.11 rl'!\mt~llr ul1d\ollWritin}vJlip:'J1lncl\l~
My team and J 3N!kdicah;dlt'.iti~illgYWJ'hcl'l\.~~rvicc. SurpNt.~d~mdl,1dnnywherQ! We lire

.:mlliJl:II{ Ih", yeW willl1nd '~llrl..'V~1 (\f ~vjl:l:' :111<1 1,'l.1Il1111iln'M)1 I\I:Cmll.JUU1Ill\I,'!
I lIlt." fllrwnl'c1 h"l "'l"Irkil\~Wllh yoo to :t SlICCCJ\J\ful c1oso (If l,;s\:roW, 8h\lUltiyClu dC1iir¢llnditiml,11
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ViCUlr !'arks
:-;f. l.oa11 Con);lIltlUlt
!!l3>lNYS "3MalCXl :AB IN3S

1 SUPPLEMENTAL DECLARATION OF VICTQR.PARKs

2 Y. Victor Parks, state and declare as tollows:
",
3
4 1. 1 am a Senior Loan Consultant with PacifieMortgagetoan
S Consultants. I submit this declaration in support of Nivie Samaan'sSW·Replyto
6 defendant Jospeh Zemik's ("?crnik") MObon to Expunge Lis Per'Ji:kns. I have personal
7 knowledge of the facts set forth herein. whichareb:to\V1\byme<tcjbe 1:rUean(1correct, and
8 if ca11ed asawiUles$, .I could and wQwd¢ompetently testify thereto.
9
2. Attached hereto as Exhibit 27js attueRnd ~oriect copy of the
10
Purchase Agreement thatMara Escrow me on October 22,2004. The. faxJine on the top of
11
the documents shows that Mara Escrowsentlton October 22, 2004, at 3:42 p.m. This
12
document was not signed or initialed by the defendant
13
14 3. Attached hereto as Exhibit 28,i$a tnleatl<!correct CQPY of a letter I
IS receivedfi:'orn COuntrywid~ HomeLoans.Jnc.,4a~ NovembCr'o. 2()()6,>C9l'1flt'Oli.ng that
16 on or aroundOetober 14, 2004, Countrywide snspended the processil'1gofMs,S8n133n's
17 loan because they had not yet received a copy ofthe.fully executed Purchase Agreement
18 This tetter is accompanied by the actual Notice of Suspension that Countrywide sent me in
19 October 2004.
20
21 1declare under penalty of perjury under the .laws of the State of'California
23
24 Executed on November 6, 2006 at San Diego, California.
25
26
27 Victor Parks
28
JOB #2
PAGES
Notice #3
Exhibits Volume B
B-120
1 Contingenc?y by October 11. We had one full week befote1h,c4.eadlinetor.close of

2 .~'W• .ItwouJd have only taken a few days for the loan doownentstQbc prepared.
~.
3 Based on my experienceJ believe that the pamescould have closed e8¢r0w by November
4 1,2004.
5
6
r declare under penalty of perjury under the Jaws Qftltc: State. ofCaliforni4
1 that tbeforegoingis t'rUeandcorrect.
8
9
• California.
10
.11
12
13
14
15
16
17
18
19
20
21
.22
23
24
25 . .~
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26
27
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Exhibits Volume B -
B-121
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Notice #3
Exhibits Volume 8
8-122
fa IllOpllll areewned. useconllnulllcnslultl)

Ill$UI8!lCa.
f>ltlpII/lYAddrtIs!l (enters I' .old. PSII~' Il8IeTyPeO/ f'nJnnl Amounlol Grou MLlI1g'0e MaInIlIIlAIlCIt, Net
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0Ih.._1_ til
ON."". Howallen or Whi. o Nllllllt HI""'IIo. 01
Olhet_rololldor
DVYIlllo
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rnte applcatlon wal18ken by: V etOt Partls PaCIfiC Mortgag. Consultants
Dfacl-l0r!3. ter;lew 1111 S 00 LarkllpurLartdlng Circle #215
OMaH ~ Lat'ltspur, CA a4939 '
IXlTelophone· VI( ' - - IP) 888-51505693
Olnlll1l'lel IF) 310-498.3256
F",ddl. MeQ Farm 85 01104 COml'U'te...•GeneroteW F.MIo Mae Fo,m 1003 01104
Caly. FOIm 1003 L..".pp:Urm 01104 ~lmlclIAWj.~.I·~.3ri H)O:lPa90 3 or 4
.108#3
~M#a
E~~irs\tolume B
B-123
1
2 I, Victor Parks, state and declare. as follpws:
3 '.
4 1. lamaSenior Loan COflswtantWith Pacific Mortgage LOan
S (J9nsultants. I submit th.jsd~elarati(>n in support of Nivic Saxnaan's Sur·Replyto
6 defendant lospeh Zemik's('t~emik") Motion.toBxpunge Lis Pendens. I have personal
7 kno\Vledgeofthe facts setJbrth berein.whi~h.atek.nown oyme!obe ttueand correct, and
8 ifoaUedas a witnesSt[could and wouldiCol!1l'etentl)' testify thereto.
9
2. Attached hel"etoas BXlU1.)jt27 is a trueAAdeorrectcopyofthe
10
Purchase Agreement that Mara Escrow mconOctober22, 2004. Thefaxline on the top of
11
the dOCUn1cntssbows that Mara Escrow sent It on October .22,.2004,at 3:42 p.m. This
12
document was not signed or initialed by the defendanl
13
14 3. Attached hereto as Exhib~t~8, is a tru~aru;1 ~()ll'CCtcopy()f a letter I
IS reeeiveaftomCountrywide HoJ11~Loa.rttIJ1c .• datcdNovem~~t 2006. col'lfirming.that
16 on oratouodOetober 14.2004, CountryWide. suspended theptOCt$s!ng of:Ms.Sam8@'s
17 loan because th~y had notyct received a copy of the fully executed PurchaseAgreement.
18 This letter is accompanied by the actual Noticeo! Suspension that Countrywide sent me in
19 October 2004.
20
21 I declare under penalty ofper:jury under the laws of the State ofCaJifomia
22 that the·foregoing is true and correct
23
24 Executed on November 6, 2006 at San Diego. California.
2S
a3KI
26
27 Victor Parks
28
,JOB #3
Notice#3PAGE 11
Exhibits Volume B
B-124
1 ~ byOc1o'berll. We had. bJte:fu1l week.bef'oxcthe deadline fo~ close of'

2 escrow~ It woUld havOonly~en a few (jays for thefoan.c1ocuments to be prepared.
.
3 Based 011 my ~encelbelieve tbattbc parties couldbaveclosed escrow by November
4 1,2()04.
S
6
Idec1arennder penalty ofperjnry l.ll1der the la.ws ofthe State ofCalifOInijt
7 that tbe 1bregomg is trDemtdoorrect.
8
9 EX:e¢utedonOetober !L.2906 at SHJ 1)1«-,.. , .California.
10
dJ4J
.11
12
13
14
15
16
17
IS
19
20
21
.7.2 ._
23
24
25 .
..it"
, .. \
... \:.'
26
27
28
-7.
JOB #3
'~~.:
Exhibits Volume B
B-125
Case :08-cv-0155 I'AP-CW Document 40 Filed 0 12008 Page 1 uttc~ vt.v1-
1 Joseph Zemik
2 2415 Saint George St.
3 Tel: (310) 4359107
4 Fax: (801) 9980917
jz12345@earthlink.net
5 Plaintiff
6 in pro per
7
8
9 UNITED STATES DISTRICT COURT ,-:; r--:>
CENTRAL DISTRICT OF CALIFORNIA: -< ("1""
r-!"': J.'~
c;:>
c;:, ~.:t
10 :t: ~'.~
__..I •
c;.o
11
JOSEPH ZERNIK No. CV-08-01550-VAP-C
12
Plaintiff BON C. WOEHRLE JUD
13
V. ;·-0
14
JACQUELINE CONNOR ET AL NOTICE OF DOCUMENTSiPREVJ9U~Y
15 Defendants FILED LASCj . :;
16 NOTICE OF SAMAAN'S FRAUDULENT

17 LOAN APPLICATIONS, THE mSTORY
OF THEIR UNDERWRITING BY
18 COUNTRYWIDE, AND FRAUDULENT
19 CLAIMS MADE REGARDING SUCH
UNDERWRITING BY COUNTRYWIDE
20 AND BY SAMAAN.
21
FILED IN U.S. DISTRICT COURT IN
22 SUPPORT OF PLAINTIFF REQUEST TO
CONTINUE, ALTERNATIVELY TO
23 CONSOLIDATE HEARINGS
24
DATE: APRIL 15, 2008
25
26
PLEASE TAKE NOTICE of the following document, previously filed in LASe in
27
28 Samaan v Zernik (SC087400)-
NOTICE OF SAMAAN'S FRAUDULENT LOAN APPLICATIONS & UNDERWRITING BY COUNTRYWIDE.
Notice #3
Exhibits Volume B
B-126
Case :08-cv-0155 AP-CW Document 40 Filed O· 12008 Page 2 of 50
NOTICE OF SAMAAN'S FRAUDULENT LOAN APPLICATIONS, THE

2 HISTORY OF THEIR UNDERWRITING BY COUNTRYWIDE, AND
FRAUDULENT CLAIMS MADE REGARDING SUCH UNDERWRITING BY
3 COUNTRYWIDE AND BY SAMAAN.
This document is filed in United States Court, Los Angeles in support of Plaintiffs ex parte
4
application to continue hearings on Motions to Dismiss, alternatively - to consolidate hearings.
5
Dated: April 14 th , 2008
6
7 Respectfully submitted.
8
9
/.~ r?f1;--
JOSEPH ZERNIK
10 Plaintiff
in proper
11
STATEMENT OF VERIFICATION OF NOTICE OF SAMAAN'S FRAUDULENT
12
LOAN APPLICATIONS, THEIR UNDERWRITING, AND FRUADULENT CLAIMS
13 BY SAMAAN AND COUNTRYWIDE REGARDING SAID UNDERWRITING.
14
(SC087400) matter heard in Los Angeles Superior Court, West District, I am also Appellant
15
in Zernik v Los Angeles Superior Court: (B203063), and also Plaintiff in Zernik v Connor et
16 al (CV 08-01550) matter heard in the United S!<ltes District Court, Los Angeles, California.
17 I have read the foregoing NOTICE OF SAMAAN'S FRAUDULENT LOAN
18 APPLICATIONS, THEIR UNDERWRITING BY COUNTRYWIDE, AND
19 FRAUDULENT CLAIMS RE: SAID UNDERWRITING and I know the content
thereof to be true and correct. It is correct based on my own personal knowledge as
20
Defendant in pro per in said case. I make this declaration that the foregoing is true and
21 correct under penalty of perjury pursuant to the laws of California and the United States.
22 Executed here in Los Angeles, County of Los Angeles, California, on this 14th day in
23 April, 2008.
24 -.:Jo. IJ /
). ~L. r-'~
25
Joseph Zernik' . .. l
26 Plaintiff /
in pro per V·
27
28
-2-
NOTICE OF SAMAAN'S FRAUDULENT LOAN APPLICATIONS & UNDERWRITING BY COUNTRYWIDE.
Notice #3
Exhibits Volume B
B-127
Case :08-cv-0155~P-CW Document 40 Filed 0, 12008 Page 3 of 50
Joseph Zemik
in proper
2 2415 Saint George St
Los Angeles, California 90027
3 Tel: 310-435-9107
Fax: 801-998-0917
4
5
6
7
8 SUPERIOR COURT OF THE STATE OF CALIFORNIA
10
11 NIVIE SAMAAN, an individual, Case No. SC087400

12 No Valid Assignment On File Since Sept 10,
Plaintiff,
20071
13 v.
14 JOSEPH ZERNIK, an individual, and DOES 1 NOTICE OF PLAINTIFF SAMAANtS
15 through 20, inclusive, FRAUDULENT
SEPT 27 t 2004 LOAN APPLICATIONS
16 Defendants. SUBMITTED TO COUNTRYWIDE,
THEIR UNDERWRITING PROCESS,
17 JOSEPH ZERNIK, an individual, THEm SUSPENSION,
18 DENIAL OF THEIR FUNDING.
Cross-Complainant,
19 &
v. FRAUDULENT REPRESENTATIONS
20 COLDWELL BANKER RESIDENTIAL TO THE CONTRARY
MADE IN COURT BY
21 BROKERAGE; MICHAEL LIBOW, an
SAMAAN & COUNTRYWIDE.
individual,
22
23 Cross-Defendants.
24
DATE: Feb 29, 2008
25
26
27
28
Notice ofSamaan's Fraudulent Loan Applications and Fraudulent Representations

Regarding their Underwriting by Samaan & Countrywide
Notice #3
Exhibits Volume B
B-128
Case ~:08-cv -0155 AP-CW Document 40 Filed 0 12008 Page 4 of 50
1 TABLE OF CONTENT
2
3 Cover 1
4 Table of Contents 2
5 I. I NTRODUCTION ••.•.•......... 4
6 II. BRIEF HISTORY OF SAMAAN'S LOAN APPLICATIONS, THEIR
7 UNDERWRITING BY COUNTRYWIDE, AND FALSE CLAIMS MADE
IN THIS REGARD BY SAMAAN & COUNTRYWIDE......... 5
8
Table 1• Chronological table of Samaan/Countrywide's fraudulent claim.......... .•. 11
9
10 III. POINTS AND AUTHORITIES 16

11 Table 2 • Fraudulent Inducement by Samaan & Parks against Zernik ... 16
12 Table 3 · Fraud and Deceit by Samaan against Zernik RE: Underwriting of Loan
Applica tions (1003) . 17
13
Table 4 · Bank Fraud by Samaan against Countrywide and against Zernik . 18
14
TableS. Wire Fraud by Samaan against Zernik and against Countrywide . 19
15
Table 6. Fraudulent Claims by Samaan & Countrywide against Zernik .. 20
16
Table 7. Statute of Frauds Fraud by Samaan & Countrywide against Zernik 21
17
18
IV. DECLARATION OF JOSEPH ZERNIK ........ 23
19
20 V. EXHIBITS .••••..•.................... 37
21 ExhA - Sept 27,2004 _1 st Lien Loan Application ........ 38
22 ExhB - Sept 27, 2004 _Tt Lien Loan Application ........ 42
23 ExhC -San Rafael "Conversation Log" blankform. ........ 46
24 ExhD- Nov 3-6, 2006 Correspondence McLaurin! Lloyd!Keshavarzi ........ 48
25 ExhE - Oct 4, 2004 Broker Certification and Origination Agreement. ... 61
26 ExhF- Oct 6, 2004 -Reverse Yellow Pages Lookup ........ 64
27 ExhG - Phase 1 Quality Assurance Documents: ........ 66
28 1. Oct 13, 2004 Quality Verification and Documentation Questionnaire
-2-
Noti ce of Samaan's Fraudulent Loan Applications and Fraudulent Representations

Notice #3
Exhibits Volume B
B-129
Case :08-cv-015E /\P-CW Document 40 Filed 0 12008 Page 5 of 50
2. Oct 13,2004 Compliance Verification Forms

2 3. Oct 13,2004 Unsigned Countrywide Home Loans Disclosures.
3. Exh H - Oct 14,2004 Clues Report (Computerized Underwriting Expert System) 82

4 Exh I - Oct 14, 2004 rt Lien Underwriting Letter 91
5 Exh J - Oct 25,2004 McLaurin's Exception Request, Branch Input '" 93
6 Exh K - October 25, 2004 Ortin's Email Note RE: Exception Request 97
7 Exh L - October 25, 2004 McLaurin/Ortin 's Appraisal Review Order 99
8 Exh M - Oct 26,2004 Underwriting Letter, unsigned, "not part ofloan file" 101
9 Exh N - October 29,2004 Gadi's Exception Report 104
10 Exh 0 - Oct 29,2004 Underwriting Letter 108
11 Exh P - Nov 3,2004 Appraisal Review Report 111
12 Exh Q - Nov 3,2004 Underwriting Letter 114
Exh R- Jan 27,2005 -Countrywide Bank's Denial Letter 117
13
Exh Q - July 2006, Samaan's Deposition . 119
14
Exh S - Oct 27, 2006, Parks' Court Declaration 149
15
Exh T - Sept 7,2006 Samaan's Prequalification Letter 157
16
17
18
19
20
21
22
23
24
25
26
27
28
-3-
Notice of Samaan's Fraudulent Loan Applications and Fraudulent Representations

Notice #3
Exhibits Volume B
B-130
Case :08-cv-015E. AP-CW Document 40 Filed 0 /2008 Page 6 of 50

2 PLEASE TAKE NOTICE:
3 Enclosed are copies of Samaan's fraudulent loan applications (Exh A - First Lien Loan
4 Application, Exh B- Second Lien Loan Application) dated Sept 27, 2004, which were
5 submitted in 2004 to Countrywide, and other Countrywide underwriting documents
6 substantiating extensive fraud in the litigation of Samaan v Zemik (SC087400) at the Los
7 Angeles Superior Court.
8
9 I. INTRODUCTION
10 Defendant & Cross-Complainant Zemik is filing this notice, and filed previous
11 notices in Samaan v Zernik for ease of reference relative to fraud by Countrywide and others
12 in Samaan v Zernik:
13 a. Feb 27, 2008 Notice ofSamaan-Countrywide fraudulent Loan Applications

14
b. Nov 15,2007 Notice offraudu/ent Real Property Purchase Contract document
15
16 c. Dec 19,2007 Notice ofafraudulent Underwriting Letter.
17 A three additional documents are yet to be completed to allow full review of the
18 extent offraud in litigation of Samaan v Zernik:
19
d. Fraudulent Verified Statements in Samaan v Zernik
20
e. Fraudulent Inducement perpetrated by Samaan & Parks against Zernik in Sept
21
2004
22
23 f. False Claims by Countrywide against the U.S. Government and the California
24 Government.
25
26 The frauds documented in the current filing include, but are not limited to:
27 1. Extensive fraud by Samaan against the U.S. Government in completing such loan
28 applications, where most of the critical infonnation (employment, income, residence,
-4-

Notice #3
Exhibits Volume B
B-131
Case :08-cv-0155 AP-CW Document 40 Filed 0 12008 Page 7 of 50
place of employment) were false and deliberately misleading.
2 2. Extensive fraud by Countrywide Legal Department - Todd Boock & Sanford Shatz,
3 Countrywide Custodian of Re~ords - Mariela Garcia, Countrywide Branch Manager _
4 Maria McLaurin, Countrywide Chief Legal Counsel - Sandor Samuels, Countrywide
5 President and CEO - Angelo Mozilo, Nivie Samaan, Mohammad Keshavarzi
6 (Sheppard Mullin), and others against Zernik, against the Court, and the People of
7 California and the United States in Samaan v Zernik.
8
9 II. BRIEF HISTORY OF SAMAAN'S LOAN APPLICATIONS AND THEIR
10 UNDERWRITING BY COUNTRYWIDE~ AND FALSE CLAIMS MADE IN
THIS REGARD BY SAMAAN & COUNTRYWIDE.
11
12 The main elements of such frauds were as follows:
I. Nivie Samaan, with full support through fraudulent verified statements by Maria
13
McLaurin (Countrywide Wholesale Branch Manager, San Rafael, California), Victor
14
Parks (Loan Broker, PMC), and Art. Mohammad Keshavarzi (Sheppard Mullin et al)
15
made fraudulent claims based on false representation of the underwriting history of
16
such loan applications at Countrywide San Rafael.
17
2. The Legal Department of Countrywide, (Art Sanford Shatz and Att. Todd Boock-
18
who claimed religious observance of the Jewish holiday of Passover to avoid being
19
called for a motion to compel regarding their fraudulent subpoena productions) re-
20
engineered the underwriting history of Samaan's loan applications at Countrywide in
21
their fraudulent subpoena productions from August 2006 through April 2007,
22
included in the subpoena's numerous fraudulent documents, refused to provide email
23
correspondence related to the applications and various reports related to the
24
applications, claiming that such did not exist.
25
3. Two Countrywide top officers were fully aware of the fraud since early 2007:
26
a. Sandor Samuels, Board Chair of "House of Justice" - Bet Tzedek - a prominent
27
Jewish Charity, and member of the board of numerous other Jewish organizations in
28
-5-

Regarding their Undenvritiiig by Samaan & Countrywide
Notice #3
Exhibits Volume B
B-132
Case 08-cv-0155 .A.P-CW Document 40 Filed O· 12008 Page 8 of 50
1 Los Angeles, old friend of Judge Allan Goodman, and old acquaintance of Judge
2 Terry Friedman, and Chief Legal Counsel of Countrywide,
3 and
4 b. Angelo Mozilo, President and CEO of Countrywide
5 Both failed to stop the ongoing fraud in the courtroom, and refused to authenticate or
6 repudiate key fraudulent Countrywide documents in Samaan v Zernik for about a
7 year.
8
9 Fraudulent claims relative to Samaan's loan applications include, but were not limited
10 to the following:
11 1. That the fraudulent Sept 27,2004 Samaan's Uniform Residential Loan Applications
12 (l003) (Exh A, B) were the outcome of a phone interview by licensed loan broker
13 Victor Parks, and Victor Parks signed the statement to that effect on the Uniform
14 Residential Loan Applications (1003) on Sept 27,2004 (both 1st and 2nd Lien Loan
15 Application, Exh A and B, respectively).
16 • In fact, Samaan stated in her deposition in 2006 (Exh L) that Parks had never been
17 involved in the preparation of her loan applications, and that she had never even
18 talked with him about the loan applications at that time, that the loan applications
19 had been prepared by her and her husband, JR Lloyd (Parks first cousin and
20 business associate).
21 • In fact, Parks signature on the loan applications bears no resemblance to Parks
22 signatures in court declarations (Exh R).
23 2. That the fraudulent Sept 27,2004 Samaan's Uniform Residential Loan Applications
24 (1003) (Exb A, B) were valid performance of the contractual duty ofSamaan to "act
25 honestly and diligently to obtain designated loan".
26 • In fact, the loan applications were replete with false and deliberately misleading
27 data regarding Samaan's employment, income, residence, and place of employment.
28 • In fact Samaan refused to list proper loan fees in the 1st lien oan application (0.75%
-6-

Notice #3
Exhibits Volume B
B-133
Case :08-cv-0155 ,A.P-CW Document 40 Filed 0, 12008 Page 9 of 50
1 amounting to more than $10,000), and would therefore never sign loan disclosures
2 either.
3 • In fact, after suspension on October 14, 2007 Samaan failed to notice Zernik of the
4 suspension.
5 • In fact, after the suspension on October 14,2007 Samaan failed to address the
6 conditions listed in the suspension notice in a timely manner.
7 • In fact - throughout the period of Sept- Nov 2004, Samaan never filed valid loan
8 applications with Countrywide, let alone any other lender.
9 3. That Samaan's sole employment in the 4 years preceding the signing of the loan
10 applications was as President and Sole Owner of Spellbound Inc (the Supernatural
11 Superstore - selling Tarot cards, crystal balls, anointment oils, divining objects and
12 other retail goods for followers of the psychic and the occult). That Samaan's income
13 from such was $400,000 per year.
14 • In fact, in deposition in 2006 (Exh 0), Samaan stated that she was employed during
15 that period as a cosmetics saleswoman in a department store.
16 4. That Samaan was a single woman at the time she signed the applications (Sep 27,
17 2004).
18 • In fact, in deposition in 2006 (Exh 0) Samaan stated that she was married to JR
19 Lloyd at that time, and the Lloyd, unlicensed, and a spouse, was the one who
20 prepared the fraudulent loan applications.
21 5. That Samaan's loan applications conformed with the loans designated in the Purchase
22 Agreement
23 • In fact, the loan applications violated the terms of the designated loans, seeking to
24 minimize Samaan's down payment beyond that which was allowed in the Purchase
25 Contract
26 6. That Samaan's Loan Applications (1003) demonstrated that she was indeed qualified
27 in 2004 to purchase the Zernik property
28 • In fact, Samaan's loan applications demonstrate that she was not qualified at all to
-7-

Notice #3
Exhibits Volume B
B-134
Case :08-cv-0155l iP-CW Document 40 Filed Ot., 2008 Page 10 of 50
1 purchase the property.

2 7. Samaan's Loan applications (1003) demonstrate that she had sufficient funds to close
3 the escrow on the designated loans.
4 • In fact, Samaan's loan applications demonstrate that she did!!!!! have sufficient
5 funds owned by her, and by her alone, as required by lenders, to close the escrow.
6 8. Samaan's Loan Applications were first submitted to Countrywide on October 12,
7 2004: In fact, the loan applications were fIrst submitted in the first week of October
8 2004.
9 • In fact, the loan applications bear two "Date Received" stamps from San Rafael
10 Countrywide's Home Loans Branch. The earlier one, from October as well, is
11 defaced. The later is dated. October 12, 2004 (Exh A, Exh B).
12 • In fact, loan documents produced by Countrywide show that fraudulent
13 employment data in Samaan's loan applications was uncovered by the duly assigned
14 underwriter - Diane Frazier - already on October 6, 2004 (that is prior to the
15 purported date of receipt per Countrywide and Samaan), based on reverse lookup
16 of Samaan's fraudulent work phone number (Exh C).
17 9. Samaan's loan applications were suspended on October 14, 2004, only at Zernik's
18 fault.
19 • In fact, suspension notice was issued primarily for the following reasons:
20 a. False work phone - traced back to Samaan's residence (Condition #1, Exh
21 D- Oct 14,2004 Underwriting Letter)
22 b. Failure to include any fees to Countrywide in the stated closing costs
23 (Condition #2, Exh D - Oct 14,2004 Underwriting Letter) amounting to
24 violation of Countrywide's program rules (Exh E - Oct 14, 2004 Clues
25 Report).
26 c. Failure to sign Loan Disclosures within 3 days, as mandated by California
27 law (Exh F - Oct 14,2004 Hand written underwriting forms)
28 10. That SamaanlParks were notifIed that the loan applications were approved on October
-8-

Notice #3
Exhibits Volume B
B-135
Case :08-cv-0155l ,p-cw Document 40 Filed Ot., :2008 Page 11 of 50
18,2004.
2 • In fact, Samaan entered as evidence the Oct 14,2004 Underwriting Letter showing
3 the suspension of her loans on that date (Exh D).
4 • In fact, Samaan also claimed in a contradictory statement that the loan applications
5 were approved only late in the day on October 25, 2004.
6 • In fact, Samaan entered as evidence yet another contradictory document - a
7 purported Oct 26, 2004 Underwriting Letter showing the loans as still suspended on
8 October 26, 2004 (Exh J).
9 • In fact, Samaan never produced any document to substantiate the false statement
10 that her loan applications were approved on October 18,2004.
11 • In fact, this statement is contradicted by the preponderance of statements and
12 documentary evidence entered by Samaan.
13 11. That Samaan's loan applications were approved by Countrywide on October 25,2004
14 following the facsimile transmission on October 25, 2004, at 5:03pm of a Real
15 Property Purchase Contract by ViCtor Parks from the State of Washington to
16 Countrywide San Rafael in the State of California (to a financial institution, and
17 across state lines).
18 • In fact, the October 25, 2004 facsimile transmission was part of an elaborate
19 wire/fax fraud by Samaan, Lloyd, Parks, and a Countrywide insider (McLaurin?).
20 The facsimile transmission of the purchase contract document on October 25, 2004,
21 at 5:03pm was in fact from Samaan in Los Angeles, to her husband, Lloyd, also in
22 Los Angeles, and there is no way to know when it arrived in Countrywide, San
23 Rafael (see under separate cover - Notice of a fraudulent Countrywide document -
24 Purchase Contract).
25 • In fact, on October 25, 2004,Maria McLaurin filed a fraudulent request for
26 approval exception for Samaan's loans with Demetrio Gadi (Division Underwriting
27 Support) (Exh 11), and Gadi responded with a conditional approval only on October
28 29, 2004 (Exh K - Gadi's to Exception Request).
-9-

Regarding their Underwrifmg by Samaan & Countrywide
Notice #3
Exhibits Volume B
B-136
Case 08-cv-0155t \p-cw Document 40 Filed OL. /2008 Page 12 of 50
1 • In fact, on October 25, 2004, Maria McLaurin filed a request for appraisal review,
2 and results of such arrived only on Nov 2,2004 (Exh M - Nov 2, 2004 Appraisal
3 Report).
4 • In fact, Samaan never entered any documentary evidence from the underwriting
5 period in 2004 to support this fraudulent claim.
6 12. That Samaan's Loan Applications (1003) were ready to be funded by November 1,
7 2004, closing date.
8 • In fact, the Nov 3, 2004 Underwriting Letter (Exh M) still lists 'unmet conditions-
9 including but not limited to
10 a. Parks' Broker's Certification of Document, which in fact was never supplied
11 even later (Exh M - Nov 3, 2004 Underwriting Letter).
12 b. Samaan's mother certification of ownership of funds in the join account,
13 which in fact was never supplied at all.
14 • In fact, Samaan never entered any documentary evidence from underwriting in
15 2004 to support this fraudulent claim.
16 • In fact, Samaan's loan application (2Dd Lien) was presented for funding by
17 Countrywide Bank on Jan 27, 2005, and was summarily denied! (Exh N)
18 13. That Samaan was ready, willing, and able to close escrow in compliance with the Real
19 Property Purchase Agreement on Nov 1, 2008.
20 • In fact, the loan applications (1003) and Countrywide's Underwriting documents
21 demonstrate that Samaan was never ready, never willing, never able to close escrow,
22 neither by Nov 1, 2004, nor by Nov 3, 2004, or for that matter - not even by Jan 27, 2005.
23 /1/
24 III
25 III
26
III
27
III
28
-10-

Notice #3
Exhibits Volume B
B-137
Case 08-cv-0155l . P-cw Document 40 Filed OL. '2008 Page 13 of 50
1
TABLE ##1 CHRONOLOGICAL TABLE OF SAMAAN/COUNTRYWIDE'S
2 FRAUDULENT CLAIMS VS THE TRUE FACTS REGARDING UNDERWRITING OF
3 SAMAAN'S FRAUDULENT LOAN APPLICAnONS (1003)
4 SAMAAN/COUNTRYWIDE'S TRUE FACTS IN TIllS MATTER

FRAUDULENT CLAIMS
5 Sept 27, 2004 Sept 27, 2004
6 • Parks never participated in the applications
• Loan Applications (l003): prepared by preparation (Samaan Deposition, 2006)
7 Parks, signed by Samaan & Parks
• Parks never signed the applications, the
signature is not his
8
• Samaan and her husband, Lloyd, unlicensed
9 and a spouse prepared the applications
(Samaan Deposition, 2006)
10 October 1-6, 2004 Oct 1-6, 2004
11
• The applications never arrived yet at • The applications arrived at Countrywide first
Countrywide. time in the first week of October, and "Date
12 • No explanation whatsoever for the Receivetf' stamp placed on them, later - this
defaced "Date Receivetf' stamps. stamp was defaced with black ink.
13 • No explanation whatsoever for the Oct 6, • By October 6, 2004, Senior Underwriter
2004 reverse yellow pages lookup Frazier discovered the fraudulent
14 employment data based on reverse yellow
pages look up of the work phone #.
15
Oct 1-12, 2004 Oct 1-12,2004 :
16 0 N 0 underwriting documents were ever There must have a series of standard
produced by Countrywide, since the loan underwriting documents of phase I and
17 applications never arrived yet. receipt and data entry at San Rafael, and at
least one Underwriting Letter issued by
18
Countrywide San Rafael.
19 • All evidence of underwriting prior to Oct 14,
2004 was systematically destroyed, the only
20 remaining evidence is:
0 The inexplicable double "Date
21 Received" Stamps
22 0 The Oct 6, 2004 yellow pages reverse
look up.
23 October 12, 2004 October 12, 2004
24 • Samaan's loan applications arrived at • Samaan's loan applications were stamped
Countrywide San Rafael for the first time. "Date Received" and scanned.at San Rafael
for the second time. -
25
October 14,2004 October 14,2004
26 0 Samaan's applications were suspended • Samaan's applications were suspended
primarily because of missing primarily because of:
27 initials/signature of Zemik's on the Sept 0 False employment data
28 15, 2004 Purchase Contract 0 Failure to state loan fees >$10,000
-11-

Notice #3
Exhibits Volume B
B-138
.......,.,. 260-3 Filed in TXSB on 05/08/09 Page 35 of 35
, ..
Case 08-cv-0155l ,p-cw Document 40 Filed O~ ,2008 Page 14 of 50
1 • Such suspension was noticed on October 0 Refusal to provide new, valid loan
14,2004, or in mid-October, 2004, by an applications, and re-submitting the
2 Underwriting Letter, unsigned, and time same false applications a second time
3 stamped twice Oct 26,2004. on Oct 12,2004.
• Sarnaan loan applications could not possibly
4 be suspended because of missing Zemik's
initials on the Sept 15, 2004 Purchase
5 Contract, since Samaan never submitted any
6 copy of that Sept 15, 2004 Purchase Contract
to Countrywide until Oct 22, 2004!
7 • The unsigned and time stamped Oct 26, 2004
Underwriting Letter could never be received
8 by SamaanJParks on October 14,2004 or
9
mid-October 2004, it was not generated yet
• The suspension was notice by a genuine Oct
10 14,2004 Underwriting Letter, hand-signed
by Senior Underwriter Frazier, and allowing
11 Sarnaan 10 days to correct the deficiencies in
her applications.
12
October 14-18.2004 October 14-18. 2004
13
• SamaanlParks repeatedly inform • Samaan's loan applications were suspended,
14 Libow/Zemik that the applications are on but she never disclosed that fact to Zemik,
the verge of being approved, and provide neither did she try to address the deficiencies
15 no explanation for the delay. that led to the suspension in the first place.
October 18, 2004 NOTICE TO BUYER October 18, 2004 NOTICE TO BUYER
16
17 • Samaan informs Zemik that the she was • There is no documentary or other evidence
re-assured verbally by Countrywide that from Countrywide that Samaan'sloan
18 loan applications were approved, therefore applications were approved on Oct 18,2004.
she removes the loan contingency, but • Samaan had done nothing to address the
19 refuses to remove the appraisal deficiencies, and the loans were still
contingency regardless of the fact that she suspended.
20 already had an appraisal at sales price.
21
22 October 18, 2004 October 18, 2004
23 • NO COMMENT AT ALL • LmOW AND ZERNIK DISCOVER THE

WIRE SCHEME, WHEREBY SAMAAN
24 WAS COMMUNICATING WITH
LmOWIZERNIK AND COUNTRYWIDE
25 AS IF SHE WERE PARKS. LIBOW
26 ASKS PARKS BY EMAa 3 DAYS IN A
ROW TO PROVIDE EXPLANATION.
27 October 22, 2004 October 22, 2004
28 • Parks received AM bv fax from Mara • SamaanlParks/Llovd/Countrvwide were
-12-

Notice #3
Exhibits Volume B
8-139
Case 08-cv-0155~ \p-cw Document 40 Filed 04 2008 Page 15 of 50
Escrow a copy of the Sept 15,2004 engaged in wire/fax scheme.

Purchase Contract, and immediately faxed • Parks never received and never sent any of
2 it to Countrywide. Albeit, this copy was the faxes he falsely claims to have received
3 missing Zernik's initials on the original or faxed. None of these fax transmissions
offer and was unacceptable to was ever authenticated.
4 COlmtrywide.
• Samaan AM faxed to CountJYWide for the
5
• Parks received a second copy ofthe first time ever a copy of the Sept 15,2004
Purchase Contract by fax from Mara Purchase Contract, but it was a copy missing
6 Escrow, sometime in the afternoon. And a critical authentication: Samaan's initials on
immediately faxed it to CountJYWide. the 2nd Counter Offer, for Acknowledgment
7 ofAcceptance.
8
• Samaan never mentions this deficient copy
transmission, ignores its existence altogether.
9 • Samaan received AM from Mara Escrow
another copy ofthe Sept 15,2004 Purchase
10 Contract.
11
• For some inexplicable reason, she never
faxed it to Countrywide.
12 October 25, 2004 October 25, 2004
• Samaan never produced any evidence that
13 • Monday morning Samaan's appraisal either she or Parks ever faxed the Purchase
review was immediately obtained, and her Contract she received from Mara Escrow to
14 loan applications were immediately Countrywide.
approved.
15 • On Monday, at 5:03pm, Samaan faxed the
• Monday morning, alternatively afternoon, Purchase Contract to her husband Lloyd, and
16 Samaan removed the appraisal that transmission was misrepresented as a fax
contingency. transmission from Parks to Countrywide.
17 • Monday afternoon, at 5:03 pm, Parks • fact, no evidence was ever provided when,
In
faxed the new copy ofthe Purchase if ever Samaan faxed the Purchase Contract
18 Contract he received from Mara Escrow, to Countrywide.
and that somehow led to the appraisal
19
review and loan approval earlier that day.
• No documentary evidence or any other
evidence from 2004 was ever produced to
20 demonstrate that the loan applications were
approved on Oct 25,2004.
21
• Appraisal Review Order was issued by
22 Mclaurin on Oct 25, 2004, review never yet.
23
• Also on Monday, Oct 25, 2004, Mclaurin
filed false Exception Request with Mr Gadi,
listing Samaan's annual income at $4m per
24
year, but no approval from Mr Gadi was
25 obtained yet.
October 26. 2004 October 26, 2004
26
27
• Samaan's loan applications were • The unsigned, Oct 26, 2004 Underwriting
approved since the previous day. Letter, which Samaan misrepresented in
Court as being of Oct 14,2004, in fact shows
28
-13-
Notice ofSamaan's Fraudulent Loan Applications and Fraudulent ~epresentations

Regarding their Underwriting by Samaan & CountrywIde
Notice #3
Exhibits Volume 8
8-140
Case :08-cv-0155\ ~P-CW Document 40 Filed Oi., 12008 Page 16 of 50
-
1 that on Edge, the underwriting monitoring

2 system, Samaan's loan applications were far
from approval on Oct 26, 2004 - they were
3 still suspended.
October 29, 2004 October 29, 2004
4
• Samaan's loans were purportedly • Samaan's loans were far from approval, as
5 approved and ready to be funded since shown by the conditional Exception
Oct 25, 2004. Approval by Mr Gadi, which arrived on Oct
6
29,2004, and explicitly stated it. is not an
7 approval,
• Also the Oct 29,2004 Underwriting Letter
8 shows that Samaan was still far from
Approval.
9
• Gadi explicitly stated that:
10 0 Samaan had to produce new loan
applications listing the 0.75% loan
11 fee
0 A correct Clues Report had to be
12 produced.
0 Samaan's loan applications had to be
13 reviewed and approved by an
14 Underwriter (vs McLaurin- a Branch
Manager)
15 Nov 1,2004 Nov 1,2004
16 • Samaan's loans were purportedly • Samaan's loan applications were far from
approved and ready to be funded since approval:
17 Oct 25, 2004. • The appraisal review never arrived yet.
18 • The date stipulated in the Sept IS, 2004 • Other critical documents were never received
Purchase Contract as Closing ofEscrow. yet.
19 • According to Samaan, Parks, Mclaurin, • Inexplicably - Samaan never filed valid loan
Samaan declarations in 2007, Samaan was applications listing the loan fees yet.
20 ready, willing, able to close escrow on • No Clues Report was produced yet.
21 that date. • No underwriter had reviewed her loan
• According to Samaan, Parks, McLaurin applications yet, both the Oct 29,2004 and
22 declarations in 2007, Samaan's loan the Nov 3, 2004 Underwriting Letter were
applications were approved and ready for signed by Mclaurin and not by an
23 funding on that date. Underwriter, as instructed by Mr Gadi.
24 Nov 3,2004 Nov 3, 2004
25 • Samaan's loans were purportedly • Samaan's loan applications were far from
approved and ready to be funded since approval.
26 Oct 25,2004. • The appraisal review finally arrived on this
27 date.
• The Nov 3, 2004 Underwriting Letter shows
28 that critical documents were still missin$t:
-14-

Regarding their Undenvrit'mg by Samaan & Countrywide
Notice #3
Exhibits Volume 8
8-141
Case 08-cv-0155\
-
\p-cw Document 40 Filed OL /2008 Page 17 of 50
1 • Certification of documents from Parks was

2 never received, with no explanation at all
• Certification from Samaan's mother that
3 Samaan was allowed to use the funds in their
joint ownership account never arrived, with
4 no explanation at all.
Jan 27,2005 Jan 27.2005
5
6
• Samaan's loan applications were • Samaan's 2nd lien loan application, the one
purportedly ready for funding since Oct more likely to be approved and funded, was
7 25.2004 presented to Countrywide Bank for funding
• Countrywide bank immediately issued a Jan
8 27,2004 Denial Letter.
9
• Tn March 2007 investigation by the Office of
Thrift Supervision Countrywide Bank states
10 that it would never have funded Samaan's
loans.
11
12 11/
13 11/
14 /1/
15 //I
16 /1/
17 /1/
18 //I
19 //I
20 /1/
21 /1/
22 /1/
23 //I
24 /1/
25 //I
26 1/1
27 //I
28
-15-
Notice of Samaan's Fraudulent Loan AJ?plications and Fraudulent Representations

Regarding their Underwritmg by Samaan & Countrywide
Notice #3
Exhibits Volume B
B-142
Case ~ 08-cv-0155, ,p-cw Document 40 Filed OL" /2008 Page 18 of 50
III. POINTS AND AUTHORITIES

2
TABLE #2 FRAUDULENT INDUCEMENT BY SAMAAN & PARKS
3 AGAINST ZERNIK
4
5
CODE SECTIONI ELEMENTS: REFERENCES:
6
DEFINITION
7 FRAUDULENT (1) Mis- (1) Samaan misrepresented the per-
INDUCEMENT representation qualification letter and numerous
8
Deceit, Civil Code § 1709, other facts from September 4 to
9 1710 Zemik's Acceptance on September
1709: FRAUDULENT 15,2004.
10 DECEIT.
11 One who willfully deceives (2) knowledge (2) Samaan knew the pre-qualification
another with intent to induce of the falsity letter was false given the fact that she
12 him to alter his position to his had never spoken with Victor Parks
injury or risk is liable for any and she had not submitted documents
13
damage which he thereby to substantiate the pre-qualification.
14 suffers. (3) intent to (3) Samaan knew, through the course
1710. Deceit Dermed. defraud, Le. to of dealings with Libow, that Zernik
15 DECEIT WHAT. A deceit, induce reliance required a pre-qualification letter from
16 within the meaning of the last her before he would consider her
section is either: offer. She, therefore, intended that
17 1. The suggestion, as a fact, Zemik rely on that pre-qualification
18 of that which is not true, by letter to accept her offer.
one who does not believe it to
19 be true;
2. The assertion, as a fact, of (4) Justifiable (4) Zernik did not have the 0.Pf0rtunity
20
that which is not true, by one Reliance to examine Samaan's financla
21 who has no reasonable condition or her subsequent loan
aptication therefore he was justified in
ground for believing it to be re yin~ on what he, at that time,
22
true; thoug t was an impendent pre-
23 3. The suppression of a fact, qualification.
by one who is bound to
24 disclose it, or who gives (5) Resulting (5) Zernik has been tied up in
25 information of other facts Damages litigation for the past threet6:ears. He
which are likely to mislead has been unable to access e equi% in
26 his property or to otherwise encum er
for want of communication of his property.
that fact; or
27
4. A promise, made without
28 any intention of performing
it. 'Or
-.l.U-

Notice #3
Exhibits Volume B
B-143
Case :08-cv-0155( . . P-cw Document 40 Filed 0, ,'2008 Page 19 of 50
1 TABLE #3 FRAUD & DECEIT BY SAMAAN AGAINST ZERNIK RE:

2 UNDERWRITING OF LOAN APPLICATIONS (1003) BY COUNTRYWIDE
3
4
5
6
7
8
CODE SECTION! ELEMEN REFERENCES:
9 ~fflNf"''''N' TS
DECEIT, CIVIL CODE § 1709, 1.Misrepresen1. Samaan never revealed to
10 1710 tation, Zernik the problems she was
- of failure to properly file for concealment having with her loan application
11 designated loans, or non- while she continued to
- of failure to obtain designated disclosure misrepresent to Zemik that his
12 loans as a result of the above. loan would be aooroved
1709: FRAUDULENT 2. knowledge 2. Samaan knew her loan was not
13 DECEIT. of falsity being approved yet she continued
14 One who willfully deceives to allow Parks to represent that it
another with intent to induce him wa.~ near aooroval.
15 to alter his position to his injury 3. intent to 3. Because Samaan knew that
or risk is liable for any damage defraud or to Zernik had the right to cancel
16 which he thereby suffers. induce escrow when she did not remove
reliance her loan and appraisal
17 1710. Deceit Defined. contingencies, she misrepresented
DECEIT WHAT. A deceit, the status of her loan and her
18 within the meaning of the last financial condition so as to induce
19 section is either: Zernik not to cancel at an earlier
1. The suggestion, as a fact, of date.
20 that which is not true, by one who 4. justifiable Zernik was not privy to Samaan's
does not believe it to be true; reliance application to get a loan from
21 2. The assertion, as a fact, of that Countrywide or her discussion or
which is not true, by one who has lack thereof with her loan broker,
22 no reasonable ground for therefore Zernik had no reason or
believing it to be true; why to question the truth behind
23 3. The suppression of a fact, by her representations regarding her
one who is bound to disclose it, loan status.
24 or who gives information of other 5. resulting As a result, Zemik did not cancel
25 facts which are likely to mislead - damage at an earlier date. Sine then,
for want of communication of Samaan has concocted a new story
26 that fact; or
wherein she now claims that
4. A promise, made without any
27 intention of performing Zernik did not cancel before she
removed her contingencies, which
28 is also false.
-17-

Notice #3
Exhibits Volume B
B-144
Case 2 8-cv-0155l \p-cw Document 40 Filed 0.; ,2008 Page 20 of 50
1 TABLE #4 BANK FRAUD BY SAMAAN AGAINST COUNTRYWIDE AND

2 AGAINST ZERNIK
3 BANK FRAUD: (1) Whoever (1) Samaan devised a scheme under

4 (18 uses § 1344). knowingly executes, which she would obtain a loan from
- Against Countrywide, or attempts to Countrywide, which she was not truly
5 a government-backed execute, a scheme or qualified to obtain, which was
lender. artifice- (1) to reasonably calculated to deceive
6 - also secondarily defraud a financial Countrywide and Zernik.
7 counted as FRAUD institution
against seller - since
8 the contract stipulated or (2) to obtain a11)l (2) Samaan attempted to obtain a
that "buyer shall act ofthe moneys,funds, Government-Backed Residential Loan,
9
diligently and in good credils, assets, Le., a credit, for First Lien in the
10 faith to obtain securities, or other amount of$I,343,181 and for Second
designated loans". property owned by, Lien in the amount of $174,000.
11 or under the custody
12 or control oj a
financial institution.
13
(3) by means offalse The Uniform Residential Loan
14 or fraudulent Application was replete with false and
pretenses, fraudulent pretenses and
15
representations, or representations.
16 promises;
17
18 III
19
20 III
21
22 11/
23
24 11/
25
26 11/
27
28
-18-

Regarding their Undenvrifulg by Samaan & Countrywide
Notice #3
Exhibits Volume B
B-145
Case 8-cv-0155t ..P-CW Document 40 Filed 04 2008 Page 21 of 50
1 TABLE #5 WIRE FRAUD ACROSS STATE LINES, AGAINST AN

2 INDIVIDUAL (ZERNIK) AND AGAINST A FINANCIAL INSTITUTION
(COUNTRYWIDE) .
3
4 WIRE FRAUD (I) Devise or (1) Libow's emails of October 18,19,20,
.(18 U.S.C. § 1343) intend to 2004. Machines such as the HP Laserjet
5
which provides for devise a scheme Printer/Scanner/Copier lend themselves
6 enhanced or artifice to easily to such manipulations, with forward
penalty of any defraud another and header 10 easily programmable.
7 criminally person based on a
8 fraudulent activity if material
it is detennined that representation~
9 the activity involved
10 electronic
communications of (2) With the intent (2) Samaan switched back and forth
11 any sort, at any to defraud~ between two identities in a deliberate
phase of the event. 1 manner.
12
13 (3) through the use 3) Samaan used the phone network,
of interstate wire . connected to Parks in the State of
14 facilities Washington, and other parties in
15 California
16 (4) where the (4) Countrywide one of the victims, was

17 alleged victim is a an is a financial institution.
financial
18 institution, to
19 enhance
sentencing
20
21 1/1
22 1/1
23 1/1
24 1/1
25 1/1
26 1/1
27 /11
28
-19-

Notice #3
Exhibits Volume B
B-146
Case ~ 08-cv-0155t ,P-CW Document 40 Filed Ot, 2008 Page 22 of 50
Notice of Samaan's Fraudulent Loan AJ?plications and Fraudulent ~epresentations

Notice #3
Exhibits Volume B
B-147
.- 260-4 Filed in TXSB on 05/08/09 Page 9 of 35
Case 2 08-cv-0155t IP-CW Document 40 Filed OL, '2008 Page 23 of 50
1 TABLE #7 STATUTE OF FRAUDS

2
3
STATUTE OF (1) Contract must be in (1) Samaan has consistently
4 FRAUDS. writing and signed by party argued that Zemik failed to initial
5
(Civil Code § against whom enforcement is and sign the "Purchase
1624) (a) "the sought - for the sale of land. Agreement". Further, Samaan
6 following argues that Zemik's failure to
contracts are "fully execute" the "Purchase
7 invalid unless Agreement" prevented her from
they, or some note being able to obtain a loan.
8 or memorandum
thereof, are in (2) Defense by way of Statute (2) Defendant has timely raised
9
writing and of Frauds was raised in a such defense.
10 subscribed by any timely manner by Defendant
party to be charged in Demurrer.
11 or by the party's
agent: (3) an (3) Close to 2 years later, (3) But Samaan has never
12 agreement for the Plaintiff still has not presented provided to the court any fully
13 sale of real the court with the relevant signed writing purported to
property. writing. document the sale of the property
14 in writing. .
Neither has she indicated that such
15 document is available, nor has she
produced such document in
16 response to.subpoena, nor
17 acknowledged its existence in
subpoena production of
18 Countrywide. Therefore, Samaan
cannot satisfy the Statute of
19 Frauds.
(4) In fact, in view of
20
Plaintiff's claims that the
21 contract was not "fully
executed", and as in the case
22 of Riley v. Capital Airlines,
Inc., the court mayfind this a
23 case ofpart performance
24
25
26
//I
//I
27
28
-21-

Notice #3
Exhibits Volume B
B-148
Case :08-cv-0155t IP-CW Document 40 Filed OL. 2008 Page 24 of 50
1 Dated: Feb 29, 2008 Submitted by:

2
3 JOSEPH ZERNIK
4
5
6
JOSEPH ZERNIK
7 Defendant and Cross Complainant
in pro per
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
-22-

Notice #3
Exhibits Volume B
B-149
Case 08-cv-0155l \p-cw Document 40 Filed OL, 2008 Page 25 of 50
1 IV. DECLARATION OF JOSEPH ZERNIK

2
I, JOSEPH ZERNlK, hereby declare as follows.
3
1. I am Defendant & Cross-Complainant in Samaan v. Zernik, Los Angeles County
4
Superior Court Case No. SC087400. As such, I have personal knowledge of the facts set
5
forth herein, which I know to be true and correct and, if called as a witness, I could and
6
would competently testify with respect thereto. This declaration is submitted in
7
connection with Notice of Sarnaan's Fraudulent Loan Applications and Fraudulent
8
Representations Regarding their Underwriting by Sarnaan & Countrywide.
9
2. I first saw any of the discovery materials in Samaan v Zernik in mid December 2006
10
at the office of then my Counsel- Charles Cummings. I became suspicious in early
11
November that something is awkward or worse about the litigation of Samaan v Zernik.
12
Mr Cummings, then the Managing Partner of Sullivan Workman and Dee, a law firm
13
dealing exclusively with Real Estate Law, had represented me for almost a year and a
14
half at that time. Upon my first visit to Mr Cummings office, I did not even recognize the
15
name Countrywide. But within less than half an hour, it was obvious to me that
16
underlying the case was substantial fraud activity and white collar crime.
17
3. Mr Cummings was trying to convince me that I simply had no clue how to read the
18
documents, and that there was no fraud involved. Indeed, I had no confidence that my
19
reading of the documents was correct.
20
4. I therefore approached the California Department of Real Estate, and a Depute
21
Commissioner there spent substantial time explaining to me some of the basics in Real
22
Estate Code of California. He also took copies of some of my key docwnents for review
23
bithe Legal Department of that that agency. They responded that the most significant
24
finding regarding my position in Samaan v Zernik was Fraudulent Inducement by
25
Samaan in September 2004. They expressed surprise that Mr Cummings never made
26
any defense or dispositive claims to that effect.
27
28
-23-
Notice of Samaan 's Fraudulent Loan Applications and Fraudulent Representations

Notice #3
Exhibits Volume B
B-150
Case 08-cv-0155l ,p-cw Document 40 Filed O~ 2008 Page 26 of 50
5. I also approached the FBI in Los Angeles, and again, an agent there spent some time
2 with me going over the materials, and again, confirmed my suspicions that underlying the
3 case was substantial fraud and white collar crime activity. Here I learned for the first time
4 about an "epidemic ofreal estate and mortgage fraud" with an "epicenter in Los
5 Angeles". But most important was the realization from the FBI literature that the in the
6 vast majority of these cases, the fraud is perpetrated by realtors or loan brokers. The FBI
7 agent also expressed his surprise that my attorney had never filed cross complaint against
8 Samaan for Fraud and Deceit.
9 6. By late December 2006 I sent an email to Mr Cummings, with series of questions
10 regarding his conduct in representing me in Samoan v Zernik. He refused to respond.
11 7. I then met with one of the surviving marquee partners of the law firm, an elderly
12 attorney, retired Mr Workman. I asked for his help in resolving the situation without
13 getting into a dispute with the law firm. We spent about an hour in a deli shop in West
14 LA. He quizzed me regarding Eminent Domain, the New London Supreme Court case,
15 the shifting compositions of the U.S. Supreme Court, but never touched the subject of
16 our meeting. When he was ready to leave, he got up and stated that he supported my
17 position, that an attorney owed his client an explanation in plain English for his conduct
18 in the case. But he also stated his full confidence in Mr Cummings integrity. Mr
19 Cummings next offered me a $25,000 waiver of fees ifI agreed to leave the office, and I
20 did.
21 8. What struck my attention first in the discovery materials was:
22 a. The double "Date Received" stamps on Samaan's loan applications (Exh A,.
23 p38. and Exh B, p42).
24 b. The fraudulent employment and income information in the same loan
25 applications. She represented herself to me as a realtor closing a few deals a
26 year. Later it turned out that she was a cosmetician. In the Loan Applications
27 she was stating that the only employment she had for the previous 4 years was
28
-24-
Notice of Samaan's Fraudulent Loan Allplications and Fraudulent Representations

Notice #3
Exhibits Volume B
B-151
Case :08-cv-0155l IP-CW Document 40 Filed 04 2008 Page 27 of 50
1 as President and sole owner of a retail company, but her bank statement
2 showed biweekly payroll deposit from the dept store.
3 c. Countrywide's subpoena production included blank forms for "Conversation
4 Log" from San Rafael. (Exh C, p46) is a true and correct copy of a " San
5 Rafael Conversation Log" blank form as received in Countrywide's
6 subpoenas in Aug 2006 and Jan-April 2007. It appeared completely
7 inconsistent with the totally computerized body of the records, that they would
8 use such ancient paper forms. Indeed, later, I managed to track down and
9 discuss the matter by phone with Diane Frazier, the former Senior Underwriter
10 at San Rafael, who was duly assigned to the underwriting of Samaan'sloan
11 applications. She told me that to her knowledge, these paper forms had not
12 been used in San Rafael at least since 1989, which was the first year that she
13 was employed there.
14 9. In late December 2006 I also called Maria McLaurin, the Branch Manager at San
15 Rafael. I was surprised that she agreed to talk with me. She stated that she prepared the
16 subpoena production in close collaboration with the Legal Department of Countrywide.
17 Regarding the paper forms "Conversation Logs" she explained to me that the Legal
18 Department determined that email correspondence is not subject to the subpoena I had
19 served them.
20 10. In late December 2006 I also called the Legal Department of Countrywide to discuss
21 the deficiencies in their subpoena production. 1also told them that I plan on submitting a
22 repeat subpoena, in hope that they respond more truthfully. In the repeat subpoena,
23 served in January 2007, I also entered an unusual introductory paragraph to that effect..
24 But the resulting subpoenas were identical to that obtained by Mr Cummings in Aug
25 2006, except that I insisted on a Custodian of Records declaration, which was strangely
26 missing from Cummings subpoena production. I also established a protocol, whereby my
27 subpoena productions were received by a Legal Services company, where the documents
28
-25-

Notice #3
Exhibits Volume B
B-152
Case '08-cv-0155\ ,p-cw Document 40 '2008 Page 28 of 50
were immediately scanned and saved on CD's before they even got to me, to establish
2 exactly what documents were received and in which order.
3 11. In Meet and Confer telephone conference in early 2007 with Att Shatz and Att Boock
4 of the Legal Department of Countrywide, they claimed that there simply was no
5 explanation for the double "Date Received" stamps on Samaan's loan applications. They
6 also denied that there was any report in Countrywide that could shed light on this
7 mystery. For example, I asked for any Internal Audit report on these documents,
8 establishing the identity of the person who created these stamps, the time it was done, the
9 authority by which it was done, and the reason for it. I also asked for any Imaging Report
10 that would show if these loan applications were scanned twice, once in early October and
11 once on Oct 12, 2004. I also asked if there was any evidence in Edge, the underwriting
12 monitoring system, for another receipt and underwriting prior to Oct 12, 2004. I also
13 asked for a Pipeline Report - to see if any applications by Samaan were noted prior to
14 Oct 12, 2004. On all of these questions Att Shatz and Boock answered that I am asking
15 for non-existent reports.
16 12. Prior to the Meet and Confer phone call, I wrote a detailed letter, signed and sent
17 under the name of my then Counsel Zachary Schorr. In it, I specifically again asked for
18 the various types of reports that Countrywide surely had to have regarding Smaan' sloan
19 applications, especially that the Legal Department had now twice reviewed in detail the
20 documents. They denied any existed. In the Meet and Confer Letter I also listed one by
21 one all the Underwriting Letters provided in the Subpoena production. It was clear to
22 me:
23 a. That they omitted at least one Underwriting Letter from the period prior to Oct
24 12, 2004, and
25 b. That the unsigned, invalid Oct 26, 2004 Underwriting Letter, which was
26 entered by Att Keshavarzi in Sur Reply to Defendant's Motion to Expunge Lis
27 Pendens in Nov 2006, was never present in any of Countrywide'S 4 (four)
28 subpoena productions received by that time. That unsigned, invalid
-26-
Notice of Samaan's Fraudulent Loan A{)plications and Fraudulent Representations

Notice #3
Exhibits Volume B
B-153
Case :08-cv-0155\. ,p-cw Document 40 Filed OL. :2008 Page 29 of 50
1 Underwriting Letter was supposed to be the only connection between the made
2 up claims from 2007 and the true facts in this matter as documented in the loan
3 file. But that Underwriting Letter was from Oct 26,2004, a date that was
4 useless for Samaan, since by then the escrow was surely canceled. Therefore,
5 they fraudulently misrepresented that letter as being dated Oct 14, 2004, and
6 having been received by Oct 15, 2004, or mid-October 2004 by Mr Parks.
7 Such was obviously false, since the fax header imprint stated it was received
8 on Oct 26, 2004, and the "Edge" underwriting monitoring system at
9 Countrywide, which automatically produced the Underwriting Letter, also time

10 stamped it on Oct 26, 2007.
11 13. After Att Shatz and Boock repeatedly reassured me that they produced all the
12 Underwriting Letters that were part of Samaan's loan file, I asked them why the Oct 26,
13 2004 Underwriting Letter was never included in their subpoena productions. They
14 appeared surprised, and it was clear that they had never seen that Underwriting Letter
15 prior to that day. Their immediate response was that the Oct 26, 2004 Underwriting
16 Letter was not part of Samaan's loan file from the underwriting period in 2004.
17 14. I demanded an explanation for the appearance of that extraneous Oct 26, 2004
18 Underwriting Letter. In response, I received on April 12, 2004 yet another subpoena
19 production (albeit - I never asked for it). In the few hundred pages were inserted some 20
20 new pages, including the Oct 26, 2004 Underwriting Letter. But it did not appear as a
21 stand alone Underwriting Letter -like the rest of the Underwriting Letters. Instead, it
22 appeared only as part of correspondence in Nov 3-6, 2006 (more than two years after the
23 underwriting period) between Keshavarzi, Lloyd, and McLaurin.
24 IS.Em D (p 48) is a true and correct copy of Countrywide subpoena documents - Nov 3-6,
25 2006 Correspondence, as received by me in April 2006 from Countrywide.
26 0 that Lloyd, Samaan's husband was an acquaintance of McLaurin, and the
27 relationship between McLaurin and Samaan was not a typical ann's length
28 Bank Manager - Borrower relationship. Prior to that- Att Keshavarzi dubbed
-27-

Notice #3
Exhibits Volume B
B-154
Case 2 8-cv-0155\ ,p-cw Document 40 Filed 0", /2008 Page 30 of 50
1 my claims that Samaan and McLaurin were in cahoots in this fraud as

2 "conspiracy theory". After I received this correspondence, he back off that
3 dismissive argument.
4 o that on Nov 3, 2006, Lloyd is suggesting that maybe this letter could be used to
5 substantiate a claim that missing initials of Zernik caused delay in the final
6 approval ofSamaan's loans in 2004. But by Nov 6, 2006, 3 days later, a set of
7 coordinated fraudulent declarations were produced in court, claiming that the
8 missing initials caused the immediate suspension of Samaan loan applications
9 on Oct 14,2004, two days after their purported first receipt in San Rafael.
10 o That in Nov 2006 Maria McLaurin was still hesitant to become a full pledged
participant in the fraud against Zemik. She refused to sign the verified
11
statement offered by Keshavarzi, and instead supplied a letterwhich should not
12
have been admissible in court. Later, she changed her position, and submitted
13
blatantly fraudulent verified statements.
14
16.Exh A (p 38) is a true and correct copy of Samaan's Sept 27,2004 jSl Lien Loan
15
Application (1003), obtained by subpoena from Countrywide, showing double "Date
16
Received" stamps, signatures of Parks that do not resemble his signature in Court
17
Declarations (Exh R, p~, and umpteen false and deliberately misleading data entries
18
(detailed in text of notice).
19
17.Exh B (p 42) is a true and correct copy ofSamaan's Sept 27,2004 Zft Lien Loan
20
Application (1003), showing double "Date Received" stamps, signatures of Parks that do
21
not resemble his signature in Court Declarations (Exh S, p 149), and umpteen false and
22
deliberately misleading data entries (detailed in text of notice).
23
18.Exh E (p 61) - is a true and correct copy of the document Oct 4,2004 Broker
24 Certification and Origination Agreement from Countrywide subpoena productions.
25· Notes:
26 a. This fax document, produced by Countrywide, presumably documents
27 transmission from Parks (Washington State) to Countrywide (San Rafael,
28 California). But in fact, the fax header imprint is anonymous in violation of
-28-

Notice #3
Exhibits Volume B
B-155
Case 05-90374 Document 260-4 Filed in TXSB on 05/08/09 Page 17 of 35,-
Case 08-cv-0155~ A.P-CW Document 40 Filed OL, ,'2008 Page 31 of 50
FCC regulations. The fact that such an anonymous document was received in
2 Countrywide as part of a loan file applications is in violation of both "sound
3 banking principles" as required by Regulations B of the FRB, and also in
4 violation of Countrywide's own Policy and Procedure manual regarding the
5 use of fax machines. The fax header on this document perfectly matches the
6 fax header on documents such as the Oct 25, 2004 fax transmission of the Sept
7 15,2004 Purchase Contract, which is part of the convoluted fax/wire scheme
8 of Samaan, Parks, Lloyd, and Countrywide (see Notice ofDocument: Sept 15,
9 2004 Purchase Contract) against a financial institution, and across state lines.
10 b. This document provides Samaan's certification of the documents, but fails to

provide Parks' Broker's Certification. Such Broker's Certification was in fact
11
never provided, therefore entirely invalidating the two loan applications.
12 \
c. This document is missing Parks' signature on the Broker's Certification, p 12,

13
but bears a purported Parks' signature on Origination Agreement, p 13, albeit,
14
the signature on p13 bears no resemblance to Parks' signature on either the
15
Loan applications (Exh A, p 38; B, P 42), or the Court Declarations (Exh S, p
16
149).
17
d. If one is to accept this document as a fax transmission from Parks to
18
Countrywide on Oct 4, 2004, then it contradicts the claim that Samaan's loan
19
applications were first received in Countrywide only on Oct 12,2004. In fact,
20
neither in the loan files, nor in the court room was any of these fax
21
transmissions authenticated.
22
19. Exh F (p 64)- is a true and correct copy of the Countrywide underwriting document
23 from Samaan' Loan File subpoena- Oct 6, 2004 Reverse Yellow Pages Lookup of
24 Samaan's work phone (323) 655-5654- locating it to Samaan's residence - 1227 S
25 Alfred S1, Los Angeles, CA 90035. It was this finding that gave rise to the requirement
26 to explain employment information as the very first condition in the Oct 14,2004
27 Underwriting Letter and suspension notice. This document also on its face contradicts
28 SamaaniCountrywide claims that the loan applications were first received by
-29-

Notice #3
Exhibits Volume B
B-156
Case 08-cv-0155~ ",p-cw Document 40 Filed OL, /2008 Page 32 of 50
1 Countrywide only on Oct 12,2004. It also contradicts the claims that missing Zemik's
2 initials caused the suspension of Samaan' s loan applications, which has not documentary
3 evidence from 2004 whatsoever.
4 20. Exh G (p 66) - are true and correct Countrywide subpoena documents from Samaan's
5 loan file:
6 a. Oct 13, 2004 - Quality VerifICation and Documentation Questionnaire, hand
7 completed by Senior Underwriter Frazier, showing derogatory notes under:
8 1. Identity theft prevention
9 11. Employment re-verification

b. Oct 13, 2004 Compliance Verification forms - showing missing signed
10
disclosures.
11
c. Oct 13,2004 Unsigned Countrywide Home Loans Disclosures. Such
12
disclosures had to be signed within 3 days from loan application, but since
13
there was no agreement on fees, such disclosures could not be signed.
14
21. Exh H (p 84) - is a true and correct copy of Countrywide's subpoena document from
15
Samaan's loan file - Oct 14,2004 - Clues Report. Clues is Countrywide's
16
Computerized Underwriting Expert System. This report shows numerous derogatory
17
comments:
18
a. violation of program rules,
19
b. multi layered risk, etc.
20
c. it also states that a realtor is prohibited from using commission proceeds as
21
part of the funds to close. Samaan constructed the Sept 15, 2004 Purchase
22 Contract in a way that directly contradicted this rule. Therefore, had Samaan
23
submitted her Purchase Contract with the initial loan application, that would
24 have created another hurdle for her approval- yet another violation of program
25 rules.
26 This Oct 14,2004 Clues Report, denied approval ofSamaan's loans, instead referring
27 them to Division Underwriting Support. On Oct 25, 2004 McLaurin, in her efforts to
28 push forward funding of Samaan's fraudulent loan applications, filed the Oct 25,2004
-30-
Notice ofSamaan's Fraudulent Loan A{)plications and Fraudulent Representations

Notice #3
Exhibits Volume B
B-157
Case 2· 8-cv-0155t .P-CW Document 40 Filed 04 2008 Page 33 of 50
1 Exception Report with Demetrio Gadi (Exh J, P 93), in violation of the conditions set by
2 the duly assigned Senior Underwriter Frazier - that such be done only after Samaan filed
3 valid Loan Applications (1003) listing the 0.75% loan fees. In addition, McLaurin failed
4 to submit to Gadi a Clues report, instead making up fraudulent fictitious complimentary
5 credit determinations for Samaan, and in the process also hiking her income to $4m per
6 year. Gadi unfazed, added specific restrictive conditions to Samaan's loan applications in
7 his Oct 29, 2004 Exception Report (Exh N, P 104), which did not reflect confidence in
8 the integrity of McLaurin or data she provided regarding Samaan's loan applications:
9 - He re-affirmed the requirement for valid Loan Applications (l003) listing the loan
fees of 0.75%
10
11 - He added a condition that a valid Clues Report be produced prior tofunding
- He added a condition that all such documents be reviewed and approved by a Branch
12
Underwriter (rather than Branch Manager McLaurin).
13
22. Exh I (p 9i}- is a true and correct copy of Countrywide's subpoena document from
14
Samaan's loan file - Oct 14, 2004 pt Lien Underwriting Letter, showing a suspension
15
notice with:
16
a. Condition #1- explanation of false employment data, and
17
b. Condition #2 - resubmission of loan applications with correct listing of loan
18
fees to Countrywide
19
23. Exh J (p 93) - is a true and correct copy of Countrywide's subpoena document from
20
Samaan's loan file - October 25, 2004 - McLaurin's Exception Request - Branch
21
Input.
22
Notes:
23
a. McLaurin's submission of this Exception Request is in direct violation of the
24 conditions set by the duly assigned Underwriter - Frazier, that Samaan submit
25-
a valid Loan Application (1003) listing the 0.75% loan fees. Mr Gadi in his
26 Oct 29, 2004 Exception Reply reaffirmed these conditions.
27 b. Samaan's annual income figure is a blatant handwritten adulteration of a
28 digital document. As evidenced in Exh K (p--.J, McLaurin submitted this
-31-

Notice #3
Exhibits Volume B
B-158
Case '08-cv-0155l -
. P-cw Document 40 Filed Ot.,
-
'2008 Page 34 of 50
report to Mr Gadi with false statement of Samaan's income - at $4,000,000 per

2 year. On the Exception Request itself, instant exhibit, a printout from
3 electronic file, the figure was adulterated by hand. Countrywide refused to
4 provide an authentic printout of the Exception Request document, regardless of
5 multiple requests.
6 c. McLaurin failed to include with the report a printout of Clues. Instead, she
7 included false statements regarding Samaan's credit worthiness, that
8 diametrically contradict the determinations made in the authentic Clues
9 Report. Gadi added a condition that an authentic Clues report be produced and
10 reviewed by a Branch Underwriter in his Oct 29, 2004 Exception Report (Exh
N, p 104).
11
12 24. Exh K (p 97}- is a true and correct copy of Countrywide's subpoena document from
Samaan's loan file - October 25,2004 - Ortin's Email Note RE: Exception Request.
13
This email note is supposed to correct McLaurin's false statement ofSamaan's income-
14
at $4m per year. It is not clear whether Gadi was aware of Ortin's email note by the time
15
he produced the Oct 29, 2004 Exception Report.
16
25. Exh L (p 99)- is a true and correct copy of Countrywide's subpoena document from
17
Samaan's loan file - October 25, 2004 - McLaurin/Ortin 's Appraisal Review Order.
18
This order by McLaurin, like the submission of the Oct 25,2004 Exception Request,
19
diametrically contradicted Senior Underwriter Frazier conditions - such review was
20
supposed to be ordered only after Corporate approval of the Exception Request, which
21
did not arrive until Oct 29, 2004. Together, the following documents evidence the fact
22
that by Oct 25,2004 McLaurin, a Bank Manager, removed Samaan's fraudufent loan
23 applications from the duly assigned Senior Underwriter Frazier, and handled their
24 underwriting herself:
25 a. Oct 25,2004 Exception Report
26 b. Oct 25, 2004 Appraisal Review Order
27 c. Oct 29,2004 Underwriting Letters
28 d. Nov 3,2004 Unde1'Writing Letters.
-32-
Notice of Samaan~s Fraudulent Loan Applications and Fraudulent Representations

Notice #3
Exhibits Volume B
B-159
Case '08-cv-0155t \p-cw Document 40 Filed 0" }2008 Page 35 of 50
1 In her fraudulent court declarations in 2007 McLaurin did not disclose any of her direct
2 involvement in the Underwriting ofSamaan's loan applications. Instead, she falsely
3 portrayed herself as a bank manager who was in 2007 reviewing underwriting documents
4 that were produced in the nonnal course of business in 2004, and providing her
5 interpretation of such documents as a Bank Manager. She never disclosed that she
6 herself was the unauthorized underwriter of Samaan's loan applications, after removing
7 the applications from the responsibility of the duly assigned underwriter - Frazier.
8 This document also contradicts Samaan's/Countrywide's claim that the Appraisal Review
9 was delayed because of Zernik's initials, and that it was finally obtained on Oct 25, 2004,
10 and with it also loan approval was obtained. Both the appraisal review and the loan
approval were far from being obtained on October 25, 2004.
11
12 26. Exh M (p 101}- is a true and correct copy of Countrywide's subpoena document
produced as part of Nov 3-6, 2006 Correspondence of Keshavarzi, McLaurin, and Lloyd
13
- Oct 26, 2004 -Underwriting Letter, unsigned, claimed as not part of the loan file by
14
Legal Department attorneys in Meet and Confer in 2007, but entered by Keshavarzi as an
15
Oct 14, 2004 valid Underwwriting Letter, with a dubious support letter by McLaurin.
16
This Oct 26, 2004 Underwriting Letter in fact shows that the loan applications were still
17
suspended on Oct 26,2004, contradicting Samaan's/Countrywide's claims that approval
18
was issued on Oct 25, 2004.
19
27. Exh N (p 104) - is a true and correct copy of Countrywide's subpoena document from
20
Samaan's loan file - October 29,2004 Gadi's Exception Report, issued at 1O:46am by
21
Division Underwriting Support- Demetrio Gadi's response to McLaurin's Oct 25,2004
22
Exception Request:
23 a. It contradicts the false claim that loan applications were already approved by Oct 25,
24 2004.
25 b. It shows numerous conditions added by Gadi that were never complied with
26 throughout the life of these applications.
27 c. Gadi stipulated his approval upon veracity of data provided to him, but McLaurin's
28 input was false and deliberately misleading, therefore, as stated by Gadi:
-33-

Notice #3
Exhibits Volume B
B-160
Case :08-cv-0155\ ,p-cw Document 40 Filed OL )2008 Page 36 of 50
1 "IF ALL CONDITIONS ABOVE ARE NOT MET THIS EXCEPTION IS NULL AND VOID!
THIS IS AN EXCEPTION DECiSiON ONLY AND NOT A LOAN APPROVAL."
2
28.Exh 0 (p 108)- is a true and correct copy of Countrywide's subpoena document from
3
Samaan's loan file - Oct 29,2004 Underwriting Letter, showing:
4
a. This Oct 29,2004 Underwriting Letter was signed by Branch Manager
5
McLaurin instead of the duly assigned Senior Underwriter Frazier, and in
6
violation of the condition set by Mr Gadi, that a Branch Underwriter manage
7
the underwriting of Samaan' s loan applications.
8
b. As of Oct 29,2004, appraisal review ordered on Oct 25, 2004 was still not
9
received. Such data contradicts false claims made in court declarations and
10 briefs, that such appraisal delayed approval of the loan applications, was
11 received on Oct 25, 2004, and that the loan applications were approved by Oct
12 25, 2004 as well.
13 c. As of Oct 29, 2004 Samaan had never filed the required corrected, valid Loan
14 Applications (1003) listing the loan fees of 0.75%, and therefore could not file
15 the disclosures either. In fact, never in the loan file are valid loan applications
16 (1003) to be found.
17 d. The fraudulent fax transmission product Sept 15, 2004 Purchase Contract (see
18 under separate cover - Notice 0/ Document: Sept 15 2004 Purchase
19 Contract), falsely and misleadingly represented as the product of fax
20 transmission on Oct 25, 2004, 5:03pm, from Parks in Washington State to
21 Countrywide in San Rafael California (across state lines), was still not part of
22 the loan file on Oct 29, 2004. Therefore, the Oct 29, 2004 Underwriting Letter
23 is a support document for demonstrating that the fax transmission on Oct 25,
24 2004 was falsely and misleadingly misrepresented in court. Moreover, the fact
25 that the Sept 15,2004 Purchase Contract is still missing from Samaan's Loan
File on Oct 29,2004 entirely contradict the fraudulent claims that Zernik
26
delayed the delivery of the Purchase Contract to Countrywide, and that it was
27
28
-34-

Notice #3
Exhibits Volume B
B-161
Case '08-cv-0155l I...P-CW Document 40 Filed 04 ,2008 Page 37 of 50
delivered on Oct 25, 2004, and that such delivery resulted in the immediate
2 obtainment of both Appraisal Review and Loan Approval on Oct 25,2004.
3 e. The statement from Samaan's mother regarding the ownership and access to
4 funds in the joint account that were essential for closing, was still not received.
5 In fact, it was never received during the life of this loan file.
6 f. Conflicting business and residence addresses, first identified by the duly
7 assigned Senior Underwriter Frazier on Oct 6, 2004, were still unresolved. In
8 fact, such was never resolved during the life of this loan file.
9 g. Broker Certification ofDocuments was never received yet. In fact, such was
never received during the life of this loan file.
10
h. Wells Fargo Bank Statement was still never received, required to demonstrate
11
availability of funds to close.
12
29. Exh P (p 111)- is a true and correct copy of Countrywide's subpoena document from
13
Sarnaan's loan file- Nov 3,2004 Appraisal Review Report- issued at 12:25pm,
14
contradicting the false claims that such appraisal was obtained on Oct 25, 2004 and also
15
allowed the loan applications to be approved already on Oct 25, 2004.
16
30. Exh Q (p 114) - is a true and correct copy of Countrywide's subpoena document from
17
Samaan's loan file - Nov 3,2004 Oct 29,2004 Underwriting Letter, showing:
18
a. This Nov 3, 2004 Underwriting Letter was again signed by Branch Manager
19
McLaurin instead of the duly assigned Senior Underwriter Frazier, and in
20
violation of the condition set by Mr Gadi, that a Branch Underwriter manage
21
the underwriting of Sarnaan's loan applications.
22
b. Valid Loan Applications (1003) listing the true closing costs with loan fees of
23
0.75% were still not received. No Loan Disclosures were signed yet either.
24
c. The Sept 15, 2004 Purchase Contract, fraudulently claimed as faxed to
25 Countrywide on Oct 25,2004,5:03 pm was still not incorporated as part of the
26 loan file. In fact, there is no evidence that it was received by Countrywide yet
27 on Nov 3, 2004!
28
-35-
Notice of Samaan '8 Fraudulent Loan Applications and Fraudulent Representations

Notice #3
Exhibits Volume B
B-162
Case :08-cv-0155l ,p-cw Document 40 Filed Ol, 2008 Page 38 of 50
1 d. Statement from Samaan's mother regarding ownership of funds to close was

2 still missing.
3 e. Broker's Certification was still missing
4 f. Conflicting work and residence addresses were not yet resolved
5 g. Missing Wells Fargo Statement to demonstrate funds to close was not yet
6 received.
7 31. Exh R (p 117) - is a true and correct copy of Countrywide's subpoena document from
8 Samaan's loan file - Jan 27,2005 - Denial Letter, showing denial of funding by
9 Countrywide Bank, contradicting claims by Samaan/Countrywide that loans were
10 approved by Oct 25,2004, and Samaan was able, willing, ready to close by Nov 1,2004.
In investigation in 2007 by the OffICe of Thrift Supervision Countrywide Bank stated
11
that it would never have funded Samaan's loan applications.
12
32. Exh S (p 119) - July 2006, Samaan's Deposition, showing that Parks was never
13
involved in her loan applications, that her husband was the one who prepared the loan
14
applications, falsely signed by Parks, that Samaan was employed at the time of the
15
application as a cosmetics saleswoman in a department store, contradicting false
16
statements about her employment in loan applications.
17
33. Exh T (p 149) - Oct 27,2006 Parks' Court Declaration - full of contradiction regarding
18
the underwriting process, as outlined in Table 1. Parks' signature on this document bears
19
no resemblance to his signatures on the Sept 27,2004 Loan Applications (Exh A)or the
20
Sept 7, 2004 Prequalijication Letter (Exh J. The latter two do not bear any
21
resemblance to each other either. In the whole Samaan Loan Application file there is not
22
a single authentic signature by Parks.
23
34. Exh U (p 157) - Sept 7, 2004 Park's Prequalijication Letter
24 I make this declaration under penalty of perjury pursuant to the laws of the state of
2S California. Signed here, in Los Angeles, California, Feb 29, 2008.
26
27
28
-36-

Notice #3
Exhibits Volume B
B-163
Case :08-cv-0155\ ,p-cw Document 40 Filed 0<-, .2008 Page 39 of 50
2
3
4 JOSEPH ZERNIK
DEFENDANT & CROSS COMPLAINANT
5
inpra per
6
7
8
9
10
11 V. EXHIBITS
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
-37-

Regarding their UnderwrifiDg by Samaan & Countrywide
Notice #3
Exhibits Volume B
B-164
Case :08-cv-0155\ \p-cw Document 40 Filed OL, '2008 Page 40 of 50
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27 EXHIBIT A
28
-38-

Notice #3
Exhibits Volume B
B-165
Case 2:08-cv-0155 ,p-cw Document 40 Filed OL
- /2008 Page 41 of 50
.'!'
unifort Residential Loan Ap,tcation

ThIs appbloo Is de5IllnetIlDbIoeumpieled by Illo applitanI(s)..,"VIlhe Lendtfsasslslan<e. AppIitonb ....uIll 00IlIIllefa ttlb torm .."Il-." or~.u
~ eo-_lIlf_ _ rnur;\ oIsobelllDVlded(IIIlIIhe~ltbox"""""",,>\_Olllol_ or ...... aiD _DIUIIhallIhe ~
PfDPtI\v-,otllle_lsRlylnOonolllcrPft!ll<rly_dl·.~~_
of1lle_._..
(1IldoldlnIJtlIellollllWll'.SJlDUSBl...lb• ....., ... Iwis forI... quilIIIIca1Ioo or Oll>elnoo... ora.....
... _for_nloIlI>e ......

oalblo .. ad .... b""',., .....
qlldliclllOll, but hll orhorDablllI"lIIllClba l:OlISldtn!d becaoselhe llarrwlernsllles In oCO/Mllll1llyPl\lPlllJslIIle, ll>estCUdlYpJqliIJ1Jlo '-II h. CllIIIIIIIriIY
L "M'EOF'MORTGAGEAND TERMS OFLOAN
Desa1be~ 011II" Olobo_
1llI8
SOUlCDoIO"""P8lll1Olll.S<llIItMIIlICII_ _ SUbOldinaleY';"acIIIa ICllll1lln1

Cho.ldnglSavlngs
m.I3ORRCIWER FOIlMATION
... -
1227112 S. Allred s......t
La. A.golo.. CA 90035
MaII1nIl Add...., Ifdllfaranl room _111 AdlreSS
eolau,lne..
N_.Add.... oIEmpl..,.,
l'I'8 ...
eo-
Ilo_r
_
FI8I1d1tMuFclnll.' 01104
C8IYX F... leO) I.D8nIppI.... D1Jll4 Computer Genertlt~1 oI~
Handwritten 1003
Notice #3
Exhibits Volume B
B-166
Case 2:08-cv-0155 i.P-CW Document 40 Filed O· 12008 Page 42 of 50
I •
V. MONTI:IL'V INcOME AND COMBINED HOUS! G EXPENS~ WFORMAllON
.- 1
=:"~.': ....... '.
p~DP-
-
G... MD""'lJIlnoom_ 1IiI_ Co-Bo_r Total
8asa~.lncame· 33.333,00 S $ 33,»3.00 Real $ 3,390.00
, ..
fbt MorfI/ODe (P&I) 6,219.33
800uses DIhar!'lnlac/ng (PII) 1,128.60
__Puoo
IHomdNurala
-_
e-JsIIOIIJ 400.87
IlMdIndlllolore>l RaI EsItIe T.... 1,789..58
Het R8lIlII_ h1l1111l1a: lRslnlce
othet ......_
.......
. . . .-.l:ah.....",.,.
0UIar.
3,390.00 9,611.38
Tollll • 33,333.00 S 33,333.00 TolI/ $ S
. $
S.VEmployed 80"...."1.)"""110 nqIllnI~'" PJ'D'I<ho .ddllJ....,d...."""'..U....dI ..... _ """ lin""oIaI_....b •
~
D"cr1tJD 0UMlr lneotrIo NoUca: ADraD"W'1 chltd .UPPOrt. wup," mdU"'a )DCOfDI niH ftOt: b. RJNIJed 11th,
B._Ill) Dr eo.e........, lC) do. . .ot-......... II _Idem! forre,llyi'llhIs loon.
~I· __ Amounl
~
AS9aTS Cosh or M>tlctt
Inluo ._liIo.
lIollolO, Iodddlng . . ._
LlUllllbudPlodgal ........ USltllaae<llloh ...... _
u.e.._
Ild<pIIllgu, ....
rtl/DlWlOc:haIgt-. .... -
....._ ronborlor.. out>....dIng
- . ~ _ _I\.
.. I'l'M _ _ ..HdIWi1be
~V_.Indica
COSllGePO"'_ptIItIU5ehold IJy; S _ _ .OItolrul ...... _orUJI"'...-.C/lh.~ ...._ .

Malal!scrow 30,000
MIIIIthIyPoymlnt&
lWlIIJJIES IlIopih. t..rttoP., Unl101dB.""DI
IJsI chDCk/llg 11I11 UY/rIfP •...,1IlJfJ ""OW

_ ............. olCGmpaJly l~r""".lIlIMOII1/lS
NIlIIOIIIIII orCn!dltUIllOn FIRST USA

PO BOX2S62D
Wolls FIIlIO BlInk PHOENIX, A:l. 85038
P.O, Box 6956
POIIIa,,1I, OR 07228-6995 9.870
- . nt. 4332370011D40372 197
181,097 N.... ond 0IIlI.... of CompIill)' S~ S
A<d. no. 181-4098380 S
Nam..... _"'.. 01 BanlC, S&.crQed. ~ FST EImlIlHT
6735 FOREST LAWN
W.lls F-.go Bank HOLLWlOOD. CII 90018
P.O, Bo~ 6995
POl1Iand, OR on28-i195 mIlO 9,033
IAccl.no. 925840100
_1IIld_oICo/llp:1111 S,PaymDJ\UMllllll\S S
A<d..... 750.0194395 $ 02,321
_and - . oIBi1n.. SAL, orCredllu.loft WASHINGTON MUTUAL BANK
PQBOX1093
NDRTHRIDGE. C" 91328
-'IID, 100l00000oo0082eDB3611 102 7,904

_ellUl_ofCGmPlllY SPa~
Al:CI. ... $
NOn1llllllCl8d..... '" Bank. SIOL, or Credlt UIIiOn cm
POB6241
SIOUX FIIUS, SD 67117
iAl:d..... &4241B069919 132 9.347

1..... 1IAIl_·oI~ SPaym_1IIIIs $
A<d.~., S
BAR/oIEVS tlV CREO co
SIDCb o\B-I~any nomoi 1201 VALLE'{ BROOKAY&
num.r & descriPllon)
1.Yl'lIlllURST, NJ OTOT1
P<::J. no. 6003355682 114 1.477

Namolllld _oIC011\palt1 SP~I/$ $
1JI.lnsIJranc&lIllIo:ashVlluo S
p-.........,S 600,000
S1dl/oIiII UqaId ADoIs S 293,422
-'no.
==.teaw:r~~~ _end IIdd"~ cI COllIJI'Iny $ PaymOnlIMOn,,",
V_Iftt!..stll> .._ ..... ....••. .'
Nel-OOo/~ ..)"""'" $ 500.000
-. ...
llllllclllnandal .....melll)
~ ....... [mallOaadyoal) ~
25,000 IS
..
2002 Honcbl ACCOld
~ow:r~'''''--
0Mler A5H1S Cl\OmIZ8f
.......11We 160,000 I'M RoIaIod _eldllld cono. _11111!5, etc.) $
100,000
JIIWI)CY
.....
r...IMiiiilliWI'"oymonl5 S 811 ...
TollllAs••bo. $ 1,112,422 I:~~I, =>':15 1.on.791 TOU! IJabllMlu... S 34,831 I

f_.. . f<>IIn U
CoIVX form '003 ~ 01/D4
01~ Computer Generated"."
Handwritten 1003
• •
• 014 IlIlmlWt1
<:0.- _
Notice #3
Exhibits Volume B
B-167
Case 2:08-cv-0155, ,p-cw Document 40 Filed Ot. ,'2008 Page 43 of 50
Pn>peltyAddous 1....'9 ...... P9 w~ .. TYl"'af

"'RH...IIl~heldlor"""""1
l\mouJllol........Gn>ss
Pnl~ t.tarfcotVolu. Morlg>gos & lJoIIs ROlltIIIocarno
Uortgaae ~.
"'-. llet
l'a)1I11'"1o Tous& ...... Renlallna>me
S S Is s s S
To.... S S S S S
Us!.IIY .ddIII..... nom.. """.,..bleh cn>d111W """"0"'11 ....n ............ lIlllJ.....pP/Dtl,.... t~tna.....sl ••u""unl .......rj.J,
I VII. OETAll:S" OF· TRANSA~ON>

'VII~ !lEC~TION~
LPlldlMDprtto IS 1.11&,0110.00 :.':=:;';:~:""'_"'lIIroush~pIoIIIU'._ B_ _ _,
I
b. AIlIIdonD,~_, .._
Yeo No Yo N.
Co Land(lllCqllhdsap~
II. AI........ (1Ild. defrls IDllII PIkIoll)
"""-IIll'-~~IlI_)'lllIl
b. -~-_-""'wlllInlJl.P1>l7yeDJl1
o iii 00
0&1 00
.. EsIinroWI pit paid hem. 6,299.33 .. _youlllld"""!l\I' _ _ _ orglmrlllD .. oItodln .... _ 0&1 0 0
e-----..___
I. 1!sIIrnoletl1:!DD>~_ 21,116.110 "''''1IsI7\'U1St
Do PI... M1P.~DF•• II. Anlyau.I""Ir ..........,
h. IlbtoUnl (l/80_wII pO'/l
0&1 00
L TDtII costs .add _ t tIImrJlUI
t. -you.....,... INIndIV...... ollIIrIalldMOJ'IfIo... _ '......II.
_ _ _tIflillllllllellolbetlo!lllo,orJullgmtll\7 0&1 DO
1.141,116.33 SlIIo...... _ _
~ Stdlorlhfa It\Ind/lll 171,1100.00
k. e...-ndo"'~COIIspoldby_ ="'-=-:"~.=r:'~~~=r-"1l'=
u.s-ell....FJIA.VAc.aramt.t .....Md. . . . . . . . . . . .)
L 0llIar~1 L ..In_......._ _ or...,olher
",.yauJllOStJl\lyd~
Olill 0 0
e>&.. llel'0"" 'Nl.oOIl.M ~~"":~=="",".?
Iv. Anlyoo/lbllilUd......,......,. _1lUpIlllIt. ....pora_ _l Olill DO
II.lslAl'part"llIa"MlPIJIIIIM~ DEll 00
--...............................................................................-........-.....
L Alayoua_orOlld<XlCtOll.nolt? 0&1 DO
... Looft tnlOUIIl 1.374,400.00
~ AlO~aU.s._ ~O DO
1 - PM~MIP. t .."flll/tca IinaIltod) .. N4~'JlIIIll3I!b'I...1donc_? o iii 0 0
I\. PML NIP. FIr\dInf F..1lIl......
O.JOUlntladlD.... P1l1\1~..,... plImo»'JOtld....,
rt...,~· CQIIIItIt OllI3hArlbdM.
1ilI0 00
... _jlIUllIlI ... ~~,.,..."'.pIll_"''''.l>sttllrte~ DEll 0 0
Do Looft _ I (add III & n) 1,374,400.00 (t)_"""oJ........,d1d)1lU~_[PR).
--ISIl)," _ _IIIV(IPl7
p.CHIr _ _
188.116.33 l2l_ddyouloollllillo............-rtIlt_ISl.
l.ul>\ItdJ.k,l&. IrD.. _ jOIIltf.... ".._.ISPlo..J!lnUrWlll_.. _
I
.. IX. A!:KNO'M.EDOMENY"AH!l. .A'G~m
(0)1
.. I
,_
_lea_.........
_III.. -- -,,-
Elllnlc\tyl 0_ _..
HIsJ...... LallIlo f!lJ HolH1&_.. CAIIinl> £IIIb\Cllll: 0 _ _ .. 0 .... _ ... -
Rato. 0_ 0 - ... !b.., OAoIoo O_or
0 _ _.. - 0 _ _ _,
&1- O,,*"_or 0_
OIIlttl'lltlltbl_
Sa:c Ell_ OlolOlt sa: OF_ 0_
T.l>I CO.. plcUdby I a _ ........ _.orlnllllWMfl~
TlllD."-"O....... _tlI< vl~d.,u ~rW.7t Paclllc IlIDIIgago Conauhanls
Ot_1ato IIlIeMevI 700 ....Jkspur ....ndlllll CItd. '171
I JlV'I .... ,.......Yv\...-=,t1 ~ •.;1".0"(
0 .....
IilITalaphona
0_1lI
31o-~53S3
IlOna _ ...... IllA_- Ladlspur. CA 94939
1PI1J88.57U193
IJ'J 310049&4251
.'.'11
Co!IX
,."" It WD4
llMtI ......pl'3J.. O1J!lc
Computer Generatedl'.ga3 01.
Hcmdwritten 1003
Notice #3
Exhibils Volume B
B-168
Case :08-cv-0155l AP-CW Document 40 Filed OL. /2008 Page 44 of 50
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27 EXHIBITB
28
-42-
Notice of Samaan's Fraudulent Loan AJ!plications and Fraudulent Representations

Notice #3
Exhibits Volume B
B-169
Case 2:08-CV-015~,... &ft1~es~H6irlt>q.nJfdP~8~~..JJf008 Page 45 of 50
ThI5 appllcallon Is designed 10 be completed by Ihe apPllcanl(B) with tile Lender's asslslance. ApplIcants should complete this form as -Borrower" or 'Co-Borrower" es
app/JcabIB. Co·Borrower Informallon musl also be provided (and lhe IlJlllfOpriale boK dled<ed) when Dlhe income ... aBsels 01 a person ollter Ihsn !he 'Borro.:er"
0
(IncIudlng lIIe Borrow"'s spouse) will be used as a basis for loan qua511ca11on ... !he Income or assets or Ihs Borrowets spouse wilt not be used aB a basis for loan
qualllk:alJ.... but hls or her Hablilles must be cM.ldered because the Borrower r.sldesln a CMlmunlly property slete,lhe S8l:UtiIy propefly Is Iocaled In a C/lII1Il1Unlly
JlIllPerly slale. or the Bomlwer Is relyJI1lI on other property 'cealed Ina camlllulllly propeI1y stala as a basla lor repayment 01 tho loen.
, . . . " . .! L TYPE OF MORTGAGE AND TERMS OF. LOAN"S. "': '"<
MortgBge
Applltd for:
8 VA
FHA
OJiler (explain): Agency Case Number lender Case Number
Amounl
$ 171,800
OJher (explain): PropeIly ...HI be:

Prbnery Residence 0 Se<:onda'Y Residence Dlnveslment
ToIaICa+b)
$ $ $
Complafa fMs Nne If fhls Is • retir>Mlce le.n.
Year Original Co,I Amount Exlsllng Liens PUfllOSe of R.rlll""ce Deacr1bB !mprOll<lmenls 0 made 010 be made
Acquired
Cosl:$
TIlle wiN be hel In wbal Name(s) Nlvle Samaan Manner In which tille wlU be held
An Unmarried Woman
Soutce olOown Payment, SeWement Charges and/or SUbordinate Financing (eWllIa/n)
Chocking/SavIng.
.1 ...... ••••
'. ilL BORROWER INFORMATION . ' ,Co-r:iorrower. .;
Co·Boo_s Name (Include Jr. or eppllal Ie)Sr."
VIS. School
1227 1125. Alfred Street

los Angeles, CA 90035
Mailing Add,ess, If dillerent from P'll$enl Add,
Former Add,ess (s!feel, cily. slale. ZIPI
"/,,, . ,.", t' " ' , ' Borrower .1"; .• ,IV:EMPLOYMENTINFORMATION :·:r 1:- .• " '~i .•1' Co'
Nem. & Addr.ss of Employer [i) Self Employed Vr•. on Ihls/ob Name & Address 01 Employer
4yr(sl
Spellbound Enterprise, Inc.
Vra. employed In Ihls Y'rB.1l)JIpIoyed IhIs
133 S. Peck Drive, Suite 104 Dne 01 Work!prolesslon One 01 worklprofesslon
Beverly Hills. CA 90212
20
PoslllonfTlllelType.oI BU5Iness Business Phone (nc!. area code) PoslUonITlllefType 01 Business Business Phone (lBel area codel
President 323·656·6654
N empfoyed In curront pe.,Uon ter lou !hen two ye.,. or If curronlly employed In more then one peslf1en, comple'e thelollowlng:
Nama & Addr..s 01 Employer o
Self Employed Oates lfrom·lo) Name & Address of Employer o
Sell Employed Dales (Itom-lo)
-
Monthly Income MonII1Iy Ineoma
$ S
PosIlIonfTIllelfype 01 Business rUslness Phone (Incl. are. code) PosiIloftfTlUe/Type el Business ruslnesS Phone Oncl. area code)
Name & Address 01 Employer o Sell Employed Dales (Irom-Io) Name & Addres. 01 Employer OSellEmpfoyed DaleS (from-to)
Monthly Income Monlhly Income

$ $
P05HJon1TlIleJType 01 Business IBUSlness Phone (Incl. area code) PoslllonfTftlelfype 01 Business IBusiness Phone (Incl. BreB codel
-43-
Fr_MacFonns5 DIJU4
Computer Ge&tel'Oi·~td_.
FOMle Moe FDnn 1003 D1JU4
Calyx FDPm 'OM Lo-n.:spp1.frm OtlO-l or.
"'fonclwl'ittl2t1 100~
NotigUQ
Exhibits Volume B
B-170
Case 2'08-cv-0155\ Document 40 Filed OL ,'2008 Page 46 of 50
MONTiII.... INcoMe AND COMBINED HOUSiNG EXPENSE INFdRMAnoN' ' ~ T. .. ,: . ... ·l
'"
I v. ',Co',
.'
"
Gross Monlhly Incomo Bortowor Co-lIorrower Tolal Combined Monthly

Housing espense Present Proposed
eas. Empl. Incom.' S 33,333.00 S $ 33,333.00 Rent $ 3,390.00
Olllllllm. First Morlgega (P&I) S &,299.33
Bonuses Oilier FinancinO (P&II 1,128.60
Commissions Harard InsW1lnce .cOO.&1
Dluldendsllnleresl Real ~lale TaKes 1,189.58
Nel Renlellnc:ome MorIgage btsuranc:e
OII18r tbO'.... """IftlInO, H _ Assn. Dues
_
... ."._'b_
aDfk;e IB -dosaibe
Other:
Total 33,333.00
$ $ $ 33,333.00 Tolal $ 3,390.00 S 9,618.38
Soli Employed Borrowor{11 may be requ'",d 10 provide addltlonl' documlntellon auch ..... rotumo .nd noon.lat.r.lamlnts.
Olscrlb. Oilier Incomo Nollce: Alimony. child support. or lOPI"'. mllnllnan.. Incoml ne.d not be reue.'.d It 1110
Borrower IB) or Co-llorrowor Ie) does.not choOS.lo hI" It conlldlrld lor 'Ipaylno 11110 loon.
~I- -----l.!-I' _Month_IyAmo_unt
I" ; " vi. ASSETS AND,lIAt;lIlITIEs ' "";,·,,,1

This Slalemenlandanyappllcable supporllno schedules mayl>e compIeladjoln!ly bybolhmanled andumnanl.d Co-bollDWets Iflll.lra.sets and RabIHUa. ar.oulfldonUy
joIned so Ihat the Slalemanl cen be moanlnglullyand Isrrlypresenlad on a comblned bask; olherwlse. separale Stalements end SC!ledulesarerequ1red.IfIlleCo·Borrower
sedlon was completed about a spouse. lhl& Sletement and supporting schedules must be completed aboullhal spouse also.
Completed 0 Jointly lllJ Nol JDlnUv
ASSETS Cuh or Marlcet UlblfRloa and Pled9Dd As..... lJst lII. clGllllor'o nom8, addr.s••niI....,unl number 10< lIII oulslondlng
O.sCllpUon V.lue debts.lndudllll/ oulomobllllioans. ra.oMn!l challl8 aCCOWlIs. real Ulet. loans, alimony. chid .uppen,
lIIock pJedoe•• ale. Use conIlnlJaHon sheet. P necessary. Indicaleby r) Ihos8I1ob11111ea which wi! ba
Ca.h deposltloward purchese held by: $ uftslled upon sale 01 r.alasla18 owned or upon ,ar""",oInO or lhe oubled pleparly.
Mara Escrow 30,000
Monlhll' Payment & UnpaId Balan...
LIABILITIES Months Lelllo Pay
Lisl ch8c1iing and savings accounl. b.low Nama and addl_ 01 Company S PaymenllMontbe S
Name and eddress 01 Bri. S&L. or Credit UnIon FIRST USA
POBOX 29620
Well. Fargo Bank PHOENIX, AZ 86038
P.O. Box &995
Portland, OR 91228·6995
Accl no. 4332370061040312 191 9,810
Name andliildfess 01 Company S PaymenllMonlhs $
Al:d.no. 681-4098380 S 181,091
Nama and eddress III Bani<, S&L. or CredN Union FSTENTRMNT
8135 FOREST LAWN
Wells Fargo Bank HOLLYWOOD, CA 90068
P.O. Box a995
Portland, OR 97228·6995
1Al:d, no,
925840600 266160 9,033
Nama and addr8S& 01 Company $ PaymenUMonlbe 5
Acd.no. 760-6194399 S 82,326
Nama and address of Banli. S&L, or CredU UnIon WASHINGTON MUTUAL BANK
POBOX 1093
NORTHRIDGE, CA 9132&
Acl;L 110. 1001000000000629063611 102 7,904

Name and addre.s 01 Comp81ll' $ Paymenl/Monlhs 15
AccL no. 1$
Name end address 01 Bank, S&L, Of GredIl Union em
POB &241
SIOUX FAllS, SO 57117
Accl. no. 642418060919 132 8.347

Name and addteu 01 Company $ PaymanllMonUts $
Acd.no. S
Slocks &Bonds (Company namel $ BARNEYS NY CRED CO
numbM & d••CrlptlM) 1201 VALLEV bROOK AVE
LYNDHURST, NJ 07071
AccI. no. 6003355682 114 1,417

IMama end address 01 Company S Paymenl/MOllilll S
Ule Instnnce net cash .alue $
Face amount. $ 500,000

Subtotal Liquid Assels $ 293,422
no.
Real eatale owned (enter m""'et value $ Name and address of Company $ PaymantIMonths $
(rom lIChedula 01 raalaslale owned)
Vesled Inlereslln "'~emanl lund $ ......000

0'
Nal worth boslna..(••) owned
(allacb lInandai 0181"",",,1)
S 600,000
AUlomoblleo owned (mike end yaar) S AccLno.
l:/{:';';'i': ': ,~':;

2002 Honda Accord 26,000 AIlmmylChlld ;:rr.poIIISeparale Meinlel18nce $
Paymellls owed 0:
., , I'
Other Assels Otl!lOlze) $ /. ( '. I
Fumltur. 150,000 Job Related Expensolchlld cere. union dUel!. ole·1 $ I, /, J' .
.-.!-
100,000 ,.f
JewellY
., ./
",·i.;'
t r
Tolal Monthly Paym,snls S 811 I , .... '(
Total Assell a. S 1,112,422 I"tUvmth.

.mlnust.1 ',.:"9)"'\$ 1,077,191 Tolal UablUliea b. $ 34,631 -1
FannI. Mae fonn 1003 01104
Fred". Moe Fonn.5 01/001 CotnnlWet', Gefler~te:r.I
eo... F""" 1003 loanapp2.1nn 01104 1"'" Paoo 2 or 4 Co-Borrower _
I-lmlt1Wf'i'i'"l'l?ft :(003
Notice #3
Exhibits Volume B
B-171
Cas ':,.,
.
. .\fLG'N
.
,. ~f€wn~n&i2rr
-.' VI. S A D .
Filed ~.
I IES-_{cont)', '
Schlldul. 01 Real Esrsle Owned (II addUlonsl properties are owned. USBl:OIlllnueUon s",,"l) _.
Pmperty Address (emer S If sold. PS II pendlng sale TypeD' PresOSlI
Insurance,
Amount 01 Gross Mort9"OS MalnlenaoCl,
or R ",enlal being held lor Incomel Property MarkelValua Mo~gages & Liens Renlal Income
Nel
Payments Taxes & MIse. Rania/income
$ $ S S $ S
Totals $ $ $ S $ $
LIsI any addlllonel name. under whlc:h credit luis p,••lous/y been ,oc:elvod and Indleete aPi"o Prl all. creditor namejs) and account numbe,!.).
Allemate Nama Credllor Name Accounl Number
,. VIi.· DETAILS OF TRANSACTION' , '.: ~ r•.

. . , '-
.
'. ;- VIII. DECLARATIONS' .' ~! ':"'1 ,-
.".
:I
a. Plllchase pJlca $ 1.718.000.00 lIyou .nsw.r"y.... Io.ny q....o.ns .lhrough ~ ple... us. contlnuallon
sheet lor expaaPAUon. Borrawar Co-8Drrower
b. AlleraOons, Improvomon1S, repaIrs
Yo. No Vea NO
C. Lend (If acquUed sopamlely) a. A,e IheIll any _ding Judgmenls egaln.l you? 0 ~ 0 0
d. Reftnance (Incl. dobls 10 be paid all) b. Hovo vou been decla,ed banfWpll'JltNnlhe 7 ye...? pa., 0 ~ 0 0
e. EsUmaled p<epald Items e. Havel'OU hlld plOPor!V 'oredoslld upon or glven IIUo or dood In Nou """oot 0 fill 0 0
I. Eslfmeled closIng co.ls In !ho '••17 yeo,s?
g. PMI, MIP, FUndlng Fee d. Are)'OU a parIY 10 atawsuIl? 0 ~ 0 0
h. DIscount (II Bouower will pay) e. Have vou dIm:IJ)' or lndIrocllY been obIgaled on ant Io.n whlch reoullod In 0 ~ 0 0
L Tolal costs (add Ilems a through hl 1,718,000.00 loreclosure, lfansfer oIlII\e In leu 01 loreciostn, or judgment?
I.SubOrdinate flnanClng ~"==.:::=.,':..,,,::=r..=s~.';"...::.~,=~'"
k. Borrowefs dosing cosls paid by Seller =':':i==~::.~r:.::=on.~~end
I. Olher Credll.(explalnl r. lite vou presenlll' delnquenl or In doloun on ""I' Federal debt or onv olh.. 0 ~ 0 0
loan. morIgalJ'l, III1anclalobllgllllM, bond, .. loa. ;Uat.n1ee?
Cash Deposit 30,000.00
• ...,.,: gIVe del". 01 doKdMd In", prlQllng quDIIIon.
g. Aro you obBgaled to pay eIJmony. ehIld supporl. or sop...t. malnlenance? 0 ~ 0 0
h. I. ony pari oIlhe dawn paymen1 borrowed? 0 ~ 0 0
New First Mortgage
New 1st Mtg Closing Cosls (28,115.33) .......... -_ ................................................................ 0 Ii:J 0 0
1,374,400.00 I. Ate you a co-mateer or endOrser on a 00le7
f. Are you • U. S, c1U~en? ~ 0 00

m. Loan amount 171,800.00
(exclude PMI. MIP. FUnding Fee nnanced
k, Are you I permanent reBlden' aNenT 0 fill 0 0
L 00 you Inlend to occupy the property.s your primaI)' resIdence? ~ 0 0 0
n. PMI, MIP, Funding F.e nnanced Ir "'Yes," CbfIltIDie quoalktn mbctow.
m. Have vou had 8A ownership Inlerest In a prQpeJIy In Ihe \asllhree yearn 0 ~ 0 0
a. Loan emounl (add m & 0) 171,800.00 (1) Whallype al ptop<llly did you own-prlndpal residence (PRt
.econd homo (SH). or lnveS1menl propelly elP)?
p. eash IJOmllo Borro_ 169,911>.33 (2) How did you hold 1/110 10 !he _solely by yourseII (S),
(sublracl ,. k, I & 0 Irom n joinl"" wIIh yotI' spouse ISP). or jQ1n1lV Wllh _ petSOll (0)1
IX. A<;KNOWLEDGMENT 'AND,AGREEMENT .. -". ',) . ,Po' ,~ _: , !, );·-'.·1

I ),-
Olle CO·!lorrowe(s Slgnlture

tnI,."ILI1--"""I.-- ~i-,.) 1-0' X
'" x: INFORMATION FOR GOveRNMENTMQNlrORII'l~ PURPO$ES.' ,.::'
TtIelollowlng Informalfonls requ8l1ed bylhe Fedoral Govemmemlorcerlaln Iypes 01 Ioansrelaledloe _ng" ordarla monIlorlhe lendar'scompliancowUh equo! cl.dU
opportunlly, falrtloUslng ondhomemorlgagadlsclosurelawe. Vouerenotrequlredlolurnlshthlslnfotmallon,bUlllleencouragedlodoSo. Thelawpro.k1eslhalaLenderrnav
dlserlmlnaleneltheronUtabasisalthlslnformaUon,noronwhelheryouchooselalumlshlL lfyoulumlsll\llelnlormlUDn,pIeasepravldabolbelhnlclyandlll<8. forrace,you
maydleckmoralhanonedeslgnaGon.I'youdonolfUlnlshelt1n1clly.race,orsllt,und8l'FederalregufatIons,thlalenderlsmqu!redlooo18lheJnlormallononthebaslsafvlauol
llbs8rYellonorsumame. lfyoudonolwishlolurnJshthelnlonnallon. pteasechecklheboxbefow. (Lendermuslfevlewlheabouemalerlallo.ssure UtellhedlscJosUfessaUSIy
all requirements 10 which the lender Is subject under applJf;able &lallllaw lor !he plll1lcular type 01 Joan appJlld lor,)
BORROWER 0 I do nol wI.h to Iuml1h IhI.InI01f1\allon CO·BORROWER 0 I do not \IiIsh to fUrnish Ill.. Informal"'"
eihnlclly: 0 HloP4n1c or L.1Ino Iill Nol Hlsponlc or LoUno Ethnlcl\y: 0 HIoP4ftlc or LoUno 0 Not HlJpllnlc or loUno
Rac.: DAmerlcenlndlanor 0 A.ian oBladtOf Race: OAmllllcanlndlaoQr oA.I.. o Bleck or
Ala... NalIve African American Alaska Nallve AIrlcan AmOllcao
oN_ _ .. ~ WIlle DNatlvo-aanor oWhllo
Olher PacIlic ISlender Othe, PacII1c I.landef
Se.; fill Fomale 0 Malo Sox: 0 Foro.... 0 UaIe
To bo Compt81ed by Int.",lower InlBl\liewe(s Name (prlnl artype) Name and AddIoullI nlflNlewe(s EmplO)'8l
This Ippllcallo. waslaken by: V etor Parks Pacific Morlgall8 Consullanls
o Faca,Io-face Inlervtew I San Iu 00 Larkspur Landing Clrcl. #275
OMaN Larkspur, CA 94939
filITelephone (P) 888-675-5693
o Internal (F) 31ll-496-3256
Freddlo Mac Form e5 011114 Compute...•~ller(!t~d Fannie Mas Fllfm 1003 01104
Cat,oxForm 1003 Lo8IlJlpp3"rm 011114 HandlJlfl'i....hm 100~Pago 3 014
Notice #3
Exhibits Volume' 8
8-172
Case :08-cv-0155~ "P-CW Document 40 Filed Ol, ,12008 Page 48 of 50
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27 EXHIBITC
28 -46-

Regarding their Underwrifuig by Samaan & Countrywide
Notice #3
Exhibits Volume B
B-173
Case 2:08-cv-0155l '.p-cw Document 40 Filed OL, ,2008 Page 49 of 50
. 0°:
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File Stacking Order

,.'
Left Side .' , '~ight S!de. ~.
• .conversation Log • Underwriter App.roval
• CliPy-of Clinditic?RS + Underwritei' -WorJ($h~f'
• RWlmmltl,1l;m, screen • Quality Verification &
i Lock-iii agreell)eJ1t .' Doc;umtnt t;heckllst .
• Lock-iii 1Si:r~en • Pre-ctos.i~g EmplOyment
Yerlfi~t1on'
~: Copr Pocl«1ge
• Inter~1 tr~~lt ~epo~
.+ Copy~GFE&~Z .
. .+ Or!9inal tondltlo~
-47- + Original.l.Oan PacKage'
..
.' .~
Notice #3
Exhibits Volume B
B-174
Case :08-cv-0155l ·.p-CW Document 40 Filed 04 .2008 Page 50 of 50
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
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18
19
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22
23
24
25
26
27 EXHIBITD
28
-48-

Notice #3
Exhibits Volume B
B-175
Case 2:08-cv-0155C ;p-cw Document 40-
~"!!e ~'~.RtUOyd~ TO "MilriaMcLaurio" ..;Mliria~Mclailrtn@Countl)'Wide;com>

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Stibject ~l!fiSusp~nse from Countrywide
Hi Maria.
Here is the suspe:lse issuedb:y Countrywide. A9~illi we j.~st need a st:atemer:.t or
9 uide .line showins-that the FUll:y Exetutedpurchase Agreement is requirEld by
COI.mtryw'iqe for FinaJ., Loal;., 1\.PPl:ov a l.
Thank 1'011.
~.I:L Lloyd for V!ctor?a.rk$

31P.27.5.5353
\
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-49-
Notice #3
Exhibits Volume 8
8-176
Case 2:08-cv-0155(
"""" ~Iri; trollll l4Jt.. ~. Inter.Ilt'ODly ~~, ~" eccupft/o.
f1IotIll8 fl'!"; 1'1l1Wll/\1l~ ~!T~ .tU!P'Q~D

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det.. ""ina\:i~n.
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Notice #3
Exhibits Volume B
B-177
Case 2:08-cv-0155( .P-cw Documenf 40~2 Ie \. ~6e36i'50
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• Notice #3
• •••
i •...•.. ' ..',:-

".',---j., ..
Exhibits Volume B
B-178
Case 2:08-cv-0155l
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mana_m aurin. countrywide.com
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Subject ~ letter
Maria,
AttaChedplelise~MtM de¢la~tiolla!1dlett~r. I Wbuld really appreciatE) your help, as weare onJyaskrng

forthedocurpeoUopea.uthel'lli~ted .. lfyollhave any questions please let me knpw. lfitllilacoeptableto
you plea$~$fgn·aod fa;.: ittp213"44&.2910. Thanksagaih.
«[)¢J(;, PDF:> >

Moe Keshava:r:z:~ Esq.
sheppard MuUlo'Richtef.&H'tlmpton, LLP
~aa$91;ljb"'lo~.$t@e1.4~ 8QW
~o~:An9~1~i.·CA~Q1.~-1~~
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npblfy -the B~q!'!:~ :by ~eplyu~~iiiail ab-d a.eletetbe l'lIessageand any attachments,.
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Notice #3
Exhibits Volume B
B-179
Case 2:08-cV-0155t ·P-cw Document 40-2 Fi e \. 7/2008 Page 5 of 56
I
E>EGLAUTJON'()PMARIA McLAURIN
2 l, Maria M~t,,8.llriJ:l) <state and declare,asfoUows:
3
4 1. Lam the bT,lUl.chman~getf(}rtheS1mRafa¢lbranch of Coupttywide
5 Home Loans, Jne" the'branchthatproC3essed Ms..$amaan'slcan (loan Dumber 81737315).
6: Tn orat'QundOetoberH, too~,Countrywides~etl(:ledMs. Sarnaan's loan because
7 C:;e>unttywidehadnot yet reol,il;jved a copy ofthe fUlltexycllted pUfchaseagreement.
8 Atf4c:liedheretoiiS Exhil)lt30 iSilfrue anti eorrecr cPpy of the letter that Countrywide sent
~ .toMs. Sarnaap.'s broker, Victor Parks.
10
1't Jdeclareunder'pefia'l!y'Qfp®ltrYul'lQertM Fa""s ofthe State ofCalifo!I).ia
12. th~tthe, f9regQlng:is .tro.e,and correct
13
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28
~53..-1-
• Notice #3
Exhibits Volume B
B-180
Case 2:08-cv-0155( ·P-cw Document 40-2 Filed l
@OQ.l
SREPJlffiD MUIJL1N
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3Hrpc.:.~rJ}:UI.U\J i:1C'HIJ 1\ ~. t1N':Fi ON ~t.~
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F A C S LMILE GO Y ltR Slib ItT

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Date: November 6~ 2006
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, .(m¢]Itdi1!tl~paBeCOvl:t&betlt) Pavid'Z;~oft!at.;Z:la.62O:.1!780f Ext.4Sa7
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• Notice #3
Exhibits Volume B
B-181
Case 2:08-cv-0155G p-cw Document 40-2 Filed \ '/2008 Page {olBa
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Exhibits Volume B
B-182
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Notice #3
Exhibits Volume B
B-183
Case 2:08-cv-0155( ;p~cW Document 40- mooR PageY6i56
~QJuntJ:vwidee
75n:.Undaro
$uile11l:l
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-57-
Notice #3
Exhibits Volume B
B-184
?-'tw Document 40~2 Fied 112008 pagel6orBO
.Case 2:08-cv-01550
SA~ R,;A.fAJ:!I.CO~POR."'T:;; CE;NT2R

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SAN~ryFA~l,.,'CAI.1FOP.Nl", 94901
(415) 251.2700
(415) 259.. oB.6cn'.... x
November 6. 2006
Victo!'parks
Pacf:6c M()rt~a;e Consultants
Re: Nivie'Samaan
toa»:brwnl:>er 311J73''l5'
Pitopettyal19,teSS{ 320$ P¢Ck Pt
'Beverly'Hills,CA 90212
Mr..Parks,
This is to confirm tbatG(juntrYWidel'JQtJ,leLoan$pro.~l;$Seqtbe ab~v~ d;f~(?rlged
tnortgageapplicationonor around October 14~20t>4. The lo~was~uspen4~ pen!iU~g
~J>toJa cqpy ot:ft!.eftiHy eX~!1t~pm"cl1as~~ee~ent.~ch~lsacopy aCtbe
letterissued by COUnttyW1deHome Loap.s. '
':E4~'X(hh
f}~ f1rf~)f~
Maria MeLautin
'l3r$leh Mapaget
-58-
Notice #3
Exhibits Volume B
B-185
-Case 2"OB-C\l-01550 ?-Cw Document 40-2 FiledC page'llol56
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Exhibits Volume B
B-186
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Notice #3
Exhibits Volume B
B-187
Case 2:08-cv-01550 .?-CW Document 40-2 Filed C ! 12008 Page 13 of 50
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7
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18
19
20
21
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27 EXHIBITE
28 -61-
Notice of Samaan~s Fraudulent Loan Applications and Fraudulent Representations

Notice #3
Exhibits Volume B
B-188
p-cw Document 40-2 Filed C. 1/2008 Page 14 of 50
Case 2:08 cv 01550
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-62-
Notice #3
Exhibits Volume B
B-189
I
__..-_ ....__
._..Case 05-90374
..- ... _._ ... _._,- Document
... ~. ,-_. 260-5 Filed in TXSB on 05/08/09 Page 16 of 35
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Case 2:08 e~' 0165G P-GW- D6Cllment 40-2 Filed C //2008 Page 15 o~ 50
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-63-
Notice #3
Exhibits Volume B
t
B-190
Case 2:08-cv-01550 p-cw Document 40-2 Filed L 1/2008 Page 16 of 50
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EXIDBITF
28 -64-

Notice #3
Exhibits Volume 8
8-191
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Notice #3
Exhibits Volume B
B-192
Case 2:08-cv-01550· t'-CW Document 40-2 Filed C J12008 Page 18 of 50
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
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17
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19
20
21
22
23
24
25
26
27
EXHIBITG
28 -66-

Regarding their Underwrifuig by Samaan & Countrywide
Notice #3
Exhibits Volume B
B-193
Case 2:08-cv-01550· Document 40-2 Filed G //2008 Page 19 of 50
. uniformfnderwriting and Transmititsummary
Addlll_ ,,",perIJ Infonn:>llon

NulW oIUn11s ......1-=-:="""='=~
Sal.. Price S 1,718,000 U
Ap..-VlIlut s 1,'118,000 7
PnlperIJ R1ghls
6!lFteSlmpla
'I.
Loun ~
MO!lQ!Rt.lnformaUoJi
Amorti:uUon Typo Loan PurpDSO
Dlaleholcl
LJonPoslllon
fiIlConvtnOonlr DFlJced.Role-Mon1lllyP8YJll'll\i5 fiIlPun:l10511 fiIlFniMorl_
DFHA OFilltd-Rolo-8lweokly Payn\enls OC85MloA Rrinanco Am..... 0/ S1lI>cIRlInIla F"lOIIlCOlg
ow. DB...... Ol.Jmlled Cesh-OuI Ralinonce (Fannie) s 11[1'4D
OUSDNRHS faARtol(lyJ>e) ...S~Y. .r,-,I.IO",-
.. _ ON<> Cash-Ou\ Rer_ IF-)
OOlhor(apor:ily) _ (11IlElOc.lni:t.ola bll!ance"" '''''1Il1inll)
OHlllIlItl/llpnl""manl OSotondt.lMgo;a
Oeon_lo Peomllllelll
No~ Informa"on MoTtgogo Orlglnlllll, BUl'dl>Wtl " SeCOfld MORgago
OriglnaILotnAmounl S 1,374,400 DSeler Dves Ov.mr oIA1$1 MarI,I;'
.!S_~6~,2~9!.i!9~.3~3t..
lnIiol P&I P/l'Jnlon'
""'11I1 NOIe Ralo S,SOO 'll o1i1I~'er
ConesPondelll Terms
faNo
_
DFlIlnleMu
o SdorJOlher
OFllIddliMac:
loMTIImI ()lmol\lhl) _..!3~6~O:lC/32!6i!!:O~ BrebtJC.....pondanl Namtllld CompallV Name: OrlginolloonAmDUIII ofFAI_g..,

o c Mort Consultan S
III Underwillln Informal/on
Al>PlaIsIl CclaIJ>tn1 ~
Property Seleneu
Prenntllouslng Poym.nt f-!3~.a~9~O~.""po"
...
B_ ~ Total ,,",p""td tIIl>IIfIlIy paymenls
Base_ s 33,333.00 $ 33,333.00 !k!m!w!!!'s PrimI..RO$I<I!!np!
othtrln_ s s -"""'P;aP&I 5 60299.33
SIlcMdMollDaooP&1 to"" ....$ 1.128,60
_cash FloW S $ HlIDId_ S 400.87
(allblod-'Y)
TotaIlrl<om. $ 33.333.00 s 33.333.00 Teas $ 1.789,68
MoltIIaae Ino....... 5
HO.'.F... S
It_ndl\enl S '1 S.. 1
: :M.oryHouoillQ EJpenst : """"'9=-:m;7S:=--::3'=8c-
...
0IlII< Oblj!!l_
r.==~ q~t'
~
1.0
10
Borrower Funds Ie> Clo.. I" ' "
R..... kod
RIsk Auesarnelll VedIladAssols
E1IMom1alUIldIlWllllnll saun:e.. F _
OAUS
Oou OLP OOlhar -'---_ _ 1Io. .. _Roo......
AUS_"ndallan 1nI!_ PIllY contrlb1IIOrIl
DU Cut IlLI.P AUS Ko,ll
LP Doc CIus lI'18dd1e) Community LondlnglAff......blo Housing InHqII.,. Dyes E2lNl>
RepJl!SlntallYo CIlldW1lldl_ S.......,723"""'--_ Horn. Buy.lSJIlornollWnorshlp Eel_lion Celtlllcota In m. DVes E1I NIl
minis
Bor/Co-B: nCO·'127 W''121
6eII",~ PAcmc MTG, CONStlLTAl'ffS Conla~ Name BECKY KUCERA

SolI.,i1ddms 700 LARKSPUR LANDIl'lG CIR. Ccn\OClllllt sa LOAN PROCESSOR
$eIIorNo.
Ie'JU[SPIJR. CA 94939
lnvesIorloon No."'
67
_
Conlad PIIone toftbor 925-242-9000
SeIll,lDonNo. COnItCI SIgnIlUrO _
MaslIrCllmrnllm.......... _
Olle _
CtmIrad No.
F.... t.lIc F_l077 0111I4

CoIylc Fonn T_UIlI..2G04.1nn 0111I4 Pagel "'1
Notice #3
Exhibits Volume B
B-194
Case 2:08-cv-01550i ?-CW Document 40-2 Filed (, lI2008 Page 20 of 50
"
.....
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·~ll>;_lbt~
.
. '
, ,~% or ~~.OfS.I":Prl ...
os' ," '.
s ''2!9 .......... (A)
, '.
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-687
:
Notice #3
Exhibits Volume B
B-195
Case 2:08-cv-01550 p-cw Document 40-2 Filed C 1/2008 Page 21 of 50
ForSBLF-EMPIPYIlDBORnOWERSOm.y l'wSEU-BIIJP'U)l'E!I BORROWEllS ONLY

If pIa..a "c: DDlI!sud,,,;u MUST nrIry tho """._ _ J"
Jl'IIl' doeaaloaIalI•• 1""7............. .
U JIIl-,.mbor DDI rdltd. yoa MIIST 1CriIjI 11m """ll)'lIImI 'Ollh l"
IdClllll\rJ"PMl1,,-=lAIitm_ Ida>rIlY J" JWlY docBmcoIroIloo usa!:
==----
' '-NIlIIlbtr====
S
~Nuao IW
fTCClttdc: fTCQ=:
DOC _
Dote:"' _
II)': DOI"l;.;:::;:;:=~:::;:;::,
By:_ .F\m....
Co"'l'l~ata7:";3':;'.I)'I=prlo::;-O:'~I.~do:-lI"I-:-- • CompIIl.3u,o pJlDrIl> d...... Aaditof •
Rev.8IBJ03
- I
Notice #3
Exhibits Volume B
B-196
Case 2:08-cv-01550 ?-CW Document 40-2 Filed G 1/2008 Page 22 of 50
Notice #3
Exhibits Volume B
B-197
Case 2:08-cv-01550 p-cw Document 40-2 Filed 0 :12008 Page 23 of 50
Plmlrwillllll30 dayI otllCllplc{~Li~ 110alIIsdllllld

• . ' , . £lIIl(dD'~lDllIbNu"',
ECK!I)oiHlDnCl! OPAtTlllltTAKEN 'OF
8 A1lo l'HOllEIlllt'BER Of CREDIT ~uwu DISClOSED OlIT1lEnOllqi •
. ' .. " . ' . '
oat.'
',0 .:"'r'. ~t~~ . ~~'\ .. ' -:: .....

•
00t. 'o't ~~.~:
Audllea.IIl/, .: .•' ';'. " . -
: ;...... r;'•• {.
d
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~
oit.,,-! ..1
'",riIGnts~
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Notice #3
Exhibits Volume B
B-198
Case 2:08-cv-01550 ?-CW Document 40-2 Filed C 1/2008 Page 24 of 50
Amerlca's&lesaIe Lender,ltselI oras agent

for CounIrJII1Il1e Bllllk, II DivisIon 01 Treasury
ISSUE DATE: 10/13/2004 Bank, NA
DATE: 10/13/2004 aunch .. OOOD93)
BORROWER: NIVIE SJlHlIAN l50 Ll/IlWlo S'lRImf lITIl 110
nil Wl\EL, Q tUOl
CASE#: lOb...., 1415125l-21Dl
LOAN I: 81731315 Ill: Fax 110.' CUSI2U...."
PROPERTY ADDRfSS: 320 S PECK DR
BSVERLY RtLLS, CA '0212-311S
LOAN APPLICAnON
DISCLOSURE ACKNOWLEDGMENTS
Application Disclosure Handbook

lIWe acknowledge receipt of the ApplIeauon DJsoIosure Iloo/deI and further acknowledge Ihe loRowIng:
AflIIlated Business Al'llIngement DIsclosure Statement
lIWe have read the AffIliated BusIneas Arrangement DIsclosure statement. lIWe understand that the Lender Is relelTlng
m&lus 10 purchase seUlement seIVlces 110m providers with which It Is alftllaled and may receive a financial or orner beneDt
as a result of !hit referral.
Servicing Transfer DbcIosure
IMie acknowledge reoelpt 01 II1e Servicing TIllIl8Ier DIsclosure and Understand /Is contents. as evfdenced by my/our
sJgnalUre(s) below.lIWe undelllland !hilt this acknowIedgnlenlls a required part of the mortgage loan applloatiDll.
Hazard Insurance RequIrements
lIWe acknowledge receipt of the Hazard Insurance Requnmenls and undeJstand thalllwe may obtain property Insurance
Itom any Insurance company that meelS the Lender's IeCJl/fements.
Notice to Applklant Reg81dlng Tille Company end Closing Agent
lJWe acknowledllO receipt of lIIe nte CoMpllJY)' and ClMIng Agent Nolloo cnd oolcot Iha foRowing option (p""",,a chaole
one):
B Agree to allow the Lender to olllertille.
Choose to select the rOloWlng Closing agent:
Name
Addres$.~--..,,---------Clty SlalEl _ _ Zlp _ _
TilJeColl1iarJY _ ..... _
Borrower's CerUDcatlon and Aulhorlzallon

lIWe acknowledge that lIwe have read and understand the sectfon dIed, "Borrower's Certification end AutltorizatIon.·
lPNe give my/our. consent to the lender to provide my/our loan appRIl8Uon Inlonnatlon to any InVBSlllr and/or Investor's
alllDlites In conjuncUon with lhe sata of my/our loan.
Nollce Regarding IRS DISClOSUre
lMIe acknowledge redelpl of lhB lAS Disclosure Nallee and understand lIle Informatiln explained In the piece. !/We cerIify
that the tax relUmssubmilled to the Lender are exaol duplicateS of those submilled to the lAS. lINe gll/e mylour e)(J)rllss
. COllSent to the Lender to communicate wfth the IRS concemlng any discrepancles and to give the lAS copies of !he tax
relums Whloh IIwe sublnltled to lIle Lender.
Consumer Handl?ookon Adjustable Rale Mortgages
If lIWe applied for an AdjUSlable Rllte Mortgage, //We acknOWledge !hal lIWe have read and understand !he section
enlllled. "What Is an ARM'/"
HUDBooklet
II//We applied for a purchase loan. IIwe have received a copy of the bookletlftled "Buying Your Home: SetUemenl Costs
and He~ Information."
Home EquIty Loans .
If lMIe applied fot a Home EquItY LIne of Credit, lAve have received a copy of the brochure tilled 'When Your Home is on
the line: What You Should Rnow About Home equity Unes of Credt.·
For Cnnd> "'• ...,.

I certlly that tile aboVIl bems we
Lender AepresentstJve:_-4'PfJ..:&:~~~~fIA:tA...Ifc"",:::=.I- ,-- _
-72-
--·OBt73737.&DD~DD2Da23·
Notice #3
Exhibits Volume B
B-199
Case 2:08-cv-01550' ?-CW Document 40-2 FiledC 1/2008 Page 25 of 50
LOAN:: 81737375 ." prepare., Gl3RUll :t1lGllAll1lK

Lender: lIae¥'ica' I Wl\olesala :Lender" it.elf or a.s ag.nt for GOOD FArrtl ESDMAIE
CDI1Dtrywid. i1aftk. " Diviaion of l'reasury Ilank, II.A. SalosPrIcr. 1. 71t. 000. 00
1Iu.1.aoJlAmDunt: 1.314.400.00
Address: 1199 North Fairfax St. St•• SOD ToIIIl'-'AmoIO\l: 1.374.400.00
Al.xandda. VA 22314 lJpeollmlll: COIN UllINSURl!D
AppIk:anlls): NX11I& SAH\J\ll Oale P"""""d: 10/13/2004
PropeJIy AddnI..: 320 S PECIt DR

BE1IE1ILlt RILLS. Cl\ 90212-9715
ll.-InIOlDmllan PfOV/ded belalll RIIecIs es1Im:rIas of lhII ....yUeS \'lIt1eh y........ 11ll.1y 10 Incur lIllhllllelllemenl of your loan. lb. lees
IJslod are ec1l1nJdu ·the aclll8l oharges nlIIY ba IftOIII or II. YourliBnsacUon may Dollllvlllvta 100 lor eY8IY IIem JtslftL
The nlllDbals JIsIed be.,. stIle_'" whIdI
Ole asIIrnaIBs ganellllly <OIIlJ!lpll1ld 10 lie I1UIIIlIIr8d Inu CJlOlIaInad In lhII HIJl).I selll<lmtnl \'OIl wID
be IIC1MnO lit sl\lkllnenL The HUll-1 Q11lomoJ11sta\J1monl.... m- you "'" Ilduol coat lor Iiams paid lIIa""'-l,
Years
Inltl8slrala 5.500 " T.""oIloen 30
Iaeo TTI9I1S PAyABLe IN COIINECnON WITH LOAN
SOl
802 $$ ' - ' 0rIgInaIbn Foe
Loonllboounl 0.000
%
%
8113 $ 000 Ap..-

80C $ 0 00 CJecltAepOll
80S S 0 no I..eocIor'$Insp«:IIon
806 S 1 ... Mcrtgage ........... App_ro.
::
809
~
S
n:
5" 00
=r.:
P_JlnOI'oI
.
810 S fill on T"" StMce - ratd ~.o, Tax lI&mc:e fZ:OV1d...
811
813
S
$
2& on
0 on
Rood Chock""_
WIrIo 7lansIa'
- l'ald Ic>. flood ' . .vtce 'roviclar
814 S 0 ng IIu\'doMI Expooo.
815 S D DO r.WlllO lU~ hit paJ.d to Ilroku br hodo. ill rang" of o-u
816 S 4 !!II ' po Undotvl:itir19 Pee
817 $ 225 ng Do.....nt Pnparation-teDd..
818 $ - 8ro~.. roes -
819 $ un M arokee Fllll ~p.&i..l
820 $ :t:t De Brokee Ceedlt IlepDtt
821 $ J3 , .. no Brot-I: 'Dint.
822 $
123 $
lup !!EMS REQIDII!!D BY LeNDERTD BE PAID I!! ADVAHCIl
0111 $ C,l13.DO _30_ _Dayo'_(!11$ 20'.10 Illay
902
903
$
$
0.00
0.00
ConvonllOlllll pMIIFIfA Up-...nt MlPNA FImdlIIg Fao
1luaJd1n......... P'.mIum
PaklCashS
FInan""'$ ====
llO4 $ D... Flood X,"Nnnco ,mot...
905 $
_IMIno.. __
11000 RESElIVES DEPOS!TED1!'!!TH LENDER
1001
l00! $$ 0,00
0.00 MoIIgogo ...._ o_MDDllla@ S
__O_Mon""lP $ ~~~O~'O~OE
0.00 Irn",,"
Imanlh
1003 S 0.00 TUGS --l!LMDD"'(!II$ 1,'''.67 ImollIh
100' 8 •• 00 TuM _ _R_NooII'@SO.OO/mcnlh
1005 S o. o. TIlXaa __ a Months It S O.D. bnanlh
1001 $ 0.00 FIoodIns_ __o_t.Ionlho(t $ o.orr llIIonIh
1007 S 0.00 AlIg1llg11/al\llalyallt\djustmol(
1110D 1l1U! CHARGES
1101 8 1.250.00 QlIslng or Eoc1ow Foe
1102 8 0.00 Abtlrzd ot'lltla S8IIIch
1103 $ 0.00 lila EumIrutIfo.
1104 $ 0,00 "lolnl\llMCDlIIPde,
1105 $ 100.00 Ilol:umanIPI8panollon
~IlOlnOlllAgOni
110D S 125.00
1107 $ O.OD
1108 $ 3,7".00 '11lJeln$ll/OI1Co
1109 $ 30 ••0 tmlrtor/£xprfJlD tAU-ClDng'
1110 S
1111 S
1121!O G9\lE1!NMEH! RI5CORIlING & TRANSl'ER C!tARq§s
12111 S 100.00 RoconlIngI'ooo
1202 $ 0 .00 CIIy/Cooxdr TulStampa
12113 $ o.M SIatl>TlIll/SIamllS
Il!04 $ 0.66
11308 ADOInONALSmLEMENT CHARGES
1301 $ 0 ••0 SuIVB't
1302 S 0,00 Pasllilapedlon
13113 S 0.06 lieU lnd Septie ~.nk Inspection rea
1304 S .,00
$ 2', lO'. •• TOTAL ESllMATED BORROWER SETT\.EIIIENT CIINIGES
"S' _loon l..... doJllll\1llDlO Ilamlo be pddbySallorINollndlldad In ~1D1aI).
·POC-L·oOJClID IlII U.... desIgoales a - ' PIlId by'" lJIndor (Nal /IlcWad In lhIIloIaI).
"POG-Il' .mlD Ill""" dI,lgoalu a cosl pald by III !lDIIowM ~ In IIIIDta1).
"1JlIIdot I8qlIJIas 11m ulOof a partbllar pIO\lder lorlllls setIlamonI.omca. S.. Bllacbed lot I\lfdIIloUIlnlOnnaUon.
fIWIINCONV
-!..~~~':':'"
.--,..., "7'l a12
-!"DOIr
----
III
·199111·
-
37375JlOlll102C410'
Notice #3
Exhibits Volume B
B-200
Case 2:08-cv-01550 p-cw Document 40-2 Filed (, 1/2008 Page 26 of 50
'IOTA\. ESTIIlATm FUNDS NEEDED Ttl CL0S2:

S 343,600.00 DownpaymOlll
• •
TtlTAl ES1IIIATm MOtmILY PAYMSIl'
$ 6,2".33 Xn1t181 Intefeat Dnly
LOAN f: 8173737~
$ 21,19•• 00 EsImolecI CIos1ng Cosls $ l,7U.S8 T_

5 ',213.00 Es1IIm1adP,.paklllo~. $ 0.00 H_aFlood'-
5 0lII. $ 0.00 MllrIgag...........
S Flnancod PMlJMIPNA Fundng Fee $ 8,088. '1 TOTAU40NlHLY PA'IMENr
$ 371,007.00 lDTAl
'TIl... eslllIlI>I.s of closlng COst!loro pn>1Ildecl p1IISllOllllo 1lIa _ Estate Spltlemenl PIoced_ Act (RESPA)." your , _ applcaUOD ~
1ot.1JIst lien """"tnllal Dlllltpge 8nc1b IlI8lIt hi. _Uon 10 p - ' - ' bolllf. tdlI\tIoMl-,-IIl 1nIo_ _ .... to..... In the
HllDSpecltllnl_ Booklet pnI1/hItd loyau by your 1000der orlllllllgtll" bro,,".
DISCLOSURES CONCEIINlIlG REQUIRED USE OFSETlLEMENTSERVICE PROVIDERS

Pan Nllmtlad chalge shDl'/l'l on pIIge 115ldenlilled wt1h D daulll. u\ellsk M. tile lender. . . . 11I. use 01 a pIItlallat pnMder oIlhet ..lItmonl
SeMca. TM eslmal9d dlarg1I shown Is b_d on lb. cham.. 01 tile doslgnaled prDVkItr. 1lnI /lIIIdIonshIp btbwln ... I.mltr tI1d lIl. selllellltni
""""doI':o
loMce JlIDY!der II IhDl tlla land... has lop.... cly u.ed IlIe HrvI<:as In Iho put. 'TIlD lender IJIIIl' cIacIcr. ID ~"cIlforonl"..,..,.,. the
IlUO-l orHUD-1A_lIIIIltgJvon to you Dhellftlllt/ll\\ill ~lllt pM\llderusecl.
Rese:rves deposited witll lender may not include a proration of taxea due seller or a
credit due from seller at closing. For proration calculations please conault your closing
agent.
DIIe AJlPIIcanI
-74-
flWYNCONII
elloodl'lllll_
2C410US/OSol)l)
Notice #3
Exhibits Volume B
B-201
Case 2:08-cv-01550 p-cw Document 40-2 Filed (, 1/2008 Page 27 of 50
"
• •
America's Wholesall Lender,lI5B1f or as agent
tor Countrywide Bank, a Division of Treasury
Bank, N.A.
Ilnn'" It OOOO~JJ
DATE: 10/13/2004 750 LIllIWIO S7lW!7 Sf!: 110
BORROWER: NIVIE s.1IW.AN lW' lIlIl'l\IIL, elL ,nD1
CASE I: PboDOl 1415)2"-2701
LOAN#: 81737375 a. Pax No.: IU5t2S9-0eU
PROPERlY ADDRESS: 320 S PECK DR
BEVERL~ HILLS, CA 90212-3715
ADDENDUM TO GOOD FAITH ESTIMATE
You havelbe rlglltlo lJeely telBClllle persoll or olllanJza1lon rellderng lnswance services (as all agell!,'broil/if or underwriter),
except Inslll'llnee or a guarantee provtded by a government agency or prlllala mortgage Insurance.
We do not require lIIat any partlcuPar provider or alfilaled group of providers be used to flIOVlde legal service, Vile exemIllaI!on
servlcea, tiIIe Insurance polJllles, or selllllmellt services. HlIWIlVer, we do insist thalllle pr<Wlder you select be approved by us.
Our des~e Is 10 ensure thallll1Y ))IOIIlde1$ of these senIIces are reputllble, knowledgable and possess tha fIIlanc:tal strength 10
support llIIY olalm agelnslthll til/e 10 PIll/>8rIY you are ollarlng lIS SBaJrlly for litis loan.
We ere IIlIllIaled wllh landSale nle, a provider or tille lnsunmC8 and DIos)Jg servk;es. Underfed.rat h1w. WlI may not require
you III use 1Ile services of Il.s alI1ltaIed companies. You are lree ID selllet the seivlce provlcler thai best sulla yDur /ll!ads.
It Is lmpDrtanl1hat We Insunmce and seWement services be conipleled In a timely manner. Acoordl"llly, as $OOn 8Il you have
slgnee! a pulChaSB agreement or have completed a mor!ge!l8 loan "PPllcation. you should c:ltoosa a Ilde 1n&UJer ane! DIoser.
Plena usethll allachee! form 10 designate your IilIe Insurar and closer. so that IVB mayVBflly IIPprDvai.
-75-
III
'23811'
_II
'081737375000002C807'
Notice #3
Exhibits Volume B
B-202
Case 2:08-cv-01550 ?-CW Document 40-2 Filed G //2008 Page 28 of 50
• •
Amertca's WhDlIisaIe Lender,ltseIf or as agent
for Countrywide Benk. a DivIsion of Treasury
Bank, N.A.
DATE: 10/13/2004 Bnn<:l> . , 0000"3
BORROWER: NIVIE SAHlIAN '50 LDlllAltD 871\1!£T n£ uo
!WI JUnIlL. CA 'U01
CASE#: !'hDne, 1415125l-2'01
LOAN': 81737375 e. r... 110.' 1415175!l-0866
PROPERlY ADDRESS: 320 S PECK DR
BEVERLY HILLS, CA 90212-3715
SERVICING TRANSFER DISCLOSURE

NOTICE TO ARST LIEN MORTGAGE LOAN APPLICANTS: THE RIGIiT TO COlLECT YOUR MOfl'TGAGE LOAN
PAYMENTS MAY BE TRANSFERRED. FEDERAL LAW GIVES YOU CERTAIN RELATED RIGHTS. IF YOUR
LOAN IS MADE, SAVE THIS STATEMENT WITH YOUR LOAN DOCUMENTS. SIGN lliE AOKNOWLEDGMENT
AT THE END OF THIS STATEMENT ONLY IF YOU UNDERSTAND ITS CONTEtITS.
eecause you are applying for a mortgage loan covered by IIle Real Estale 8etlIement Procedures Act (RESPA) (12
U. S. C. Section 2601 et seq.), you have certaln rights under that Federal law. This slalement tells you about IIIose
rights. It also teBs you what IIle chances are IlJiItlhe servicing for this loan may be transferred to a dllferent loan
selVlcer. °SeJVlclng" refers 10 collecting vourprlnclpal, Illlerest and escrow accounl payments, 1/ any. If yoIII' loan
servlcer changes, lhere are cortaln procedures that musl be folGwed. this statement generauy explains those
procedures.
TRANSFER PRAOTICES AND REQUIREMENTS
"tile servicing Of your Loan is assigned, sold, or translerred 10 a new servlcer, you must be given wrilten' notice of
d1al IIDIlsrer. The presem lOlIIl selYteer IIlU$l seoo you IlOllCe Ul WIlong 01 IRe llSslgnmem, SlII8 or rransrer or U1&
servicing not less than 15 days beJorllthe effective date of the transflll'. The new loan servlcl!r must also send you
notice withln 15 days alter the eIf8Illive date of the lrarlsler. The present servlcor and the new servlcer mllY combine
this 1nI0llllalion In l»19 noIIce, so long as the noUC9 Is sent 10 you 15 days before lIJe effective dale of the 1ransfer.
The 16 day period Is not app50able If a notlce of pmspeolive transfer Is pI'Ovlded 10 you at seltlement. The law allows
a 119111}' In the time (not mom than 30 days after a transfer) for servlcers to nolily you upon the occurrence 01 certain
business emergencies.
Nellces must conlain celtlin Information. They must contain the eIIeCllvIl date of the lril/lSler of IIle servlcin(J of your
loan to the new eervlcer, the name. address, end IOII·fl'8ll or codeel caD telephone I1Jmber of the new servlcer, and
tol.free or colleot oaB telephone numbera 01 a person or dllpeltmenl for botll your present servlcer and your I\IlW
servk:er to answer your quesU0n9. During the 60-elay perod following the efleetlve dale of the transfer of the loan
servicing, II. Ioen payment received by your old selllicer before lls due date may not btl traIlled by the new loan
servlcer lIS late. and aIatu fee may not be Imposed on you.
COMPLAINT RESOLUTION
Section 6 of RESPA (12 U.s.a. Section 2605) gives you certain consumer 1ig1lts, Whether or not your loan serv/clng
Is transfeIred. If you send a °qualllled WIillen raquest" to your selVlcer, your servlcer must provide you with a written
adulowledgment within 20 buslnBSS days or receipt of your request. A "qualllisd wrilten request" Is a wrllten
correspondence, other than notice on a payment coupon or other payment med/llm supplied by thll servloer, whlch
includes your name and IICCOUnt I1Jmber, and the informallon regarding your requesL Not later than 60 business
days BIter rec&1YI11g your requll8t. your servlcer IIlU8l make any appropllBle COrrectfClll8 to your account, or must
provide you with a written cIarifIcaIIon regardlng any dlspute. During this GO-business day period, your servlcer may
not provide InlDnnaUon to a consumer reporting agency Cllncem!ng any overtlue payment ralBled to such period or
qualiIIlld wn1ten request. Our address for tpJaIfIed written requests Is:
Loan Sen1lc1ng center, Attn: Customer Service SVB-314, P.O. Boll 5170 , Simi Valley, CA 93082·5170
A Buslneaa Day Is any day In whlch the offices of the business entity arB open to the public for cerrying on
sUbslanlially all of lis business funcllons.
DAMAGeS AND COSTS

&roliOR Cl or RI!SPA BISo prllVkJes ror damllgea and COl;!ll lor IndlVlUUals or ClilSsel; or IntllVklUalS In etreumlllanCBS
Where aervlcera are shown to have v'olaled the requirements of that Section.
Atm_
• SoMdnlIT....'lllodal..._
2OIt7.\1S C07llXllldl P0801012
-76-
III
·23981·
--·0117373710000020187'
Notice #3
Exhibits Volume B
B-203
Case 2:08-cv-01550 p-cw Document 40-2 Filed L //2008 Page 29 of 50
•
SERVICING TRANSFER ESTIMATES BY LENDER
• LOAN 9: 91737375
1. We presently intend to asaign, sell, or tl:lUISfer the servicing of your mortgage

lOilD. You will be informed about your sexvicer.
2. For aD lila first lien mortgage loans that we make In Ih& 12-montll perloll after your mortgage loan Is fundlld. we
esllmale lIlat the percentage of such loans for which we wm Iransfer seMclng Is between:
o 0% to 25"4 0 28% to 50% 0 51% to 75% l!J 16% 10 100%

Ibis estmate does include assignraents, sales or transfers to affiUates Dr
subsidiaries.
This 16 only our besl esUma1e and It is not bInlIIr1{J. BusIness condRlons or otI1er tIrcIlmslances may affect our
future transferring decisions.
3. We have previously &8819ned, lIold, or transferred the servicing of first-lien

_rtos",,, loans.
ACKNOWlEDGEMENT OF MORTGAGE LOAN APfUCANT
lJWe have read Ihls dIsclosure form, and undelBtand lis conlDnlll, as evidenced by my/our slgnature{s) below. l/we
undetsland tha/1I1Js acknowledgment Is a required PBIt of the lIlOJlgage loan appllcaUon.
8onowe: NIVIE Sl\MAl\N
-77-
Notice #3
Exhibits Volume B
B-204
Case 2:08-cv-01550' )-CW Document 40-2 Filed G //2008 Page 30 of 50
.•
TRUTHIN LENDING DISCLOSURE STA "JIllENT PIIIpatodbr-GeIW.DINGIWW./
(THIS IS NEITHER A CONTRACT NOR A COMMITMENT TO LSND)
LENDER:AmeriCil's \iIl)olesale Lender, itself or as agent for
Countrywide Bank, a Division of :treasury Bank, N.A. I!JPIIlIlmlnll/Y
OFlnsl
1199 NO~h Fairfax St. Ste.500 DATE 10/13/2004
Alexandr>.", VA 22314
BORROWERS: NIVIE Sl\KMN LOAN 81731375
CASE NO.
1yPe of Loan CONY tlNINSURED
HC 5/1 LIBR ANI
ADDRESS 1227 1/2 S ALFRED STREBI Interelll:Only
enY STATE/ ZIP LOS ANGSLES, CA 90035
PROPERlY 320 S PECK OR
ANNUAL PERCENTAGE FINANCE CI1ARGE Amount FInanced Tola/ of Payments

RATE The dollar amount the The amount of ci'edit The amount you wID halle
The cost of your credit credt wll cotl you. proVIded to you or on paid lIIleryou have made
as a yearly rste. your behalf. aI paymenla as soheWllid.
e 5.162 % $ e 1,376,676.35 S e 1 351,992.00 S e 2,728,668.35
PAYMM SCIlEilULEo
NlIMlIEA OFPAYMENlS AUDlINf OF PA"IMENlS WHEIf PAYMSmIAREDUe

e DU e b, ;,:~,.~~
HON7BLY BEGINNING 12.01/2004
e 299 e 7,835.69 HONTBLY BEGINNING 12/0112009
e 1 e 1,837.24 LASt PAnlENl' DUE 11101 .2034
DEMAND FI!ATURI!: [j[J ThIs loan do.. nol have a Demand Fe...... o 'II11s loan hIlS a Demand Fo_ ..10..,.,.:
VAIllABLE RAT! fEATURE:

[!] 'ibis Io8n h... It Vorlablo Rale Feolura. Variable Rata Disclo..... hllYlt bean provldod 10 YO. -'or.
SECllIIITYI Vou aID giving It ",curtly InIon>sIIn Iho pmpmly Iocalod at
320 S nat DR. ~y HILLS, CA 90212-3715
OOMPTIONI 8 0 _ blJwInglhJs pmp8lty 0 CIIlIIII>I_lI1a~g ........ dUo undIrOllglnllllllDfVlgalorrna
""" _ , aub)ecltD 1.Jll1e~. CDnd!lIan.. "'alOllllllnlng ............ undwClllplllllGllgall" IennL
PROPERTY lHSURANct!l Hazanllnsun>nce,lncludlng BlIDIIlnsUIanco r Iho pmpolly h In .. SPDdat FIoDd HIlzBnI Ma. Is IllqlI1rocI III ~ COIldlIIon of this
101... You IIlDY DblDln tho ....""""' ......1lJaVO f..... 1IIlY I n t _ compllllY IICCOplabIo 10 tho IendlIr. eomp.. dIIIlllls _ ........9Inslm1nco 191I11I,_
wi. ~ JlIDI4ded ptIDr1D lelan doling.
lATe CHARGESI Hyour po!JlIIIlItll> _1IlaJ> 15 days Io\e, Y<lU will ... chlugod Q""" oIwgo '" 5.000,.,oItIIe
Dvonl1Je p3YIIlIIII
_l'MENT,,y/_fMt'''''''_MM~;_
B: Ifj\'l....llnol
nlll
....010 J>iIl' 0 ponally.
be ontlledlo a , _'" pili altho tlnanto chllfll"
SIoyaur CDIllnlcl daClllllonts for allY adlllUOIlIllntQlIIIII1lan Te!lonllng non-poymOllI, dol8llll, requltad rapDyIlWIlln tun bDfolD """"d11lod dille,
IIlld plllpayrnltllrelUnds ••d _lll~
om..... 1ICIIlmIbI
UWollnby ltI:l<nowIoclgel1lOdlng IIlld .ecoMl1g ItCO~ copy of 11I11 dIsclo.oro.
BORIlOWERIllAlE
~1a12
-18-
'23881"
Notice #3
Exhibits Volume B
B-205
Case 2:08-cv-01550· ':J-cw Document 40-2 Filed L 1/2008 Page 31 of 50
•
DEFINmON OFTRUTH·JN·LENDING TERMS
• LOaN . ' 81737375
ANNl!AL1'BJtCEN'!'AGB RATE
ThIs IS not the Note rale lor which the borrower applied. l1le Annual PercentalJe Rate (APR) Is lhe cosl of the loan in
pBrcantage terms taking Into account various loan charges of whfcllinlereslis only one such cIlarge. OIhllt aharges
which are used in aBIcUlallon of tile Annual percentage Rate are Privale Mortgage Insurance or FHA MolIgage
Insul'lllll:8 Pnlmlum (when applicable) and Prepaid FInance Charges (loan discount, orlglnatlon feet, pepald Interest
and olllar credit 00$1&). The APR Is calculated 6y sprsadlng tIlese chlllOes over tile Ufe Of the loan wNcit resuI1s in a
ral& hlgller than tile Inlllrest rate &hawn on your MorlgegelOeed of Tills! twle. If Interest was tile only FInance C/large,
then lhelnteresl rate and the Annual Percanlage Rate would be the same.
PREPAlD PlNANCE CHARGES
Prepald Finance Charges lIJ'a certein aharges made In aonneolJon with the loan and whlcb lIlU9l be paid upon the
close of the loan. These challJeS are delined by the Federal ReselVa Board in Regulatfon·Z and tile charges must b9
paid by the borrower only, and nol the seRer If appIlcabla. Non-lnafuslve llll8mp!es of suell cIlargea n: LoaiI
orIglnaHon tee. ·PoInIS" or DIscount, Prlvate Mortgage lnsurancB or FHA Mortgage Insurance, Till! Selvlce Fee. Some
loan oharges are specIIIcally exclUded rrom the Prepaid Finance Charge such as appralsalleas and credit report fees..
Prepeld FInance Charges are totaled and then subtracted from tile loan Amount (the face amount or the Deed of
TRlatlMortgage Note). The nell/gore Is the Amount Financed es 8lCJllained below.
lJNMCE CHARGE
The amount of lnterasl, prepaid finance chalge and certain insurance premiums [If any) which tl» borrower will be
ellpecled to pay aver the (He of the loan.
AMOUNT FINANCED
'rhe Amount FInanced Is the loan amnunt applied lor less the prepaid finance charges. PrapallI tinance eII~rges can
be foImd on the Good Faith EstImate. Far example lithe borrowsr's note Is for $100,000 and tile Prep8kI FlIIance
Charges Iolal $5.000, the Amount Financed would be $95,000. The Amount Flrlanced Is the figure on whkllI tile
Annual Percentage Rate Is based.
TOTAL OFPAYMENTB
ThIs lIgure represenls the total of all payments made IllWaI'd principal, interest end mortgage Insurance (If appllcebJe).
fAnmNr SCBEDDL:E
The dollar figures In !he Payment Schedule represent prlnoJpaI. InIeresI, pm Private Mortgage Insurance ~f
appIIoable). These figures wDl not relIecI wes and Insurance escrows or any temponuy buydown payments
aonbibuled by the seller.
-79-
Notice #3
Exhibits Volume B
B-206
Case 2:08-cv-01550' ?-CW Document 40-2 Filed C 1/2008 Page 32 of 50
DATE: 10/13/2004
• Sank,NA
•
America's Wholesale Lender, Itself or as agent
fOl Countlywld,l Bank. a DIvIsion ofTreaswy
8rA.OcIl I: ODOOU3
750I.tNllAilD S7I\E2Y '7£ 1.10
BORROWER: NIVl& S1lMAAN SJIIl 1<AF1lE1o. 0. ~"D1
OASEiJ: Phonel 14151257-:/101
LOAN#: 81737375 ar Fax No.: (415)2U-ODn
PROPERTY ADDRESS: 320 S PECit DR
BEVERLY BILLS, ~ 90212-3715
ITEMIZATIQN OF AMOUNT FINANCED

1. Loan AIIIOIJIlI 1,3"14,400.00
2. Pmpald FInance Charges:
Orlglnallon Fee 0.00
Dlseounl PoInts 0.00
Tax Service Fee 60.00
Proeesslng (UnderwrilIng) 0.00
PrepaId Interesl r 2L days)
Of % per annum 6,213.00
Morlgage Insurance Premium 0.00
Mortgage Insurance Impounds IUD
Warehousll Fee li.oo
VA FundIng Fea 0.00
FHAUFMJP 0.00
Buydown 0.00
Underwriting Fee 490.00
Broker Points 13,"1U .00
Courier/Express Mail-Clang 30.00
ClosiDglEs~lI 1,250.00
Flood Check Fee 26.00
proceasing Fea 595.00
TOTAL 22,408.00
3. Amounl Financed (1 minus 2) 1,351,992.00
lJWe hereby acknoWledge reading and recsMng a cornplelDd copy of this dlsclosure.
-
1lIVIr; 5~
-
-SD-
--'0017373750000020120'
Notice #3
Exhibits Volume B
B-207
Case 2:08-cv-01550 p-cw Document 40-2 Filed (,
- 1/2008 Page 33 of 50
DATE:
BORROWER:
CD-BORROWER:
10/13/2004
NIVIEl Sl\MAAlI
• AmeriGB'.oIes8le Lender, Itself oras agenl
for CounIJywllte Bank, a DivisIon of Tl8IIsury
Bank,N.A.
Brancl1 ,: 0000'33
750 LtNDllIll> S%JI££% o:re
SAIl IlU'AlIL. l:A !It '01
110
CASE#:
LOAN#: 817313i5
,ben..
a,f
lt151257-2701
PaM )lD.1 rnS)25t-D8'6
PROPERTY ADDRESS: 320 S PBeX DR
BEI1BRL~ BILLS, CA 90212-3715
AMORTIZAnON SCHEDULE
PlIl'P4Y1lI!NTPIUKClPA!.INTERESTBAUHCE PMrPAYUeHrPIIIHCD'AI.1NIZJIBT8A1ANCl! PIlTPAYMl:NTPIIlNCI'A!.INII!AESTBA1ANcE
B·91nnlllg U.374.400.00
Il;>lout.OI 72 1835.n 2501.74 5335.9SU'50n.51 U5 7835.U 5351.23 4fB•• Ull2'SI5.'2
Intor."" Ilau I 5.500t " 7835.61 2511.55 532'.041342509." 147 7835.61 3364." 4471.20I126201.U
1 Ut9.33 0.00 5299.331374400.00 7' 7U5.U 2521.$9 53lt.l0133"1'.37 UI iU5.0 "77.11 IC57.811U2823.S2
2 52".33 0.00 6299.331374400.00 75 7835.n 2531.57 5301.121337455.80 14' 7U5.n 33Pl.1t .....51111'432...
3 529P.33 0.00 529'.33137"00.00 75 7835.19 2511.59 $2'4.101334'15.21 1507835.61 3404.60 .IJl.09IllS027.8.
4 53".33 0.0052".331314400.0'" 7835." 2551.15 5284.'U3323n.5& 1511835.59 3418.0' 4417.511112509.75
5 5U9.33 0.00 5299.33137UOO.00 78 7835.59 :1551.75 5213.'41329801.11 152 1835.n 3431.51 4401.011109178.15
512".33 8.00 62".331319400.00 79 7835.n 2511.89 5253.80132722'.n 153 1835.59 3..5.19 "'0.581105732.91
7 &291.33 0.00 62t9.3313H'00.00 VI 1815.n :U82.07 5253.621324647.85 1St 1855.59 3458.83 4376.811102271.13
8 1299.33 0.00 5.'!99.331374400.0o 81 1835.n 2592.2' 5249.401322055.51 155 1835.1t 3n2.52 4313.171098801.11
• 62".33 0.00 &299.331114400.00 In 7835." 2682.59 52U.lnn'U,.01 lSS 7855." 3415.21 019.421095315.34
18 1289.33 0.00 12".331374fOO.00 83 1835.19 2512.81 5222.83131IUO.15 157 7835.59 3500.07 <'15.6210']81'5.21
11 129'.33 0.00 5299.331374400.80 8. 7815.1t 2523.20 5212.4t1314216.tS 158 7855.19 3513.92 4121.711088301.35
l2 1299.31 O.DO 12".3313'..DO.08 85 1835.1' 26J3.58 5282.111311&85.17 15' lU5." 3521.85 tJ07.8&1084713.52
]312".33 0.00 &2".331314480.00 IS 7835." 21".01 5101.11130883'.35 lSI 7835.19 3541... 1293.'01011231.71
H 62'9." 0.00 5299.331374400.00 81 7855.n 2U'••7 5181.221301284.89 III 7835.65 3555.81 4279.881077175.'2
15 52'8.33 0.00 62".3311144DO.00 85 70».59 21U.,8 517D.71130,.19.81 162 7135." 35&9.19 6215.801074101.83
16 62".33 0.00 62".331374100.00 It 7135." 2575.53 5350.1&1300'44.38 153 78'5." 35U.02 1251.&71070522.01
l' G.:!~'.)3 o.e. ca.~"'.»a.:nt1lDo.. " ~C' 71);):; .. G' aG04.. 11t ZOUD.S71a0D2GD.2:G Gi 703S.GS ,:)5aO.II1, .. ~') ... t:lOGGtN ••O
11 5299.33 0.001299.331174480.00 n 7135.It 25".75 5138.'41295561.51165 7835.1t 351Z.45 4223.241013311.35
15 52".33 0.00 U".33137.400.00 92 1835.59 2707.43 512'.25129285'.08 15i 7135.5' "2S.75 4Z08.UI05"".50
20 62".33 0.00 SZ""31374400.00 93 1115.59 2n8.It 5117.5512"'135.94 117 7135.59 3541.11 UU.58106"4J."
21 IU'.33 0.08 6299.33137.'00.00 PI 7515.0 2728." 5106.191287'01.04 58 "35.n 3555.52 4180.171052387.91
221::99.3' 0.00 62".331371400.80 95 7835.5' :1739.70 5U5.95U8U67.Jt 69 713~.69 3569.99 tl55.'010Ul17.aa
23 5U'.33 0.00 1299.331374400.00 96 7835.S! 2750.55 5085.141281516.78 170 7835.59 3584.51 4151.181lJ.t5033.47
14 52".33 0.00 5199.311374400.00 "'835.19 27&1." 5014.25127'155.35 171 7135.69 "99.10 4l3&.5910U33t.37
2562".33 0.00 6299 • .lJIJ74~00.00 98 7835." 2772.37 50SJ.32U75582.98 172 '835.69 3713.74 4121.951037520.63
2S 1199.33 0.00 1199.331374'00.00 "7835.19 2783.3' 5052.35127359'.11 173 7135.69 3728." 4101.251033892.1'
21 5299.33' 0.00 62".331371400.00pOO 7135.19 Z78f.35 5041.331270805.:21 J174 7135.69 3743.20 4092.491030148.99
28 1299.33 0.00 5299.331374400.001101 7835.U zeOS.f2 5030.111257",.85117' 78lS." 3758.02 4071.671021390.97
2' 1299.33 0.00 &299.33lJ7f'00.00 102 7I15.sa 28lS.52 5019.111215183.3' 175 '835.69 3772.89 40i2.801022518.08
30 52".33 0.00 nn.J3137UOO.DD 183 7835." .2827.57 5008.02126USS.57 117 7835.69 37n.83 4017.81101"30.25
11 12".33 O.OD 62".331314400.00104 7835." 2838.87 4995.821259516.80 178 7135.69 3802.82 4032.871015027.43
52 &2".33 0.08 6289.351171400.0011057135.58 2850.10 4985.5t125J6n.70 "7835.69 31n.87 1017.82101120'."
336299.33 0.80 5299.131174100.00 lOS 7135.58 .2861.38 4574.111:153805.32 UO 7835.69 383.2.99 400.2.101007371.57
54 62".33 0.00 629,.331314400.00(101 11J5.it 2872.71 4962.181250932.51 181 1835." 3148.15 3'''.531003528.43
35 62".31 0.00 5299.331374400.001108 7535." 208'.08 49Sl.SU24B048.53 1112 1835.69 38&3.3' 3972.30 89"55.0Z
31 5295.33 0.00 6299.331374400.00\109 1835." 2895.50 49'0.1'1245153.03 U3 7835.&9 3871.18 3957.01 995186.34
17 62".15 0.00 521,.331374400.80/110 7U6." 2S06.9I .,28.731242215.07 84 7835.S) 3894.04 )tU." 9f1892.30
38 5189.39 0.00 12".33137.400.00 III 7835.89 2nl.47 4917.2.2123"27.50 85 7US.5' 390'.45 9921.2' '87882.15
39 1289.33 0.00 12".331311400.00 12 7835.89 2130.02 U05.n1231397.51 86 7835.69 3'2'.'2 3910.17 181057."
40 6299.33 0.00 5299.331311400.00 13 7U5.59 2'U.62 '89'.071233455.95 87 7135.69 n40.45 38'5.23 980111.47
41 1289.31 0.00 5291.33137f400.00 14 7835.55 2'53.26 4882.131230502.70 188 7835.U 3955.Oi 38".13 875161.41
.2 12".33 0.00 6298.331311400.00 15 7U5.it 2964.15 4B70.7412a7S;I1.7S 189 7835.13 3971.72 31153.97 97211'.59
43 62".33 0.00 5299.331314400.00 11 7815.n 2'75.59 485'.801224561." '0 1835.13 3'87.44 9148.25 ,sa202.25
H 6299.13 0.00 6299.331311100.00 17 7815.U U88.47 4847.221221572." 11 7835.19 t003.22 3132.47 11It199.03
45 11".33 0.00 5299.331374400;00 11 7835.1' 3000.30 4835.391211572.2' 92 1I35.U 4019.01 3116.11 'SOl78.'6
4S 6289.33 0.00 '1».331374400.08 U, 7835.U 3012.17 4823.52Ul5550.12 93 783S.U 40U.98 3800.71 '56144.88
47 12".33 0.00 129'.331314100.88 20 7815.n 102'.10 4111.591212536.02 "'835.61 4050.'5 3714.74 9520'~,03
48 6211.33 0.00 1299.331314401.08 n 7U5.1t 3036.01 "".12120''''.95 IS 7835.61 1016.98 37".71 848027.05
49 62".33 0.00 528'.331374400.00 12 7135.6' 3048." .781.60l2OU51.86 n 7U5.n 4081.08 1752.51 '43'.3.97
50 62".33 0.00 129'.33131.400.00 23 7835.59 30SO.15 4775.S4U03391.71 187 7835.69 f098.25 3136.U 939844.72
51 &289.33 0.00 4299.331374400.00 74 783S.89 3072.21 47U.tJ12003lJ.4S I" 7835," 41U ••7 3720.22 13572'.25
52 6299.33 0.006299.331".400.00 257835.59 3DB4.43 4752.261197.235.0299 7835.61 4331.75 3783.93 931597."
53 1299." 0.00 6299.33137"00.00 225 7115.89 3098.53 4739.811114131.39 00 '135.69 4148.22 un." 121449.37
54 6298.33 0.80 5299.331374400.00 27 'Us.I' 3101.18 1726.1011'102'.50201 1135.69 41&1.54 3571.15 823284.13
55 i299.33 0.00 1299.33137"00.00 128 7831.031:11.20 fl14.1911'''08.)0 02 1835.&9 4111.02 3654.67 '19103.81
sa 1299.33 0.00 5299.33137"OD.00 12' 7835.59 3133.55 flD2.1'118t714.15 203 7835.&9 4117.51 363'.12 914901.24
37 6219.13 0.00 1299.»137"00.00130 1855.S! 3145.?6 "89.131181128.11 204 7835.&9 '21'.19 3521.50 '10&92.05
5. 1299.33 0.00 1299.331311400.08 131 1835.19 3158.11 till.211178418.31 05 7835.59 42.10.87 3501.82 905481.18
59 1295.33 0.00 '299.33137.400.00112 78JS.0 1170.91 4554.7811152"•., 05 7835.U f247.51 3588.08 902.213.57
50 12".33 0.00 12".331374400.00 133 7835.59 3183.46 ..t651.2111'2116.01 207 7835 •. , .UO." 3571.U """.14
Intuoot Rlt. '4. 150t 154 7835.69 319&.01 46".1311689]).95 20. 7835.&9 4281.31 35st.31 19n67.83
61 1135.0 2395.36 5440.33131200'.54 US 1835.69 3201.72 4626.971115711.23 209 7135.&9 '2".2' 3537." 88"".58
52 78)5." 2404.84 5130.851369599.8G 136 1835.&9 3221.42 4'14.271152'89.81 ~~O 7835." 4315.27 3520.42 885054.31
53 7835.&9 2414.35 5121.331367185 ... 137 7835.59 323'.17 45Dl.521159255.S4 211 1815.&9 U32.U 35G3.3. 180721.1&
54 7U5.1t 2.23••1 5411.781364111." 138 1855.11 3245.17 4581.72115500I,S7 12 78)5.59 1348.50 3Ui.l' '75312.45
IS 7835.&9 2433.51 5402.181362328.02139 7835.69 3251.82 4515.871152118.85 ~U 1835." 1311.12 3'50.97 872005.74
IS 78U.n ~4U.14 5JJ2.5511581... 88 140 1835.11 J279~3 4512.)&U49476.12 2It "15.&9 43".00 31S1." 857521.11
57 1835." 2452.11 5382.88115"32.01 U i855.U ,~Jr'550.011146110.f4us '8U.59 4401.35 3134.34 '11220.3'
" 1830.19 2452.52 5313.171331161.55142 7835.59 3:191.18 tSJ7.0Dl142891.75 215 7815.59 4418.78 341'.91 8sa801.ll
59 7U5.&9 2412.Z7 51&3.421352'''.21143 'U5.5' 3111.74 4523.95113958&.01 217 7835.11 4131.17 3399.42 '5USS.S4
70 1135.51 2182.05 5353.1413SDClS.23 44 7835.59 3324.15 '510 ••11151255.11 118 7835.89 "$3.13 3311.86 UJ911.51
71 1815.59 .2411.81 5343.811347523.35 US 7U5.59 3331.81 "97.611132917.15 218 lU5.59 4411.46 33st.23 845440.05
Page 1012
Notice #3
Exhibits Volume 8
8-208
Case 2:08-cv-01550 p-cw Document 40-2 Filed t !/2008 Page 34 of 50
DATE:
BORROWER:
co-eORROWEfl;
10/13/2004
NIVIE SAMl\AN
• Am&r1ca'&OI8Sllle Lender, Itself oras egenl
for CounltyWlde Bank, a OlVlslon ofTleasury
Bank,N.A.
Bl:llIICll .. 0000U3
750 LINDUO S7lI!eY AU no
51011 1lI\FNU., ClI 94 tol
CASE': 'bone. '(15125)-2701
LOAN#: 81'737375 B~ 'ax 110.1 1415125~1"
PROPERlY ADDRESS: 320 S PECK DR.
BEVERLY HILLS. CA 90212-3715
AMOffTIU SCHED E
PI&TPAYMENTPlIHClPALIIIT'£IlESfItALANc;& p'lrPAYIoIIilrrPIIIIIClPA\,INl1iIIESrItAUlNCll YIIP_PlIINCIPALIIIII!Jl!lITIALAIlCI!
220 1835.69 4489.16 3346.53 840950.11 at4 7835.it 60U." 1022.21 U4334.76 - . &lMWlY
2211135.6t 4506.13 3528.7& 83&443.562" 1135.0 GOn.n 17... 41 448157.48 ¥a'AntI!II1' IIIIEUS'I IllILUll!E
222 7835.6' 4524.77 3310.n nUn.l' 256 1835.69 6061.18 1774.51 442236.30 91nat1lv BalaD..., U.374.400.00
2Z3 1835.U 45'2.50 32".01 827316.51297 7US.it J085.17 1750.52 431)51.13 1 7SSSl.ts 7SS91." 1374400.00
2U 1835.6f (S40.U 3275.03 822815.85 298 7135.S' 610'.26 1721." 430041.87 2 7SS51.56 7SS91." 1374408.00
225 7835.69 4578.71 3256.'8 Ilt237.14 2U 7U5.69 6133.441702.25423801.43 3 ?SUI." 75591.'81374400.00
22C '835.6' U".8) 3231.86 813'40.31 30ll 7835.0 6157.n 1677." 417750.71 4 75591.91 75591." 1374400.08
227 7835.U 4615.03 3220.66 10'025.2' 301 7915.0 6182.09 1651.'ll 411568.82 5 755'1." 75551 ... 1374400.00
2287835.59 4613.30 3202.39 804391.'B 302 1835.01206.56 16U.13 405362." ~ 94028.28 64549.19 1315021.61
U, 7U5.U 4131.6' 3184.05 7"7'0.34 303 1835.U 62.n.n 1604.56 3"130.93
2307835.69 '670.05 3ln.l, 7'5070.29 304 78U.69 6255.BO 1579.19 39217'.13
7
8
94028.28
.402B.2.
63223.62 1314216.'5
61728.U 1281911.1t
231 , . " . " Un.5' 3147.15 "0381.15305 713!.&I 6280.561555.13 3BCS.I_57 , 94028.2' 50160.02 1241611.51
232 7835." 4707.10 3128.51 785"4.&5 06 7835.S' U05.42 1530.27 3B028'.U 10 94021.28 50515.77 12U53'.02
233 7B15.69 4725.73310'.'6 700ltl.n 307 7835.69 6330.38 1505.11 373958.71 11 9402'.28 5"91.73 1175219.47
23. 7835.69 4744.43 3091.26 7712'4.49 308 7835.69 6355.44 1480.25 367603.-'3 12 9'0:18.28 '''83.97 113&25'.15
239 7835." '763.21 3071.48 771441.2B 3097135.0 nen.s. 145'.10 381222.74 13 94028.2& 51081.4' 10"115.34
2357835.&1 41t2.07 3053.12 766"'.21310 7B35.69 6405.85 142'." 354816.89 14 .4028.28 51100.'1 1052387."
237 7835.69 4801.M 3034." 781858.21 11 7835.69 6431,21 1404.48 'lt315." 15 '4028~28. "016.88 1007376.57
238 7835.&1 4820.00 301S.n 75703B.21 312 7835." 6456.66 137'.83 341929.0Z 16 94028.28 46831.67 960179.95
23' 7835.&1 4839.0B 2'''.61 752199.13 113 7835.69 f4B2.22 1-153.47 335441.80 17 84021.28 44540.37 910592.05
2401135.&1 '858.21 2"7.45 7"340.89314 7835.69 IS17.n 1327.81 321938.92 18 94028.28 42U7.84 851801.61
241 7835." 4877.47 2958.22 742463.42 15 7835.69 &533.64 U02.0' 322405.28 15 "028.28 39618.65 8O«391.,B
2427035.&9 48".77 2938.'2 737566.65 3)6 7835.&1 1559.50 U76.1' 315845.76 20 9402...28 31"7.19 747.1'0.19
243 78:1$.&5 '916.16 291'.53 732&50.41 311 7835.59 6585.47 1250.21 30'260.31 11 94028.28 34207.47 587520.01
244 7B35.&5 4935.62 :UOO.07 727114.07!I8 7B35.6f 6611.53 1224.1& 301st8." 22 54028.28 31303.32 624795.12
2457815.69 4955.15 2BBO.5' 722751.72319 7835.69 8637.71 U97.9B 296011.07 23 98028.28 28258.14 555024.98
24' 7835.&5 ."4." 2110.92 717784.953201835.69 '''3.'81171.71269347.09 24 94028.28 25065.15 4900n.85
2477835.69 499'.44 2'41.23 712,,0.n 921 7U5.19 ,,'D.'8 1145.93 282858.73. 25 9102'.28 21717.14 417750.71
248 7U5.69 SOU.23 2B21.48 70777'.21 322 7US.C9 6711.84 1118.85 275139.85 2& 94028.2B 20201.59 34UZI.Ol
241 7835.69 5034.08 2101.61 702742.lt 323 lB35.69 6743.43 1092.2& 2U1U.4ti 27 '4028.28 14525.60 :tlZ426.34
250713.5.068 5054.00 2781.69 6876B8.18 324 7835... 6770.12 10&5.57 252421.34 28 94028.2B 10665.92 1"053.98
251 78lS.n 5074.01 2161.68 6926U.17 n5 7835.69 6791.92 1038.77 255829.42 29 St028.n 6618.84 5U54.54
252 7835.69 5094.0' 2741.60 617520.98 326 7835.69 6823.12 1011.17 268805.'0 30 94029.83 2375.29 0.00
253 7835.68 5114.21 2121.43 &82405.82 27 7815.&1 6850.83 .... n 241954.77
254 781'.69 513'.50 2701.19 677271.n 128 7835.69 6877.95 957.74 235'75.82
2557135." 5154.82 2680.17 672116.50 at 7135." "05.18 Uo.51 22tl71.54
2" 713'.69 5175.23 21110.46 ""91.27330 7835." 6932.51 '03.11 221239.13
Z57 7835... 5195.71 2639.98 661745." 331 78!S." 1959.15 87'.74 214271.18
258 7835.59 5216.28 261'.41 65iS21.28 332 7835.69 5987.50 ItI.lD 207291.61
251 78:1$.&5 5235.93 2518.76 &51282.35333 7835.&1 7015.16 120.53200276.52
269 7135.68 5257.66 2578.03 """.&9 334 7835.69 7042.91 752.76 U3233."
261 1835.58 5278.47 2557.22 Gt0751.22 35 7835.59 1070.11 754." 18n62.78
262 7835.69 5299.35 253&.33 &35451.U 38 7835.69 7098.80 736.89 1790.,."
·20 7835.69 5320.,. 2515.35 "OJ36.52 337 7835.59 7125.!IO 708.71 171937.08
264 7835.19 5391.40 2494.2' 6Un5.n 331 7835.&9 11'5.11 880.sa 1&4781.97
2&5 7835." 5J62.54 2473.15 619432.58 339 7135.69 7183.43 652.28 15751B.5.
261 7835.65 53$3.17 2451.82 814048.81 40 7835.69 7211.81 623.83 150386.51
267 783S.61 5405.01 2430.61 608643.73 341 7835.69 7240.41 S95.2B 143146.27
261 7835.69 5416." 2405.21 &03217.25 427015." 72U.07 '66.42 135877.20
289 783'.19 5447.U 2187.73 5577&'.2' 143 7135.69 7257.14 537.85 128579.36
2707835.69 5.81.522386.175922".77 344 7835.61 7325.73 5DB.,6121252.&3
271 78.».69 5491.11 2344.52 581108.60 45 7835.&5 7355.73 41'.96 11381&.'0
272 7835." 5512.91 2322.78 581295.69 346 7835. U 7384.85 450.84 10&512.0'
273 7835.61 5534.73 2300.96 575710.96 341 7835.U 7414.08 421.&1 9IOn.97
274 7835.81 5558.14 2275.05 570204.32 311 7135." 74U.43 391.26 "694.54
275 7835." 5578.&3 2257.08 5UI25.69 345 7835.69 7412.85 352.80 141B1.iS
278 7135.69 5100.71 2234.58 55,.24.98 50 7835.59 7502.'7 331.22 "6".18
277 7135.69 5&22.B8 2212.81 553402.10 51 7835.69 1532.17 303.51 19141.01
Z7I 7835.05645.14 2198.55 5477.51.1& 352 7835." 7561.98 273.71 61585.03
271 7835.19 '667.49 2140.20 5420U.47 353 7835 7591.92 243.77 53553.11
UO 7835.69 sen.92 2145.77 5363U.55 5. 7835 7121.97 213.72 Um.14
281 7835.69 5712.44 2123.25 530687.11 55 7835.89 '652.14 113.55 38719.00
2U 7135.41 5735.0S 2100.64 524152.01351 7115 ... 7812.43 153.25 31034.51
2Bl 7835.69 5757.75 2077.'4 515114.31 357 7835.69 7712.14 122.85 23323.73
204 7835.U 57BO.55 2055.14 513413.76 ,sa 7835." 7743.37 '2.32 lSSBO.36
285 7835.19 5803.n :lO32.21 507&10.)3 51 7835.89 1774.02 n.n 7006.34
2U 7155." 5126.40 200'.29 501783.93 310 7837.24 7805.14 30.10 o,pO
287 7835.61 5841.46 198&.21 415834.47
2ee 7B35.U '872.42 1943.07 410081.85
209 7195 ... 58ts.Sf 1931.83 4841&5." -82-
290 7835.41 5tU.20 1918.41 47824i."
Zil 713'.6$ 5942.13 1193.'8 472304.11
292 7835 ... 5915.15 1869.S' 466338.01
253 7835.69 SlU.77 1145.92 '10348.24
Page 2012
Notice #3
Exhibits Volume B
B-209
Case 2:08-cv-01550 ?-CW Document 40-2 Filed C //2008 Page 35 of 50
2
3
4
5
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10
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EXHIBITH
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Notice #3
Exhibits Volume B
B-210
Case 2:08-cv-01550 ?-CW Document 40-2 Filed G 1/2008 Page 36 of 50
CLUES LOAN ANALYSIS REPORT
- CLUES -
Countrywide Loan Underwriting
Expert System
Loan Report
============================ 1.0 DECISION =====~=======================
Date: Thursday, October 14, 2004 11:49 AM
Credit Decision.: REFER.
Loan Number: 81737375

Credit: Acceptable (MERGE-CREDIT)
Ability: Questionable
Product Compliance: ~~ _
Documentation: ~REnUCED~
Appraisal Eligibility: Standard Full Appraisal or 2055 I&E,
with an additional Field Review
This loan has been referred by CLUES due to the following reasons:
~ ~ fDIIO/I~ ~ ~
Ability:
The information provided indicates a combination of layered risk
factors which may include insufficient liquid assets, high LTV,
credit history, and/or high debt ratios for the loan program
selected. #J~
Compliance - General:
A minimum of 6 months reserves are required on the Non-Conf ARM Fixed
Period LIBOR Interest Only program. (18869).
Reduced documentation is not allowed on a Non-Conforming Mega Loan.
(15172) .
The max loan amount is $1,000,000 on Non-Conf ARM Fixed Period LIBOR
Interest Only loans. (5998).
============================= 2.0 SUMMARY ==========~==================
Borrower: Nivie Samaan

Property Address:' 320 S Peck Dr
Beverly Hills, CA 90212-3715
Loan Program Name: NC 5/1 LIBR ARM _i4~erestOnly
Loan Type: Conventional Loan Amount: $ 1,374,400
Loan Purpose: Purchase Cashout Amount: n/a
Loan Program ID: 657
Notice #3
Exhibits Volume B
B-211
Credit Score:
Property Usage: Primary Res. Appraised Value: $ 1,718,000
Property Type: Single Family purchase Price: $ 1,718,000
Value for Calculated LTV/CLTV: $ l,71B~OOO
Amortization: ARM , Term: 360
Note/Qual. Rate: 5.5/5.5%
Max Qual. Rate: 5.5%
First Lien LTV: BO.OO%
Second Lien· LTV: 100.00%
CLTV: 180.00%
Calculations: All Borrowers

Total Income: $ 33,333.00
Total Obligations: $ 10,465.91
PITI: $ 9,509.91
PITI Ratio: 28.53'
Total Debt Ratio: 31.40%
Months Reserves: 6.82
Reserves amount: $ 64,843.00
=============~======= 3.0 UNDERWRITING CONDITIONS =====================

The following conditions must be satisfied:
Ability:
The SALARY income, $33333.00, from a BASE job of NIVIE SAMAAN has been
used to rate the ability. Verify 2 years history of this income
using Full or Alternate documentation.
Appraisal:
If applicable, if this loan closes over 60 days from the date of the
appraisal, obtain an Update of Prior Assignment 2055 Exterior Only
verifying that no reduction in value has taken place. The Update of
Prior Assignment 2055 Exterior Only must be dated within 60 days of
the Note date.
standard Full Appraisal or 2055 Interior and Exterior required.
Additional Field review done by a CHI. approved review appraiser will
be required.
Income and Employment:
verify that the self-employed. borrower, Nivie Sarnaan, has been with
the same b~siness and at the same location at least 2 years using
such sources as (i)business license, (ii) CPA, (iii)Regulatory Agency
or. (iv)Professional Organization. Note: When verifying employment,
no income may be disclosed. .
Assets:
The borrower currently has 6.82 months reserves. Verify all assets
entered into CLUES. .
Must be verified by obtaining the two (2) month's most recent account
statements or VOD. The assets m~3_be the Borrower's own funds.
Other:
Obtain a signed 4506 for borrower NIVIE SAMAAN prior to funding.
Notice #3
Exhibits Volume B
B-212
Case 2:08-cv-01550 ?-CW Document 40-2 Filed G //2008 Page 38 of 50
========c=c========== JIt GENERAL LOAN CONDITIONS tIl==================

Based on the credit report obtained in CLUES, this loan must close on or
before February 07, 2005 and credit documents must be dated within 120
days of the closing date. For new construction, it must close on or
before April 08, 2005 and credit documents must be dated within 180
days of the closing date.
If the borrower is a Realtor, saies associate or [real estate] broker,
they may not use any commission earned from the sale of the subject
property towards the downpayment, clos~ng costs or reserves for this
transaction.
If applicable, provide satisfactory documentation to explain any
variation between the loan application and the credit report:
* Variation in the applicant{s) address in the prior 2 years
* Variation in the applicant(s) employment in the p~ior 2 years
* Variation in the applicant(s) name reported in the AKA Information
section of the credit report
* Any indication of Social security Number discrepancy or fraud in the
Fraud Verification Information section
Reviewtbe preliminary title commitment to verify correct vesting and
legal description and clear all liens and encroachments that would
impair the proper lien position of the subject mortgage/deed of trust.
Obtain a copy of the Appraiser's current valid state license.
Obtain a signed and dated Final Loan Application.
If the property is designated in a special flood hazard area, a valid
flood insurance policy/binder is required prior to closing evidencing
the appropriate lender as the loss payee.
CHL will not finance more than 4 loans to one borrower. This limit
. includes loans already originated, as well as loans in the branch
pipeline. Exceptions to this policy can be -made up to an additional 4
loans if the following parameters are met:
Purchase or Rate and Term refinance
Fixed rate only
One unit properties only
Maximum LTV is 60%
Any exceptions to this guideline MUST be approved by the Division's
Underwriting SUpport.
Provide a ~opy of the appraiser's invoice/bill for the appraisal.
A valid hazard insurance policy is required evidencing the appropria~e
lender as the loss payee. Satisfactory evidence of hazard insurance
coverage must be- obtained prior to closing. Satisfactory evidence can
be anyone of the following: Declaration page of the policy, policy
binder with proof of payment or complete hazard insurance policy.
Coverage must equal the lesser of the insurable value of the
improvements or the unpaid balance of the mortgage, with replacement
cost endorsement to compensate fo~~e full amount of damage or loss
to i.mprovements. Note: if the comp~ete hazard insurance policy is not
obtained prior to closing, it must follow as a post-closing trailing
document. .
Notice #3
EXhibits Volume B
B-213
Case 2:08-cv-01550 ?-CW Document 40-2 Filed C 112008 Page 39 of 50
Loan must meet all othJltpublished requirements ba~

on occupancy, loan
type, borrower characteristics and documentation type.
=================== 5.0 SUBJECT PROPERTY EVALUATION ===================
-- 5.1 Public Records Analysis -----
Street Address: 320 S Peck Dr

Beverly Hills 90212
Owner of Record: Zernik,Joseph H
Property Type: Single Family
Gross Living Area: 2,650 sq. ft.
Lot Size: 6,400 sq. ft.
Assessed Value: $995,213 Year Built: 1930
Prevo Sales price: $442,500 Prevo Sales Date: 05/30/1997
# of Bedrooms: 4 # of Bathrooms: 3.00
Sales Comparables from analysis of Public Records:
Address Sales·Prc. Sales Date Dist. Dr Sq. Ft. Lot Size
------------------ --~-------- ---------- ------
345 Peck Dr S $1,525,000 06/02/2004 0.0 m 2,719
S 7/680
344 Camden Dr S $1,445,000 Oa/02/2004 0,1 m SE 2,539 7,336
249 Linden Dr S $1,500,000 10/29/200~ 0.3 m NW 2,939 7/040
30a Bedford Dr S $1,500,000 08/27/2004 0.1 m W 3,014 7,680
208 Peck Dr S $1,675,000 06/09/2Q04 0.2 m N 2/607 7,680
502 Hillgreen Dr $1,995,000 06/14/2004 0.5 m SW 3,499 7,244
439 Spalding Dr S $1,400,000 04/27/2004 0.4 m SW 1,911 9,100
312 Camden Dr S $1,965,000 02/20/2004 0.1 m E 3,107 7,680
225 Rodeo Dr S $1/800,000 01/30/2004 0.2 m NE 3,904 7,040
============================ 6.0 ANALYSIS =============================

-- 6.1 Scores ----------------------
FICO SC«;lres:
Borrower Code credit Scores
TRW EquiFax TransUnion Final
Nivie Samaan p 723 723 730 723
(Borrower codes: p=Primary, X=Score Excluded)
FICO Factors for Nivie Samaan. Score: 723

Number of inquires within last twelve months.
Relationship of balance to high credit on bank/national or other
revolving/open accounts.
Length of time since most recent payment information.
Outstandipg balances on revolving/open accounts.
-- 6.2 Credit =87-
-- 6.3 Ability ---------------------

Total Income
Notice #3
Exhibits Volume B
B-214
Borrower/Job
Nivie Samaan
Income Type
Salary
•
Amount
$ 33,333.00
Total
Sub-total: $ 33,333.00
Total Income: $ 33,333.00
Ratios:
The following liabilities were included in the Obligations:
Borrower Type Account N~e Account it Payment Dflt
------------ ---- ----------- ---------------- ----------
...
Nivie Samaan rvlv WASHINGTON .. •. 00000629063611 $ 182.00
Nivie Samaan rvlv FLEET CC 430550033675 $ 200.00
Nivic Samaan rvlv FIRST USA 433237006104 ~ 194.00
Nivie Samaan rvlv BARNEYS NY •• 6003355682 $ 114.00
Nivie Samaan inst FIRST ENTE •. 925840600 $ 266.0.0
Total: $ 956.00
Dflt: Defaulted payment code:

$10~ Default payment of $10 on accounts to be paid off.
BAL= Default payment of entire balance
5% = Default payment of 5% of balance.
Monthly Housing Expenses:

Item Amount Total .
MHE Present:
PIiI $ 6,299.00
Rent $ ~,390.00
HI $ 400.00
Tax :;; 1,790.00
Other Financing $ 1,020.00
Expenses
Total $ 12,899.00
MHE Proposed:
P&:I $ 6,299.33
HI $ 401.00
Tax :;; 1,789.58
Secondary Financing . $ 1,020.00
-------------
Total $ 9,509.91
On $1,374,400.00 qualified at 5.500% for 360 months. The MHE total

of $9509.91 was used to calculate the housing expense of 28.53%
indicated in the Summary Section 2.0.
Qualified at: 5.500%; Amortization8~erm 360; P&:I= $6299.33.
Total Debt
Notice #3
Exhibits Volume B
B-215
Item Total
Personal Expenses:
Credit $ 956.00
MHE Proposed:
PITI $ 9,509.91
REO Expenses: $ 0.00
Total Debt
-------------
$ 10,465.91
Note: The,Total Debt of $10465.91 was used to calculate the Total
Debt ratio of 31.40% indicated in the Summary Section 2.0.
Details of Transaction:
Item Amount Total
costs:
Subject: $l,71B,QOO.OO
Existing
SUbordinating 2nd: $ 171,800.00
prepaid Escrows: $ 6,213.00
Closing Costs: $ 20,544.00
Sub Total: $1,744,757.00
Cash In:
Loan Amount: $1,374,400.00
'Other Financing: $ 171,800.00
Sub Total: $ -3:546200.06
Cash From Borrower: $ 198,557.00
Reserves calculation:
Type Amount Total
L:iquid Aosc:;ctes;
Accounts & Funds: $ 263,400.00
Sub Total: $ 263,400.00
Less Fees & Expenses:
Cash to Close: $ 198,557.00
Sub Total: $ -198,557.00
Total Reserves: 64,843.00

The cash to close, in the amount of $198,557.00, was deducted from· the
liquid assets.
=========================== 7.0 BOOKKEEPING ===========================

,
CLUES A*E Version: 04.09.28-FL (Sep ~7, 2004)
Division: Wholesale ~~anch Number: 0000933-000
Input File: tmp4BD.tmp Request Version:C
Tracking Number: 0220933000008173737503
Input Data: Detail
Notice #3
Exhibits Volume B
B-216
-
Case 2:08-cv-0155Q- ?-CW Document 40-2 Filed (, ! 12008 Page 42 of 50
Service Pack Ver:

Busine~s
04.~.28•
Rules Ver: 04.~OA.02 10/01/2004 12:01:20
4t
Business Rules EC: Success (156)
Public Records EC: Success (2a)
Reference Number: CC3796290S12
Underwriting Based On: CLUES
---ONDERWRITER RATING---
ABILITY POOR
CREDIT EXCELLENT
APPRAISAL N/a
otIDERWRITER COMMENTS
Underwriter:
Decision: NO DECISION HAS BEEN SELECTED
Date: ~O 14 2004
Loan version: C
END OF REPORT~
-90-
Notice #3
Exhibits Volume B
B-217
1
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EXHIBIT I
28
-91-

Notice #3
Exhibits Volume B
B-218
Case 2:08-cv-01550 p-cw Document 40-2 Filed C 1/2008 Page 44 of 50
Branch I: 0000933
750 LINDARO STIUlEI
SAN RAFllEL, CA 91901
Phone:
Br Fax
(415)257-2701
No.: (415)259-0866
5TE 110
-
llloksr.
Col\1acl:
SlDk8:
Pilon",
lln>"'"
H.ICBJ\El. JlIHES O' REII.L~ DBA PACIFIC
VICTOR pJ\JUtS
(415)444-0448
(415) 492-4388
SUSPENDED l'lIll-=
DIAllE FIlAZIER 10/14/2004 ~,p ./../'1" •? J.{'" }'1i& .17~ .71("1,,

11\15 Is to Inform you that your loan submission was revl~wed at the terms IlsIed below:
loan#: 81737375 . Bol1"OW8f.N"",",::S~AMAAN==l..r...:N"'IVr=::E'- _
Appllod I,oan Amcunl: 1,314.400.00 P~mm;NC 5/1 LISR ARM InterestOnly
Purpo.e, Pl7IlCIlASB, OI'IllSR OCCUPIED, REDUCED

SIBJlflale: 5.500 5IaII'TQfm: ":6.:,0:::;-:~~-= _ _ L'TV: 80.00
LOAN AMOUNT: 1.374,400.00
Subject to the specific conditions listed below, we will be able to approve

your loan SUbmission. For all submissions, pend1ng final approval. no change
in the borrower(s) financial status or employment can occur. and the credit
doownents and appraisal must rel1lain Cllrrent.
To avoid having your submission closed for incompleteness, any items listed
below as 'Required Prior to Jlpproval' must: be received .lit:bin 10 days of the
date shown above.
Condillons et P/lDso ~. APJII"OVllI: 17
ConcntJon
CccI. Cond11olllle><lCcmmeob
~ Acceptable explanation 'Why business in 411

BOlUlOlreR WlU'J"J'El1 &lCPLIIll.UION IlEGAJU)ING
rQv&,:se 1.$ on 12'21 SD
~ C2>
1U.f:ted, 1..A.
i\PPI\OV1lL OPElI 138. OTHJ;:R ClIIlI>J:TION 1
Corp approval req'd fox th1S enhanced pxograDl wI :-22i' added u
fee , any condit.1ons, prov1d9 a complete copy p~ge alon'9 \l1tb
'- .
e all conditions in Uipl1cate
139. 0TllS1\ CONDI'J'I(IlI 2
Pricing 1:0 lle co:r:..ected. to 51>0" .15t add to fee fox this enhanced
excepU"" pJ:Ogr....
OPEN ~ OTlICR CONDI'J"J'llIl 4
on deposit wI <>.CXOW w/ .ource "etiUed
~
erif.Y ~30ll;
\lPElI 14 CONDItI 011 5
xoride complet:e executed puxchase contraet, eperMl instructions
~
ill Dot act aD a aubs:titut8
OPEN 4. O'J'lIER COIlDI:rION 7
~
P.rovld~ 03' buoiness license OJ; C(lA ~.tteX' ve.. ifywq fUed la:s:t. 2
yr. 1040'S as ••If elllP1oyed. ...,.. location
O!'EN • 0"IIlER eDWInoN 8
IlF 1>1: .tlIIt 1681-40983BO fox 7/12 th%U 8/12 at: $180ll;
DOCIJIlSlIIS Ol!EN 006. M'PlIUSAL-IIca:Ptl\llL& FIELD 1l&VI!\1f (TO SUPPORt $-->
«««« Condition information continues on at:tached addendwa »»>,.»
Total Otltstd.i.];n.. Adi"'~,.,t~~:do""n&.8)",,'

.. :..9 _
10114/2004
Underwl1lel'a S1lll1~ U
FlWVNCClW
• UNOERWIllI1NG llEClSlONICONOIllOll \EfTElI
2C2St>I$ (lI7I04)(d)
-92-
'0817&737500
I
0020260'
Notice #3
Exhibits Volume B
B-219
Case 2:08-cv-01550?-CW Document 40-2 Filed (, 1/2008 Page 45 of 50
i:<>an#: 81137375
•
AODEHDUM TO UNDEAWRmNG DEClSlONlCONOmON lETTER
(PAGE2 OF2 )
•
R.",1led CGndllIon Condlllon DascdpllonlCorrmollls
PllorTo S1allls
$],718,000 ptogtam '1"idel1ne at cost to brwr, .oUt 0_01 - d b '(

etl_p ~!I.&'Wt'!-
IlOCOHE:ll'IS OPEN 064. COIllU:cn:n/sXGiIi:D :1003 (AT LOCK-m-IIATEI
Show type of 1>II.1n.,.
!JOCOME'!I'1 S 01'Dl ~. otJl!:I\ COIID1T1ON 6
Acceptable VOR covering pxesen-e %esldenc:e.. .%eCl'd tox 2nd
F1lNI)ING OPEN 001. ArPIlAISA].-1'CCEPTAJlUl ClILIN&II lIFPRAIS;u. lMIll VAL-$_l
it JIllt fupded by Uf2 provide a drlV<lby "llt as a taceR
FlltlD111G OP£N ou. lIPPRA1SIIL-APPRAISElI TO PROVU!& CtIlUtDlT LICDlSE
Provide also an additional set. of eolo.E photos
fUlo'1lING OPEII 028. BlIOlOOl CERTIFICAT101/ TIIAT ALI. COlOIES AIlS TRUE AlIII COR!IECT
F1lNI)1NG OPEN on. RtLOC - copy OF F1lIn HORTGAG& NOTE:
Con<llIrrent close with 2nd at $171800 6 prOVide Dote
rmmmG OPEN 093. TllGQI!:-alfll?LSTE:/SIGIlEl> FoRM 4508 I 95-0]
Flm1lnlG OPEN 140. OTHBR C0Illl1tIOII 3
CDll..ct $400 appraisal field review f .... frDDl brln in e.crow
-93-
FIWIIJUCOIIV
a UNDEllWM1IIG DEClSlO>II(;ONllmON lEllER
l!C2lIOOO (Ol'1DCl
Notice #3
Exhibits Volume B
B-220
Case 2:08-cv-01550 p-cw Document 40-2 Filed L !/2008 Page 46 of 50
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EXHIBIT J
27
28 -94-
Notice of Samaan's Fraudulent Loan Al!plications and Fraudulent Representations

Regarding their Underwritmg by Samaan & CountrywicQ,tice #3
Exhibits Volume B
B-221
Case 2:08-cv-01550 ?-CW Document 40-2 Filed t //2008 Page 47 of 50
WLD EXCEPTION FORM - BRANCH
~~~~"_PN M2:~~~f5~ 790?SJl3-a-:s by
80/90 to 1.5101 usln Cofe Jumbo with.750% add to fee lor Reduced Doc
Borrower Flll!t Name Borrower lastName Borrower SSN FIle In Branch

Nlvle Samaan 566579489 Yes
Co·Borrower FIlS! Name Co-Borm.ver Last Name Co-Borrower SSN Type of Submission
EPS Database
Branch Inlonnallon
Branch Number Region Branch contact Conlaclexl Blanch Requeslor
0000933 65 Marla mclamin 2703 krlsl1n
orlDnlWLD/CF/CCI
Sf' Information
BP Soun:e Code BPName
09694 Paclflc Mortgage
..
, . Consultanls
Loan tnformal1on 1st Uen

Loan Number: 1stLIen loan Program 1stUen Loan Program· Documenlal1on Type:
Name: NlIIlIber.
81737375 NonCon! ARM LIBOR 5/1 657 Reduced Doc
5-2·5 InlereslOnly
1st Uen Loan Amount: N01:1!1. Uen? LTV Cl.TV Ml
1.374.400.00 Yes 80.00% 90.00% No
Loan InformatIon 2nd Uen
2nd Uen Loan Number 2nd Uen Loan Program 2nd Uen LoanProgram 2nd Uen Loan Amount: 2nd Uen Draw
Number: Name: Amount
81737383 373 HELOC 10yrDraw/15yr 171,800,00 5171800.00
Repay
Property InlormaUon
PUrchase Price Appraisal Value Year Acquired
1.718,000.00 1.716.000.00 2004 ~CaICl!!ate LTV/C!.,TVl
Property Address Property Clty Property Slate Occupancy Type
320 S. Peck Drive BevertvH1Da CA Owner OccupIed
Loan Purpose COlldoType Property Type
Purchase SFR
"
Borrower Inlormal1on
Borrower Co-Borrower
.An""""...lnr:ome Borrower EmplDyer Co-Borrower Income Co-Borrower Employer
.?:.~,1,,?;)~ Spellbound Entemrtse. Inc.
Borrower Se~p Dyed BorrowerYean; on job Co-Borrower Self Employeed Co-Boll'OWer Years on Job
Yes 4
Borrower P06fllon1J1ue Co-Borrower Posl1lontr1lle
President
If·less than 2 ears on the lob If less than 2 ears on \he lob
Employer Self Employed Employer Self Employed
Years onlpb PosillonlTille Years on job Posmonll1lla
BorrowefCredll Information _u,_

I I I
Notice #3
Exhibits Volume B
B-222
Case 2:08-cv-01550 p-cw Document 40-2 FiledG //2008 Page 48 of 50
PITI Monthly ObDgaUon Ratios ReseIV2S

9509.91 958.00 2.8sok 64.843.00
3.14%
:~icR;ijw
Credit Score - Borrower Credit Score - CO-&Jrrower
723
CredIt ~mmenlS: BOfl'OWe~s RaUo's Should be 28.85/31.40. Good ReseNes, Good Loan
GuideDne ExcepUon
OTHER (add comments below)
COmments for Other: Super JUmbo .~
Compensatino Faclors
Excellent Credl~ Exee"ent Job Slablntv, Excellent ReseNes, High Flcos
Requestor comments
US/Secondary CommenlS
Standard Conditions
Alllhe InforrnaDon conlained In lhIs request Is acetl!3te

The loan meets all olher program guldennes and requirements
The appraisal supports lhe value and maTketablfily otIna sUbJecl.
Tha appralsal eomps are: 1) similar In size and design 2) recent sales and 3) are wilhln a reasonable distance Il1lm the SUbject
If all condItions abD'le are notmetlhJs excepUon Is null and voidl
Non delagaled Milo be obtained by the branch and a copy of the certificate to be In file prlor 10 closing
If lGan Is TreasulY Bank eligible. please remD'le from the Bank's pipeline.
Additional CondlUons
Requeslor ~mments (old):
-96- j
Notice #3
Exhibits Volume B
B-223
Case 2:08-cv-01550
-
?-CW Document 40-2 Filed G //2008 Page 49 of 50
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EXHIBITK
28
-97-
Notice ofSamaants Fraudulent Loan Applications and Fraudulent Representations

Notice #3
Exhibits Volume B
B-224
()
Pl

en
CD
I\.)
<:;
OJ
I
()
<
• •
I
0
~
01
01
0
1
""0
I
()
1st Lien Amount: 1,374.400.00 2nd Loan Amount: 171,800.00 ~
Appraisal Value: 1,718,000.00 Properly Type: SFR 000 Type: Reduced Doc 0
0
()
c:
3
LTV: 80.00% CLTV: 90.00% . MI: No CD
•••• 4WW __ • • w_A • • a.a.aa. a.x ••• _

-
:::::l
~
..
__ ~.~~~~~~ • • • M.W_ • • • • A • • • • N& • • • C._.W • • N.M • • • • • • • H • • _ • • • • • • • • • • • • • • • • & • • • • • • • • & • • • aa.~
0I
I\.)
Exception Request DetaUs: ::!!

CD
c..
: 80/90 to 1.5M using Core Jumbo with .750% add W.ieB for Reduced Doc ("'
Kristin OTton,10/25/2004 3:08:49 PM->Borrower'sln6bme Should Be $33,333 Not $333,333

Mlcnelle Fena.1OJZ6J20U4 3:U3:14--PM;'~Re-eelvealoan1Uetoaay
Demetrio Gadi,10129/2004 10:29:57 AM·>File is approved with no ex<;:eptions under the Enhanced 80/90 ~
0
program. 0
OJ
•• W._.AW.A••••N••••H••••••••••N.__ .A_.~._.M.:.A .•AM••.••.•••••...••.•••..._.••4._.•••••.•.•..4.•.. ••M.A._ •••A••• ~ ~.¥ •• ~~
'"'0
.... Pl
(Q
CD
01
Conditlons: 0
0-+0
01
0
Notice #3
Exhibits Volume B
B-225
.-
Case 2:08-cv-0155l ..P-CW Document 40-3 Filed, ,7/2008 Page 1 of 50
2
3
4
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6
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27
EXHIBITL
28
-99-
Notice of Samaan t s Fraudulent Loan Applications and Fraudulent Representations

Notice #3
Exhibits Volume B
B-226
Case 2:08-cv-0155( .P-cw Document 40-3 Filed I- 7/2008 Page 2 of 50
WebTrak Order Entry -

....
~ - Page 1 of1
WEBTRAK ORDER ENTRY
Thank you for your order. The case has been assigned a tracking code of4100481 O.
ICategory IData
IOrder Number 1141004810 I
IJob Type II Field 2000 I
Loan Number 181737375 I
orrower INlvle Samaan I
roperty Addre~ \320 S. Peck Drive I
~roperty City IBeverly HUls
I
Prop~r.ty State ICA I
CLIENT ALERT:
Ifthe·orger confirmed on this page was a REVIEW PRODUCT, please send the appraisal to
be reviewed to:
[1] E-mail PDF copies to: Review Order Desk.
~ . ./
(2) Print this page and use as a cover sheet to fax the appraisal to LSI @.800-668-8585.
The review process will be initiated following receipt of your appraisal report.
Please be sure to note the order number carefully on your loan file. If you wish to make
changes to the information just entered or need to cancel the order, please contact one of our
customer service representatives at your nearest office.
To enter additional orders, please press the Order Enby button on the left menu ~ar.
ReportAES-1006W
CDpyrlght li:l1999 AppraIsal Enhancement Services
-100-
http://www.ousleyinc.comIWebTraklclient_IDodule/securedjlages/order_entry2.asp 10125/2004
Notice #3
Exhibits Volume 8
8-227
...........
Filed, .712008 Page 3 of 50
Case 2:08-cv-0155( .P-CW Document 40-3
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EXHIBITM
27
28
-101-

Notice #3
Exhibits Volume B
B-228
Case 2:08-cv-0155( ,p-cw Document 40-3 Filed I.
- .7/2008 Page 4 of 50
eoUtfTi'l'iWIDl': HOME LOAIIS, INC. K1Cf\A~, .lAKES O'JU;:ILf.'i DItA PAone:

"Oll'TGlIGS: COIl'SIlLUNTS
&r ...."" I: o~oon3 ...""'~ V.=ICTOR:::;,:..:=.,.::?:;.:ARK::.::5::.

.. _
7,0 I.!NOJUtO Snu::;;1 SI1! 110
SAlllUIFI\SL. CA !t4901 --
Pl\0ne:Ui5125.7~ZlOl
FaX' Bra_ F..r.
lfyotlhaVtquallons about lhl. ~. p1_ conblct u. .~ t;hepnone ",,,,,*,e,,:: lI#"""e;.
lil),L' n_·r &1737315 hAa been "",v;'e"ed "" "he bUOwin9 -;e.e-. en.' NX.\7U- SA_"'"
~T"." ~. OC:CI1PI£CI
Anarii. Typa.: .PQRCHASE:

-.1,.,.. II$rN(;;;O
RlItGsodo: tf{JIi
P7D..otr_320 $ no; DR Cndl_, 723
II!lIl'BRJ,Y H.LLS, Ch
J.ock E~iri!lt'ion'·
90212-3US
Da;e'
f'roI*lt Typo: Sl!1l
u.r.-~: ri.z:~t
I~ ....Il'llIMdV.I"" $oIv"- 'LlVlCUl'l'!

11,314.400.00 . 0.00 1.. tto', 000.00 . !O.O\.OO. /. ~!.Oll·
SI.rt_ ..&ok .. :lIl&l!Plo·
5.5'00 0.0011 .c!\.a.Q 0
"""Il!n PIw""""I.~T
2~2~'0 ~l), lfO!.ot tlO.S' " &
TII!.o 1"00 lias ~en SUSPC>lllUJ uAti.l:. the t<lllovLI>lI' .o£o.....~ion i .. i.d<Od. lie, ..~". "t...... t'"".. b,"
'this ~n£o~t.ion. by 10/2:.$/2004 f I.E ..... do· not. .r;~ei.".c i.t by that:: d6ee'r- wc-' a\l:Jt: e-1.0.ft'; the:.' f~lc.
Eot" ino'o..pl~tene-s:J When we receive th~ tn-.foQ"tlt'iOCl f , ~ "jol.l. review the· ('il.8', 5rtt'· t.UrtJ1~.
6
cieturainac.[on.
-_ ..._----...corp
Coni;.Ut.lon
1
C'DndJ.,t'lon D.scICOft'II.bt..
_-,-------~---_
for
IIppX'O-.t ;ceq-d'
... _~--.
~,lU:s
•..-', .fl.)'" cortdit.loh-" ,P:'OViidc
-_ _--_._--
...
enh6tll::-..ct procp"'_
4:' ~1ft:f.lI eG:p)'
....
~I • ')$11 '~dded 'toO
p&C:-.... ge-:a.lonq w1.th.
- -._......._.....---------
---...--....,--...... ...
.U' G~(f1.';.~on;, 1.n 't;J:'l.p-l.lc.t..
2 ,z,1i:i.n:~"
'1:-0, ,be- c-O~z:.c-t.ed 'to M.a_ .l9~· ~ ~o te'e' tox this .nhaneed
e-x<:e:ptt:on .~.togz...
3 "roy"-_: 'ctlrilp:i.t..·.ltktJ.~cid,p-li~dt4s., cOAtr4ct... e.'eroli .1niltt.toct-1Qi'ls

vi1:1'pc.'t-· .e~ ••• iiu.bIl1:i;l.t.v,.Q ,
I
Al/pWSAJ,-.IICCU'rlUlLl< .. ±t.I.I> JiEvn:w I'm s,""".u- ' - 1

81;11'. GOa prQC1l:'_, qUld.al1l\,•. 4't- coct-to brv,r.,. >vill ~td.)" "feeK
.".,,, '''l'"ov.l (OJ:du-..d 10nS/.'1
S cClRllraeelSrGR£D. 1.oa;r IIJ LllCK-IlI-RC£1
.h"o".typit of bUSi:H".
~P~~ 1. ot a llloI16l2004!0. 44: 51)

.~~IQ~WII!R,V>\D.
m.wl~
II_II
• '0",1.".1')
-102.. '
7,,·,r'~!l DD.DD.::!!:. D.' ~
Notice #3
Exhibits Volume B
B-229
Case 2:08-cv-0155C p-cw Document 40-3 Filed I. 7/2008 Page 5 of 50
£l.J24..!.4&
(T1JE)OC~ 26 29(4 lG:~LJSi. :C53/1I0. 5334370666 P 2
~., 81137315 Botro........ ~ -'s:.:AHkA>l=="',....:.:"=r..:.v=!:::t: _
W. ..,111 .be <tble ~o fUl)d YO'\.I'r ).0&-' "'ben t~ follovjn9 :ond1clof\, are- .. e.t (T.,",_. lUII1'J \111.1 al.ao _ppeat
on YOt.Jc clos1rul :ll\~II:.xv.ctiO:lI) :
APPRAISAL-ACC.&fTABLE OlL/Nt'If APPnAlSo\lI IMIN VA.L-~_)

it not fundod by :2/2 providl!' ~ drheb;v DX: .~ 00 r_t::.rt
7 MVJU.tS,lU"... ~I?AA.:r$1:1l rO' !'J'(.cr¥' WE CURR£H1' LlC£tlSl:

fl'wld. ¥l~o an .. dd1I;lon~ Ut. of co10l" p:-,o:O$
9 F..EW~ - copy OF rIM]' HORl'aACE. NOTE:

COhCllrrltrn:. <:10 •• wi'th 2nd u . .$171800 ~ pl'o7id. note
10 JlOCCH&-C"'lI'ILIT./SIVlJED rOl'H 450' 1 95-01
11, COllect $400 apprB1S'1l1 Deld r1tviev ftt frnJ'\ brur J.n •• CSOWI
Thank you t.or .umitting your loan to Count..ryw1dt'~ .....tOeric:a 15 "holes.. l. :r...n&u' It.. s:1neu'i!:ly A.pp~.c:"'~t:'ft
youX' bwI'WC;lI:t.
DIAME FRAZIE8 10/1(/2004
CQn<!1tloll DeK/Ce.tMnts
8~ lnU"rrtm mc:PLAAAtIOIf REG.'R!)XNG" _

Acc.pt.a))1+ earpl,an&'t.1oft wny ou_t.na.. 4n 41.\ nven. l ' on 1221 SO
"l,beel, to.A.
pl'oyid. lU· b":tJLn.lI_ licenn Olt CPA ~.tt.r V\ilC"!f'Y1n9 t";I..L~d lAst. 2
yr3 lD"~·. ~ :felt elllp1oye<S • ..,.e location
IPBgO 2 ot 2 l0/26/20~1 lD: 00,.52)

• IJOll:>ElMIlITI'fC D1rCIII~ ","".WLD
""""·U$lIlM"l
-103-
Notice #3
Exhibits Volume B
B-230
Case 2:08-cv-0155l\P-CW Document 40-3 Filed, ,7/2008 Page 6 of 50
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EXHIBITN
27
28
-104-

Notice #3
Exhibits Volume B
B-231
Case 2:08-cv-0155l ,p-cw Document 40-3 Filed, ,7/2008 Page 7 of 50
1012912004 10:46 AM
•
Demetrio. GadlIWl01CF/GCI
•
To Kristin OrtonIWLOfCF1CCI@Counbywide
co Marla MeLaurlnlWholesalelCF/CCI@COUNTRYWIOE
... bee
Subject exception Certificate - Result: Final ApprovaUlSamaan I
JUMBO·
PRINT THIS DOCUMENT FOR THE LOAN FILE
EXCEPTION REQUEST RESULT: FINAL APPROVAL
Reason for Decline:
Terms of Counteroffer:
••••••••• &1" , u.", , taA U .'AU"" _, ••• a, a.au !IIi Ul. It"•• ,U u ,,,,*,,.u,. ",At &.& Ii
Prlclng Information: /
1st Mtg Risk-Based Add-on: 0.750
Applies To: Fee
2nd Mtg Risk-Based Add-on:
Applies To:
: The 'Risk-based add-ons' posted above, do not conlain adjustments for: low loan amount. escrow
waiver. non-e-Approve, 45·day and greater refinance. LTV>60 and Fico<620 (Conf only), or TAMI
Incentive. Before quoting prIce, where warranted. add the appropriate adjustments for these
characteristics to Wholesale PricIng Desk 'Rlsk.-based add-ons' above.
Pricing Comments; Demetrio Gadi,10/29/2004 10:20:37 AM->Based on the current loan characteristics
noted on this form, standard add-ons must be applied as disclosed In e<!ge plus the base price must be
adjusted by 0.75 pts for Enhanced 80/90 reduced doc•
....... ~ , ••••••, "ta. u _ " d to u ta'"'' l.:a. 'u.a ".. U. U & .. Ut. at **
.
Borrower N~me: Nivie Samaan / JUMBO· Branch Number: 0000933
Property Address: 320 S. Peck Drive, Beverly HlIls. CA
Branch Requestor: kristin orlonIWLD/CF/CCI
OateITime Requested: 10/25/2004 02:59 PM DatefTime Decision: Demetrio

Gadi,10/29/200410:29:01 AM·>Flnal Approval
...... UU,"' h&U UU U U.U ".U , u"uau " , •••• " " .
..
Loan Purpose; Purchase Cashoul Amount: Occupancy: Owner Occupied
••••,. ***' ," & ,U , ..'u

..
I ' ".
-105-
Notice #3
Exhibits Volume 8
8-232
Case 2:08-cv-0155l \p-cw Document 40-3 Filed ,7/2008 Page 8 of 50
1st Lien Amount: 1,374,400.00

• 2nd loan Amount: 171,800.00
Appraisal Value: 1,718,000.00 Properly Type: SFR 000 Type: Reduced 000
LTV: 80.00% CLTV: 90.00%' MI:No

............................ UU uu UIU,iU "U U.u.u " &iii' .'a 'II"***"*" "•
..
Excepllon Request Details:
: 80190 to 1.5M using Core Jumbo with .750% add to fee for Reduced Doc
Krlslln 0l1on,10/2512004 3:08:49 PM->Borrower's Income Should Be $33,333 Not $333,333
Michelle Pelti,10126120D4 3:03:14 PM->Recelved loan file today
Demetrio Gadl,10129/2004 10:29:57 AM->File is approved with no exc;:eptions under the Enhanced 80/90
program.
• "a.a ","' '.at•••••••••" a•••••• , u , •••••••••••••• *, "••• ""'.a,•• ' ., "•• a••
.
CondlUons:
. / PRIOR TO DOCUMENTS (PTO) CONDITIONS / BRANCH TO REVIEW & SIGN OFF

. / -Field review by CHL approved review appraiser to be ordered by branch supporting valu~ of no less than
$1,718,000
Satisfy all branch underwriting conditions & all CLUES conditIons
CLUES to be accurate at close based on final EPS
Quality Verification and Documentation Checkllsl completed and executed by underwriter
/ jJtuJ- -Letter from co-owner ofWeUs Fargo account # 6614098380 staling relationship to borrower and that
borrower has unrestricted access to an funds
;flttI--~- Appralserwlth AG or AR designation to co-slgn appraisal & mark box Indloatlng ·Did Inspect Properly"
~Calrlfy REO on credlt report - 5353 San Vicente Blvd
PRIOR TO FUNDING (PTF) CONDITIONS / BRANCH TO REVI r:w & SIGN OFF
.........
-Sorrowers to sign/date 4506-T
........~opy of first mortgage note for 2nd td file
,.;<--t st & 2nd td's to close concurrent
NOTE: clear to close
: Reduced doc, purchase, 5/1 Llbor 10, Enhanced 80/90, 1st td $1,374,400 & heloo $171 ,800; no
excepUon
GUIDEUNE EXCEPTIONS
-106-
Notice #3
Exhibits Volume B
B-233
Case 2:08-cv-0155l \p-cw Document 40-3 Filed .7/2008 Page 9 of 50
•
IF ALL CONDITIONS ABOVE ARE NOT MET THIS EXCEPTION IS NULL AND VOIDI
THIS IS AN EXCEPTION DECISION ONLY AND NOT A LOAN APPROVAL.
*This represents the risk-based add-ons for the loan program. All other
add-ons such as CWBC fee, escrow waiver fee, elc. will still apply, as
applicable.
Branch Enby Screen ->[g}
-107-
Notice #3
Exhibits Volume B
B-234
Case 2:08-cv-01550 ?-CW Document 40-3 Filed L 112008 Page 10 of 50
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EXHIBIT 0
28
-108-

Regarding their Uuderwritmg by Samaan & Countrywide
Notice #3
Exhibits Volume B
B-235
Page 11 of 50
Case 2:08-cv-01550 p-cw Document 40-3 Filed l 112008
Lica'S Wholesal.e Lender •

SUbmission J\pp~val
COUNTRYWIDE HOME 1.0ANS,lNC. HIClI.lIEl. JAMES O'lU:ILLY DBA ~ACIFrc
MORTGAGZ CONSULTANTS
Branch '1
0000933
750 L:mD1I1lO STREET STB 110
SloN MFAEL, CA 94901 IlIvllar Phone:
~~~nel (415)25'7-2701 llnlkerFall#: &tsJ
t(t:p.-'!.?Cf
If you hav& questions lIbout thls letter, please contect us at t·--:h....e...!p:.:,h::;.on'-L.eL!mmberO"""~=:..,ab:-o-ve-. -.....,(""3!§)~~..,.",:-:jt,--p.""~,.-,..
Loan nUlllber 91737375 has been reviewed at the following tem.s for IUVlS SAI:DoAN(9;Js)~.?9f1f>
lDan PIDlJ!IlIII' Nt: 5/1 L:mtl ARM rnte>;estOnly OccupanC)'Typo: 0I9NEil OCCUPISD
llo<:ulnenIaian Typo: REDUCED
_Typa: I?URCIIlISE RlskG"""': filA
PtopeJly Addnus:320 S PECK DR CIOdll Scora: 723
BBVElU.Y /ttI.l.S, CA
90212-3715 Lock Expiration
Date:
""'polly T,pa: SFIt
LIen Posltlon: First
loon Amount Appraised Value SalosPtlco LlVlCLTV

1,374,400.00 0.00 1,719,000.00 80 •.00 / 90.00
()JolllyIng Rala stsrI Flale RoI>a!lrPb DIscPll
10.500 5.500 0.000 0.000
11Id... Margin Tom P_"",nt penalty?
2.461 2.250 360 No, No. of Mos. 0
:.ohis loan is Al'~!IOVED subject: to the satisfactoJ:y corapletion of the speci1ic conditions
listed bslow. It is iBportant to submit all prior ;0 document conditione in a timely manner
to ensure tilll91y illsuance of your loan documents. This approval. is valid based on the
expiration date indicated On your CWBC a-Approve Dr 120· days fr~ the oldest credit or
appraisal document used for t1lis trans/lction. Changes in the borrower(s) financial status or
omployment during this period may invalidate this app~val.
"For non-confoiming A-paper products the appraisal is valid for 60 daye.
Closing docwoenu WiUbs made bva)J.ab1e when the following cODdit:ions an "",t:
eoDditlon condition Dasc/C(lameots
---~--------------
1 P~SlIL-l\=nm.E nELD llEVIEW (TO SUl'POIlr $ - '
$1,718, 000 proqraao guideli.... at cost to brwr. Cordend 10/25/04)
APPRAXSllL-ADDElmUH FROIl APPII1I%Sl\L llEGMUlING: _

Appraia:era lieeDlle, BppraJ.ae:t with M 0% All desigtlat:1on muDt
00-81911 appraisal & IDilXk l>o><.indiea1;!ng "I)id Inspect Property'
3 C~/SIGllEI> 1003 (AT :LoC!t-III-RAtE)
.how type of buslneoB
P:rlc:in9 to be coneoted to sho\< .754 add to fes fo: thi. enhlloced
exoept:lon progr...
5 l'l:1>V1de erunplete e><ecuted purchase eODt:l:act. ..scrow 1J:Istruction.

"ill IIOt: /let .II" .. s1lbst1tute
Stlltement fzo,.Mtl%qllret S""'llll1\ st/lting bor="er h.... full arul
unrestricted use of joint fuods in \fFIl 1681-4098380
"' Letter of ..xplanatiCll "by cradit report renect. addJ:.... of 5353
(~age 1 of 2 10/29/2004 14:03:50)

.. UlQJWIlUl1IICl\lEClSlOlllCONOmQNlETlS!.WU!
a81·US(lll!/Ol){d)
-109-
'0 173 37t1000002E261·
Notice #3
Exhibits Volume B
B-236
Case 2:08-cv-0155G p-CW Document 40-3 Filed l 1/2008 Page 12 of 50
Loonill: 81737375
•Ilonaw8l'. Name:.
•
--'S:::lIMAl\N==~._N:::IVI=::S=_ _
San Vicente Blvd, Los- Angele:9 a.s of 1/04
lie will he able to tund your 10"" when the followio!J condlt1oDO .......et (these it..... will also appeax
OD your closing uu.truCt.iODS) :
condiHoD Coodltiol\ !lesc/Co...ents
M'PIlAISlIL-llCCEPTlUILE CllL/NElI APPIlAISAL (KIll V1IIF$-J

if not tunded by U/:l provide " <b:i ""by ext as a rtlcert
9 l\!?l'IlAISlIL-lI1'PIlAISE:R TO PJU)VIDE C01UtEIIT LICEIISE

Provide al.SJO an addit.ional 3St af .color photos
10 BOOKER ClIR:rIFICll:rIOH THAT lILL COPIES ARE TRIlC l\lID COIU\E:CT
11 IIELOC - COPf Of" FIRST !I0RTGAGE NOTE

Concu:creut close with 2nd at $:171800 , provide notfJ
12 DlCOME-COMPLETE/SIGIlElI FOIlII 4506 I 95-01
13 Collect $400 appxa1sal field xev1e" fee frOlll brwr in e.crow
14 fIF bk stIllt 'SBl-409B3BO for 7/12 thru B/U at $180k
'Ibank you foX' sut=1tt1ng you..- lOaD to Countrywide, America's Wholesale Lender! We siJlcerely app%eciate
your business.
10/29/2004
.
tJnAJ7~l:er Dat:.a
~_I1t;{~~ -- ..fl-4?.k-----
Brancb l1anager Date
WP IIWPIIlS" Dete
The following conditions bave been satisfied and are shown here fox nfQ.rence only:
COndition Desc/c_nu
~ BOltROWZR. 9RlTtEN EXPLANATION R£GARDING _

Acceptable e><plan,," 10n \lby ro.iness 1D Ul Nver.e 18 00 1227 So
lllfred" L.A.
Corp "PP"oval ~eq'<i fo~ this enhanced p~ogr.... wI .75\ added to

fee , Ally condlt1on.., provide a coorpl.ete copy paclca!J8 along w1th
all condltion. in tnpllcate
Verify S30Jt on do!»s1.t wi .ACJ:OW vi sOUZ'ce verified

l'::ovlde 03' J)udnees license ox CPA letter vertfyio!J flled l .. st 2
yrs 1040'. liS seU <IllIPloyed ...... locatlon
Acceptable VCR coverinq p:-esent xc:a1decce, zeq'd fox 2nd.
-110-
11'age 2 of 2 10/29/2004 14:03:51)
• UNDliIIWRIT1NB 1lECtS10NlC0HDI11ON lET1al. WLD
2E2S1-lJS (0SI04)
Notice #3
Exhibits Volume B
B-237
Case 2:08-cv-0155C P-CW Document 40-3 Filed l 7/2008 Page 13 of 50
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EXHIBITP
28
-111-
Notice ofSamaan's Fraudulent Loan AJ,lplications and Fraudulent Representations

Notice #3
Exhibits Volume B
B-238
Case 2:08-cv-0155C
.- p-cw
Document 40.:3 Filed l 1/2008 Page 14 of 50
• •
Urgent Df!livery!
LSI File #: 41004810
Cover Sheet - Resllits Attached

Itlv'!ice (Bi-molltllly invoice summary mayfollow per clielltprofile)
Addressee/Addressor
To:
Contact: jKrlstin Orion I Client#: I 19501
ConrpallJ': ICountrywide - Wholesale 1
1750 Undaro SI., Sulle 110 I
ISan Rafael, CA 94901 I
PI,o",:#: 1(415) 257-2716 1Ext: I I
Fax": 1<415) 259·0864 II I
From:
Compally: !LSI, Coraopolis I
Pllonet/: 1(800) 657-2400 I
Fax 1#: 1(80D) 668-8585 I
Dare: 111103120D412:25 PM I
#I o/Pages 8M/: D
/fyDU /ttn01lllY"",bIOtS",ld, 1/'0 rtulpl'fthif[ta,pl<JUe ••"ttW the .porlltID'" d.,artmo,,/IJI dIe numb".
".'ed /Jbap". Fa, IIIl Dlher glld/lllns, plel1So ak tD spellk to II Cr/Sla,1W RtlaOoRJ AIXDunt lIfon",,,,.
File Identificatioll
Bol'rower: INlvle Samaan Job Type: jFlekl 2000
Loall Number: 181737375
:;::::;:;;::::;:::;::::;::;::::::::::..----.
Property Addrus: /320 S. Peck Drive IlBeverly Hills I~ \902121
Rep/ew Vallie: Iplease see allached document~. I
Toml Fee: I $255.00·1 AmountPaid: I $0.00 I Balance Due: I $255.00 I
Additional Comments
-112-
&rstem lltgla"aIOffru:
700 CbeninBtoA hrIcmI)" ColoopoUs. PA 15101
Tan I'mt 1-IDHS7-2400 • Fu: 1-801l-'61-85!S
Notice #3
Exhibits Volume B
B-239
Case 2:08-cv-01550 ?-CW Document 40-3 Filed l 1/2008 Page 15 of 50
• Cllmplele APll/lllSaI. SummlllY Appraisal Report

One-Unit Residential Appraisal Field Review Report
• 81737375
FII8 No. 41004810
The putpDSl ollhls Ippralsal ravlew Is 10 vellIY the Iec:UJa9' of tha facl\J31 data and conclusions and to delermln&lhe
reasonablenoss of lhil value oplnlon conlalnecfin Ihe appraISal report under review. When \he value Is dllermlned 10 be
unreasonabla. Iha review aP\ll1!lSei Is teq\llred 10 develop and report his or h.. own "nlon of value. Thelnlended use 01 tbls
raport Is lor qualhy assurancalor lbe lenilellcllelll and may ba used as part of a slalallcensing or regulalDlY board referral.
!'roo Addtess32D S. Pack DriIII C Bw Hils SlateCA. Coda 90212
aI 0 lion el7 I Lol 252 Los Anoeles
Assessors Parc:eI No. 432&-024-023 Mao ReI...once632·F3 Cen!lllS t 70 0.00
Wl'S • OwnerZenltk
Pro ell X Fee S Ie Leasl!hold ed l' e Condo PUD erall.a
l.Dan No. 81737375 E1fediVa DaI 01 0 InaI ADomlsal 101212004 Manufedurod HtIIIslna YES X NO
SCOPE OF WORK: In order 10 make a delermlnatlon aalD Iha reasonableness of the olllnlan oJ value, Ihe revi!lYlBPpralser
has. at a minimum. read Ihe enllre ePl!raIsal report under revlew.ll1SDIded lbe sul1lecl proP1!l:ly and comparable sales
described In the appraise' fElM!rt lrom \he street. Inspected the n~hborhood In v/hlC!l Ilia subJeclls located. resaarc:hed aD
ap~raprtale dala. verined the dala In Itte aDDtBlsat report using aU reliable saun:es. and assumed lbe properly cilndllon reported
In Ihe original appraisal Is aeeurale unless'therels a\lidence to Iha contrary.
lithe review appn>lser determines Ihe opinion of value Is unreasoneble, be or ahe Is r!'/lulred 10 plO'llcle an opinion of value. The
Ui~~ ~~~=:1::,~~~=~~~~:~~,g~~r~b~:.I'o":'':~' ~:~3t,,":,J~~~lsal
revi
lJJiIlo
I re
:::::Onab .. he or she mU5 p""s::\

aI AIIB,alsal PlacUte (lJSPAP) and are extended to
:sJIO~~~~lh2;..R~1=:~~=~~~:::I~":!'~~
value In acooidarK:e wllb the IIlIpllcable secllon 0'
Standard 1 allhe USPAP.
==
t~s report by llie U5e 01 an IUlraordlnary
c:: Xr~Tta opinIon 01
Section I· Complete for all assignments
1. ProvIda a saleJltanslei and IlsUng hislOly 10' Ihe sulljecl property lor e nWllmUm olIhreeY~ ~~ 10
artnlnal ennralslll mlhe Inronn.uon Is _able to in Ihe ncnnel COUlSe usIness from
the
e1fedive dale of lhe
Safa'Rfrordino Dale SalesPrtce UsUAskino Price GranlorlGranlee Dale Source

No Reoorted Transf... wlih the
asl38 months. aer oub1lc records.
Analvze salellransler hlslarv for Ihe Bub and """'It Us Imoatlll anv. an Ihevalueoolnlon In lbe B~raI&aI reoorl under ,mew:
I~' \he ep~sal report oonlaIn \he ep~= PIlar sale(s~::uor pIi<lr r..Ung(s) of lhesubJecl property,;::t comparablesales,
)( YES NO-e>coIaln. Nn "",art"" BT\'.Ilhln the I 36 ~onllls. Ml.SII04-086856lndicates su eclls IIs1ed for S1 69S 000
and was l!llOOSed 10 lbe markel for 52 davs. Sales a"""""enl was not DrOIIlded for reviev/.
2- s1ha dala In the ;!ODralsel reDorIlucluBl ond aCClB8IA? X VES-oJOVide a brier s"~mA~. Nl>-exD1aIn aM comolele Sec1lon II.
Overall da aorovlded within the """'.. A•• ears reasonabla with Dr/It minor dala disClMancl Ilc reeools and MlS
.eriflCBllon 01 dala.
x YES-O"';'!<iR e b,iEf summ:ml

/!i
3. ~":" nnal opinion of markel value lhe subjed JlfOPetly reasonabl9 as
NO_lain and ~B S
"'the elfecUve dale "'!be appraisal under,..,1ew?
III Fin'" -timBl" Is Wilhln standard revltl'ovnuldEfines
fa;' valuevariancelllld Is 1I1ere10", auoDllrled,
.~
1. ~1h:anelu.M;the~~:M""'''' . I.'
YES-otavld9 a brief sum;;;;;;;;: NCl-elalIBIn.
2. Pi"~:Y51s ollhe aile, lncIudlngrn.~ppar9rll adverse .lIe condlUons and !he highest and besl use, complete and aCl'Unila?
rtlYlde a bIlef summaN. Q.emIaln.
3. Are Ibe:mnlno dassitaUan. desalDUon. and DOIIlll&l!nca 1lIXUBIe? YES-omvIda 8 Mel summa.... NQ-elIllIai·
4. Is lI1e dala In !he ImDlOvetlMls .selion comnlate and aCClnle7 VES-1lTtW1de 8 brier S1I1lIiliiN. NOoBlCDlaIn.
- .:-'1-
Notice #3
Exhibits Volume B
B-240
Case 2:08-cv-01550 p-cw Document 40-3 Filed <.. 1/2008 Page 16 of 50
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EXHIBITQ
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-114-

Notice #3
Exhibits Volume B
B-241
Filed l 1/2008 Page 17 of 50
Case 2:08-cv-01550 ?-CW Document 40-3
.>i
.L.ic&'s Wholesale Lender

Submission Approval
f
COUNTRYWIDE HOME LOANS, INC. KICBllEL JlIM!:S 0 'REILLY DRA PACIFIC
MORTGAG& CONSUL7ANTS
Branch t: 0000933 _Conlact VICTOR PARKS

150 LINDAl\O ST1lE£T sn: 11 0
SlIN RlI!"AEL, CA 94903 l!Iokor Phon.:
Phone: (4151251-2101
Far. Iln>kor Fax I/:
If you have questions about this letter, please contact us at the phone lIWllber above.
Loan number 83137315 has been reviewed'at the following terms ~or NIVIE SAMAAN:
ClcClIP"""YT"",: OWNER 0CCtl!? reo

Documentalll>n'TYPe: REDUCED
Flnance~: PUIlCHASE IlI>l<Grado: N/A
Ptupnrty Addreoo:320 5 PECK DR erodl\S"",,: 123
BEVERLY HlloLS, CA
90212-3715 Look Expiration
Date:
Property Typo: SFIl
Usn~: First
lolll'lAmounl Apprab;1. Value 6al.. PrIoe LlVICL1V

1,374,400.00 0.00 1,718,000.00 BO.OO 1 90.00
QIalllj4ngRete &larI Rete RIbalsPIs Dlo<>Pb
10.500 5.500 0.000 0.000
Index Margin TOlin Prepayment Ponally?
2.461 2.250 360 No, No. of Moe. 0
:nus loan is APPROVED subject to the satisfactory completion of the specific conditions
listed below. It is important to submit all prior to document conditions in a timely manner
to ensure timely issuance nf your loan documents. This approval is valid based on the
expiration date indicated on your CWIlC a-Approve or 120· days f:rom the oldest credit or
appraisal document used for this transaction. Changes in the borrower(sl financial status or
employmsnt during this period may invalidate this approval.
-ror non-conforming A-paper products the appraiSal is valid £or 60 days.
Clo.aiag documtt:tJt;.G "ill be ~d. ava.t.lable when the follo\ling' conditiotul are m~t:
c<>nditioQ Condition Desc/Colamente
1 lU'l'RAISI\L-AilDElmUll FRctl lU'l'JIA]:SI\L 1lEGA1IDINIl. _

IIppxai.ers l i....nse, appraiser witb All or lUI designation must
co-sign appraisal r. ,"uk box iJldi...Unq "llid Inspect Property'
COOl1ECIED/SIIlIlUl 1003 tAT LOClI-Ill-I\AT1i:)
Rho" type of business
3 Pricia!J to be "or""cted to eb"" • 7S~ adll to feo for this enluulced

ox"option proqrlllll
P:toVide CCCIlplete executCtd purchase contraet # esCJ:O\t ins'tX'Uc:t1gns
wUI not "et .... " oul>stitute
stat"""",t from Muvaret slUIIaan .talling borrower be. full IUld

uor<tS1:r1ete<1 use of joint funds in llFB t681-4098380
Letter of explanatioD "by ondit report refleces address of 5353
San Vi"onte Blvd, Lo. Angeles as of 1/04
(Page 1 of 2 11/03/2004 16:04:53)

.. ut.DERWIIll'lNG~NDm[]'UErrER·WLD
2el!81-US~(dl
-115-
1111
'28991' 08118"815000002&2 l'
z. e Or
Notice #3
Exhibits Volume B
B-242
Filed L 1/2008 Page 18 of 50
Case 2:08-cv-01550 p-CW Document 40-3
~(f;;)----
•BoIrOWllI'.N""'.: .....;SAMIIAN===,.....::N"'IV=IE:=- _
II. "Ul be able to fUDd your 10All wban ~hQ foUonn, conditions ""a ....t (tbese it..... "ill 'llsn appsar
on YOIIr closu, inotruetions) I
Condition C""dition D""c/COIl'IIIenta
7 APPRAISAL-ACCEPDBLE CIlL/HEIl APPRAISAL (HIN VllJo"$_)

if not funded by 12/2 p.tOVide a
drivebY "xt aa a recut
APPRAISlIlr-Jll'PRAIS£I\ TO I!!W'1rDS CllRl\EIlT LICENSE:

ProYide a150 an aclditional set of color pllotos
9 BIlOltER CEl\'1'IFlCATIOH IIIlI:f IlLL COPIES ARE IROE AND CORRECT
10 lJE1,OC - CO!1Y Qr FIRST I1DRTG~Ge: NOTE

Col>cw:rent olose l<itb 2nd "t $I 11900 , provide note
11 INCQHE;~LE'Il1:ISIGNE:IlFORl1 4506 I 95-01
12 CoUact $400 apprUs;>.l field review fee fro.. brwr in e.=ow
13 1W bk stmt 1691-4098380 for 7/12 th"" 0/12 at S190k
1'haDk you fo%' aubad.t.ting your loan to Count.rywide, Alnerica.·. Wholesale Lende:c J We s!Qce:rely app%Qciate
yaur- business.
DXAllIl FRAZISR 10/29/2004
Pate
_({~k _
Date
DVP/RVP/RSH Date
1110 following cond1t1on& have been sat.1.stie4 and are shown here for rAte:%ence onl.y:
Condition· Deec/COIIllIlents
---------- BOAAOIl&R IIllttIEH EX!'LANJlIIOIl REGllIlDIRG _
Acceptable axplao"t1oD wby bUcUless in 411 reverse i. 00 1227 So
Alfred, 1.. 1..
Corp approval req'd for tlli. enbanc..d pr""".... wi .15' add.d to

tel> , any conditions, ptoYide .. cOlllplete copy paekage along with
all COIlditions in triplicate
vorify $30k De deposit wi escrOW wi sourCe ....rified
ProvJ.de 03' blJ5iDess licen... or CPA letter verifying filed last 2

yrs 1040's as self employed .BIOe location
APPRAISAL-ACQ:J?tJ\BLt FIELD lUWIBIl ITO SDPl'OI\T $---l

$1,118,000 prc!1RJll guideline at cost. to llrwr, lorcl6red 10/25/04)
Ace.e.pteble VOR covQ~in9 prelleut :el!Jid~nce, req'd fox 2nd
-116-
(Page 2 of 2 11/03/2004 18:04:54)
• VNDEIIWMING DEClSIQN,tl()NDmON urrTeR· WIll
2l!26HIS l0a'04
Notice #3
Exhibits Volume B
B-243
Case 2:08-cv-0155C p-cw Document 40-3 Filed l 7/2008 Page 19 of 50
1
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-117-

Notice #3
Exhibits Volume B
B-244
Case 05-90374 Document 260-7 Filed in TXSB on 05/08/09 Page 1 of 35 -,
Countrywide 'Bank, a division of Treasury Bank,

N.A.
ATE: 01/27/2005
225 West fJillcreBt. Drlve
PPLICATION #: 81737383 Thousand Oaks, eli. 91360
YPE OF CREDIT REQUESTED: HOME EQUITY LINE OF CREDIT Phone , IBOO) 13)-4009
Fax: (ODS) 371-6100
ROPERTY ADDRESS: 320 S PECK DR
lVlE SJ\MAAN
221 1/2 S ALFRED STREET

OS ANGELES, CA 90035
NOTICE OF ACTION TAKEN
au recenlly opplied 10 Countrywide Home Loans ("Countrywide") 10 lISsisl you wilh your real eslate financillg needs. As pari of your appllcallon
llcesS, Counrrywide suhmilled your applicalion 10 us,
ountrywide Bank, a division of Treasury Bank, N.A.
·r consldemllon. After carefully reviewing your application, we are sorry In advise you Ihotwe connol gralll a loon 10 you atlhls tlme. If you would
<e a slolemenl of specific reasons why your appllcalion was denied. plesse conloct one of our underwriting specialists 01
800) 731-4099 within 60 days of Ihe dale of Ihis Ieller. We will provide you with Ihe slalemenl of reasons
ilhin 30 days nner receiving your request
redilo(s Nome: Countrywide Bank, a diVision of Treasury Bank,

N.A.
redlto(s Address: 225 W. Hillcrest Dr., MS T0-44

Thousand Oaks, CA 91360
ATTN: UNDERWRmNG OVERSIGHT
We oblained inFormalion from a consumer reporting agency as port of our considerlllion of your applicaUon, ils name, eddress. nnd (lolI·free]
lephone number is shown below. TI,e reporting ageney played no purt In our decision and Is unable to supply specific reasons why we have denied
edillo you. You huve a right under Ihe Falr Credll Reporting ACllO know Ihe Informallon conluined In your credit file althe consumer reporting
:cncy. You have a oghllo a Free copy of your report From Ihe reporting agency, if you requesl it no Ioter than 60 days nfIer you received this notice.
I addition, if you find that any information <ontwoed in Ihe repon you received Is inaccurate or incomplete, you have the righl to dispute the malter
IIh the reporting agency. You enn find out about the information contained in your file (if one w.. used) by conloellng:
arne: LANDSAFB CREDIT

ddress: 1515 WALNUT GROVE AVE
ROSEMEAD, CA 91770
:011 Free) Telephone Number: (800) 447-1692
II1cercly•
•nding Operations
OTIC!!: 111C fed<Rl Bqunl Credil Opponuni,y ACl probib~s credilOrs from discriminating acllinst credit applicanl' on the b..is of nice, ooIor. religion. Dllional
igio, sex, JIllIriIDl slOIU.. aC" (provided lhe IIflplicanl has the CIIfl""ily 10 enler into a binding conlr1tt); because all or p4lt of the applielllll's inc:omc derives fiom any
.blle assistance program; or because the applleanl h.. in good faith exercised auy rigbl under lhe Consumer Credit Proteclion AeL The federal agency thai admi.illCfll
.npUan.e wi'" this law concerning lhi, c,edilor il the
f£ice of the Comptroller of the Currency, Customer Assistance Group 1301 McKinney Street,
uite 3450 Houston, Texas 77010-9050
W1/I\ICOIN
NoUco 01 Action Tokon. Tteasury Bank
J05....US (12103)(d)
•2 S 991 •
-• 081 7 3 7 3 8 S 0 0 000 1 E 0 54'
-118-
Notice #3
Exhibits Volume B
B-245
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EXHIBITS
28
-119-

Notice #3
Exhibits Volume B
B-246
Case 2:08-cv-0155C p-cw Document 40-3 Filed t 7/2008 Paae 22 of 50
--- [
llMn.tUI SOUSA COURT REPORTERS 1'.... 571-0111

I 310-]12-1111 SOUSACOURTREJ'ORl'ERS 714-511.0111
1 THE DEPOSITION" Or NIVIE S.IJiAAN, TAKEN ON BEHALf OF

....'
SUPERIOR COURT or THE STATE OF" CALI FORNIA
COUNT'i OF LOS ANGELES - WEST DISTRICT 2 OEFENDJl.NT AND CROSS-COHPL.\INANT J03EPH ZERNIK, AT $00 SOUTH
3 nGU[RoA STR.EET, 12TH FLOOR, LOS ANGELES, CALIFORNIA, AT
4 10:08 A.M., MONDAY. JULY 10, 2006, BEFORE PATRICIA E.
1 5 NAKANO, C.S.P:. NO. 5624, ;lI. SHORTHAND REPORTER FOR THE STATE
NIVIE SAHAAN, AN INDIVIDUAL, I
f OF CALIFORNIA, PURSUA.NT TO NOTICE.
I
'1 + , •
PLAINTIFF, I
)
8 APPEARANCES or COUNSEL:
VS. ) CASE NO. SC 087400
)
JOSEPH ZEflNIJ<, AN INDIVIDUAL. AND I 10 FOR PLAINTIFF:
DoES 1 THROUGH 20 INCLUSIVE, 1 LAW QrrrCES OF JA. YR. STE-HI

11
10 I
12 BY: JAY R. STEIN, ESQ.
DEFENDANTS. I
11
_ _-,- 1 13 1801 CENTURY PARK EAST
AND ALL RELATED CROSS-ACTIONS. I
14 SUITE ~400
12 -------------, IS LOS ANGgLES, CALIroRNIA 9006'7-2326
13
14
'5
11
16 DEPOSITION OF NIVIE sAMMH
l'7 LOS ANGt;LES, CALIFORNIA 18 FOR DEFENDANT AND CROSS-COMPLAINANT JOSEPH ZERNII<:
18 MONDAY, JULY 10, 2006 19 SULLIVAN, WORIQiAtl , DEE. LJ.,.P

19
20 BY: CHARLES D. CUMMINGS, ESQ.
20
21 REPORTED BY: 21 800 SOUTH FIGUEROA STREET
PATRICIA E. NAKANO 12TH FLOOR

22
22 C.S.R. NO. 5624
23 LOS ANGELES, CALlFORtiIA 90017
JOB NO. 547246
23
24
25
N'IVIE SAMAAN 1/1GJD6

NlVlE SAMAAH' 7Il{11Q6
1- -1
J
Jlo.l7Z.1111 SOUSACOURTR.EPORTERS 11.o1-SlI-0111

IIM7l-1l11 SOUSAcoURTREPORTa.S 71+571-CHl
r------
Plgcl
.....
APPEARANCES OF COUNSEL: I COOT. }
, I NO E X
2 WITNESS:
3 NIVIE SAMAAN
FOR CROSS-DEFENDANTS COLDWELL BANKER RESIDENTIAL
4
BROKERAGE AND MICflAEL LIBOH: 5 EXAMINATION BY: PAGE:
6 HR. CUMMINGS 5
COLDllELL BANKER RESIDENTIAL BROKERAGE CO!IPANY
7
6 TIlE LAII DEPARTMENT
6
11611 SAN VICENTE BOULEVARD EXHIBITS
9
NINTH FLOOR 10
DEFEN DANT I S PAGE:
LOS ANGELES, CALIFORNIA 90049-6510
11
10 (N(Jr PRESENT)
1 - NOTICE OF DEPOSITION AND DOCUMENT PRODUCTION 16
11 12 OF HIVIE SAMAAN, SEVEN PAGES
12 ALSO PRESENT: ]3 2 - VARIOUS DOCUMENTS, BATES STAMPED SOOOl 18
THROUGH S0116, ]}6 PAGES

13 JAE LLOYD
14 JOSEPH ZERNIK. (PAGE 9 TO PAGE 571

14
3 - PHOTOCOPY OF CHEC~ NO. 1014, DATED 9/24/04,
,.
15 IS IN THE AMOUNT OF SlS,OOO, OIlE PAGE
16 16 .. _ LETTER, DATED SEPTEMBER 30, 2004, ONE PAGE 91
11 5 - LETTER, nAnD SEPTEMBER 30, 2004, ONE PAGE 92

11
18 6 - LETTER, DATED OCTOBER 6, 2004, ONE PAGE 92
IB
19 7 _ LETTER .. DATED SEPTEMBER 23, 2004, ONE PAGE 93
19 20 8 - LETTER, DATED SEPTEMBER 23, 2004, ONE PAGE 94
20 21 9 - LETTER, DATED OCTOBER 5, 2004, ONE PAGE 91

22 10 - FAX COVER SNRRT FROM MICHAEL J. LIBOII, 99
21
22 -1 0- 23
10/15/04, WITH ATTACH£O OOCUMENTS, SIX PAGES
23 11 - DOCUMENT, DATED NOVEMBER 8, 2004, FRCH GAIL 101
24 24 HERSHOWITZ, ONE PAGE
25 25
NIViE SAMAAN 1/t0A:l6

N1V1E SAMAAN 1110106 Notice #3
Exhibits Volume 8
8-247
r". ~ "".1"\0 1"\1r::.r::.r P-CW------ .n('\('llmAnt d.()-~ FilAn (
llD-In.1111 SOUSA COURT REPORTERS 7I.1-;11..{)111 310-)11-1111 SOlJSACOIJltTREPORTERS lI~S7J..Q111
p... '
1 EVEN THOUGH THESE ARE INFORMAL PROCEEDINGS, AND
.....
LOS ANGELES, CALIFORNIA; MONDAY, JULY 10, 2006
10:08 A.M. 2 THEY'RE IN MY OFFICE, THE OATH YOU'VE TAJ<EN IS THE SAME
3 OATH THAT YOU WOULD TAKE I F yOu HERE IN COURT I AND
NIVIE SAMAAN, 4 YOU'RE SUBJECT TO THE SAME PENALTIES IF yOU DON'T TELL
THE WITNESS HEREIN, HAVING BEEN FIRST 5 THE TRUTH AS IF yOU WERE IN COURT AND DIDN'T TELL THE
DULY .1WMIN1STERED THE OATH, WAS EXAMINED 6 TRUTH.
AND TESTI rIED AS F"QLLQWS: 7 00 YOU UNDERSTAND THAT?
A. YES.
EXAMI NAT ION O. IF YOU DON'T UNDERSTAND 1\ QUEST lON, I DOH"T
10 BY HR. CUMMINGS: 10 WANT YOlf TO ANSWER THE QUESTION. I WANT yOU TO TELL ME
11 o. CAN YOU PLEASE STATE AND SPELL YOUR fULL NlIHE 11 YOU DON'T UNDERSTAND IT, WHY IT IS YOU DON'T UNDERSTAND
12 rQR THE RECORD. 12 IT. I'LL ATTEMPT TO REPHRASE IT SO THAT YOU DO
lJ A. NIVIE SAHAAN, N-I-V-]-E S-A-M-I\-A-N. 13 UNDERSTAND IT.
14 O. I' M GOING TO GIVE YOU SoME INSTRUCTIONS NOW 14 IF MY VOICE DROPS AND YOU DON'T CLEARLY HE.\R A
15 THAT WE TRY TO FOLLOW IN A DEPOSITION. 15 QUESTION, LET HE KNOW. I'LL EITHER RESTATE THE QUESTION
16 ONE or THE MOST IMPORTANT THINGS IS THAT ONLY 16 OR ASK THE REPORTER TO REl\D THE QUESTION BACK TO YOU.
J7 ONE OF US SPEAl< I\T A TIME; AND, TH~REFORE, IF AT ANY 17 IF YOU ANSWER A QUESTION, I'LL ASSUME THAT YOU
IB TIME DURING THESE PROCEEDINGS I START A QUESTION BEFOR~ 18 HEARD THE QUES'lION, YOU UNDERSTOOD THE QUESTION, YOU'RE
]9 YOU'VE COIlPLETED YOUR ANSWER, PLEASE TELL ME, AND I'LL 19 ANSWERING THAT QUESTION, NO? SOME OTHER QUESTION.
2D LET YOU COMPLETE YOUR ANSWER. 20 IF, AS WE GO THROUGH THE PROCEEDINGS, YOU THINK
21 IT'S IMPORTANT THAT ALL or YOUR ANSWERS BE IN 21 OF SOMETHING THAT WOULD CLARIFY OR MODI FY A PRIOR ANSWER
22 AUDIBLE WORDS IN mE ENGLISH LANGUAGE, RATHER THAN NODS 22 YOU °VE GIVEN TO A PRIOR QUESTION, YOU JUST TELL US, AND
23 OR SHAKES 0>' THE HEAD OR UTTERANCES SUCH AS ·UH-HUH" OR 23 YOU CAN GO BACK AND MODI FY YOUR ANSWER.
24 "HUH-UH. " THE REASON FOR THAT rs so THAT WE HAVE A 24 I [" YOU WANT TO GET WATER OR COfFEE OR USE THE
25 cLEAR RECORD. 25 RESTROOM, JUST TELL US. AND WE I LL TAKE A BREAK.
NlVlESAMAAN 7IIQ106 NIVlE SAMAAN 1flOAXi
11~J12_1111 SOUSA COURT REPORTERS 714-571-0111 31().)71al111 SOUSA COUKTREPORTEHS 714-Sil..JI)
ARE YOU AWARE OF ANY PHYSICAL OR MEDICAL I THE DEPOSITION NOTICE THAT WE RECEIVED; IS THAT CORRECT,?
2 CONDITION THAT YOU HAVE THAT WOULD PR!VEtrr YOU rR~ MR. CUMMINGS: TtlAT I S CORRECT.
3 GIVING YOUR BEST TESTIMONY HERE TODAY? MR. STEIN: OKAY. TlIANK YOU.
A. NO. 4 BY MR. CUMMINGS:
Q. ARE YOU CURRENTLY TAKING ANY MEDICATIoNS OF ANY Q. ALSO, AFTER THESE PROCEEDINGS ARE CONCLUDED,
6 KIND THAT WOULD AFFECT YOUR ABILITY TO RECALL AND 6 YOU'LL HAVE AN OPPORTUNITY TO REVIEW YOUR DEPOSITION.
1 RECOLLECT EVENTS l' 1 HAKE ANY CHANGES IN IT AND ANY CORRECTIONS THAT YOU tiANT
A. NO. B TO; SO TO THE EXTENT YOU 00 SO, J' LL HAVE THB
O. WHAT'S YOUR DATE OF BIRTH? 9 OPPORTUNITY TO C<»fiENT ON THOSE AT THE TRIAL OR OTHER
10 A. 11/6/66. 10 PROCEEDINGS IN THIS ACtION. SO TIW TO GIVE YOUR BEST
11 HR. STEIN: COUNSEL, BEFORE WE GO HITH SUBSTANTIVE 11 TESTIMONV.
12 QUESTIONS, ~ WE PUT ON THE RECORD THE STATUS OF 12 WILL YOU PLEASE LooK AT TilE NOTICE OF
13 HR. LIBOW'S REPRESENTATION OR LACK HEREOF AT THIS 13 DEPOSITIOII.
14 DEPOSITION? I '0 LIKE IT ON THE RECORD THAT THEY CHOSE 14 HAVE YOU HAD A CHANCE TO READ OVER THAT?
15 NOT TO APPEAR. 15 1\. NO.
16 MR. CmDolINGS: SURE. I CALLED A FEW MINUTES AGO BY 16 Q. WOULD YOU TAKE A CHANCE TO READ OVER THAT ~
11 TELEPHONE MR.' SHULKIN" 5 OFFICE.. I SPOl<E TO SOMEBODY, 11 PARTICULARLY IF YOU COULD LOOK I\T WHAT IS REFERRED TO AS
1a WHOSE NAME I DON I T REMEMBER. BUT WHO IDENTIFIED HERSELF, 1 El EXHIBIT A, AND I E" YOU COULD TELL ME IF 'tou HAVE BROUGHT
19 A W(JIfAN, WHO IS ONE OF HIS ASSISTANTS, WHO SAID HE WAS 19 WITH YOU ALL THE DOCUMENTS DESCRIBED ON EXHIBIT A, TO
20 NOT IN. I ASKED IF HE WAS COMING TO THE DEPOSITION Of' 20 THE BEST OF YOUR KNOWLEDGE.
21 MS. S1I.HJUlN TODAY IN THE ZERNIK/SAMAAN M1\'rTF.R, ;\NO r WA,C:; 21 A. I HAVE DocUMENTS WITH ME. I DON"T KNOW IF
22 INFORMED THAT NOBODY FRCN THEIR OFFICE WAS COHING, AND -1 1- 22 THOSE ME THE DOCUMENTS OR NOT.
23 Tf{}l,T'S WHY WE COMMENCED WITH THE DEPOSITIOtl. 23 O. MAYBE YOUR COUNSEL CAN.
24 MR. STEIN: AND JUST FOR THE RECORO, THEY DID 24 HR. STEIN: FOR THE RECORD, WE ARE PRODUCING
25 RECEIVE NOTICE OF THE DEPOSITION IN ADVANCE PURSUANT TO 25 DOCUMENTS NOS. S()Ot THROUGH 50116, WHICH ARE RESPONSIVE
NIVIESAMAAN 71JM16 Notice #3

Exhibits Volume B
R-?Ml
Case 2:08-cv-0155C. p-cw Document 40-3 Filed l 1/2008 Page 24 of 50
1I()'31l:·11l1 SOUSA COURT RF.POHTERS 11-&--i11.(JJIl JIO-17l-1111 SOUSACQURTREPORlERS 71.,f~i1I-0111
r",e10
1 TO THESE REQUESTS. IN AlJIHTION, THE PLAINTIfF HAS 0. ARE YOU CURRENTLY MARRIED?
2 ALREADY PRODUCED coPI ES OF THE Fl LES OF COLDWELL BANKER A. YES.
3 AND MARA ESCROW, WHICH ARE NOT INCLUDED WITHIN TH]S Q. WHAT'S THE DATE OF YOUR MARRIAGE?
PRODUCTION. IF YOU WOULD LJ KE, WE CAN HAKE THIS .I\N A. SEPTEMBER 19, 2004.
5 EXHIBIT NUMBER. I DON'T KNOW. THAT'S UP TO you. AS YOU Q. WHERE WERE YOU HARRIED?
6 SO PLEASE. A. HAWAII.
HR. CUMMINGS: THEY'RE BATES STAMPED. THAT'S FINE. O. ItlHAT I S THE NAME Or YOUR SPOUSE?
(MR. ZERNIK ENTERS THE DEPOSITION A. JAE R. LLOYD.
9 RO<X<.I Q. WHERE 00 YOU CURRENTLY RESIDE?
10 BY MR. CUMMINGS: 10 A. 133 SOUTH PECK DRIVE, NO. 104, BEVERLY HILLS,
11 O. HS. s.~, I' LL ASK YOU TO SIMPLY LOOK .'\T THIS 11 90212.
12 STACK OF DOCUMgNTS THAT YOUR COUNSEL'S PRODUCED. 12 Q. 00 YOU OWN THAT PROPERTY?
13 KAVE YOU LOOKED AT THE DOCUMENTS YOU BROUGHT 13 A. NO.
14 WITH YOU HERE TODAY? 14 Q. 00 YOU RENT 'I1IAT PROPEP.Tn
15 A. YES. 15 A. YES.
16 O. TO YOUR KNOWLEDGE, OTHER THAN THE OOCUI'IENTS 16 Q. WHEN DID YOU MOVE INTO THAT PROPERTY?
17 YOU'VE RECEIVED OR YOUR ATTORNEY'S RECEIVED IN THIS 17 A. ARE YOU ASKING WHEN I HOVED INTO THE PROPERTY?
18 ACTION FROM MARA ESCROW CONPANY AND FROM COLDWELL 18 Q. YES.
19 BANKER, ARE YOU AWARE OF ANY OTHER DOCUMENTS THAT RELATE 19 1\. SEPTEMBER OF 2004.
20 TO THIS LAWSUIT, OTH£~ THAN Cet-fMUNIC1\TIONS WITH YOUR 20 Q. DID YOUR HUSBAND RENT THE PROPERTY BEFORE YOU
21 ATTORNEY? 21 HOVED IN?
22 A. NO. 22 A. YES.
23 O. NOW, HAVE YOU EVER BEING KNOWN BY ANY OTHER 23 0. IS THAT ADDRESS ON PECK THE LOCATION WHERE YOU
24 NAME? 24 AND YOUR HUSBAND HAVE RESIDED SINCE YOU WERE MARRIED?
25 A. NO. 2S A. YES.
NlVlESAMAAN 7110106 NlVIE S"MAAN' 1/10.Q6
f - - - - - - - - - - - - - - - - . - ..-~---.- ..-.~~.--+_--------------------------j
:no.312·JHI SOUSA COURT REPORTERS 71-4-;;71-0111 310-172-1111 SOUSACOURTREPOllTER8 11-4-571..0111
Pille II
Q. HAVE YOU EVER BEEN CONVICTED OF A FELONY? O. WHAT YEAR 010 YOU ATTEND THERE OR OBTAIN THAT'?
A. NO. A. I BELIEVE IT WAS '88 TO '90.
Q. WHERE WERE YOU BORN? Q. DID YOU TAKE ANY OTHE:R FORMAL EDUCATION AFTER
A. CAIRO I EGYPT. 4 THAT?
5 Q. WHEN DID YDIl COME TO THE UNITED STATES? A. 1 OBTAINED MY REAL ESTATE LICENSE.
6 A. 1969. Q. WHEN DID YOU DO THAT?
7 Q. DID YOU GRADUATE FROM HIGH SCHOOL? A. IN MARCH OF 2003.
A. YES. o. WHAT COURSE OF STUDY DID YOU TAl<E TO OBTAIN
Q. WHAT YEAR? 9 YOUR REAL ESTATE LICENSE?
10 A. 1985. 10 A. I WENT THROUGH A REAL ESTATE COURSE THROUGH
11 Q. WHAT HIGH SCHOOL? II CENTURY 21.
12 A. BYER HIGH SCHQQL IN MODESTO, CALIFORNIA. 12 O. HON LONG DID YOU TAKE THOSE COURSES?
13 Q. HOW 00 YOU SPELL THAT? 13 A. SIX MONTHS.
14 A. 8-Y-E-R. 14 o. DID YOU PASS THE TEST THE fIRST TIME YOU TOOK
15 Q. DID YOU ATTEND COLLEGE? 15 IT?
16 A. YES. 16 A. YES.
17 Q. WHAT'S THE FIRST COLLEGE YOU ATTENDED? 17 O. HAD YOU EVER HORKED IN 'THE REAL ESTATE BUSINESS
18 A. NATIONAL EDllCATI ON CENTER. IT'S A TRADE 16 BEFORE YOU PASSED YOUR TEST FOR A REAL ESTATE AGENT'S
19 SCHOOL. 19 LICENSE?
20 Q. WHERE IS THAT? 20 A. NO.
21 A. CITY OF COMMERCE. 21 O. DESCRIBE YOUR NORK EXPERIENCE IN A
22 Q. WHAT COURSE OF STUlJY CAN YOU TAKE THERE? -1 2- 22 cHRONOLOGICAL ORDER AFTEf; YOU GRADUATED FROM YOUR
23 A. GENERAL, BUSINESS. 23 BUSINESS SCHOOL UNTIL YOU DBTAINEO YOUR REAL ESTATE
24 Q. DID YOU OBTAIN ANY CERTIFICATE? 24 LICENSE.
25 A. AN A.A. DEGREE IN BUSINESS. 25 A. 1 WORKED IN AN INVESTMENT BANK] HG CQHPANY AS AN
NJVlE SAMAAl'f 7f1M16 NlVlE SAMAAN 1/1Ml6

Notlc::e#3'''~
Exhibits Volume B
B-249
-
Case 2:08-cv-0155G
----_ _------ ..
p-cw Document 40-3 Filed l 7/2008 Page 25 of 50
)to..:m.. 1111 SOUSACOlJRTREPORTEflS 11.J--j7HHII 11o-l1l-.1111 SOUSACOURTREPOaTE.RS 71M11-OII1
1 ASSISTANT 1'01'H£ PRESILJENT. 1 WORKElJ IN THREE DOCTORS' j GRIfFIN'?'
2 Of'rTCES; ONE AS AN OFFICE MANAGER; ONE A.S .A BUILDING A. I DON'T RECALL. 1 WOULD HAVE TO LOOK AT MY
3 MANAGER; AND THE OTHER AS A RECEPTIONIST, VARIOUS OfFICE 3 NOTES.
.. WORK I AND THEN I GOT INTO RETAIL AND COSMETICS. O. CAN 'tOU GIVE HE YOUR BEST ESTIKATE?
O. OKAY. AITER YOU OBTAINED YOUR REAL ESTATE A. EITHER APRIL oR MAY OF 2004 -- 2003.
6 LICENSE, HAS YOUR LIceNSE BEEN PLACE1..l WITH ANY BROKER? 0, BETWEEN THE TIME TH.l\T YOU FIRST WENT TO
A. YES. 7 GILLERAN GRIFFIN AND BEFORE YOU EVER DID ANYTHING
Q. HAS IT BEEN PLACED WITH MORE THAN ONE BROKER? 8 REGARDING PROPERTY INVOLVED IN THIS LAWSUU', WERE YOU AN
A. NO. 9 AGENT ON ANY TRANSACTIONS THAT CLOSED?
10 O. WHAT BROKER KAS IT BEEN PLACED WITH"? 10 A. NO.
II A. GILLERAN GRIFFIN REALTORS. 11 Q. DID YOU WORK ON ]>.,Ny TRANSACTIONS?
12 O. WHERE ARE THEY LOCATED? 12 A. liD.
13 A. WESTWOOD. 13 O. WHAT DID YOU DO DURING THAT TIME AS AN AGENT?
14 O. WHAT'S THE ADDRESS? 14 A. I DIDN'T DO ANYTH1NG.
15 A. 1575 WEST~OOD BOULEVARD, SUITE 300, LOS ANGELES 15 Q, DID YOU CONTINUE TO WORK IN OTHER EMPLOYMENT"?
16 90024. 16 A. YEs.
17 Q. WHAT'S THE NAME OF THE RESPONSIBLE BROKER IN 17 Q. WHAT OTHER EMPLOYMENT?
18 THE OFFICE? 18 A. BARNEY·S NEW YORK.
19 A. THERE ARE TWO: THE OWNER IS T.J. GILLER.'\N; THE 19 Q. WHAT IS THAT'?
20 MANAGER OF THE OFFlCE. WHICH IS ALSO ,~ BROKER, IS RANDY 20 A.. A R[TAl L ESTA.BLIS~£NT.
21 SPAULDING. 21 Q. WHERE IS IT LOCATED?
22 O. IS T. J. GILLERAN A MAN OR A WOMAN? 22 A. 9575 WILSHIRE BOULEVARD, BEVERLY HILLS, 90212.
23 A. A MAlI. 23 O. WHAT KIND Of RETAIL ESTABLISHMENT IS IT?
24 O. .'fTER YOU GOT YOUR P.EAL ESTATE LICENSE -- 24 A. IT'S A DEPARTMENT STOR ••
25 ExcusE HE -- WHEN WAS IT FIRST PLACeD WITH GILLERAN >5 O. AND WHAT IS YOUR POSITION THERE?
NlVlE SAMAoAN 7110106 NlVJE SAMAAN 7J1().()6
lIo-312-11I1 SOUSACOURTREPORnRS 11 .....571-011. 310.]12·1111 SOUSA COURT REPeRlERS 114-S1J-0111
PaIt'IS
A. I WAS IN COSMETICS AS A SlILESPERSON. BUYER AND THE S.LLER?
O. ARE YOU STILL THERE? A. YES.
3 A. NO. O. AND DID YOU L.ARN THAT ANY cHANGES TO THE
4 O. WHEN DID YOU CEASE THAT EMPLOYMENT? 4 CONTRACT HAVE TO BE IN WRITING SIGNED BY THE BUYER AND
A. AUGUST OF 2004. 5 THE SELLER?
O. AND WHEN DID YOU COMMI'NCE YOUR E:MPLOYMENT WITH A. YES.
1 BARNEY'S? o. AND 01 D YOU LE:ARN THAT I, YOU WERE GOING TO BE
A. WHEN DID I BEGIN MY EMPLOYMENT WITI1 BARNEY'S? B A RI'lIL .STATE AGENT roR A PARTY TO A CONTRACT -- STRIKE
9 O. CORRECT. 9 THAT -- IF YOU·R. GOING TO BE A REAL ESTATE AGENT TO A
10 A. FIVE YEARS PRIOR TO THAT. 10 S.LLER TO A CONTRACT, YOU HAD TO HAVE AN AGRE.MENT IN
11 Q. IN CONNEqION WITH YOUR EDUCATION. THE COURSE 11 WRITING?
12 OF STUDY THAT YOU TOOK TO OBTAIN YOUR RElIL ESTATE 12 A. YES.
13 LICENSE, DID YOU TAKE ANY COURSES THAT DEALT WITH O. AND DID YOU UNDERSTAND THAT AN AGENT'S
14 CONTRACTS? 14 AUTHORITY TO ACT FOR THE SELLER TO MOOI FY ANY TERMS OF
,15 A. CAN YOU REPEAT THAT? 15 AN AGREEMENT ENTERED INTO ,OR TH. PURCHASE OR SALE OF
16 O. IN CONNECTION WITH YOUR RElIL ESTATE COURSES 16 PROPERTY HAD TO BE IN WRITING?
11 THAT YOU TOOK, DID ANY OF THos. COURSES INVOLVE 17 MR. STEIN: I'M GOING TO OBJECT TO THAT BECAUSE IT
1B CONTRACTS FOR THE PURCHASE OR SALE OF PROPERTY? 1B CALLS roR LEGAL CONCLUSION TO BE RENDERED BY HER. ON
19 A. THEY MADE us FAMILIAR WITH THE PURCHASE 19 THE arHER HAND, IF SHE: CAN RESPOND, SHE. SHALL.
20 AGR.EMENT CONTRACT. 20 BY MR. CUMMINGS:
21 Q. STAN'DARD CALI FORNI1\. ASSOCIATION REALTOR FORMS? 21 Q. GO AHF.AO.
22 A. YES. -1 3- 22 A. CAN YOU REPEAT THAT.
23 0, IN CONNECTION WITH THAT COURSE OF STUDY, DID 23 Q. SURE. WHAT I WI\NT TO KNOll IS IN CONNECTION
24 YOU LEARN THAT IN ORDER TO HAV. A CONTRACT !'OR SlILE OF 24 WITH YOUR COURSE OF STUDY, DID YOU LEARN THAT FOR THE
25 PROPERTY, THAT IT HAS TO BE IN WRITING SIGNED BY THE 25 AGENT TO BE AUTHORIZED TO MODIFY ANY CHANGES IN A
NlVIESANAAN 7(10106 NlVlE SAMAAN 7f10K16

Noticif#3·
Exhibits Volume B
B-250
p-cw- DOcllm.....e..woLLt ~--'-L-_-'-F-'-i.u.le""d'--'l 7/2008 Page 26 of 5~ __--,
JJO-J1l-flll SOUSA COURT RE.PORT'ERS 11J-i7'~111 JIG-ln-Ifll SOl!SACOURTRFJ'ORTERS 1fJ..57100'11
1 CONTRACT THAT HAJ) BEEN ENTEREV INTO BY A SELLER, THE UEPOSITION?
2 SELLER HAD TO GIVE THE AGENT THAT AUTHORITY IN WRJT[tfG? MR. Cl..1'NHTNGS: EXHIBIT 1 [S THE NOTICE OF
HR. STEIN: SAME OBJECTION, DEPOS[TION. I'LL HARK AS EXHIBIT 2 THE DOCUHENTS THAi
TilE WITNESS; I DON·T RECALL If' THAT WAS SctlETHING WERE PRODUCED BY 'l'HE DEPONENT AND HAVE BEEN :HARI<ED 50001
5 'tIlAT I LEARNED OR NOT. THROUGH so 116.

6 Br HR. CUMMINGS: MR. STEIN: THAT WILL BE THE COURT REPORTER's COPY,
a. DID YOU AcT AS YOUR OWN AGENT IN THIS AND I HAVE A COpy FOR HER RIGHT HERE.
8 TRANSACTJ ON? MR. CUNMINGS: ALL RIGHT. FINE. THANK YOU.
A. YES. (WHEREUPON THE AFOREMENTIONED DOCUMENTS
10 Q. WAS THERE ANYBODY IN YOUR OFF[CE THAT YOU 10 WERE SUBSEQUENTLY HARKED BY THE REPORTER AS
11 CONSULTEO WITH REGARDING THIS TRANSACTION? 11 [.IEf'EMDANT'S EXHIBITS 1 AND 2 FOR
12 A. IF I nAD QUESTIONS, J WOULD CALL NY MANAGING 12 IDENTIfiCATION AND .&J(E HERETO ATTACHED.)
13 ~ROKER AND ASK HIM. 13 BY MR. CUMMINGS:
14 O. .liliD THAT PERSON'S NAME? 14 O. WHERE DID YOU LEARN ABOUT THE PROPERTY AT 320
15 A. RANDY SPAULDING. 15 SOUTH PECK DRIVE IN BEVERLY HILLS BEING AVAILABLE, BEING
I .ALSO WANT TO NOTE FOR THE RECORD THAT I AM 16 LISTED FOR SALE?
11 ALso A CERTIFIED NOTARY; SO I HAVE TAKEN COURSES IN THAT 17 A. THROUGH MY HUSBAND.
18 N; WELL. 18 Q. WHAT DID HE TELL YOU WHEN HE FIRST TALKED TO
19 Q. HOW LONG RAVE YOU BEEN A NQT.I\RY? )9 YOU ABOUT IT?
20 A. FOR ABOUT A YEAR NOW. 20 A. HE JUST SAID HE WAS TAKING A WALK, AND HE
21 o. SO SQ1ETIME IN 2005 YOU GOt' YOUR LICENSE-! 21 NOTICED THERE ~AS A SIGN FOR A HOME jo'OR SALE ON OUR
22 A_ EITHER 2005 OR TOWARDS THE END OF -- YES, 2005. 22 STREET, AND WE SHOULD TAKE ]I. LOOK AT IT.
23 O. THJ\NI( YOu. 23 Q. WHEN WAS TtlAT?
24 I WILL MARK AS EXHIBIT 2 ~- 24 A. 1 DON'T RECALL.
25 HR. STEIN: COUNSEL, IS EXHIBIT 1 THE NOT[CE OF 25 O. WHAT DID YOU DO IN ORDER TO TAKE A LOOK AT THE
I'fIViE SAMAAN 7fl0r'06 NIVJESAMAAN 7/1lW6
JIO-Jn..tUI sOUSACOURTREI'ORTERS 'J'....S7HU!i }10-l72.IIIISOUSACOURTREPoR'IER.S 7140571-0111
Pea.c J9 P.,cJO
PROPERTY? ACCOUNT?
2 A. I CHECKED IT OUT ON THE ilLS TO SEE HOW MUCH IT A. I DON'T RECALL EXACTLY HOW MUCH I HAD IN THE
3 WAS BEIt4G SOLD FOR AND LOOKED AT SOME OF THE SPECIFICS ACCOUNT.
ON THE PROPERTY, AND THEN WE WENT TO AN OPEN HOUSE. Q. DO YOU HAVE RECORDS THAT SHOW THOSE AMOUNTS '?
Q. AT THE OPEN HOUSE, WAS THE OWNER OF THE .1\. YES, 1 BELIEVE so.
6 PROPERTY THERE? HR. CUMMINGS: I DON'T BELIEVE THOSE IiERE PRODUCED.
7 A. NO. I THINK THEY WERE REQUESTED.
8 0_ liAS A BROKER THERE? MR. STEIN: AT TUE BACK, IN THE LATTER PORTION THERE
9 A. I Doll'T BELIEVE IT WAS THE BROKER. 1 BELIEVE WERE TWO BANI< ACCOUNTS LI STED.
10 IT HAY HAVE BEEN HIS ASSISTANT. 10 MR. CUMMINGS: THEN I ST_I\ND CORRECTED.
11 Q. DO YOU RECALL IIHO WAS THERE FOR THE SELLER'S 11 Q. CAN YOU LOOI< AT THE DOCUMENTS TAAT ARR HARKED
12 REP? 12 As PART OF THE EXHIBIT 2, 50111 THROUGH 50116..
13 A. I BELIEVE IT WAs AN I\SSrSTANT. 13 ARE THOSE THE TWO ACCOUNTS, THE WASHINGTON
Q. DO YOU RECALL THE NAME? 14 MUTUAL ACCOUNT THAT'S IDENTIFIED ON THE S0111 AND THE
15 A. NO. 15 WELLS FARGO ACCOU,,", THAT· 5 ] DENTl FlED ON so 113 THROUGH
16 Q. WAS IT A HAN OR A WOMAN? )6 SO 116 FRett WHAT YOU WERE GOIHG TO HAVE THE SOURCE OF THE
17 A. I BELIEVE IT liAS A WOMAN. 17 DOWN PAYMENT?
18 Q. WHAT WAS TO BE THE SOURCE OF INCOME FOR THE 18 A. YES.
19 DOWN PAYMENT FOR THE PROPERTY? 19 Q. MY OTHER ACCOUNTS?
20 A. HONEY FROII OUR ACCOUNT. 20 A. MY HUSBAND'S -- MY HUSBAND'S ACCOUNT WAS ALso
21 O. WHIIT ACCOUNT? 21 AVAI LAaLE FOR FUNDS.
22 A. OUR BANl<II/G ACcOUNT. -1 4- 22 O. WHERE WAS THAT ACCoUNT?
23 Q. wrTH WHAT BANK? 23 A_ WASHINGTOtf MUTUAL.
24 A. WELLs FARGO. 24 HR. STEIN: JUST FOR THE RECORD, COUHsEL, THE
25 Q. AND HOW MUCH MONEY DID YOU HAVE IN THAT 25 DOCUMENTS S01104 THROUGH 116 REFLECT TNO DIFFERENT BANK
NlVlE SAMAAH JIIMl6 NTVlE SAMAJoN 7/1M16 Notice #3

Exhibits Volume B
.8-251
Case 2:08-cv-0155G p-cw Document 40-3 Filed l 7/2008 Page 27 of 50
-- --------------
316-312:-III! SOUSA COURT REPORTERS 71~)7I..o111 31~ln·1111 SOUSAcCMJRTREPoRJE'RS 7'''·:HJ.o11
P.,.:12
1 ACCOUNTS. A. MY MOTHER.
NR. CUMNIN'GS: r DON'T HAVE AN 50114. O. AND WHAT INTEREST DOES YOUR MOTHER HAVE IN [T,
HR. STEIN: SORRY. 3 AND WHAT INTEREST DO YOU HAVE IN IT1
THE WITNESS: I DON'T EITHER. A. WE HAVE DIFFERENT BUSINESS TRANSACTIONS
NR. STEIN: IS EVERYBODY MISSING IT? 5 TOGETHER; SO WE BOTH HAVE HOKEY IN IT. ] DON'T R£CAl.L
THE WITNESS: YES. 6 THE AMOUNTS Of' EACH.
HR. CUMMINGS: WHY DON'T y~ JUST GIVE IT TO ME, AND O. WHAT BUSINESS ARE YOU IN WITH YOUR MOTHER?
8 !'LLGOCOPYIT. A. ITos NOT A bUSINESS. n"s JUST DIFFERENT --
HR. STErN: YES. HERE. cory THIS TOO. 9 DIFFERENT THINGS THAT WE DO TOGETHER. IT'S JUST AN
10 IS THAT THE ONLY PAGE MISSING? 10 AccOUNT WITH 80TH OF OUR NAMES.
II HR. CUMMINGS: J BELl EVE SO. 11 O. ACCORDING TO SO 113 1 THERE W1\S A BALANCE OF
12 (BRIEF RECESS •• 12 APPROXIMATELY..$181,000.
13 BY HR. CUNHINGS: 13 HOW NUCH OF THAT WJlS YOURS, AND IiOH HUcH WAS
14 O. WE CAN LOOK AT S01l3. THAT'S A -- I'M SORRY. 14 YOUR MOTHER' S l'
15 LET'S GO BACK TO 50112. THAT"S A WASHINGTON MUTUAL 15 A. I DON'T KNOW. I DON'T RECALL.
16 ACCOUNT. 16 O. DO You HAVE ANY ESTIMATE AT ALL l'
11 IS TRAT JUST A REGULAR SAVINGS ACCOUNT? J7 A. NO.
IB A. I .DCfl·T KNOW. MY HUsBAND HANDLES THE FINANCES. IB Q. WAS IT ALL YOUR MOTHER'S?
19 O. WELL, 1'H[S WAS YOUR ACCOUNT, THOUGH, BEFORE YOU 19 A. NO.
20 GOT MARRIED. 20 O. WAS IT ALL YOURS?
21 A. I BELIEVE THIS IS MY CHECKING ACCOUNT. 21 A. NO.
22 a. OKAY. AND LooK]NG AT EXHIBIT -- BATES STAMPED 22 Q. ARE THERE ANY RECORDS THAT REFLECT HOW HUCH WAS
23 NUMBERS 50113 AND s0114, WHAT ACCOUNT [S TH.ll,T? 23 YOURS AND HOW MUCH WAS YOUR MOTHER' S?
24 A. THIS IS MINE AND MY MOTHER'S ACCOUNT. 2' A. NO.
25 Q. YOURS AND WHOSE"? 25 Q. HOW WOULD YOU DETERMINE THAT?
NlVJE SAMAAN 7/10106 NIVIE SAM4AN 1/10106
1---------------------------+------------------------------i
.J1~371·) III SOUSA Crn.m.T REf'ORTRRs 71 .....S7I~J II 310.]71-1111 SOUBACOURTREJ"ORTERS ""·57].0111
PIIIGU
A. WE WOULDN'T. IF ANYTHING WERE: TO HAPPEN TO HE, O. AND YOU STATED THERE WAS ALSO AN ACCOUNT THAT
2 THE HONEY WoULD GO TO MY MOTHER; VICE VERSA. 2 YOUR HUSBAND HAD AT WASHINGTON MUTUAL THAT WAS
Q. OUT OF THAT ACCOUNT, HON MUCH IN SEPTEMBBR AND ) AVA] LABLE'?
4 OCTOBER OF 2004 DID YOU HAVE THE RIGHT TO USE? A. YES.
A. AS MUCH AS I NEEDED. HR. CUMMINGS: I WANT TO SEE THOSE RECQRDS 1 COUNSEL.
Q. ALL OF IT? HR. STEIN: I DON't HAVE THEN HERE TODAY. I'LL
A. IF SO NEEDED, YES. '1 PRQVI DE THEM TO YOU, THOUGH.
O. DO YOU NAVE ANY AGREEMENT WITH YOUR HOTHER 1N MR. CUMMINGS: WE HAVE AN AGREEMENT THAT YOU ILL
9 WRITING TO THAT EFFECT? 9 PROVIDE THEM WITHIN A IfEEK?
10 A. NO. 10 HR. STEIN: SURE.
11 O. WHERE DOES YOUR MOTHER LIVE? 1] HR. cUHMI NGS : TJ1ANK YOU.
12 A. HODESTO, CALIFORNIA. 12 Q. WHOSE NAME WAS ON THAT ACCOUNT IN THE TIME
13 O. AND HER NAME IS MARGARET SAM!UIN? 13 PERIOD SEPTEMBER 1 OCTOBER OF 20041
14 A. YES. 14 A. ON 14HICH ACCOUNT?
15 O. WHAT'S HER ADDRESS? 15 Q. THE ONE THAT YOU Just REFERRED TO AS YOUR
16 A_ 320B JONATHAN LANE, HODESTO, CALIFORNIA 90 -- 16 HUSBAND'S ACCOUNT.
17 95355. 17 A. I BELIEVE HIS NAME NAS ON IT. I'M NOT SURE.
1B O. IS YOUR MOTHER RETIRED, DR DOES SHE WoRJ<? IB O. WHEN YOU E'IRST HADE AN OFFER ON THE PROPERTY --
19 A. SHE NEVER WORKED. 19 1 'M JUST GOING TO REFER TO IT AS THE PECK DR1VE
20 O. THE ADDRESS YOU GAVE ME IS THE PROPERTY THAT 20 PROPERTY, THE PROPERTY AT 320 SOUTH PECI< DRIVE. WHEN
21 SUE OWNS'? 21 YOO FIRST MADE AN OFFER ON THAT PRoPERTY ~ DID YOll H,JI,fCF';
22 A. YES. -1 5- 22 TKAT OFfER IN YOUR HAKE ALONE OR ALSO IN THE NAME or
23 a. LOOKING AT THE ACCOUNT fOR 50115 AND 50116, 23 YOUR HUSBAND?
24 WHOSE ACCOUNT IS THAT? 24 A. IN MY NAME.
25 A. THIS IS MY ACCOUNT. 2S O. OJ 0 YOU EVER MAKE AN OFFER THAT WAS JOINTLY IN
'-=~~~=~~~~=====*":,,Jtiel~F-=J
NlVlE SAMAAN 7/10/06
HlVlESAMAAN 1n"'" Exhibits Volume B
B-252
'-- --L _
Case 2:08-cv-01550 p-cw t:ilnrl (
,"-vvu I a~lJ <::'0 UI ;:JU
310.312.111' SOUSACOlJRTkEf'()RTERS ""'571.0111 110-]12-1111 SOUSAC<XJRTRJIJ'OR'TERS 11~-57J-Olll
....,.
1 YOUR NAME ANI) YOUR HUSBAND'S NAME? A. SOME OF THEM, I BELIEVE.
A. NO. Q. DO VOU HAVE ANY DOCUMENTS RELATING TO THIS
Q. IS THERE ANY REASON FOR THAT"? 3 HATT£R THAT YOU "AVEN'T PROVIDED TO YOUR ATTORNE'{1
A. NO. A. I DON'T BELIEVE so.

O. OJ 0 YOU INTEND THE PROPERTY TO BE YOUR SEPARATE Q. WHAT I WANT TO DO, JUST SO THERE'S NO SURPRISES
6 PROPERTY? 6 OR ANYTHING. 1 \iANT TO GO THROUGH THE TRANSACTION
A. WE WERE BOTH GOING To LIVE IN IT TOGETHER. '1 CHRONOUX;lcALI,.Y FROM THE BEGINNING TO THE END. 1 ' M JUST
O. DID YOU INTEND TO TAKE TITLE TO IT IN YOUR NAME 8 GOING TO, Bi\SICALLY, BE ASKING YOU A SERIES OF QUESTIoNS
9 ALoNE? 9 THAT SAY WHAT'S THE NEXT THING THAT OCCURRED, AND WE'LL
10 A. I DON'T KNOW. lOGO THROUGH THE _DOCUN'ENTS • 1 WANT TO GO THROUGH
II o. Dr D YOUR HUSBAND EVER FI LL OUT A LOAN 11 CONVERSATIONS YOU HAD WITH PEOPLE. I'M NOT ASKING YOU
12 APPLICATION IN CONNECTION WIT'H THE ACQUISITION OF THAT 12 FOR CONVER.SATION'S YOU HAD WITH YOUR ATTORNEY ON
13 PROPERTY? 13 ANYTHING -- OKAY7 -- OR ANY WRITTEN C(JI{HUNlCATIONS
14 A. WHAT DO YOU MEAN? 14 BE7HEEN YOU AND YOUR ATTORNEY; SO WE' LL AGREE THAT THOSE
15 o. oro HE EVER SIGN A LOAN APP FOR THE PECK DRIVE 15 ARE NOT BEING CALLED FOR BY ANY Of MY QUESTIONS. OKAY",?
16 PROPERTY,? 16 A. (THE WITNESS NODS HEAD UP AND DOWN.)
A. I DON'T BELIEVE SO. 11 o. DO YOU UNDERSTAND THAT'?
18 O. NOW, THE DOCUMENTS THAT WE HAVE MARKED AS 18 A. YES.
19 EXHIBIT 2~ THIS STACK OF DOCUMENTS THAT COUNSEL )9 o. OKAY. NOW, YOU WENT TO THE OPEN nOUSE. l\ND WAS
20 PROVIDED, DID THESE COME FROM YOU? WERE THEY YOUR '0 IT ON A SUNDAY OR SATURDAY?
21 PERSONAL FILE ON THE MATTER? 21 A. I DON'T KNOW WHAT DATE THAT WAS.
A. NO. Q. WAS ON IT A WEEKENO, THOUGH?
23 O. WHERE DID THEY CQHE FROM"? A. IT MAY HAVE BEEN.
24 A. MY ATTORNEY. 24 Q. YOU WENT TO THE OPEN HOUSE.
25 Q. DID You PROVIDE THEM TO YOUR ATTORNEY? 25 DID YOU PICK UP A FLIER ON 'THE PROPERTY?
NIVIE SA.MAAN 7ItMJ6 NlVTBSAMAAN 7JI()lQ6
31"372·UII SOUSA COURT REPORT'ERS 114-)11-0111 310-l72·)lll SOUSA COURTRFJ"OIlTERS 7t~l.(lltl
I'ltgc2'J
A. I BELIEVE I ALREADY HAD A FLIER. I HAD PRINTED Q. DID YOU PREPARE THE OfFER?
IT OUT FRCI-f THE HLS. A. YES.
O. DIn YOU SPE.bJ< TO THE PERSON WHO -- MR. LIBOW'S Q. DID YOU DO IT AT YOUR OFFICE?
4. ASS) STANT THAT NAS AT THE OPEN HOUSE? A. NO.
A. WE HAy HAVE SPOKEN. o. WHERE DID YOU DO IT?
o. DO YOU RECALL WHAT WAS SAID, IF ANYTHING? A. AT NY HONE.
A. NO. ) BELIEVE SHE JUST ASKEW IF WE HAD ANY o. 01 D YOU HAVE THE FORM AT HOME'?
8 QUESTIONS, OR SHE JUST EXPLAINED S(JiE OF THE PROPERTY TO A. YES.
9 US. AND THAT WAS IT. o. WAS ON IT YOUR COMPUTER, OR WAS IT A HARD COPY?
10 O. DIn YOU WALK THROUGH THE ENTIRE PROPERTY? 10 A. COMPUTER.
11 A. YES. 11 O. OKAY. AND TAKE A LooK AT PAGES s0002 THROUGH
12 O. AT TlfAT TIME DID YOU DECIDE TO MARE AN OFfER? 12 009. woULD YOU LOOK AT ALL OF THOSE.
13 A. NO. 13 WERE THOSE THB DOCUHENTS TIIAT CCOIPOSE YOUR
14 O. WHEN DID YOU DECIDE TO MAKE AN OFFER? 14 OFFER?
1S A. 1 DON'T KNOM. I DON'T RECALL. 15 A. YES.
16 O. DID YOU AND YOUR HUSBAND BOTH WALl< THROUGH IT? 16 Q. YOUR OFFER REQUESTED TIIAT THE SELLER CARRY BACH
11 A. YES. 17 10 PERCENT OF THE PURCHASE PRICE?
18 Q. DID ANYBODY ELSE ACcmpANY YOU? 18 A. AT WHAT POINT ARE YOU REFERRING TO 'ON THE
19 A. NO. 19 DOCUMENT'!'
20 o. AfTER YOU WALKED THROUGH AND BEFORE SUBMITTING 20 o. PARAGRAPH 2-0 ON PAGE 2, 0002.
2l THE OFFER, DID YOU DISCUSS SUBMITTING AN OFFER TO 21 DR WERE YOU GOING TO GET A SECOND DEED OF TRUST
22 ANYBODY ELSE -- -1 6- 22 fROM A THIRD PARTY?
23 A. NO. 23 A. YES.
24 O. -- WITH ANYBODY ELSE? 24 o. so YOU WERE GOING TO GET A Flfl.ST TRUST DEED FOR
2S A. NO. 25 1,336,000 AND A SECOND TRUST DEED FOR 161,000; CORRECT?
NlVlE SAMi\AN 7/Ht/06 NlVIE MMItAH l/tl),lD6.

Notice #3
Exhibits Volume B
0-<:0-'
Case 2:08-cv-01550 ?-Cw Document 40-3 Filed C. 1/2008 Page 29 of 50
Jlo.3il-1111 SOOSACOtJRTRF.J'ORTERS " ....j7I-0111 l1O-l7,l..IIII SOUSAcoURTREPORTERs 7l....S7I.oIJJ
A. I BELIEVE SO. Q. (}lU 'tOO KNOW THE PERSON WHO WAS HIS ASSISTANT
O. AND YOU WERE GO[NG TO DEPOSIT $161,000 '2 AT THE oPEN HOUSE BEFORE. THIS TRANSACTION?
3 ALTOGETHER; CORRECT? A. NO.
A. YES. 4 (MR. Z£RNIK LEFT THE DEPOSITION ROc»!.)
O. YOU SUBMITTED THAT OFFER ACTING AS YOUR OWN 5 BY HR. CUMMINGS;
6 AGENT; CORRECT? o. IF YOU CAN LOOK AT PAGES S0013 THROUGH S0015.
A. YES. DO YOU SEE THOSE PAGES?
Q. HOULD IT BE CORRECT THAT YOU UNDERSTOOD THAT IN A. YES.
9 THIS TRANSACTION. MIcHAEL LlBOW AND COLDWELL BANKER WERE O. NON. IS THAT SCHETHING THAT YOU RECEIVED BACK
10 NOT YOUR AGENTS OR BROKERS? 10 FROM MR. LIBOW?
lJ A. YES. 11 A. YES.
12 O. AND P.a.GE SOOlD AND 50011, DID YOU PREPARE THAT 12 Q. OKAY. FIRST OF ALL. DID YOU SUBMIT YOUR OFfER
13 BUYER'S INSPECTION ADVISORY1 13 ON SEPTEMBER 4. 20041
14 A. YES. 14 HR. STEIN: YOU' HE REFERRING TO 5002 THROUGH 9?
15 o. Dr 0 YOU SUBNIT TRAT AT THE TIME YOU SUBMITTED 15 HR. CUMMINGS ~ YEs.
16 YOUR orf"ER? 16 THE WI TNESS : YES.
17 A. YES. 17 BY HR. CUMMINGS:
18 Q. NOW. DID YOU SUBMIT THAT OFFER IN PERSON TO 18 Q. THEN YOU'VE GOT A RESPONSE BACK oN SEPTEM8ER 10
19 MR. LIBOW? 19 BY FAX; IS TKAT CORRECT?
20 A. NO. IT WAS BY FAX. 20 A. YE:S.
21 Q. ALL Rl GHT . Dr D YOU CALL MR. LIBOW' UP BEFORE 21 Q. WAS THAT FAXED TO YOUR OFFICE OR YOUR HCME?
22 YOU SUBMITTED IT? 22 A. TO MY HOME.
23 A. I DON'T RECALL IF I CALLED HIM BEFORE OR AFTER. 23 Q. TO YOUR RECOLLECTION, WEP.E THERE ANY FAXES FRCN
24 O. DID YOU KNOW MR. LIBQW BEFORE THIS TRANSl,CTION? 24 MR. LIBQW TO YOUR OFf"ICE IN CONNECTION WITH THIS HATTER,
25 A. NO. 25 OR OJ 0 THEY ALL GO TO YOUR HCt-lE?
NTVlE SAM,AAN 1111lJOfi NIVIESAMAAH 1I1MK.
310.371-'111 SOUSACOtJRTREPoIlTER8114-i1I-4)111 310.311-"11 SOUSACOURTREPOJI.'I'EJUJ 1'....sn"OIIJ
Pn,:c.11
A. J BELIEVE THEY ALL WENT TO MY HCHE, WHICH IS MY O. WHAT DOES IT 00 AS FAR AS THE DEPOSIT?
2 OFFICE. A. THEY WANTED TO INCREASE THE DEPOSIT.
O. WELL, IT'S NOT THE GILLERAN GRIFFIN OFFICE? O. WffAT DOes IT 00 AS FAR AS TH& LOAN TERMS?
A. NO, IT'S NOT. BUT IT IS WHERE I WORX OUT OF. A. READING WHJ\T IT SAYS, IT SAYS ""LOAN TO BE
O. YOU WORK OUT OF THERE FOR YOUR COSMETIC WORK? S. OBTAINED AT MARKET RATES AND TERMS. PI
A. NO. O. NOM, DID yOU ACCEPT THAT COUNTER?
Q. FOR WHAT KIND OF WORK? A. NO.
A. FOR MY REAL EsTATE WORK. IF J DID .\NY Q. DID YOU ALSO RECE1VE FROM HR. LIBON AN ADDENDUM
9 TRANSACTION, BECAUSE EVERYTHING MAS ON MY CetofPUTER AT' 9 TO RUL ESTATE PURCHASE AGREEMENT THAT HAD CERTAIN
10 HOME. ]Q DISCLOSURES?
11 O. OKAY. NOW-- 11 A.. YES.
12 A. BUT I WOULD ALSO no COSHETIC WORK OUTSIDE OF 12 Q. AND YOU RECEIVED THA'l" ON SEPTEMBER 10, 2004;
13 8Al\NEY'S Of" NEW YORK; SO I DID COSMETIC WORN, I GUESS 13 CORRECT?
14 YOU WOULD SAY, OUT OF MY HooE. 14 A. YES.
15 o. NOW, YOUR OFFER WAS FUR 1.610,000; CORRECT? 15 Q. THElt BETWEEN SUBMITTING THE OFFER TO HR. LIBOW
16 A. YES. 16 ON SEPTEMBER 4 AND RECEIVING THE RESPOIISE BACK FROII H1H
17 Q. THEN YOU RECEIVED A COUNTER OFFER, WHrCH rs 17 ON SEPTEMBER 10, DID YOU SPEAJ( TO HR. LIBOH?
18 ENTlTLED ·COUNTER OFFER NO.1.· 18 A. I DON'T RECALL. I MAY HAVE.
19 THAT'S PAGES 50014 AND -- 50014; CORRECT? 19 0- WOULD IT BE CORRECT THA'T If YOU DID SPEAJ< TO
20 A. YES. 20 HIM DURING THAT TIME, YOU DQN'T RECALL ANYTHING ABOUT
21 O. WHAT DOES THhT DO 1\S FM AS OF THE PURCHASE 21 THAT CONVERSAT 1 ON?
22 PRICE? -1 7- 22 A. YES..
23 A. 1T INCREASES [T. 23 Q. NOH. AS WE GO THROUGH THE DEPOSITION, I KAY ASK
24 O. TO WHAT AMOUNT? 24 YOU FOR ESTIHATES ON' TIME OR OTHER ISSUES.
25 A. 1,118,000. 25 DO YOU UNDERSTAND THE DIFFERENCE BETWEEN AN
HPIIESAMAAN 1110fD6 NlVlf SAMAAN 1I1M/6

Exhibits Volume 8
8-254
r.;:)~p. 2:0A-cv-0155C p-cw Document 40-3 Filed t 7/2008 Page 30 of 50
.. _ - - - - - ,
)1~)1:z..1111 SOUSACOURTRI!PORrekS 7,,..,11..(1111 310-]72-1111 SOUSACOUR"TREPORTERs 71J-i1I..oI't
P31~JJ
ESTIMATE ANlJ A GUESS? NON. S0016, WHAT IS THAT lJOCUHENT?
A. NO. A. ]T SAYS "cOl1NTER OFFER NO. I."
O. LET ME GIVE YOlI AN EXAMPLE. If I AsKED YOU HOW O. DIn YOU SIMPLY SIGN THE ONE THAT HR'. LlBOW HAD
4 MUCH MONEY WAS IN YOUR WALLET, YOU MIGHT HAVE AN SENT YOU AND SEND [T BACK?
5 ESTIMATE. IF I ASKED YOU HOW HUCH MONEY WAS IN YOUR A. I SIGNED IT. AND 1 MARKED WITH AN "X," SUBJECT
6 ATTORNEY' S WALLET. I WQULU PRESUME THAT WaUL:"- 8E .'\ 6 TO THE A1TAcHEU COUNTER OFFER. I SENT A COUNTER OFFER
GUESs. 7 ALONG WITH IT.
H'OULD THAT 8E A FAIR STATEMENT? Q. AND THE ATTACHED COUNTER OFFER IS SO:Ol7'?
A. YES. A. YES.
10 O. OKAY. AND I F" I ASJ<[D YOu HOW LONG THIS TABLE 10 O. THE ONLY SUBSTANTIVE CRANGE W'AS THE cHANGE IN
11 WAS, YOU couLD PROBABLY GIVE HE AN ESTIMATE, BUT U' I 11 THE AMOUNT OF THE DEPOSIT AND WHEN THE DEPOSIT WOULD BE
12 ASKED YOU HOW LONG THE TABLE WAS IN THE CONFERElt'CE ROClH 12 HADE?
13 ON THE OTHER SIDE OF THE OFFICE THAT YOU'VE "'EVER BEEN 13 A. YES.
14 IN~ THAT woULD BE A GUESS; CORRECT? 14 O. AND THE INITIAL DEPOSIT, DID YOU UNDERSTAND
IS A. YES. 15 THA.T TO BE THE DEPOSIT AT THE: TINE THAT yOU SUBMIT THE
16 O. YOU1RE ENTITLED, IF YOU DON'T RECALL SOMETHING 16 OFFER?
17 SPECIFICALLY, TO STATE YOUR RESPONSE IN TERMS OF AN 17 A. ! 'M SORRY. I DON'T UNDERSTAND THE QUESTION.
18 ESTIMATE, BUT I AM ENTITLED TO AN ES7IMATE, IF YOU HAVE 18 Q. 1 'M LOOKING AT SOOI1. UNDER ITEM c, IT SAYS,
19 AN ESTIMATE. IF YOU DON'T HAVE AN ESTIMATE AND IT WOULD 19 "ITEM 2. INrTIAL DEPOSIT' TO BE 15,000 iUTH INCREASED
20 JUST BE A TOTAL GUESS, I DON'T WANT THAT, AND I'M: NOT 20 DEPOSIT OF AN' ADD.tTIONAL 15,000 WITHIN H DAYS FROH
21 REQUESTING 'tOO TO EVER GUESS. OKAY'? BUT I I'll LL BE 21 ACCEPTANCE ...
22 REQUESTING YOU TO GIVE ME YOUR BEST ESTIMATE BECAUsE 22 WHEN DID YOU UNDERSTAND THE INITIAL DEPOSIT TO
23 PEOPLE DO NOT RECALL THINGS WI'!'H 100 PERCENT CERTAINTY~ 23 BE OUE? IS THAT WITH THE ACCEPTAHCF,?
24 AT LEAST MOST PEOPLE DON'T; AND .. THEREFORE .. IT ]S NORMAL 24 A. YES. THAT WAS MY UNDERSTANDING.
25 FoR PEOPLE TO GIVE ESTIMATES. 25 Q. AND THEN 1S,000 ADDITIONAL DEPOSIT WOULD BE DUE.
NlVlE SAMAAN 7/1lW6 NlVJESAMAAN 711(l.Q6
)1~nl"llIl SOUS,ACOURTREf'ORrnRS 714-$11.f)1I1 3100312·1111 SDUSJocoURTREPoRlERS nf.Soll-1111
1 14 DAYS AM'ER THE: ACCEPTANCE; CORRECT? WHAT STOCK WERE YOU LIQUIDATING'?
2 A. YES. A. I OONtT KNOW. H'i HUsBAND WAS DEALING WITH
3 (MR. ZERNTK EN'T'[RED THE DEPOSITION 3 THAT.
4 ROOM.) O. WAS THAT STOCK THA.T WAS IN ANY ACCOUNT THAT
5 BY MIl. CUMMINGS: 5 WE' VE REFERENCED BEFORE?
Q. DID YOU SEND YOUR COUNTER OFFER NO. 1 TO A. I DON'T RNOW.
7 MR. LIBOW WITH YOUR FAX TII1\T CONTAINED THE PAGES SOOIS Q. WAS THAT STOCK THAT WAS OWNED BY YOU?
B THROUGH 80021? A. 140, I DON~T BELIEVE SO.
A. lIRE YOU ASKING IF I ATTACHED HIS COUNTER OFFER Q. DID YOU SPEAK TO MR. I.IBQW BETWEEN tHE TIME
10 AS WELL? I HAVE s19 THROUGH S21. 10 THAT YOU RECEIVED THE COUNTER OFFER NO. 1 FROM
11 Q. TIl1\T'S EXACTLY WII1\T I'M ASKING. THEY'RE JILL II DR. ZERNIK ON SEPTEMBER to UNTIL YOU SENT YOUR COUNTER
12 STAPLED TOGETHER, lIND I DIDN' T STAPLE THEM. 12 OFFER NO. 1 -- OR COUNTER OFFER NO. 2 BACl< TO HR. LIQOW1
13 A. OI<AY. 13 A. I MAY IUWE. I DON'T RECALL.
H Q. SO I'll JUST WONDERING -- 14 Q. WOULD IT BE CORRECT THAT IF YOU oro sPEAK TO
15 MR. STEIN: I'M THE ONE THAT STAPLED THEM. 15 HIH~ THAT YOU DoN"T RECALL THAT --
16 THE WITNESS: YES, HE STAPLED THEM. 16 A. YE:S.
17 BY HR. CUMMINGS: 17 Q. -- RECALL ANYTHING TRAT WAS SA.ID ABOUT iT?
18 Q. I'M ..rusT WONDERING IF THIS WENT A..s A PACKAGE IS A. YES.
19 BECAUSE IT SAYS FOUR PAGES ON THE COVER SHEET, AND THEN 19 Q. NOW, ON PAGE -- YOUR COVER SHEET. ON 50018, oN
20 THERE'S THREE PAGES ATTACHED TO IT. AND I'M WONDERING 20 YoUR FAX, I1's DATED SEPTEMBER 10, BUT 1 HOTE THAT ON
21 IF THIS PACI<AGE FROM SOOlS THROUGH 50021 WENT BlIct< TO 21 PAGE S0020, WHICH HAS YOUR NAME ON IT, IT'S DATED
22 MR. LlBoW. -1 8- 22 SEPTEMBER 11, 2004, AT 6:00 P.M.; CORRECT?
23 A. YES, I BELIEVE so. 23 A. YES.
24 Q. O}(AV. AND YOU MENTIONED THERE, "I'M 2. O. so DID YOU SEND nus BACK? DID YoU SEND PAGES
25 LIQUIDATING STOCK FOR THE DOWN PAYMENT.' 25 50018 THROUGH 50021 BACK TO MR. LIBOW ON SEPTEMBER 11,
HTVI[SAMAAN 7/10106 !'lIvrE SAMAAN 1/1Ml6

"iof!Ce--·-#3 ...
Exhibits Volume B
B-255
Case 2:08-cv-0155C Document 40-3 Filed l 7/2008 Page 31 of 50
,--------_..-
llll-37:J,.IUI SOUSA COUltT REPORTERS 71.l.:m-4J111

"..}1""" SOUSACOUR-T-REPOR--tus ""ST'"'''' . -l
1 20041
A. PROBABLY SO.
2004. /lAU YO\J EVEK MET MICIIAEL LIBOW?
A. liP TO THI ~ DATE IN TIME?

' ..,lI I I
Q. THAT wouLD BE YOUR BEST ESTIMATE? Q. YES.
A. YES. A. J DON'T B£LIEVE SO.
O. TURNING NOW TO PAGE 50022, DID YOU sEND THAT TO Q. SO WOULD IT BE CORRECT THAT ALL yOUR
6 HR. LIBOW ON SEP'l'EMBER J 3? 6 CClHMUNICATIQNS WITH HR. LIBQW HAO EITHER BEEN IN WRITING
A. YES. 7 DR oN TilE PHONE?
Q. AND YOU'RE GIVING A DEADLINE FOR TKE ACCEPTANCE A. YES,
9 OF YOUR OFFER; CORRECT? O. HAVE YOU TOLD ME EVERYTHING YOU RECALL ABOUT
10 A. YES. 10 ANY TELEPHONE CONVERSATION WITH MP.. L1BOW UP THROUGH AND
II O. THAT DEADLINE BEING 12:00 P.M. ON SEPTEMOE:R 14, 11 INCLUDING SEPTEMBER 13, 20041
12 2004; cORRECT? 12 A. I • t-l SORRY. REPEAT THAT.
13 A. YES. 13 O. YOU MENTIONED THAT YOU HAD TOLD HR. LIBON THAT
14 O. THEN DID YOU HAVE UP TO THIS PERIOD OF TIME 14 YOU WOULD BE LEAVING THE COUNTRY TO GET MARRIED, AND
15 WHEN YOU SENT THE FAX OF SEPTEMBER 13, 2004 -- DID YOU 15 YOU WANTED TO GET THIS FINALIZED B£FORE YOU LEFT.
16 flAVE Jt.Jo'y CONVERSATION WITH MR. LIBOW? A. YES.
A. 1 0 M SURE I DID. 17 Q. HAD YOU TOLD HIM ANYTHING ELSE?
16 O. DO YOU RECALL WHAT WAS .51\1 D1 16 A. NO, I DON"r BELIEVE so.
19 A. NOT EXACTLY, BUT I'M ESTIMATING TH.b,T 1 TOLD HIM 19 O. HAD HE TOLD YOU ANYTHING ELSE?
20 THAT I DIOO',. WANT TO BE DEALING WITH THIS WHEN I LEFT 20 A. I BELIEVE HE HAD TOLD HE THAT THEY HAD ANOTHER
21 OOT OF TOWN TO GET MARRIED; SO WE DID NEED TO TAKE CARE 21 CLIENT THAT NJ\S INTERESTED IN THE PROPERTY, AND THEY
22 OF THIS AS SOON AS POSSIBLE:. 22 WERE TRYING TO DECIDE BETWEEN US, THAT THEY HAD ANOTHER
23 Q. HAS TKAT ON THE PHONE? 23 COUNTER OFFER OR SCMETHING.
24 A. YES. 24 o. DO YOU RECALL ANYTHING ELSE THAT NR. L1BOW HAD
25 O. UP TO THIS DATE -- POINT IN TIME, SEPTEMBER 13, 25 TOLD YOU OR YoU HAD TOLD MR. LIBOW UP THRoUGH AND
NlvrE 5AMAAN' 1110106 NIVlE SAMAAN 1/10106
310-372-1111 SOUSACOURTlEPORTERS 7'4-571.(1111 JI8-l1}..llll SOUSA COURT REPORTERS 1'4.511.0111

-------,
1 INCLUDING SEPTEMBER 13, 2004? Q. DO YOU KNOW WHO YOUR HUSBAND WAS DEALING WITH?
A. NO. A. VICTOR PARKS.
O. H/lD YOU SPOKEN TO ANYBODY IN YOUR DfrICE -- Q. WHO IS VICTOR PARKS?
... YoUR OFFICE MEANING THE G1LLERAN GRIFFIN OFFICE -- A. THE LOAN OFFICER.
5 REGARDING THIS TRANS.!\.CTION UP THROUGH THE TIME PERIOD of Q. WHO DOEs HE WoRK WITH?
6 SEPTEMBER 13, 20041" A. I 000' T KNOW. I BELl EVE HE WORKS FoR HIMSELF.
A. ONLY I f I WOULD HAVE HAD QUESTIONS ON WORDING Q. HAD YOU EVER DEALT WI TH VICTOR PARKS ON ANY
B AND HOW TO DO A COUNTER OFFER AND THINGS OF THAT NATURE B MA'M'ER PRIOR TO THIS TRANSACTION.
9 BECAUSE I HAD NEVER WRITTEN UP AN OFf"ER BEFORE; SO I 9 A. HE'S RELATED TO M'l HUSBAND.
10 WOULD ASK MY BROKER ABOUT -- 10 Q. WHAT'S HIS RELATIONSHIP TO YOUR HUSBAND?
II o. 00 YOU RECALL DOING THAT? 11 A. THEY ARE COUSINS.
12 A. YES. 12 Q. WHAT BUSINESS IS YOUR HUSBAND IN?
13 o. so YOU RECALL SPE.I\KING TO RANDY SPAULDING ABOUT 13 A. HE' 5 A HOR'J'GAGE BROKER.
14 HOW TO DO A COUNTER OffER? 14 Q. IJOES HE AND VICTQR PARK WORK IN THE SAME
15 A. UM-HUH. 15 OFFICE?
16 a. IS THA.T "YES"? 16 A. THEY WORK ON THE SAME NETliORK.
11 A. YES. 17 Q. WHAT NETWORK IS THAT?
16 O. AND Do YOU RECALL TALKING TO HIM ABOUT ANY 18 A. A C~PUTER NETWORK.
19 OTHER ASPECTS OF THE TRANSACTION UP THROUGH AND 19 Q. I MEAN 00 THEY HAVE A JOINT BUSINESS?
20 INCLUDING SEPTEMBER I3, 2004? 20 A. I BELIEVE SO, YES.
21 A. NO, I DON'T BELIEVE SO. 21 Q. NHAT'S THE NAME Of IT?
22 O. NOW, HAD YOU SPOKEN TO ANYBODY ABOUT OBTAINING -1 9- 22 A. DELTA PACIFIC.
23 A LOAN FoR THE PROPERTY UP THROUGH AND INCLUDING 23 Q. IS DELTA PACIFIC A MORTGAGE LOAN BROKER?
24 SEPTEt·IRER 13, 2004? 24 A. YES.
25 A. MY HUSBAND WAS DE.AJ,lNG WI Tii THE LOAN PROCESS. 25 O. IS IT A CORPORATlON?
Exhibits Volume B
B-256
Case 2:08-cv-0155( .P-cw Document 40-3 Filed l 7/2008 Page 32 of 50
31~Ji}"1111 SOUSACOURTREI'ORlCRS 11-J..)71..u111 ""372.1111 SOUSAcOllRTIlEPORTERS 70J·571.. II' ~

A. I BELIEVE so. Q. 010 YOU HAVE A CONVERsATION WITH MR. LI~ I
Q. WHO ARE THE OWNERS? BEFORE SENDING THE FAX THAT'S DATED SEPTEMBER 16, 2004,
A. I DC»"T KNOW. 3 AND IS MAAKED AS DOCUNENT NO. 50023 REGARDING THE
Q. IS YOUB HUSBANO AN OWNER? <4 SUBSTANCE OF THAT TRANSMITTAL?
A. I DOO'T BELIEVE so. A. YOU'RE ASKING IF I SPOKE to HIM BEFORE THIS?
Q. IS l-I\. PARKS l\N OWNER? O. YES.
A. T [)()NIT KNOW'. A. YES.
8 Q. DO YOU KNOW WHO RUNS THE CC!'fPANY? o. SO WAS THAT BETWEEN SE.PTEMBER 13, 200", AND
9 A. I DON'T KNOW. 9 SEPTEMBER 16, 20047
10 Q. OTHER THAN YOUR HUSBAND AND VICTOR PARKS, HAVE 10 A. I WOULD ASSUME IT IS.
11 YOU EVER SPoKEN TO ANYONE ELSE WHO HAS ANY CONNECTION II Q. WAS THAT ONE CONVERSATION OR HORE THAN ONE
12 WITH DELTA PACIFIC? 12 CONVERSATlON?
13 A. NO. 13 A. I DON'T RECALL.
14 Q. WHERE ME THE OFFICES of DELTA PACIFIC? 14 O. WAS IT IN PERSON OR ON THE PHONE~
15 A. I DON'T KNOW WH[:RE 7HE OfFICES ARE. 15 A. ON THE PHONE.
16 Q. HAVE YOU EVER BEEN 'TO THEIR OFFICES? 16 Q. 00 YOU RECALL THE SUBSTANCE or THE
17 A. NO. 17 CONVERSATION?
1B Q. oro YOU SPEAJ< TO VICTOR PARKS REGARDING THIS 18 A. I CAN ESTIMATE WHAT HE SAID, WHICH WOULD BE
19 TRANSACTION? ]9 THAT WHEN I MADE AN OFFER FOR THI S PROPERTY, I HAD TOLD
20 A. NO. 20 HIM THAT 1 WAS GoING TO BE LEAVING THE STATE TO BE
21 O. ALL THAT WAS HANDLED BY YOUR HUSBAND? 21 HARRIED, AND THAT r WOULD NEED THE ACCEPTANCE DATE TO BE
22 A. YES. 2.2 PUSHED FORWARD ONE WEEK BECAUsE I WOULD NOT BE ABLE TO
23 Q. LOOKING AT PAGE S0023 AND S0024. IS THAT 23 FULFILL HY OBLIGATIONS, IF NOT.
24 SQHETHING 'fHAT YOU SEN'f 'fO MR. LIBOW ON SEPTEMBER 16? 2' O. OKAY. so WOULD IT BE CORRECT TftAT .AS or
25 A. YES. 25 SEPTEMBER 16, 2004, YOU KNEW THAT YOU COULDN'T MEET YOUR
N1VlESAMAAN 7110106 NlVJE SAMAAN 7/1MJ6
)1D-J71·U II SOUSA COURT REPORTERS 714.j'110011I JI00312-1111 SOUSA COURT REPoRTERS 11M1I.oIII
......
1 OBLiGATIONS UNDER THE COUNTER OFFER THAT YOU HAD SENT Q. 'rOU SAY THAT HR. LIBOW TOLD YOU THAT DR. ZERNIK
2 BACK TO DR. Z&RNIK UNLESS DR. ZERNIK AGREED TO AMEND THE 2 WOULD AGREE TO AMEND THE ACCEPTANCE DATE TO
3 ACCEPTANCE DATE TO SEPTEMBER 23, 2004? J SEPTEMBER 23, 2004?
A. YES. A. YES. WHEN I -- WHEN MICHAEL LIBOW _ .. LET'S
Q. OlD YOU PREPARE THE AMENDMENT THAT HAS SENT 5 JUST GO BACK FOR A MINUTE.
6 OH -- THAT'S PAGE 50024 AND OATED SEPTEMBER 16, 200f? WHEN I HAD SENT THE CANCELED -- THE
A. DID I PREPARE IT? 7 CANCELLATION OF HY OFFER, CANCELLATION OF IT --
O. YES. Q. YOU'RE REFERRING TO DOCUMENT 500221
A. YEs. A. YES, YES.
10 O. DID YOU EVER RECEIVE A SIGNED COPY OF TIL~T FROM 10 I TOLD HIM I WOU1D NOT BE ABLE To MEET MY
1l DR. 'lERNIR? 1l OBLIGATIONS. I WAS CONTACTED BY LIBOW, STATING THAT
12 A. NO. 12 THEY HAD NULTIPLE OFFERS, AND HE WOULD BE GETTING BACK
13 O. DID HR. LIBOW TELL YOU DR. ZERNIK HAD SIGNED 13 TO HE THE NEXT DAY, AND I TOLD HIli I WASN'T SORE IF I
14 IT1 14 WOULD ACCEPT, IF I WOULD BE ABLE TO MEET MY OBLIGATIONS
15 A. NO. IS BECAUSE I WAS LEAVING FOR A WEEK, AND I DIDN"T WANT TO
16 O. DID YOU EVER ASK HR. LIBOW IF DR. ZERNIK HAD 16 BE DEALING WITH THIS WHILE I WAS AWAY ON MY HONEYNOON ~
17 SIGNED IT? 17 SO WHEN HE CALLED ME ON THE 15TH, ] STATED TO
18 A. NO, BECAUSE HE ST.~TED THAT HE WOULD AGREE TO 18 tliM THAT I WOULD NEED THE ACCEPTANCE DATE TO BE AMENDED
19 IT. 19 FOR ONE WEEK ~ AFTER I RETURNED -- YES, ONE WEEK. I WAS
20 O. WHO STATED HE WOULD AGREE TO IT? 20 RETURNING ON THE 23RO; SO J NEEDED THE ACCEPTANCE To
21 A. MICHAEL LU3ON. 21 START ON THAi n)\n: BEC.AUSE I WOULD NOT BE ABLE TO MEET
22 O. DID MICHAEL LIBOW TELL YOU HE HAD WRITTEN -1 to- 22 MY OBLIGATIONS. AND I TOLD HIM THAT, YOU KNOW, I HAS
23 AUTHORIZAT[ON FROM DR. ZERNIK TO AGREE TO TIIAT? 23 GOING TO SEND HIH A WRITTEN AGREEMENT THAT I WANTED TO
A. NO. HE NEVER TALKED ABOUT WRITTEN 24 BE SIGNED, AND HE SAID A WRITTEN AGREEMENT ]S NOT
25 AUTHORIZATION. 25 NECESSARY, BUT I FAXE.D IT ANYWAY.
NJVJESAMAAN 7/10106 NJVlE SAMAAN' JIlOAl6 Nblicel1f3"

Exhibits Volume B
B-257
Case 2~~·5f.
11~.n1-1111 SOUSA,CQURTkF"J'ORTERS 7l.j..S11-Olli llD-ln.1111 SOUSA COURT REPORTERs 11J..571-0111
......
iHEN ON THE -- ON THE 16TH -- SO THIS WAS THE 1 BY HR. CUMMINGS:
MORNING BECAUSE HE FAXED TO lifo THE ACCEPTANCE. ON THE Q. DOES THAT HAVE DR. ZERMIK'S SIGNATURE ON IT?
EVENING OF sEPTEMBER 15TH, WHICH IS BEFORE THE HORNING A. YES.
THAT WE WERE LEAVING. WE: LEFT ON ~EPTEMBER 16TH, IN THE Q. 9/1S/041
MORNING. TO LEAVE FOR HAWAI I. A. YES.
Q. WHERE. 1S TH.~T ACCEPTANCE? Q. NON. YOU HAVE A FAX HERE. FlRST OF ALL, THE
A. EXCUSE HE? "] PAGE YOU'RE REFERRING TO Is 3.0026; CORRECT?
O. WHERE IS THAT ACCEPTANCE? A. YES.
A. WHAT AccEPT.l\NCE: ARE YOU REFERRING TO? 9 Q. YOU IIAVE A COVER SHEET FROO THE FAIRMONT IN KEA
10 O. THE ONE THAT YOU JUST REFERRED TO. )0 LANI--
11 A. NO, NO. THE l\CCEPTANCE OF THE OFFER -- of 1HB. 11 A. YES.
12 OFFER or THE PURCHASE of THE PROPERTY. THAT THEY. 12 O. -- HAUl.
BASICALLY, SAID THEY WERE ACCEPTING MY OFFER, AND THAT 13 THAT'S PAGE $00257
14 WE WERE -- 14 A. YES.
15 O. WHAT DOCUMENT ARE YOU REFERRING TO? 15 O. DID YOU THEN INITIAL "N.S .... THE CONFIRMATION
16 A. THE PURCHASE AGREEMEN1' 16 OF 1\CCEPTANCE?
18
Q. C.l\N YOU SHOW ME WU£RE TilEY FAXED YOU A DocUMENT
THAT YOU UNDERSTOOD TO BE DR. ZERNIK'S ACCEPTANCE OF ,.

17 A.
Q.
YES.
AND YoU SENT THAT BACK ON' SEPTEMBER 16, 2004.
19 YOUR COUNTER OFFER. 19 TO MR. LI8OW?
'0 A. I DON'T UNDERSTAND WHAT YOU'RE SAYING. 20 A. YES, ONLY ArTER THE AGREEMENT VERBALLV ON THE
21 O. WELL, YOU -- 21 PHONE WITH MR. LISOW THAT THE ACCEPTANcE DATE WOULD 81:
22 MR. STEIN: THIS DOCUMENT HERE. THIS IS WHAT HE's 22 PUSHED BACK ONE HEEK.
23 ASI<ING ABOUT. 23 Q. IS IT CORRECT THAT '{OU DIDN'T RECEIVE ANY
24 THE WITNESS; COUNTER OFfER 2. 24 WRITTEN CONFIRMATION AS or SEPTEMBER 16, 200-4, THAT
25 // 25 DR. 2ERNIK HAD, IN FACT, AGREED TO PUSH THE ACCEPTANCE
NlVlE SAMAAN 7/UI/06
llB-l'll.1111 SOUSACOURTREI'ORlERS 1t .... 571~111 llo.l71:-1111 SOUSACOURTREPOltTERS 714-511-0111
......
DATE BJ\C~ ONE WEE~? HR. STEIN: I'M GOING TO OBJECT BECAUsE IT MISSfATf;S
A. YES, ONLY BECAUSE I WAS TOLD BY MICHAEL LIBOW, 2 OR MISCHARACTERIZEs THE PRODUCTION' THAT SHE'S PROVIDED.
WHICH IS MR. ZERNIK'S AGEN'!'. THAT ['1' WOUl.D NO'!' BE A MR. CUMMINGS: I'LL WITHDRAW THE QUESTION.
PROBLEM IF 1 NEEDED THE DATE PUSHED BACK, THAT HIS Q. LET'S GO THROUGH THEM ONE BY ONE. NOW, IT SAYS
CLI EN'!' WOULD AGREE AND ACCOMMODATE THAT. S HERE ON THE ONE THAT'S SEPTEMBER 2B, 2004, TKAT THEY
Q. CAN YOU LOO~ AT PAGES S0027 THROUGH S0038, 6 ESTIMATE FINAL LOAN APPROVAL IN TEN BUSINESS DAYS.
TELL HE WHAT THOSE ARE. GENERALLY DESCRIBE WHAT THOSE DO You SEE '1'HAT1
ARE. A. YES.
A. CORRESPONDENCE FROM VICTOR PARKS TO MICHAEL O. WERE YoU AWARE OF THAT E-MAIL ON OR ABOUT
10 LIBOW. 10 SEPTEMBER 28, 20041
11 Q. DID YOU RECEIVE COPIES OF EACH OF THESE -- ARE 11 A. I'M SURE I WAS MADE AWARE or THAT.
12 TIlE:SE ALL E-MAILS? 12 O. DID VICTOR PARKS JUST GIVE COPIES OF THESE
13 A. YES, I BELIEVE so. 13 E-HAILS TO YOUR HUSBJl,ND? IS THAT HoW YOU WERE HADE
14 Q. DID YOU RECEIVE COPIES OF THESE E-MAILS? 14 AWARE OF IT?
15 MR. STEIN: VAGUE AND J\MJlIGUOUS AS TO WHEN YOU'RE 15 A. MY HUSBANO WAS ASSISTING WITH THE LOANi SO THAT
16 REFERR ING • 16 I S HOW I WAS MADE AWARE OF THI S .
17 BY MR. CUMMINGS: 17 Q. so woULD IT BE CoRRECT THAT YOUR DEALINGS ON
18 Q. CONTEMPORANEOUSLY WITH THE E-IlAILS BE rNG SEN'!'. 18 THE LOAN WERE THROUGH YOUR HUSBAND?
19 IS IT YOUR UNDERSTANDING YOU WERE RECEIVING 19 A. YES.
20 COPIES OF THESE E-MAILS? 20 O. AND HE AND MR. PARKs WORKED TOGETHER, AND THEY
21 A. I WAS MADE AWARE OF THE E-MA1LS. I DON'T 21 WERE DOING WHATEVER THEY DO TO oBTAIN A LOAN C~lTMENT;
22 RECALL IF I RECEIVED A COpy OF EACH OF THE E-MAILS. -1 1- 22 CORRECT?
23 Q. THIS STAPLED PACKAGE, 50027 THROUGH S0038, ARE 23 A. YES.
24 THESE ALL THE E-MAILS THAT YOU'RE AWARE OF BETWEEN 24 O. AND YOU UNDERSTOOD YOU HAD TO OBTAIN A LOAN
2S VICTOR PARKS AND MR. LIBOW'? 25 COiIlITMENT TIIAT WOULD BE FOR AN 80 PERCENT LOAN rOR THE
NtVlESAMA,4Jf 7110/1)6 1'11"'1: SAMAAN 7/10..06

Notice #3
Exhibits Volume B
D "''''0
Filed l
11O.J72.1111 SOUSA COURT REPORTERS 71.$--5-71 ....1111 110.312·1111 SOUMCOURTR.fJ'ORTERS-11·M714111
1 FIRST lJEEil OF TRUST ANU A 10 PERCENT LOAN FOR THE. SECONU O. WELL, WHAT 1 'H SAYING IS OIl) YOU UN[)ERSTANO
2 DEED OF TRUST; CORRECT? '2 THAT you WERE GOING TO INCREASE TliE AMOUNT OF THE DOWN
A. IF THAT's WHAT IT SAYS. I'M NOT A LOAN J PAYMENT; INSTEAD OF PUTTING 10 PERCEKT DOWN, THAT 'tou
4 OFFICER. I DON'T KNOW MUCH ABOUT TKAT. -4 WERE GOING TO BE PUTTING DOWN MORE HONEY TO INCREASE THE
5 Q. THE COUNTER OFFER HAS FOR L ll~,OOO; CORRECT? 5 PURCHASE ('"RICE TO 1,71B,OOO?
A. IF TH.J\.T'S \llHAT IT STATES. A. YES.
O. LET'S MA}(E SURE. LOOKING AT PAGE 50014 -- O. SO THE AMOUNT OF THE FIRST TRUST DEED LOAN WAS
A. YES. 8 GOING TO REMAIN AT 1,336,000; IS THAT CORRECT?
o. -- IT·S 1,718,000; CORRECT? A. YES.
10 A. YES. 10 Q. AND THE AMOUNT OF THE SECOND TRUST DEED LOAN
11 O. AND YOUR ORIGINAL OFFER WAS FOR A 10 PERCENT 11 WAS GOING TO REMAIN AT 161,000; CORRECT?
12 DOWN PAYMENT W]TH AN aD PERCENT FrRST TRUST DEED LOAN 12 A. YES.
13 AND A 10 PERCENT SECOND TRUST DEED LOAN; CORRECT? 13 Q. BUT THE DOWN PAYMENT WAS GOING TO INCREASE TO
14 A. YES. 14 COVER THE ADDITIONAL HONEY fROM -- ADDITIONAL $48.000;
15 O. AND DID 'iOU UNDERSTAND THAT EVEN THOUGH THE 15 CORRECT? THE 01 Ff"EREHCE BETWEEN THE PURCHASE PRICE OF
16 PURCHASE PRICE WAS BEING INCREASED TO 1,718,000, THAT 16 l, 610, 000 AND 1,118, DaD"?
11 YOU WOULD STILL PUT DOWN 10 PERCENT DOWN, II.D,VE. AN 17 A. RIGHT. WELL, IT WAS GOING TO INCREASE -- THE
18 80 PERCENT FIRST TRUST DEED LOAN AND ]!I, lO PERCENT SECOND 18 PURCHASE PRICE I NCREASE.D To COVER OUR CLOSING COST or
19 TRUST DEED LOAN? 19 $ JU, OOU. THAT'S WHAT WE HAD REQUESTED.
20 A. I BELIEVE so. 20 ] DON'T KNOW 1 F TIlAT ANSWERS YOUR QUESTION, BtrI'
21 o. I JUST WANT TO M1I.KE SURE. 21 THAT'S ALL 1 KNow.
22 TKAT WAS YOUR UNDERSTANDING Of' THE TRANS.\CTION; 22 o. WHAT I WANT TO KNOW IS I WANT TO KNOW YOUR
23 CORRECT? 23 UNDERSTANDING AS TO HOK MUCH MONEY WAS GOING TO BE THE
A. I DON'T REALLY UNDERSTAND THE TRANSACTION AS 24 DOWN PAYMENT.
25 FAR AS MONEY IS CONCERNED. 25 A. I BELIEVE ALL TCX;ETHER IT WAS GOING TO BE
NlVlESAMAAN 1Il0l06 NlVlE SAMAAN 1/1011)6
f - - - - - - - - - - - - - - - - - - - - - - - - + - - - - .. ~·----------------------I
31Q.37~11I1 SOUSACOURTREPOR'ICRS 114-S11-liHl 31()..]n.llll SOUSA COURTREPOkTIRS 71·M11-G111
1 30,OO{). WELL, THE INITIAL OEPOS)T. A. YES.
O. I DON'T MEAN THE INITIAL DEPOSIT. I MEAN THE o. WHAT'S YOUR UND&RSTANDING AS TO THE AMOUNT OF
J TOTAL CASH, THE AMOUNT OF MONEY THAT yOU WEREN'T ) FIRST TRUST DEED LOAN? HAS [T GOING TO BE 80 PERCENT OF
.. BORROWING. I WANT TO KNOW THE AMOUNT OF MONEY YOU WERE " THAT AMOUNT OR SQHE OTHER mOUNT?
5 NOT BORROWING. IF YOU WANT TO USE A PIECE Of PAPER TO A. I BELIEVE 80 PERCENT.
6 CALCULATE IT, THAT'S FINE. o. WHAT WAS YOUR UNDERSTANDING AS TO THE seCOND
A. 1 CAN'T CALCULATE IT BECAUSE I DON"r KNOW HOW 7 TRUST DEED LClA.H? WAS IT GOING TO BE 10 PERCENT or
a TO 00 THAT; SO I WOULD NEED TO ASK MY HUSBAND OR ASK MY 1, 118,000?
9 ATTORNEY. A. I DON'T }(NOW.
10 O. HELL, WAS THE fIRST TRUST OEED LOAN GOING TO BE 10 O. WHAr's YOUR U!'JDERST1WDIHG AS TO THE AMoUNT OF
11 MORE TftAN 1,336, OOO? 11 CASH THAT WAS GOING TO BE. PAID BY yOU THROUGH ESCROW
12 A. THAT'S WHAT IT SAYS. I GUESS NOT. 12 THAT HAS NOT BEING OBTAINED FROM EITHER THE FIRST OR
13 O. LET'S BACf( UP. I'M ASKING FOR YOUR 13 SECOND TRUST DEED LOAN?
14 UNDERSTANDING. 14 A. YOU'RE ASKING FOR THE AMOUNT, OR DID I KNOW HOW
15 A. AND I'M TELLING YOU I DONIT UNDERSTAND. 15 IT WAS GOl NG TO BE --
16 HR. STEIN: I'M ONLY GOING TO OBJECT BECAUSE OF WHAT 16 O. YES. THE AMOUNT.
17 SHE HAS PERSONAII KNOHLEDGE OF -- THAT HE'S ASKING YOU TO 17 A. OH, I DON'T KNOW WHAT THE AMOUNT WAS GOING TO
IB RESPOND TO. SO TO WHAT YOU HAVE, YOU"RE TO RESPOND TO. 19 BE.
19 IF YOU DON'T HAVE PERSONAL KNOWLEDG£, THEN -- 19 Q. DO YOU KNOW HOW IT WAS GOING TO BE CALCULATED?
20 THE WITNESS: ALL I HAVE PERSONAL KNOWLEDGE OF IS 20 A. NO.
21 WHAT 1 1 M LOOKING AT. 21 O. HOW DID You KNOW HOW MUCH MONEY YOU WERE GOING
22 HR. STEIN: I DON'T WANT YOU GUESSING. -1 2- 22 TO NEED TO CLOSE ESCROW?
23 DY HR. CUHHINGS: 23 A. MY HUSBAND WAS TO -- HANDLING THAT.
24 o. I S IT YOUR UNDERSTANDI NG THAT THE PURCHASE 24 0.. DID YOU EVER TELL HR. LI80W THAT YOU DIM IT
25 PRICE WAS GOING TO 8E 1.119,0007 25 KNOW HOW HUCH CASH YOU WOULD BE PUTTING THROUGH ESCROW
NlV1E SAMAAN 1/10AJ6 tfJVJESAMAAN 1/10.'00

Notice #3
Exhibits Volume B
P-C"\l',N'!--+DJioBectluffmA€ei'nf~HAf.I'.";hl)r---Fl
C~;:H!~~~~·~d-\;.!.. 7/2008 Rage 35 of 50
-
JtO-J1l-1111 SOUSA,COURTREPOR'fEJl.S ' ....S71-tllll 110-37]-1111 SOUSA collRT REPORTERS 11"'571-0111
PJacj)
TO CLOSE THE HATTER? A. J HAll KNOWLElJGE of WHAT WAS GOING ON WITH THE
A. I DIDN'T DEAL WITH MR. J.[8OW ON ANY FINANCES. 2 TRANSACTION.
O. DID YOU EVER PUT ANYTHING IN WRITING TO o. NOW, ~HEN IT SAYS HERE, "WE WERE TOLD THE
MR. LIBOW INDICATING YOU DION IT KNOW HOW MUCH MONEY of CONTINGENCY STARTS FROM THE 2JRD," AS OF SEPTEMBER 28,
WOULD BE REQUIRED TO BE DEPOSITED IN CAsH FR.C»t YOU TO 5 2004, IS IT CORRECT THAT YOU HAD NEVER REcEIVED WRITTEN
CLOSE ESCROW? 6 CONFIRMATION?
A. I DOH'T BELIEVE SO. HR. STEIN: E.XCUSE: ME MR. ClJNMINGS, I DIDN'T
Q. DID YOU EVER NOTIFY DR. ZERNlr< THAT 'VOU DIDN'T 8 LOOK -- THANK YOU. ASK IT AGAIN. I GOT LOST. I'M
KNOW HOW MUCH CASH YOU WOULD NEED IN ORDER TO CLOSE 9 SAYING WHERE IN THE HELL IS THF. 23RD.
10 ESCROW? 10 HR. Cll'MHINGS: oKAY.
11 A. NO. 11 O. DO YOU SEE PAGE 500281 DO YOU SEE THAT?
12 O. TO YOUR KNOWLEDGE DID YOUR HUSBAND EVER SP£AK 12 A. YES.
13 TO HR. L180W1 13 Q. oKAY. NOW, IT SAYS r "HELLO, MICHAEL. WE WERE
14 A. r DON'T KNow. 14 TOLD THE CONTINGENCY STARTS FRCti THE 2JRD.·
15 O. DID YOU TeLL Mft. LIBOW THAT YOUR FIANCE DR YOUR 15 DO YOU SEE THAT?
16 HUSBAND WAS WORKING WITH VICTOR PARKS? A. YES.
17 A. 1 DON'T REC.'\LL. 17 Q. DID YoU RECEIVE A COPY Of" THIS E-MAIL oN OR
16 O. DID YOU EVER NOTIFY JOSEPH ZERNIK THAT VOUR 18 ABOUT SEPTEMBER 28, 200041
19 HUSBAND WAS WORKING WITH VICTOR PARKS TO OBTAIN THE LOAN 19 A. NO. I PRoBABLY JUST SAW 1'1". I DON'T .KNOW IF I
20 ON THE PROPERTY? 20 RECEIVED A COpy OF IT OR NOT.
21 A. 1 HAD NEVER SPOKEN OR NOTlrIED MR. ZERNIK 21 a. WHEN YOU SAY YOU SAW IT, WHAT DO YOU MEAN? DID
22 PERSONALL't • 22 YOUR HUSBAND BRING HOO:E coPIES?
23 O. NOW, YOU SEE THE SECOND PAGE, PAGE 50028. WERE 23 A. MY HUSBAND WAS HANDLrNG THE TRANSACTION: SO HE
24 YOU AWARE OF THAT -- OF THOSE E-HAILS IN OR ABOUT 24 HAD A COPY.
25 SEPTDlBER 28, 200'? 25 a. 01 D HE BRrNG THEM HCfoIE?
NIVJE SAMAAN' 7/10/06 NIVJ£ SAMAAN 1/11lJOG
31~37J.·1111 SOUSA COURT REPORTERS 71 ....511.0)11 ]IO-J7.1-1111 SOUSA COURTREPOJlTERS 114-571-&111
A. I DOO I T KNOW I F HE BROUGHT THEM HOME OR NOT. a. ARE YOU ABLE TO ACCESS Gl LLERAN GRI FFIN THROUGH
O. DO YOU RECALL? THAT'S "'HAT I'M SAYING. 00 YOU 2 YOUR NETWORK?
RECALL HIM BRINGING THEM Hc::foiE AND YOU LOOKING AT THEM? A. YES.
A. YES. MY HUSBAND WORKS OUT OF THE HOUSE AT O. THROUGH YOUR CQHPUTER AT HOME?
TIMES; so THEY WERE PROBABLY AT HOME. A. YES.
O. OKAY. SO WOULD IT BE CORRECT TO SAY THAT YOU O. 1 S YOUR HUS8AND ABLE TO ACCESS PACIFIC MORTGAGE
HAD ACCESS TO THE E-HAILS THAT WERE HARKED 50027 AND 1 CONSULTANTS' CCMPUTERS THROUGH HIS CctiPUTER IN YOUR
50028? B APARTMENT?
A. YES. A. YES.
10 o. YOU 5."Y YOU HAVE .1IJf OFFICE, .~D THIS IS IN THE 10 O. SO IS IT CORRECT THA'[' IT'S YOUR UNDERSTANDING,
11 APARTMENT WHERE YOU AND YOUR HUSBAND LIVE; CORRECT? 11 BASED UPQH WHAT NR. L] BOW TOLD YOU, THAT ALL THE
12 A. YES .. 12 CONTINGENCIES WERE TO STAAT FRat SEPTEMBER 23, 2004?
13 O. .&.tiD DOEs YOUR HUSBAND USE THE SAPfE. OFFICE, OR 13 A. YES.
14 00 YOU HAVE TWO OFFICES'? 14 Q. AND THAT'S WHAT YOU HAD AGREED TO; COJl.RECT1
15 A. YEs. He ALSO HAS AN OfTICE AT HIS COMPANY. 15 A. SEPTEMBER 23. 200 .. , YES.
16 Q. DOES HE USE AN OFFICE IN THE HOME? 16 Q. 00 YOU SEE THE e-MAIL OF OCTOBER S, 2004,
17 A. YES. 17 S0029?
16 o. 00 YOU BarH USE TilE SAME OFFICE'? 18 A. YES.
19 A. YES. 19 o. 00 YOU SEE TRAT?
20 Q. DO YOU BOTH USE THE SANg ccttPUTER OR SEPARATE 20 NOW, HAD YOU HAD ANY DIRECT CONTACT WITH
21 CON.PUTERS? 21 ESCROW?
22 A. SEPARATE. -1.3- 22 A. YES.
23 O. AND YOUR COMPUTER IS NETWORKED WITH GI LLERAN 23 O. WHEN WAS THE FIRST TIME YOU HAD ANY DIRECT
24 GRIFFIN? 204 CONTACT WI TH ESCROW?
25 A. NO. 25 A. I DON'T RECALL THE DATE.
NJVlE SAMAAN 7/10106

Notice #3
Exhibits Volume B
c_"""
Case 2:08-cv-0155C
--_.._----- -------_.. _-_._-- .. _-
.P-cw Document 40-3 Filed L
---_._-_ _--_ _ - - - - . - - - - - - - - - -
... .•.
7/2008 Page 36 of 50
Jlo-l71-lllt SOUSACOURTllEPORTERS 71-1-)11-0111 31~371-jlll SOUSA COURT REPORTERS 71-1-.)1!-01I1
P3gc57 hac;1
O. 'AA.S IT BEFORE YOU WENT TO HA\'fAII"? THE eSCROW orfICE BY THE NEXT lJAY. WHICH WAS THE 24TH.
A. [DON'T BELIEVE so. so J DID !lOT 5PEAf< TO HTM UNTIL THE nEXT DAY OF 'rHE 24TH
Q. WHO DID YOU SPEAK TO AT MARA ESCROW? AND TOLD HIM THAT I COULD HAVE THE CHECK AT ESCRCM BUT
A. GAIL HERSHOWITZ. THAT THERE WOULD BE }\ HOLD ON THE FUNDS BECAUSE I W.a.8
O. ANYBODY ELSE? TRANSFERRING IT FRCH ANOTHER ACCOUNT, AND SO I COOLD
A. 1 MAY HAVE SPOKEN TO ANOTHER LADY .&.T ONE PQIN'l'. GIVE THEM THE CHECK. BUT THEY HERE TO HOLU IT FOR A
I DON I T RECALL THE N.\ME COUPLE OF DAYS BEFORE DEPOSITING IT.
O. AND DID YOU SPEAR TO GAIL HERSKOWITZ BEFORE YOU AND THEN AT THAT TIME I SPOKE TO -- I ALSO
RETURNED f'RC1'4: HAWAII? CALLED GAIL H£RSHOWITZ TO LET HER KNOW THAT EXACT THING.
10 A. NO. 10 so HE KAO TOLD M:E JUST TAKE THE CHECK IN THERE, AND WHEN
11 Q. WHeN YOU GOT BACK FRC« HAWAJ I. WHEN 1 S THE 11 I SPOKE TO GAIL, I -- I TOLl) HER THAT THAT WA5 GOING TO
12 FIRST TIME YOU SPOKE TO GAIL HERSHOWITZ? YOU RETURNED 12 BE THE CASE AND THAT THE CHECK COULD NOT BE DEPOSITED
13 FROM HAWAII ON SEPTEMBER 23; ]5 THAT CORRECT? 13 BECAUSE THE FUNDS WOULD NOT BE AVAILABLE If SHE DID, AND
14 !MR. ZERNIK LEFT THE DEPOSITION ROOM. t 14 SHE SAID, "THAT'S NOT A PROBLEM, EVEN IF WE DID" -- IF
15 THE WITNESS: YES, IN THE LATE EVENING. lS IT DID -- IF IT DID BOUNCE, THEY JUST REDEPOSIT, BUT I
16 BY MR. CUMMINGS: )6 TOLD HER I DID NOT W1\NT THAT TO HAPPEN; so SHE SAID SHE
11 O. WHEN]5 THE FIRST TIME YOU SPO~E TO 17 WOULD HOLD ON TO IT.
18 MS. HERSKOWITZ'? 18 O. WAS THIS CONVERSATION Ol'l THE PHONE DR IN
19 A. I BELIEVE IT WAS THE 24TH. 19 PERSON?
20 O. WHAT DID 'IOU SAY TO MS. HERSKOWITZ. AND WHAT 20 Jl.. ON THE PHONE.
21 DID SHE SNf TO YOU? 21 O. DID yOU OEL1VE.R THE CHECK THE NEXT -- ON THE
22 A. WELL. LET ME BACK UP. I HAD A VOICE MAIL 22 24TH TO MARA ESCROW?
23 MESSAGE ON MY CELL PKQNE FR~ MICHAEL LIBOW THE EVENING 23 A. NO. WHAT HAPPENED WAS MICHAEL LIBOW WAS
24 THAT I RETURNED, WHICH WAS THE 23RD, .:wn HE STATED THAT 24 ADAMANT THAT THE CHECK BE GIVEN TO HIS ASSISTANT AND
2S THEY NEEDED TO MAVE THE INITIAL DEPOSIT OF' $15,000 AT 25 TAKEN TO HIS ASSISTANT'S HOME. so WE DID THAT ON THE
NlVlE SAMAAN 7/10106 NIVlESAMAAN 7f1G/06
11(1.312·1111 SOUSACOURTREPORTERS 7J4-S71-0111 IJ~]1l--111J SQUSACQUR.TREPOR1'ERS lI4.Sn-01Il
PlJctiO
EVEnING OF THE 24TH. MR. STEIN: CAli WE GET ONE: MOP.E COPY, PLEASE'? THANK
O. WHOSE HOME WAS IT TAKEN TO? YOU.
A. HIS ASSISTANT. I }(AVE NO IDEA WHOSE NAME -- [ BY MR. CUMHINGS:
DID NOT TlIKE THE CHECK. MY HUSBAND TOOK THE CHECK. Q. IS THAT A COPY OF THE CHECR THAT YOO GAVE TO
Q. YOU DON'T REMEMBER THE ADDRESS? MARA ESCROW"?
A. NO. I IiIlS NEVER THERE. A. IT WASH °T GIVEN TO MARA ESCROW. IT WAS GIVEN
MIl. CUMMINGS: IS THAT CHECK IN HERE? TO MICHAEL LI8OW'S ASSISTANT.
MR. STEIN: YES. I THINK. ACTUALLY. IT'S NOT IN Q. AND IS IT CORRECT THAT AT THE: TIME YOU WROTE
HERE. IT'S In THE MARA ESCROW DOCUMENTS THAT THEY THE CHECK, YOU KNEW THAT IF' IT WAS DEPOSITED ON
10 PROlJlJCED. 10 SEPTEMBER 24, 200-4, oR SEPTEMBER 25, 2004, THAT IT WOULD
11 THE WITNESS: I' H GOING TO USE THE RESTROOM. 11 HOT CLRAR?
12 IBRIEF RECESS.) 12 A. YES, AND [ HADE THAT CLEAR.
13 MR. CUMMINGS: LET ME H1\RK AS EXHIBIT 3 A COPY OF A lJ o. ot< SEPTEMBER 24, 2004, WOULD IT HAVE BEEN
14 CHECK, DATED SEPTEMBER 24, 2004. 14 POSSIBLE FOR YOU TO GET A CASHIER'S CHECK OR CERTIFIED
15 THE WITNESS: Ml\Y I SEE THAT? 15 CHECK FOR $15,000 AND DELIVER IT To MR. LIBQW'S
16 HR. STEIN: YOU'RE GOING TO GET A COPY. 16 ASSISTANT?
17 FRONT AND BACK. THERE' S WRITInG ON TilE BACK A. NO.
18 ALSO. 18 O. AND WHY IS THAT'?
19 IWHEREUPON THE AFOREMENTIONED DOCUMENT 19 A. BECAUSE IT WAS TOO LATE IN THE EVENING.
20 WAS SUBSEQUENTLY HARKED BY THE REPORTER lIS 20 O. WHY WEREN'T YOU ABLE TO DO IT DURING THE DAY OF
21 DE:FENDllNT'S EXHIBIT 3 FOR IDENTIFICATION AND 21 SEPTEMBER 24?
22 IS HERETO ATTACHED.) -1 4- >2 A. BECAUSE I ALREADY SAID THAT THE FUNDS WERE NOT
23 BY MR. CUMMINGS: 23 AVAILABLE; SO I COULD NOT GET A CASHIER'S CHECK.
24 Q. NOW, IS 'mAT THE. COPY of THE CHECK THAT YOU 24 O. YOU COULDN'T GET I'l' FRa-I my OF YOUR ACCOUNTS,
25 GAVE-- 25 YOUR HUSBAND'S ACCOUNTS?
NIViP. SAMAAN 7/t0l06 NlY1E SAMAAN 7/1Ml6

"Notice#3""'
Exhibits Volume B
B-261
,__C~a"",se 2:08-cv-0155C p-cw Document 40-3 Filed l 7/2008 Paae 37 of 50
JjO-Jn~rJIl SQUMCOURJIlEPORT'ERS 1I-l-:i1'~111 Jll)..J7}·1111 SOUSACOURTREPORlERS 11.1-)11-0111
It.. NO. I WAS l'RANSF"ERRJNG MONEY INTO THIS .ll.CCOUNT

P,,!e6~
1 GIVEN AT THE TIME THE OfFER IS ACC£PTEO?

....'"
2 THAT I WA.N'TED TO USE:. THE nmns WOULD NOT CLEAR. THERE A. Y8.S, THAT THERE ARE --
3 WAS A HOLD ON THE FUNDS. O. ISN'T THAT THE STANDARD IN THE REAL ESTATe
O. NOW, WHEN YOU WENT TO HAWAII. IS IT CORRECT INDUSTRY? DIDN'T YOU UNDERSTAND THAT?
5 THAT YOU UNDERSTOOD THAT .$] 5,000 MAS DUE AT ACCEPTANCE? A. YES, IT IS THE STANDARD, BUT IT'S ALSO THE
A. THE ACCEPTANce or THE 23RO. 6 STANLJARU tHAT JF YOU GIVE A V£POS1T ANU YOU'RE ASKELJ TO
o. so YOU UNDERSTOOD S 10. oao WAS DUE ON "] HOLD IT fOR A coUPLE OF DAYS, THAT THAT IS GAANTED, AS
8 SEPTEMBER 23 -- B LONG AS THEY HAVE THE DEPOS!T.
A. NO, NOT iHE 23RD. WE WERE B.l\CK ON THE 23RD. O. CAN YOU LOOK AT 50044 THROUGH 5006£.
10 I DID NOT KNOW THAT IT WAS GOING TO BE DUE THE:: 10 A. YES.
11 SEcor~1) WE GOT BACK INTO TOWN. I WAS NOT MADE AWARE OF 11 O. LET'S TAKE OFF THE LAsT -- 500£6. LET'S
12 THAT BY tHcHALE LIBOW, EXCEPT FOR HIS fRANTIC MEsSAGE 12 SEPARATE THAT fROM THI3 OTHER PACKAGE. I WANT TO T.~LK
13 THAT fiE LEfT H! THAT EVENING. 13 TO yOU ABOUT THE ESCROW INSTRUCTIONS, WHICH --
O. YOU KNEW THAT IT WAS DUE urON ACCEPTANCE; 14 MR. STEIN; SO YOU'RE HAKING INQUIRY ABOOT 44
IS CORRECT? 15 THROUGH 65; IS THAT CORRECT?
16 A. NO, NOT NECE.SSARIL.Y_ 16 HR. CUMMINGS; WE'LL GO 44 THROUGH 48. LETfS LOOI(
O. LooK AT 50021:. 17 AT THOSE fI RST.
18 A. YES. 18 MR. STEIN: OKAY.
19 O. IT SAYS, "INITIAL DEPOSIT TO BE S15,000 WITH 19 BY HR. CUMMINGS:
20 INCREASED DEPOSIT OF ADDITIONAl. 15,000 WITHIN 14 DAYS 20 O. THOSE ARE DATED SEPTEMBER 22, 2004: CORRECT?
21 FRot-1 ACCEPTANCE. '. 21 A. YES.
A. YES. O. YOU GOT BACK INTO TOWN 'THE NIGHT of THE 23RD OF
23 O. IS THAT CORRECT? 23 SEPTEMBER; CORRECT?
24 A. YES. 2. A. YES.
25 Q. ISN'T IT CORRECT THAT THE INITIAL DEPOSIT IS O. so ON THE 24TH, DID yOU GO TO ESCROW1
NlVJESAMAAN 7/10106 NTVlE SAMAAN 1111006
~-------------~---------~-----------._ ..- - - - - - - - - - - - - - - - - - - - - - - - - - 1
11(1.371-1111 SOUSA COURT REPORTERS 71 ....571..0111 llD-371_1111 SOUSA COURT REPORtERS 71....S7).(I111
A. NO, J DID NOT GO TO ESCROW. A. YES. THAT WAS NOT GIVEN TO MARA ESCROW. THAT
Q. DID YOU CONTACT ESCROW TO SEE IF THE ESCROW :2 WAS GIVEN DIRECTLY TO MICHAEL LIBOW.
3 INSTRUCTIONS HJ'D BEEN PREPlu~ED? O. ON WHAT DATE?
A. I DON'T KNOW I f I 01 D IT THAT DAY OR IN THE A. OCTOBER 'I.
5 NEXT COUPLE OF DAYS AFTER THAT. O. AND DID YOU ALSO GET THE PRELIMINARY TITLE
O. DID YOU LEARN TRAT ESCROW INSTRUCTIONS HAD BEEN 6 REPORT -- THAT'S S0050 TO S0065 -- ON OCTOBER 4, 2004?
1 PREPARED AND WERE READY f"OR YOU TO SIGN? A. IT'S OCTOBER 6, 2004.
A. I DON'T REC.~L_ O. OCTOBER--
O. WHEN DID YOU RECEIVE 50044 THROUGH 500407 9 A. I DON'T KNOW. I WAS NOT DEALING WITH THAT. MY
10 A. WELL, WE DEFINITELY DIDN'T RECEIVE THEN ON 10 HUSBl\IlD WAS -- lIND VICTOR PARKS.
11 SEPTEMBER 22 _ [BELIEVE 1T WAS AROUND OCTOBER -4, WHICH 11 O. OJ D YOU EVER REVI EW THE PRELIMI NARY TITLE
12 STATES ON THE FAX DATE AT THE TOP OF THE SHEET IS IIHEN 12 REPORT?
13 THIS WAS RECEIVED. 13 A. NO, 1 DID NOT.
14 Q. WHEN DID YOU SIGN AND RETURN THEM? 14 O. LOOt<ING AT S0030~ DO YOU SEE THAT?
15 A. [ DON'T KNOW. I DON'T RECALL. 15 A. I THINK THERE NEEDS TO BE A CORRECTION HADE.
16 O. DID YOU DO IT RlGHT AWAY? 16 YOU WERE STATING TKAT WE RECEIVED THE ESCROW
17 A. OH, I PROBABLY DID IT ON THE SAME DAY. 17 INSTRUCTIONS ON OCTOBER 4. IT'S OCTOBER 6.
18 O. so IT':; YOUR BEST ESTIMATE THAT YOU SIGNED AND 18 O. I THIN'K YOU SAID TfL'\T.
19 RETURNED THE ESCROW INSTRUCTIONS TO MARA ESCROW ON 19 A. OKAY.
20 OCTOBER 6, 2004? 20 YES, I'M LOOKING AT IT.
21 A. YES. 21 O. NOII--
22 O. AND ON OCTOBER . , 2004, DID YOU ALSO DELIVER -1 5- 22 HR. STEIN; S0030?
23 SlS,()OO THROUGH A CASHIER t 5 CHECK TO MARA ESCROW? 23 BY HR. CUHHINGS:
24 A. WHAT ARE YOU REPERIHHC -- OCTOBER 41 24 O. WAIT. CAN YOU LOOK AT 50074 AND 500750.
25 O. YES, S004 9. 25 A. YES.
KlVlESAMAAN 7I10J06 NlVlE SAMAAN 1J1Ml6 'Notice~ #3 . -

Exhibits Volume B
B-262
Case 2:08-cv-0155C p-cw Document 40-3
- - --_.__._-------'-,------
Filed l 7/2008
-------------~.-
Page 38 of 50
]lo-l1~lllt SOUSACOlJRTREPOR"ffiRS 'l~..j71.J}111
P':1&c6S p.....
Q_ NOW, DID YOU RECEIVE s0074 AND S0015 ON LI:;NVER'S NOTIFICATION THAT THE VALUE OF THE HOME IS
2 OCiOBER 18 r 20041 2 JUSTTFIED."
A. YES. A. YES.
Q. AND DID YOU UNDERSTAND THAT DR. ZERNIK WAS Q. AND I S IT CORRECT THAT YOU KNEll AT THAT Tl ME
5 GIVING You A NOTICE TO PERFORM AS FAR AS REMOVAL or THE 5 TlIAT BY FAILING TO REMOVE THE APPRAISAL CONTINGENCY,
6 LOAN AND APPRAISAL CQNTINGENCI ES WITHIN 2"1 HOURS OR HE; 6 THAT THE SELLER KAY ELECT TO CANCEL THE AGREEMENT?
7 MAY ELECT TO CANCEL THE AGREEMENT? A. YES.
A. YES. Q. THEN I WANT TO GO TO THE .NEXT PARAGRAPH,
O. AND YOU UNDERSTOOD THAT ON OCTOBER 18, 2004; 9 PARAGRAPH".
10 CORRECT? 10 IS IT YOUR 'TESTIMONY THAT GAIL HERSHOWITZ TOLD
II A. YES. 11 YOU THAT SHE HAD NOT PREPARED ESCROW INSTRUCTIONS ON
12 O. LOOK .i\T EXHIBIT S0077 THROUGH S0080. 12 SEPTEMBER 24, SEPTEMBER 29, .a.ND OCTOBER 6, 200"?
13 DI D YOU SEND THOSE F'OUR PAGES. 77 THROUGH 80. 13 A. YES.
1-4 TO MR. LlBQW BY FAX ON OCTOBER 2a, 2004? 14 O. YOU'RE SURE OF THAT?
15 A. YES. 15 A. EITHER SHE HADN'T PREPARED THE'" OR SHE WOULDN'T
16 O. AND ARE PAGES 18 l\Nn 19 A COPY Of A LETTER THAT 16 GIVE TO IT us. THOSE ARE 1'HE ONLY TWO THINGS THAT --
11 YOU FAXED TO HR. LIBO'N ON OCTOBER 20=, 11 O. WELL, IN 'iOUR LETTER, YOU'RE SAYING SUE TOLD
IB A. YES. 18 YOU THAT SHE: WAS WAITING TO HEAR FROM YOU. "YOU"
19 O. NOW, LET'S GO THROUGH THIS LETTER. YOUR LETTER 19 MEANING HR. LIBOW --
20 ACKNOWLEDGE.S 1'HAT YOU GOT THE -- THE F[J~sT PARAGRAPH ON 20 A. EXACTLY.
21 OCTOBER lB, 2004, YOU RECEIVED THE NOTICE TO BUYER TO 21 Q. -- BEFORE SHE COULD PREP1I.RE IT.
22 PERFORM; CORRECT? 22 A. EXACTLY.
23 A. YES. 23 O. NOW, DID GAIL HERSHOWI'l'Z TELL 'tOU THAT SHE WAS
24 O. THE THIRD PARAGRAPH SAYS. "YOU WI LL NOT REMOVE 24 WAITING FOR MICHAEL LIBQW BEFORE SH~ COULD PREPARE THE
25 THE APPRAISAL CONTINGENCY UNTIL I HAVE: RECIUVE:D THE 25 ESCROW INSTRUCTIONS?
NlV1E SAMAAN 1/10106 NIVlE SAMAAN 1/1Ml6
r---------------------------------+-- --.------------------------1
31o.3U-llli SOUS.ACOURTREPOR1'E.R8 714.j71.(1111 ]10.)12.\111 SOUSACOUllTREPORTERS 114-.s1I-oI~t
r.,efta
A. YES. A. YES.
O. DID SHE TELL YoU THAT ON SEPTEMBER 24? O. s008~ ANn 50086, IS THAT SOMETHING YOU RECEIVED
A. SJlE TOLD ME THAT ON ALL THREE DAYS THERE. 3 FRili HR. LIBOW?
O. SEPTEMBER 24, SEPTF.MBER 29, AND OCTOBER 6; A. YES.
5 CORRECT1 Q. THEN THERE' S S(l4ETHING HANDWRITTEN THERE" ON THE
A. YES. 6 SECOND PAGE. S0086.
Q. AND IS It' CORRECT 'IHAT ON' OCTOBER 20, 2004, YOU 1 IS THAT YOUR HANDWRITING --
8 FAXED TO MR. LIBOW' THE CONTINGENCY REMOVAL NO. 2 FOR THE A. NO.
9 LOAN AND TITLE, BUT YOU DID NOT REMOVE THt; APPRAISAL o. -- "MICHAEL, PLEASE SEND COPIES TO BETH ST'fNE
10 CONTINGENCY ON THAT DATE? 10 IN ESCROW"1
II A. YES. II A. NO. THAT IS NOT MY SIGNATURE. THAT IS NOT MY
12 O. NON, LOOK AT 50042 AND 50043. 12 KANDWRITING.
13 ARE THosE DOCUMENTS WHERE yoO NOTIF'IED 13 O. NOW, IS IT CORRECT THAT YOU RECEIVED SOOB6, A
14 HR. LI80" OF THE CONTINGENCY REMOVAL FOR REPORTS AND 14 LETTER FROI4 DR. ZERNIK ADDRESSED TO YOU -- TO MICHAEL
15 DISCLOSURES IN YOUR INVESTIGATION OF THE PROPERTY? 15 LIBO).4 -- TO YOU AND MICHAEL. LIBOW, STA.TING THAT HE HAS
16 A. YES. 16 CANCELING THE ESCROW?
11 O. CAN YOU LOOK AT 50083. I? HR. STEIN: MISSTATES WHAT THE DOCUMENT STATES. IT
18 IS THAT A VOICE M.\.IL OR E-MAIL, OR 'WHAT IS 1B SPEAKS FOR ITSELF.
19 TKAT? FAX? CAN YOU TELL HE WHAT THAT IS? IS THAT A 19 BY HR. CUMMINGS:
20 COpy OF AN E-KAIL? 20 O. DID YOU RECE1VE 50086 ON OCTOBER 11, 20041
21 A. I THINK THAT WAS AN E-MAIL. YES, E-MAlL. 21 A. YES.
22 O. E-MAIL TKAT YOU SENT TO MiCHAEL LI&OW? -1 6- 22 Q. AND DID yOU SEND sOGe .. TO HR. LIBOW THE EVENING
23 A. YES. 23 Of' OCTOBER 21, 2004. AfTER YOU RECEIVED S0086 FRCf>f
24 o. DID YOU EVER SEE TilE: E-HAIL THAT'S MARKED 24 HR. ZERNIK?
25 SaOa4? 25 HR. STEIN: PLEASE RESTATE TMT BECAUSE r'M CONFUSED
NlVlESAMAAN 7IIMlU NMEMMMN 1/1_ Notice #3

Exhibits Volume B
_B:2."-'L
f11 -'
Case 05-90374 .-....
Document 260-7 Filed in TXSB on 05/08/09 Page 20 of 35
..
Page 39 of 50 _ _
310-311-1111 SOUSA COURTREPORTEllS 114->71-0111 310-312-1111 SOUSACOURTRFJ'ORTERS 7.... ~57I-OI~1
AS TO THE NUMBERS OR HAVE THE COURT REPORTER -- THE WITNESS: OKAY. WHAT WAS THE QUEST]ON,?
BY HR. CUMMINGS: BY HR. CUMMINGS:
o. 50086 WAS FAXED TO YOU AT 4 :16 P.M:. ON Q. WHICH ONE WAS SENT F]RST? DID YOU RECEIVE
OCTOBER 21, 2004; CORRECT? 50085 BEFORE YOU SENT 500831
A. I DON'T SEE THE 'T]ME. I"M NOT SURE. HR. STEIN: IF SHE. liAS KNOWLEDGE.
o. CAN YOU TURN TO THE FRONT PAGE. 50085, THE THE WITNESS: I lJON'T BELIEVE l"u SEEN THE UOCUHENT
COVER SHEET_ 50086 BEFORE I SENT MY DOCUMENT, EVEN THOUGH THE T1HES
A. OKAY. YES. STATE THAT I SEliT MINE -- THAT MICHAEL -- THAT
O. OKAY. AND THEN YOUR E-MAIL TO MR. LIBOW IS MR. ZERNIK SEN1' HIS BEFORE MINE, I DON'T KNOW IF I SAW
10 1:09 P.M. 10 HIS BEFORE I SENT MINE.
11 A. THAT'S FR(tI( MICHAEL LIBON. lJ BY MR. CUMMINGS:
12 Q. OKAY. FRett MICHAEL LIDON TO YOU. OKAY. 12 Q. OKAY. SO YOU SENT 30083.
13 GOING BACK THEN TO 50083. 13 THEN YOU SEE SOOB5 AND 50086; CORRECT?'
14 A. YE.S. A. YES.
IS o. THAT E-MAIL IS DA.TED OCTOBER 21, 2004; CORRECT? IS O. AND THEN DID YOU RECEIVE $0064 FROM MR. LlBOW?
16 A. YES. 16 A. YES.
J1 Q. AND NAS IT SENT BY YOU TO MR. LIBOW AT DR ABOUT 17 O. DO YOU SEE THE LAST PARAGRAPH IN MR. LlBOW'S
18 5:09 P.M.? 18 E-MAIL TO YOO,? THAT'S SOOB4, WHERE IT SAYS, "I WILL
19 A. YES. 19 MAKE EVERY ATTEMPT TO CALM HR. ZERNIJ<, AND, HOPEF"ULLY,
20 O. ON TnAT DATE'? 20 HE' LL BE ABLE TO TELL HIM TOMORROW THAT YOU ARE READY TO
21 A. YES. 21 RELEASE ALL CONTINGENCIES. I DO NOT KNOW IF THIS WILL
22 O. NOW, WAS TH..'tT SENT BEFORE OR AFTER YOU RECEIVED 22 BE EFFECTIVE, BUT IT'S THE BEST THAT r CAN DO. SHOULD
23 500851 23 HE ELECT NOT TO CANeE L THE CONTRACT. I BEL] EVE THAT HE
21 A. I DON'T HAVE AN 50085. 21 WILL NEED ADDITIONAL TIME IN THE PROPERTY, INCLUSIVE Of
25 HR. 5t[HI: YES, YOU DO. 25 THE NEE:D FOR FUNIG.ATION." DO YOU SEE THAT?
NlVIESAMAAN 1110106 N1VIE SAMAAN' 7110A>6
JID-lil-IIII SOUSA COURTRlPORTERS 71"'511-0111 ]19-372·1111 SOUSA COURTREI'ORlERS 714-.s71~Ht
A. YES. Q. AND YOU FAXED THAT TO MR. LI80W; IS THAT
O. DID YOU UNDERSTAND AT THAT TIME THAT DR. 2£RNIK CORRECT?
MAY' PROCEED WITH HIS ELECTION TO CANCEL THE CONTRACT? A. YES.
HR. STEIN: I'M GOING TO OBJECT AS IT CALLS FOR A HR. STEIN: NR. CUMMINGS, I THINK THAT THIS WOULD BE
LEGAL CONCLUSION. A GOOD TIME fOR ME, IF YOU DON'T HIND.
MR. CUMMINGS: I'M ASKING FOR HER STATE OF HIND. MR. CUNMINGS: FINE. WE'LL BP.EAJ( AT THIS TINE.
HR. STEIN: OKAY. OFr THE RECORD.
IIR. CllMllINGS: HER UNDERSTANDING. (WHEREUPON AT THE HOUR OF 12:32 P.M.,
THE WITNESS: COULD YOU REPEAT THE QUESTION. THE DEPOSITION WAS ADJOURNED FOR A LUNCH
10 BY MR. CUJ1IoIINGS: 10 BREAK, TO RESUME AT 1:30 P.M.)
)) O. YES. DID YOU UNDERSTAND WHEN' YOU RECEIVED II
12 HR. LIBOW'g [-MAIL TO YOU, THAT'S MARKED 500684, THAT 32
13 DR. ZERNIK HAY CONTINUE TO ELECT TO C.WCEL THE CONTRACT,? 13
J1 A. YES. 14
IS O. LOOKING AT EXHIBIT OR AT DOCUMEN'1' NO. SOD -- IS
16 SD102, SOlD] -- 16
J1 A. YES. 11
IB O. -- TIV.T'S WHEN YOU FINALLY WAIVED THE LOAN 18
19 CONTINGENCY; IS THAT CORRECT? 19
20 A. ALL THE CONTINGENCIES W£RE REMOVED. 20
21 O. AND THAT'S ON OCTOBER 25, 2004? 21
A. YES. -1 7- 22
23 O. THAT'S WHEN YOU W.r"IVED THE APPRAISAL 23
24 CONTINGENCY FOR THE FIRST TIME; CORRECT? 21
25 A. YES. 25
NlVJE SAMAAN 7/l0t06

Notice #3
Exhibits Volume B
.... ~~
Case 2:08-cv-:,_Q155Q -:J_r.w nnl"llrYlOn AfI .. '=! Cile€l--{ 1/2008
Page 40 of 50 ~
)10--312·1111 SOUSA COURT MEPORTT:RS 7t..t-S11..o111 310.372-1111 SOUSA COURT REJ>oRTERS 11-1-511-0111
P:tccl-t
AfTERNOON SESSION 1 EVEN TH.OUGH IT WAS HIS LEGJ\L RIGHT TO CANCEL. 1
(WHERF,.UPON AT THE HOUR Of 1: 32 P.M. 1 DID NOT BELIEVE THAT -- "1'81\1' HE WoULD CANCEL OR HE
Of' THE SANE DAY, AT THE SAME PLACE.. THE- 3 SHOULD CANCEL BECAUSE OF THE FACT THAT HIM AND HIS
SAME PARTIES BEING PRESENT THE TAKlNG OF 4 REPRESENTATIVES DELAYED US IN RECEIVING ALL THE
THE WITHIN DEPOSITION WAs RESUMED, AND 5 INFORMATIoN THAT WE NEEDED TO MEET OUR OBLIGATIONS. so,
THE FOLLOWING PROCEEUINGS OCCURF,EL>:) [III MY OPINION, I U(U NOT fEEL THAT HE SHQULU HAVE
1 cANCELED OR BEcAUsE. THAT THEY DID- NOT MEET THEIR
NIVIE SAHAAN .. 9 OBLIGATIONS IN GETTING US ANYTHING IN 1\ TIMELY FASHION
THE WITNESS HEREIN .. HAVING BEEN PREVIOUSLY 9 SO WE WERE PRECLUQED FRa-f MEETING OUR OBLIGATIONS.
10 DULY ADMINISTERED THE OATH WAS EXAMINED 10 O. WHAT IS IT THAT YOU CLAIM THAT HR. ZERNIK
11 J\ND TESTIFIED FURTHER AS fOLLOWS; 11 PREVENTED YOU FROM -- (JIU NOT PROVILIE TO YOU WITHIN A
12 12 TIH£L'i FASHION?
13 EXANINATION 4RE5lJMED) 13 A. WELL, THEY ARE THE ONES THAT PICKED THE ESCROW
14 BY MR. CUMMINGS: 14 COMPANY, WH[CH IS MAM ESCROW; so THEY WERE RESPONSIBLE
IS O. LOOl< AT 0030. )S IN NOT GETTING US THE PRELIMINARY TITLE. AND THERE HAS
16 WERE YOU AW.~E or THESE TWO E-MAILS [N THE. TIHE 16 SetiETHING ELSE. I DON',. i<NOW EXACTLY. 1 THINK THE
lJ FAAKE Of' OCTOBER 18 11 LOAN -- THE ESCRQN INSTRUCTIONS AND THE PRELIMINARY
16 A. THE 19TH? 18 TITLE, tmTIL -- I THINK IT WAS NOTED OCToBER 6. HE HAD
19 O. -- AND THE 19, 20041 19 ACCEPTED THE oFF&~ AS OF THE 16TH, AND THOSE THINGS WERE
20 A. YES. 20 NOT FORWARDED TO THE LOAN OFfICERS UNTIL OCTOBER 6. SO
21 Q. DOCUMENT -soon. 21 WAS QUITE DELAYED. AND ALSO OUR ESCROW INSTRUCTIONS
22 WERE YOU AW.llRE of TltAT [-MAl L ON OCTOBER 19, 22 WERE DELAYED BEING SENT 'f0 us.
23 200·0 23 AND I WANTED TO POINT OUT IN THE ESCRON
24 A. I WAS AWAAE THAT THE SELLER MIGHT CANCEL, BUT I 24 INSTRUCTIONS -- WHERE ARE THE ESCROW INSTRUCTIONS?
25 WANT TO ELABORATE ON SOMETHING 25 HR. STEIN: IT WOULD BE 44.
NIVlESAMMN 1/10106 ","VIE SAMAAN 1/1Ml6
)1~)1l-1111 SOUSACQURTREPORrnRS 114-SlI-0111 1100-311·1111 3OUSACOURTREPOJt.TERS n4.s71~111
"'~7S .... .,.

THE WITNESS: 44? 1 GONE OVER. I DON'T REMEMBER WHERE IT IS. THAT TIME
HR. STEIN: YES. 2 THAT I WROTE TO MICHAEL LIBON AND TOLD KIM ON THREE
THE WITNESS: OKAY. IN NO. 44, WHERE IT STATES THAT J SEPAAATE OCCASIONS I SPOKE TO GAIL HERSHOWITZ, AND SHE
ON OCTOBER 8, WE WOULD BE GIVING A $15,000 DEPOSIT, THAT 4 KEPT SAYING, 11'1 HAVE TO WAlT FOR MICHAEL LIBOW To GIVE
IS EVIDENCE TO ME THAT THEY DID AGREE TO THE ONE-WEEK S HE THE AUTHORITY TO DO ANYTHING."
EXTENS I ON BECAUSE I F THEY "AON' T, IT WOULD HAVE BEEN HR. STEIN: ITtS HERE.
OCTOBER 1. SO THAT IS EVIDENCE THAT THEY AGREED TO tHE WITNESS: 18. IT' 5 IN PARA.GRAPH 4.
EXTEND THE ACCEPTANCE. B BY MR. cUMMINGS:
SO MY THINKING WAS THAT THERE WAS NO RUSH O. WHEN WAS THB nRST DATE THAt YOUR LoAN BROKER
10 B£CAUSE THEY WERE NOT RUSHING IN GETTING US WHAT WE 10 REQUES~ED THA~ ESCROW INS~RUCTIONS BE PROVIDED?
11 NEEOED. 11 HR. STEIN: IF SHE HAS t<NOWLEDGE.
12 HE ALso DID NOT RECEIVE AllY OF THE TRANSFER 12 NOT TO GUESS.
13 DISCLOSURE AGREEMENTS. THOSE WERE ALSO LATE. WE DID 13 THE WITNESS: I DON'T -- 1 1 M SURE IT'S IN ONE OF
14 NOT SIGN THOSE OR EVEN RECEIVE THEN UNTIL OCTOBER 4, AND 14 THESE DOCUMENTS. I DON'T KNOW EXACTLY WHAT DATE IT IS,
15 THAT WAS WAY PAST THE SEVEN DAYS AFTER ACCEPTANCE; so IS BUT I'M SURE THAT THEy'RE IN THESE DOCUMENTS. IT'S IN
16 THEY WERE NOT IN A TINELY FASHION AS FAR AS GETTING 16 ONE OF THE E-HAILS TH1lT HE RAD SENT TO HICHAEL LIBOW.
17 EVERYTHING THAT WE NEEDED, BUT THEY ZXPECTED US TO BE IN 17 BY HR. CUMMINGS:
18 A TIMELY FASHIoN. THEY MADE IT DIFFICULT FOR US TO GET 16 O. HoW DID GETTING THE PRELIMINARY TITLE REPORT --
19 ANYTHING WE NEEDED TO GET IN ON TIME. 19 NOT GETTING 1'HAT UNTIL OCTOBER 6 PREVENT YOU FRat:
20 o. DID 'tOU PERSONALLY EVER ASK THE ESCRoW CCttPANY 20 WA1VING THE APPRAISAL CONTINGENCY ON OCTOB&R 20?
21 TO GIVE YOU A COPY OF THE ESCROW INSTRUCTIONS? 21 A. FRer-t MY KNOWLEDGE, WHAT HAS BEEN EXPLAINED TO
22 A. ABSOLUTELY. -1 8- 22 HE, AND I MIGHT NOT BE SAYING THI S CORRECTLY, BUT THE
23 O. WHAT DAY? 23 LENDER NEEDS TO HAVE THE PRELIMINARY TITLE REPORT IN
24 A. oN THE THREE DAYS. ON THOSE "THREE OCCASIONS 24 ORDER TO SUBMIT THE LOAN. 'WITHOUT IT, THEY CANNOT
25 THAT WAS STATED IN ONE OF THE LETtERS WJH CM WE' D ALREADY 2S PROCEED WITH THE LOAN.
NlVIE SAMAAN 7nM>6 NlVlE SAMAAN 7110AXt
Notice #3
L- .L.-. ~E-xhibit'" Vnh,m<> R
B-265
.---+C~u.se 2:08 cv 0155C 7/2-DI\JO~8-~P<ilagrne3-441+~
~~C::::l\:~:J-------, I
)1G-311-1111 SQUSACOlJRTIIFJ"ORTERS 11 .... )11-41111 ltD-ln.1111 SOlJSA COURT 1tEPORT'ERS 7t~·511-e111
PoIzc77
Q. IS IT YOUR TESTIMONY TKAT THE DELAY IN GETTING PARTY; so I GUESS THEY HOULlJ BE WORKING FOR 80TH OF US,
2 THE PRELIMINARY TrTU: RE.PORT BEFORE OCTOBER 6 PRF,VEHTED 2 BUT THEY WERE SELECTEO BY THEM.
3 THE APPRAISAL FROM BEING COMPLETED? O. WELL, ISM"T IT CORRECT THAT FR(»04 YOUR EDUCATION
A. IT PREVENTED -- IN REAL ESTATE A5 A SALES AGENT, THAT YOU'RF; ANARE THAT
MR. STErN: HOLD ON. I'M GOING TO OBJECT TO THE 50 AN ESCROW CctfPANY IS THE AGENT FOR BOTH THE BUYER AND
6 QUESTfON AS IT CALLS FOR A LE.GAL CONCLUSION, AND IT ASKS 6 THE SELLER'?
7 FOR HER OPINIONS IN THE AREAS THAT SUE'S NOT QUALIFIED A. YES, I AM AWARE! BUT LET ME RESTATE THAT I HAD
e TO TESTIFY, AND [1' ASKS roR EXPERT OPINION. 8 HOT HAD ANY REAL ESTATE EXPERIENCE BEFoRE THI S
9 BY HR. CUMMINGS; 9 TRANsACTION.
10 O. Do YOU KNOW WHEN THE APPRAISAL WAS ORDERED? 10 O. BUT YOU'RE AWARE FROM YOUR EDUCATION TO GET A
J1 A. I DO NOT. 11 LICENSE TO SELL REAL ESTATE IN' THE STATE OF CALIFORNIA
12 Q. DO YOO KNOW WHO ORDER£D I't'? 12 THAT AN ESCROW COMPANY ACTS .r..s THE AGENT FOR THE BUYER
13 A. I DO NOT. IT WAS EITHER VICTOR PARKS -- IT WAS 13 AND THE SELLER; CORRECT'?
14 PROBABLY VICTOR PARKS OR MY HUSBAND. I DON'T KNOW. 14 A. YES.
15 o. [:1[0 YOU EVER HEET WITH THE APPRAISER? 15 Q. DI D ANYBODY AT MARA ESCRQH CC«PANY EVER TELL
16 A. ] DID NOT PERSONALLY, NO. 16 YOU THAT THEY WERE NOT YoUR .l\GEl"lr?
17 O. DID YOU EVER TALK TO 111M'? 17 A. NO, BUT THEY STATED, QUITE fRANKLY, THAT THEY
18 A. NO. 18 WORK FOR M!CKAEL LIBOW.
19 O. NOW, 15 IT YOUR UNDERSTANDING THAT MR. ZERNIJ< 19 O. WHO TOLD '(OU THAT THEY WORK fOR MICHAEL L1BOW'2
20 WAS SUPPOSED TO ORDER THE APPRAI SAL? 20 A. WELL, EVERYTHING THAT I EVER CALLED TO ASK FOR
21 A. No. 21 WAS NOT GIVEN TO ME UNLESS THERE WAS AN AGREEMENT
22 0- IS IT YOUR UNDERSTANDING THAT MARA ESCROW 22 BETWEEN HER AND MICHAEL LIBOW. SHE WAS ALWAYS WAITING
23 COMPANY WAS THE AGENT FOR YOU AND MR. ZERNIK? 23 FOR MICHAEL LIBQIf"S ANSWER, fOR A BETTER TERM. I WAS
24 A. I KNOW TKAT THEY WERE SELECTED BY -HR. ZERNIK; 24 NEVER GIVEN 'WHAT I REQUESTED ON THE TIMES THAT I
2S SO I [)()N'T KNOW. I MEAN 1 GUESS THEY'RE A NEUTRAL 2S REQUESTED IT, UNLESS MICHAEL LISOH AGREED TO IT.
NIVIESAMAAN 1/iMl6 NWIE SAMAAN 711lJA)6
110-nl--ltll SOUSACOIJRTREPORTERS 714-S?1.()all llQ.ln-J III SOUSA COlJRTREPOkTER8 71-4-571.0111
Q. I WANT YOU TO TELL HE EVERY SINGLE ITEM THAT 1 THE APPRAI SAL.
2 YOU REQUESTED THAT GAIL HERSHOWITZ SAID SHE WOULD NOT O. ISN'T IT A FACT THAT THE APPRAISAL -- THE
3 PROVIDE TO YOU UNLESS MICHAEL LIBOW AGREED TO IT. 3 APP.... ISING Of THE PROPERTY IS SCMETHING THAT IS OONB BY
A. THE ESCR(»I ] NSTRUCT IONS. .. THE PROSPECTIVE LENDER'?
O. ANYTHING ELSE? A. I BELIEVE so.

A. I DON'T }CNOW WHAT ELSE COMES FRa-r THE ESCROW o. AND THE LENDER WAS SELECTED BY YOUR MORTGJl.GE
7 CC»oIPANY; SO THAT' S ALL -- "1 BROKER; CORRECT1
O. YOU HADE A STATEMENT 'JHAT SHE 'I'OLO YoU SHE A. YES.
9 WOULDN"T GIVE YOU THINGS. I NANT TO KNOW, OTHER THAN O. AND THE MORTGAGE BROKER WAS THE COOPANY THAT
10 THE ESCROW rNSTRUCTIOIIS. WHAT IT IS THAT YOU CLAIM GAIL 10 YOUR HUSBAND WORKS FOR.; CORRECT'?
11 HERSHOWITZ TOLD YOO SHE WOULD NOT GIVE YOU UNLESS 11 A. YES.
12 MICHAEL LIBOW AI-PROVED IT. 12 AND ONE HORE THING TO ADO TO WHAT I IlAD ASKED
13 A. THE PRELIMINARY TITLE. WHICH I REQUESTED IN 13 Of IIARJ\ ESCROW. I ALSo ASKED THEH NOT To DEPOSIT THE
14 THAT LETTER, AND THE ESCROW INSTRUCTIONS. 14 CHECK, WHICK THEY DID ON MICHAEL LIBOW'S INQUIRY. 1 HAD
15 O. .a.NYTHING ELSE1 15 TOLD HER TO HOLD THE. CHECK BECAUSE IT WOULD Be
16 A. NOT To MY KNOWLEDGE. I'VE REQUESTED THOSE 16 INSUFFICIENT nmos, AND SHE STILL WENT AHEAD AND CASHED
11 SEVERAL TIMES, BOTH ITEMS. 11 IT BECAUSE OF WHAT MICHAEL LIBOW TOLD H!oR TO 00.
18 O. DID YOU ASK ANYBODY AT MARA ESCROW TO 00 18 o. DI D GAl L IlER5HOWITZ TELL 'YOU THAT sH& CASHED
19 ANYTHING REGARDING THE: APPRAI SAL OF TIfE PROPERTY FOR 19 THE CHECK BECAUSE OF WKAT MICHAEL LIBOW' TOLD HER?
20 YOUR LOAN APPLICATION,? 20. A. ABSOLUTELY. SHE SAID," MICHAEL LI8OW" -- "HAT
21 A. I DON'T KNOW. I DIDN'T DEAL WITH THE 21 IS THE WORD'?
22 APPRAISAL. -1 9- 22 HR. STEIN: DIRECTED.
23 O. DID YOU ASK MICHAEL LIDON TO 00 ANYTHING 23 THE WITNESS: -- "DIRECT ME TO CASH THE CHECK, AND
24 REGARDING THE APPRAISAL fOR YOUR LOAN APPLICATION? 24 THAT'S WHAT I DID."
25 A. I DID NOT PERSONALLY ASK HIM ANYTHING REGARDING 25 /1
NlVlF. SAMAAN 7/UI.416

Notice #3
Exhibits Volume B
tl-LOO
Case 2:08-cv-0155C p-cw Document 40-3 Filed ~ 7/2008 Page 42 of 50
llQ.31}.,1II SOUSACOUR:TRf.P(]RTERS 71+.51I-0111
P.l&dl
BY MR. CUMMINGS:
O. DOCUMENT NO. S0032 AND 50033.
IiERE YOU AWARE OF THE THRE.E E-MAILS THAT ARE A. YES.
LISTED ON THOSE -- sET FORTH ON THOSE TWO PAGES, AND Q. WERE YOU AWARE; OF THE E-MAIL DOCUMENT 50035:
THEY'RE ALL DATED FRIDAY, OCTOBER 22, 20041 A. YES.
A. WAS AWARE of THEM. O. WERE yOU AWARE OF THAT E-MAIL ON ocTOBER 25,
O. WERE 'tou AW.1Ia.RE or THEM ON OR ABOUT TilE TIME 7 20Q,4?
THEY WERE RECEIVED? A. YES, ON DR ABour THAT TIME.
A. DON'T RECALL IF r WAS AWARE OF THEM AT THE O. DID YOU GET ALL or THE E-MAILS THAT .l\RE SET
10 TIME THBY WERE RECEIVED. 10 FORTH ON PAGES 0027 THROUGH 0038 FROM YOUR HUSBANO'?
11 O. WERE YOU AWARE or THEH BY FRllJAV, OCTOBER 22, 11 A. I "YE SEEN THE E-HAILS. I LOOKED AT THEM, YES.
12 20o,,? 12 O. THROUGH YOUR HUSBAND?
13 A. DON'T J(NQW IF I WAS AWARE Of T'HEM THAT DAY OR 13 A. THROUGH MY HUSBAND, YES.
IF IT WAS ANOTHER DAY. 14 o. LOOKING A,.T DOCUMENT NO, 0061, DID YOU INSTRUCT
15 O. DID YOUR HUSBAND TELL YDU TH.\T HR. LIBOW HAD )5 VIctOR PARKS TO KEEP ALL CORRESPONDENCE WITH HR. LIBOW
16 CONTACTED VICTOR PARKS AND TOLD HIM TlU'.T THE SELLER HAS 16 iN WRITING~
11 REQUESTED A CANCELLATION OF THE EscROW? 17 A. MY HUSBAND AND I BOTH DID.
18 A. WAS AWARE of HIM WANTING TO CANCEL THE 18 Q. DI D YOU PERSONALLY ASK MR. PARKS TO DO THAT'?
19 ESCROW. 19 A. I MAY HAVE. I DON'T REMEMBER.
20 O. YOU WERE A.WARE OF THAT ON OCTOBER 22, 2004. 20 O. WERE YOU PRESENT WHEN YOUR HUSBAND DID?
21 CORRECT? 21 A. I OON"T RECALL.
22 A. DON'T RECltLL THE DATE. I .MEAN WHENEVER IT 22 Q. LOOKING AT 0086 AND 006.5, IS IT CORRECT THAT ON
Z3 WAS DONE, I WAS PROBABLY AWARE or IT. 23 OCTOBER 21, 2004, yOU KNEW THAT MP.. ZERNIK WAS
24 O. DO YOU SEE THE E-HAIL THAT'S DOCUMENT SOOJ4? 24 INSTRUCTHlG HIS REALTOR TO DRAW INSTRUCTIONS fOR
25 A. YES 2S CANCELLATION OF THE CONTRACT?
NrVIE SAMAAN 7fIaror; ",IYlE SAMAAN 7110.1)6
f--------------------------------l---------------~-----------I
10-312·1111 SOU&ACOURTREPORTERS ?t ... 57I-Otil 310-171.1111 SOUSACOURTRFJ'ORt'ERS 114.571-0111·
A. YES 1 WAS HADE AWARE OF THAT, BUT, AGAIN, AS I MR. STEIN; NO. WE CAN FORWARD IT VIA £-MAIL TO
STATED BEFORE, I DID NOT BELIEVE THAT IT WAS ijIS RIGJfT 2 YOU.
TO CANCEL BECAUSE THEY WERE -- THEY PRECLUDED us fROM MR. CUMMINGS: THe AUDIO?
PERFQRMING IN A TIMELY HANNER. HR. STEIN: YES.
O. TO YOUR KNOWLEDGE, DID ANYBODY AT PACIFIC HR. CUMKlNGS: YOU CAN'T PUT IT ON A TAPE AND GET IT
MORTGAGE CONSULTANTS DO ANYTH1NG TO ATTEMPT TO OBTAIN A 6 TO HE OR CD OR ANYTHING?
LOAN APPROVAL fOR YOU BEFORE YOU AND YOUR HUSBAND HR. stEIN: THAT'S HOW .WE RECEIVED IT WAS ... - YOU
RETURNED FR~ HAHAI! ON SEPTEMBER 23. 20041 B PLAY IT RIGHT BACK FR~ THE E-MAIL. 1 CAN DO IT ANY WAY
A. NO. I DON'T BELIEVE ANYTHING WAS STARTED 9 YOU WANT IT.
10 BEFORE WE RETURNED FROII HAWAll. NOTHING BEGAN. 10 MR. CUMMIHGS, 1 WOULD HATHER HAVE IT ON A CD.
II O. DOCUMENT SOlOS. WHO PREPARED THIS DOCUMENT? II MR. STgIN~ IT WILL BE DONE. WHEN 1 PRODUCE THE
12 A. IT SAYS LOUISE AT MARA ESCROW'. THIS WAS A 12 OTHER DOCUMENTS TO YOU, WE 1 LL GIVE YOU ]I. CD OF THIS
13 VOICE MESSAGE THAT W.'\S LEFT. 13 TEXT.
14 o. BUT WHO TYPED UP THIS DOCUMENT? 14 BY MR. CUMMINGS:
15 A. I BELIEVE MY HUSB.i\ND OR VICTOR DID. IS O. DID YOU EVER DEPOSIT THE ADDITIONAL SI5,OOO?
16 MR. STEIN: FOR THE RECORD, HY OFFICE PREPARED THAT. 16 A. YOU MEAN THE S~COND DEPOSIT?
17 TtfE WITNESS: 08. 17 O. YES.
18 HR. CUMMINGS; DO YOU HAVE THE ORIGINAL TAPE? 18 A. YES. IT WAS GIVEN BY CASHIER'S CHECK. I
19 HR. STEIN: WE KAVE THE TAPE TtlAT WE RECEIVED THE 19 PERSONALLY WALKED IT IN TO MARA ESCROW MYSELF, BUT WHAT
20 COPY FROM, YES. 20 HAPPENED WAS -- WHICH IS PROVEN BY THE DATE THAT THEY
21 MR. CUMMINGS: THE TAPE? 21 POSTED THE CHECK -- I WALKED IT HI TO MARA ESCROW. I
22 HR. STEIN: YES. WE HAVE A COPY. -1 0- 22 HAD CALLED THEM THAT DAY AND TOLD THEM THAT I WAS GOING
21 MR. CUMMINGS: AN AUDIOTAPE? 23 TO BE BRINGING IN THE CHECK. I LEFT THE CHECK WITH THE
24 HR. STEIN: YES. 24 RECEPTIONIST BECAUSE GAIL HERSHOWITZ WAS NOT IN' THE:
2, MR. CUHHINGS: HAVE YOU PROVIDED THAT TO US? 25 OFFICE, AND I TOLD -- I HAD THE ENVELOPE ADDRESSED TO
.•. M"
HIVIE MMAAN 7/10106 NlVlE SAMAAN 7fICMJ(i Notice #3

Exhibits Volume B
'--- ---1.- --'B"--.=26""7'--- ~
,- -_c_a_s_e_2_:_0_,~_. ,_:~_"V_" _1_~_5_T_~_n;_'RS_:_~_,:_,~_" _~

_ :_.. ..--,,ment
D_O_:_U_ 40·r3- _F-QiI.edDO:"Youm' 'KN' OW:TH~E~RE~cREPOIlE~ITEON~IS'~T~ gs, ;~.3 5~... of I
1 GAIL HERSKOWITZ AND SAIl) THAT SHE SHaULl> BE GIVEN THIS 1 n ~V'lr1L .•
2 CHECK. AND 1 CMf'T REMEMBER -- TWO TO THREE DAYs LATER 2 A. NO.
3 I GET A FRANTIC CALL FRCfot MICHAEL LlBQW STATING THAT I 3 Q. WHAT DID SHE LOOK LIKE?
.. DID NOT KEEP NY WORD AND DID NOT TARE IN A CHECK, AND I A. I BELIEVE SHE HAD LONG BROWN STRAIGHT HAIR.
S STATED TO HIM, ·'or COURSE, I DID." AND THEN [ GOT A 5 THINK SHE WAS OF HISPANIC OESCENT.
6 PHONE CALL FROM GAIL HERSKOWITZ STATING THE SAME THING, Q. I'M SORRY. 'WHAT?
1 AND I SAID, "I WALKED IN TH£ CHECK PERSONALLY ON THE DAY A. OF lfTSPANTC DESCENT, J BELIEVE.
8 I SAID I WAS GOING TO GIVE n TO YOU. II AND THEY SAID Q. DID YOU RECEIVE DOCUMENT 501041
9 THEY COULDNfT FIND THE CHECK. SO THEN r BELIEVE: .h.FTER A. WHAT WAS YOUR QUESTION?
10 THEY SEARCHED FOR THIS CHECK. AND I DON'T KNON -- I 10 Q. DIO YOU RECEIVE THAT OOCUMENT, sOlon
11 GUESS THEY BELIEVE THEY rOUNO IT ON THE 12Tt-t. WHICH IS II A. YES.
12 DATED WHEN THEY RECEIVED IT, IS WHEN SHE CALLED HE, AND 12 Q. DID YOU SIGN IT?
13 SHE TOLD HE SHE HAD THE CKEele 13 A. DID I SIGN IT?
14 O. WHAT 15 THE DATE OF THE CHECK? 14 Q. YES.
15 A. I BELIEVE IT's OCTOBER 6. THE DATE IT WAS 15 A. NO. MY SIGNATURE [S NOT ON THERE.
16 DELIVERED WAS OCTOBER 8 TH.i\T I DROPPED IT OFF'. THE DAY 16 Q. IS YOUR MONEY STILL IN ESCROW?
17 I GOT IT WAS OCTOBER 8. THE DAY I DELIVERED )T W.r..5 17 A YES.
18 OCTOBER 5. 18 Q $30,OOO?
19 O. WHAT DOCUMENT NUMBER ARE YOU LOOKING AT? 19 A YES.
20 HR. STEIN: THAT'S 50110. 20 Q DID YOU SIGN LOAN DOCUMENTS?
21 BY MR. CUMMINGS: 21 A NO, WE DIO NOT.
22 O. WHEN YOU BROUGHT IT IN TO MARA ESCROW, WHOM DID 22 Q SOl 06. WHAT IS THAT DOCUMENT?
23 YOU GIVE IT TO? 23 A I DON'T KNOW. I'VE NEVER SEEN THAT BEFORE.
24 A. THE RECEPTIONIST, BECAUSE GAIL HERSHOW!TZ WAS 24 Q 00 YOU KNOW WHO PREPMED IT?
25 NOT THERE. 25 A NO, I DON'T.
NlVIESAMAAN 7/10106 NTVlE SAMAAN 1/JIPU6
I--------------------------.--~ - - - - - - ~----------------------__i
llD-l7J-1111 SOUSACOtJRTREPORTERS 714-,51I-OJ11 )10-]72.1111 SOUSACOURTRH'ORTERS 114-S71~111
....,11.
Q. HAVE YOU EVER DISCUSSED THE CONTENTS OF THIS O. I F I ASK yOU A QUESTION. YOUR ATTORNEY CAN' ASK
2 WITH ANYBODY? YOU A QUESTION. I JUST HAKE THINGS FOR THE RECORD.
A. CONTEXT OF' WHAT? 3 WAS IT YOUR UNDERST1lNOING THAT THE AGREEMENT
Q. CONTENTS or EXHIBIT 106 WITH ANYBODY. .l! THAT YOUR COUNTER OFFER NO. 2 WAS ACCEPTED BY DR. ZERNIK
A. I OOtPT KNOW. I DON'T KNOW WHAT IT IS. IT 5 ON SEPTEMBER lS, 2004?
6 LOOKS LIKE A TIMELINE OF SOMETHING. I DOO'T KNOW WHAT A. WHICH DotUME:NT IS 1'HAT?
IT IS. O. 0026.
Q. LOOK AT DOCUMENT NO. S0107. A. WHAT W1lS YOUR QUESTION?
DID YOU RECEIVE THIS DOCUMENT? Q. IS IT YOUR UNOERSTANDING THAT YOUR COUNTER
10 A. DID I RECEIVE IT? 10 OFFER NO. 2 WAS ACCEPTED BY DR. ZERNIK ON SEPTEMBER 15,
II Q. YES. 11 200~?
12 A. YES. 12 A. 'tEs.
13 Q. WHEN? 13 O. WHAT'S YOUR FAX NUH8ER AT HOME?
14 A. WELL, IT SAYS "NOVEMBER 10, 2004." I DON'T A. (310i 275-5352. I THINK THERE WAS A COUPLE OF
15 KNOW IF THAT'S THE DAY I RE:!\D IT OR NOT. 15 DI FFERENT FAX NUHBERS. I DON'T KNOW THE OTHER ONES.
16 Q. DO YOU KNOW WHO BETH IS? 16 O. WHAT WAS THE FAX NUMBER AT WORK?
17 A. YES. SHE' 5 THE MANAGER AT COLDWELL BANKER, 17 A. AT MY OFFICE?
WHICH, BY THE: WAY, THAT WAS ANOTHER INDICATION To ME IB o. WELL. DOES THAT --
19 THAT MICHAEL LIBOW HAS ACTING IN HIS CLIENT'S lNTEREST 19 A. GILLERAN GRI FFIN, YOU MEAN? I NEED TO LOO!':
20 BECAUSE HIS MANAGER WAS UNDER THE IMPRESSION THAT THE 20 THAT UP, AND I CAN TELL YOU. HOLD ON A SECOND. I f<NQW
21 SEVEN-DAY EXTENSION WAS AGREED UPON As WELL. 21 WHERE IT IS. I ACTUALLY DON'T -- I KNOW' THE OFFICE
22 BY THE WAY, CAN I POINT OUT ANOTHER PARAGRAPH -1 1- 22 NUMBER I DON'T USE THAT FAX NUMBER. I USE MY PERSONAL
23 IN HERE? ON THE FOURTH PARAGRAPH, IT STATES THAT -- 23 FAX, BUT
24 O. I DON'T HAVE ANY QUESTION PENDING, MA'AM. 2. O. WHAT]S THE FAX NUMBER?
25 A. OKAY, BUT I WANT TO MAKE IT FOR THE RECORD. 2S A. AT GIJ.,hERAH GRIFFIN?
NJVIESAMAAN l/l0JQ6 Notice #3

Exhibits Volume B
R_?F;R
7/~20VJOU-\8J--_Pl-a~g~e.....--=4=4-'-OLLf~5,,-,-O_._
lIO-J71-llfl SOUSACOURTRF..PORTERS 714-i71-IJ111 lJU--3'7l-.IIIJ SOUSACOtmTREPORTERs 71",,-S71~j'l
O. YES. A. I'M SORRY,?

...., ..
A. t DON'T KNOW IT. [DON~T KNOW IT BY HEART. Q. WERE YOU TO SHARE IN THE COMMISSrON ON' THE
O. YOU DON'T HAVE IT ON YOUR CARD? 3 PROPERTY"?
A. NO. ON MY CARD, I HAVE HY PERSONAL FAX NUMBER. A. YES.
O. WHICH IS WHAT? O. AND GILLERAN GRIFFIN WAS GOrNG To GET HALF THE
/\.. 1 THOUGHT 1 f:lAV IT. LET HE JUST LOOK fOR A 6 CCliMISSlOH; IS THAT CORRECT'?
SECOND. A. NO. THEY DON'T GET HALF. OH, YOU MEAN DETWEEN
MR. STEIN: IS THIS YOUR HOUSE NUMBER, YOUR HOUSE 11 THE AGENTS,?
FAX NUMBER? O. GILLEMH GRIFFIN AND COLDW'ELL BANKER WAs GOING
10 THE WITNESS: I THINK, YES. YES. 10 TO GET HALF; CORRECT?
Jl 1 HAVE MOTHER FAX NUMBER TH.Zlt.T USED TO BE AT MY 11 ft.. YES.
12 HOME BEFORE I HOVEn IN WITH My HUSBAND. I CAN GIVE YOU 12 Q. WHAT PERcENTAGE WERE YOU GOING TO GET OF' THE
13 THAT ONE. (323. 60-9378 ]S ONE, AND -- 13 PORTION TRAT WENT TO GILLERAN GRIFFIN?
14 BY HR. cUMMINGS: 14 A. I DON'T KNOW EXACTLY. I DON'T KNOW EXACTLY
15 Q. WHAT ADDRESS OIl> YOU LIVE AT BEFoRE YOU HOVED 15 WHAT PERcENTAGE THEY GOT AND WHAT PERCENTAGE I GOT.
16 IN WITH YOUR HUsB.\ND"? 16 Q. CAN YOU LOOK AT DOCUMENT NO. S0009.
A. 1221-1/2 SOUTH ALFRED STREET, LOS .~GELES, 17 A. YES.
18 90035. 18 O. WAS THAT THE LAsT PAGE OF THE OFFER YOU
19 O. DID You HAVE YOUR HAIL FORWARDED WitEK You 19 SUBMITTED, THE ORIGINAL OFFER YOU SUBMITTt"O?
20 HOVED? 20 A. WELL, I ALSO SUBMITTED THE BUYER'S INSPECTION
21 A. YES. 21 ADVISORY AND THE WOOD DESTROYING PEST INSPECTION; so

22 (RECESS TAHEN .• 22 TKAT WAS NOT THE LAsT PAGE.
23 BY HR. CUMMINGS: 23 O. BUT I MEAN OF THE OFFER.
2. O. WERE YOU TO SHARE IN THE CCHtHSSION ON THE 2. A. OF THE OFFER, YES.
2S PROPERTY? 25 O. WHAT ADDRESS DO YOU LIST THERE?
Nrvm SAMAAN 7110106 NlVlE SAMAAN 71lMl6
J,1().)11·1111 SOUSACOUR'rREPORTERS 714-571...01'. 31(1.311·1111 SOUSA COURT IU:1'OIlTERS 71M7J-4111
.",92
A. J333 WESTWOOD BOULEVARD. OUR OFFICE HAS HOVED. WAs SUBSEQUENTLY MARKED BY THE REPORTER AS
Q. WHAT ADDRESS DO YoU LIST FOR YOURSELF RIGHT DEFENDANT'S EXHIBIT 4 FOR IDENTIFICATION AND
UNDER YOUR SIGNATURE? I S HERETO' ATTACHED.)
Po. MY LAST HOME ADDRESS BEFORE I MOVED IN WITH MY MR. CU'HMINGS: I'LL MARK As EXHI8IT 5 A LETTER. OF
HUSBAND. TRANSMITTAL, DATED SEPTEMBER JO, 2004, NIVIE SAHAAN, AT
Q. WHAT ADDRESS IS THAT? 1221-1/2 SOUTH ALFRED STREET.
A. 1221-1/2 soUTH ALFRED sTREET. I "'HEREUPON THE AFOREMENTIONED DOCUMENT
O· AND YOU ALsO LISTED GILLERAN GRIFFIN's ADDRESS; WAS SUBSEQUENTLY MARKED BY THE REPORTER AS
CORRECT? DEFENDANT'S EXHIBIT 5 FOR IDENTIFICATION AND
10 A. YES. 10 Is HERETO ATTACHED. I
11 HR. CUMMINGS: WE'LL M..ltRK AS EXH1BIT S. -- 11 BY HR. CUNHINGS:
12 HR. STEIN: I THINt< IT'S EXHIBIT 4. 12 Q. DID YOU EVER RECEIVE THAT DOCUMENT?
13 BY MR. CUMMINGS: 13 HR. STEIN: IF YOU RECALL.
14 O. EXHIBIT 4. DID YOU RECEIVE THAT DOCUMENT'? 14 THE WITNESS: I DON'T RECALL THIS.
15 EXHIBIT 4 IS A TRANSMITTAL, OATED SEPTEMBER 30 1 2004 1 15 MR. CUMMINGS: WE'LL HARK As EXHIBIT 6 A COPY OF THE
16 FROM MARA ESCROW CCHPANY TO GILLERAN GRIFFIN CCMP/lNY, 16 TRANSMITTAL FRCH MARA ESCROW CCHP.1lNY TO NIVIE SAKAAH,
11 1333 WESTWOOD BOULEVARD, SUITE HH; ATTENTION: nlVIE 11 DATED OCTOBER 6, 2004, ADDRESSED AT 1227-1/2 SOOTH
18 SAHAAN. 1B ALFRED STREET.
19 A. 1 NEVER RECEIVED THIS. r DOK'T RECALL SEEING 19 (WHEREUPON THE AFoREMENTIONED DOCUMENT
20 THIs 8EFORE. 20 WAS SUBSEQUE:NTLY MARKED BY THE: REPORTER AS
21 O. THAT WAS YOUR WORk ADDRESS FOR GILLERAN 21 DEFENDANT'S EXHIBIT 6 mR IDENTIFICATION AND
22 GRIFFIN; CORRECT? -1 2- 22 IS HERETO ATTACHED.)
23 A. YES 1 AT THE TIME. 23 BY MR. CUMMINGS:
24 Q. MAY I !iAVE IT BACK, PLEASE:. Q. DID YOU RECEIVE THAT TRANSMITTAL?
25 IWHEREUPON THE AFOREMENTIONED DocUMENT 25 A. YES.
NlVlESo\MA.IIN 71l0l05 NME SAMAAN 711006

Notice #3
Exhibits Volume B
'-----------------------------~ ~-~- ~-~--~ - . -- - ~ ~._.~ ,,-r,,~
.__Case 2:08-cv-Ol55f 7/2008 Page 4
310-)1l·11 LI SOUSA COURT REPORTfiRS 7'-f.i7l-0111 JI()"J12~1I11 SOUSA COURT RE'POI.TERS 71M11..QIU
P~c'l1J ......
o. UO 'tOU Jl;NOW WHEN YOU RECElVEU IT? "APPLJl:ABLE 'rIME fRAMES, to VATEU S£rTEMBER 28, 2004,
A. ON OR ABOUT THAT DATE, I BELIEVE. ADDRESSED TO MICHAEL LIBOW, HITH SC!'f£ HANDWRITING ON THE
O. ON OR ABOUT OCTOBER 6, ZOO,,? DOCUMENT. "RE:: NIVIE. DATES CHANGED?" AND SOME OTHER
,\. I IMAGINE THAT'S WHEN -- HANDWRITING.
MR. STEIN'; IT wOULD IIAV~ To BE SUBSEQUENT 1'0 THAT (WHEREUPON THE AFOREMENTIONED DOCUMENT
UATE. WAS SUBSEQUENTLY HARKElI BY TilE REPORTER AS
THE WITNEss: I DON'T KNOW. DEFENDANT'S EXHIBIT 8 FOR IDENTIFICATION AND
MR. CUMMINGS; MARX AS EXHIBIT 7 A DOCUMENT ENTITLED IS KERETO ATTACHED.)
"APPLICABLE TIME FRAMES. It IT' 5 DATED SEPTEHBER 23. BY HR. CUMHlN'GS:
10 2004. 10 O· I S ANY OF THAT HANDWRITING ON THAT DOCUMENT
11 {WHEREUPON THE AFOREHENTIONEL> DOCUNENT 11 YOURS?
12 WAS SUBSEQUENTLY HARKED BY THE REPORTER .l\S 12 A. NO.
13 DEFENDANT'S EXHIBIT 1 FOR IDENTInCATION AND 13 O. DID YOO PROVIDE ANY OF THE INFORHATlON THAT'S
14 IS HERETO ATTACHED 14 IN HANDWRITING TO GAIL HERSHOWI1"Z OR ANYBODY ELSE AT
15 BY HR. CUHHINGS: 15 MARA ESCROW?
O. DID YOU RECEIVE THAT DOCUMENT? IT' 5 ADDRESSED 16 A. I BELIEVE I HAD WHEN I HAD SPOKEN TO HER. l'lHEN
)7 TO NIVIE SAMAAN IN CARE or GILLERAN GRIFFIN CQHPANY, 1J I GOT THE FIRST SET THAT YOU JUST SHOWED HE, I KAD
18 1333 WESTWOOD BOULEVARD, SUITE lDl. ]8 CALLED HER AND SAID THAT THE OATES WERE WRONG AND THAT
19 A. YES, I HAD RECEIVED 11. 19 THEY ~ERE SUPPOSED TO BE OCTOBER • AND THE 24TH OR THE
20 O. ON WHAT DATE? 10 23RD, AND SHE SAID THAT SHE CoULDN'T CHi\NGE ANYTHING
21 Jt.. PROBABLY AROUND THE FEW DAYS -- WITHIN A FEW 21 UNTIL SHE SPOKl; WITH MICHAEL; SO THEN THIS 15 WHAT WAS
22 DAYs OF THE DATE STATED, 1 DON'T REC.ltj,LL EX.\CTLY THE 22 SENT.
23 DATE. 23 O. LET ME GO OVER THESE ITeMS. JUST A 5E:CONO.
24 CAN I SEE THAT ONE MORE T[H.E~ NOW, STARTING AT THE TOP WHERE IT HAS -- I'LL
25 MIl:. CUMMINGS: t-lARK AS EXHIBIT 8 A DOCUNENT ENTITLEO 25 GIVE YOU THE PRIOR ONE SO YOU cAN READ IT. THE ONE THAT
mVJEsAMAAN 7/10/06 tfIVIE SAMAAN 1/10106
t-------------------~--.--~~--.
lIo.n2~IIU SQUSACOURTR£PORTER8114-571-4lIH ll~111.llll SOUSACOURTREPOkTERS 7l4-.m-G111
WE HARKEO AS EXHIBIT 7, SO YOU CMI COMPARE THEM. 24TH, AND THE ADDITIONAL DEPOSIT OF THE 8TH, AND THAT
THERE I S A SCRATCH OUT. THE ACCEPTANCE WAS SUPPOSED TO BE -- ACCEPTANCE OF THE
ORIGINALLY IT SAID, "INITIAL DEPOSlT TO BE PURCHASE WAS supposED TO BE ON SEPTEMBER 23. THOSE AR&
RECEIVED BY ESCROW HOLDER" AND ORIGINALLY WAS WRITTEN THE ONLY DATts THAT I GAVE HER.
DOWN SEPTEMBER 22, 2004; CORRECT~ O. OKAY. THERE' 5 .AN ITEM THERE. IT SAYS "BUYER'S
A. YES. INVESTIGATION CONTINGENCIES EXPIRE,· AND THEY HAD STATED
Q. AND THEN IT I S. SCRATCHED OUT. AND CAN YOU READ SEPTEMBER 27, 2004, AND THEN ITtS HANDWRITTEN IN "TEN
THE DATE THERE AFTER THAT"? DAYS FRQi 9/2-4.·
A. I BELIEVE IT SAYS THE 24TH. DID YOU PROVIDE THAT INFORMATION To HER?
10 O. OKAY. DID YOU TELL GAlL HERSHQWIT2 THAT IT WAS 10 MR. STE1N; ONE ADDITION. THERE'S A OUESTlON MARK.
11 SUPPOSED TO BE SEPTEMBER 241 II IF YOU'RE GOING TO REFERENCE. YOU MIGHT AS WELL HAVE
12 A. I PROBABLY DID, YES. 12 THAT TOO.
13 o~ OKAY. THEN IT SAYS ·ADDITIONAL DEPOSIT." IT 13 BY MR. CUMMINGS:
SAYS "'OCTOBER." I'l HAD BEEN THE 1ST, AND I TiS WRI TTEN O. DID YOU PROVIDE THAT PROVISION TO GAIL
1S OCTOBER 8. 15 HERSHOWITZ1
16 DID YOU PROVIDE THE OCTOBER 8 DATE TO GAIL 16 A. NO.
17 HERSHQWITZ? 17 O. DOWN BELOW, IT SAYS, "LAST DAY fOR BUYER TO
18 A. YES. 18 RelioVE AE"PRAISAL CONTINGENCY: 11 DAYS - 24?"
19 Q. THEN THERE'S NO CHANGE IN DATE FOR THE. SlGNED 19 DID YOU PROVIDE THAT INFORMATION' TO HER?
20 ESCROW INSTRUCTIONS; IS THAT CORRECT? THIRD ITEM: DOWN. 20 A. NO.
21 A. oKAY. WE WEREN'T EVEN HERE ON THAT MY. 21 O. "LAST DAY FOR BUYER TO RRCEIVE FINAL LOAN
22 Q. DID YOU GIVE GAIL HERSHOWITZ A DIFFERENT DATE -1 3- 22 APPROVAL." IT STATES "17 DAY - 24TH?"
2] rOR THAT ITEM? 23 DID YOU PROVIDE THAT INFORMATION TO HER?
24 A. NO, I DID NOT. THE ONLY ITEMS I TOLD GAIL 24 A. NO.
25 HERSHOWITZ ABOUT WAS THE INITIAL DEPOSIT, WHICH WAS THE 25 HR. CUMMINGS: THE LAST EXHIBIT WAS 5 -- 8,
NiVIESAMAAN '/1lW6 NlVlE SAMAAN 1/IOM

Notice #3
Exhibits Volume B
r.~C:::A 2:0R-cv-015S( 712008 Page 46 of 50
llQ..372-1111 SQUSACOURTREPORnRS lI~-nl-0111 JIl)..31l-1111 SOUSA COURT IlEPORTERS 11 ~-S1I-0111
EXHIBIT Bi CORRECT? Q. UID you NOT1FY OR. ~ERNIK THAT ANY OF THE TIHE
.... "
MR. STEIN: YES. THAT'S CORRF.CT. FRAMES -- ANY OF THE DATES SET FOP-TH ON THE APPLICABLE
MR. CUMMINGS: I'LL HARK AS 9 ANOTHER SET OF TIME FRAMES, DATED OCTOBER 5, 2004, WERE INCORRECT?
APPLICABLE TIHE FRAMES. DATED OCTOBER 5. ADDRESSED TO A. NO.
NIVIE SAMAAN IN CARE OF GILLERAN GRIFFIN COMPANY. Q. HANDHIG YOU BACK EXHIBIT 9, DO YOU 5£E THE
(WHEREUPON THE AFOREMENTIONED OOCUMENT STATEMENT UN[)ERN'&ATH THE NOVEMBER THE LAST UATE~ THE
WAS SUBSEQUENTLY HARKED BY THE REPORTER AS PARAGRAPH WHERE IT SAYS. "SUYER AND sELLER ,UW£
DEFENDANT'S EXHIBIT 9 FOR IDENTIFICATION AND INDICATED IN THE ORIGINAL RESIDENTIAL PURCHAsE AGREEMENT
IS HERETO ATTACHED. I AND JOINT ESCROW INSTRUCTIONS THAT THEY DESIRE: THE
10 BY MR. CUMMINGS: ]0 ACTIVE METHOD FOR REMOVAL OF CONTINGENCIES"'? DO YOU SEE
11 Q. DID YOU RECEIVE THAT DOCUMENT? II THAT?
12 A. YES, I BELIEVE SO. 12 A. YES.
13 Q. WHEN oro YOU REcEIVE IT? 13 Q. DID YOU READ THAT WHEN You RECEIVED IT?
14 A. IT liAS AROUND THIS DATE, OCTOBER 5. l4 A. NO.
IS Q. OlD YOU READ IT WHEN YOU RECEIVED IT? 15 O. ANY REAsoN YOU DIDN'T READ IT?
16 A. I LOOKED OVER IT, YES. 16 A. NO. I JUST I LOOKED AT THE DATES. THAT I S
I7 Q. Af'TE'R YOU RECEIVED IT, 01 D YOU NOTI IT ANYBODY 17 ALL I LOOKED AT.
18 AT MARA ESCROW THAT ANY OF THE DATES SET FORTH ON IB O. ANYBODY PREVENT YOU FRctoI ·READING IT?
19 EXHIBIT 9, THE APPLICABLE TIME FRAMES SCHEDULE, DATED 19 A. NO.
20 OCTOBER 50, 2005, WERE INCORRECT? 20 Q. IS THERE ANYTHING YOU DON'T UNDERSTAND ABOUT
21 A. NO, I OON'T BELIEVE SO. 2[ THAT PARAGRAPH?
22 Q. DID YOU NOTTF'Y MICHAEL LIBQ,,", THAT ANY OF' THE 22 A_ YES. I DON' T UNDERSTAND WHAT THAT MEANS,
23 DATES SET FORTH ON THE OCTOBER 5 APPLICABLE TIME FRAME 23 "ACTIVE METHOD."
24 SCHEDULE WERE INCORRECT? O. IT SAYS, "THEREFORE, If' WITHIN THE TIME" --
25 A. NO. 25 READ THE REST OF PARAGRAPH. AND TELL ME I F YOU DON I T
NlV1E SAMAAN 1IID1D6 N1V1E SAMAAN 7/10.00
/------------------------------------_.----- ------~-----------------~-----------j
310-)7]..1111 SOUSA COURTkFl'ORTERS 71 ....571-&111 310..172.) f II SOUSA COURT REPOR1ElS 714-511-4111
Pilgo: 1110
UNDERSTAND IT AND WHAT IT IS YOU DON' T UNDERSTAND ABOUT BY MR. CUMMINGS:
IT. Q. DID YOU RECEIVE --
A. OKAY. I UNDERSTAND WHAT IT's SAYING. 11.. THE QUESTION liAS DID I RECEIVE IT?
Q. DO YOU UNDERSTAND TRAT PARAGRAPH THAT I s WRITTEN" Q. CORRECT.
5 THERE-- A. YES.
A. YES. Q. DID YOU RECEIVE IT ON OR ABOUT THE DATE OF THE
O. -- UNDERNEATH THE NOVEMBER 1, 2004, DATE'? TRANSMITTAL LETTER, TRANsMITTAL fAX?
A. YEs. A. YES.
CAN I SEE ONE MORE THING IN THAT PARAGRAPH? Q. OKAY. DO YOU /lAVE A WRITTEN AGREEMENT WITH
10 O. SURE. 10 GILLERAN GRIFFIN AS TO HOW MUCH YOUR C<»1MISSIONS ME
11 DID YOu RECEIVE A copy OF THE PEST CONTROL 11 SUPPOSED TO BE, WHAT PERCENTAGE YOU GET OF THE
12 REPORT THAT AAD BEEN DONE ON THE PROPERTY? 12 COMMISSION THAT THE COMPANY RECEIVES?
13 A. I DON'T KNOW. I '0 HAVE TO ASK MY HUSBAND. 13 A. YES, J BELIEVE SO, YES.
14 HR. STEIN: SHOW HER WHAT YOU'RE REFERRING TO, IF 14 Q. IlHAT DOES IT PROVIDE?
IS YOIl 1I0ULD, PLEASE. I-THINK THAT MIGHT REFRESH HER IS A. I DON'T KNOW THE EXACT PERCENTAGE. I IlOULD BE
16 RECOLLECTIOH. 16 ESTIMATING. I THINK --
17 MR. CUMMINGS: I'LL HARt< THAT AS EXHIBIT 10, THE FAX 17 Q. IlHAT IlOULD BE YOUR BEST ESTIMATE?
19 mOM MICHAEL LIBOW TO GAIL lIERSHOWITZ, WITH A coPY TO 18 A. I THINK r GET 90 PERCENT, AND THEY GE"I" TEN.
19 NIVIr: SAMAAN. OF A BOND PEST CONTROL REPORT. 19 IT'S MOUIID THAT ESTIMATE.
20 (WHEREUPON THE AFOREMENTIONED DocUMENT 20 Q. DID YOU HAVE A SPECIAL AGREEMENT 1I1TH GILLERAN
21 WAS SUBSEQUENTLY MARKED BY THE REPORTER AS 21 GRln~IN RELAT1NG TO THE PERCENTAGE Of THE COMMISSION
22 DEFENDANT'S EXHIBIT 10 FOR IDENTIFIcATION AND -1 ~ 4- 22 THAT YOU WOULD RECEIVE ON THE PURCHASE OF THE PROPERTY
23 IS HERETO ATTACHEO_ 23 AT 320 SOUTH PECI< DRIVE?
24 THE W.ITNESS: YES. 24 A. NO.
25 II ~5 MR, CUMMINGS: I'M GOING TO MARK AS t;XHIBIT 11 A
NlVlE SAMAAN 7/UW6 NlVlE SAMAAN 71l0AlS

Notice #3
Exhibits Volume B
~ ~-
Case 2"08-cv-0155( .P-cw Document 40-3 Filed \ 7/2008 Page 47 o=-=-f-=5.=..0_--,
Jlo.)7J..lrll SOUSACOURfREPORTERS 71+.S71-Qllr )10.]12-1111 SOIlSACOURTREf'OR1'ER.5 7......571..(1111
.J'oJr.clOl P3cc IUl

lONE-PAGE DOCUMENT SIGNED BY GAIL HERSKOWITZ, UATEU MR. STEIN: (HI) you RECEIVE THEM?
2 NOVEMBER 8, 2004. ANO r W.'\NT yOU TO GO THROUGH THAT TI-tF: WITNESS: IS 1'H1I.T THE ESCP.OW INSTRUCTION?
3 DOcUMENT AND TELL ME WHAT, IF ANYTHING, IN YOUR I3ELIEF', HR. sTEIN: YES.
4 AS YOU sIT HERE TODAY. IS NOT AccURATE ABOUT THAT 4 THE WITNESS; NO, I DID HOT RECEIVE THEM ON THAT
5 STATEMENT MADE BY GAIL HERSHOWITZ, STARTING AT THE TOP 5 DATE.
6 AS YOU GO THROUGH, ANU IF YOl} CAN JUST TELL ME BY -- 6 BY HR. ctJt.DiINGS:
HR. STEIN: WHY DON'T WE READ THE SENTENCE AND DEAL D. Do YOU KNOW IF GILLERAN GRIFFlN RECEIVED THEM?
a KITH IT. OTHERWISE, IT I S ALL oVER THE PLACE. A. NO, r DON"T.
(WHEREUPON THE AFOREMENTIONED DocUMENT O. AND THE NEXT SENTENCE SAYS .. "RECEIVED A CHECK
10 WAS SUBSEQUENTLY MARKED BY THE REPORTER AS 10 FROM BUYER ON SEPTEMBER 27, 2004."
11 DEFENDANT'S EXHIBIT 11 FOR IDENTIFICATION AND 11 A. NO, THAT's NOT CORRECT. I GAVE THEN A CHECK ON
12 IS HERETO ATTACHED.) 12 SEPTEMBER 24, 2004, WHIcH IS STATED ON THE CHECK.
13 BY MR. CIJl+l:INGS: 13 Q. WHEN DID YOU TELL THEM TO HOLD IT UNTIL?
14 O. THE FIST SENTENCE SAYS, "MICHAEL L1BoW F.IlJ(ED HE MR. STEIN: TWO DAYS.
15 A PURCHASE CONTRACT ON SEPTEMBER 22, 2004." 15 THE WITNESS: TWO DAYS. TWO TO THREE DAYS.
16 A. WHO]$ TH]S LETTER ADDRESSED TO? I MEAN WHO 1$ 16 BY MR. CUMHINGS:
17 IT GOING TO? WAS IT ADDRESSED TO ME OR -- 17 O· ALL RIGHT. "PURCHASE CONTRACT CALLS FOR CHECK
18 o. ITIS NOT ADDRESSED TO ANYBODY. ITIS A IB TO BE DEPOSITED ON SEPTEMBER 24 .. 2004."
19 STATEMENT. 19 00 YOU 01 SPUTE THAT?
20 A. OH. IT'S A STATEMENT SHE'S 'MAKING. OKAY. I 20 A. THAT'S NOT WHAT WAS AGREED UPON.
21 DON"T -- I DON'T KNOW IF THAT'S TRUE OR NOT. IT DoESN'T 21 O. WAS THAT AGREED TO IN WRITING?
22 HAVE ANYTHING TO DO NITH ME. A NO, NOT IN WRITING.
23 O. THE NEXT SENTENcE SAYS. "1 TYPED THE 23 O. WAS THE DATE OF SEPTEMBER 24, 2004, AGREED TO
2. INSTRUCTIONS AND FAXED THEl-l TO MICHAEL LIBOW AND NIVIE 24 IN WRITING?
25 SAMAAN ON SEPTEMBER 23, 2G04." 25 A. NO.
N1V1E SA),(AAN 7/101l}fi N1VlESAMAA)lI/IM16
f--------------------------------+-.--------.--------- -------------{
3J().J72-1111 SOUS.A.COURTREf'ORl'ERS '14-571-0111 310-]11·1111 SOUSACOUR.TRf1'OR.1'ERS 11 ..-571.0111
P"II! I(M
o. "WE DEPosITED THE CHECK TWICE .. AND IT CAME BACK INSTRUCTIONS IF THEY WERE NOT FINALIZED."
2 NSF TWICE." A. I DON'T KNOW'.
A. THAT'S INCORRECT. THE CHECK CAME BACK ONCE Q. "ON SEPTEMBER 24. NIVIE cALLED AND ASKED IF WE
4 WITH NOT SUFFICIENT FUNDS .. AND WE WERE TOLD WE NEEDED TO .. COULD EXTEND THE TIME FRAMES FRCfo( 01 FFERENT OATES FROM
5 GET A CASHIER I S CHECK AND DELIVER IT TO MICHAEL LISON .> THE CONTRACT AS SHE HAs GOING OUT OF TOtlN."
6 PERSONALLY. A. NO. BECAUSE, FIRST OF ALL, I WAS NOT GOING oUT
O. IT SAYS, "WE CALLED BROKER TO ADVISE THEM .. AND 7 OF TOWN'. I HAD JUST COME BACI< FROM TOWN, AND THAT'S
8 ON OCTOBER .. RECEIVED A REPLACEMENT CHECK." 6 WHEN --TKAT'S WHEN I TOLD HER ABOUT THE DATES NEEDING
A. YES, THAT Is -- I ACTUALLY GAVE THE REPLACEMENT 9 TO BE -- WHEN I CALLED HER ABOUT NOT DEPOSITING THE
10 CHECK TO MICHAEL LIBON PERSONALLY ON THE DAY THAT THE ]0 CHECK, I ALSO 'TOLD HER ABOUT THE DATES THAT weRE AGREED
]1 HONE INSPECTION WAS BEING DONE, WHIcH HE sKOWED UP AT ON 11 UPON BY MICHAEL AND I FOR THE FIRST DEPOSIT, THE SECOND
12 OCTOBER 4. 12 DEPOSIT .. AND THE START OF Tft!: PURCHASE AGREEMENT; so
13 O. IT SAYS, -AN ADDITIONAL DEPOSIT WAS out ON 13 THAT IS NOT CORRECT BECAUSE I HAD JUST COofE BACK FROM
14 OCTOBER I, 2004 .. AND WE RECEIVED IT ON OCTOBER 12, 14 TOWN.
15 2Q04." 15 o. Dr 0 YOU REQUEST 01 F~ERENT DATES ON THAT?
16 A. THAT IS NOT coMECT. THE NEXT DEPOSIT WAS DUE 16 A. YES, I DID.
11 ON OCTOBER 8 .. tfHICH Is VERIFIED IN THE ESCRotI 17 O. THE NEXT SE.NTENCE SAYS, "I CALLED AND LEFT A
18 INSTRUCTIONS. AND IIHEN I DELIVERED ON IT OCTOBER 8, ]a MESSAGE FOR HICflAEL LIBOW REGARDING THIS KATTER.·
19 THEY LOST THE CHECK AND OlD NoT RETRIEVE IT -- DID NOT 19 A. I DON'T KNOH IF SHE DID. r BELIEVE SHE. DID. I
20 FIND IT UNTIL OCTOBER 12, .~D THAT'S WHY IT WAS D.~T&D ON 20 DON'T KNOW FOR SURE.
21 OCTOBER 1'1. 21 o. "HE ADVI SED HE TO HOLD OFF SENDING THE ESCROW
22 O. "ON SEPTEMBER 24, 2004, VICTOR {LENDER' CALLED -1 .5- 22 INSTRUCTIONS OUT PENDING THE TIME fRAME CHANGES MADE BY
23 TO ADVISE HE HE WAS THE LENDER." 23 THE BUYER."
A. 1 DON'T KNOW IF THAT WAS DONE: OR NOT. 2. A. SHE MENTIONED TO HE THAT SHE WAS TO HOLD OFF
25 O. "TOLD HIM WE COULD NOT SEND OUT ESCROW 2S UNTIL MIcHAEL GOT BACK TO HER.
NlVlE Slt.MAAN 7/UW6

Notice #3
Exhibits Volume B
R_?7?
.P-cw Dor.llmAn' 40-3 Filed 712008 Page 48 of 50 _
r.::I~A ?:OR-r.v-0155f
JI().]ll-lI11 SOUSACOURTREJ>QRTERS 11 ....511-0111 lUI.ln.lliJ SOUSAcoURTREJ>oRTERS 71~S7t-0111
P3lcllJlt
O. "1 SENT OUT ESCHOW INSTRUCTIONS ON OCTOBER 5$ O. [.10 YOU TftLNK 'fOU GAVE HEH SIGNEI) ESCROW
2004, • INSTRUCTIONS BEfORE THAT DATE?
A. YES,] DOH'! KNOW. IT MAY HAVE BEEN AROUND MR .. STEIN: IF YOU DON'T RECALL, JUST SAY YOU DON'T
THAT TIME, RECALL.
O. "SENT OUT PRELIMINARY TITLE REPORT ON THE WITNESS; YES, r DON'T RECALL.
OCTOBER 6, 2004, BY CERTIFIED MAIL. or BY MR. CUMMINGS:
A. YES. Q. "ON OCTOBER 22, 2004, I RECEIVED A CONTINGENCY
O. "NIVIE CALLED TO SAY SHE HAD NOT RECEIVED THE REMOVAL FORM SIGNED BY BUYER AND SELLER AND A FAX FOR
PRELIMlNARY TITLE REPORT, BOT I HAD A CERT1FIED SLIP NOTICE TO PERFORM FOR BUYER."
}G BACK FROM HER SIGNED OCTOBE:R 8, 2004, WITH HER SIGNATURE 10 NfL sTeIN: THAT'S INCORRECT.
11 ON IT THAT SHE HAD RECEIVED IT." II THE WITNESS; THAT'S INCORRECT.
12 A. I GUEss SO. 12 BY MIL CUMMINGS:
13 O. "NIVIB ADVISED THAT THERE WAS A MISTAKE IN THE 13 O. WHAT IS THE CORRECT INFORMATION?
14 ESCROW INSTRUCTIoNS. AND I ADVISED HER TO CORRECT THEN, 14 A. PROBABLY AROUND THE 20TH.
1~ INITIAL THEM, AS WE WILL DO'" PINAL AMENDf-IENT.'· 15 O. "ON OCTOBER 25 AND NOVEMBER 5, 2004, I REcEIVED
16 A. YES, THAT'S TRUE. 16 INSTRUCTIONS FROM SI;LLER TO CANCEL THE ESCROW, AS THE
11 O. WIIAT CORRECTIONS DID YOU REQUEST,? 11 CONTINGENCY DATES HAD EXPIRED AND THE BUYER HJ\D HOT
18 A. THE DATES TO BE CIiANGED, AS I -- THE 18 PERFo.RMED .. II
19 PURCHASE THE ACCEPTANCE OF THE OFFER TO BE CKANGED~ 19 A. I BELIEVE so. r DON'T KNOW WHEN SHE RECEIVED
20 TftE INITIAL DEPOSIT DATE AND THE SECOND DEPOSIT DATE TO 20 THAT FROM THE SELLER.
21 BE CHANGED. 21 O. "BUYER HAS NOT SIGNED S1\IO CANCELLATION
22 O. ·oN OCTOBER 22, 2004, WE RECEIVEO HER SIGNED 22 INSTRUCTIONS. "
23 PAPERS. It 23 It. YES.
24 A. I DON'T KNOW I F THE DATE IS CORRECT OR NOT ~ 24 HR. STEIN: THAT'S EXHIBIT 11, COUNSEL?
25 OCTOBER 22. 25 HR. CUMMINGS: YES.
NlVlE SAMAAN 'II QI06 NME SAMAAN 7110JD6
)1~)72-1'11 SOUSACOURTREPORT'ERS 71+-S71.()111 110-31):·1111 SOUSACOURTREPORTEa.1 71+-S11000111
Poccllll
O. I'M GOING TO SHOW YOU EXHIBIT 9 AGAIN, WHICH KNOWLEDGE?
fUl.S THE REVISED APPLICA8LE TIME FRAKES. A. NO.
YOU'VE ALREADY STl\TED YOU DIDN'T NOTU'Y ANYBODY O. IS IT YOUR UNDERSTANDING THAT BETH STYNE IS THE
THAT YOU DISAGREED WITH THOSE TIME FRAMES; CORRECT? MANAGE:R l\T THE COLDWELL BANKER OFFICE WHERE HR. LI BOW
A. TO MY .KNOWLEDGE, I DID NOT, NO. WORJ<S?
O. WHEN YOU RECETVED IT, WERE THERE ANY OF TJiOSE A. YES.
TIME FRAMES YOU DISAGREED WITH? Q. DO YoU BELIEVE THAT MIcHAEL LIBQW DID ANYTHING
MR. STEIN~ ASKED AND ANS"'ERED, Bur SHE CAN ANsWER WRONG IN CONNECTION WITH TH15 TRANSACTION?
IF SHE RECALLS. JUST HER UNDERSTANDING.
10 THE WITNESS: NO~ I DON'T BELIEVE SO. 10 NR. STEIN: JUST YOUR UNDERSTANDING, NOT ANY LEGAL
11 8Y HR. CUMMINGS: 11 CONCLUSIONS.
12 o. sO AS YOU SIT HERE TODAY, Do YOU BELIEVE THAT 12 THE WITNESS: I BELIEVE THAT HE DIDN'T KEEP HIS WORD
13 THOSE ARE THE .\CCURATE APPLICABLE: TIME FRANES FOR THOSE 13 ABOUT OUR UNDERSTANDING OF WHEN THE ACCEPTANCE OF THE
14 TRAHSACTIONS? 14 PURCKASE SHOULD BE AND THAT, IN ESSENCE, IT RUSHED
15 A. YES. 15 EVERYTH1NG. IT MADE IT IMPOSSIBLE FoR US TO MEET OUR
16 O. AND Is IT CORRECT THAT YOU OIDN',. REMOVE THE 16 OBLIGATIONS ANI> BELIEVING THAT HE WAS BEING INSTRUCTED
17 APPRAISAL CONTINGENCY BY OCTOBER 11, 20041 17 by HI S CLIENT; SO •..
18 A. ¥ES. 19 BY MR. CUMMINGS;
19 0, IS IT CQRRgCT THAT YOU DIDN'T REMOVE THE FINAL 19 O. HAS IT YOUR UNDERSTANOHIG THAT DR. ZERNIK
20 LOAN APPROVAL CONTINGENCY BY OCTOBER 11, 2004? 20 DIDN'T AGREE WITH ANY EXTENSIONS?
21 A. YES. 21 A. NO, THAT WAS Nor MY UNDERSTANDING.
22 O. IS IT CORRECT TAAT ESCROW WAS TO CLOSE BY -1 6- 22 HR. CUMMINGS: I • LL BE BACK IN ABOUT THREE MINUTES.
23 NoVEMBER L 20041 23 lBRIEF RECESS. 1
2' A. YES. 24 THE WITNESS: CAN I ADD ONE HORE THING TO WHAT YOU
25 o. WERE LOAN DOCUMENTS EVER PREPARED~ TO YOUR 25 ASKEO HE --
NJV1E sMoCMN 1Il0l06 NlVJE SAMAAN 7JIUl6

Notice #3
Exhibits Volume B
~ ~~,
p-cvv -OGGl-1fH€~Ht--4Q--3----- Filed (
-
Jlo.J72·)111 SOUSA COURT REPORTERS 11 .... )71-0111 311,).]1)·1111 SOUSACOUR.TREPORlEU 71 ..... )11~111
PascllO
BY HR. CUHHINGS: O. NO. AT THE TIME THAT HE TOLD YOU THAT.
Q. YEs. A. 00. OKAY. YES. THAT IT WAS BETWEEN 2.1 AND
A. -- ABOUT IF MIcHAEL LIBOW HAD DONE ANYTHING 2.1.
I' WRONG. Q. WHEN DID HE TELL YOU?
I NEVER mo REC£:lVE A FULLY EXECUTED AND SIGNED A. IT WAs PROBABLY JUST A FEW MONTHS AGO.
PURCHASE AGREEMENT FROM MIC.H.A£1 LIBQW OR FROM ZERNIK ANIJ THE:RE WAS I\LSO A HetiE AROUNLJ THE BLOCK THAT
WITH HIS SIGNATURE ON ['I'. AND I BELIEVE THAT THAT WAS SOLO FOR .$100,000 MORE. THAN WHAT WE HAD PURCHASED THE
SaiETHING THAT WE NEEDED FOR THE LOAN APPROVAL TO GO PECK PROPERTY FOR.
THROUGH; sO TH..b.T WAS SOMETHING THAT I NEVER RECEIVED. O. WHAT PROPERTY WAS THAT?
10 O. HAS ANYBODY TOLD YOU WHAT THE't BELIEVE THE 10 A. IT WAS ON BEDFORD. I DON I T KNOW THE EXACT
11 PROPERTY AT 310 SOUTH PECK DRIVE IN BEVERLY HILLS IS 11 AIJDRESS, BUT IT WAS ON BEDFORD.
12 CURRENTLY WORTH? 12 O. BETWEEN WHAT STREET AND WHAT STREET?
13 A. NO, NOBODY HAS TOLD HE. 13 A. IT'S THE STREET RIGHT NEXT TO PECI<, AND THAT
14 O. HAS ANYBODY TOLD YOU -- STATED ANY OPIN'ION OF 14 HAD ACTUALLY HAPPENED A WEEK 1\M'EP. WE HAD ACCEPTED AN
]S VAl.UE OF THE PROPERTY TO YOU AT ANY TIME SINCE ]5 OFFER FOR THE PECK PROPERTY.
16 OCTOBER 25. 2004? 16 o. orD YOU FEE.L THAT PROPERTY WAS COMPARABLE TO
'7 A. YES. 17 THE PECK PROPERTY?
18 O. WHO'? 18 A. IT WAS 500 SQUARE FEET LARG!;R, BUT 11 WAS
19 A. MY HUSBAND. 19 PRETTY CC»iFORTABLE, OTHER TRAN THAT .•.
20 O. WHAT DID HE:. TELL YOU? 20 O. HOW LARG£ IS THE: PECK PROPERTY?
21 A. THAT THE PROPERTY HAS GONE UP IN V.~LUE. 21 A. TWENTY-SIX SOMETHING, 26,000 SOMETHING.
22 O. DID HE SAY HOW HUCH? 22 o. 2,600?
23 A. I'M ESTIMATING ABOUT 2.2 MILLION. A. 2,600, I MEAN.
o. THAT IT WAS WORTH. THAT AT THE TIME HE: TOLD YOU? 24 MR. STEIN: 26.000 Is PRETTY GOOD.
25 A. YOU HEAN AT THE TUIE THAT WE WERE BUYING IT? 25 HR. CUMHINGS: IT WOULD BE ONE BIG HOUSE.
NlVJE SAMAA,N 1/1W06 NlVlE SAMAAN 1J1M)(i
1 - - - - - - - - - - - - - ---.----- .. _ - - _ . - - - - ,
JIO-J"J1..1111 SOUSACOURTRE1'ORlERS 714-$71-011\ Jlo.)"I)·llll SOUSACOURTREI'ORTERS 11 ....511-4)111
Puge III Pace III
Q. DO YOU }l1I,VE AN OPINION WHAT THE PROPERTY'S THOUGHT YOU HERE GETTING A GOOD DEAL.
WORTH NOW? A. I BELIEVED THAT IT WAS WORTH MORE THAN THAT,
A. I WOULD SAY PROBABLY BETWEEN TWO AND 2.2 HORE THAN ONE POINT SEVEN EIGHTEEN.
MILLION. Q. HOW MUcH MORE"?
O. WHAT DID YOU THINK THE PROPERTY WAS 'WORTH ON A. PROBABLY AROUND 250,000 TO 300,000 HORE.
OCTOBER 25, 20011 Q. so YOU THOUGHT THE PROPEP.T'{ WAS WORTH -- OKAY.
A. I DIDN"T REALL.Y THINK ABOUT IT. I BELIEVED IT FINE.
WAS -- I BELIEVED IT WAS WORTH THE PRICE IT WAS LISTED I HAVE NO FUTURE OUESTIONS OF THIS WITHESS AT
AT. THIS TIME.
10 O. WHAT WAS THE PRICE IT WAS LISTED? 10 HR. STEIN: I HAVE NO QUESTIONS.
11 A. I DON"T J(NOW EXACTLY. 1.6 SOMETHING. 11 NY ONLY CONCERN IS THAT HR. SKULKIN WILL.
12 O. WAS YOUR OFFER -- WAS THE COUNTER OfFER, 12 WE"LL DEAL WITH THAT ACCORDINGLY.
13 1,718, 000, GREATER THAN TItE LISTING PRICE? 13 MR. CUMMINGS: YOU KNOM WHAT YOUR RIGHTS ARE.
A. YES, BUT I BELIEVE THAT IT COULD HAVE BEEN 14 DON'T HAVE TO TELL YOU TtlAT.
15 WORTH HORE, THOUGH -- I MEAN THAN 'WHAT IT WAS LISTED. 15 THE 'WITNESS: 1 UNDERSTAND. THAT] UNDERSTAND.
16 BELIEVE -- I BELIEVED I WAS GETTING A GOOD DEAL fOR THE 16 HR. C\1HMINGS: HE GOT NOTICE:.
11 PROPERTY. 17 HR. STEIN: YES. YOU WANT TO SET A STIPULATION,
18 Q. YOU BELIEVED THAT THE PROPERTY WAS WORTH LESS 18 MR. CUMMINGS"?
)9 THAN 1,118,0001 19 MR. CUNMnlGS: I WOULD PROPOSE THAT THE ORIGINAL
20 HR. STeIN: MISSTATEs HER TESTIUONY. 20 TRANSCRI PT BE SENT TO COUNSEL FOR THE DEPONENT 1 THAT
21 BY HR. CUl'fMINGS: 2] WITHIN 30 DAYS AFTER RECEIPT OF IT BY COUNSEL FOR THE
22 O. DID YOU BE.LIEVE THAT THE. PROPERTY WAS WORTH -1 7- 22 DEPONENT, THAT THE DEPONENT lULL REVIEW IT, OUR FIRM.
23 LESS THAN 1,718,0007 23 WILL BE NOTIFIED OF ANY CHANGES THAT ARE MADE; IT CAN DC
24 A. NO. 24 SIGI'IED uNDER PENALTY O.F PERJURY; THE REPORTER CAN BE
25 O. TELL HE !'IRAT YOU MEANT WHEN YOU SAID YOU 250 RELIEVED OF HER OBLIGATION; AND TKAT IF WE'RE NOT
NlVl£SAMl\AN'1/10ID6 MVIESAMAAN 711tw6
Notice #3
Exhibits VoluQ1eu B"'--_ _-'
B-274
P-CW---DU1.All.l.lt:all-,·40-3 Filed { 7/2008 Page 50 of 50
JIB-)72-,lll SOUSACOURTRJ::POR.llRS 7....511.0111
NOTIFIED OF THE CHANGES WITKIN THAT 30-DAY PERIOD, THEN
A CERTIFIED COpy CAN BE USED .'\S THOUGH IT W&RE; THE
ORIGINAl. SIGNED UNDER pENALTY or PERJURY, WITHOUT ANY
CHANGES; AND THAT THE ORIGINAL DEPOSITION WILL BE
PRODUCED AT THE TRIAL Of" THIS AC'TIQN AND AT ANY OTHER
TIME ON A REASONABLE NOTICE TO COUNSEL FOR PLAINTIFF.
HR. STEIN: so STIPULATED.

(WHEREUPON AT THE HOUR OF 3:29 P.M.,
THE D&POSITION WAS conCLUDED.)
10 -000-
11 [ DEcLARE UNDER PENALTY OF PERJURY THAT THE
12 FOREGOING IS TRUE AND CORRECT_
13 EXECUTED AT CAL I cORNIA,
DAY OF ~ • 2006.
14 THIS
16
17
,.
SIGNATURE or TH£ WlTN8SS
19
20
21
22
23
2.
25
NIVIE SAMAAN 7f1Ml6-
L- _
-148-
Notice #3
Exhibits Volume B
B-275
Case 2:08-cv-0155-
r".p-CW Document 40-4 Filed 17/2008 Page 1 of 13
1
2
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EXHIBITT
27
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-149-

Notice #3
Exhibits Volume B
B-276
Document 40-4 Filed '7/2008 Page 2 of 13
DECLARATION OF VICTOR PARKS
2 I, Victor Parks, state and declare as follows;
3
4 1. I am a Senior Loan Consultant with Pacific Mortgage Loan
5 Consultants. I submit this declaration in support ofNivie Samaan's opposition to Zemik

lt
6 Joseph Zemik's (ltZemik ) Motion to Expunge Lis Pendens. I have personal knowledge of
7 the facts set forth herein, which are known by me to be true and correct, and if called as a
,
8 witness, I could and would competently testify thereto.
J
9
10 2. I have over 30 years of experience in real estate lending and sales. I
11 have been a Senior Loan Consultant with Pacific Mortgage for approximately 4 years. As
12 a Senior Loan Consultant I act as a broker between lenders and borrowers. My duties
13 include gathering information needed by lenders from borrowers and facilitating the
14 procurement ofloans. I have been a loan broker since] 986. Prior to that from] 982 to
15 1986 J was a Vice President and Corporate Loan Officer for Bank ofCalifornia (now
16 Union Bank). Before that from 1971 to 1982 I was Assistant Vice President/Corporate
17 Loan Officer at Bank of Southern California. As a loan officer at both Bank of California
18 and Bank of Southern California I was responsible, among other things, for reviewing loan
19 applications, packaging loans and detennining whether borrowers applying for loans met
20 the bank's criterion. In addition to the above, since 1999 I have been a licensed real estate
21 broker. Attached hereto as Exhibit 20 is a true and correct copy of my most recent resume
22 outlining my experience and qualifications. .. -......' ~ .•. . ...·t·
23
24 3. When deciding whether to lend money t.o.~ bu~~r of residential rea]
25 estate, like Ms, Samaan, a lender examines three fadtors: ('j) the'borrower's ability to
26 repay the loan, (2) the borrower's willingness tq repay the loan aJ!d. (3) the leritier's ability
." • pW
1",
27 to recover the loan should the borrower fail to repay, With respect to the first category, the
28 lender will look to the borrower's incomclJfi.th::lebt structure. The second category is
-l~
W01·WEST:IMMKI1400111151.1 DECLARATION OF VICTOR PARKS
.::-I'~' ............. -' ._- --- -_..._---------,.._ . .~
Notice #3
Exhibits Volume B
B-277
Case 2:08-cv-01551.. ;"P-CW Document 40-4 Filed· .7/2008 Page 3 of 13
1 analyzed based on the borrower's credit. For the first two categories the borrower is the
2 party who provides the lender with the requisite infonnation, such as a credit report, bank
3 account statements, etc. The third category - what happens jf the borrower defaults - is
4 based on the value of the property. The infonnation needed for the lender's analysis of this
5 category comes mostly from the seller. When a borrower has the property appraised,
6 he/she will submit that appraisal to the lender. The lender will then review the appraisal,
7 to detennine whether the value is justified. The lender will not approve the loan until it
8 has reviewed and approved the appraisal. In reviewing the appraisal the lender needs
9 several key documents, two of which are the preliminary title report and the fully executed
10 purchase agreement. The seller must provide the preliminary title report and the purchase
11 agreement must be executed by both parties. The preliminary title report may contain a
12 host of items that affect the value of the property. These items include encumbrances,
13 easements, encroachments, mineral rights, conditions, covenants and restrictions or Home
14 Owners Association restrictions. The lender a]so needs the fully executed Purchase
15 Agreement before it can review and approve the appraisal of a property, because the terms
16 of the purchase agreement may affect value. For example, jf a seIler has agreed to return
17 $]00,000 of tile portion price back to the buyer, then the value of the property should be
]8 reduced by $100,000. A lender cannot approve the appraisal and loan for a property
19 without first reviewing the preliminary title report and the execute purchase agreement.
20
21 4. In or around September 2004, 1 was retained by Nivie Samaan to
22 procure a loan for her to purchase the property located at 320 South Peck Drive, Beverly
23 Hills, California 90212 (the "Property").

24 I
251 5. On or about September 15,1 learned from Samaan that Zernik had
26 Iaccepted her second counter-offer and she inslruct~d me to begin the process of procuring
27/· a Joan for her purchase of the Property. She informed me that escrow was to close on
28 November I, 2004. Samaan also told me-1l1ilsince she was going to be in Hawaii fOT one
, ..
..,.....---
• -";0:;;'- _.=.'
IW02-WEST:IMMKI'AOOI II 15.1.1
..
... --=---_._' .~ .
-2-
.._----:=:;:;-
_---=::.-.. --=
DECLARATION OF VICTOR PARKS
Notice #3
Exhibits Volume B
B-278
Case 2:08-cv-0155\. ,p-cw Document 40-4 Filed \ ,7/2008 Page 4 of 13
00
I week for her wedding, Zemik had agreed to move the acceptance date to September 23, to
2 allow Samaan enough time to meet her obligations under the parties' purchase agreement.
3 On or about September 24, Samaan submitted the necessary financial documents to me to
4 begin processing her loan. J asked Samaan for the fully executed Purchase Agreement, the
5 Preliminary Title Report and Escrow Instructions (the "Escrow Package"). She told me'
6 that she would contact the escrow company selected by Zernik Mara Escrow Company
7 ("Mara Escrow") and request the Escrow Package.

8
9 6. On Monday September 27, I began processing Samaan's loan and
10 ordered an appraisal of the Property. The next day, on Tuesday September 28, I emailed
11 Libow and inlonned him that I had begun processing Samaan's loan. However, I could
12 not submit the loan to the lender, Countrywide, until I had the Prelimlnary Title Report and
13 the fully executed Purchase Agreement. I told Libow that we expected final Joan approval
14 in 10 days. Libow wrote back telling me 10 days is a lengthy period "given the buyer's
15 loan contingency". I responded that we had been informed that all deadlines would start
16 from September 23. Libow never told me or to my knowledge, anyone else, that he
17 disagreed with this understanding. Attached hereto as Exhibit 21 is a true and correct copy
18 afmy email exchange with Libow
19
20 7. On Wednesday, September 29, I called Mara Escrow and asked them
21 to send me the Escrow Package. I told Mara Escrow that any delay by tbe seller in
22 delivering the Preliminary Title Report and the fully signed Purchase Agreement would
23 delay the approval of the loan. The lender could not and wo~ld ~ot approve'the loan
24 without the Preliminary Title Report and the fu]]y executed Purchase Agreement. Mara
';
25 Escrow responded that they were waiting for docu~ents from Libow.
26
27
28 -152-
)•.".,,,,,.,".,,,,.,,, "" ., -3- DECLARAnON OF VJCTO""'O< I

L. :=--....:;:::'..
e:.-.=---:-:;-==--,~:::=====::=.----==.-=---=:::::....-=:....~=-,---=---
_.. ~---'._- ~~~,,"
Notice #3
Exhibits Volume B
B-279
Case 2:08-cv-0155l ,p-cw Document 40-4 Filed l /7/2008 Page 5 of 13
( ("
1 8. The next day, I again contlcted Mara Escrow and asked that they rush
2 the Escrow Package to me. r did not receive a response to my message and notified
3 Samaan that J still had not received the Escrow Package.
4
5 9. On Tuesday, October 5, I again contacted Mara Escrow and asked for
6 the Escrow Package. I told Mara Escrow that I was ready to submit the loan for approval
7 but needed the Preliminary Title Report and the signed Purchase Agreement before I could
8 do so. Later that day Mara Escrow left a voicemail for me informing me that they needed
9 more time to send the Escrow Package. Mara Escrow told me "you're a little premature ..
10 .. could you call us back in a few days ... and then we can send you what you need."
11 Attached hereto as Exhibit 22 is a true and correct copy of transcript of Mara Escrow's
12 voicemail for me. After receiving this voicemail, I sent an email to Libow telling him
13 "we'll be ready to submit for loan approval tomorrow when the appraisal is in.
14 Unfortunately, we called escrow to follow-up on our request for instructions and

15 preliminary Title Report] made on 9/27 and they're saying we may not get everything until
16 next week ... As you're aware, we need these items to submit for final loan approval."
17 Attached hereto as Exhibit 23 is a true and correct copy of my email to Libow dated
1& October 5, 2004. Libow did not respond to my email.
19
20 10. Still not having received the Escrow Package, on Wednesday, October
21 6, I urged Samaan to contact Mara Escrow. Finally, on Wednesday, October 6, after the
22 close of business, at 5:38 p.m., Mara Escrow sent some, bul not all, of the necessary
23 documents to me. Specifically, Mara Escrow delivered..the Escrow Instiu.ctions and the
• •: > " .. _.J • .'
24 Preliminary Title Report. Mara Escrow did'· not, however, deliver the fully executed
25 Purchase Agreement. Because Mara Escrow sent
:.
the document after the close of business,
. , . ... ." ~
26 I did not receive the documents until the next day, Thursday, October 7. One day later, I
.;
27 notified Libow that I was submitting the loaTl;}9 the lender, Countrywide'f'6r approval but
28 -153-
I W02·WEST:JMMK1\.lnOIl1l51.1
-4-
DECLARAnON OF VICTOR PARKS
Notice #3
Exhibits Volume B
B-280
~
Case 2:08-cv-0155L i.'p~CW Document 40-4 Filed L i ]12008 Page 6 of 13
I that the lender would not receive it until October 12, because Monday October 11 was a
2 holiday.
3
4 II. The following week, on Friday, October 15, I learned that the lender,
5 Countrywide was suspending a decision on the loan because Zemik had not yet sent me
6 the fully executed Purchase Agreement. Attached hereto as Exhibit 24 is a true and correct
7 copy of Countrywide's notice which states the reason fOT the suspension. 1 immediately
8 contacted Mara Escrow and urged them to send me the fully executed Purchase
9 Agreement. Mara Escrow told me that they had not yet received the signed Purchase
10 Agreement from Zemik. The following Monday, October 18, Mara Escrow sent me some
11 additional documents, but still not the fully executed Purchase Agreement. Not having
12 received the executed Purchase Agreement, I pleaded with Countrywide to conditionally

13 approve the loan.
14
15 12. On Monday October J8, at my urging, Countrywide conditionally
16 approved the Joan. I informed Libow of this fact and told him that the loan is conditioned
17 on the appraisal review due by the end of the week, October 22, and the lender receiving
1& the executed Purchase Agreement.
19
20 13. On Thursday, October 21, I contacted Mara Escrow and infonned
21 them that J was ready to order the loan documents, but could not do so until I received the
22 fully executed Purchase Agreement.
23
24 14. On Friday, October 22, Mara Escrow sent me the Purchase
25 Agreement. 1 immediately sent it to Countrywide. I then called Libow to provide him

26 with an update. Later that day, Libow wrote back in an email to me and copied to Samaan,
27 thanking me for my update and raising the possibility of a two week extension of close of
28/ "crow to ",able ~ern;k 10 fiod .oothe< pi~::I wrote Libow back and ...mioded him that
IW02-WEST:I:IofMKIW00111ISI.I DECLARATION OF VICTOR PARKS
Notice #3
Exhibits Volume B
B-281
Case 2:08-cv-0155l ,p-cw Document 40-4 Filed I.. .7/2008 Page 7 of 13
he had not provided us with the Preliminary Title Report until October 8, 2004, and
2 because Monday October 11 was a holiday, Countrywide did not receive it until October
3 12. Attached hereto as Exhibit 25 is a true and correct copy afmy email to Libow dated
4 October 22,2004.
51
6 15. The following Monday, October 25, I received the lender appraisal
7 approval and immediately informed Libow of the same. Attached hereto as Exhibit 26 is a
8 true and correct copy of my email to Libow dated October 25, 2004.
-' 9
10 ]6. The only reason Countrywide did not approve the appraisal of the
11 Property was that we did nottimely receive the Preliminary Title Report and the executed
12 Purchase Agreement. Here, Zemik and Libow did not deliver the Preliminary Title Report
13 to me until Thursday, October 7, 2004, one day before a three-day weekend. Therefore,
14 Countrywide did not have the Preliminary Title Report until Tuesday October 12. But
IS even with the preliminary title report Countrywide could not approve the appraisal until it
16 had the Purchase Agreement, which Zemik did not provide to us until Friday, October 22,
17 one day before he attempted to cancel escrow. Even with all of Zemik's delays, the loan
18 was approved on October 22. Had Zemik provided us with the Preliminary Title Report
19 and the signed Purchase Agreement when he was supposed to do so, Countrywide would
20 have approved the appraisal of the Property in time for Samaan to remove the Appraisal
21
-155-
:--~:" --"
-.:._-.~-
. .. - • .:;:::-==:--- p
Notice #3
Exhibits Volume B
B-282
Case 2:08-cv-0155l . . P-CW Document 40-4
Filed \. /712008 Page 8 of 13
Oct 27
1 Contingency by October 11. We had one full week before the deadline for <:lose of
2 escrow. It would have only taken a few days for the loan documents to be prepared.
3 Based on my experience I believe that the parties could have closed escrow by November
4 1,2()04.
5
61 I declare nnder penalty ofpetjury under the Jaws afthe State ofCalifomra
7 J that the foregoing is true and conect.
8
JO
9
Executed on October ~ 2006 at ~ DI ~,.> ,
California.
11
12
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17
IS
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20
21
.2.1_ ._0.
2.:s ... ..'~ .." .
24
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wo:z.WEST: IMMKI \400111 JSJ.l 156-7 -
.~.-.'- . y •..• .=::- .-:-=-=---- ..:-:::::::.-

~--_
_ _0'
Notice #3
Exhibits Volume 8
8-283
Case 2:08-cv-0155l ,;"P-CW Document 40-4 Filed to 1]12008 Page 9 of 13
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EXHIBITU
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-157-

Notice #3
Exhibits Volume B
B-284
Case 2:08-cv-0155t \p-cw Document 40-4 Filed L . 7/2008 Page 10 of 13
, . Sep 07 04 05:12p PrlC

- -
SO~
- - --.----.-- '*' au •
271 781:5
0 C•
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Fax Cover
Victor Parks
('98S} 575-5693 Oir~
{SOli) 27l.-7845 F<l"JC
o Urgen! r: Please Review U Please Approve
Tl>'I Michael Llbow P.Mumhor. (310) 278-4934
NI.W'ftI:Itw r1I ....»_; 2

I,"clud""} CXl'">t'J
D.~t..: September 7. 2004
C"""Mo>nts~ Nivie Samaan PrequalmcaVon Leta
Hello Mr. Libow:
Ms. Samllan has been Prequalif&ed (or an 80110/10 Jumbo 5/1 Interest Oniy 1::1 mortgage at 4 375%
njj
and a 4.5% Interest Orly 2 mortgage. She has excellent credit (748 Fico), good income-to-cJe!)t
ratios and over $200,000 in \/erified liquefiable assets.
Respectfully.
Victor Parks
-158-
L: I 39\fc!
Notice #3
Exhibits Volume B
B-285
Case 2:08-cv-0155G .P-cw Document 40-4 FiledL .7/2008 Page 11 of 13
------ ........... ~
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I I.'l'\': rl,r"':'ft! 10' .....Mltill1t ",irh ~'ou to ;\ ;'1ICCl..~sful clll,<;C (lr l:~Cr\IW. Shlll.ll\ ~')11 ,te,i~ addititlll:li
inlhnnalioll. plc:',c (I'd ,''':..: 10 C;1\lIla~lllh: .n' (llllS) 575-569).
Vi~II" I'ar!.;:oo
~(. I.oan C.m"uILlll!
-159-
~ 113)/NY8 113J.I0100 ; AS 1.N3S
Notice #3
Exhibits Volume B
B-286
Case 2:08-cv-0155C
·- .P-cw Document 40-4 Filed L .7/2008 Page 12 of 13
NAME. ADDRESS AND TELEPHONE NUMBER OF ATTORNEY(Sj
JOSEPH ZERNIK
T: 310 435-9107 F: 80 I 998-0917 E: jz 12345@earthlink.net

JOSEPH ZERNIK CASE NUMBER .
PLAINTIFF(S). 08-CV-01550-VAP-CW
v.
OF SERVICE
DEFENDANT(S).
1. the undersigned. certify and declare that I am over the age of 18 years, employed in the County of
Los Angeles, , State of California. and not a
party to the above-entitled cause. On April 15th • 20 08 , I served a true copy of
NOTICE OF SAMAAN'S FRAUDULENT LOAN APPLICAnONS AND UNDERWRITING BY COUNTRYWIDE
depositing it in the United States Mail in a sealed envelope with the postage thereon fully prepaid to the follOWing:
Place of Mailing: Los Angeles, California

Executed on April)~ I e " , 20.~O:.;;:8~__ at Los Angeles . California
o I hereby certify that I am a member of the Bar of the United States District Court. Central District of
California.
o I hereby certifY that I am employed in the office of a member of the Bar of this Court at whose direction the
service was made.
IiiI I hereby wtify und" the penalty of petiu!}' t~ y~
Signature ofPerson Making Service

77tc:::.IJr-
I, , received a true copy of the within document on _
CV·40 (01/00) PROOF OF SERVICE· ACKNOWLEDGMENT OF SERVICE
Notice #3
Exhibits Volume B
B-287
Case 2:08-cv-0155C .P-cw Document 40-4 Filed L 7/2008 Page 13 of 13
Sarah L Overton
Suite 700
Riverside, CA 9250 I
951-276-4420
John W Patton, Jr
1875 Century Park E
Suite 2200
310-553-1500
Michael L Wachtell
Buchalter Nemer PC
213-891-5761
John Amberg
Bryan Cave, LLP
Tel (3101 576-2100
Fax (3101 576-2200
Notice #3
Exhibits Volume B
B-288
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26 Exhibit B(4)
27
28

Case # 05-90374
Notice #3
Exhibits Volume B
B-289
Case 2:08-cv-015~ AP-CW Document 38 Filed O·
...
1 Joseph Zemik
2 2415 Saint George St.
.-
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f07,·::
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. -"j
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3 Tel: (310) 4359107 .-
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4
Fax: (801) 998 0917
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5 Plaintiff (""I"
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6 in pro per r' -
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--I
8
9
10
11
12 No. CV-08"01550-VAP-CW
13 JOSEPH ZERNIK HON C. WOEHRLE, JUDGE
Plaintiff
14 NOTICE OF
JI: FRAUDULENT DECLARATIONS
15
JACQUELINE CONNOR ET AL BY
16 Defendants MARIA MCLAURIN,
BRANCH MANAGER,
17 COUNTRYWIDE HOME LOANS, INC:
18 MISIDENTIFICATION
&
19 MISREPRESENTATION
OF DOCUMENTS" THE
20
FOUNDAnON OF SAMAAN'S
21 FRAUDULENT CLAIMS -
LIKELY TO BE DEEMED
22 PREDICATED ACTS PER RICO.
23
24 DATE: APRIL 15,2008
25
26
27
28
-1-
NOTICE OF FRAUDULENT DECLARAnONS OF MARIA MCLAURIN, BRANCH MANAGER, COUNTRYWIDE
Notice #3
Exhibits Volume B
B-290
Case 2:08-cv-015~ ,AP-CW Document 38 Filed (; _ . 112008 Page 2 of 50
1 TO ALL PARTIES AND THEIR COUNSELS OF RECORD:

2 PLEASE TAKE NOTICE of the following documents, numbered 1,2, and 3 below,
3 and their copies provided under Exh A, B, and C, respectively. In view of 18 U.S. Code §
4 1961 (RICO) and 18 U.S. Code §1028 (relating to fraud and related activity in connection
5 with identification documents), please note that overall, these documents evidence Maria
6 McLaurin (McLaurin), Countrywide Home Loans, Inc (CHL) San Rafael Branch Manager,
7 and CHL issuing one (1) letter and two (2) declarations between November 2006 and Aug
8 2007 for a total of three (3) separate occurrences of misidentification and misrepresentation
9 of CHL documents over a period of 10 months. These documents were filed a total of four
10 (4) times in court during that period, for a total of four (4) "predicated acls" within 10
11 months. Alternatively, the declaration in Exh C may be deemed in and of itself as numerous
12 predicated acts, since different paragraphs of that declaration are dedicated to the
13 misrepresentation of different documents. These predicated acts also served as the
14 foundation for Samaan's fraudulent claims, and also constituted acts pursuant to and 18 U.S.
15 Code § 1961 (RICO) in relationship to 18 U.S. Code §1513 (relating to retaliating against a
16 witness, victim, or an informant):
17 1) Nov 6, 2006 McLaurin Letter and Attached Document (Exh A) - signed and
18 dated Nov 6, 2006, filed in PlaintiffSamaan's Sur Reply in Opposition to
19 Defendant Zernik's Motion to Expunge Lis Pendens, heard Nov 9, 2007.
20 2) May 23, 2007 McLaurin Declaration and Attached Document (Exh B) -signed
21 and dated May 23,2006, filed:
22 a. In Plaintiff Samaan's Motion for Summary Judgment, heard on Aug 9, 2007.
23 b. In Plaintiff Samaan's Opposition to Defendant Zernik's second Motion to
24 Expunge Lis Pendens heard on July 23, 2007
25 3) Aug 3, 2007 McLaurin Declaration and Attached Document (Exh C) - signed
26 and dated Aug 3, 2007, filed in Plaintiff Samaan's Reply in Support of Plaintiff
27 Samaan's Motion for Summary Judgment, heard on Aug 9, 2007.
28 Exhibits A, B, and C show McLaurin's progression from a cautious letter writer, who
NOTICE OF FRAUDULENT DECLARATIONS OF MARIA MCLAURlN, BRANCH MANAGER, COUNTRYWIDE
Notice #3
Exhibits Volume B
B-291
Case 2:08-cv-015t. , AP-CW Document 38 Filed 0- - . 112008 Page 3 of 50
1 refused to either draft or sign a declaration under penalty of perjury on Nov 6, 2006, to the
2 signer of a short fraudulent perjurious, somewhat oblique declaration on May 23, 2007, and
3 finally - to a signer of a fully blown, rambunctious, fraudulent and perjurious declaration on
4 Aug 3, 2007. One must recall that in November 2006 Zernik was not yet aware of any of the
5 facts listed here, but by January 2007 he already filed a complaint with the FBI listing fraud
6 by Samaan, Lloyd, McLaurin, and Countrywide, and correspondence by Keshavarzi
7 protested McLaurin's listing in Zernik's FBI complaint as a cause for actions against Zernik.
8 The following document provide evidence of the initial formative correspondence that
9 preceded these fraudulent misidentifications and misrepresentations: Nov 3-6, 2006
10 Correspondence ofJae Arre Lloyd (Lloyd, Samaan's husband), Mohammad Keshavarzi
11 (Keshavarzi, Samaan's Counsel), and Victor Parks (Parks, Samaan's Loan Broker) ( Exh
12 D).
13 This communication demonstrates that Samaan's relationship with (CHL) McLaurin,
14 through her husband, Lloyd, was beyond that of an arm's length mortgage applicant and a
15 bank manager.
16 At the beginning of this correspondence, on Nov 3,2006, Lloyd suggests that a claim
17 be made that Zernik's signature/initials on the initial offer of Sept 4,2004 prevented final
18 approval of Samaan's loans. But by the end of this correspondence, on Nov 6, 2004,
19 McLaurin signed the letter presented first as part of the correspondence in Exh D, and again
20 as it was submitted in Court in Exh A, as an attachment to the Nov 6, 2006 Parks'
21 Supplemental Declaration. Combined, Parks' declaration and McLaurin's letter
22 misrepresent Zernik's initials/signature as the primary or the only cause for immediate
23 suspension ofSamaan's loan applications, on Oct 14, 2004, after their purported first ever
24 submission on Oct 12,2004.
25 Please note:
26 1. Notice ofSamaan's Fraudulent Loan Applications and their Underwriting reviewed
27 in greater detail the issue of fraudulent misrepresentations by Samaan and Countrywide
28 regarding receipt of the loan applications. That notice shows that in fact on Oct 12,2004,
-3-
NOTICE OF FRAUDULENT DECLARATIONS OF MARIA MCLAURIN, BRANCH MANAGER, COUNTRYWIDE
Notice #3
Exhibits Volume B
B-292
Case 2:08-cv-015t. AP-CW Document 38 Filed 0·. _/12008 Page 4 of 50
1 Samaan's loan applications were marked as "Received" for the second time, not the first
2 time. Such applications were received for the first time being in the first week of October,
3 2004.
4 2. Notice ofSamaan 's Fraudulent Loan Applications and their Underwriting, and also
5 Notice ofPurchase Contract also showed that the Purchase Contract was never submitted
6 to Countrywide even on Oct 25, 2004, 5:03pm, as claimed, let alone Oct 12, or Oct 14, 2004.
7 Therefore, there was no way that anybody in Countrywide could make any determination, let
8 alone decision on suspension regarding such initials/signature on that document. Indeed,
9 there is no document to that effect from 2004. Therefore McLaurin's fraudulent
10 declarations in 2006 and 2007 became imperative or Samaan's fraudulent claims.
11 3. In November 2006 McLaurin was still cautious, and she refused to sign Keshavarzi's
12 proposed declaration. Instead she signed a letter, with an attached copy of the invalid Oct
13 26, 2004 Underwriting Condition/Decision Letter, misidentifying it as a valid Underwriting
14 Condition/Decision Letter of Oct 14,2004 or mid-October 2004. The Notice ofpurported
15 Valid Underwriting Letter describes in greater detail the fraudulent representations
16 regarding that document.
17 4. Combined, the Nov 6, 2006 McLaurin's Letter and the Nov 6, 2006 Parks'
18 Supplemental Declaration misidentified and mischaracterized the document attached to
19 McLaurin's letter as an Oct 14, 2004 or mid-October 2004 Notice of Suspension. In fact, the
20 Underwriting Letter attached to McLaurin's letter is dated Oct 26,2004, and the true and
21 correct Oct 14. 2004 notice of suspension is the Oct 14, 2004 Underwriting
22 Decision/Condition Letter attached to McLaurin's Aug 3, 2007 Declaration (Exh C). But
23 there again, McLaurin falsely misidentifies and misrepresents that document as an approval
24 letter. By Oct 26, 2004, the day that this Underwriting Decision/Condition Letter in Exh A
25 was issued, Samaan's loan applications should have been terminated, had the conditions set
26 on Oct 14,2004 by the duly assigned underwriter - Diane Frazier were kept. But as shown
27 in the Notice ofSamaan 's Fraudulent Loan Applic{ltion and their Underwriting, by Oct
28 25,2004, McLaurin assumed underwriting for Samaan's loans, and disregarded the
-4-
Notice #3
Exhibits Volume B
B-293
Case 2:08-cv-015~ , AP-CW Document 38 Filed o. . 112008 Page 5 of 50
1 underwriting conditions set by the duly assigned underwriter.

2 III
3 5. The May 23, 2007 McLaurin Declaration repeated, more explicitly, the false
4 misidentification of the Oct 26, 2004 Invalid Underwriting Decision/Condition Letter:
5 i. It falsely states (13):
"The records that I reviewed are maintained In the ordinary course of
6 Countrywide's business, created at or near the time of any events In
question and stored In the ordinary course of Countrywide's business."
7
That statement is false and incorrect regarding the document attached to the Nov 6,
8
2006 McLaurin's Letter and the May 23,2007 McLaurin Declaration. This
9
Underwriting Decision/Condition Letter was not part of the 2004 loan file according
10
to Att Shatz and Att Boock of Countrywide Legal Department in Meet and Confer in
11
2007. This document was never part of the first four (4) subpoena productions of
12
Samaan's loan file. To explain the origin of this document Countrywide's Legal
13
Department produced the correspondence between Lloyd, McLaurin, Keshavarzi,
14
from 2006.
15
ii. McLaurin falsely states (14):
16
"In mid-October 2004, Countrywide processed loan number 81737375 for
17 Ms. Samaan's purchase 01320 S. Peck Drive, in the City of Beverly Hills,
California, 90212. The loan was suspended, however, because
18 Countrywide had not yet received a copy of the fully executed purchase
agreement. Attached hereto as Exhibit A is a true and correct copy of the
19 underwriting condition letter issued by Countrywide and setting forth the
basis for suspension of Ms. Samaan's loan."
20
Here, McLaurin explicitly falsely misidentified the invalid Oct 26, 2004 Underwriting
21
Decision/Condition Letter as the one issued in mid-October 2004, that set forth the
22
basis for suspension ofMs Samaan's loan. The attached document is not from mid-
23
October 2004, and it is not the one that set forth the conditions for suspension of
24
Samaan's loan.
25
6. McLaurin falsely states (~4):
26
"Based on the information she provided .and subject to any later arising
conditions, Ms. Samaan otherwise qualified for the loans,"
27
As explained in greater detail in Notice ofSamaan 's Fraudulent Loan Applications
28
-5-
Notice #3
Exhibits Volume B
B-294
Case 2:08-cv-015t., AP-CW Document 38 Filed 0- ! 12008 Page 6 of 50
1 and their Underwriting by Countrywide, already by Oct 6, 2004, the duly authorized
2 underwriter, Diane Frazier, identified Samaan's fraudulent employment data, and also Clues
3 and Frazier both identified Samaan's loan applications as invalid - for failing to list any loan
4 fees as required (0.75%), and therefore - also listing false closing costs.
5 7. McLaurin continues and falsely states (15):
6 "A fully executed purchase agreement enables Countrywide to approve
the appraisal of the property prior to approving a loan, because the terms
7 of the purchase agreement may affect the value of the property.
Countrywide will not approve a loan until it has reviewed and approved
the appraisal on the property for which the loan is being obtained."
8
Here McLaurin is trying to provide a convoluted explanation why Samaan could not
9
remove her appraisal contingency, when in fact she already had an appraisal that came in at
10
sales price. The explanation provided here, beyond being entirely illogical, is also entirely
11
inconsistent with the true facts in this matter. What was missing was not Countrywide's
12
approval of the appraisal. What was missing was a review appraisal. And the duly assigned
13
Underwriter, Diane Frazier, set a condition that the review appraisal would not be ordered
14
prior to receipt of new, valid loan applications (1003). In fact, once she removed Diane
15
Frazier from underwriting of the Samaan loan applications, McLaurin ordered the Review
16
Appraisal on Oct 25, 2004, although the purported "fully executed" contract was still not
17
provided to Countrywide.
18
Yet even ordering the review appraisal, and purportedly receiving the "fully executed
19
contract" on Oct 25, 2004 was not sufficient for loan approval - the review appraisal did not
20
arrive until Nov 3, 2004 (Exh E). And the Nov 3,2004 Underwriting Decision/Condition
21
Letter still lists the "fully executed contract" as missing. Obviously, the fax header imprint of
22
that docwnent, reading receipt on Oct 25, 2004 was the product of the wire/fax scheme
23
(explained in greater detail in xxx Notice ofPurchase Contract) and the docwnent was not
24
part of the loan file even as of Nov 3, 2004.
25
All together, none of McLaurin's statements is supported by the real documents from
26
2004, since McLaurin's statements are entirely fabricated. Her statements can only be
27
accepted as self-standing alternative reality, different that than that documented by the true
28
-6-
Notice #3
Exhibits Volume B
B-295
Case 2:08-cv-015~ ,AP-CW Document 38 Filed 0..... 112008 Page 7 of 50
1 facts - that which is sometimes called fibulations, and here is more of repetitive fraudulence.
2 III
3 The Aug 3, 2007 McLaurin's Supplemental Declaration is replete with false and
4 misleading statements.
5 8. McLaurin falsely and misleadingly states ('P):
"I oversee all loans coming into the branch, from registration through
6 underwriting and funding. Based on my review of the loan file, I have
personal knowledge of all facts set forth in this declaration."
7
Here McLaurin misrepresents her acquaintance with Samaan's loan as a regular
8
Branch Manager knowledge of all loans approved in her branch, and based on review after
9
the fact. That was not the case at all. McLaurin assumed underwriter's responsibilities in
10
Salnaan's loans instead of the duly assigned underwriter, and continued to do so even though
11
Gadi, Underwriting Supervisor, instructed her that a local branch underwriter must review
12
the loan applications. And she had personal communications with applicant's husband,
13
Lloyd, including communications regarding this particular loan applications in 2006. It
14
almost appears as if nobody told McLaurin that the Legal Division of Countrywide
15
produced to Zernik her email correspondence with Lloyd. These issues were reviewed in
16
greater detail in the Notice ofSamaan 's loan applications and their underwriting by
17
Countrywide
18
9. McLaurin falsely states (~3):
19 "When a loan is "Referred," it does not mean that there is a problem with
the loan application".
20 The referral of Samaan's loan application definitely meant that there were problems
21
with Samaan's loan applications - violations of program rules by refusing to list any loan
22
fees, and false employment data with no reasonable explanation.
23
10. McLaurin falsely misrepresents (~4):
24 "Loans for an amount greater than one million dollar require corporate
approval."
25
McLaurin misrepresents the Referral of Samaan's loan as a routine referral. In fact,
26
the referral was due to the insistence of Samaan and McLaurin on an exception - that
27
Samaan not pay the required loan fees of 0.75%, as required by program rules.
28
-7-
Notice #3
Exhibits Volume B
B-296
Case 2:08-cv-015!.. I AP-CW Document 38 Filed 0·... 1/2008 Page 8 of 50
1 11. McLaurin falsely misrepresent (~5):

2 "The LTV/CLTV (loan to value/combined loan to value) for Ms Samaan's
loans required an exception and corporate approval, which was received
on Oct 29, 2004."
3
The issue of McLaurin's Oct 25,2004 Exception Request - Branch Input (in itself a
4
fraudulent document) and Gadi's response on Oct 29, 2004, which was clearly not an
5
approval of the exception, is described in more detail in document titled: Notice of
6
Samaan's Fraudulent Loan Applications etc.. On the contrary - Gadi, in his reply to
7
McLaurin's fraudulent Exception Request, did not approve the request, and like Frazier
8
before him, demanded that Samaan submit new loan applications (1003) including the
9
0.75% loan fees.
10
12. McLaurin falsely states and misrepresents (~5):
11
"Attached hereto as Exhibit "C' is a true and correct copy of the
12 underwriting conditions letter for loan no. 81737375, Issued by
Countrywide on October 14,2004. This letter informed Ms. Samaan's
13 broker that "SUbject to the specific conditions listed below, we will be
able to approve your loan submission"
14
This statement entirely contradicts McLaurin's statements in the Nov 3,2006 Letter
15
and the May 23, 2007 Declaration - that Samaan's loan applications were suspended on Oct
16
14,2004, or mid-October 2004. It also contradicts the notion that the document attached to
17
the Nov 3, 2006 Letter and the May 23, 2007 Declaration was the true and correct Oct 14,
18
2004 Underwriting Letter, since now another document is represented as the true and
19
correct Oct 14,2004 Underwriting Letter. But the fact that Samaan's loan applications were
20
suspended on Oct 14,2004 remains valid. The letter attached to this declaration is in fact a
21
suspension notice, as clearly noted in the upper left corner. McLaurin here is
22
misrepresenting it as a routine letter indicating conditional approval.
23
13. McLaurin misstates and misrepresents (~6):
24
"On October 14. 20U4, we also issued a letter indicating that Ms.
Samaan's loan no. 81737375 had been suspended, pending satisfaction of
25 three conditions. This letter is attached as Exhibit "A" to my prior
declaration, dated May 27, 1007."
26
To explain the obvious contradiction between her statements in the preceding
27
paragraphs of instant declaration, and her previous declarations, McLaurin here again
28
-8-
NOTICE OF FRAUDULENT DECLARATrONS OF MARIA MCLAURIN, BRANCH MANAGER, COUNTRYWIDE
Notice #3
Exhibits Volume B
B-297
Case 2:08-cv-015L ,AP.,.CW Document 38 Filed 0·. .112008 Page 9 of 50
1 misrepresents and misidentifies the letter attached to her previous declaration as being on
2 Oct 14,2004, when in fact it was clearly marked as a document issued on Oct 26, 2004. She
3 now falsely states that on Oct 14, 2004 Countrywide issued two underwriting letters to
4 Samaan: One stating conditional approval, and the other stating suspension. That McLaurin
5 could author such crooked illogical declaration, that nobody in Countrywide reviewed her
6 declarations prior to their submission in court, and that Countrywide now continues to
7 support these declarations (McLaurin is still Branch Manager in San Rafael), is explained
8 only on the background of the March 5, 2008 Opinion of Judge JeffBohm from US District
9 Court in Houston Texas and the United States Trustee (filed under separate cover),
10 describing Countrywide's litigation practices countrywide and its attorneys:

11 "have shown a disregard for the professional and ethical obligations of
the legal profession and judicial system"
12
14. McLaurin misstates and falsely claims (~8):
13 "By October 25. 2004. Ms. Samaan had provided Countrywide with the
documents that the underwriter needed to approve loan no. 81737375.
14 including a fully executed purchase agreement. Ms. Samaan's loans were
then approved by the underwriter and submitted to the corporate
15 department for final approval. The corporate department approved Ms.
Samaan's loans on October 29.2004:'
16
This paragraph is the most burdened with false statements and misrepresentation per
17
lines than any in the declaration. Paper tolerates it all.
18
a. There is no evidence that by Oct 25, 2004 Samaan provided Countrywide with the
19
documents that the underwriter needed to approve the loan. On the contrary:
20
i. The fax header imprint on the "fully executed" purchase agreement is
21
a product of the fax/wire scheme, and even the Oct 29, 2004
22
Underwriting Letter still lists it as missing.
23
ii. There is no evidence that Samaan ever filed valid loan applications
24
including the 0.75% loan fees as required.
25
iii. There is no evidence that Parks ever provided the Broker Certification
26
of documents.
27
28
-9-
Notice #3
Exhibits Volume 8
8-298
Case 2:08-cv-0155, AP-CW Document 38 Filed OL" _, 12008 Page 10 of 50
1 IV. There is no evidence that Samaan's mother ever provided the required
2 letter regarding ownership and access to the funds in the joint account.
3 b. Ms Samaan's loans were never approved by the underwriter on Oct 25,2004, and
4 never sent for corporate approval on October 25,2004 by the Underwriter. The duly
5 assigned underwriter, Diane Frazier, was displaced by Oct 25, 2004, and it was
6 McLaurin herself who sent to Gadi on Oct 25,2004 the fraudulent Oct 25,2004
7 Exception Request - Branch Input (described in greater detail in the Notice of
8 Samaan's Fraudulent Loans and Their Underwriting).
9 c. Corporate Department never approved Samaan's loans by Oct 29,2004 either. Gadi's
10 Oct 29, 2004 Response to Exception Request is copied and analyzed in greater detail
11 in Notice ofSamaan 's Fraudulent Loans and Their Underwriting.
12 15. McLaurin falsely states (19):
13 "I have been informed of Mr Zernik's allegation that the October 14, 2004
suspension letter was issued on October 26, 2004 and is "an instrument
14 of deception." There is no merit to Mr. Zernik's allegations. The
suspension letter was issued on October 14, 2004 as evidenced by the
date on the second page. The document was printed on October 26, 2004,
15 not Issued on that date. This suspension letter appears to be a printout
from Countrywide's Computer program and to my knowledge is accurate
16 and valid. There is no requirement that such letters be signed by the
underwriter. The fact that the letter is not signed does not mean that it is
17 not valid."
18 On January 8, 2008, counsels for Countrywide finally admitted in a Pennsylvania

19 courtroom that they filed "recreated letters" as evidence (filed under separate cover with
20 requestforjudicial notice). What McLaurin is describing here is the same fabrication-
21 "recreated letters". The document at bar was generated on Oct 26, 2004, was faxed on Oct
22 26, 2004, bears a time stamp of Oct 26, 2004, bears a fax header imprint of Oct 26, 2004, but
23 McLaurin insists on falsely claiming that it is a legitimate Oct 14,2004 document.
24 The document marked Oct 26, 2004 was not an Oct 14, 2004 document and cannot be
25 an October 14, 2004 document, if issued on Oct 26, 2004. And a second copy of same
26 shows that it was faxed (By whom? To whom? None of the documents is authenticated) on
27 Oct 26, 2004 as well.
28
-10-
Notice #3
Exhibits Volume B
B-299
Case 2:08-cv-0155... AP-CW Document 38 Filed 04, . '/2008 Page 11 of 50
1 If this letter was issued on Oct 14, 2004, then Countrywide should have produced the
2 Oct 14, 2004 letter, not a "recreated letter" of Oct 26, 2004, but misrepresented as a
3 docmnent of Oct 14,2004.
4 16. McLaurin further falsely states (110):
5 "I have never met Ms. Samaan or Jae Arre Lloyd, and do not know them
personally. My involvement in the processing of Ms Samaan's loans was to
sign off on two conditions, which had been met: (1) condition 027, which
6 was met on October 25, 2004 and required Ms Samaan to provide an
acceptable explanation for the discrepancy between the business address
7 and the business address we found In our reverse 411 search, and (2)
condition 138, which required corporate approval of 0,75 0/0 to be added to
8 Ms Samaan's loan fees. The latter condition was an Internal condition
which did not require anything additional from Ms Samaan, Both these
9 conditions had been met on October 25, 2004, so 1 signed off on them. 1
signed off on these conditions to ease underwriting supervisor Diane
10 Frazier's workload, which is not uncommon for a branch manager to do.
These sign offs were ministerial and administrative in nature,"
11
This paragraph again is replete with false and deliberately misleading statements.
12
McLaurin here again states that she does not know Lloyd, in a docmnent she signs on Aug
13
3,2007, but Countrywide produced her personal email correspondence with Lloyd, on first
14
name basis, dated from Nov 3 - Nov 6, 2006.
15
McLaurin here states that she only signed off on two conditions, falsely and
16
misleadingly misrepresenting that Frazier was still in charge of the underwriting of Samaan's
17
loan applications, when in fact, Frazier was dismissed from the underwriting ofSamaan's
18
loan applications by Oct 25,2004, and McLaurin, with help from her assistant, Kirstin Ortin
19
took care of that after that day.
20
McLaurin here confirms that Countrywide's underwriter found out about Samaan's
21
false employment data through the reverse 411 search. But the printout of the reverse lookup
22
of 411 is dated Oct 6, 2004. Therefore, if we are to believe these convoluted lies, then
23
Diane Frazier discovered Samaan's false and fraudulent employment data listed in her loan
24
application even before these loan applications were received in Countrywide.
25
In and of itself, this statement confirms that the whole history of Samaan'sloan
26
applications and their underwriting provided by Countrywide Legal Division, by McLaurin,
27
by Samaan, by Keshavarzi, and by Parks, was nothing but convoluted fraud.
28
-11-
Notice #3
Exhibits Volume B
B-300
Case 2:08-cv-0155, AP-CW Document 38
Filed 0<.,.. //2008 Page 12 of 50
1 McLaurin goes on to state that her singing off in Frazier's name was no unusual act.
2 But as is obvious from Mr Gadi's communication from Oct 29,2004 it was unusual enough
3 that he demanded that it not be repeated, and that Samaan's loan applications be
4 underwritten and signed off by a Branch Underwriter. And yet, even though Samaan's loan
5 applications were forwarded by Countrywide Home Loans, Inc, San Rafael Branch for
6 funding by Countrywide Bank on Jan 27,2005, there is no indication in any of the
7 documents in Samaan's loan file that Diane Frazier, or for that matter - any other
8 underwriter ever laid eye on her loan applications or signed off on them.
9 But then again- on Jan 27,2005 Countrywide Bank denied funding ofSamaan's loan
10 applications, contrary to the false and misleading history propagated by McLaurin, Samaan,
11 Parks, and Keshavarzi, and in 2007, in investigation by the Federal Office of Thrift
12 Supervision, in response to complaint by Zemik, Countrywide Bank stated that it would
13 never have funded Samaan's loan applications.
14 17. McLaurin further falsely states ('11):
15 "The October 14, 2004 CLUES report proVides, in part, that "Reduced
Documentation Is not allowed on a Non-Conforming Mega Loan... The max
16 loan amount is $1,000,000 on Non-Conf ARM Fixed Period ..... This does
not mean that Ms Samaan had applied for the wrong loan."
17
McLaurin again engages in the practice of false and misleading statements, and
18
misrepresentation of financial documents. She quotes a statement, then states that theh
19
statement means the opposite of what the statement states.
20
18. McLaurin continues to falsely state ('12):
21 "I have been Informed of Mr Zernlk's allegation that Ms Samaan did not
have 6 months reserve required for the loan she applied for. This Is
22 incorrect. Countrywide verified that Ms Samaan had more than 6 months
reserve for her loan. This is reflected on the CLUES report for Ms
23 Samaan's second loan (no. 81737383)•••"
When one CLUES report is not saying what McLaurin likes, she skips to another
24
CLUES report of another loan...regardless of the fact that neither CLUES report was valid.
25
In his Oct 29, 2004 reply to McLaurin Oct 25, 2004 Exception Request, described in more
26
detail in a document titled: "Samaan's Fraudulent Loan Applications and their
27
Underwriting" Mr Gadi explicitly rebuked the fact that McLaurin filed her exception request
28
-12-
Notice #3
Exhibits Volume B
B-301
Case 2:08-cv-0155, AP-CW Document 38 Filed 0..,.. 1/2008 Page 13 of 50
1 with no valid CLUES report, and set yet another condition -- that a valid CLUES report be
2 generated for Samaan's loan applications. Yet there is no evidence in Samaan's loan file that
3 such was ever done. McLaurin is of course aware of all of that, yet she continues to make
4 such false statements under penalty of perjury.
5 19. McLaurin again engages in misrepresentation and false and deliberately misleading
6 statements under penalty of perjury (~13):
7 "The reference in the October 14, 2004 conditions letter to a Uniform

Loan Application (1003), does not mean that Ms Samaan had to provide a
new loan application"
8
9 Again, McLaurin fraudulently states that what the statement states is not what the
10 statement states.
11 20. McLaurin concludes her fraudulent declaration with several final false and deliberately
12 misleading statements in the fmal paragraph (~15):
13 "Ms Samaan's loans were finally approved by the branch on October 25,
2004, and by our corporate office on October 29, 2004"
14
This is a doubly false and deliberately misleading statement The branch never
15
approved the loans on October 25, 2004, and the corporate office never approved the loans
16
on Oct 29, 2004. In fact, on October 25, 2004 McLaurin just issued an order for the required
17
Appraisal Review, which was to arrive on Nov 3, 2004, and also on Oct 25,2004 she issued
18
her Oct 25, 2004 Exception Request, replete with false and deliberately misleading data to
19
Mr Gadi. And Mr Gadi in his Oct 29,2004 reply explicitly stated that his reply was not an
20
approval. However, as noted above, McLaurin's declaration, under penalty of perjury,
21
routinely states that statements are the opposite of what such statements state.
22
III
23
Dated: April 14th , 2008
24
Respectfully submitted.
25
) .. ~
26
27 JOSEPH ZERNIK
Plaintiff
28 in proper
-13-
Notice #3
Exhibits Volume B
B-302
Filed 0..... . 1/2008 Page 14 of 50
1
STATEMENT OF VERIFICATION OF NOTICE OF
2
MCLAURIN'S FRAUDULENT DECLARATIONS
3 &
MISIDENTIFICATIONIMISREPRESENATION OF DOCUMENTS
4
5 (SC087400) matter heard in Los Angeles Superior Court, West District, I am also Appellant
6 in Zernik v Los Angeles Superior Court: (B203063), and also Plaintiff in Zernik v Connor et
7 al (CV 08-01550) matter heard in the United States District Court, Los Angeles, California.
8
I have read the foregoing Notice ofMcLaurin's Fraudulent Declarations &
9 Misidentijication/Misrepresenation ofDocuments and I know the content thereof to be
10 true and correct. It is correct based on my own personal knowledge as the one who was
11 personally involved in review of Countrywide's Sasmaan's underwriting documents, the
12 Meet and Confer with Attorneys Shatz and Boock, and the one who talked directly with
13
McLaurin and with Frazier about events surrounding the underwriting of Samaan' s loans in
14 2004 and the production of the loan documents in 2006. I make this declaration that the
15 foregoing is true and correct under penalty of peljury pursuant to the laws of California and
16 the United States.
17
Executed here in Los Angeles, County of Los An~eles. California, on this 14 day in
th
18
19
April, 2008.
).~ ~
20 Joseph Zernik
21 Plaintiff
in proper
22
23
24
25
26
27
28
-14-
NOTICE OF FRAUDutENT DECLARATIONS OF MARIA MCLAURIN, BRANCH MANAGER, COUNTRYWIDE
Notice #3
Exhibits Volume B
B-303
Case 2:08-cv-0155" AP-CW Document 38 Filed OL,. . 1/2008 Page 15 of 50
1 LIST OF EXHIBITS
2
Exhibit A Nov 6, 2006 McLaurin Letter and Attached Document
3
ExhibitB May 23, 2007 McLaurin Declaration and Attached Document
4
5 Exhibit C Aug 3,2007 McLaurin Declaration and Attached Document
6
ExhibitD Nov 3-6, 2006 Correspondence of Jae Arre Lloyd (Samaan's husband),
7 Mohammad Keshavarzi (Samaan's Counsel), and Victor Parks (Samaan's
Loan Broker)
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
NOTICE OF FRAUDULENT DECLARATIONS OF MAlliA MCLAURIN, BRANCH MANAGER, COUNTRYWIDE
Notice #3
Exhibits Volume B
B-304
Case 2:08-cv-0155\. AP-CW Document 38
Filed 04. . 12008 Page 16 of 50
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
EXHIBIT A
28
-2-
Notice #3
Exhibits Volume B
B-305
Case 2:08-cv-0155l AP-CW Document 38 Filed 04.. ( 12008 Page 17 of 50
1 SUPPLEMENTAI. DECLARATION OF VICTOR PARKS
2 I, Victor Parks, state and declare as follows:
3
4 1. I am a Senior Loan Consultant with Pacific Mortgage Loan
5 Consultants. 1 submit this declaration in support ofNivie Samaan's Sur-Reply to
6 defendant Jospeh Zemik's ("Zernik") Motion to Expunge Lis Pendens. I have personal
7 knowledge of the facts set forth berein, which are known by me to be true and corre¢t, and
8 if called as a witness, I could and would competently testify thereto.
9
2. Attached hereto as Exhibit 27 is a true and correct copy of the
10
Purchase Agreement that Mara Escrow me on October 22, 2004. The fax line on the top of
11
the doouments shows that Mara Escrow sent it on October 22, 2004, at 3:42 p.m. This
12
document was not signed or initialed by the defendanL
13
14 3. Attached hereto as Exhibit 28, is a true and correct copy of a letter I
15 received from Countrywide Home Loans. Inc., dated November 6, 2006, confJnning that
16 on or around October 14.2004, Countrywide suspended the processing of Ms. Samaan's
17 loan because they had not yet received Q copy of the fully executed Purchase Agreement.
18 This letter is accompanied by the actual Notice of Suspension that Countrywide sent me in
19 October 2004.
20
21 I declare under penalty of perjury under the laws of the State of California
22 that the foregoing is true and coneeL

23
Executed on November 6. 2006 at San Diego. Califomia.
24
25
26
27 Victor Parks
28
VOLUME II; SAMMN V ZERNIK; page #484
Notice #3
Exhibits Volume B
B-306
Case 2:08-cv-0155, AP-CW Document 38 Filed 0,->. (12008 Page 18 of 50
~"'N R ..... ,'..... u COI\!'OI\ATF. C~",'rllll

7S0 LI~r'A.p.o STI\6~T~ ~un·u 1JO
SAN R ..... F'" 6'-. C:"'."OI<N'''' 94901
«tIS) 257·2700
l4 1'5) 259·0ti66 1' ..."
N ember 6. 2006
Vi r Parks
Pa ific Mortgage Consultants
Re Nivie Samaan
Property Bddress: 320 S Peck Dr
Th s is to confinn that CountryWide Home LoilIlS processed the above referenced

m rtgage application on or around October 14, 2004. The loan was Suspended pending
rc ipt of a copy of the fully executed purchase agreement. Attached is a copy of lhe
Ie r issued by CountryWide: Home LoartS.
VOLUME II; SAMAAN V ZERNIK; page #500
Notice #3
Exhibits Volume B
B-307
Case 2:08-cv-0155< AP-CW Document 38 Filed 04, ( 12008 Page 19 of 50
KXCHAEL JAHES O'Rlt~Y D~ PNCzrze

IIOA~ COIfllrn.TAllTS
no
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..
Notice #3
Exhibits Volume B
B-308
Case 2:08-cv-0155, AP-CW Document 38 Filed 0.... //2008 Page 20 of 50
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1~'9. 2 ot 2 lO'2'/200~ 10;'4'~21

• _cec~~·lI\Yl
_I'"
VOLUME 11: SAMMN V ZERNIK: page #502
Notice #3
Exhibits Volume B
B-309
Case 2:08-cv-0155" AP-CW Document 38 Filed 04. . /2008 Page 21 of 50
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
EXHIBITB
28
-3-
Notice #3
Exhibits Volume 8
8-310
AP-CW Document 38
-
Case 2:08-cv-015!h. Filed 04. '/2008 Page 22 of 50
Notice #3
Exhibits Volume 8
8-311
Case 2:08-cv-0155, .AP-CW Document 38
Filed 0".. 112008 Page 23 of 50
I DECLARATION OF MARlA McLAURIN
2 1. Maria McLaurin, declare as follows:

3
4 1. J 8m the brancb manager for the San Rafael branch ofCountrywide
S Home Loans, Inc. ("Countrywide''), the branch that processed the loans for which Nivie
6 Samaan applied to purchasc the property at issue in this case (designated as Counlr)'wide
7 Joan numbers 81737375 and 81737383). 1have personal knowledge of alJ facts set forth in
8 this declaration. and if caned as 8 witness could and would testify rompetently tbereto.
9
10 2. I reviewed CounlryWide'srecords concerning Joan numbers 81737375
11 and 81737383. Among other records, I reviewed copies ofCountrywide's loan origination
12 files, including the loan applications, underwriting documents and correspondence
13 concerning thesc loans. The records that I ""jew-cd arc maintained in the ordinary c:ourse
14 ofCountrywide's business. created at or near the time ofany ~cnts in question and stored
1S in the ordinary course ofCountrywide's business.
16
17 3. Based on my ~jew oftile records associated with these loans, I
18 know the following to be true ofmy own knowledge.
19
20 4. In mid-October 2004, Countrywide processed loan number 81737375
21 for Ms. Samaan's purchase of320 S. Peck Drive, in the City of Beverly Hills, California,
22 90212. The Joan was suspended. however. because Countrywide had not yet received a
23 copy of the fully executed purchase asreement. Attached hereto as Exhibit A is a true and
24 correct copy ofthe underwriting condition letter issued by Countrywide and settiog forth
25 th~ basis (or suspension ofMs. Sama~m's Joan. Based 00 the information she provided and
26 subject to any lat~r arising conditions, Ms. Samaan otherwise qualitied for the loans, and jf I
27 all underwriting and lender conditions were met, including the receipt of a tully executed i
28 purchase agreement, Countrywide would have processed the loans.
_1_ j
0714319285 2 DECLAIlAnON OF MARTA Md.AURIN
j
Notice #3
EXhibits Volume B
B-312
Filed 0<" . ,/2008 Page 24 of 50
......,.
.
1 S. Countrywide requires a fully executed purchase asreement (signed

2 and initialed on every page where applicable by both buyer und seller) before approving
3 and funding a purchase money Joan. A fuJJy executed purchase agreement enables
4 Countrywide to approve the appraisal ofthe property prior to approving 8 Joan, because
5 !he lermS of the purchase agreement may atfcc:t the value ofthe property. Countrywide
6 wiu not approve a Joan until it has reviewed and approved the appraisal on the property for
7 which the loan is being obtained.
8
9 I declare: under penalty of perjury ofthe laws ofthe State ofCalifornia that
10 the foregoing is true and COITeCt and that this Declaration is executed on May l1. 2007 in
Jl SttA t'/~{t.tI , Californi~
12
13 Jt/Yic-~'
MCI:AtiuN'
14
IS
16
17
18
19
20
2J
22
23
24
25
26
27
28
0714319286
JiiOi-We$'l·:IMMKI\40032ClZ67.1 OECLAAI\TION OF MARIA McLAURIN
Notice #3
Exhibits Volume 8
8-313
~.
Case 2:08-cv-015& AP-CW Document 38 Filed 0.... (12008 Page 25 of 50
Notice #3
Exhibits Volume B
B-314
Case 2:08-cv-015S\.
Ca se 2:08-cv-015S\. APAP-CW
-CW cument 3838 File
DoDocument 008 Page 26 0150
. 112112008
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Notice #3
Notice #3 Volume 8
EXhibits
EXhibits
8-31Volume
5 8
8-315
Case 2:08-cv-0155l> -CW
Ca se 2:08-cv-0155l> APAP-CW cum ent 3838 File
DoDocument .1/ 200 8
d 04'04'.1/2008
Filed Pag e 27 of 50
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Notice #3
Notice #3
Exhibits Volume B
Exhibits
B-31Volume
6 B
B-316
cument 3838 Filed 0,->, //2008 Page 28 of 50
Case 2:08-cv-0155\. AP-CW DoDocument
Case 2:08-cv-0155\. AP-CW Filed 0,->, //2008 Page 28 of 50
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27 EXHIBITC
EXHIBITC
28
28
-4--4-
lA MCLAURIN, BRA NCH MANAGER, COUNTRYWIDE
NOTICE OF FRAUDULENT DECLARAnONS
LEN T DEC OF OF
LAR AnO NS MARMCLAURIN,
MARlA BRANCH MANAGER, COUNTRYWIDE
NOT ICE OF FRA UDU
Notice #3
Notice #3
Exhibits Volume B
Exhibits
B-31Volume
7 B
B-317
Case 2:08-cv-0155\. AP-CW DoDocument
Ca se 2:08-cv-0155\. AP -CW cum ent 3838 File . ,/2
d 04,04,
Filed 008
. ,/2008 Pag e 29 of 50
Page 29 of 50
SUPPLEMENTAL CL,\RATTON OFM

DF:CL,\RATTON AR JA MC
OFMARJA LA( ;lUi 'I
MCLA(;lUi'I
SUP PLE ME NTA L DF:
2 1, 1,Mar
Maria McLuurin.
ia McL an: <is<isfollo
dcclan:
uurin. dccl ws:
follows:
2
3
3
::::.CaJif0rnia nran c!l of
4
4 l. l. 1 amthethebran
1 am branch monagcr
ch mon SanRafa
agcr forforthetheSan Rafa::::.CaJif0rnia nranc!l of
ch Nivic
5 I Cl)untr;<'wide Home Loans. Inc..th~ th~bran thatproc
ch that
branch essed the
processed theloan s for
loans forwhiwhich Nivic
5 I Cl)untr;<'wide Home Loans. Inc..
e. lkvc rly Ilills.
6 ISamaun appli(:J tI.l pun;ha~e lhl:Prop erly loca
Properly located 320S.S.Peck
ted atat320 PeckDrivDrive. lkvcrly Ilills.
6 ISamaun appli(:J tI.l pun;ha~e lhl:
bers 8J7: t 7375 and Rl":::7:lR:n.
7 i CaJiforni<l
i CaJiforni<l 90212
902 12 (Lhe"Pro
(Lhe rerr)''')(de~ignated asasloan
"Prorerr)''')(de~ignated loannum
numbers 8J7:t 7375 and Rl":::7:lR:n.
7
8 As pari of my jon responsibililies. see all10
oversee 3on.'\ com
all103on.'\ ing into
coming into~hc bran d: [rom
~hc brand: [rom
8 As pari of my jon responsibilil
ies. I Iover
d 011 ew ofrh c :oan f:1~. I !1,\\'c
9 registration through underwriting anefund
g ane ing. B3S~
funding. B3S~d 011mymyrevireview ofrhc :oan f:1~. I !1,\\'c
9 registration thro ugh underwritin
llecl as a wirncs;; could
10 pc::r:;onal knowledge of all factssctlo!'rh thisdecl
ssct lo!'r h inin this aration. nnd
declaration. nnd irca
ircallecl as a wirncs;; could
10 pc::r:;onal kno wle dge of all fact
II and wovld tes1if)' competently ther thereto.
eto.
II and wov ld tes1if)' competently
12
12
bers ~ 1737:; 75
131 reviewe::d
II revie ntrywide'.,; reco
Countrywide'.,;
we::d Cou recordsrds conl
conl,;l;;ming loan mim
,;l;;ming loan mimbers ~ 1737:; 75
131 orig,i:1;\lion
ewed copi of Coun
es of tryw iJ~' ~ loan
CountrywiJ~'~
J4 and 81733 73K3. records. J revi
Among l,llher records. reviewed copies loan orig,i:1;\lion
J4 and 817 73K3. Am ong l,llher
cPI:l:t"ming
corr~·spond..:ncc cPI:l:t"ming
documents, corr~·spond..:ncc
15 tiks. including the loan applications. underwriting documents,
ons. underwriting
15 tiks . including the loan applicati
,Olln Und~ r\\' rili ng.
('ou mr;' wid c TT,Olln
the ('oumr;'widc
16 these loans. applications and
Ms. Samaan's 104111 applications and the Und~r\\'riling.
16 these loans. Ms. Sam aan' s 104111
s. Tilt: reco rd::;
Im:n Tilt: record::; that
Samaan':; Im:ns. that I reviewed an:
17 Expert System ("CLUES") r;:pOft5 ft5 lor
lor Ms.
Ms. Samaan':; I reviewed an:
17 Expert System ("CLUES") r;:pO
or near
created <1\ or near the
busines.<;. created <1\ the time of
18 maintained in the ordinary course seof
ofCountry widc's busines.<;.
Countrywidc's time of
18 maintained in the ordinary cour
0: CoUn t~'\ VICC 'S
course0: CoUnt~'\VICC'S bll5im:,:,:;. bll5im :,:,:;.
19 any cven1.<; in question tmd stored edir.ir.the ordinarycourse
theordinary
19 any cven1.<; in que stio n tmd stor
I
20 ' I
20 I '
Autom~llcd
2\ j I Countrywide.
Countrywide.lib:
-:; lib:most
-:;
hasananAutom~llcd
It:nd.:rs.has
majorIt:nd.:rs.
mos tmajor
2\ j
forCOllntr;widc
stan dsfor
\ whichstands Lnar.
COllntr;widcLnar.
22 j Underwriting System. This ::;ys[cm cmisiscalkJ CLL1:S\ which
calk JCLL1:S
22 j Underwriting Sys tem . This ::;ys[
autmlHIl~ the
23 Undenvriting Expen SysLem). The primary purposesororCTCTJ,iES
primarypurposes J,iESrm: rm:[0[0autmlHIl~ the
23 Undenvriting Exp en SysLem). The
t:ndc rwriLt:rs
riskforfort:ndcrwriLt:rs. . IfCL Uf:$
24 underwriting procc:;~ and to help tvaJuatc
tvaJuatcanc dtlc::rmir.crisk
ancdtlc::rmir.c IfCLUf:$
24 underwriting procc:;~ and to help
i'Jndingare
b:fo rci'Jnding
stepsb:forc sUlislaclionofof
aresUlislaclion
' remainingsteps
25 "appmves" a )oal1. I;omc of the unl)' remaining
unl)
25 "app mve s" a )oal1. I;omc of the
<:lpplica11(
thethe<:lpplica11( /\driitil1fl<l1
s document!'./\driitil1fl<l1
26 underwriting fication(If(If
conuiliuns and verification s document!'.
26 underwriting con uiliu ns and veri
auto-approveby d by
27 condition:; ma.7' arise as the loan is isbeing g prnccsscd.If If
beinprnccsscd. <l loan is isnotnotauto-approved
<l loan
27 condition:; ma.7' arise as the loan
p"l)grammcd it criteria
credcriteria model. tho::
28 CLUES becau:-;t: t Couml-:-'widt's
it does r.ot meet Couml-:-'widt's p"l)grammcd credit model. tho::
28 CLUES becau:-;t: it does r.ot mee
II IoIolJ~.\\'''''7 '\lMt;. ".,x.:J~.Jb' I
IoIolJ~.\\'''''7 '\lMt; . ".,x.:J~.Jb'
I
-
- 1
1 - - .
. ,\o1i\RI.~ \WI.I\l!ltI!'J
:~ III I. ~)E':."RI\liON 01
Sl'r1'LEMEIII I. ~)E':."RI\liON 01 ,\o1i\RI.~
Sl'r1'LEME:~ \WI.I\l!ltI!'J
0721501714
0721501714
Notice #3
Notice #3 B
Exhibits Volume
B-31Volume
Exhibits 8 B
B-318
Case 2:08-cv-0155.. AP-CW Document 38 Filed 04, . (12008 Page 30 of 50
l~)an i~ lhen "Rt:!rerred," A Referral can occu:- for many reasons. including. for example.
2 lht: !o<Jn is oul:ikk of our gutc.kliru:::. tlr WI; need veri lIeation of addilional inf,)rn)atiOl~ from
) the borrower. The- loar. is "Referred" to an underwritcr who assesscs risk. Ifw~ dv reccive
4 1(J CLUES appruval or "acc~:)t:' the loan still must be reviewed by an underwriter. and (h~
I
S loan data must he validated. The automated svstcm sets forth rules and c:uidelines in
1 - -
6 I helping the undernTiters make :hcir decisions. When 11 loan is "RdCm.:d." il does not
7 mt:an that there arc problems with the loom <Jpplit.:atitm. Ralkr. the "Rel'erred" d¢signmion
8 simply means that the CLUES systelT. hclS relerred a loan application to a:l ~O(kr\Vrilcr t~~
9 '\Itlrify c~l1.ain information or obL.ain corporutc approval. 1: is not unl;(>mm,:m for <1 \c,an
10 application to be "Referred" by CU;l:S.
II
12 i 4. Fl.lr ~omc loans that involve a large amount ol'money, including \1~.
I, i Samaan's loan. oncc a loan is "Referrcd" bv CLUES. an underwriter will r~\'iew the
I~ ! application. will a8k !I)r any additioni:ll do:umcnt5 that may bl: necessary. and upon rcccipi
15 I of all addition:)l documents and sa~isfaclion of underwriting condilions and rcquir~lllt:nls,
16 will approve the lmm and will sene i: 10 the corpr.1I·a1e department for f:nal approval.
17 Loans for an amount tiT <";(lInhined amount 01' greater than one million dollar:; r~quire
18 corporate approval.
19
5. In mid-Ol:\t1ht:r ~()(}4. CLliES procc~~cd Ms. S~maan·:. loan:; ~nd
20
21 "Referred" Ihem to an underwritcr. Th.: I TV:CLlY (10:ln tC' \':llll':<(;Iln1'~ined loan 10
22 valuc) for Ms. Sarna<lll's loans rc(;uin::d (1n exception :lnd c()J'pornte :lpproV<l1. which \Val-
23 received or. Qctobt:f 29.2004. On October :4.2004, Counlrywide issued;l kller :>elLing
24 forth thl: conditions thill had tl) be salisfied before loan no. S 173i375 could bl,; ;jpprc.vcd.
25 AlLachcd herelo a~ Exhibit "C" is a true and correCI copy of the under....,.iting I,;vnaitiOlls
26 letter for loan no. 81737375. issued by Countrywide on October 14. 2004. Thi~ ietter
27 ,informed M~. Samaan's broker that "subject to the specifi~ condition:; li&ICd bcklW, we will
28 Ibe able to approve your loan submission.· '111is letter SCI forth 7 conditions that haow be
o
."1.
Notice #3
Exhibits Volume B
B-319
Case2:08-c
Case 2:08-cv-0155, AP-CW Docum
v-0155, AP-CW ent 38
Document 38 Filed04,
Filed 04, ,12008 Page3131ofof50
,12008 Page 50
satistied
satistie beforethe
d before theJoan
Joanwas
wasapprove d. asasindicate
approved. indicatedd p~' the iuc~
p~'the iuc~thal onthe
thalon theluI' lelior
luI'leli orIh.:
Ih.:
to"ititSlates
priorto"
ed prior Slates"Appro val". SceSceexh. ··C."
exh. ··C." p.p.
22 docume
document underthe
nt under theheading
heading"Requir
"Required "Approval".
33 SO
SOII17.
17. Thcre
Thcrearc additional
arcaddition conditions
al conditio hadtotobe
thathad
ns that salistiedprior
besalistied dr;lwing loan
thedr;lwing
priortotothe loan oror
d()CUm~nls
44 d()CUm~ and funding
nls and funding of
oftl1e butthese
IOeln, but
tl1e IOeln, nor necessa
werenor
thesewere ry for
necessary approvall of
forapprova [he loan.
of[he loan.
all conditil )n~ are
conditil)n~ we proceed
mel. we
are mel. proceed 10 drawdocumc
10 draw nL,
SS Once
Once the loan isis approve
the loan approved, and after
d, and afterall documcnL"
66 ;and fund the

;and fund the loan.
1oan.
77
88 6.
6. On Octobe
On Octoberr 14. 2004. we
14. 2004. issued aa Icttc~
also issued
we also Icttc~ indicali ng th<ll
indicaling th<ll }\1:..
}\1:..
Samaan'~ pendin{; ::Hlli~lil

cd. pendin{; Clion of
::Hlli~lilClion three conditj~ll
of three l:;.
conditj~lll:;.
99 Samaan Joan /l0.
'~ Joan /l0. 81737375
817373 had been
75 had been !1uspcnd
!1uspcndcd.
10 This
10 This Icttcr
Icttcr is attached as Exhibit "X' to my plioI' declarat
is attached declaration. May 27.
ion. datcd May Two of
2007. Two
27. 2007. of
II thethe three
three conditio
conditions pctUlincdd to corpora te ;.lpprlw.\
corporate 1 and
;.lpprlw.\1 pricing CNn:\:li
and pricing CNn:\:lion.on.
II ns were inlernaL pctUlinc
ii
12/ and
12/ and reqUire
reqUired Samaan.. The third conditio
d nothing further 1rom i\lb. Samaan condition n rl'quircd receipt of
the receipt
rl'quircd the of
13 fully-ex ecuted pu:,chas.:
13 .. aa ftllly-e.'{eeutcd
ftllly-e.'{eeutcd purchase
purchas e agreement.
agreeme nt. We did nol receive the fully-executed pu:,chas.:
14 11l11il OCLober suspens ion ,vas notlil'tt.:d

OCLober 25, 2004. so the suspension thaI
until thaI
notlil'tt.:d until date.
date.
14 agrecmcm
agrecm cm 11l11il
IS
IS
a~
c.anJchcd a~
In
In :. PCI' the
PCI' the Oclt1her
Oclt1her 14,
14, 2004 conditio n leILa
undt:T\NTiting condition
2004 undt:T\NTiting leILa c.anJchcd
loan :10.
bcfon: loan R1737175 wa;;
1737175 wa;;
17 Exhibit
17 Exhibit "C,") there wer~
"C,") there wer~ 77 conditions
conditions that had to
that had satbl'icd bcfon:
be satbl'icd
to be :10. R
18 these condilion~
condilion~were were the
that were
items that resrons ibility (If
the resronsibility
18 approved.
approved. Two
Two of
(If
ofthese were :ntcrnal
:ntcrnal items
19 These wel~ Codes 138

wel~ Codes 138 and
and 139: ~ign:lUlres for
addition al ~ign:lUlres
139: additional for Ihe loan and
Ihe loan Ihe
and Ihe
19 CountryWide.
CountryWide. These
20 ii
20 addit:on
addit:on or or.75%
.75% to the I~t:
to the I~t: on
on the top oflht:
the top loan, Sec
oflht: loan, Exhibit "C:'
Sec Exhibit Sui Ii.
"C:' (1.(1. Sui nth~r
The nth~r
Ii. The
had10
borrcm::r had Ocrr>ber 25.
By Ocrr>ber
satis::v. By 25. 200'1. IV/s.
200'1. IV/s.
21 'fi
21 'fi........ee conditions were,ho~t:
conditio ns were the borrcm::r
that the
,ho~t:that 10 satis::v.
22
22 ! !Samaan
Samaansatisfiell
satisfiel lall
all ofthese
oftheseconditions.
conditio ns.
23
23
24 8.8. .By
.ByOctober
October25.
25.2004.
2004.M:;. hadprovided
Samaanhad
M:;.Samaan with
Country widewith
provide dCountrywide
24
X17373 75.including
no.X1737375.
10<:11no. fully
includingaafully
25
25 the thalthelITldClwriter
dOCllmcntsthalthe
thedOCllmcnts lITldClwriternceded appnwc10<:11
ncededtotoappnwc
bythe
aprrove dby underw riter
theunderwriter
26 cxccul~d
26 cxccul~dpurchase
purchas eagreement. Mi:.Stlma.lll'S
agreem ent. Mi:. 1<)3nSwcre
Stlma.lll'S1<)3nS wcrethenthenapproved
appro\'<l~. The
finalappro\'<l~. Thecorporate departm ent
corpora tedepartment
27
27 und :;ubm:lll:dtotou)e
und:;ubm:lll:d u)ecorporate
corpora tedl:partmenl
dl:partm enlforforfinal
28
28 approved
approve dMs, Samaan 's10a05
Ms,Samaan's 10a05ononOctober
Octobe r29. 2004,
29.2004,
072150171t
072150171t
#3#3
Notice
Notice
Exhibits
Exhibits VolumeB B
Volume
B-320
B-320
Case2:08-c
Case 2:08-cv-0155\. AP-CW Docum
v-0155\. AP-CW ent 38
Document 38 04,. ,/2008
Filed04,
Filed 32ofof50
Page32
. ,/2008 Page 50
9.9. I Ihave
havebeen
beeninforme d ofM:".
informed Zernik'sallegati
ofM:".Zernik's on that
allegation October14.
theOctober
thatthe 14.
22 2004. SU:;pC:llsj~m
2004.SU:;pC:ll h:tlc:rw~
sj~m h:tlc:r w~ i~:;ued
i~:;uedlin 26.20043nd
Ot.:tnht.:r26.2004
linOt.:tnht.:r "aninstrum
3ndisis"an ent
instrument oror
33 decepti
deception." Th~reisisIll\
on." Th~re merit[0[0Mr.
Ill\merit Zcmik'sallcgatil
Mr. Zcmik's allcgatil)ns. The!;u5pens
)ns. The ion lener
!;u5pension wasissued
lenerwas issued
onOctobe
44 on October 14.2004.
r 14. 2004. asas evidenc
evidenced bythe
ed by dateon
the date thesecond
on the Thedocume
page, The
secondpage, nt was
document was
55 printed
printed on OCloher
on OClohe r 26. ::!()O~. nol
26. ::!()O~. nol issued
issued onon that This suspens
date, This
that date, suspension !encrappears
ion !encr bc aa
appears toto bc
66 !!printour
printour from
from Cownry
Cownrywide':i COlTIpUH:r
wide':i COlTIpUH program and
:r program and to m,;,' knowk
to m,;,' knowkJgc accurate and
Jgc isis accurate and
valid. There
77 1,1,valid. There is
is no requin:mc:m
no requin:m thaI sUl.:h
c:m thaI Il.:ll~r:-; ~t:
sUl.:h Il.:ll~r:-; ~t: sh:nt.:t!
~
~
sh:nt.:t! bv
bv the L;ndcrw
.. the rilcr. The
L;ndcrwrilcr. fact that
The fact that
88 the document
the docume not sigm:d
is not
nt is dO~$ not
sigm:d dO~$ mean that
not mean that itit isis not val id.
not val id.
99
10
10 10. I hav~ AITe 1.loyd and
hav~ never met Ms. Sama<lIl or .Tae AITe do nor
and do nor know
know
p~rsonill1y. ing of Ms. Sal1laal 1'~ loan~

Sal1laal1'~ loan~ W,H to sign
W,H to sign 011'
11
11 them p~rsonil
them l1y. My involve ment in the process
involvement processing 011'
12 011
12 two conditio
011 two ns. which had been met: (1) wndilio
conditions. n.O:n. which \Vas
wndilion.O:n. Octoher 25.
melon Octoher
\Vas melon 25.
I
I
dbcrcp:.II1:::
for aa dbcrcp:.II1:::
explana tion for
acceptable explanation
13
13 11 2004
2004 and require d Ms. Samaull to provide an acceptable
and required
I
I
14) rO~l1d
rO~l1d reversc 4:
our reversc
in our ~;c;lrch;
4: 11 ~;c;lrch;
14) between
between her
her business
busines s address and the business address \\'C in
15 approv,)] of. 7 5~'ll [() he

corrora tc approv,)] Jdded to
he Jdded M~.
to M~.
15 ii .md
.md (2)
(2) condition
conditio n 138, which required corroratc
did :10t
which did
ct'nditio l1. which r('quire
:10t r('quire
16 Sumaan'~
16 Sumaan'~ ioan fces. The
ioan fces. The laner conditio n wm;
laner condition wm; an ir,tcrnai ct'nditiol1.
an ir,tcrnai
t;Ol1d:lions h:ld
thes.: t;Ol1d:lions !llC~ on
bccn !llC~
h:ld bccn October
on October
11jjall),thiug ar..klitiullal
all),thiug ar..klitiullal from
from Ms.Ms. Samaan.
Samaan . 13otr. of thes.:
13otr. of
olT ~)n condililll1S Il'

th:;s:: condililll1S
on th:;s:: ca.~c underwriting
Il' ca.~c underwr iting
1K
1K 25.
25. 2004,
2004, so signed olT
so II signed them. JJ signed
~)n them. oil'on
signed oil'
19 whieh isis nor uncomm on for

nor uncommon for aa hr:mch manage r lI.l
hr:mch manager do.
lI.l do.
19 supervisor
supervi sor Diane
Diane frazier's
frazier 's workload.
workloa d. whieh
20 These signl,'h
20 These signl,'h were ministe rial and
were ministerial and adminisu'ati\'c natu,C'.
in natu,C'.
adminis u'ati\'c in
21
21 I
I
II. The 14. ~004

Octl.'hc r 14.
The Octl.'hcr ~004 CLUES pr·(lvidcs. inin p(lrl.
reportpr·(lvidcs.
CLUESreport "Reduce d
that"Reduced
p(lrl. that
II.
!!
23 Documentations
23 notallovv'cd
Docume ntationsi:;i:;not allovv'cdon NlJn-Co nfurmin gMc£.a
on<l<lNlJn-Confurming Loa:~...
Mc£.aLoa:~ ...Thc max10:.111
Thcmax 10:.111
24 ii
I
I
amountisis$1.lJUU.UDll
24 amount $1.lJUU.UDllon
onthe
theNOll-CoM fix~dPeriod
ARMfix~d
NOll-CoMARM ...." This
Period...." notmean
docsnot
Thisdocs that
meanthat
onlymeans Ms.Samaan's
thatMs.
meansthat Samaan 'sloan was
loanwas
2) I Ms,
2) I Ms,Samaan
Samaanhad hadapplied
appliedfor
forthe wrongJoan.
thewrong Thisonly
Joan. This
~Htdili(\na!
26 I being addilil.1I1alreview
reviewand that~Htdili(\na!
andsosothat
26 transfer redhy
I beingtransferred hyCLUES fOiaddilil.1I1al
underlNriterfOi
CLUEStotoananunderlNriter
27 CLUESdocs
Stateme nlininCLUES docsl10t meanthat
l10tmean Ms,
thatMs,
27 information t;ouldbe
informa tiont;ould re'!ucslc C. This
bere'!ucslcC. ThisStatemenl
2828 Samaan's
Samaan 'sloan <lpplica tionwas
loan<lpplication wasinvalid.
invalid.
Notice#3#3
Notice
Exhibits
Exhibits VolumeB B
Volume
B-321
B-321
Case 2:08-cv-0155, AP-CW Document 38 Filed 0..... ,/2008 Page 33 of 50
12. 1 have been infomled of Mr. Zel"l1ik'~ allegation that M~. Samaan did
2 nOl have 6 months reSCTve required for the loan she applied for. 'n~js is incorrect.
:3 Countrywide verified that Ms. Samaan had more than 6 nwnths reserve ror he!' loar.. 'nli~
4 isrcflrctt:d on the CLUES repoTl1or Ms. Samaan"s ~ccond loan (no. 8!7373S3 J. \\'hich
5 provides that "the borrower currently has 6.R:! months reserves."
6
I The reference in th.: October 14.2004 conditions Icner to :'. Unirorm
7 13.
8 Loan Application (1003). does nol rn~an lhal Ms. Samaan had to provide a new loun
9 application. First, this was no~ a condition for approval of loan. htn only one fl)r (irawing
10 documents (as indicatcd by word "documents" under tne: heading" Requ:rcd prior w" aLlhe
II left of the condition on the second page or the October 14. 2004. Idt~r). Second. this
I
12 condition was only ministt:tia! and administrative. ami illmi) nlt:anl that Ms. Sammlll hud
-
13 )to sign additional documents alier approval of the loan.
,
L4
14. CLUES did not nag any pl'Clhlem~ with Ms S:1I11aan's marital staHls.
15
16 the information she had provided on her loan applicati()n regarding her employment. til.:
17 type oC business Ms. Samaan was engaged in Ill' the asset~ ofht.·r company Spellbound
18 Corporation.
19
10 / ',
"
21 If'
" ,
22 " ,
( I /
23 / ' I
1/
1'1
24 : III
25 / / ..
I
26 I :••/
27 ! I !
28
-5-
surrl.F.MF.NTAi. Ol:t' L:\j~\ TIOt' 'QF ~ll\ltll\ Me LAUR ir:::
0721501718 6
Notice #3
Exhibits Volume B
B-322
Case 2:08-cv-015S-. _AP-CW Document 38 Filed 0Lt-. . 112008 Page 34 of 50
I 15. M:i. Sl11'Tla.nn·~ loans w~rc tintltly <lpproved bv the branch on October
2125. 2004, and by our corporate offiee on OC(l)bc~ 29. 2004. BaS;d on Iny review or (he
I
3 I file. Ms. Samaan':<, loans eouid have been approved sooner and COllntrvwide could have
I .
I
4 staJ1ed the process or drawing the loan documents and funding the loans if Ms_ Samllan
5 had provided Countrywide wilh a fully excculed purchase <lgrccmcl1t by October 14.2004.
(j and her Joan had nOt heen suspended on ~hal dale. subject w any additional undc:rn-ri:ing
7 conditions. We l,;lluld not approve and fund the loans herorc October 25.2004. in part
K hecause we did not have a fully executed purchas~ agreement Based <'n (lUI' OCIO!1.:-r 25.
91I 2004 lmmch aoproval

.
and OClOher :2~. 2004 COl'p(lr~lt' npprnval. we could have J'undcc I\']s.
101 SalTIaan's 103ns by Novl:ll1bcr 1.2004.
11
J2 1 declare und\:1" penalty of perjury or the laws of the Stale of Californi\l lh:1l
]3 Ihe foregoing i:; true and corn:c[ and thal this DecJelT'llion is exccult:d un August 3 . ~O(l7
14 in ,)1, f<+st'l CA wI../l J .

15 (~!f~""'L-_-
-- , :\1ARJAMCLI-\lJRIN
16
17
J8
19
20
21
22
2.:1
25
26
27
281
I
Notice #3
Exhibits Volume B
B-323
Case 2:08-cv-0155, AP-CW Document 38 Filed O'-t, _112008 Page 35 of 50
Br'Anc:h. , ~ OOCC~))
_.
IIJokM'" I1]CHAEt. J.vaS O'UI:':'Y eM ' ....CIne
_.
,~O .L(NI)ARO STREET STE lIC
~ "'";CTOR P~S
~ ..... IVJ.tJ:L, CA ?4901
flo_
Phon.: 1"1~12~"-2101
VMf\.. (fl~J .... ·C;·HS
8< r ... ~O., l'U'Z5~-CHS
Faa_ ;041:;.491-43"
DlilliE fAA II tR ]OIl~/l004

~/" _#/'11. - \.,(1,
IN... to Inform you l!IeI )'OUt' loan 811bnt -.III the ....... 11..... '-_:
....,.,.. 8\ ']1')'5 eorn-.-, ...,.: SAHAAN:... ,,[ VI ~
~~~ 1.);.f":JO.OO ~ N:::: 5/1 LIDI' .i\iU't lnterestOnl)"
......... f'URCIlASJ: .. O.ER OCC\lprro. fl£Dl:CEO

so. 00
=:~ :C~=-~)"';-:'-."".o"'o'"""'.-=o--
LJV'
$WI ...... :,.,to
,1-..:b,ect ~o tn~ specifJ.C: CC!1du,ion3 l:t.~ted below, w~ ",~1l ~ .Ii.le l:J ...wroU'e
)'OlJr loan t'.lb':lia.~on. For- ,,]1 :lUblU!I:5LOA~. penchnCJ fu"",! "Fpco.... l. nQ ;~n~e
1n t.Re ooctOtfftC (~) U .. n4f)Cl.~ status or ell'<JJl~ym.ent clln occur, and the- c["cmt
QOCUlICnc.. dnd oppco ... .:t.l "ua~ r.,... ... " cu~.cc;nt.
':'0 6""01.<:1 ""'''.r''J."9 yo>vC .s\.lbftt.s:si.Dn clo.ed (or ,nc~pl.t~p~.,# .ny l't01'l3 LJ:u'f!l'!
below.e ·:A_qu.1C.d (In.o&' toO APPCO',al' Qt,j3f ~ t'.e~e\.v.O W'Lt.hu: 10 .:L1.ya 01 tl\e
~til:
:JOOwn .above,
APP.OVAL 01'11' 01': ~ _=nLH ~'LN'''TIOH lIIE~U'G _

A~~ept.bl • • •pl-lllWl.\Of'I IIIhy t,lu."n••• In U 1 r.vcc •• ta on L4:.1 s ....
A%.f,.d., :.. ....
Al'PJlIOVA:' opel: .l.J. OTHD CflND-:'7l0W l
Carp .pprcwd rorq·d foe (l'llS .1In.nclt'd proXiJl.·. . \01: ."1)' "4dt-G to
I ... , AllY condJ"t!.oroa. I)rov~da " eCllap1.e-t. coPt" p..Acbqa .. lonlj .... th
.tl eonaJ.t.J.o.1. L... ~r1pl1c.t.
hlPaavA.:. OrLH 1)9. OIHt_ CONDlt'lClof 2
ftlel", c.o 11M COtl:C~~~ tQ .l"I(hI .],5.\ d04 t:lo f~~ (01'" th~a e-nh..ncpd
,,"C".pC 101'1 prvq.....
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..,..C"Ll:y ,JOk Oft 4c;.ca.lt': ...1 •• crDW ~f ao"cce y.prlft!f'd
APPROYAL 0p~)I 14:l. OfltU C.acDITrQt,! "
P~.,i4ol' c_.,.L.'r: ••••eur:..." pureh.a... f;OI':~".C':. . . . . ec_ la"t ..I,I;:C1.0....
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1:' lO.O':I O~ ",.u ccrploy..o . _ 1outlOl\
.vPttCVJll. oPtJf 1 oI~. OTKtR C"otolDlTTQt •
.,. b\ .t_r. tUt-tOtlnG ro~ 1/.12 t.hl'\I '1I~ .. c. 'LIeu:
OOCVHDtTS oP.&» 00' . U.IU.U ..J.· ...ecCPTABu:: n~ uveo (TO :SUP'POft"J ~ _ _ ,
«<1:,-'«<' co..:t.U.lon l.n£o~LJ.OCl eOonl.ln.uC'a .A ..,l,,,..
eh-d ...ddond:J... :rlo .. »>~ ..
nvoNloIOO'N
.~~~~rfi;;" 50117
~ur~(1\
•• l' , • • , '
• •• D. t'" J') 7 S 4 . 0 0 G 2 C2. O·
Notice #3
Exhibits Volume B
B-324
Case2:08-c
2:08-cv-0155\. AP-CW
v-0155\. AP-CW ent 38
Document 38 04,. ,/2008
Case Docum Filed04,
Filed . ,/2008 Page 36ofof50
Page36 50
'-'
'-' '-"
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50118
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-------
---- --------
-----
#3#3
Notice
Notice
Exhibits
Exhibits VolumeB B
Volume
B-325
B-325
Case 2:08-cv-0155\. AP-CW Document 38 Filed 04, . ,/2008 Page 37 of 50
Notice #3
Exhibits Volume B
B-326
Case2:08-c
Case 2:08-cv-0155\. AP-CW Docum
v-0155\. AP-CW ent 38
Document 38 Filed0.....
Filed 38ofof50
Page38
,/2008 Page
0.....,/2008 50
11
22
33
44
55
66
77
88
99
10
10
11
11
12
12
13
13
14
14
15
15
16
16
17
17
18
18
19
19
20
20
21
21
22
22
23
23
24
24
2S
2S
26
26
2727
2828
EXH IBIT D
EXHIBITD
-5-
-5-
NOTICE OFMARIA MCLAURIN,BRANCH
MARIAMCLAURIN, COUNTRYWIDE
MANAGER,COUNTRYWIDE
BRANCHMANAGER,
NOTICEOF
OFFRAUDULENT
FRAUDULENTDECLARATIONS
DECLARATIONSOF
#3#3
Notice
Notice
Exhibits VolumeB B
Exhibits Volume
B-327
B-327
Case 2:08-cv-0155\. AP-CW Document 38 Filed 04, . //2008 Page 39 of 50
750 tindaro
Suite 110
AMERICA'S WHOLESALE LENDER~
Fax
To: From: Maria Mclaurin, Branch Manager
Time:
PhDnel: DatI!>: Ill(e/~

Re: FaxFruml (415) 259-0865
Pages: Phone: (415) 257-2703
o Urgent 0 For Review 0 Please Comment 0 Please Reply
• Comments:
Confidentiality Notice: The information contained in and transmitted with this communication Is stricUy
confidential, is intended only for the use of the intended recipient. and is the property of Countrywide
. Rilancial Corporation or its affiliates and subsidiaries. If you are not the intended reclpient, you are
hereby notified that any use of the information contained in or tlaflSmitted with the communication or
dissemination. distribution, or copying of this communication is strictly prohibited by Jaw. If you have
received this communication in error, please immediately notify the sender by email or telephone and
delete 1I1e original message or any copy of it in your possession. Thank You.
".
Notice #3
Exhibits Volume 8
8-328
Case2:08-c
Case 2:08-cv-0155l AP-CW Docum
v-0155l AP-CW ent 38
Document 38 Filed 04,.1/200
Filed04, 8
.1/2008 40ofof50
Page40
Page 50
II
IICountryvvide-
Countryvvide-
AMERIC A'SWHO LIlSAlE LENDElt.
AMERICA'SWHOLIlSAlE LENDElt.
SAN RAFAELCOI\.POR
SANRAFAEL ATl< CENTER
COI\.PORATl< CENTER
110
7SCLINDAI\.
7SC LINDAI\.O STI\.EET.SUITE
O STI\.EET. SUITE 110
SANRAFAEL
SAN RAFAEL. . CALlI'OR N'A 94901
CALlI'ORN'A 94901
(415) 257-270
(415) 0
257-2700
(415) 259-086
(415) 6 FAx
259-0866 FAx
November
November 6.6.2006
2006
Victor Parks
Victor Parks
Pacific Mortgage
Pacific Mortgag Consultants
e Consultants
Re: Nivie
Re: Nivie Samaan
Samaan
Loan Number 8173731 5
Property
Property address:
address: 320 S Peck Dr
Mr. Parks,
Mr. Parks,
Ibis
Ibis is
is to
to confirm
confirm that Countrywide
Countrywide Home Loans processed referenced
processed the above referenced
mortgage 14.2004. The loan was Suspend pending
ed pending
mortgage application
application on or around October 14.2004. Suspended
receipt of a copy of the fully executed e
purchase
executed purchas agreeme nt.
agreement. Attache
Attachedd is a copy of
of the
the
receipt of a copy
letter issued by Countrywide
Thank
Thank You,
You,
m~/J1<-)f~
m~/J1<-)f~
Maria
Maria McLaurin
McLaurin
Branch
BranchManager
Manager
#3#3
Notice
Notice
Exhibits
Exhibits VolumeB B
Volume
B-329
B-329
.,.~
.,.~
Case2:08-c
2:08-cv-0155L AP-CW Docum
v-0155L AP-CW ent 38
Case Document 38 04, ,/2008
Filed04,
Filed Page4141ofof50
,/2008 Page 50
----------~------~----_ .. _.-_._.-.
-- -- -~ -- -- _ .. _.-_._.-.
-- -- -- -- -- ~-
COU~ HOME LOANS, INC.

COU~ HOME LOANS, INC. t1ICIIA£I, O'REILLYDBA
Jl\1l£SO'REILLY
t1ICIIA£I,Jl\1l£S DBA tu:xrxc
tu:xrxc
I«lRTWlGtCOtl60X.TII
I«lRTWlGt NT$
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n"b I,I, 0000933
0000933 t ..;V.::I.::c:n>Il=:.:...:P..
Br_Conttct :l\llI<S::.::;=-
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,50 I>tIllOMOS=!ll
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SAN~JlEl.. CJI '4901
'4901 --
- -
(~15)257-2,01
thone, (~15)257 -2,01
thone,
""": _Full:
_Full:
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lI)'ouhllVllqtJOlllllmW&bout1tlI'IOllOl', pl_CbfItDct
qtJOlllllmW&bout1tlI'IOllOl', pl_CbfIt Dct uSuS atat tho pIlone n~r
thopIlone n~r above..
above..
lI)'ouhllVll
nuri>.r 8173'375
Lo"n nuri>.r 8173'375....
....a a bean r""ievet\ atat tho
bean r""ievet\ ~ u:rm..
!DI1o"1~
tho !DI1o"1 for IIIIV:U:
u:rm..for IIIIV:U: SMvV\lf:
SMvV\lf:
Lo"n
loan ~ llC:'/1 LDlll AlII( Zt>tenIOtOnJ., ~lyp"!
~lyp" ! 0_
0 _ OCCUr:!:P;O
OCCUr:!:P;O
loan ~ llC:'/1 LDlll AlII( Zt>tenIOtO nJ.,
n T~:
1lo<mlanll!tlon
1lo<mlanll!tlo T~: IUlDI)Clll>
IUlDI)Clll>
_Tn":" PtJJ\CJlA!lt: <:owlo:
RIok<:owlo:
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p"""",,-.:320 Ii FlICK Oil er.dls...-: 7Z3
7Z3
p"""",,-. :320 Ii FlICK Oil er.dls...-:
~ y HILloS, C/'>
C/'>
~ y HILloS, !xpiration
f,o"k !xpirat ion
80212-3115 f,o"k
80212-311 5 DZI;te~
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sn
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u..,_:
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t.-- M\llI
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1.374,400.00
1.374,40
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1.718.000
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80,00 // 90.00
80,00
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been .s\i~D untH tlul f"110"inq i.n-Io:ma\o
tlul f"110"inq ton is
i.n-Io:ma\oton is provi.<1e< l. we
provi.<1e<l. tIlDst r"""tv..
we tIlDst r"""tv..
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t.bi.. i1If".,.....t
t.bi.. by 10/25/20
ton by 10/25/2004. If ...
04. If ... do recdv" it
1\0'; recdv"
do 1\0'; it ~~ 1:11,,1: .... ~t
dat.., ....
1:11,,1: dat.., ~t "l.oa. Ue fUe
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tor !nD(nIIple1:oness.. When we z:ecc:ive. t.ht:
t.ht: l.on.
LnlotlR4t:l.on.
LnlotlR4t: we will.
will. rovi'O'.
rovi'O'. the
the t.:Lle
t.:Lle :tor
:tor lurthcu;
lurthcu;
tor !nD(nIIple1:oness.. When we z:ecc:ive.
detc~roin.oti.~.
detc~roin .oti.~.
too
t:ltl'p
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pe.c.kl19o al.Crm9
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eopy pe.c.kl19o
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.1..L CoRd1t.:lCf ). :1n t.rJ.pllo4te >
~b. enh.noed
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co.nt.'I'Ae:~, ....aerow 1J:uIt.;n~·e:t;.i.ons
aerow 1J:uIt.;n~·e:t;.i.ons
.cy~ c:oMpll:te .)l:1l'c;\11:.0!:I pUrc:haal
vi"lJ,. pO~ .:t.eJI . . .. 4lu\t=CLI:.U1;O
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Notice #3
Notice #3
Exhibits Volume B
Exhibits
B-331Volume B
B-331
Case 2:08-cv-0155, AP-CW d O~O~
.. 112 008 Page 43 of 50
Case 2:08-cv-0155, AP-CW DoDocument
cument 3838 File
Filed .. 112008 Page 43 of 50
"Moe Keshavarzl"
"Moe Keshavarzl" ToTomarill_mclaurln@counllyWide.com
marill_mclaurln@counllyWide.com
<MKeshavarzl@shappardmull
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in.com> cc cc
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1110612006 03:22 PM bee
bee
1110612006 03:22 PM
ect ~
SUbject
SUbj ~letter
letter
Maria,
Maria,
Attached please nnd thedecldeclaration andletter
letter. ld reall
I would y appr
really eciate your
appreciate
we are only asking
help.asas we are only asking
yourhelp.
aration and . I wou
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for the document to beauth tions plea se let me knOlN . If il is acce ptab le to
documen
theplease
foryOll t to be enticated. If Ifyou
authenticated. youhave anyques
haveany questions please let me knOlN. If il is acceptable to
sign and fax it to213-
213-443-2910.
443-2910. Than Thanks n.
again.
ks agai
yOll please sign and fax it to
«DOC.PDF»
«DO C.P DF»
Sheppard Mullin Richter & Hampton, LLP
pton, LLP
Sheppard Mullin Rich ter & Ham
333 South Hope Street, 48th Floor
Floo r
333 South Hope Street, 48th
Los Angeles, CA 9007 1-14 48
Direct LIne: 213-617-5544
Direct LIne: 213- 617- 5544
Fax: 213-443-2910
Fax: 213-443-2910
Email: mkeshavarzi@sheppardmullifl.com
mullifl.com
Email: mkeshavarzi@sheppard
tain inf o~t ion tha t is

This message is Ben law firm and may con
by aa law
Bentt by contain info~tion that is
This mes sage is thi ~tr ans mis sio n in erro r, plea se
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rece ived thi~transmission in error, please
priv ileg ed or con fide ntia l. I~ and any atta chm ents .
mes sage and any attachments.
notify the sender by by replY.e-mail
repl Y.e -ma il and delete
del ete the message
Sbeppard,
sen der Richter
not ify theMul~in. ~ Hampton LLP
d, Mul~in. Ric hte r ~ Ham
pton LLP
Sbe ppar
please ~ our website DOC-PDF

com DOC-PDF
www .she ppar cllll uJ.li n. com
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~
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Notice #3
Notice #3
Exhibits Volume B
Exhibits
B-33Volume
2 B
B-332
Case 2:08-cv-0155,- _AP-CW Document 38 Filed O~, .//2008 Page 44 of 50
DECLARATION OF MARIA McLAURIN

2 I, Maria McLaurin, state and declare as follows:
3
4 1. I am the br,anch manager for the San Rafael branch of Cou~trywide
5 Home Loans, Inc., the'branch that processed Ms. Samaan's loan (loan number 81737375).
6 In or around October 14,2004, Countrywide suspended Ms. Samaan's loan because
7 Cpuntrywide had not yet received a copy of the fully executed purchase agreement
8 Attached hereto as Exhibit 30 is a true and correct copy ofthe letter that Countrywide sent
~ to Ms. Samaan's broker, Victor Parks.
10
11 I .I declare under penalty ofperjury under the Jaws of the State of California
13
14 Executed on November 6,2006 at San Rafael, California.
~--
15
16
17
Maria McLaurin
18
19
20
21
22
23
24
25
26
I
27
28
-1-
II
W01·WEST:IMMKJ\400IIH5;.1 DECLARATION OF MARIA MCLAURIN I
~
Notice #3
Exhibits Volume B
B-333
_r"--'
Case 2:08-cv-0155\. _AP~CW Document 38 Filed Ol.t, .1/2008 Page 45 of 50
11/06/2006 12:56 FAl 213830208~ ~OOl
-SHEPPARD MllilJIN
5H;:PP;,::m }.'l,,;lll'J ~I\rm.;:;' b; t1t,w111 Of': l.t.t'
4111h Floor I 333 $OUUl Hope Strel:l I Los Angeles. CA 90071.11148
213-620-1780 ~ I 21:H>20-1398 r",,( I WWrr~hcppart/mul/in.oom
ATTORNEYS A1 I.AW
FACSIMILE COVER SHEET

.* THlS FJl.CSIMTEE TRANSMISSION WILL NOTBE MAILED ....
Date: November 6, 2006 File Number. 0100-092162
Total numlxlr of pages:

(including I-pago cover sheet) .
r--:-l
~
an
If p~ arc not ~eived)please cil1
David Zasloff at 213-62()...1780t Ext. 4507
I2l Facsimlle No. Telephone No.

Maria McLaurin (Sn) 812-5397
From:' Moe Keshavarzi

Re: Samltllll v. Zernik.
MESSAGE: Jf)'Qu have 3Ily questions, please call me.
lOT SE!OfTH~
I IS PRIVI D NFIDCIVTlAL AN PT •
MESSAB IS NOT THE IH'TENOSl RECIPIENT. O!'l THE EM?l.OYEE NSlBLE FOR OeLlVI;;RING THE ~ TO TIiE INTENOED
RECIPIENt". YOU ArdC HmEBY N011FII:O THAT fIN( DlaSEMlNATlON, DISTRIBUTION OF! coPYING OF THIS COWUNICATION IS STRICTLY
PRO~ IF YOU HAVJ; R5CeIVEI:I THI~ C:OMa.wNICATION I'" EiRROR. PLEASE NOTlFY us IWolrnlATELY BY TELEPHON£ AND RETURN THE
ORlGlNAl.MESSAlE TO USATTHEABOVEADORE'SS VIA THE u.s,
POSTAl-SERVICE. TI-fANKYOU.
QS31 007025J1ST:1MMK1\400lliM4.1
Notice #3
Exhibits Volume B
B-334
Case 2:08-cv-0155\. AP-CW Document 38 Filed 04. _(12008 Page 46 of 50
11/06/20a6 12:56 FAX 2138302083 ~002
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J'-"'"
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2:08-cv-015£>.. . AP-CW Docum
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Document 38 Ol.t,. //2008
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Page48 50
•JaeArre
•Jae Arre'J.A.'
'J.A.'Uoyd"
Uoyd" To "MarlaMcLaurin
To "Marla " <Maria_M
McLaurin" claurin@Countrywide.com>
<Maria_Mclaurin@Countrywide.com>
<jrlloyd@SbcglobCJI.net>
<jrlloyd@SbcglobCJI.net> cccc
111031200603:21
111031200603:21 PMPM
bee
bee
Subject 6~Suspense
Subject 6~ fromCountryw
Suspensefrom ide
Countrywide
Mal:ia.
Hi Mal:ia.
Hi
Here is
is the suspe~se
the suspe~ igs~ed by
by Country wide. Again,
Countrywide. we just
Again, we need aa s"ateme
just need r.t or
s"atemer.t or
Here se igs~ed
guideline showing that the FUlly Executed
Execut ed Purchas e
Purchase Agreem ent
Agreement is
is require d
required by
by
guideli ne showing that the FUlly
Countrywlde
Country for Final
wlde for Loan Approv
Final Loan Approval.
al.
Thank you.
Thank you.
J.R. Lloyd
J.R. Lloyd ~or V~ctor
~or V~ctor Parks
Parks
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#3#3
Notice
Notice
Exhibits
Exhibits VolumeB B
Volume
B-337
B-337
Case 05-90374 Document 260-9 Filed in TXSB on 05/08/09
..-....
..-.... Page 24 of 35
Case2:08-c
2:08-cv-0155\.. AP-CW
v-0155\.. AP-CW ent 38
Document
Docum 38 Filed 0,->,. 1/2008
Filed0,->,
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Volume
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Case 2:08-cv-0155\. AP-CW
v-0155\. AP-C W Docum
--
Case2:08-c ent 38
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#3#3
Notice
Notice
Exhibits Volume B
Exhibits Volume B
B·339
B·339
..- 260-9 Filed in TXSB on 05/08/09 Page 26 of 35
,.
Case 2:08-cv-015&~ ,AP-CW Document 38-2 Filed ",,17/2008 Page 1 of 7
(.h\O~)NOV 6 2006 17:5?/ST. !?:57/NO. 6334B70015 P 1
750 '~ro
Sui~ 110
AMERICA'S WHOLESALE LENDER. I

j
I
I
iI
flO< "no.... (41$) 259-0005
P'-'oat (415)257-2703
j
i
I
I
I
!'
entialitY Notice: The lnfOrmatlon contalnfJd in all(J 1JaIlSmitled with lhi$ communic:allon 1& 6lrictIy I
ootial, is n.ended only for the U$& or Iha Intended rec:ipient, and is the property of COUnuywlde
ncIat Corporation or its affiiateS and subsidiaries. If you are not the intended recipient, you ere
'by notified thaI any use of the Infoll'l1a1ion contained in or ttBnsmitted with It'le oommunication or
, mination. dtstrfbutlon, Of copying or this communication it ~Iy prohibited by law. If you have
'. 1his communication in error, please immediately notify the &ender by email or telePhOne and
me original message or sny copy of illn your possession. Thank You.
Notice #3
Exhibits Volume B
B-340
Case 2:08-cv-0155\. ~AP-CW Document 38-2 Filed \. of 17/2008 Page 2 of 7
FROM COUNTRYWI~E HOME lOA~S ~'5-25g-0g65 (MON) NOV 5 ~oo~ 17:57/S1. 17:57/NO, 633487~D15 P 2
AMERICA'S WHOUSALE LENDER
!':.... ", R I:I.. COIl.I'OI\A-n: erN'MlR

750 LlNiC' 1\.O ST't\6J:T. $l.wrs 110
SAN R,"' ....jIIl.ISJ.,.t CAI~lF(,)M::NIA" 94901
(41S) 2S1.2.700
(415) 2551-0566 PAX
!
I
i
v· I rParks
p ~fic Mortgage ConsultanlS I
I
R.e Nivie Samaan f

I Loan Number 81737375 I
~ Property address: 320 S Peck Dr
! . Bevt:tl)' Hills. CA 90212
'Parks,
i
Th ~ is to continn that Counnywide Home Loan~ process«! the Ilbow: referenced
m I application on or around October 14, 2004. The loan was Suspende<! p:nding
ipt of a copy of the fully executed putehase agreement. Attached is a copy ofthe
issued.by CountryWide Home Loans.
Notice #3
Exhibits Volume B
B-341
Case 2:08-cv-015!:J, J AP-CW Document 38-2 Filed" </17/2008 Page 3 of 7
750 Lindaro
sutte 110
AMERICA'S WHOLESALE LENDER'lIl
Fax
To: 0"'os~h Zun.~GIz. From; Marla Mclaurin, Branch Manager
Fax: (rO!) qqy.. 09/7 Trme:
PlIone: Date:
Re: Fwc: from: (415) 259-0865
Pages; PhoDe: (415) 257-2703
o Urgent 0 For Review 0 Please Comment 0 Please R.eply
• Comments:
C ~U-.ntViLv/~lc..
/;J~ jt;. Sen~.
/
Confidentiality Notice: The information contained in and transmitted with this communication Is strictly
confidential, is intended only for the use of the intended recipient, and is the property of Counbywide
subsidiaries. If you are not the intended recipien~ you are
Financial Corporation or its affiliates and SUbsidiaries.
hereby notified !hat any use of the infollTlaiion contained in or transmitted with the communication or
dissemination. distribution, or copying of this communication is strictly prohibited by law. If you have
received this communication in enor, please immediately notify the sender by email or telephone and
Notice #3
Exhibits Volume B
B-342
Document 38-2 Filed" </17/2008 Page 4 of 7
Case 2:08-cv-015b~ .: AP-CW
750 Llndaro
Sufle 110
Fax
To: ;Ioseeh Zun:c.Jz. From: Maria McLaurin, Branch Manager
Fax: &0 J) qqf ~ 09/7 Time:
Date:
Re: Fax From: (415) 259-0865
Pages: Pbon~ (415)257-2703
o Urgent 0 For Review 0 Please Commem 0 Please Reply
• Comments:
C 4l)..nt-
4l)..n-l-r ywid.c..
{;J~ Jo. SeI1;!-'.
Confidentiality Notice: The information contained in and transmitted with this communication is strictly
confidential, is intended only for the use of the intended recipient, and is tne property of Countrywide
Financial Corporation or its affiriates and subsidiaries. If you are not the inlended recipient, you are
hereby notified that any use of the information contained in or transmitted with the communication or
dissemination, distnbution, or copying of this communication Is strictly prohibited by law. If you have
received this communk:ation in error, please immediately notify the sender by email or telephone and
delete the original message or any copy of It in your possession. Thank You.
Notice #3
Exhibits Volume B
B-343
.,~,
Case 2:08-cv-015b,- ,AP-CW Document 38-2 Filed v 1"/17/2008 Page 5 of 7
Counbywide~
AMERICA'S WHOlESALE LENDER-
NOTICE TO PROCESS SERVE.RS
A. Service on Countrywide and its Subsidiaries .
Countrywide's corporate headquarters is located at:
4500 Park Granada Boulevard

Calabasas, California 91302
Countrywide's Legal Department Litigation In-Take Unit is located at:
5220 Las Virgenes Road

Mail Stop: AC-IlB
Countrywide's registered agent for service of process in every state is

esc The United States Corporation Company, formerly known as The
Prentice-Hall Corporation System, Inc. The address of the esc office
in your state may be obtained through the Secretary of State's office.
You may serve legal papers directed to Countrywide and its subsidiaries
at these locations. If you wish to inquire about any service issues,
please contact the Countrywide Legal Department at:
(800) 669-6094.
B. Service on Countrywide Employees
COlUltrywide is not authorized to accept personal service on behalf of

any of its employees.
If you appear at an employee's place of work, the guard or receptionist

will try to contact the employee to inform him or her of the attempted
service. It is solely within the discretion of the employee whether to
come to the lobby to accept personal service.
Notice #3
Exhibits Volume B
B-344
...• 260-9 Filed in TXSB on 05/08/09 Page 31 of 35
~
Case 2:08-cv-015o,- • AP-CW Document 38-2 Filed ~ tl17/2008 Page 6 of 7
NAME. ADDRESS AND TELEPHONE NUMBER OF ATIORNEY(S)

JOSEPH ZERNIK
T: 310 435-9107 F: 801 998-0917 E:jzI2345@earthlink..net

PLAINTIFF(S). 08-CV-OI 55O-VAP-CW

v.
PROOFOFSER~CE-ACKNOWLEDGMENT
DEFENDANT(S).
OF SERVICE
1. the undersigned. certify and declare that I am over the age of 18 years, employed in the County of
Los Angeles, • State of California, and not a
party to the above-entitled cause. On APRIL 15 , 20 08 , I served a true copy of
PlaintiffZemik's Notice of Maria McLaurin's Fraudulent Declaration, Predicated Acts per RICO
by personally delivering it to the person (s) indicated below in the manner as provided in FRCivP 5(b): by
depositing it in the United States Mail in a sealed envelope with the postage thereon fully prepaid to the follOWing:
Place of Mailing:
Executed on • c.
E ,20 08 at , California
California.
o I hereby certify that I am employed in the office of a member of the Bar of this Court at whose direction the
service was made.
[0 I hereby certify under the penalty of perjury that the foregoing is true and corre .
Person Making Service

JYt. C JJ r #1'}-/ JJ
ACKNOWLEDGEMENT OF SER~CE
I. , received a true copy of the within document on '
CV-40 (01/00) PROOF OF SERVICE· ACKNOWLEDGMENT OF SERVICE
Notice #3
Exhibits Volume B
B-345
Case 2:08-cv-015o,- ,AP-CW Document 38-2 Filed,", d17/2008 Page 7 of 7
Sarah L Overton
Suite 700
Riverside, CA 92501
951-276-4420
John W Patton, Jr
1875 Century Park E
Suite 2200
310-553-1500
Michael L Wachtel)
Buchalter Nemer PC
213-891-5761
John Amberg
Bryan Cave, LLP
Tel (3101 576-2100
Fax (3101 576·2200
Notice #3
Exhibits Volume B
B-346
..- 260-9 Filed in TXSB on 05/08/09 Page 33 of 35
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26 Exhibit B(5)
27
28

Case # 05-90374
Notice #3
Exhibits Volume B
B-347
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
EXHIBIT B(s)a
22
23
July 6, 2007 ex parte for
24 protective/gag order in a
~: "dark court room"
27
28

Case # 05-90374
I
" /.
I'
'I
i
,
, {,~,{C,-, I -
/C ~
~anford Shatz (C\ ~tatl: Bar \:0. 12 7 229)

Todd ,\. Boock (C\ State Bar :\0.181(33)
2
S221l1 ,a~ Yirgencs RO·,ld. 7\b: .\C-Il
3 Calabasas. California ()1.)I,2
Telephone: (X IX) i·e I-W()2
j' acsimik: (H 1H) H-I--f()m
5 BRY,\!'\ C\\'j·: IJ.P

6 ,John \". ,\mbcrg (C\ ~tate Bar No. J()i)l()(»)
Keith D. (,kin (C \ State Bar No.1 1-\4H46)
7 .Il'11na :-.rold;l\\'ky (C \ State Bar No. .24(>109)
1.2IJ Broadw;\\. Suite ,")1)1)
Santa .\lonic;i, California ()IJ4()I-2.1H()
Telephone: (31l1) 5 7 ()-2}(1n
J-acsimile: (110) S-()-22(1{J
10 Attorneys for Countr:widc Ilome Loans, Inc.
11
SUPJ']~I()R COUR']' OF THI', Sr\TI'~ OF C\J.lH )]C\! L\
12
H.m TIll': COUNTY (W 1.0,:' ,\NCI·:JJ~S. WI·:ST DISTRICI
I .'"
14 ~I\'[J': S \.\1\ \l\,', et aI., ) Case No.: SO)~.p4(J(1

)
15
Plmntiffs, ) Han. .I aCl]ucline .\. Connor
16 )
) l'ik Date: October.2:1, =~( II J5
17 ) Trial Dare: September -. =~l)l r
JOSEPH /.ERNIK, et al.. )
18
) EX V·11{7·!; .\PPLIC \'1 [OJ'( H lR
19 Defendants. ) PROTI':CT[\'I': ()ltD] ':R:
) \IE~I()R.\:'\JDL'r-1 ()(- j I O(0!'l'S \ND
20 ) -\UTHORITfFS; DLU .. \lt\ t'lON 01;
) TODD ,\. BOOCK: l)LCL\~_\nCN 01'
21
) IENN.-\ :".IOLD -\ \\'Sf,Y; IPRO]J()SL':DI
22 ) ORDER THLREON
)
23 ) Date: .I uh' (>, 2U07
Time: 9:l1() a.m.
24
Dcpt: \,'1]
25
26
27
28
(,-l?d -~.j ___ 1

EX P,·lRTE .-\PPLIC-\TION FOR A PROTECTI\,E OIU~~~t:~OIU~~---
8·348 ,'\
TABLE OF CONTENTS
2 Pag
-"' 1. INTRODLfC'TION , 4
4
II. FACTUAL BACKGROUND 5
5
A. Zernik's Communications with Represented Countt)wide Empltlyce.5 5
6
13. Zcrnik' s Communications with Personal Associates of Countl}'\\"id~
7
Enlployees , , 7
8
C. Zernik Continues His Harassment By Attempting to File an Am(~llded
9 Cross-Complaint Against Countrywide and Its Employees 8
10 III. THE COURT HAS BROAD AUTHORITY TO GRANT A PROTECl IV1~
II ORDER TO REGULATE DrSCOVERY PRACTICE AND PROCEDI IRE 9
12 IV. CONCLIJSI()N 11
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
(,~., I">'5 I. . . _
EX P·lRTE :\PPLJC:\TION FOR:\ PROTECTI\,E ()Rt'41~#3v I

H-'Exhi~hs 0 ume
B
B·349
TABLE OF AUTHORITIES
2 Pag
3
hmthill Prupertle:; \'. ].yon/Copley Corona .\ssOCl:ltes,

4(1 Cal. .\pp. 4th 1.542 (2(101) 10
5
J'uller \'. ~uperior Court,
6 p,-;, Cal. .\ pr. 4th 2lJlJ (2fH\ 1) 9
7 (;'1', Inc. Y. The SuperIor Court of Santa Cruz,

151 Cal. .\pp..')0 -:- 4H (19H4) 9
8
.lar1'ls \'. ~uperi()r Court,
9 ,) Cal. \pp. 4th (>(ll (19()2) , 9
R.S. Creatl\'{\ Inc. \'. Crean\"{' Cotton, Ltd.,
10
75 Cal. .\rr. 4th 4HC> (19 1)(») ' 9
II Ryan Superil >1' (:( HlI't,
Y.
lR6 Cal. .\pp. 2<1 HI.) (1960) 9

12
Toshiba. \merica Llectronic Components. Inc. \'. ~]Jrenor Court,
13 124 Cal. \pp. 4th "1(>] (20(14) 9
14 Statu}cs
Cal. Coue Ci\. Proc.:' 2l1.1I.(lW0);, ' 9
15
16
17
18
19
20
21
22
23
24
25
26
27
28
""ll-+"-'. >!. !.17Lc»o!-' ~_--"'11 _
EX PARTE .-\PPLIC\TIO:,\ F(-)R.-\ PROTECTIYE ORI~~~~t~~lume8

8-350
TO :\LL P.\RT1ES .\ND THEIR .\TTORNEYS OF RECORD:
! PLE.\SE T.\KE 1\OT1C£ that on.luly (', 2UO- at ():(H; a.m., or a:' ~oor rht~rea:~tcr as
3 the matter may be heard, in Department \\'EI of the f ,I)S ,\ngcles Supl'rior Curt. \'('e~t
4 District, located at \-25 \lain Street, Santa i\J.onica, California \II '-if 11, (:( )ulltrn\,ice 1-1 _)(11('
5 Loans, Inc. ("Countrywide"), a non-party who has complied \\ith defendants' Tpeated
6 di~c()\l'ry reLluesrs, will and here by docs apph' ex tUlle for a pw[ecri\T 1 )flkr dlri'c ling
7 Der'mdanr Joseph /.crnik Cl'.emik") to communicate solely \\'ith Countn'\\'idl ':; llesignated
S counsel regarding this action, and no other Countrywide officers, emplo~'el:s or :l~ SOCi1.les.
9 Countrywide applies for e:,: Paili' relic f because /'ert11k conrinm's 1') haLl s.; "eprc~,enred
I0 employees of Countrywide and shows no signs of stopping, despite repc:H nl r,.'t]lI e:;ts 1>\,
II CountrY\\,ide's counsel that he desist from :,uch Improper contacts. /l'mik a1s ) h:l~;
12 conraeted personal associates and religious leaders of Cmnlw\\'ide's c\eculin'; at ch:L'iries
13 and synagogues, and has spread ncgatin' infortlHtion about the comp:llw's bU'!J1CSS practices
14 in an effort to pressure Countrywide, His improper conduct has contlnued ri~ ht I hr():Jgh the
15 recent holilby -- follOWIng Countrywide\; .July ,1 notice of its intention to prest nt Ihis ~'X pm1e
16 application, I.ernik el1laikd a Countrywide officer on.J uly -I- with a cop~' of a p'.lrportc J press
17 release containing potentially libel()u~ statement' about Countr~wlde and irs olflcl'rs. J he
18 alleged press release stated, in part: "FOR IMMEDIATE RELEASE/COUNTRYWIDE
19 (NYSE:CFC) SUB-PRIME LEADER [sic] SEEKS PROTECTIVE ORDER
20 AGAINST DR. JOSEPH ZERNIKjCountl)'\vide's Mozilo and Samuels Complicit in
21 Real Estate Fraud." In the alternati,'e, Countrywide relJuests that the Court iSSUC' all order
22 shortening time to hear a motion for a protecti\'(' order,
23 This\pplicnion is brought pursuant (0 Code ofCi\'iJ Procedure sections .Wn,01O
24 and 21131.U()(j on the grounds that good cause exists for the issuance of a prott cti'.'( order
25 because I:ernik: (1) has repeatedly communicated with represented Countr}\\'id,.: lmp]uyees
26 about the subject matter of trus litigation; (2) ha~; refused (0 communicate :;olel\ \'.'ith (()unsel
27 for Countrywide, de~pite Countl:-"'ide's repeated reguesrs; and (3) has made 0 frensiw,
28 unfounded, and potentially libelous statements about Countrywide's business practice, and
2 _ Nuttce-#3----.--
EX V,lRTF: .\PPUC\TION FOR _\ PROTECTI\'E OR1~killJitsVolume 8
8-351
procedures to personal associates of Countrywide's officers and employec~ dunl1~ lht'
disco\'ery process. Countrywide responded to a'.l four of 7eroik's third-parry :.ubpl1rn:ls for
3 docum<.:nts, and has :mi\'ed to maintain a professional working rclatiomhip \\,i'lh >~ernlk.
4 HO\\'('\,er, Zernik\ repeated improper communIcations \\"ith represented pcrs( ns otht r than
5 Counmwidc\ counsel has made this extremely difficult. Thus, I.crnik should be ordl.'red to
6 (( >mlllUl11C!te ol1h· \\'irh Countrywide's

" . designated
, counsel.
7 :\uuce ut rhis ('.. . . pal1( application \\"as dul~" prescribed to all partics (In -' LIly J, 2, )1)7 \"ia
8 email and fax. This .\pplicatjon will be based on the i\lel11orandum of ]Joints ,led .'.ut lUritirs
9 ,11ld the Decbrations of Todd .-\. Boock and.l enoa ~loldawsky attached hereto. rile
10 !proposnll ( hder lodged herewith, the file and record in this action, and S\lch (:rhcr a;1d
JI furrher ora] and / or dOCUl11l'mar: e\"idencc as may be presented at the hearing ,)11 rhls
12 \ pplicarj( In.
13
,/' .. " -
14 DATED: July 6. 2007 ~:/ y/ .«''') ,

13y: d;'/c::;? p.. ~:._=--==:=:- __
15 (JOHN \\1. AMf~ERG
KElTH D. Kl J]N
16
JENNA MOLDA WSK 'y"
Attorn~ys for
17
Countrywide Home Loans. Inc.
18
19
20
21
22
_.,
')"
24
25
26
27
28
3 _
EX P.-IRTE .\PPLlC\TTON FOR .\ PROTECTIYE Ol~~t:~:u:eB- - -
B-352
MEMORANDUM OF POINTS AND AUTHORITIES

2 l. Introduction
.,
-' Country\\'jde Home Loans, Inc. ('"Countt;.'\vide") i~ not a p:uty to this 11\\"uit, but
4 Counu'ywide and its officers :llld employees, and their personal associ.itt's, an: the targets of a
5 campaign of harassment by Defendant Joseph i,emik ("I.ernik'l Countr:'\\'iclc n,~,pectful1y
6 reguests that the Court issue a protecti\T order directing Zermk to commul1lclte;olcly \\'jth
7 it s designated counsL! regarding this litiganon. Countf~'wide has complied full \ and ire good
8 faith \\'nll four document subpoenas from Zcrnik. HOWC\Tr, Lemik now maiHa'ns t:1at
9 C(Juntr:'\\'ide did not comply, and he continues to hara~s Countrywide ernJ11o\'lT~ on ;1
10 regular basis, including the.! uly 4 holiday,
J1 If I.ernik belit'\'Cd that Coumry\\'ide had not fully complied with his di:;((),:et;.'
12 n:'clu('st~, he could haH' filed :1 motion to compel, but ncnT did ~(). lmtl'ad, I crrik has
bombarded Count~'\\'ide's employees with threatening email~, letters, :lnd phone C:11l~,
14 despite repeated relJue~ts b\ Countl:'\\'idc's in-home attorney, Todd ,\. Boock thn 7crnik
15 refrain from contacting (;\)untrywidc employees directly.
16 I.emik has also contacrcJ personal associates () CCountr:,\vide's officer, re',~arJitlg the
17 lawsuit. Thus, I.ernik ~ent a !creer concerning this litigation to one of C(Jllnt~ \\'idc's :;cnior
18 ()fficcr~ in care of Bet Tzedek, a chari~ organization where the Counl rywidc c.ffj,:er currently
19 seryes as President. I.ernik also per~onally communicated with a rabbi at [he :;atTle officer's
20 synagogue, in which Countr~'\\.'idc belie\'cs he insulted and defamed the company's bu~iness
21 practice~. On July 4, after he rcceiycd Country'\vide's Juk") notice of its inren'-!{)!1 to present
22 this e.,' Pc/lie application, Zernik emailed a Coumr:'\vide officer with a purpurted press release
23 containing potentially libelous statements about Countrywide and ItS officers, lccusin~ them
24 of complici~' in the company's "fraud", It is unknown to \vhom the pres~ releast \Va; sent.
25 /:ernik has expressed no intention ro cease his harassing beha\lof, despite repeated
26 requests lw Coumf\'\\'lde's lawyer. In fact, as Zemik's July -+ email to the COUHf'widc
27 officer demonstrates, his camp~igl1 of harassment has escalated. Therefore, (ountry'\vide
28 respectfully reguests the Court TO grant a protectiye order directing Zernik to ,::or:1lTIunicate
EX P.-1RTE ,-\PPLIC-\TIO~ F~:)R.-\ PROTECTIYE C)Ri~tiU~t~'~me B-------

B-353
solely \\'ith Countrywide's designated counsel regarding this litigation, ;1l1d. 110t -'.\ith
2 represented officers, directors or employees.
3 11. Factual Background
4 .\. Zernik's Communications with Rc:presented CountrY\\'ide Empl'_2):i~S
5 On :-larch 2H, 21 H)7, in response to numerous emails and \'oice·mail mes"a;~cs
6 directed personally to \lariela Gwcia, a paralegal in Counrrywide's legal departrne. H arid a
7 custodian of records, Counrrywidc

.
1I1-house aUt ,rne\'- Todd ,\. Boock cmailed i,e ['nik and
8 ach-ised him that since Country\\-ide and its employees arc represcnted by coul1sel. Zerr:ik
9 should direct all communication to him. Boock Decl., '12, I ':x..\. I.ernik rcplJed \'ia email
10 that if i\b. (;arcia supplied her a:torney's email address.hewouldfol\\.:lrdcol1.mllnicatlons
11 to her attorney. Boock Ded, '1_\ I~x. B. In his email, I.ernik also threatened \Is C;arua
12 with "COI1SCLjUCnCCs," including her paralcgallicc.:nse anJ c\'en suggested ~.hc ret-all I he! ,)\\'n
I "'
.) attorney. Id.
14 That samc day, \larch 2H, 2( I( 17, Boock SL'tH I,ernik another em,lil, speCi tiedly ~ tating:
15 "1 represent 1\ls, Garcia, and I again reiterate fhar any cummunications to Coulltr~ ",ide or its
16 rmployces :;hould br dircctcd :;olely to me." Boock Dec!., '1 -t, Ex. C. H()\\"('\Tr, on 1\ larch
17 2<), 21107, Lernik left se\Tral \.()icemailsfor1\ls.Garciarelatingtothelitigation.Bf)od. Oec!.,
18 '1 5, Zcrnik sent anc)ther lcttcr to Boock on March 29, 20()7, copying not only \1ariela
19 Carcia, but also. \ngelo l\lozilo, Countrywide's Chairman of the Board, and Sandor Samuels,
20 Countrywide's Chief Legal Officer. Boock Ded, '15, Ex. D. Lernik also conractl.'d two
21 indiyiduals in the Countrywide customer sen'ice department, Nathalir (~ue~adc aroJ ,\lnrta
22 13ayliss, and attempted to interrogate them and encourage them to mah.. \arious a.jmi~slons
23 about Count0"\vide's business practices. Boock Ded, '16, In response, BoocJ.. scm another
24 email to I.ernik, asking that he refrain from contacting Count0\\'ide employee:,. Hood
25 Ded, '1 7, Ex. E, . \round thi~ time, Zernik was lea\'ing daily \'()icemails for ;\1'. ( ;arcia,
26 sometimes seyeral each day. Zernik also left Boock lengthy Hliccmails inrimatlng fraud.
27 Boock Decl., '1 ~.

28 Zernik refused to comply \\ith Countr~"\\"lde's request to contact Boock direct!) ,
5 - Notrce-#3-------
EX P.-1RJI: .-\.PPLlC\TION FOR.-\. PROTECTTYE ORDfiI!.U,its Volume B
B-354
.-,
Prior to late I\1arch or early Apnl, Zcrnik repeatedly called Diane Frazier, 2. former
2 Countrywide underwriter, about the subject matter of this litigat.ion. Boock Dccl ,'1 9.
3 I.ernik informed Ms. Frazier that he had done a background check un l1l'f.. and {( ,lei h~r that
4 he knc\\' certain things about her that made her uncomfortable. hi I.crnik callell ids
5 Frazier's hume so frelJuently that her husband had to firmly denund that ~~ern i k'UTer
6 contact them again. Id.
7 In rcsrome to I.emik's continued harassment of Countrywide employvcs, Ho( ,ek was
8 forced to send emails to I.ernik on .\priI2, 2))lr', ,\pril 13, 2(J(J:, and \pril1(l. :~('!l7, again
9 asking him to communicatt' solely \\·ith Countrywide's counsel regarding a]l !11;lttC rs r(bring
10 to this case. Boock Ded, '110, l'~x. I·, (; and H. On .\priI14, 2()1)7, I.crnik sjH'c,fically
11 demanded to meet with I\lariela Garcia personally. Boock Oed, '111.
12 hmhetmore, I.ernik's communications to Boock and other CounrrY\\'de 12mployecs
13 ha\'e become \\'holly inappropri:He and insulting. In his June 15, 200 7 emall, >:crnik anacked
14 the way l\oock practiCl:s his religion, claiming ir was "disgusting," and that he ·.\a~, "appalled"
15 by the lawyer's relJuest that I.ernik continue an ex parte hearing for one d;Jy S( , rh:1I B. Jock
16 could attend a PaSSD\"l'r seder \\lith his famil~" Boock Ded, '112, Ex. 1. 7.ert1lk berat.:d
17 Samuels' religious practices as "disgusting" as well. Id.
]8 Zernik's efforts to harass Countrywid.: employees ha\'C not ceased. OlL ./une 23,
19 20m, Znnik emailed .\ngelo Mozilo, Chairman and Chief Executi\"(' Officer of
20 Countrywide, demanding that 111:' personally t'nsme that Zernik rccein' a dc:c1arati,)n
21 regarding the production of documents. Hoock Ded, ~ 13, Ex. .J. On June 2\ 2 1 )1)7, :Semik
22 emailed Sandor Samuels, Countrywide's Chief Legal Officer, demanding the sa1l1(' relief.
23 Boock Ded, '113, Ex. K. L.ernik again conuctcd J\lozilo and Samuel:; rcg;ardmg this
24 litigation onJune 2<), 2007. On July 4, 20U7, Zernik sent newemails to Samuels, ittaching
25 purported press releases containing potentially libelous statemcnrs abuut the c' lml);w:'.;
26 business records. In short, Zemik has not rcframed from communicating direct!: \vith
27
28
6~.\17}S
6 r~otice # 3 - - - - -
EX PARTE A,PPLICATION FOR.\ PROTECTJ\~E ORI1lli,Rils Volume B
B-355
......-.
260-10 Filed in TXSB on 05/08/09 Page 8 of 35
,.
represented Countrywide employees regarding the production of documents.]
2 B. Zernik's Communications with Personal _\ssociates of COU1l.t1:y,.~~IQ<
:3 Employees.
4 Zernik has also Initiated communications with personal associates of Co lUt trY"'ide
5 employees. Specifically, Zernik has targeted a charitable organization affiliHed with Ole of
6 (:oumrywide's employees, as well as a rabbi at the emplO\Tc's srnagogue. Oil ]tJiH' :!.h. 2()()7,
7 /'ernik sent an email to Samuels and copied Rabbi Joseph ~hustcrman, questioning Samuels'
8 (lltl1miullenr to fighting real estate fraud. Hoock Ded, ~11-1, Lx. L. ()n or awunJJule 27,
I) 2 1)()7, /'ernik left a ktter for Counu;.'\vide's Chid Legal Officer Sandor Samuels a- Bel
10 Tzedek, a charitable organization where SamueL. SetTes as Pw·adent. Boock Decl., '11 S.
11 .\dditionally, on or around June 28, 2U07, !'crnik personally contacted a rahbi lr ~,amucls'
12 s~'nag()gue, Rabbi Joseph Shusterman, in an attempt to discuss the present 'leti'lI1. HOI Kk
13 Dec!., '1 1 (l. During the uns()liciceJ meeting, it is Counrn'widc's understanding th:lt Zernik
14 made offensiw remarks about Countrywide's alleged business practices and char~cd th:lt the
15 company was engaged in fraudulent behanor. hi Zernik again wrote to .\ngcl.) \luzilo and
16 Sandor Samuels onJune 29, 2007. Boock Dec!., '117, Ex.l\l. He copied RabLI.lmlathan
17 Bernhard, Rabbi Joseph Shusterman, The Honorable R. \Villiam Schocttler, and "others in
18 the legal and Jewish community in Los :\ngcles." ld.
19 This pattern of harassment continued eytn after Country\vide notified /,ermk Ol1 July
20 3 of its intention to present this e.. . . parte application for a protectiye order. In;1 pp IrC1l -
21 retaliation, on the July -lth holiday, I.ernik sent t\vo outrageous emails containill~ j)Cltcntially
22 libelous statements in a purported press release to undisclosed recipients, \,-ith a c )py ro
23 ~anJor Samuels. The subject line of the enmls states: "PLE.-\SE .-\SI--.:. S. \l\lDiJR
24 S.\J\IUELS TO STOP RE.\L ESTATE FRAUD." Boock Dec!., ~ 18, Ex. \J lJ1l I 0. The
25
26 ] Zernik also tmpermissibly seeks c1iscO\-ery after dtscO\'ery is closed. In his email darcd lune 15,
2007, Zemik indicated that disconry in his case had been cut off. Hmve\'ef. Lcrnik demanded that
27 Countrywide produce documents on June 20, 2007, after the discO\-er:' deadline. Hi, continu(:d
pursuit of rusco"ery after the deadline is thereby llTlproper and harassing.
28
"'lj-l""',l-'17-'-',."'-S 7 _
emails continue with an apparent press release, stating in part: "FOR IMMEDIATE
2 RELEASE" and "Countrywide's Mozilo and Samuels Complicit in Real Estate
3 Fraud." ld. The press release falsely asserts th;\t "the fraud \\'as committed b': collusion of
4 Niyic Samaan and ~1aria ~IcLaurin, Countrywide Branch ;"LlI1ager. In 10(l.~ i\lcLLUrin and
5 ~amaan also colluded in i\lortgage Fraud attempt and in \,\'ire Fraud." Jd~ Thc~' i,dd tbat
6 ";\IcLmrin also prob;1bly personalty apprm'ed about SCI.S billion per year 0) in ;2:t< ,ssly
7 fraudulent gOH'rnmcnt-backed loans," ld. The emails specifically mention ~arnuds'
8 inyolyement not only \\ith Bet Tzedek, bur also his position with the Ziegler ~::h(lol f~)r
9 Rabbinical Sl udies. .hi The enuils refer to the Bet Tzedek Justice Rail on] uh' :~p" 2(1)7, and
10 the charity's commitment to fighting real estate fraud. 11 The emaib als() adnlll Ihat ;'<ernik
11 has approached Rabbi.lonarhan Bernhard, RabLiJoseph Shusterman, and l'lw lJ,morabh: R.
12 \Villiam Schoettler. hi These emails arc rife with false and outrageous sratem,.~I1I;, and \\"ere
13 orchestrated by 7-ernik in an attempt to intimidate Country'wide and to exrurt it:.; I urther
14 compliance \\'ith his disco\'ery demands.. \s ('\'idenced by rhese retaliatory l'nuib on', the
15 holiday, I.ernik has no intention of ceasing his improper harassing behanor. HIS actions
16 haH only escalated and become more egregious. His behayior \vill continue II llc,s the Cour
17 steps in to restrain /'ernik from further harassing Countf)'\vidc employees :lnd tht. ir personal
I8 associa tes.
19 c. Zernik Continues His Harassment By Attempting to File an :\tT]!,;ndcd Cross-
20 Complaint ~\gaimt Countl)'\vicle and Its Employees.
21 In an effort to further harass Countrywide and its employees, Zernik scek~ leaH to
22 tile an amended Cross-Complaint to name Countrywide Financial Corporatjon ard
23 Countrywide employees 0,laria McLaurin, .\ngelo J\10zilo and Sandor Samuels ,IS .Jcfc..lJants.
24 Boock Dec!., '119..\pparently dissatjstied with Country'\vide's proper discm'c-:' lesponses,

25 Zcrnik is apparently utilizing the threat of the Cross-Complaint as len'rage to I lht lin further
26 discoYCry. L.ernik's amended Cross-Complaint alleges no factual basis for imposing any
27 liability on Country'.\idc or its employees. Zernik has noticed the heanng on hi:.; 1l10Q')11 on
28 .\ugust 9, less than 30 days before trial. 1i

",,{)·1c..:..'1'-C7~';,---- 8 -Notiee-#3------
EX E/IRTE :\PPLlC:\TION FOR A PROTECTI\'E ORI)f(ffibits Volume B
B-357
III. The Court Ha::; Broad /\uthority to Grant .-\ Protecth-e Order to Reg1illw;.J2isCQYC1T
2 Practice and Procedure
3 "i\lanagement of disconry lie~ within the sound discretion of the trial ,:m n."
4 Toshiba .\merica Electronic Components, ln~~. Superior Court, 124 Cal. .\pp -!t!l 7~)2, 767
5 (:2(1()4). "\X'hcrc there is a basis for the trial coun's ruling and it is supponed b~.. the c\'idcnce,
6 a reyic\\'ing court will not substitute its opinion for that of the trial court." .hi a I - () 7 .'7(iH,
7 Further, "in all discoycry proceedings, a broad dlscreuun is yestcd in the trul c: lUI t in
8 granting or refusing to grant an order directed at discO\cry and wh:ltc\cr order t hI' tria 1court
9 may make may not be disturbed in the absence of an abuse of discretion." RY;Il)..~ -,-Superior
10 Court, IB6 Cal. .\pp. 2d l'{L), ~p (1%0); RS (reati,'(', Inc. y, Crcatin' c.()':t(J!1l-Lld., is Cal.
II .\pp. -1th 486, 49(l (l999) (with regard to diso)\"cry, courts han: "broad discrctlon subject to
12 reycr~al only for arbitrary, capricious, or whimsical action"); Fuller y, S uperiorCQ11.J1, -{7 Cal.
13 \pp. 4th 299, 304 (2()(l1) ("a tri,ll court's ruling will be sustained on re\-iew unLss il falls
14 outsidl' the bounds of rea~on").
15 The trial court has broad authority 10 grant protectin.' orders. (:ahforl1la ( ode of
16 Ci"il Procedure Section 1031.06l) prcwidcs that for good cause shown, the Court 'tna:.:..make
17 any order that justice reyuircs to protect any parr or other natural perSlln or or,.;:l11ization
18 from unwarranred annoyance, embarrassment, or oppression." Cal. (ode Ci\". I)r,x.
]9 § 2031.06U(b) (emphasis added). Through a protcctiyC order, courts han' fhe 111 )\\Tr to
20 regulate discoyery practices and procedures, including specifying the terms and u,nditions by
21 which di~coYery will be carried out. Cal. Code Ci\'. Proc. § 2m l.060(b). CourlS routi'1cly
22 grant protectin' orders in order to control the means and manner of disco"ery anJ prevent
23 abuses of the discO\'cry process. "The 'good cause standard' enables the trial (.)Ort to
24 distinguish between proper use of discO\'ery and rnisuse of discm-cry and to treat :~ach in the
25 appropriate manner." (;T. Inc. ,.. , The Superior Coun of Santa Cruz, 15] Cal. .\.pp. 3d
26 748,7 55 (1984) (upholding protcctiye order which limited the disclosun: of document:; to
27 counsel only eyen though the documents pertained to the merits of the claim); J-Ltrris I-,
28 Superior Court, 3 Cal. .-\.pp. 4th 661, 668 (19<>2): Fonthill Properties \'. Lrc~QL..Ln.rley Corona
(,,1>17,5 __-2.... -Netiee·#3------

EX PARTE :,\PPLIC\TION FOR A PROTECTT\'E ORDifXabils Volume B
B-358
.-.,
,.
;\ssociates, 46 Cal. .-\pp. 4th 1542, 1558 (2001).
2 Here, good cause exists for the Court to grant a protectin order. Throughout the
3 disconry process, Zernik directly contacted, harassed and hassled Country\vide emplo:,'ees
4 whom he knew to be represented by Countrywide's counsel. 1"01' many montll~,.
5 Countrywide's in-house counsel, Todd .\, Boock, repeatedly infonned /.L'rnik that he
6 represented all Countrywide employees \\'ith respect to the present action, Bo, >d. Ded., '1'1
7 2.4, 7. 10. ()n~r and O\'Cr again, Boock asked /ernik to communicate solely t'H)Ilf!h
8 designated counsel, but Zernik refused. ld. Zernik has shown no indication tlut he \v'lll
9 refrain from contacting any Countrywide employee in the future. In fact, as ncelltly a~July
10 4. he emailcd Countrywide's Chief J.egal Ofticcr Sandor Samuels with his potl nti111y libelous
II press release, and onJune 29, he cmailed .\ngelo J\fozilo, Chairman and Chief Executi\"C
12 ()fficcr of Countrywide, and Samuels regarding the present action, and copied Rabbi
13 Jonathan Bernhard, Rabbi Joseph Shusterman, The Honorable R. \\'illiam Schnettler, ;1nd
14 "others in the legal and Jewish community in Los. \ngeles." Boock Decl., '1 1".
I5 Not only has Zernik communicated directly with Countrpvide employees, oycr
16 Countrywide's objections, but his beha\'ior has escalated to initiating contacts ,\'itI1 personal
17 associates of Countrywide employees having nothing to do with this 1:l\vsuit; such as the
18 charity Bet Tzedek, where Samuels is President, and a rabbi at Samuels' synagogue, Rabbi
19 Shustcrman. Boock Decl., '1"15, 16. During the unsolicited meeting \vith the raj )bi,
20 Countrywide belie\Ts that Zerruk made offensiye and insulting remarks about Countrywide's
21 business practices. Boock Oecl., '116.
22 ~loreoYer, on July 4, after Countrywide had ginn Zernik notice of its lntcnt t(l
23 present this ex parte application, he sent two outrageous emails containing p01ent ially
24 libelous statements to undisclosed recipients, with copies to Sandor Samnels. l'he subject
25 line of the emails stated: "PLE.-\SE .-\SK S;\NDOR S;\i\fUI-;;J.S TO STOP RI~,\L E~;T;\TE
26 FR. \ UD." Boock Decl., ']18, Ex. Nand O. The emails continue in the form of a pr.:~ss
27 release: "FOR IMMEDIATE RELEASE" with the subheading "Countrywide's Mozilo
28 and Samuels Complicit in Real Estate Fraud." ld. The emails falsely asserr that "the
1U ~~otiee-#3------
EX PARTE APPLICATIOl\: FOR A PROTECTI\"E ORIliHbitsVolumeB
B·359
1 fraud was committed by collusion of Ni\·ie Samaan and ~Iaria :\IcJ ,aurin, Count!") \\ide
2 Branch ;\lanager, In 2004- r.IcLaurin and Samaan also colluded in Mortgage Flaud attempt
3 and in \,\'irc Fraud." Id. The emails state that "McLaurin also probably person alL· apprm'ed
4 about S().S billion per year (!) in grossly fraudulent gO\-crnment-backed loans." Jd: The
5 cmail~ also admir that 7ernik has approached Rabbi Jonathan Bernhard, Rabb; .Io~cpl·
6 Shusterman, and The Honorable R, \'{'illiam Schoettler about this. case. Id. T11('s(' emails
7 contain numerous false and outrageous statements. The emails are pan of ZnriJ... 's improper
8 campaign to attempt to intimidate Coun!.0-'widc. and to buH~' it into c()mpl~:ing wil h his
<) discoYery relluests.. \s e\'idenced by his .I uly 4- cmails, I.ernik has no intenrion (If ceasing this
10 bcha\·ior. Thus, Counu-y\vidc respectfully applied to the Court for a proteet.i\T order
11 dircering I.ernik to communicate solely \\'ith Countrywide's designated cut:nsc H>!,arding the
12 present action,
13 1\'. ( :ol1c!usion
14 For the reasons set forth herein, (oun10'\\>;de respectfully reques1 s that th,' Court
15 excrci~c its inherent authority to regulate the conduct of the case, and to is:me 1 pJ'(lteni\T
16 order directing I.crnik to communicate only \\>;th Countrywide's designated coumel
17 regarding the present action, and not with represented persons who arc ufficers, direcors,
18 and employees of the company, or, in the alternative, to issue an order shonemn!2 tim: to
19 hear Countrywide's motion for a protecti\'C order.
20
~
/- /??
/
DATED: July 6.2007
21 ~ d-~/ ~
By: ~J N W. AMBd(=;-~==-:""'-----
22 (
KEITH D. KLEIN
JENNA MOLDA \\'SK ~'
Attorneys for
24 Countrywide Home- Loalls, Inc,
25
26
27
28
~(,4!.J..11L1.7"",l.:JL- 11 Notice #3----~~

EX PARTE APPLlC\TION FOR _-\ PROTECTI\-E ORUliHibits Volume B
B-360
DECL\R.\TIO:\i OF TODD :\. BOOCK

2 I, Todd .\. Boock. declare:
3 1. 1 am an attorney July licensed to practice la\\' before the Courts 11" I he ~tate of
4 California. I am counsel for Countrywide Home Loans, Inc. ("ClllntrywtJe"). I han:
5 personal knmdedge 4)f the facts set forth in this declaration and could competl'ntL' te~tlf\" to
6 the t( ,llowing facts,
7 On 1\larch 2:1, 2(),,)', in respon:;e to numerous emails and \"oicernai I me ,;~;ages
8 directed at ;"1arieb (;arcia. (:( lUl1tnwlde's Custodian of Records, 1 emailcd I.crnik ;'nJ
9 ad\'ised him that since Countrywide is represC'nted by counsel, he should J:rect ;111
10 communication to me, .\ (rue and correct copy of this email is a1"tached heret(, :IS Fxhibit .\
11 and incorporated herein by rdefence.
12 3. That S,l!1H: day, I.ernik replied '.-ia email that if i\ls. Garcia supplied her
13 attorney's email address, he would forward communication to her attorney, In hi: ,.?maiJ,
14 I.ernik also threatened f\1s. Carcia with "consequences:' including her paralcgallicense and
15 suggested she retain her own attorney.. \ true and correct copy of thi~ email is atl ~h.:h('d
16 hereto as Exhibit B and incorporated herem hy reference.
17 4. ] ,atel' that da\", 1 emailcd Zernik, specifically stating "I rl'prc~:ent ~,b, Cncia,
18 and I again reiterate that any communications to CounLrywide or its employee:: should be
19 directed solely to me." :\ true and correct copy of this email is attached hcret<' (IS Exhibit C
20 and incorpurated herein by reference,
21 5, On ~larch 29, 20 1l7, Zcrnik left seycral \~oicemails for f\ls. Garcia rdating to
22 the litigation. He also sent a lett:el' to me, copying not only \laricla (;arcia, bu' :11'0 .\ngcIo
23 i\lozilo, Countrywide's Chainmn of the Board, and Sandur Samuels, (:ountry' ....tdc's Chief
24 Legal Officer. :\ true and correct copy of this letter is attached heretl) as [~xhihit D ;lnd
25 incorporated herein by reference.
26 (I. I am informed and bdic\'e that Zernik also cuntacted 1:\\'0 indiydu.tls in
27 Countrywide's customer sen'ice department, 1'-:athalic Quesaele and .\h-crra B:rdi-,s, and
28 attempted to interrogate them and encourage them to make nriOlls ;ldmissiolJ:; abou'
S,\II111 )O{ .S . (,~yq I 1
(,-13'J~ 1.'-21'---_ _ I'
~
.
---Notil;e.#3- --
EX P.-1RTE APPLIC-\T10l' fOR:\ PROTECTI\T ORlInIiltlilsVolumeB
B-361
Countrywide's business practicc~,.
2 That same date, ~larch 29, 2 1Itf', 1 ~cnt another email toZernik.as~.itlg 'hat he
3 refrain from contacting Countrywide employees .. \ true and wrrect Cll})" of tIi:, tTlaills
4 attached hereto as Exhibit E anclll1corporated herein by refercllce .
.5 .\round this time, I am informed ~lIlcl bellen: that I,crnik \\"a~; als!) k'l\"ir.l:'
.'
6 numerous yoicemaib for ,\Is. (;;'lrcia, S(J111etime~ ~e\'eral each da\' I.crni]'; al~o lcf, me
7 lengthy yoiccm:1ijs intimatIng fraud.
l) . Prim to late ~larci) and early. \ pri!, r am in formcL! and he lil'W tllat .l.crnik
I.) rerearcJJ~ called Diane I'rai'icr, :-1 former Countrywide 1I11det\\"fitcr, about the: ublect matter
10 of this litigation. r ;1111 informed and belieyc that I.ernik informed \£s. Frazier thal he haJ
II done a background check on her and wId her Ihat he knew (cHain things abOlil h':1" that
12 rnadl' her uncomfortable. [am also informed and beliCH' that I.crnik called 1\ls, ] 'razicr's
1j horne so fn:lJuently thaI her husband had to firml~" demand that I.ernik I1L'H'I" ('011t".ct them
14 ag:un.
]5 1ll. In response to Zcrnik's continued harassmenr of Countt\\\'idc (' Illp loyt':.'~, I
16 sent emails to !,ernik on i\priI2. 2UU7,\pril U, 2()()7, and .\pril1(l, 2111}i, agail~ asbn:,; him
]7 to communicate solely with me regarding all matters relating to the litigatiun. 'I n It and
18 correCT copies of these emalls are attached here!o as Exhibits 1", (; and II, resplxtl\'cly, and
20 ] 1. On .\pril l-t, 211U~I, Z<.'rnik specifically demanded that he meet \\ illl ~.la\'ida
21 ( ;~lfcia personally.
22 12. On June 15, 2007, I recei\'ed an email in which Zernik attacked rhl \Va)
23 practice rchgion, c1alrning It \vas "disgusting," and that he was "appalled" hy 11'1\ ri.~'lucST hlr a
24 one Ja~' continuance of his ex parte hearing so that j could attenJ a Passu\,cr sl,jer win my
25 family. In the email, I.ernik berated Coun10"\\id<."s Chief LegaJ Officer ~al1(lor S;lmUl~ls'
26 religious practices as "disgusting" as well. .\ true and correct copy of this email i~ attached
27 hereto as Exhibit 1 and incorporated herein by reference.
28 13. On June 23, 200 7 , Zernik emailed i\ngelo i\lozilo, demanding I hat he
S\!lll \)OC;\ I>4WH 1
",,(,-1""",,-,,)-12..],,--1 1.) ---Notire#~--- '_ _
F.X P'lRTE .-\PPLlC:\TION FOR.\ PROTECTI\'E ORDIG&itsVolumeB

B-362
personally ensure that Zernik receiyed a declaration regarding the production ( f do:.:utr.cnts.
2 On June 15, 2(107, Zernik emailed Sandor Samuels, demanding the same relief. I'r'UC Lnd
3 correct copies of these emailsareattachedheretoasExhibitsJandK.resp~ct.il·cl~

, and
4 incorporated herein by referellce.
5 On June 26,1()(l7, Zernik sent an email to Sandor Samucl~ and copled ~. rabbi
6 at his smagoguc, ljuestioning Samuels' commitment to fighting real estate fraud \ true and
7 correct copy uf this email is attached as Exhibit L and incorporated herein br refucnce.
8 15. On or about June 17, 2007, I am informed and belie\T that /.crnik left a letter
9 for Countrywide Chief J .egal Officer Sandor ~amuels at Bet Tzedek, a charitable
10 organization of \\"hich :\lr. Samuels ser\"es as President.
II On or aboutJune 2R, 2Ul17, according to a Zernik emaiL he ]lersll!1:LlIy
12 approached a rabbi at ~andor Samuels' synagngue, Rabbi ~hustcrman. to discll~'~ 1 his case.
13 .\t that time. I am informed and belie\'e that Lernik made offensiw remarks a!Il lui
14 Countrywide's business praetice3 and implicated the company in frauduknl condllct.
15 17. On.l une 29, 2U07, Zernik again wrote to \lozilo anJ Samul']:~. I Ie copied
16 Rabbi Jonathan Bernhard. Rabbi Jmeph Shusterman, The Honorable R. \,\'illial1l '",d1( ,('ttler,
]7 and "others in till' legal anJJewlsh community in Los ,\ngcles." .\ true and cornct copy of
18 this email is attached hereto as Exhibit 1\1 and incorporated herein by reference.
]9 18. On July.f, 2007, Zernik sent t\Vo emails.includingattachments.t.) •.l l1disclosed
20 recipients, with copies to Sandor Samuels, Chief Legal OHicer for CountrywiJ::. l'he cmails
21 bore the subject line "PLF:\SF .\SK S. \NDOR S:\1\fUELS TO STOP RF.. \] . I~:·)T\ lE
22 l'R.\UD." The emails contain purported press releases, \vhich state in parr: "For
IMMEDIATE RELEASE," '1.nd contain the subheading "Countrywide's rvlozilo and
24 Samuels Complicit in Real Estate Fraud." The emails contain numcrous ials\' ~ta:cments
25 implicating Countrywide officers and employees in alleged real estate fraud, Trm and '.:orrcc
26 copies of these emails are attached hereto as Exhibits Nand 0, respectin:,!', a lei
28 19. 7.ernik is currently attempting to tile an amended Cross-Compbnt to Lame

S\[II! j)<)( > J,~ l')~ 1.1
",,04,-"-3~=4-,-,-1.,---1 ' 14 .Noliee-#3---~.--
EX PARTE :\PPLIC\TION FOR:\ PROTECTI\'E ORD3xla,its Volume B
B·363
Countrvwldt: Fmancial Corporanon and Coul1tl)'\vlde employees ;'.laria i\IcLaurin, 1\:1. eb s

2 1\102i10 and Sandor Samuels as defendants. The hearing on his motion is notlced for AUITust
L "
3 9, 2007, less than 30 days hefore trial.
4 I decbre und!'r penalty of perjury under the laws 'Jf the State of California tll:11 the
5 foregOln?; is true and correct. (l ,1 I
. ~ -tL _ ):1; btt I~J-
6 Execllted thIS -.> day of July, 20{)!, ad.. dL~~rCalitorll1a. /)
7 I \~ i(l I
1 /\ •• /.' t.. '
8
,jir I ,,#.,( V"."'"-;---
I ;\, Booet) ._-
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25 I
26 I
27
28
~M(i IDOl :~\!.4 .\9411
~~R A PROTE:CT1VE ORDEINotice ~-;-----\

(,43')41 1
EX PAR'IE APPLIC\TION
Exhibits Volume B
B-364
DECL\RAT10N OF JENl'\_\ i\[OLD.-\\X·SKY
2 1, Jenna :-lo1dawsky, declare:
3 1. 1 am an attorney duly licensed to practice law before the Courts (,f tile S\;J te of
4 California. 1 am counsel of record for Countn·wide Home J ,Dans, Inc. ,'''Countr;\,..ide'').
5 han.' personal knowledge of the facts set forth in this declaration and CI luld compt renLy
6 testify to the following faers.
7 CounrrY\\'ide applies ex purte for a protecth-c order in this maner ,)et auSt
8 Defendant Joseph I.ernik ("I.crnik") continues 10 harass Countrywide cmp loycl's ;tnd
9 officers on an almost daily basis, despite numerous requests that he communiGilc ·ulck with
10 Countrywide's duly-designated counsel. In the past ten days, I.crnik has fcpcat,:dl': :':Ol1l aete
11 Countrywide officers. and has en.. n contacted the Countrywide officers' personal as:,oci:ltes
12 at charities and temples. I.ernik has shown no indication that he will cease this harassi:1~
13 behayior.
14 3. OnJuh 3,2007, 1 ~aYe notice \,ia cmail and fax to all parties that Ct untrywiJe
15 would be appearing I'X pUl1/' for a protecuyc order directing I.ernik to COmlTIUl1h::lt,' :,olcly
16 with Countrywide's designated counsel regard111g this litigation.. \ true and corC.'ct cop I' of
17 the fax confirmation sheet is attached hereto as Exhibit P.
18 1 declare under penalty of perjury under the laws of thc State of California' hat the
19 foregoing is true and correct.
20 Executed this~ay of]uly, 2007, at /i~ntfy(J.(~ornia.

21
22
23
24
25
26
27
28
!!.1(,~l2.31!..i.7,",",,)5L- . 16 Ncrtice-#3------
EX PARTE _\PPLIC\TION FOR A PROTECTl\'E ORD~bitsVolumeB
B-365
Notice #3 1'
{\
Exhibits Volum B·
B-366
Todd To jz12345@earthlink.net@CWEXTERNAL
BoocklAttorneyfLegallCF/CCI
cc Mariela GarcialLegallCFICCI@Countrywlde
03/28/200701:03 PM
Subject Re: URGENT- LEDER TO An BOOCK. TIME RESPONSE

DEMANDED BY 5:00PM ON THURSDAY, M..\RCH 29, 2007
ffi)
Mr. Zernik,
I am in receipt of your letter dated March 21:,,2007, but sent to me via e-mail on March 27, 2007.
Your letter has raised numerous issues tha: we are looking into at this time. Please be advised that we
are diligently researching the issues raised by your letter and will comply with our legal obligatiom as to
your sUbpoenas.
In my March 23rd e-mail to your former attorney Zachary Schorr, I requested that we set up a
meet-and-confer telephone call. Since he is no longer representing you, I am making the same request to
you. Please provide me with a few convenient times to call you on Monday or Tuesday, April 2nd or ::ird.
This should give me sufficient time to fUlly review and research the issues raised by your and Mr. 3chDrr's
letters, and to determine whether additional responsive documents exist.
In the interim, we kindly ask that, since you are aware that Countrywide is represented by counsel. you
direct all communications regarding this matter solely to me.
Thank you for your anticipated cooperation, and I look forward to speaking with you.
II Countryvvide'
Todd Boock
1 st VP, Sr Legal Counsel
CA In-House Litigation Legal
818-871-6045 Office 5220 las Virgenes Rd

92-585-6045 Internal Mail Stop: AC-l1
818-871-4669 Fax Calabasas. CA 91302
Todd Boock@countrywide.com
EX_IJ .PG_.L.L_
Notice #3
Exhibits Volume B
B-367
Notice #3
Exhibits Volume ~ .',
B-368 .'
jz12345@earthlink.net To Todd_Bood@Countrywide.Com,
Mariela_ Gareia@Countrywide.Com
03/28/200701 :31 PM
ee
bee
Subject Re: URGENT- LEDER TO AD BOOCI<., TIME RESPONSE
DEMANDED BY 5:00PM ON THURSDAY, MARCH 29. 'Z007
March 28, 200 7
Dedr Mr BOO~K and Ms Garcia:
You had more than enough time to consider this subpoena, first servec
in August 2006! You had sufficient time to prepare the repeat
subpoena in January 2007, but ch8se not to address the concerns you
were informed of in December 2006.
Please respond to demands in my letter by Thur"sday, March 29, 200 7, ~:OO 'tn.
Depending on your response by that deadline I may be interested tn

meeting you n~xt week, on Tuesday. You need to show some intenticn to
comply, not just obfuscate.
Messages in this regard are also copied to Mdriela Ciarcld. si~c~ 's
lhe person who signed on the declaration of Custodian of Records, she
may suffer consequences in person, e.g, against her paralegal
license, and she may be Lnterested in hiring her own legal
represenlation, given the conflict of interesL that would not dllJW
you to represent her.
If Ms Garcia provides her attorney's email address, I would be cLad

to forward messdges to him.
Sincerely,
Joseph Zernik
EX-__~~._. __ P(~ _,-L[~

Notice #3
Exhibits Volume B
8-369
Notice #3
Exhibits Volume B j/"'
B-370
BoockJAttorney/LegBUCF/CCI
cc Mariela _Garcia@Countrywide.Com
03/28/200704:56 PM
Subject Re: URGENT- LEITER TOAIT BOOCK TIME: RESPONSE

DEMANDED BY 5:00PM ON THURSDAY, MARCH ?9, )007
[j
Mr. Zernik,
I am writing to respond to your most recent E~-mail, sent earlier today.
In your e-mail, you raised a concern that we have had since August 2006 to respond to the issues
discussed in your recent correspondence. We respectfully disagree. The subpoena you servE~d in
August 2006 was entirely different than the subpoena you served in January 2007. The August 2006
subpoena was a generalized request for documents relating to a loan application. The January 201)7
subpoenas sought nineteen separate categories of documents, many of which included SUbcategories
We timely responded to both subpoenas anej produced documents.
Most of the issues that your attorney raised in his March 19, 2007 letter and the new issues you raised in
your March 27, 2007 letter were not raised by any of the SUbpoenas. They were brought to my attEntion
for the first time in these recent letters. Please note that we are not a party to the lawsuit, were never
served with the complaint and are not as familiar with the issues in the case as you appear to be. l\.5 I
explained in my prior e-mail, we are attemptl ng to diligently respond to your letter and research the issues
you have raised. Unfortunately, this takes some time to accomplish, and we intend to take the neo:~ssary
amount of time to comply with our legal obli{Jations.
Your attempts to "meet and confer" by sending us lengthy letters and lists of demands are not in good
faith. Giving us less than 48 hours to respond to these letters is also not in good faith, nor does it follow
the spirit of meet and confer contemplated by the Los Angeles County Superior Court local rules. [acll
and every time we have attempted to engage in a reasonable meet and confer with you or your attorney,
we have been rebuffed or ignored. We will take the appropriate time to research the issues raised in your
letters and, once we have done that, we will engage in a substantive discussion with you about the issues
you have raised. We would like to work witt- you to resolve each of these issues and are more than
willing to take the time to go over each of thE~m with you. In that vein, I again ask you when you arE'
available to meet and confer over the telephone on Monday or Tuesday, April 2nd or 3rd? Please provide
me with a few times that you are available, I will let you know what works with my schedule and I will call
you at that time.
Incidentally, while your March 27, 2007 letter makes reference to certain exhibits, those exhibits ar':~ not
attached to your letter (only descriptions of the exhibits are included). So that we are certain we kr,ow to
what you refer in your letter, please provide the exhibits as soon as possible.
Finally, your threats against Ms. Garcia are whOlly inappropriate and not well taken. Please immediately
cease making idle threats against Countrywide employees in general and Ms. Garcia in partIcular. I
represent Ms. Garcia, and I again reiterate that any communications to Countrywide or its ernploye,es
should be directed solely to me.
Mr. Zernik, I assure you that we are working diligently to respond to your subpoenas and letters. We hope
to work with you to resolve your issues and move forward.
Thank you for your anticipated cooperation, and I look forward to speaking with you next week.
EX..........,._{2
Exhibits Volume 8
8-371
Notice #3
Exhibits Volume B
B-372 \,
SENT BY EMAIL AND BY FAX TO 818-871-6045 and 8006589364
March 29. 2007
Att Todd Boock

I" VP and Sr Counsel
Legal Department
Countrywide Financial Corp
Mariela Garcia
Custodian of Records
Legal Department
5220 Las Virgenes Rd
Calabasas, CA 91302
URGENT- LETTER TO ATT BOOCK. TIME RESPONSE DEMANDED BY 5:00PM ON

THURSDAY, MARCH 29,2007
Dear Att. Boock:
I am available to meet and confer by phone today, Thursday. from 7:00am to 9:00am. and from
2:00-3:00pm in the afternoon. This is a last minute notice, but events in this case and your
obfuscation over a year and a half do not leave me much choice. I am offering you these time~,
for phone conversations in addition to thf: many opportunities you had over the last year and a
half to submit additional information in writing. I am sending this notice by email to you al1(1
Mariela Garcia and I am also leaving you phone messages in this regard.
I am doing so in order to offer you an opportunity to clarify before 5:00pm today, Thursday,
your reasons for refusing to comply with a legal subpoena for the documents related to loan
applications by Nivie Samaan.
.. As I explained in my prior e-mail, we are attempting to diligently respond to your letkr

and research
the issues you have raised. Unfortunately. this takes some time to accomplish, and "Ne
intend to take the necessary amount of time to comply with our legal obligations." 'r' 0111'
excuses for failing and refusing to comply with a legal subpoena since August 2006 can
no longer be accepted as written in good faith.
There is no legitimate and/or reasonable excuse for refusing for over a year and a half to print
out the full and complete Comments/Documents/Conversation Log for Samaan's loans fronl yc,ur
computerized system. Parts of that Jog, n:lated to Exception Approval by the Corporate
Underwriting Support Office were already provided. There is no reason not to proVide a full and
complete copy of that log.
Is a year and a half not sufficient II amount of time to accomplish II a printout of such log?
EX__ P_ pa~:~__
Exhibits Volume B
B-373
"we will engage in a substantive discussion" - what kind of discussion is there to enga~~e in
regarding your obligation to print out and provide me with that log?
At some point your arguments start sounding exactly like what they are - a farce and a
perversion of the law by the Legal Department ofa major corporation. You must also be a\\aJ'e
that my concerns are aggravated by recent reports that equated Countrywide with Enron.
Let me be clear. The subpoena of Augusl 2006 was prepared by Att Cummings. The Sllbpoela
of Jan 2007, and all following Meet and Confer letters (copy of a recent one is attached bel,)w I.
whether on attorney's letterhead or not, were drafted by me, so that I am very familiar with each
and every item discussed in them.
The materials sought in all of these communications with Countrywide are the same as tho~e
requested in the very first subpoena by Att Cummings - any and all documents pertaimng to
Loan Applications by Borrower Nivie Samaan for the Propelty at 320 South Peck Drive, Beverly
Hills. Your attempts to claim otherwise are additional excuses for your obfuscation and rcrusal
to comply with a Court ordered subpoena.
You mention that you are not a party to this litigation. These communications are also mC:H1t Ilo
serve yOll due notice and ofter you the opportunity to make amends. Actions and omissiorl~' by
Maria McLaurin and others in Country""ide in October- 2004 to January 2005. and in addition
by sending a lettcr signed by Maria McLaurin on behalf of Countrywide for use by Pia intirr ill
this litigation. and in addition by failure by Countrywide to completely respond to subpoena ill
August 2006, and in addition by failure and refusal by Countrywide, Todd Boock. Mariela
Garcia, and others to comply with a legal subpoena since January 2007. it becomes apparent 1I1at
Countrywide (referring here to CFC and all its affiliates), individuals named above. and otller';
are in fact accomplices in this blatant fraud and deccit.
You requested that I provide the exhibits, and I do so in a fax/email following. although ail ai'
them, with one exception, are materials produced by Countrywide. I am also producing two
additional exhibits for your review, which have been discussed many times in previous
communications:
a) Loan Applications (1003) by Nivie Samaan. as produced by Countrywide, demonstrating
blatant adulterations, produced by Coumrywide in response to subpoena without any
accompanying Internal or External Audit documents to justify this aberration.
b) A deliberately misleading paper document titled Comersation Log. San Rafael Branch.
produced by Countrywide. Maria McLaurin. Branch Manager, San Rafael Branch, indicar~d in a
phone conversation with me that it was her decision to insert this document instead of the ,fUr
and correct, full and complete printout of the computer-based
Comments/Documents/Conversation Log of Samaan's loan applications. In contrast. Dian.;:
Frazier, the duly authorized Underwriter for Samaan loans, whose authority was usurped by
Maria McLaurin, indicated in a phone call with me that such paper Conversation Logs ha\ e
never been used in the San Rafael Brandl at least since 1989, the year she joined Country"iIIid:~!
Countrywide, Todd Boock, and Mariela Garcia were warned in person, by phone and by v;ritlen
communications by this writer, prior to the January 2007 subpoena, that such documents \Vcr,:
EX __P_. ~i:~~-
8-374
produced in the August 2006 subpoena. Yet. the same documenls without any justification w:~re
produced again in response to the subpoean of January 2007!
"I represent Ms. Garcia. and I again reit(:rate that any communications to Countrywide or Its
employees should be directed solely to me." [find it hard to believe that this statement is true.
Mariela Garcia, a paralegal in your office. signed as an individua I on behalf of Countrywide. ~lS
the duly appointed Custodian of Records If [ receive a direct communication from Mariela
Garcia that states that you indeed repres1;:nt her as an individual. while at the same 1ime
representing Countrywide and that she is aware of the contlict of interests inherent in such
representation, I would cease to copy her on such communications.
AU Boock, your obfuscation is no lon~~er tolerable. Time is of the essence - )'our actions
and omissions, as an individual and as a representative of Countrywide have caused me
substantial financial damages through the denial of a motion to expunge lis pendens lin
November 2006, opposed with critical support with Countrywide and Maria McLaurin,
and are causing critical damage to my defense in Samaan vs. Zernik, soon to be heard in
Court.
Sincerely.
Joseph Zcrnik
Joseph Zernik
CC:
Thrift Regulators, RE: Case #0507312007
Gretchen Morgenson. New York Times Business Section
Chairman of the Internal Audit Committee

Angelo Mozillo. Chairman of the Board
COUNTRYWIDE
400 Countrywide Way
Simi VaHey, CA 93065
Fax: 800658 9364 (As provided by Marquita and confirmed by Misty on March 29. 200?}
Sandor E. Samuels, Senior Managing Director

Chief Legal Officer and Assistant Secretary
COUNTRYWIDE
400 Countrywide Way
Simi Valley, CA 93065
Fax: 8006589364 (As provided by Marquita and confirmed by Misty on March 29, 2007)
At 04:56 PM 3/28/2007, you wrote:

Notice #3
Exhibits Volume B
B-376
Todd To jz12345@earthiink.net@CWEXTERNAl
BoocklAttomey/Legal/CFfCCI
cc Mariela Garcia/LegaVCF/CCI@Countrywid()
03/291200712:40 PM
Subject Re: Samaan v. ZernikG:!
Mr. Zernik,
Thank you for your e-mail.
Unfortunately, I am unavailable to have a m~et and confer discussion with you today. However, I am
available on Monday, April 2nd or Tuesday, April 3rd. Please let me know some convenient times to call
you during either of those days. I will let you know what works with my schedule and I will call you then.
I again repeat my request that you refrain from contacting Countrywide employees directly, including
Mariela Garcia. It is my understanding that you have left several voicemails for Ms. Garcia today. As an
employee of Countrywide, Ms. Garcia is represented by counsel, and she will not communicate with you
directly. Please direct all communications to the company solely to me.
Incidentally, I did not receive any faxes from you today, and I note that the fax number you have in,jic8,ted
for me on your e-mail is actually my telephone number. My fax number is (818) 871-4669. While I
understand that the exhibits were mostly culled from documents Countrywide produced to you, we did
produce several hundred pages of documents, and it would be helpful for us to know exactly to whiCh
documents you refer. I look forward to receiving your fax and the exhibits.
Thank you for your anticipated cooperation, and I look forward to speaking with you early next week.
Todd Boock
1st VP. Sr Legal Counsel
818-871-6045 Office 5220 Las Virgenes Rd

92-585-6045 Inlernal Mail Stop: AC-11
818-871-4669 Fax Calabasas. CA 91302
EX__~ __ .E~ . ~ PGc~~~L_. Exhibits Volume B

B-377
Notice #3
Exhibits Volume B
B-378
Todd To jZ12345@earthlink.net
BoocklAttomey/LegaVCF/CCI
cc
04/02/2007 02:46 PM
Subject Samaan v. Zernik
Or. Zernik,
Thank you for speaking with Sandy Shatz and me earlier today.
First. I want to reiterate to you that, as you l;now, Passover begins at sundown this evenin!], and I plan to
celebrate it with my family. You have proposed making an ex parte application tomorrow morning and I
requested that, in light of the Jewish holiday and the preparation that goes into it, you wait until ThJrsday
or Friday for your ex parte application. You have not confirmed whether or not you will move the heanng
to Thursday or Friday, but told us that you would send an e-mail with a proposed stipulation. I recGived
your proposed stipulation and am happy to agree to having your motion heard on no less than 16 court
days' notice (plus 5 days if you send it by l11ail). I will not agree to the excess wording, though. ancj th'olre
is no time for me to prepare the stipUlation and file it today. But you now have it in writing thaI we will
agree to have your motion heard on at least 16 court days' notice. which should be sufficient to take off
the ex parte. I will again tell you that we will move for sanctions against you if you force me to interrupt my
observance of the Jewish holidays and appE!ar at your ex parte application tomorrow. As I said in my
previous e-mail, courts expect counsel to change hearing dates when it inconveniences other COUlsel,
and this court will not be pleased if you refuse to do so. I also again point out the numerous defects in
your notice, including the lack of a time ancllocation.
We understand that the ex parte application relates to a motion to compel production of other documEnts
pursuant to a subpoena served on Countrywide. Today, we met and conferred concerning that
subpoena, and we are in the process of looking for other documents. Accordingly, because we are stjll
meeting and conferring on these issues, any motion to compel is premature.
Second, I repeat what I have explained sevBral times to you, that I represent the company in Ihis matler.
Consequently, we demand that you solely communicate to me as to your subpoenas and the relaled
issues. To be clear, do not contact olher Countrywide employees in general and Mariela Garcia ill
particular. If I learn that you have continued to contact Ms. Garcia or other Countrywide employees. we
will move for a protective order and seek sanctions against you.
Finally, this is to confirm that we have produced all documents within our possession, custody and control,
which are responsive to your subpoena. However, we are presently looking for two documents: ':1) Maria
McLaurin's November 6, 2006 letter to Vidor Parks _. you already have this letter, Dut we will send it to
you again if we locate an internal copy; and (2) the Underwriting Decision/Condition Letter that was
printed on October 26, 2004, which we discussed during our conversation. If we are able to locate these
documents, we will send them to you.
Please let me know as soon as possible whether you will persist in making your ex parte application
tomorrow. I am leaving my office at 3:45 pm, so I expect to hear from you by then. Thank you, and have
a Happy Passover.
Todd Boock
1st VP, Sr Legal Counsel
EX --... E_... ~ ~C.3 .rJ L

Ex~VOlume B
B-379
Notice #3
Exhibits Volume B,
B-380
Notice #3
Exhibits Volume 8
8-381
BoockJAttomey/LegaUCFfCCI
cc
04/13/200702:51 PM
Subject Re: Declaration of Custodian of Records[J
Dr. Zernik,
Your e-mail mischaracterizes my conversation with you.
You called me this morning after you sent your ex parte notice and told me that you wanted the words "all
of the records" included in the custodian of records declaration. You said that this would be suffider1t for
you to withdraw the ex parte application. I said that I would take a look at the declaration and ge·: back to
you later today, but you demanded that I gE!t back to you within an hour.
I called you a short time later and said that 1 thought that we would be able to resolve the issue ald you
would be satisfied, but t needed a little more time than an hour. I told you that 1 should know by tl,e end 0:
the day. When you asked me to send you an e-mail, I did not say that I would not. I said that I would
rather not until I actually have some confirmation or something concrete to say. Nonetheless, I h3d
planned to convey the status to you via e-rnail, but was out eating lunch and just returned to my Offjoc1.
In any event, I now have concrete information. We have revised the declaration, and I bE'lieve that trlis
resolves the issue. The new declaration is attached, and a hard copy will follow in the mail. Please
confirm that your ex parte application is oft calendar.
On a related topic, we are ready to schedull~ a time for you to review the original loan documents Please
provide me with several dates and times that you are available to come in and review the documents
Obviously, next Friday, April 20th will not work, since we will be at Maria McLaurin's deposition (~hicll you
confirmed would be going forward). I am also unavailable on Monday, April 16th.
Finally, I remind you to please direct your communications regarding the subpoenas and related topics
solely to me. Your prior threats to Ms. Garcia were completely inappropriate. and we ask that you not
communicate with her. As I have explained on numerous prior occasions, I represent Countrywide and all
of its employees in this matter.
Thank you.
Samaan v. Zemik·· Dec. Custodian of Records.pdf
II Counbyvvkkr
Todd Boock
818-871-6045 Office 5220 Las Virgenes F:c1

92-585-6045 Internal Mail Stop: AC-11
818-871-4669 Fax Calabasas, CA 91302
Notice #3
Exhibits Volume 8
8-382
Todd To jz12345@ea11hlink.net
BoocklAnomey/LegallCF/CCI
cc
04/16/200701 :04 PM
Subject Samaan v. Znrnik
Dr. Zernik,
I am in receipt of the 3 e-mails you sent to me over the weekend (one on ArJril 14th and two on April 15th)
and I am aware of the voicemail you left for Mariela Garcia (on April 14th).
Your e-mails mischaracterize the history of this matter as it relat,=s to Countrywide. We mceived and
properly responded to the subpoenas. Where you had additional questions, we have be~!n more than
cooperative with you and took the appropriate time to accurately and completely address each 01 the
issues you have raised. The arbitrary deadlines you have set are unreasonable, especially since you are
aware that I was supposed to be out of the office at a deposition today. My deposition was cancellf~d, but
you did not know that until just now. The following responds to issues raised in your communicatIOns this
weekend:
Inspection of Original Documents
I asked you to provide me with several dates and times that you are available to come in and review the
documents. The single time you provided does not work for us. Please provide me with several dates
and times, so that we may coordinate with all parties.
You have requested to meet with Mariela Garcia in person. We do not see any reason fOl' this meeting,
especially in light of your recent threats against Ms. Garcia. We have provided you copies of the
responsive documents and will make the onginals available for your review_
Your Continued Direct Communication With Ms . Garcia
This is the last time I am going to tell you that, as an employee of Countrywide, Mariela Garcia is
represented by counsel and is not to be contacted directly by you_ As a represented party, she is not
going to contact you directly and tell you that. I have repeatedly explained to you that I represent
Countrywide and all of its employees in this matter, and any and all communication regarding this matter
is to be directed solely to me.
Your Continued Harassment of Ms . Garda and Countrywide in Ganeml
I must demand that your harassment of Ms. Garcia and Countrywide in genl~ral stop immediately. You
have called, e-mailed and written us innumerable times, often wilh unsubstcmtiated accusations of fraud.
threats of legal action against Countrywide Hmployees, arbitrary "urgent" deadlines and last-minut(~
notices of baseless hearings. You have now demanded to meet with Ms. Garcia personally, or you will
subpoena her to testify. You have also called her directly again, despite my repeated demands that you
stop doing so. If you continue to harass us, including serving a subpoena on Ms. Garcia. we will have no
choice but to move for a protective order and seek sanctions against you.
Your Recent Requests for Ms • Mclaurin's Records
You did not provide proper notice to Ms. McLaurin and/or Nivie Samaan in your subpoenas, and we
objected to your subpoenas on that basis.
Exhibits Volume B
B-383
Countrywide·s Subpoena Compliance
As our custodian of records declaration states, we have producl~d' all documents responsive to your
subpoenas within our possession, custody and control, subject 'to the objections previously servEld. We
have complied with our legal obligations as to the sUbpoenas. However, as a gesture of good faith, we
offered to allow you to review the original documents, which we will stilt allow you to do.
Litigation Conduct
Please immediately cease your repeated accusations of fraud, conspiracy and other nefarious deeds
against me and my colleagues. These accusations are baseless, inappropriate, offensive and in liiolation
of Los Angeles County Superior Court Local Rule No. 7.12(d), which requires that counsel "should at all
times be civil and courteous in communicating with adversaries." As someone representing himsEM in
propria persona, you are bound by these rules.
Finally, please provide us with the $95.95 set forth in our April 12, 2007 invoice.
Thank you.
Todd ~oock
818-871-6045 Office 5220 Las Virgenes Rd

92-585-6045 Internal Mail Stop: AC- 11
818-871-4669 Fax Calabasas, CA 91302
EX~ II_.~ R~ffJ--ii1--

Exhibits Volume 8
8-384
Notice #3
Exhibits Volume B
B-385
Subject URGENT' RESPONSE DEMANDED BY WEDNESDAY,

JUNE 20, 2007, 500PM- 1) DECLARATIONS BY MARIA
MCLAURIN, NOVEMBER 2006, MAY 2007 2) UNSIGNED,
UNAUTHENTICATED Ut'<DERWRITING LETTER OF
OCTOBER 2(i, 2004 3) APPARENT VIOI_ATIONS OF
REGULATION B MENTIONED IN SAMAJ\N V ZERNIf<
June 15. 2007
Att Todd Boock

Countrywide
URGENT: RESPONSE DEMANDED BY WEDNESDAY, JUNl: 20,2007, 5:00PM-

1) DECLARAnONS BY MARIA MCLAURIN, NOVEMBER 2006, MAY 2007
2) UNSIGNED, UNAUTHENTICATED UNDERWRITING LETTER OF OCTOB~:R 26,
2004
3) APPARENT VIOLATIONS OF REGULATION B MENTIONED IN SAMAAN V
ZERNIK
Mr Book:
Starting in December 2006. I communicated with you and others in the Legal Department of
Countrywide various aspects of the conduct of Maria McLaurin. Branch Manager at
Coulltrywide Home Loans. San Rafael Wholesale Branch. Studying subpoena documenls in
Samaan v Zernik, and data provided by branch Underwriter indicated that McLaurin had all
ongoing relationships with some loan broker(s) with the goal of perpetrating fraud against
Countrywide (heretofore indicating CFC, Inc, and/or any of its affiliates and subdivisions), a
Federally backed mortgage lender. By estimate of the Branch Senior Underwriter, tht: fraud rate
in that branch reached around 2004 90 1Yo. where estimates by the FBl put fraud levels at 30-40%
in California in general. The pattern as a whole titted perf(:ctly with what FBI reports describe
as a loosely organized white collar crime networks harvesting stunning sums (all estimates are
believed to be guesswork at best) in an epidemic of real estate and mortgage fraud, centered in
Southern California. Needless to say, Countrywide is the sub-prime market leader, centerl'd in
Southern California as well. FBI considers the tight against this epidemic a national priority!
The overall picture emerging from the fi.le is of total collapse of checks and balances in
Countrywide. Gross violations escape all controls, since the fraud is perpetrated from above led
by the Branch Manager - and the dissenting Underwriter was quashed:
• Managerial Controls - the Senior Underwriter. who did not cooperate in the fraud. lost
her job instead
• Internal Audit - adulterated 1003 with not valid Receipt Date, adulterated fraudulent
Exception Requests by Branch Manager
• External Audit - same
• Legal Oversight - the Legal Department appears more as an accomplice with white collar
criminals than part of any compliance monitoring
EX_J_._~,,_. PG #3. _~J~

Notice
Exhibits Volume B
B-386
• Federal Regulators - complaints to regulators are easily deflected, through cover up by

the Legal Department
Over half a year since my first report to the Legal Department, it appears that Countrywick never
took any action in this regard. If anything, the Legal Department was busy stonewalling.
obfuscating, and defending McLaurin, who is still holding the same position as before. I am not
aware of any reporting you made to supervisors, as required by Sarbane-Oxley, or to SEC, Thrift
Regulators, Trade Commission. or the Federal Reserve. You refused to answer any questions in
this regard. Instead, you informed me that my attempts to directly inform Mr Mozitlo, Chairmar
of the Internal Audit Committee, were intercepted, and any attempt to communicate with
anybody at Countrywide, but you, would be considered "harassment' of Countrywide, and
would result in legal action.
A March 2007 column by Pulitzer Prize winner, Gretchen Morgenson.in the NYT. predicted the
ominous collapse of Countrywide, which she compared to Enron - an inherently corrupt
organization. She differentiated that the collapse of Countrywide would be much slower - a train
crash in slow motion, and also, that the damage inflicted 011 the American economy and many
many families would be much bigger.
In Meet and Confer discussions. you denied that McLaurin was involved in fraud. since her
scheme related to mortgage approval and funding of a loan for the buyer, Samaan. in the aborted
purchase agreement of my residence, never materialized.
Similarly, I was informed by Thrift Supervisors, that Countrywide w;ed the same argument to
deflect my complaint.
Needless to say, I am no bank regulator, but data indicating that a WHOLESALE BRANCH
MANAGER, who may approve up to $50,000,000 A [)A Y in mortgage investments, is involvec
in an ATTEMPTED FRAUD, was worthy of reporting and investigation as a MATERIAl.
DEFICIENCY. Moreover, as detailed below, THIS CASE PROVIDES THE TEMPLATE
FOR ROUTINE SCAM TO OVERCOME COUNTRYWIDE'S APPEARANCE OF
SAFEGUARDS AND COMPLIANCE WITH LAWS AND REGULATIONS (E.G,
REGU LAnON B). and surely the scam described here 'Was not used here for the first time.
As fuJly clarified to you over the months since then in many communications. Samaan's loan
application (1003) was replete with false and fraudulent data:
• its Date Received stamp was adulterated, but you could not or would not explain by
whom, when. where, why, and under what authority
• Many documents indicate that the loan was allowed to be continuously reviewed longer
than permitted by Regulation B. through manipulation of the Date Receivl~d data.
• You could not produce or would not produce any documentation of the correct Date
Received for the loan application
• the signature on the 1003 was not that of the Loan Broker, Victor Parks
• Samaan stated in deposition that the loan broker never even talked with h(:r
• on the 1003 Parks is listed as the telephone interviewer
• Samaan stated in deposition that her husband, who does not hold any relevant licence,
and probably is prevented from ever holding any such license, was the one who prepared
EX ,-~_£ __ ~-~b60r0;;;t-- .
B-387
the applications
• Samaan. who at the time made her living on the Payroll of a department store as
cosmetics saleswoman claimed in loan applications that she was the president and :~ole
owner of a corporation Spellbound Enterprise, Inc. for at least 4 year. v.lith no othe"
employment, and with income of $400.000 per year
• That corporation was established less than a year earlier, and according to its web page.
engaged in web retail sales for consumers of the psychic and the occult - "The
Supernatural Superstore" - providing Tarot cards, divining ol:~ects. anointment oi Is. and
crystal balls.
• That Loan Application, prepared by the newly wed husband listed his wife as an
Unmarried Woman. in violation of laws and regulations for a Community Property State.
• As clearly indicated in Clues report and conditions set by the duly assigned Underwriter,
this application had some of the cardinal signs of fraud - discrepancies in employment, in
residence. in source of income, in source of funds.
• Regardless of conditions set by Underwriter, the applicant would not divulge "Type l l f
Business"
• The business license provided by applicant contradicted the statements sht~ made in the
application, and was not accepted by the Underwriter
• The explanation applicant provided for discrepancies in residt~nce statement was deemed
unacceptable by Underwriter
• Telephone numbers provided by the applicant did not match lip with other busine:;.s and
residence information provided
• When the loan was not approved by the Underwriter. McLaurin filed an Exception
Request where the income was increased through a "typo" to $4,000,000 a year
• In same Exception Request credit determinations made by YOLlr expert 5) ')1.em - Clucs.
and the duly assigned Underwriter werc turned upside down by McLaurin
• The loan application was missing the Broker's signature on the Broker's certification in
all Underwriting Letters you produced
J probably forgot some of the fraudulent data, the list is too long. But one of the 1110st notable
features was that McLaurin, through her conduct, seemed to endorse the invalid 1003. which was
for the wrong loan program (no documentation, >$I.3m. on a program that allo\\-s no
documentation for only up to $150,000), at a 0.75% lowered interest rate. In fact. it allowed the
Borrower to misrepresent lack offunds to close. and lack of reserves. And if closcd. it would
have provided the Borrower over $1 a.ooo discount for no obvious reason (except tor the obvious
relationship between applicant, her husband. and his cousin - all involved in the mortgage
industry. and the Bank manager), and probably justified the personal time and eft(Jrts of the
Branch Manager. ..
Frazier, the duly authorized Underwriter refused to issue any credit decision prior to receipt of
valid. correct 1003 loan application. But the handling of this loan demonstrated a simple route
around sound Underwriting principles required by Federal regulations. The applicant waitl~d,
and seemed strangely uninterested in addressing the deficiencies in h,~r application. Instead, she
probably was waiting, as part of a routine scam. for the loan application to be suspended
(10/25/04) for incompleteness 10 days after receipt (10114/04). In fact. according to the duly
assigned Underwriter, the application was uniquely incomplete at submission. probably by
design...
Following that suspension, the Bank Manager had no problem usurpng the Underwriting
authority of the duly assigned Underwriter, bypassing all security and Underwriting safeguards,
and overturning all Underwriting Decisions/Conditions.
For example, she filed both her Exception Report (10/25/04) and her Appraisal Request
(10/25104) without obtaining new, valid loan application 1003 from the applicant. Therefore, she
had no way to adjudicate the application, since all calculations listed by the applic:ant on the
1003 used fraudulently lowered interest rate.
Gadi, in Division Underwriting Support, conditioned his approval (10/29/04) on the following
stipulations:
a) that all information provided to him was true - but the annual income, fictional to start out.
was IO-fold increased, AND the credit determinations presented to him were opposite those of
CLUES and the Underwriter, without any discemable foundation
b) that all conditions stipulated by the Branch Underwriter be enforced - these condit ions were
already ignored by the time the Exception Request was filed. and seemed to be ignored in al I
later Underwriting Letters.
On 10/26/04 McLaurin, for no obvious reason, issued a false, invalid, unsigned, and
unauthenticated Underwriting Letter that appeared to be issued by Frazier, the duly assigm:d
Underwriter, as ifshe was still in charge of the application (where in tact McLaurin had by then
usurped Underwriting authorities). The Underwriting Letter stated that the application had been
suspended (where in fact by then McLaurin had moved the application to the fast [rack - by
applying for Review Appraisal and Exception Request).
In court filings in November 2006, McLaurin provided a statement on Countrywide letterhead,

accompanied by a copy of the invalid Underwriting Letter of 10/26/04, in support of claims by
Samaan that:
- such Underwriting Letter was issued on or around October 14,2004
- such Underwriti ng Letter showed that the Loan was susp<;nded on or around October 14. 2004
- such adverse actions were initiated ONL Y because of missing initia.ls of seller 011 Purcha~,e
Agreement, that according to legal authorities is fully executed absent such initials. given the
language of the fully executed Counter Offers.
THESE CLAIMS, FULLY SUPPORTED BY MCLAURIN, WITH APPARENT

ENDORSEMENT OF COUNTRYWIDE - GIVEN THE CONDUCT OF THE LEGAL
DEPARTMENT - ARE ON THEIR FACE AN ATTEMPT TO DECEIVE THE COURT AND
DEFRAUD ZERNIK, TO THE TUNE OF $1,000,000 - $1,500,000:
A) IN FACT, SAMAAN NEVER SUBMITTED A PURCHASE AGREEMENT AND JOINT

ESCROW INSTRUCTIONS WITH HER LOAN APPLICATION IN THE FIRST PLACE, AS
EVIDENT FROM THE LOAN FILE, AND ALSO AS CONFIRMED BY THE DULY
ASSIGNED UNDERWRITER - FRAZlER.
B) THEREFORE, THERE WAS NO WAY FOR ANYBODY AT COUNTRYWIDE TO
cv ~
L- .1\. _".~"d- __ Dr."
~C\.,~ _. ~2
-:'L
Exhibits Volume B
B-389
ASSESS THE AGREEMENT UNTIL OCTOBER 22, 2004, THAT IS- AFTER ESCROW WAS
ALREADY CANCELLED.
C) THE FIRST EVER COpy OF THE AGREEMENT FOUND IN COUNTRYWIDE'S LOAN

FILE. WAS FAXED ON OCTOBER 22, 2004, BY SAMAAN HERSELF, AND WAS
STRANGELY MISSING TWO ELEMENTS THAT WERE CRITICAL FOR FULL
EXECUTION OF THE AGREEMENT. BUT WERE BOTH THE RESPONSIBILITY or
BUYER SAMAAN:
i) SAMAAN'S SIGNATURE WAS MISSING ON PAGE 8 OF THE AGREEMENT,

WHICH IS CRITICAL TO PRODUCE A VALID OFFER, WHICH WOULD TIII::N BE
SUBJECT TO THE COUNTER OFFERS.
ii) SAMAAN'S INITIALS WERE MISSING ON PARAGRAPH 8 OF COUNTER
OFFER NO 2, MEANT TO INDICATE ACKNOWLEDGEMENT OF ACCEPTA1\CE
BY THE BUYER - SAMAAN. AND WITH THAT - FINAL EXECUTION OF THI:
AGREEMENT
D) THE SECOND, AND ONLY OTHER COPY OF THE PURCHASE AGREEMENT. WAS
RECEIVED ON OCTOBER 25, 2004, AND WAS COMPLETE. WITH ALL INITIALS AND
SIGNATURES
i) IT IS NOT CLEAR WHO SENT IT. EVIDENCE SUGGESTS THAT ALL ALOl\G
SAMAAN IMPERSONATED HER LOAN BROKER, AND ALL FAXES APPLARINCi
AS HIS, ARE IN FACT FROM HER OWN FAX MACHINE.
ii) FOR EXAMPLE - COMPARING THE LOAN BROKER SIGNATURE
APPEARING IN COURT FILINGS, WE COULD NOT IDENTIFY ONE SINGLE
AUTHENTIC SIGNATURE IN THE WHOLE LOAN FILE, OR FOR THAT MATTER
ON THE ORIGINAL FRAUDLLENT PRE-QUALIFICATION LETTER.
iii) ALTHOUGH THE FAX PRODUCED BY COUNTRYWIDE APPEARS AS
ARRIVING FROM PARKS ON OCTOBER 25, 2004, PARKS PROVIDED A
DECLARATION UNDER PENALTY OF PERJURY, THAT IT WAS FAXED
"IMMEDIATELY" AFTER IT WAS RECEIVED FROM ESCROW ON OCTOBER 22,
2004.
iv) THE DOCUMENT PRODUCED BY PARKS IN COURT, WHICH HE STATI::D
UNDER PENALTY OF PERJURY WAS THE ONE HE HAD FAXED TO
COUNTRYWIDE, WAS MISSING ZERNIK'S INITIALS AND SIGNATURES. IN
CONTRAST WITH THE DOCUMENT PRODUCED BY COUNTRYWIDE, REPLETE
WITH ZERNIK'S JNITIALS AND SIGNATURES.
v) THIS WRITER HAS PERSONAL KNOWLEDGE OF THIS DOCUMENT - THE
DOCUMENT IN COUNTRYWIDE'S CUSTODY IS A TRUE AND CORRECT COPY
OF THE DOCUMENT, WHILE THE DOCUMENT PRODUCED BY LOAN BROKER
PARKS IS THE PRODUCT OF ADULTERATION, RATHER THAN THE OPPOSITE.
E) MARIA MCLAURIN, REPRESENTED AS SPEAKING FOR COUNTRYWIDE,

THROUGH HER DECLARATION AND LETTER TO COURT, AND THROUGH SUPPORT
OF THE FRAUDULENT PRESENTATION OF THE 10/26/04 UNDERWRITING LETTER,
C)( I O~
~ ~ ------Netire-#~:a.
J
_3.:1--
Exhibits Volume 8
8-390
AND THE 10/25104 ADULTERATED PURCHASE AGREEMENT. FULLY SLJPPOR fED

SUCH FRAUD AND DECEIT.
F) COUNTRYWIDE, THROUGH ATT BOOCK, WAS MADE AWARE OF THESE ISSUES

AT LEAST SINCE DECEMBER 2006. IT APPEARS THAT COUNTRYWIDE DID
NOTHING TO STOP MCLAURIN FROM CONTINUING AND ELEVATING THE LEVEL
OF HER PARTICIPATION IN THIS FRAUD THROUGH MISLEADING THE COURI S.
WITH THAT - COUNTRYWIDE AS A CORPORATION, AND THE LEGAL

DEPARTMENT IN PARTICULAR, APPEAR AS A FULL ACCOMPLJCES IN
PERJURY, PROCURING OF PERJURY, FRAUD, DECEIT, AND CONSPIRACY.
The transaction was tenninated by Zernik following a Notice to Buyer to Perform. and a "alice
to Cancel, when Samaan failed to remove both her Loan Contingency and her Appraisal
Contingency long after the time set in her Purchase Agreement. Therefore, you claimed. there
was no loss to Countrywide or the Federal Government, no fraud perpetrated. and no need for
the Legal Department to take any action.
Similar claims were raised by Countrywide in response to complaint I filed with Thrift
Regulators.. Countrywide Bank argued that Samaan's loan would never have been funded had
the transaction not been canceled.
However. McLaurin. in court declarations. supported applicant Sama:an's claims that are
diametrically the opposite - that the loan would have definitely been approved and funded had it
not for Zernik's initials of seller on the bottom of California Purchase Agreement and Joint
Escrow Instructions. That - regardless of the true facts in this matter:
a) The document presented by Parks as the one sent to Countrywide was a fraudulent forgery.
The document faxed to Countrywide on October 25,2004. and still in Countrywide's custody,
included all seller's initials and signatures.
b) The only other Purchase Agreement appearing in the Loan File was received by Countrywide
on October 22. 2004, and was missing critical Buyer's initials and signature.
c) Prior to October 22,2004. this loan application claimed to be received October 12,2004. and
probably received much earlier (the stamps were adulterated), never included any copy of the
Purchase Agreement. Therefore, McLaurin or others at Countrywide' could never adjudicate any
initials or signatures prior to October 22. 2004. Definitely, the file did not include any copy of
the Purchase Agreement from October 14, 2004 to October 22, 2004, as confirmed by both the
Loan File and the duly assigned Underwriter.
d) Any Broker or Realtor questioned about this case expressed amaz(~ment at the outland ish
claims brought in the name of Countrywide. In this day and age, even loan applications are often
unsigned prior to closing (and Samaan'~ Loan Applications., fraudulent from A to Z, showed
signatures that surely did not belong to her Loan Broker).
e) Legal consultants appear positive that the agreement as such is executed without the initials.
given that the Counter Offer. fuJly executed, stipulate that all provisions of the Agreement are
fully agreed upon by both parties.
But the Legal Department of Countrywide does nothing to stop this ongoing attempt at fraud.
EX _..~_£·~9.t!C~G _,?3._'~_ _
Exhibits Volume B
B-391
•.".-.
This time - not undercover fraud, but fraud in broad daylight, in full view of all internal and
external audit, regulatory and supervision safeguards.
This notice is to demand that you provide, on behalf of the Legal Department of Countl)'\~ ide,
answers for the following questions related to the First Lien Loan Application of Samaan.
claimed to be received on 10/14/04, and as represented in:
a) Countrywide's production ofbusine&s records ofSamaan's Loan files in Samaan v Zernik
b) Countrywide's responses to complaint file with Thrift Regulators in early 2007
c) Countrywide's responses to a complaint file with Federal Trade Commission from 2007
d) Countrywide's customary business practices
e) Countrywide's reports to regulatory agencies
1) Are you aware of the declaration of Maria McLaurin, signed on May 23. 2007, and fi led in
court on May 25, 2007, as part of litigation in Samaan v Zernik?
2) Did you approve this declaration in advance of its filing?
3) If you are not familiar with this declaration, I demand that you immediately obtain a copy
from Maria McLaurin, and inform me - does Countrywide approve cfthis declaration at pl'esent?
4) Did you approve McLaurin's letter of November 6,2006 ahead of its filing?
5) Does Countrywide approve of the content of the Novem bel' 6. 2006, letter at present?
6) In Meet and Confer you indicated that the unsigned, unauthenticated, Underwriting
Cond ition/Decision Letter of October 26, 2004, produced by McLaurin in her court filing. was
not part of Samaan's Loan Application File, and indeed it was not part of any orthe subpo,:na
production in August 06 and in January-February 2007:
Does Countrywide consider at present that unsigned, unauthenticated Underwriting Letter 01'
October 26,2004, as a valid part of Samaan Loan Application Underwriting proc,;:ss in 2004?
7) Who was the du Iy assigned Undenvriter of Samaan's Loan on October 24, 2004? October 25,
2004? October 26, 2004, October 27,2004, October 28,2004, October 29. 2004,?
8) Under which circumstances is anybody other than the duly assigned Underwriter allowed to
issue an Underwriting Letter?
9) Under which circumstances is anybody, including the duly assigned Underwriter. allowed to
issue an unsigned Underwriting Letter'?
10) Does Countrywide agree with the various statements made by Maria McLaurin in her
declarations of November 2006 and May 2007 regarding the October 26.2004 Underwriting
Letter?
11) Are you [ami liar with various statements in declarations, emails, and fi lings of Keshavarzi,
Parks, and McLaurin, which on their face appear as gross violations of Regulation B by
Countrywide?
12) For example. does Countrywide allow a "source" in San Rafael Wholesale Branch to
verbally notify a loan broker of the disposition of loan applications, including conditions for
approval and action taken, without any written notice, and at times in contradiction of written
notices?
13) Are you familiar with the fact that Samaan, the Borrower, directly managed her Loan
Application Underwriting, at times by direct communication with the Underwriter and others,
and at other times by misrepresenting fax communications as coming from her Loan Broker?
14) Does Countrywide approve of BOlTowers managing their own Underwriting Brokerage and
communicating with the Wholesale Branch?
15) Are you familiar with the fact that Samaan stated in her deposition that she did not even Lalk
with her Loan Broker, let alone present him in person with any documents that \\ue presumably
the basis for the loan application 1003?
16) Are you familiar with the fact that Samaan stated in her deposition that her husband. who is
her Loan Broker's cousin, was the one who prepared her loan applications?
17) Does Countrywide approve as part of its business practices of Bcrrower's spouse. who holds
no license, and possibly is barred from ever holding a license, to prepare Borremer's Loan
Applications?
18) Are you aware of the multitude offraudulent data incorporated in Samaan's Loan
Application 1003?
19) Does Countrywide approve of such fraudulent loan applications?
20) Was Gadi ever made aware that the income presented to him, of $4,000,000 had no basi~ in
reality?
21) Was Gadi ever made aware that the credit determinations appearing on Exception Request.
Branch Input. had no base in reality. and were produced without any supporting Underwriting
Notes?
22) Did McLaurin ever run CLUES report on Samaan's application as demanded by Gadi. after
10/25/04?
23) If so, why was it never presented in subpoenas?
24) If not, how was she allowed to proceed with loan approval without any alarm raised by any
of the internal audit, external audit, legal, managerial, and regulatory oversight mechanisms?
25) Did Samaan ever satisfy the condition originally set by Frazier 011 October 14,2004, then
repeated by Gadi on October 29,2004, that Samaan must submit valid loan appl ication ( I 0(3)
showing the correct interest rate and the correct calculations based on such intcn:st rate in Ilcr
loan application J 003?
26) If so, why were 110 such loan applications (1003) produced in subpoenas?
27) Did Countrywide ever provide approval Samaan's First. Lien Loan Application without ever
receiving a valid loan application 1003 as described in 14) above?
28) Was Samaan;s First Lien Loan ever unconditionally approved for funding?
29) Would Samaan's Loan Application 1003 be approved ifpresented today for Underwriting?
For ending - some simple ones:
30) What was the true receipt date of Samaan's Loan Application?
31) Who, when, why, and under what guise adulterated the Date Received stamp?
32) Did Countywide really never conducted any investigation of this gross violation of
Regulation B?
33) You are fully aware, after it was pointed out to you numerous times. that Samaan's income a:;
listed in the printouts of Exception Request, Branch Input, is a rough adulteration. The printout
was covered with whiteout - and a new figure handwritten in. Detailed reading ol'the document~;
explained why:
McLaurin increased Samaan's income, fictional to start out., ten-fold. to $4,000,000 per year. for
the Exception Request. But the file copy was made to appear in synch with the loan application
at $400,000 per year.
Did you ever investigate who made this adulteration?
Was there any report issued?
Were there any violations of Countrywide's practices in these actions?
/j----
E)( -----=--.
T . '-"Exflibits''''~IlJfl'le-8--
NeP(~ ~~) S
8-393
RESPONSE DEMANDED BY WEDNESDAY, JUNE 20, 2007. 5:00PM.
Joseph Zernik
ps:
It is Friday afternoon, and I must end on a personal note. I was born in Jerusalem.. on my
Mother's side- of a Hebronite Jewish family descended from Rabbi Schneerson and Sephardic
roots combined, and on my Father's side, descendent from the German Rabbi Akiva of Egl~r. I
married a descendent of the Luzzatto family. Combined, my children, who grew up in this
residence, and my teen age son. still living here, hold a vast treasure of Jewish family memories
over the generations.
I was disgusted and appalled by your hypocrisy, representing yourself as an observant Ol1hodox
Jew, in order to avoid ex parte appearance in court to represent your positions - supporting fraud
and deceit.
I was simi larly disgusted when 1 recognized that Sandor Samuels, th,~ head of your department,
and an orthodox Jew, serves as the 2006-7 President of the Board of Beth Tzedek. a Jewish
charitable organization for legal aid. Fraud prevention, and in particular real estalle fraud
prevention are advertised as a high priority. And the Orthodox Jewish lawyers who refused to
represent me in this case because of the Orthodox Jews in your department only made it more
abhorrent. Your department, as managed by Samuels, based on your conduct to date, appears
dedicated to aiding and abating real estate and mortgage fraud committed by a Countrywide's
Branch Manager.
Combined, the conduct of your department over the last half year bears testimony to a Legal
Department that disregards the rule of the law, and suppons abuse ofjustice. In printing Belh
Tzedek's logo "Tzedek Tzedek Tirdof" ("Justice, justice you shall pursue " ) in Beth Tzedek's
brochures, bearing his portrait photo, Samuels and you jointly make ridicule of that
commandment, whose words have been admired over the millennia by Jews and non-Jevlls alike.
I find this particularly poignant since in 2006 1published by commission a French translation of
Hebron Stories by Shami (1888-1949) for the Calvinist Church of Switzerland. after publishing
it in English in 2000 to rave review by the Los Angeles Times. The themes of these storie~, I told
the French non-Jewish readers in an epilogue. were those of the Hebrew Prophets - Micah and
Amos who lived walking distance from Hebron: social justice, and protest of hypocrisy through
overzealous devout religiosity.
"WiJ/ the LORD be pleased with thousands oframs, or with ten thousands of riven; ofoU?
ShaUl give my firstborn for my transgression, the fruit of my body for the sin l~r my soul?
He h4lth shewed thee. 0 man, what is good; and what doth the LOJW require ofthee.
But to do justly, and to love mercy, and to walk humbly with thy God?"
EX ----~~. NotiB3G _.:%

Exhibits Volume B
B-394
Notice #3
Exhibits Volume B
B-395
From:jz12345@earthlink.net
Subject: URGENT: Timed response required - demand for declaration by Countrywide
officer.
Joseph Zernik DMD PhD

320 South Peck Drive, Beverly Hills CA 90212 Tel: (310) 286-9567 Fax: (80 I)
998-09 17 Cell: (310) 435-9107
URGENT! TIMED RESPONSE REQUIRED! TIME I[S OF THE ESSENCEI

EMAILED TO ANGELO_MOZILO@COLlNTRYWIDE.cOM ANI) SENT VIA
CERTIFIED MAIL
June 23, 2007
Mr A.ngelo Mozilo, Chairman

internal Audit Committee
Countrywide*
RE: Samaan v Zernik, Samaan's I" Lien Loan Application #8137375
Dear Mr Mozilo:
I am approaching you as Chairman of Countrywidc's Internal. Audit Committee,

demanding actions to mitigate harm and damages to Zernik by Countrywid.::, and to
prevent further fraud perpetrated by San Rafael Branch Manager Maria McLaurin and
her associates.
]n 2004 Zernik listed his residence in Beverly Hills for sale. Nivie Samaan made an
offer, which was eventually accepted by Zemik. As later uncovered, Samaan was never
qualified to purchase the Property. She was a cosmetics saleswoman who fraudulentl y
represented herself to Zemik as a realtor who closed several dt:als a year, and who
fraudulently represented herself in her 1003 (Attachment #1) as solely deriving her
income as President of a Corporation. Her Prcqual ification Letter was a product of fraud
and an instrument of Fraudulent Inducement to obtain Zemik's consent to the Purcha~e
Agreement.
Maria McLaurin, Branch Manager, buyer Nivie Samaan, buyer's husband and McLaurin'
s friend Jae Arre Lloyd (formerly Timothy Lloyd Morrow), and his cousin and business
associate Victor Park, all operating in the field of real estate and mortgages, initiated in
2004, several types of fraud, all related one way or another to the pending sale of my
residence. McLaurin and Lloyd were most likely well versed in mortgage fraud, but this
fraud scheme did not work on schedule - approval ohhe J" Li{:n Loan #8137375 was
considerably delayed, possibly because Lloyd and McLaurin were trying to outdo
themselves this time and issue a fraudulent jumbo mortgage, with no documentation. find
at reduced interest rate. The latter proved more difficult than anticipated (Attacbm.~nt
Exhibits Volume B
B-396
#,2,#3, #4).
Fol1owing Samaan's failure to perform, and the realization, on several accounts, that she
was not dealing honestly, Zemik issued Notice to Perform, and later, after Samaan
refused to perform, he issued Instructions to Cancel Escrow.
A year later, in 2005, once the price of the Property considerably appreciated, Samaan
filed claims for Specific Performance, and placed lis pendens on the Property. Samaan's
claims initially appeared unsustainable and absurd, but false and fraudulent statements
and documents (Attachment #5) brought or supported by McLaurin kept the case ill
court for the second year now.
I demand your help in mitigating the damages resulting from unlawful, fraudulent
conduct of Maria McLaurin, To mitigate damages, and to help in stemming the
ongoing fraud and deceit perpetrated against Zernik, please personally ensure that J.
am provided by Friday, June 29, 2007, 5:00pm, a declaration by an authorized
officer of Countrywide, outlining relevant details shown below (Attachment #6),
Sincerely,
Joseph Zemik
* Countrywide here refers to CFe, Inc and all its subsidiaries and affiliate5.
PLEASE SEE COMPLETE DOCUMENT IN ATTACHMENT.
Joseph Zernik, DMD PhD <jz12345@eartb/ink.flet>

As part ofe.ffective communications, please respond to requests for emaillransmission
receipt, (f any.
Joseph Zcrnik. Dr-..fD PhD <jZ12345@earthlink.net>

As part ofeffective communications, please respond to requests for email transmission receipt, if
any. 07·06·24
~
Moz~o cover letter with short altachmets.pdf
EX~~ Noti~G
~- ;<t ---'_
Exhibits Volume B
B-397
Notice #3
Exhibits Volume 8
8-398 L
Original Message
From; j z 1 2 34 S
Sent: 06/25/2007 01:51 PM MST
To: sar.dor_samuels@countrywide.com
Subject.: URGENT: Timed t"esponse required - demand for a declarat.ion by "1
Countrywide Officer.
June 25, 2007
Sandor Samuels
Chief Legal Officer
Countrywide*
URGENT; Timed response required - demand for a declaration by a Countrywide Officer.
Dear Mr Samuels:
Below is a copy of a letter I emailed to Mr Mozilo in his capacity as [he Chairman of

Countrywide's Internal Audit Committee. In this letter J demand some immediate that he
immediately take action to mitigate damages to me resulting from th<: conduct of Maria
McLaurin, San Rafael Countrywide Home Loans Wholesale Branch Manager. I also left a
similar tetter for you on Friday in the offices of Bet Tzedek, where you are President of the
Board of Directors.
Phase 1- 2004: Typical "Straw Buyer" mortgage fraud compounded with rate/fee discount
As we have uncovered through subpoenas, in 2004 McLaurin was an accomplice to an attempted
mortgage fraud against Countrywide - a government backed mortgage lender. Her main
collaborator was lae Arre Lloyd (formerly Timothy Lloyd Morrow), veteran mortgage pro,:essor
(but not a license holder). In 2004 I had no knowledge of this, although the fraudulent mortgage
application was against my Beverly Hills residence, at that time listed for sale. Initially, no harm
was done to me either.
It appears that neither McLaurin nor Lloyd were new at it. But as sel~n through documents
obtained from Countrywide, McLaurin and Lloyd were trying to outdo themselves in this case.
They were not satisfied with a typical "Straw Buyer" mortgage fraud - issuing loans for about
Exhibits Volume 8
8-399
$1.5m for an entirely unqualified borrower. The borrower. Nivie Samaan, a department store
cosmetics saleswoman was represented in 2004 as Lloyd's newly-wed wife, although in 1003
and in Escrow documents she was listed as an Unmarried Woman, and future Sole Owner of the
property. Lloyd, the husband himself, was the one who introduced this fraudulent marital status
listing. As turned out much later, the person represented as the loan broker (Victor Parks, Lloyd'~
Ist cousin and business associate) was out of the loop.
This particular mortgage fraud was to be a family affair for the new-wed wife. And the "Straw
Buyer" mortgage fraud was to be compounded by fraud against Countrywide per se . by
obtaining the 1st lien mortgage at 0.75'% discount relative to prevailing rates and/or fees.
Unfortunately, as it turned out, the compound fraud was not as easy to pull offas these two
professionals, McLaurin and Lloyd, must have assumed. The local branch senior underwriter-
Diane Frazier - repeatedly refused to issue credit detenninations for 1003 mortgage applications
with major violations of loan program rules. And the Clues Expert System similaJrly issued a
"REFER" detennination.
McLaurin lIldeed tried to bypass the local underwriter and she issued a referral to Division
Underwriting Support - Demetrio Gadi - for an Exception Request. But Gadi wou lei not go a long
with that fraud either. Careful reading of his "approval" communication shows that he in eff~cl
did not approve any exception at all. The borrower was to add the 0.75%, as previously
deternlined by Frazier, and the borrow~:r was required to produce new, valid 1003s. Moreover,
Gadi reenforced the authority of the local branch underwriter and dctl~nnined that the branch
manager must abide by all conditions and decisions previously stipulated by Diane Frazier.
Moreover, he added new conditions that would make it even more dilTicult, or practically
impossible for McLaurin to get that fraudulent application funded. A new Clues Report was to
be issued prior to funding, and all documents had to be reviewed by a branch underwriter prior to
funding. In addition, Gadi introduced an unusual condition, to ensure that if the loan was ever
funded, damage to Countrywide was contained. McLaurin was instructed to issue a
non-delegated Mortgage Insurance at cost to branch, and demonstrate a certificate in the fik
prior to funding.
In fact this "Exception Request Approval" by Gadi, was a sounding vote of no confidence in the
integrity and professional judgement of McLaurin. I had no knowledge of any of that in 2004, as
the seller in the underlying real estate transaction. But both I and my realtor were getting
increasingly alanned by what appeared as repeated instances of dishonest dealing or worse, and
by failure of the buyer to perfonn. I was also waiting for buyer to remove her contingencies
prior to making a large deposit on my next dwelling. But buyer failed to remove the
contingencies, and I subsequently lost the dwelling that I had chosen as next for m~ and my
family. By that time, the typical California real estate transaction, with its measured dynamic
method of contingencies, intended to equitably distribute the risks and liabilities, was turned
upside down. It was clear that the buyer would not be able to close on schedule, but if I waited
any longer, she could force me to close at any time in the future, regardless of whether or not I
had secured an alternative dwelling. And she could also cancel without a major liability to
herself, since she still had not removed her last two contingencies (Loan and Appraisal).
1< NotiQr:~ ,if{)

EJ'( -----·--~xh~it;~~mes_-·---
B-400
Therefore. I issued a Notice to Buyer to Perfonn. In response, I received a letter from buyer in
which she explicitly refused to remove the last contingency (Appraisal), without any
justification. Indeed, she already had in her hand an appraisal that came in at sales price, and her
actions in this regard appeared as yet another dishonest dealing, which in retrospect is surelly
was. I then acted within my absolute right and issued Instruction to Cancel Escrow.
Events in 2004, in and of themselves, caused relatively little harm to seller compared to
subsequent events. These events in 2004 may appear to some as solely an attempt at fraud
against Countrywide, facilitated by a Countrywide Branch Manager. But in effect, the Purchase
Agreement stipulated that buyer "shall act diligently and ill goodfaith to obtain designated
loans". Therefore, the fraud was also against the seller. Seller had no consumer standing, and
for that matter no direct relationship whatsoever with Countrywide. But a Countrywide Branch
Manager with no discernable reason, was trying to hann seller by enabling and facilitating fraud
by buyer against seller.
Events in 2004 could not have taken place were it not for the willingness of McLaurin to
perpetrate mortgage fraud in collaboration with Lloyd and Samaan. It is also diflicult to assume
that what the underwriter, Frazier, herself described to me was entirely secret - a wholesale
branch where fraud was pervasive and underway on a daily basis, intense pressure was applied
on the legitimate underwriters to collude, total disregard for Jaws and regulations was abundant,
and the organizational structures and procedures that were put in place in Countrywide to
implement mandatory safeguards and comply with the law, appeared all gone. In t~lct, careful
analysis of Gadi's actions suggests that he was aware at least of some of it.
Phase II, 2005 - present: Fraudulent "Lis Pendens Squeeze"

By lale 2005 it was clear that real estate values in Beverly Hills had appreciated substantially
from 2004, against all experts' predictions. The fraud then entered Phase II. Samaan filed claims
for specific performance, based on the failed transaction in Phase I of this fraud, and she placed
lis pendens against the title of the property.
This type of fraud is also well known. The owner is left instantly without any control of his own
property, or his own finances for that matter, or his own time of day. Owner is not able to sell,
not even to enter a long tenn lease, and surely not even to refinance at a time of concerns Qver
swinging interest rates. Moreover, the litigation, beyond the aggravation, has become
exceedingly costly. At present, this case appears as one that can bring this owner to bankruptcy
and ruin, in a case that is what Bet Tzedek's mission to prevent.
Strange Bedfellows
The current situation put the owner, buyer, and Countrywide in unantiicipated positions: One
would have thought that Countrywide, as targeted victim of the Phase I compound fraud would
take action against a runaway Branch Manager and take a firm position against the
borrower/buyer.
In fact the opposite is the truth. Attorneys for the Legal Department clearly show no interest in
the fact that a Branch Manager attempted fraud against the bank. In fact attorneys for the Legal
Department have been trying to cover it up by producing partial responses to subpoenas, and at
times making deliberately false representations.
The buyer. who in 2004 had a check for $15,000 deposit bounce twice for NSF, has no\\- spent
by some estimates close to $200,000 on legal fees. And strangely enough, attorneys for the buyer
seem particularly interested in protecting the Branch Manager, who is not even their client. [n
return, the Branch Manager supplied buyer with fraudulent claims, fraudulent bank documents,
and make statements and declarations in court that fonn the foundation of this mal icious
prosecution.
Being a relatively senior manager, identifying herself as a Branch Manager, and submitting
papers on Countrywide letterhead, Maria McLaurin is clearly perceived in court as representing
Countrywide as a whole.
The damage caused to seller by this malicious and illegal conduct of McLaurin is enormous, and
is compounded by the day.
Demand for Immediate Action:

I sent an email to Mr Mozilo earlier, in his capacity as Chairman of the Internal Audit
Committee, and I also left you a similar letter last week at Bet Tzedek, marked "Urgent", and
"Personal". In the letter to you I indicated that I had approached Rabbi Shusterman, Av Bct Din
of Los Angeles, and he agreed in principle to host an informal meeting.
Given your position in Bet Tzedek, in Adat Ariel, in the Ziegler School of Rabbimcal Stucllies,
and statements you make on behalf of Bet Tzedek, and the little that I know about your
education, I cannot believe that had you known any of this, you would have let it stand one more
minute.
In the letter to Mozilo, as an immediate relief, I requested that an authorized Officer o[tht:
Corporation make two statements in a declaration that would be submitted in COllIt. These
statements, which I am confident are true, contradict fraudulent statements and assertions
repeatedly made by Maria McLaurin and her associates in court since November 2006. These
assertion form the core of the litigation. If the true facts in this matter are clearly articulated by
Countrywide, and if Maria McLaurin is barred from any further misre'presentation and fraud in
court, where she appears as representing Countrywide, this litigation would be over.
I look forward to hearing from you. TIME IS OF THE ESSENCE.
Joseph Zernik
Cell: 310435 9107
--~~~
* Countrywide here refers to CFC, Inc, and all its affiliates and subdivision.
Date: Mon, 25 Jun 2007 02:59:02 -0700

To: angelo_mozilo@countrywide.com
k- I;?oG~ __.4;'2-
- Exlliblts VolUllle B
6-402
Notice #3
Exhibits Volume B
B-403
Original Message
From : ~,z 12 34 5
Sent: 06/26/2007 04:58 PM MST
To: sandor_samuels@countrywide.com
Cc: rabbijj@adatariel.org
Subject: Fwd: Samaan v. Zernik -- Response To Your Correspondence to l\n:jelcl
Mozilo aGd Sandor Samuels
June 26. 2007
Mr Samuels:
I approached you as President of Bet Tzedek, where you represented your commitment to
fighting real estate and other types of fraud. Your response, through Mr Boock. appears
inconsistent with your representations as President of Bet Tzedek, and your stand ing in other
Jewish institutions, such as Adat Ariel.
As communicated to me by federal regulators (Thrift Supervisors), Countrywide in its own

defense in federal investigation stated the following: Countrywide would have never funded
Samoan's 1st lien loan.
Wouldn't it be the easiest case that Bet Tzedek ever resolved, if you made the very same
statement (9 words in total), in a declaration by you or by any other 0 fficer of Countrywide oj<.
Joseph Zern ik
*Countrywide here refers to CFC, Inc, and all its affiliates and subsidiaries
X-WSS-ID: OJK7ZHI-OE-OPE-Ol
To: jz 12345@earthlink.net
Subject: Samaan v. Zemik -- Response To Your Correspondence to Angelo Mozilo and
EX_.__ !:..~~~9Gi _~~~_

Exhibits Volum~
B-404
Notice #3
Exhibits Volume B
B-405
iz 12345@earthlink.net
07/021200710:09 AM To sandor_samuels@countrywide.com,
angelo_mozilo@cQuntrywitje.com
cc rabbijjb@adatariel.org
Subject URGENT! TIMED RESPONSE REQUIRED BY TUESDAY.
JULY 3, 2007. 5:00PM ATTACHMENT PART II
June 29, 2007
Angelo Mozilo, Chairman

Internal Audit Committee
Countrywide*
Sandor Samuels
Chief Legal Officer
Countrywide
Your response is required by Tuesday, July 3, 5:00pm.

ATTACHMENTS E-H WITH THIS COpy
Mr Mozilo and Mr Samuels:
You are addressed here in an urgent call for justice by a person, whose life is on the verge of ruin
as a result or wrong and dishonest conduct by a Countrywide manager who is deliberately
attempting to subvert justice in the Los Angeles Superior Court under Countrywide's name.
You arc the two individuals in whose person the safeguard of the integrity of the operations of
Countrywide is most clearly vested, and in whose power and authority it is to mend this wrong.
Rabbi Jonathan Bernhard, the Honorable R William Schoettler, and Rabbi Shustcnnan are
copied as witnesses to travesty of justice at various points along its way. Others arc copied, since
EX_l~~~ ~B~,di~
B-406
Sandor Samuels is also addressed as the President of Bet Tzedek (House of Justice), and in his
capacity in other prominent Jewish organizations in Los Angeles, such as Adat Ariel, and the
Ziegler School ofRabbinical Studies. Bet Tzedek is a not for profit Jewish organization
dedicated (0 the cause offurtheringjustice through free legal services to the needy, and to stem
fraud - with real estate fraud prevention listed at a high priority. Bet Tzedek is a worthy
institution, and one that can proudly be held as a symbol of the Jewi5h community's contribution
ito the people of Los Angeles in particular, and the historic contributi,:m of the Jewish
Community to American life in general. The work of Bet Tzedek \\as reviewed or mentioned for
their positive contribution to justice in the Los Angeles Times, NPR 's Market Place, the Los
Angeles Daily Journal, the Jewish Journal, and other publications.
In web pages of Bet Tzedek Mr Samuels states: "Whom do you call ifyou are elderly and
someone is trying to evict you from your apartment or your house? ... The answer to these ....
is a resounding Bet Tzedek! " (Attachment A ). I am not elderly, but a real estate fraud
perpetrated against me in the LA Superior Court by a Countrywide Branch Manager and her
associates, may leave me elderly and poor. In those web pages Mr Samuels expressed his
commitment to justice, and in this letter I call upon him to act based upon these commitments.
The biblical commandment "Justice, Justice You Shall Pursue" from the Five Books of Moses,
is featured prominently as the guiding words for Bet Tzedek . Indeed, that commandment, and
even more so the words of the Hebrew Prophets have been admired over the millennia by Jews
and non-Jews alike" ... To turn aside the needy from judgment, and to take away the right from
the poor ofmy people, that widows may be their prey, and that they may rob thefatheriess! "
Isaiah is probably the best known, in part through his reflection as a major influence on the
writings of the New Testament. Indeed, some of the figures that are held as beacons in th\~
contribution of the Jewish community to American law, followed the same path, and may be
eerily relevant to our matter:
Justice Louis Brandeis - one of his best known contributions was the Brandeis Brief· claimed to be
the first brief in the United States that relied on analysis of factual data rather than pure legal theory to argue a case,
documented the negative health effects of employees long working hours.
Benjamin Cardozo - known best for opinions such as:
• Hynes v New York Central Railroad Company - about the Duty ofCare of a large corporation in
relationship to individuals who were trespassers!
• MacPherson v Buick Motor Co. - which expanded Duty in Negligence Actions and reddined the scope 01"
Corporate Liability
• Berkey v. Third Avenue Railway - which removed the veil of complex corporate structures with
subsidiaries._
1IIde~d, President Franklin Delano Roosevelt, seeing in Brandeis a model Justice, affectionately
nicknamed him "Isaiah ", and the metaphor of "Ciry upon a Hill" for ajust society, featured in
President Reagan's Farewell Address, goes back through the puritan Winthrop and the Sermon
on the Mount to Isaiah as well.
I therefore also approach Sandor Samuels in the Spirit of the upcoming Justice Ball, on July
28th, 2007, the annual fund-raiser for Bet Tzedek , a model Jewish institution in Los Angels. I
wish Mr Samuels and Bet Tzedek a successful Justice Ball, and I was happy to see the list of
illustrious sponsors. No doubt Mr Samuels' tenure as President had a lot to do with that. Jnll
you gather to celebrate the protection ofJustice in LA, while under your watch I am being
EX fl1 ~#3
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8-407
j!C-
robbed in broad daylight of my home and my saving because ofinaction by Countrywide?
I am the yictim of Wire Fraud and Real Estate Fraud perpetrated by Maria McLaurin, Branch
Manager, Countrywide San Rafael, and her associates: Nivie Samaan and Victor Parks (none is a
Countrywide employee). Since November 2006 it appears that Att Mohammad Keshavarzi, of
Sheppard Mullin, is also a major figure in fabrication and coordination of fraud in this case
(presumably all protected under litigation privileges). Samaan's fraud attempts that I am
personally aware of now were initiated in September-October 2004, but I was not aware of
these, and had no understanding of any of the related complex areas of the law, banking, and real
estate until December 2006!
Attempted Mortgage Fraud against Countrywide - government backed mortgage lender. and
Attempted Fraud against Countrywide per se
These fraud attempts were initiated in relationship with the attempt by Nivie Samaan to obtain
mortgage loans from Countrywide, for the purchase of my residence, then listed for sale.
Countrywide is a government backed mortgage lender, and such mortgage applications were
based on the federally mandated and prescribed Uniform Loan Application (1003) (A tlqf:hmenl_
!1 ). Samaan's 1003's were fraudulent in almost any conceivable way (Attachment B ). To top it
off, that loan application involved also an attempt at fraud against Countrywide per se - by
allowing Samaan discounted fee of 0,75% for no reason at all. That application, and its
underwriting process involved a multiplicity of Violations ofRegulation B of the Federal
Reserve (Fair Credit) and California Fair Credit and Fair Housing laws and regulations,
primarily by Maria McLaurin (Attachment C). Not to outdo McLaurin, the scheme also involved
Wire Fraud by Nivie Samaan and Victor Parks. Fraud and Deceit against Zem.ik were a minor
part of the original scheme, but moved to center field when the original scheme failed.
!Vire Fraud by Samaan and Parks against a financial institution - Countrywide

!Vire Fraud bv Samaan and Parks against Zernik
Not to outdo McLaurin, the scheme also involved Wire Fraud by Nivie Samaan and Victor
Parks (both California Departmellt ofReal Estate License holders) (Attachment D). Parks was
represented to me as the Loan Broker, without disclosing any relationship to the Buyer, Samaan.
Much later, in July 2006, he turned out to be the first cousin ofSamaan's purported! husband, Jae
Arre Lloyd (prior to 2003 - Timothy Lloyd Morrow). And Lloyd, in tum, appears to have been a
long term McLaurin friend/acquaintance. Lloyd was also a mortgage professional for many
years, but not a license holder for unknown reason.
As much later turned out, Samaan and Parks had an arrangement, whereby Parks, who at the
time apparently resided and operated from offices in the State of Washington, with corporate
offices (Pacific Mortgage Consultants) in northern California, not far from San Rafael. Parks
allowed Samaan and Lloyd to broker Samaan's loan with the San Rafael Wholesale Branch. To
facilitate this scheme, fax transmissions sent to the fax number that was provided to us for Parks,
with an area code in Washington State (across State lines) were automatically forwarded to
Samaan's fax machine in the Los Angeles, California, area. It also appears that fax transmissions
that we believed had come from Parks, in reality originated from Sam~l3n's fax machine in the
Los Angeles area. Please note that the elements of Wire Fraud, a Federal violation, include the
EX_ l!L ~~lietft~ 8-408

attempt at fraud, but do not require the actual success of the fraud attempt. And Wire Fraud
attempt against a financial institution may result in a prison sentenc·~ of up to 30 years (
Attachment D )!
Some of the early evidence of this scheme was presented in email notes from Michael Libow,
my realtor, on October 18 and 19,2004 (Attachment E). In these email notes, Libow rep<:atedly
demanded that Parks explain Libow's observations regarding phone number switch during fax
·communications, that Libow first observed on October 18,2004. Parks refused to respond. To
facilitate the deception, Samaan operated her fax machine(s) without phone line and sender
ldentifications, in violation of Federal law and FCC regulations. Samaan also communicated
through such lines on behalf of Victor Parks her loan documents to Countrywide, for the
purchase of my home. Such an arrangement could not work with out implicit, if not explicit
approval from the Wholesale Branch. The use of unidentified fax machine for loan origination
and support documentation is not only in violation of the law, but also contradicts Countrywide's
own regulations and policies regarding the use of fax machine. Countrywide, a giant
corporation, has been involved over the years in a number of litigations over the correct use of
lax machines, and certain FCC regulations were written explicitly in relationship to the use of
lax machincs by Countrywide. As such, Countrywide has developed specific corporate po.licies
. and instructions regarding the use of fax machines. Given all that, it appears incredible, that
review of Samaan's loan file, obtained through legal subpoena from Countrywidc, shows that
almost all the documents supporting the qualification of the Borrower, Samaan, and her
responses to Underwriting Decision/Condition Letters set by the duly assigned Underwriter-
Diane Frazie~, originated from an anonymous fax machine, with no phone line number, anclno
Fax cover sheet. It appears incredible that this worked, if We are to b,~lieve the loan file (
Attachmentfl listed such anonymous fax communications found in Countrywidc's loan file.
A few transmissions, also listed in Attachment F came from a machine cxplicitly identified as
Samann's V.ipellbound ). Our hypothesis, based on evidence not shown here, is that these
transmissions were all from an HP Laserjet fax/copier/printer, and Samaan routinely toggled the
s.ettings on the machine between two identities:
a) Anonymous - when communicating on behalf of Parks, as a Loan Broker, and
b) Spellbound - when communicating as herself
But she forgot at times to toggle the identities, and therefore, we find several transmissions that
were intended to be from Parks, but carry the fax imprint Spellbound, and a number of
transmissions by Samaan as Samaan, with fax imprint Anonymous.
Of particular interest is the fact that one of the documents faxed with lhe imprint Spellbound.
dated October 22, 2004, was a corrupt, invalid Purchase Agreement and Joint Escrow
Instructions , the key document governing the whole transaction. Abo of interest regarding that
transmission is the fact that it apparently did include a page I, that is missing from the document
as presented in the Loan File in response to subpoena. We believe that in this case there was
indeed a fax cover sheet possibly including incriminating information. Therefore, this page was
eliminated from Countrywide's subpoena production in violation of the law. Countrywide's
sophisticated fax systems allow recovery of this missing document even whem the paper copy
was destroyed, and I expect Countrywide to do just that.
LX..
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1/11 N~
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B-409
Of patticular interest is also the fact that in anonymous transmission dated October 4,2004, the
document titled Broker and Borrower Document Certification bears the signature of Samaan,
but is missing the signature of both Parks, as Broker, and signature for Acknowledgement f1y
Authorized Employee (Attachment F). In contrast, the next page, Mortgage Loan Origination
Agreemelll, bears both Samaan's and Parks' signatures. But the Parks' signature here, and
elsewhere in the loan file bears no resemblance to his signature on court declarations, and is
likely not to be by his own hand (Attachment F)
Broker Document Certification is a key document in the loan file. The lender has no control of
the documents prior to arrival, and a valid Broker Document Certification provides at least
some limited guarantee for the integrity of the documents presented to the Underwriter. Diane
Frazier surely noticed such deficiencies and others that raised concerns for mortgage fraud.
Therefore, she included in the Underwriting Decision/Condition Letter of October 14, 2004, as
a condition, to be satisfied prior to loan approval - the receipt of signed Broker Document
Certification. But such signed Broker Document Certification was never received, and is still
missing in the Loan File. Maria McLaurin, after assuming underwriter authority 011 October 25,
2004, deferred this condition in violation of Countrywide's own regulations (below).
The facts regarding wire fraud can be corroborated by Michael Libow, my realtor, and by Joshua
Allen Mailman, designated as my Expert Witness in this case (Attachment G ).
Ongoing Real Estate .Fraud bv Samaan, Parks, and McLuarin against Zemik
I. Fraudulent Inducement
I was not likely to accept Samaan's offer to purchase my residence in 2004. In fact, I first
n:sponded to another offer. I considered a realtor representing herself as a higher risk offer, it
lacked qualification of the buyer by an arm's length neutral party. I also communicated that to
my realtor, and within a few days I was presented with an excellent Prequalification Letter on
Pacific Mortgage Consultants letter head, transmitted by fax, and signed by Victor Parks. Such
a Prequalification Letter is also required by the standard Purchase Agreement that was used in
this transaction. Two and a half years later, when I compared the signature on that letter with
signatures of Parks on his court declarations, I realized that there was no thread of semblance
between them.
The content of that Prequalification Letter had no ·base in reality, and the letter was not based
on a written loan application as required in the standard California Residential Purchase
Agreement and Joint Escrow Instructions, which Samaan signed to produce a valid offer to
purchase the house.
Who wrote and signed that letter? On what basis? I don't know.
Additional evidence for Fraudulent Inducement included the fact that Samaan listed in one fax
communication a stock account that she would liquidated to make the initial payment. No such
account ever existed, as she admitted in deposition. In another fax she related that she was a real
estate salesperson who closes a few deals a year. We later learnt that she had never participated
in any real estate transaction whatsoever.
II. Fraud against Zernik
EX >
8~3 I-I~
EJifs\/ollTnietr"-
B-410
Samaan was at that time a cosmetics saleswoman in a department store, represented to us as a

unmarried woman. After I accepted the offer on September 15, 2004, the story was changed, and
she was engaged, to be married within a few days in Hawaii. But later - in her loan applications,
she was listed (apparently by the purported newlywed husband who prepared the applications) a~.
an Unmarried Woman purchasing the property as Sole Owner. Similarly, in escrow documents
completed in October, she signed on declaration that she was an Unmarried Woman. That
change after my Acceptance, effectively gave the newlywed husband the veto power at close of
Escrow. Ifhe wished - he could provide a Quit Claim, otherwise, he could demand to be listed
as co-owner.
Are they married? Are they not? Why they entered this part ofthe froud? I don't know.
In addition, Samaan was listed in loan applications as a President and Sole Owner of a
corporation - Spellbound Enterprise, Inc, for at least 4 year, with no other employment, and
with income of $400,000 per year from that corporation. Such claims are far fetched. The
corporation was established less than a year earlier, and according to its web page, engaged in
web retail sales of psychic and occult consumer products - "The Supernatural Superstore" -
provided Tarot cards, divining objects, anointment oils, and crystal balls.
The Underwriting process at Countrywide starts' with Phase 1. There is one document that is
dearly, unmistakenly absolutely necessary at this point - a valid, complete Uniform Residential
Loan Application (1003), There is no way that any underwriter could credit determinations of
any applicant without a 1003, moreover, it is required by Regulation B . The 1003, combined
with: Countrywide's proprietary Landmfe Report, and an additional Credit Report issued by the
Loan Broker (in Samaan's case it was Coast Credit) , are then processed via the proprietary
Clues Expert System to generate the Clues Report.
As it turned out, the compound fraud (funding of an unworthy applica.nt, and issuing same a
substantially discounted mortgage loan) was not as easy to pull off as the perpetrators assumed.
The local branch Senior Underwriter - Diane Frazier - repeatedly refused to issue credit
determinations based on invalid Uniform Residential Loan Application 1003 showing major
violations of loan program rules. And the Clues Expert System was similarly uncooperative - it
issued a "REFER" determination (Attachment H). Frazier later lost her job, in part as a result of
her conflict with McLaurin relative to Samaan's loans.
Not being able to issue a credti determination, Frazier, then issued an Underwriting
Decision/Condition Letter, dated October 14,2004, and bearing her hand signature (Attachment
I). In it she made it clear that Samaan' Loan Application was temporarily suspended, and
Samaan had 10 days to provide new Loan Applications (1003) and other documents. The
conditions as listed by Frazier on 10/14/04 for initial approval are listed below, followed by
Samaan response, in Italics :
1) Acceptable explanation for discrepancies in employment address and phone information .-
Samaan never complied with this condition, since her selfemployment was in fact a
fabrication
2) Approval by Corporate Underwriting Office, once a new set of triplicate copies of 1003 with
the 0.75% fees are provided by Samaan
The handling ofthis through Exception Request to Demetrio Gadi is described below
3) Pricing to be corrected to show the additional 0,75% fee -

Samaan never complied with this condition - she refused to pay the applicable fee
4.) Samaan to show that she had already deposited $30,000 in Escrow
Samaan had not even paid that deposit yet. She wouldfulfill this condition afier Escrow
was canceled.
S) Provide copy of the Purchase Agreement
10122104 - Samaanfaxed a corrupl document ofunknown origin, 10125104 - Samoan
f.ued a valid copy
6) Provide 2003 business license showing self employment at same location for 2 years, or
equiva lent from CPA
Samaan never complied with this condition - she eventuallyfaxed a business tal;
certlficate, but it contradicted her employment data
7) Provide Bank Statements for Well Fargo Account to demonstrate availability offunds to
close.
Samaan never complied this condition - she eventually faxed the bank statements - but
then it turned out that the funds were in ajoint account with her mother, who would not provide
her with a letter stating availability ofthe funds.
The list above shows that out of 7 conditions for Initial Approval defined by Frazie:r on 10114/04,
and which Gadi instructed McLaurin to uphold, Samaan would never comply with 4 until the
day the applications died through Denial by Countrywide and Withdrawal by Samaan - January
27,2005!
In discussing the Underwriting Letter of October 14,2004, one must realize that it is
misrepresented by both Samaan and Countrywide's Legal Department as the first underwriting
review of this application after its only submission. In 1act, the adulterated Date Received
stamps show that there was another submission, and the duly assigned underwriter - Diane
Frazier indeed confirmed that fact. The Loan Applications were first received in San Rafael
around October 1-2,2004. There was an earlier underwriting review of the application, and a
requirement was set forth for resubmission of valid 1003's. But in mockery of both
Underwriting and Regulation B , the response was to produce an instant resubmission within
San Rafael - take the old 1003's, cross out the Date Received stamps, imprint new Date
Received without correcting any of the data, and re-scan them as a new application on October
12,2004!
Why is the Legal Department trying to cover this up, when the Loan File clearly shows the
opposite despite their sincere efforts? I can guess.
McLaurin then tried to bypass the local underwriter. She waited until October 25, 2004. Once
tbe loan was technically closed, she usurped Underwriter's authority, n~vived the application, and
in violation of Underwriting Conditions issued a referral to Division Underwriting Support -
Demetrio Gadi - for an Exception Request (Attachment J) . That request was an additional
violation of Regulation B:
- it was presented with neither valid 1003 's nor valid Clues Report
- the annual income figure included in it was 10-fold inflated -- from the fictional $400,000 in
the 1003's to $4,000,000!
- ,:;redit determinations included in the request were simply made up, with no basis in sound
underwriting principles.
(Jadi was most likely informed by Frazier of McLaurin's chicanery well in advance. Careful
rl;:ading of his "Approval" communication shows that he really did not approve any exce plion at
~ll· The borrower was to add the 0.75%, as previously determined by Frazier, and the borrower
was required to produce new, valid 1003s. Moreover, Gadi reenforced the authority of the local
branch underwriter and determined that the Branch Manager must abide by all conditions and
decisions previously stipulated by Diane Frazier. Moreover, he added new conditions that would
make it practically impossible for McLaurin to get that fraudulent application funded:
• A new Clues Report was to be issued prior to funding
• All documents had to be reviewed by a branch underwriter prior to funding following
Countrywide document quAlity assurance procedure.
• McLaurin to issue a non-delegated Mortgage Insurance at cost to branch, and
demonstrate a certificate in the file prior to funding.
In fact this Approval by Gadi, reads as a resounding vote of no confidence in the personal
integrity and professional judgement of McLaurin.
I had no knowledge of any of that in 2004, as the seller in the underlying real estate transaction.
But both I and my realtor were getting increasingly alarmed by what appeared as repeated
instances of dishonest dealing or worse and by Samaan's failure to perform. I was also waiting
for Samaan to remove her contingencies prior to making a large deposit on my next dwelling.
But Samaan failed to remove the contingencies, and I subsequently lost the dwelling that I had
chosen as next for me and my family.
By that time, the typical California real estate transaction, with its measured dynamic method of
contingencies, intended to equitably distribute the risks and liabilities as the transaction moves
along from Acceptance to Closing, was turned upside down. It was c1c~ar that the buyer would
not be able to close on schedule, but if I waited any longer, she could force me to close at any
time in the future, at will, regardless of whether or not I had secured all alternative dwelling.
And she could also cancel without an significant liability to herself, since she still had not
removed her last two contingencies (Loan and Appraisal).
Therefore, I issued a Notice to Buyer to Perform. In response, I received a letter from buyer in
which she explicitly refused to remove the last contingency (Appraisal), without any
justification. And Parks, the purported Loan Broker, was feeding false information to my realtor
at the same time. From October 14 to October 18,2004, he never informed Libow, my realtor,
even once of any problem related to the Purchase Agreement. On the contrary, on October 18,
2004 he was communicating that Samaan's Loan was approved, the only remaining condition
bdng Appraisal Review. Neither couldn't be further than the truth - Samaan's loan was
temporarily suspended pending receipt of valid 1003's. But Samaan would never submit valid
1003's! And on October 19, 2004, Parks informed Libow that Review Appraisal would be "in by
Friday", (that was Oct 22, 2004), when in effect, it would be almost a week before Maria
McLaurin would first take over underwriting and order Appraisal Review - in violation of
Underwriting Conditions.
Indeed, Samaan already had in her hand an appraisal that came in at sales price, and lacked any
loan approval. But in response to the Notice to Perform, she removed the Loan Contingency,
and refused to remove the Appraisal Contingency. Her actions in this regard, and even more so
- the justification she provided in a letter, appeared as yet another dishonest dealing, which in
retrospect they surely were. I then acted within my absolute right and issued Instruction to
Cancel Escrow .
In short - the loan file indicates the following double history by the time it was produced in
response to a legal subpoena. Needless to say, creating false loan hist,)ry is another violation of
Regulation B :
Date True History Revised Hist.2.!:Y..
I) October 1-2 ? - First submission - October 1-2, 2004? Records eliminated, stamps crossed
out
2) Early October - Underwriting communication requires resubmission of valid 1003's
Records mostly eliminated
3) October 12 - Mock resubmission Now presented as the only Date
Received
4) October 14- 1st Underwriting Letter Prior Underwriting documents mostly
eliminated
5) October 14-25 Ten days allowed to correct 1003's etc Samaan again refused to resubmit
valid 1003's
5) October 25-29 McLaurin attempted Exception Request
6) October 29 2nd Underwriting Letter - Conditional Approval
Original Approval Conditions stiU not
complied with
6) November 3 3rd Underwriting Letter - Conditional Approval
Original Approval Conditions still not
complied with
7) Jan 27, 200S! Denial of the 2nd lien loan by Countrywide Samaan tried last minute
Withdrawal to avoid Denial
These events in 2004 may appear to some as solely an attempt at fraud against Countrywide,
facilitated by a Countrywide Branch Manager. But in etIect, the Purchase Agreement stipulated
that buyer "shall act diligently and in good faith to obtain designated loans ". Therefore, the
fraud was also against the me, as seller. I wanted to sell my house and move in 2004, my life has
been since disrupted, and I am under constant extortion by Samaan as a direct result of that fraud
attempt against Countrywide.
From October 2004 to October 2005, Samaao issued various threats, but waited a year, and when
real estate continued to appreciate, she filed suit for Specific Performance in October 2005, and
immediately placed an abusive Lis Pendens on the property as well. I was instantly left without
any control of my own property, my own finances, no access to my own equity even to finance
my own legal defense against a malicious prosecution, and with no control of my own time of
day for that matter, with frequent court appearances and rolling Ex Patte threats that are
deliberately aimed to harass. I am not able to sell, not even to enter a long term lease, and surely
not to refinance at a time of concerns over swinging interest rates. By now, the property has
appreciated over 30%, but Samaao is demanding to obtain it in a 2004 price! And in between, I
had to defend myself against a malicious prosecution that has completely disrupted my Ii fe.
[n November of2006 1 filed a Motion for Expunge of Lis Pendens But in what was probably
the most stunning episode in this whole tale of fraud, Samaan's husband and her counsel,
Mohammad Keshavarzi, companions in fraud under Sheppard and Mullin name, were allowed
to produce, in what was at best an abuse of discretion, a new set of documents, never produced in
a prior subpoena in an Ex Parte Sur Reply. These documents included:
l) a new Underwriting Letter, dated October 26, 2004, never produ.:ed by either Countrywide or
Samaan
2) a new letter from McLaurin, endorsing the new Underwriting Lelkr, and misinterpreting it for
the judge.
3) a new copy of the Purchase Agreement and Joint Escrow Instructions, never seen be lore,
never earlit:r produced by either Countrywide or Samaan
4) a new declaration by Parks
5) a new declaration by Keshavarzi
And a whole new history was made up for the loan approval process:
1) October 14,2004 - Samaan's loan application was suspended because of missing initial(s) or
signature of seller on the Purchase Agreement
Which one? it was never specified
2) October 22, 2004 - Samaan asked Mara Escrow for a copy of the ."lurchase Agreement, but
received by fax a copy missing my signature and initials
That was afabrication, Mara Escrow faxed Samaan /they thought they were
(axing Parks) a copy bearing my signature and initials.
3) After October 22,2004 - Zernik signed the Purchase Agreement only after October 22, 2004 -
That was another fabrication. The copy ofthe Purch1se Agreement. fonvarded
by Samaan on October 25, 2004 (it came with afax cover sheet ident~fied as Parks) shows my
signature and initials, a fax header imprints show that it is the copy filat was faxedfrom ,"1ara
Escrow on October 22, 2004.
3) It was Zernik who prevented Samaan's loan from being funded by denying her that
initial/signature.
That was of course another fabrication. If one is to name three reasons Sarnaan's
loan were suspended 1 would lists: a) missing valid 1003's, b) missing documentation of funds
and bank accounts, and c) conflicting Residence and Employment daLl the flagged Samaan as a
potential fraud case by both the Clues Report and the manual Uniform Underwriting
Transmittal form.
It is sutlicient to read the correspondence between Libow, my realtor, and Parks, Samaan's Loan
Broker on October 18-19, 2004 (Attachment E ) to see that this fabrication had no base in reality.
Parks, in all communications with Libow, never asked for such initial~; or signature. And Mara
Escrow did fax Parks a valid copy upon his request on October 22,2004, but Parks failed to
provide it to Countrywide until October 25, 2004, all well after I cancded escrow.
I :first came to realize that something awfully wrong was going on in November 2006. After a
few months of intensive learning and investigation, I finally realized that all five documents
listed above, introduced by Keshavarzi and Sheppard Mullin in Novcnber 2006, and some
others filed in that hearing as well, were all products of fraud, a full cc,llaboration between
r=
Ci( vrt __Exilbit~Q~~-
'\ .' _-~~ Not~~ --.5
B-415
Samaan, Parks, McLaurin, and Keshavarzi. Keshavarzi, Samaan's attorney, described such
allegations as "conspiracy theory".
But I repeatedly demanded that Countywide explain how suddenly, in November 2006, a new
Underwriting Letter appeared for a real estate transaction in 2004, after it had been consistently
missing from the Loan File in four (4) repeated subpoenas! And Countrywide eventually
produced in mid April 2007 a series of documents recording Procurt'ment ofPerjury including
the newly emerged Underwriting Letter and McLaurin's letter that introduced it to court (
{.4ttachment K). With that production, the Legal Department repeatedly claimed, and stated in
writing as well, that all documents related to Samaan v Zemik were produced. Now we are 2-3
months later, and it was obviously a deceptive claim,
But the Underwriting Letter of October 26, 2004, newly emerged, was not a valid Underwriting
Letter at all. It did not reflect the true loan underwriting process as of October 26, 2004, and it
did not say anything about suspension on October 14, 2004, as a resu It of missing Zemik's
initials or signatures as claimed by Samaan in court. Yet the Legal Department has consistently
refused to provide any statement to counteract the harm done by Mclaurin's fraud, while
McLuarin appears in court as a spokesperson for Countrywide. Instead, the Legal Department
has repeatedly hid behind the irrelevant and false claim that it had complied with its response to
a legal subpoena, and with it appeared that it had considered it fulfilled its obligations.
And then by June 2007, I discovered that already in early April 2007, in response to
investigation by a Federal agency, Countrywide had engage in correspondence that contradicted
McLaurin's claims in court. Countrywide claimed that Samaan's loan would never would have
been funded, regardless of seller's cancellation! Those documents were omitted from production
in violation of the law.
And in correspondence last week, witnessed by Rabbi Bernhard, Countrywide's Legal

Department all of a sudden claimed that an internal investigation had concluded that my
allegations were "without merit But that report was also omitted fr)m subpoena productions!
It.
At present, it appears that if allowed to continue, this case will surely bring me to bankruptcy -- a
case that represents everything what Bet Tzedek 's mission is to prevelt - real estate fraud
pe:rpetrated against a lawful owner by professional crooks. A Countrywide Branch Manager,
which I have never met in my life, and with no discernable reason, ha~ been trying to harm me
by enabling and facilitating fraud by Samaan and Parks against seller, which by now totals
hundreds of thousands of dollars. Together they have scuttled my Iifc~ plans, and are threatening
to drive me to bankruptcy. I have already been forced to open retireml~nt plans to finance my
defence in a malicious litigation where McLaurin is obviously an accomplice, and Countrywide's
Legal Depanment's role is still to be determined.
Attomeys for the Legal Department clearly show no interest in the fae1 that a Branch Manager
attempted fraud against the bank. In fact attorneys for the Legal DepaItment have been trying to
cover it up by producing partial responses to subpoenas, and at times making deliberately false
representations to the fraud victim. In their most recent email (below), all that was denied. But
in the very same email note was the statement that first made me awan: that Countrywide
{:ngaged in an internal investigation that found my allegations "without merit", which had never
been produced in four (4) subpoena productions!
That fact alone shows that my allegations were not "without merit ". For one, I have deciphered
most of the documents in the loan file, and otherwise, months ago I managed to get hold of the
local branch underwriter, Diane Frazier. She confinned my concerns, and provided me with
invaluable data in understanding some orthe missing links. She also provided me with general
infonnation regarding loan underwriting in the San Rafael Wholesale Branch around 2004, that
allowed me (combined with some estimates from elsewhere) to make some estimates of the
scope of fraud conducted in that branch.
My estimate is that Maria McLaurin was single-handely involved in facilitating about

$500,000,000 per year in fraud against a government-backed mortgage lender', by elTecting
the approval of outlandishly fraudulent mortgage applications that the senior undclwriters
refused to approve, even under constant pressure.
Of interest, when I last tried to call Frazier, a man answered the phon(:, who warned me thall J
must never call her again, since she promised Countrywide never to udk about these issues. If
ever called her again, hc promised to "come down to LA and gun you down". We
subsequently tried to serve Frazicr with subpoena for deposition, but it vanished, had abandoned
her residence within days after my last phone call with her, nowhere tJ be found. 1n our lasl
phone call she doubted that anybody "could bring Maria McLaurin down. "
In subpoenas and Meet and Confer I have repeatedly asked for any lnternal Audit, External
Audit, Security or Imaging Reports, or data independcntly gathered from Pipeline Reports for
the relevant months, to corroborate the data in the Loan File. The Loan File, as produced by the
Legal Depaltment, was obviously intended to deceive. Thcre was no way to construct a
coherent, internally consistent underwriting process out of the material in the Loan File as
produced. And despite the intense effort to eradicate conflicting evicknce, it still shows that
Samaan's loans were submitted and reviewed prior to October 12, 2004. But attorneys for the
Legal Depattment repeatedly engaged in deceit, claiming that I was asking for records that were
"non-existent". That claim was repeated even in the recent note .... la~.t week (see below).
None of the extensive email correspondence related to this loan file was ever produced. Such
email correspondence would surely provide much of the missing information. McLaurin herself
explained to me by phone on Dccember 2006, that she had been persoaally involved in preparing
the original subpoena response, and that she had concluded that Countrywide was not obliged to
produce such digital records in response to legal subpoenas. Instead, Countrywide repeatedly
produced an invalid empty paper fonn titled "Conversation Logs, San Rafael Branch ". Already
months ago, Diane Frazier infonned me that such paper fonns have never been used in San
Rafael at least as far back as 1989, the year she started working there.
It is also obvious that critical fax cover sheets or transmittal letters Wi~J"e consistently eliminated
from the loan file. The reason, most likely is that they would have shewn that whic:h is obvious -
that Samaan brokered her own loan with the Wholesale Branch, in defiance of the law and
Countrywidt: regulations. I know enough about Countrywide's system~; and practices by now,
E)~ _ rn ~~t1 ~ume - - : ; -

.. ----"':"'_·_"'_B_fuL\~ ~~-
and some of the history of Countrywide's litigation history in relati,) ~ship to the use of fax
machines. There are even specific federal regulations authored in response to problems arising
from Countrywide's fax machine practicers. Therefore, it is obviou:; that by 2004 Countrywide
was using sophisticated fax machines that would allow retrieval of any lost paper copies from
transmissions. And Countrywide staff was supposedly trained in FCC regulations, and security
regulations as well, not to accept loan documents arriving from an anonymous machine, with no
phone line listed, and with no fax cover sheet. And if that was indeed the case - then there
should have been an Internal Audit report reviewing these instances.
The buyer, who in 2004 had a check for a $15,000 deposit bounce twice for NSF, has now spent
by some estimates around $200,000 on legal fees. And strangely enough, attorney Keshavarzi
seems particularly interested in protecting McLaurin, the Branch Manager, who is not even their
client. In return, the Branch Manager supplied buyer with fraudulen1 claims, fraudulent bank
documents, and made statements and declarations in court that form l:he foundation of this
malicious prosecution.
The damage caused to me by this malicious and illegal conduct ofI\kLaurin is enormous, and is
c:ompounde:d by the day.
I sent last week a couple of email requests to Mr Mozilo and Mr Samuels marked "Urgent", and
"Personal". I have never heard back from either of you. Instead, I am got a recycled obfuscating
response from the same Legal Department attorney who has been de:ceiving me for almost a year
now, claiming that Countrywide complied in fuJI with Legal Subpoenas, etc. It is the same
attorney who used a claim of pious observance of the Jewish holiday of Passover to avoid
showing up in Court to defend his position. As a father who raised his children in the Jewish
folith, I found that particularly offensive and despicable.
In a previous letter I have reduced my request to a declaration of nine words by an officer of the
corporation., a repeat of the statement that I was informed by Thrift Supervisors (Federal
Banking Regulators) was used by Countrywide to fend off investigati)n into this issue:
Samaan'sfirst lien/oall would never have been funded . In response I got a refusal by the same
attorney.
I would still like to believe that I would get a positive response if you knew the facts in this
matter, which were therefore provided here for your review in rather great detail. I still believe
that those who would be hosting the Justice Ball later this month, ce.ebrating with many in the
law community, would not allow this to stand.
In Attachment I is a copy of the legitimate Underwriting Letter of October 14, 2004. In

Al'tachment K (and Exhibits 24 and 28 in the text below) is the newly found Underwriting
Letter, that first appeared in Countrywide's productions in April 2001', but appeared in court,
through McLaurin, in November 2006. This newly found Underwriting Letter has been the
center-point of fraudulent statements. These fraudulent statements call be summarized as
follows:
COUNTRYWIDE SUSPENDED DECISION ON PLAINTIFF'S LOAN APPLICATION

BECAUSE ZERNIK HAD NOT SENT THE FULLY EXECUTED PURCHASE
AGREEMENT. SUCH SUSPENSION TOOK EFFECT ON OH AROUND OCTOBER 14,
2004. SUCH SUSPENSION WAS EVIDENCED BY A DOCUMENT PRESENTED IN
EXHIBIT #24 IN OPPOSITION, AND AGAIN AS PART OF EXHIBIT #28 IN THE
SUR-REPLY.
Following arc some examples of statements (in quotes) from offcnding filings that resulted
from this fraudulent Countrywide document, followed by my statements describing the
truc facts in this matter:
a) Plaintiff, through her Attorney of Record, in the Sur-Reply Briefp7, referring to Opposition
Exhibit #24, stated:
"The following week, on Friday, October 15, Parks learned that the lender was suspending a
decision on the loan because defendant had not yet provided Parks with a signed Purchase
Agreement (Parks Decl ~ 11, Exh 24)"
This statement is repeated numerous times, but it is false and deliberately misleading. Exhibit
#24 is an invalid, false and misleading document.
b) Victor Parks in his declaration in the Opposition to the Motion (Exhibit #100), p5 states:
" II. The following week, on Friday, October IS, 1 learned that the lender, Countrywide \vas
suspending a decision on the loan because Zernik had not yet sent me the fully executed
Purchase Agreement. Attached hereto as Exhibit 24 is a true and correct copy of Countrywide's
notice which states the reason for the suspension."
The document presented in Exhibit #24 is an invalid and inadmissibll~ document. Att
Keshavarzi tried to get it authenticated by Maria McLaurin, Bank Ma lager in Countrywide (
Exhibit #105). She refused to do so (Exhibit #105), yet he included:his document once in the
Opposition, Exhibit #24, and again in the Sur-Reply, Exhibit #28.
This document was never included by Countrywide in subpoenas as part of the Underwriting
Decision/Condition Letters. It was not part of Countrywide's Loan Fie.
This document was created on October 26, 2004, and not on October 15 or earlier, as implied
h'~re.
This document never stated the reason for the suspension as claimed in the previous sentence of
Parks' declaration.
The claim in Paragraph 11, and Exhibit #24 are false and deliberately misleading.
c) Again. on p6 of Victor Parks' declaration in the Opposition to the Motion, he stated:

" 16. The only reason Countrywide did not approve the appraisal of the property was that we did
not timely receive the Preliminary Title Report and the executed Purchase Agreement."
This statement is lacking any valid evidence. This claim is false and misleading.
d) Plaintiff, through her Attorney of Record, in the Sur-Reply Bril~:p3, and Exhibit #28,
stated:
"Second, to remove any doubt that Countrywide suspended Samaan's loan because it had not
yt:t received a signed Purchase Agreement, attached hereto is Exhibit 28 to the Supplemental
Declaration of Victor Parks. Exhibit 28 is a letter from Countryside to Victor Park, dated
November 6, 2006, confirming that Countrywide did, in fact, cancel Ms Samaan's loan because
defendant had not yet provided her with a fully executed Purchase A 5reement."
This statement is lacking any valid evidence. This statement is false and misleading.
C~) Victor Parks, in his Supplemental Declaration in the Sur-Reply stated:

"Attached hereto as Exhibit 28, is a true and correct copy of a letter I received from Countrywide
Home Loans, Inc., dated November 6,2006, confirming that on or around October 14,2004,
Countrywide suspended the processing ofMs Samaan's loan because: they had not yet received a
copy of the fully executed Purchase Agreement. This letter is accompanied by the actual Notice
of Suspension that Countrywide sent me in October 2004."
This statement is lacking any valid evidence. This statement is false~ and deliberately misleading.
This fraudulent Underwriting document, together with Maria McLaurin's contributions have
since become the corner stone of this malicious fraudulent prosecution. They are now featured
prominently in an incredible MotiOll/or Summary Judgement, pending hearing in a few· weeks.
Mr Samuels and 1'11' Mozilo, you have been provided by now with sufficient materials to
figure out the situation. If you need any additional documents, please let me know
immediately. Lack of action by you would surely permit further rraud. This perversion
and subver'sion of justice has proceeded uninterrupted for month~ in the Courthouse in
Santa Monica! It is time to bring it to an end.
1'11' Samuels and Mr Mozilo, I call upon you to uphold your personal duties to safeguard
the integrity of operations of Countrywide, and immediately stoll this illegal conduct by
McLaurin and do all that is nccessary to ensure that I am proteckd from any continuation
of this malicious, harassing prosecution, to the degree that it is reliant on Countrywid(~
employee, Maria McLaurin.
Left uninterrupted, this malicious prosecution, based on fraud, wi II surely rob me of my

savings, and ruin my life. It has already caused my to neglect my business, my children,
and social obligations. It has caused me enormous financial )osses~ relative to my means,
and it promises to leave me bankrupt.
Given Mr Samuels position in Bet Tzedek ,I call upon you to respond to the simple
questions below, so that I may remove this abomination from the' Jl.A Superior Courthouse
pdor to the Justice Ball !
Please respond to the following guesitons by Tuesday, July 2, 2001', 5:00pm
Regarding the document purported to be an authentic and valid Counirywide Underwriting

Decision/Condition Letter (Attachment l{).
1) Was this document a valid true and correct Countrywide Underwrhing Letter?
2) Was this letter dated October 14, 2004, as was represented in Court?
C)\ __ tf)!I-'~5f
1:""".' _~_ti<>t~~' - - -
Exhibits Volume B
B-420
3) Could this letter possibly be transmitted to a Loan Applicant and/or her Loan Broker in its
current form on or about October 14 or on or about October 15 200·(? Or for that matter - on
or about any day prior to October 26, 2004?
4) Was thij letter issued by Diane Frazier, as represented?
5) Isn't the person issuing such a letter required to hand-sign such a letter following
Countrywide's own manual for faxing Underwriting Letters?
6) Did Diane Frazier hold true Authorityfor underwriting Samoan's loan on October 26, 2004?
7) Did Maria McLaurin hold true Authorityfor underwriting this Samoan's loan on October 26,
2004?
I wish all of us a true celebration of Justice on July 28, 2007.
Joseph Zemik
* Countrywide here denotes CFC, Inc. and/or any and all of its subsic iaries and aniliates
cc:
Rabbi Jonathan Bernhard
The Honorable R William Schoettler
Rabbi Joseph Shusterman
Others in the legal and Jewish community in Los Angeles.
Attached:
Attachment A : Beth Tzedek Web Pages with President Samuels pron:mncements

Attachment B : Samaan's Adulterated Loan Application (1003), and listing of fraudulent data
presented in it.
Attachment C : Regulation B violations in Samaan's loan file
dttachment D : Parks Hand signatures
Attachment E : Wire Fraud - Elements and Evidence- Email notes of Michael Libow, Zcrnik's
Realtor on October 18-19, 2004
Attachment F : List of anonymous fax communications found in Samaan's loan fi Ie and and an
unsigned Broker Document Certification .
Attachment G : CV of Joshua Mailman
Attachment H : Clues Report for invalid Loan Application (1003)
Attachment I : Underwriting Decision/Condition Letter 10/14/04
Attachment J : McLaurin's fraudulent Exception Request (10/25/04) and Gadi's Exception
Request "Approval" (10/29/04)
Attachment K : Procurement of Perjury: McLaurin, Lloyd, Keshavarzl, and the newly found
Underwriting Letter
Notice #3
Exhibits Volume B
B-422
Todd To
BoockiAttorney/LegaVCF/CCI
ee
07/05/200707:26 AM
bee
Subject Fw: PLEASE ASK SANDOR SAMUELS TO STOP REAL
ESTATE FRAUD
----- Original Message -----

From: JOSEPH ZERNIK [jzI2345@earthlink,net]
Sent: 07/04'200707:31 PM MST
Cc: sandor_samuels@countrywide.com
Subject: PLEASE ASK SANDOR SAMUELS TO STOP REAL ESTATE FRAUD
lion IMMEDIATE RELEASE

COUNTRYWIDE* (NYSE:CI<'C) SUB-PRIME LEADER SEEKS PROTECTIVE ORDER
AGAINST DR JOSEI)H ZERNIK
Countrywide's Mozilo and Samuels Complicit in Real Estate Fraud
Beverly Hills, July 4 In Samaan v Zernik , heading for trial, an invalid Countrywide document.
dated Oclober 26, 2004, was declared as dated October 14, 2004 --j~cciving the courl and
commilting fraud against Dr Zernik. The fraud was committed by co'Jusion ofNivie Sarnaan
and Maria McLaurin, Countrywide Branch Manager. In 2004 McLauin and Samaan also
colluded in Mortgage Fraud attempt and in Wire Fraud. Based on data for 2004, as estimated by
Diane Frazier, former Senior Underwriter, McLaurin also probably personally approved about
$0.5 billion per year (!) in grossly fraudulenl government-backed loans.
Angelo Mozilo is Internal Audit Committee Chair, and Sandor Samuels is Chief Legal
Officer at Countrywide. Samuels also served in public positions in Ziegler School for
Rabbinical Studies, and in Adat Ari EI, and is now President at Bet Tzedek (free legal services),
where he prominently called for Justice and real estate fraud prevention. Upcoming Beth
Tzcdek Justice Ball, July 28, 2007 raises funds to provide "equaljwlicefor all ".
In recent days, Dr Zernik approached three community dignitaries - R Jonathan Bernhard of
Adal Ari EI, Han RW Schoettler, and R Joseph Shusterman of Chabad in appeal ing 10 Mr
Samuels and Mr Mozilo to stop real estate fraud in Samaan v Zernik. Both Countrywide officers
decl ined to take action, and Countrywide announced it will seek protective order against Dr
Zernik in Santa Monica Court, Friday, July 6,2007, 9:00am. Unusua:ly broad protective order
for a public figure like Samuels violates the Freedom of Speech.
*Counlrywide here denotes Countrywide Fmancial lnstitutlOn and alias subsidianes and afliliates
For additional information regarding this action contact:

Joseph Zemik. DMD,PhD
T,~1:3104359107
Fax: 8019980917
Email: jzI234S@earthlink.net
END
o- ATTl\CH K-PROCUREMENT OF PERJURY.pdf
EX.__~~_. ._. ~e~~I~a--

B-424
Case 05-90374 Document 260-12 Filed in TXSB on 05/08/09
z
Page 7 of 35
-2Z!2&E
"Jae Arre 'J.R.' Lloyd" To "Maria Mclaurin" <Maria_McJaunn@CoJntryw,de.c:or-,>

<jrlloyd@Sbcglobal.nel>
cc
11/03/200603:21 PM
bec
Subject Sarna-an Suspense from :ountrywide
H~r Eo is thE< suspe,s" 1 sS'Jed by C:Our. tryw id~. Again, we j '.15 t need a Sea :emer.' ',::
qu::cieline showinG -:nat :.he E'ully Exec'..:ted Purcha.se Agre'~'t\eI1t IS (':G'.li,red,. I
C8unt!"Yr1~de tor ~i:-,c.l Loa" Approval.
n',an:, Y::>U,
J,R. 11Jyd =or V~ctor ?arks

310,275.5353
~
Attached1.FDF
,
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8-425
AmariC4'. lfholeaa.J.a Lendar
COUifTRYWlOE HOME' LOANS, me. f{I~l':u JII..'!ES O'RE1TLY Del. pJo.c::r::c

MORtGAGt CONSULTANTS
Br'm~h
750
f: 0000933
.!~~O Sl~~l SlE 110 -----------
SAN :v.FUL. CA 94~Ol
l'hom: (415) 231-2101
_: i<o"",~",,O: · _
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Loan Qur1!b1or 81731375 hal> beat! r"'Jie'o'OO lit the following .er"" for IHV;:i: S~MN\'l'
Clowponoy Typo: OWli~ OCCUPISO

~TYI>'" REDVCZO
F1nal>m "ypo. pul<C>UI S .. _G<ado: N/A
i'n»o.t, Ad:hu)ZO S Fl:Cf: DR Vwdit Sa:lr4l: 723
- SEVE!'J.)' ll:LLS I CJ\
90212-3115 ~ock f.ApJ..ration
D...e:
Prape", "TypO- S!"R
~PMItiofl F.L;t~t.
IIAon Ar_rlI ~- v."", ISolN PrIa ==f!L~IVICLTV _

).31l.400.00
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This l.o3.n ha~ b@-en SUSPr:NOED u.nt.il t.h.e followl.!'Ig i.n£c~tion 18 providg.·j,. ~e tlt'Ust. r~~Cf',lVM"
't.hJ.8 l.nformat.i,.on by 10/25/200-4. t f we do not. receive .1t r-y that. dat.e, ",.~ m1J~t ctQ-Sl! t!ie J:ile
for inoompl9't~nc::o.a.. Wh~1"'I we rec~i.".e the info:t"'ft\.b!.ioo r we "ill review t.h.~ file :or furtner
deter-niMcicn.
CQuditlon Condlt1on Desc/COllWM!'Dts
1. corp approu.l req 4 d Cor 't,lu:o AnMtH't-d pr09ram wi .15'1i addeQ to

C8.., " .. ny (;<;md.it.1on" p:oviu'e a =amp1...tt: t:::O"py PfIIc.k.4~ a.J.0rt9 w1th
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(Page 1 of 2 10/26/2004 :0,44,51)

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tP~gQ 2 ot 2 10/26/2001 10:44:52)

• UJ<CEIlWl'111l1lG OCC~ lEI"'1iR. Wl.D
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8-427
)O a
"Moe Keshavarzi"
To maria_mclaurin@counlrywide.com
<MKeshavarzi@sheppardmull
in.com> cc
11106/2006 03:22 PM bee
Subject Samaan letter
Mana,
Attached please find the declaration and letter. I would really appreciate ycur heip, as we are only aSf:lng
tor the document to be authenticated If y'JU have any questions please let rne know. If il is acceptable to
you please sign and fax it to 213-443-2910. Thanks again.
«DOC. PDF»
Moe Kesr:avarzi, Esq.
Sheppard Mullin Richter & Hampton. LLP
Los Angeles, CA 90011·1448
Direct Line: 213-617-5544
Fax' 213-443-2910
Email: ml:eshavarzi@sheppardmullin.com
This meE~sage is Dent by a law firm and may contain infOJ.'11atlon tlwt is
privile~led or confiden~ial. l~ you received this/transmu;sion in error, r- 1"a:;e
notify the sender by reply e-mail and delete the message and any atcachrr.en'::s
Sbepparc., Mullin. Richter I< Hampton LLP
~~
Please viiSf£ our website at www. sheppardmullin.com

~l
DOC.PI)~
EJ( -il_._9:1!~i2-,-
, No c '"'" .
.. ~--
<.-
8-428
_ _ ~. __ ~_,~....
260-12 Filed in TXSB on 05/08/09
--"".=""""'","",,"""'!IIB'!!l"!!I!!!I'!!!I!!""!"'!!!III!!!!'!!!!"II!ll!~!l!!!!!!!!'!R'I!J[!I!!t~+"
Page 11
_ _I!I.I
of 35
.E.!_ _IIl'. .- - -
II
11
~
I
~I
DECLARATIOl\i OF MARIA McLAUR[\'
_: j I, Maria McLaurin, state and declare as foI:iows:
i
3
11
4 r 1. I ,am the br;incn manager for the Sap. Rafael b:anc:h of Co m:r:f\vi:1e
5\ Home Loans, Inc., the branch that processed Ms. Samaan's 10an (1(,ar: number 811:;73 75).
6 I,lin or around Octobe;- 14, 2·)04, CountrYwide suspended Ivls. Sama:tr'; loan h:::aus::
J
7 i Countrywide had not yet re.ceived a copy of the fully executed purcbase agree;nellt
si\, Attached hereto as Exhibit 30 is a true and correct copy oftl-:e lette:~ ::hat Couot:'ywide .;ent
9 \, to Ms. Samaan's broker, Vi~tor Parks.
il
10 1\
1I II TOd"e un cler penalty or pequry under the In.'S of t}, eState of Cahfomi,
1~ ,I That the foregomg IS true and correct.
13 I
14 Exe:::uted on November 6,2006 a: San Rafad, Califomi?..

--
15
16
17 ---~ ---- --._------~._--_.
Maria McLaurin
18
19
20
21
22
23
24
25
26
28
__=::--:-:-::-:-;;-:-=:-;-;-;-=-:-;- . - L-
\\I02.WEST:IMMKI'-4G0lliI5:.1
MESSAGE: If you :<my questiollS, please call me.
NOTe: ItM...~g$SAG~IS INTENDED Oi'!lY FOR THE VSE_ 01' iH," INDIVlDUt>,l. OR E'ffiTY TQ WHICH IT 'S ~l)DRES:;ED, Ahilb;rcom~
lNEQRMATN)N THAT IS PRIVIlEGED, COI'JFIDcl\fTlAl ANO [;2g;;~PT £B.Q~LQlSCLOSVRE UNDER APPU~BL~"!&y. IF TH~ .;,< OJ· lHIS
MESSA131:: IS Nor TI-lE I~NDnJ !t~If>I"NT, OR rHlO: BnPLCY1~ OR AGENT R8;PONSIBL:: FOR DE1..IVER,NG THe M~~;~G!: T·:> THE 1,"1'FNtlED
RECIPIENT. YOU ARE IiEl'tEllY NOTIFIED THAT .-.NY DlSSEMNATIOr-l, OI!';TRIBUTION ml COPYING OF TrUS COJ,lMI,INICAllON IS .ifNICTLY
PRQHIB!1l:0, IF YOU HAVE RE;CEI\IED THI~ COMMVNlCA1l0N IN ERROR, PLEASE NOTIFY us IMMEDJATELY BY TELEF'HO~ A~ RDUR~j ':HE
QRIOIIIW.IlAESSAGF TO us AT nlE ABOVE ADDRESS VlA THE; I).:;. POSTAl.. SER\o1C!;, HWJK YOU.
EX _.-A2__.. PG .~.~~Z.-
Notice #3
Exhibits Volume 8
8-430
-
11;0612006 12:56 FAX 213830. ~ JIl2
·~r:i.C4.'II 'Nho1.BRle Lemler
"rCllI\EL ~·l\..'i£S O'l1.E1:.LY !)IlA ·P).CIJrIC

HCRl'Gll..Gl: crmS1:L!AlIiS
~~an~~ ., 000093)
'150 ~NP""'O Sn>.SE"l ~!: 110
S1IN R1\FlII;;L, CA 901'll
PhMl.; (415'257-2701·
fi...· _ Fo><~ _
If yOU hew qlJ9Dllone about Ihl.letter, p1_. c><>t>bocl u~ ..~ ti-.. ~Ilone nlJt1ll>e:: /'lO0"'"
·Loen numbe. 81737375 hae be~ ~.vi... ~j a~ cne fD~.owinq ~e~.s fo~ ~rVT~ llA~:
!.b8lo ~1'09'1'" ~ . !!>/~ 10= AJO( II:It.e""">rt:On.l.y 006J_T",., O'R!'lEl'. occunsD

~nT~; llLOVCED
"'\lJ'.CI'.hS~
Rno".,. '111"'. Aloka-, .,,/;.,
~_:~o .s .I'Z;Cf\ DR ~&-, 72:\
m:~~'/ Iln.!-S, C'-"
LOck &xpirati<ln
90212-3"115
!Jat;e'
~T_. st"J'.
U.npg,l~ Fir.st:
_.
LaIIn NII<l101l
1,37~,4DO.OO
~_
,o.p~ """'"
0.00
BIm1_
19.1os p"""
1.11e,DDo.OO
__
tTIIlCtTv
8u.00 , 90.0) .
Ilb¢ ,..,.
lO.~OO 5.500 0.000 o.oeo
~":';~l ~;o ;= ~nl "--VI

No, NO. of
'l11is loan has been SUSPO'IDE.O until t'~u~ {u11Dwj,ng' i,:o.~oC1Q,,1l't).on 1.6 "Pt:ovidr.:d. We "'~.3t. )~eee..i.v~
thin. i.n.!(}t:matiQ~ by 10/25/2004, tr Wo(t :I.e no-to zltceivc it Pi' 't.h.oI.'t. da1:.ar W1il W1118't:. clo.'Sl~ e'l\e i l l ..
for incc:..plet.-Cl:l")e.~o... Ifhf;':t\
det.flDtlinat ion ..
w.
:x;ec:.eive t.;\l; 11"lo!'On:ltltior., ....e will I:t'V-iow t};~ fjli! i-al: J~urtne.r
<;oT)Ciitian CoDnd..1u..on Dt:Jc/c::oncnect..
~r.te::.t.~ 1::_ be ~rt6tC'd t..o _,be.. "lSI. «W w !-ee tor t.h.1~ Qloh.ancod.
e;lC(;opt.~Q:n P.T09S'"
Provide t:ODfPlete
-wi.ll eo~ ...C't. ~ 4
e.)iec\l:l:.~c! PUl"m'lJ!.':O
Doubctltvt.Q
OQn~rAet. ~r;l:OW l..n~t):"Ur::t.1or:t~
;j
"
~I
.,~
._ ..._------------------------~_._----- -
)U?R'M!S..AL....A~~ \-:IELD REV:I~. ,":C SUPPO"T ~. .)
':>.1.,718,'000 proqK.-un qu.1da1.iJ:a.o, ole. (:QtI.~ t.o brwrl .... 1.11 ordE''' l't't.f:r
earp ~vbJ... forrl~.ur:d lOJ''-5/0Cl)
5 t;O\U\I;(.-ru>/~~;;= 100J (AT I.t>:l:-lN-I'J\TE)

.ho~ ~ypg cf b~~~.»
£P_go ~ c~ 2 20/2G/ZCOl ~O;1'.51)
.UN~~OO~A.''f.P
~'.usl"""'4I~
IIIIII1
·~~ttt·
1111111.111
• Q e , ? • ., 3 7 S DODO 0 2 E :z e 1 •
0631007026 3
Case 05-90374 Document 260-12
=~=========~=====':;_==;'=='=""''''''''''':U''''W =
Filed in TXSB on 05/08/09
!r.I!IIl:!!lI!!IIIlI_I!lSQ. Page_14
:a!!llllIl!l!!!!I!!II1_ of 35
nl-I!!'!!!"-!!L!!"!!'!!.!!!!""'!""!!!!I"I'!!!"!!!II!!!!!!!I!
11106/2006 12;~6 FAX 21~S3u_ .J
',../
i.oaIlt: 91131375 ~. _, S:.;i'.Hl'JIl=="'f,...,;ll:..:I:.:VI..::::E~ _
tI... "'2.1.~ :bot ~ble ~o :rund ')to:u.r loen w'he-n 'Ch ... J-:Al.l..ovt.cq 13lOnd1~1.cm'!l a~~. ~t. ('t,hc~ ;"t~. "'..1.1.1 ~ ..leo a.ppcc.r
<1" ~QUr c.lQ~bJg '1.D.trvdd.•Orll s
---_....... -----------._--------_ ....

!>.l'l'AAU'-!.-IICct:l'V.ll:J> on./""''' '-"vnJJCl\L.
_--~._--------------
(KIN v/>.V'v_}
.... _---------~---_ ... _-
;,f no"'; t~tW· ext. 4;) ;. JIilQQl't.
7 A.l'PRl.:::"...... ~I'''''Z.a; Te PkOVllJ. ~"'OlllU;NT ..rt:Jj;)In

~.rov"do .Q 1.• Q 001(1 .uJdJ.-:.1on.. l .. g.-~ (;)f ~).QI'" ph(n;o:,
RPa.oc 01 C()PT CF· rl~ MORTCA'Q:l~ J:JOn:;

CO'Q.:;g.-x<iKlL r:J.CIIIC .i:t.R ll:td At ;a 11100 L praoi.dq OO't.e
~o nr-a-l&-CQl'fl'lErElSI= FOOH ~';06 I S~-ol
1.:' (,:oJ.l.ee S'.OD ..app.rA.i,.A.l, fiQlr.t l~t:'Jil":W f~ 'fro," bJ:"¥r .t o ctbOJtO""
'.J"'k,an)(. you tox. P\l\;r.\.'i.tUf'lg' your lOAn (~~n.I:.ryvirlt'1 ~~r~c~·. Wh,a)leab.l.oc ~odc::xl \t .. 1.the-r..ly ~(d.0C;..i.... t.1\
I
r.'i:'
yovr bu.'!lue83..
n",tr
Condi':':iQTl [ .. ~ e f ~ .
---------------------------_._----------.---
B~ MUTTEM F..XZt.:'WaTtOlf RLGAlWIllG_
.AGC6F't.b~~ ~l.n..ticn \Il)Y .a:r... :w1nl:II&1D ~q cll reve:r:t<: j.~ 0)" 1:'2i S('J
Al.txe-a., ;l", .1'1..
Uo.-.i:!.y qiOk or. d~pn~lt' til} ""'~c.r~»I . / ,w~ot:c v.e:r-i.tied
F;;;Q'Viae o:p 1>J.intltJ'rI l..i~:n· u:: ~f" 1~:.~J' ve~l 'C'f1.n'J !u ... d. lib:'It Z
yr. \.0'" 0 l D o-i .4c:l.! C'ftF1.~ sAIne lQc.'t.~on
(li.. g .. 2 of 2 10/26/2001 10,44';,2)

• tJNDER\II/llTl'IGI:JI!CE~lET1'3\. WUl
_-U${VM")
I.
06310~7021 3
, '------- -----l
~ Countrywide~"1
750 Undaro
Suite 110
AM ERI eNS WHOLESA~~EN:)E~j
Fax
_ I'd\
~~ 0 e t<' e$V1ttV t<J_'Z-t'_ _
I
Fro_m: Maria McLaurin, Branch Managel'
Fax: (JI3) &;-0 - (3q~: - - - - -Time:

----- ---,-------
Phone: ___
Da_te_: _--l!1(e i~ ,_.
Re: Fax From: (415) 259-0865
---------_...:.....-.:... -----------.-----,-_.-
Pages: Phone: (415} 257-2703
o Urgent o For Review o Please Comment 0 Please Reply
------------
• Comments:
J-t?
Confidentiality Notice: The information contained in and transmitted with thiS communication is stric'I:'
confidential, is intended only for the L'!;e of the intended recipient and is the property of:ountrywide
Financial Corporation or its affiliates anc! SUbsidiaries, If you are not the intended rec:plent yell are
hereby notified that any use of the iniormation contained in or transmitted with the communication or
disseminatIOn. distribution. or copying of this communication is strictly prohibITed by law. )f you haVE:
received this communication ;n error, plt,ase immediately notify ttle sender by email or te!ephone anc
delete the original message or any copy of it in your possession. Thank You,
8-433
~counU,Jv,n
m 10M,.. -dl e''
AMERICA'S 'NHOLESAU: .EI'UlER
C.E:-JTE·'
S.'\CJ RAF .... E .• CORPOB A"-'
750 Lf.'H'Ano -5TRE.ZT. ;';'.Wlo JIG
SA~J RAFAE·. C"'L.l~OR'HA "4901
(41 5) 257 -".~' 00

(415) 259.(Jt366 F,,,,x
November 6, 2006
Victor Parks
Re: Nivie Sarnaan

Mr. Parks,
This is to confirm that Countr)'\'~.de Home Loans processed the above referenced
mortgage application on or arollnu October 14, 2004. The loan was Suspended pcndirr
receipt of a copy of the fully executed purchase agreement. Atlached is a copy of the
letter issued by Countrywide Horne Loans.
Thank You,
jIlL 11~-X~~_..
Maria McLaurin
Branch Manager
~) N~~ T] I
EX --t:::.r-,-·--EJhibli.;tItMlJBl-__
J1
B-434
COUIITFlVWlDE HOllE LOANS, INC. Mlcr~ JP.HEs O'REILI.'I DBI'. p,>J::::nc

HORtGAG~ CON$OLTANTS
lll':anclt ,: 0000933
750 Lt~Ol\.RO s-:rroE:l sn 11 0
Sl\N RlIFAEL, C7\ 94901
Phon", IHSl257-2'701
r""1IX: Qmbf F8,,)l;t';
II yOU hftV8 Questions about thls \ellOr, plO.UKI =ntad U!J at th" phoTl<O nUlllber above.
Loan number 01737373 heo bf,en revill"ed at: the follol.'inq terroa for NII1!£ S.u.tlV\Il,
OcwF"""YType: OWNl':R OCCOPr&O

OoaJn_lallon T\?O' ~UCtO
f'ln.oncoTn>o: PURCHASE; RifJe G;ade; Ill'.
P,.",.r1]I ~ 320 S PloCK [;R o.dlrSaY.' 723
SEVS<U.:; HI US, c."
'0212-3713 Loci< upiration
Date:
ProoeItfTypo: Sf"R
u.n p~. f"ir~t
It--.Amotnf 1~IIO'dV"'" =ilQP""," liVIClTv

1,374,400.00
~ l\iiio
IlT.500~.~<lC
I
0.00____
Sial! 1Ur.
1',719,000.00
<100..... Plo
0.000 <'
Bu.OO f 90.0"
::lto.c I'tr.
a.Dot)
_
It\d<Ix ~.'- 1."" r,;;:;,,,,,ymon1~:'-- ..----

2.461 2.2:>0 360 ~, Nc. cf,~:,,-=--,J_ _,
This loan has been SU~'E.;t..1)EO until t.b.liI following Lnfor:fI\4.tion ic proV').ded. ;40 lUu!:t r~cei~~
thio ~J'lfomtat.ioo by 1D/25/2004. If ...,e do not r6cl!ivc it by th.at dattl, V'e 1r.\J.3t clQ::&e' 'the filf:
Lor inoolnplllten~3~.. when N"e reCe4VII!!. ":;r,C' lnformc.tiOfl, ""e will x:ev1e w r:ht!- (i.l~ ;fer fUI:t.heL
(Jetexm~nl1tion.
Condl t ion CondJ. 't.1 on D..-sc/CotQDlon ts
CClI:'P ApprQ"J.al req'd tor t.h1 .. "!tnh.a110Cld progr.un ~I • is' "dded toO
f~ , .ny eondlt.1.ons, prov.iu. .. cClnIpl"t.. c;opy ~ekaqf'l .10D9 "'.11;."'1.
a~l. concUtion~ 1n trlpl.iOotlte-
Pr.icln9 r.o b. eorr-ectltd to she~ . "f.$ __ &4(1 ~i,) tlt:"e" tor ~1:;. -en.h8,t1oed
...e«p'tJ.Or. p:;r;og.t"4UtI.
i'z:ovi.d« c:orr.ple-ce e.wec.Utr:d purch.,el'l.J:I contract. ~.c;ro'" inal.ruetlOf1'

"1,1:1. oo't. .Act &.8" a cub~t.it.ueo
-------------------~-------------~--- ... ----_._---------.... _----- .. _--------~-.----

~PAAISAL-~ FlSUl RrV]n ITO 5rIPPOlt:r S l
S1, 718,.000 PfOQX.a auldaline a~ t~.t' 'to brwr. ""ill Q.rM'I' A1t~r
corp ~pptoOVl!l (ord.. rll'd 10/~~/04!
CORREc:nc/S1GIml l003 [AT UlClC-!f'-R/lT£l

.,)),ow type of b1J')100fill8S
• UNOEJll'/~ te:~i.ST'l£R, I'oUJ

2£2lI'-Ull (09Il><lldl
1111111
• ~ ~ t , 1 •
1111111111110
• OD'7'73711COOOOZE2~"
I
.I
lDBt1l': 8 17 3 n 7:; SMIJI.lItI. NrvrE

i
W.. )1111 b<e ..bIe teo fund you:r lo.a.,. -wh:-n t.h. !ollo'lol'il"9 conditicI"':J tlirot: ~t It::he:~e ;lt~m.) wlll _1"-0 ollppc~.=
t'>/i your clo.t:..Ln9 .in:tlt:euct ior.Q) :
Cond1t..1.on Cond..1 t ion DfN.el COGmcnc;.;

--------------------,----_.------ ..-- --------- -_ .. _----- ---_._----- ... ---- ..... ~. - -- ... - ....--_.---- ----
AJ'PAAlS").-1-CC~PtAal.t
Ol:.fl'l.:W Al'FilAISI,l, ;I!IN V..... ·~_l
if I"\ot. fundod t-y 121:1 pt'Q~'ide 4 driveb~' CIoHt e::a b re-c:ert.
7 /l.P?RAljiAL-~~AA.X$D\ to £'Pr:JV.:Ve aJTUU:)lT l.ICENSr;

Prov.i.do- ,al,o Iie-• • ckH::.lo...... ) :'Iff":' of eolor photo",
H.£.L..OC - COP'/ O'!' VIPST MCltIC,l,{;E oon:

Concu.rrvnt C'lo.~ ",it.t\ ::::na at Sl'71800 , provide not!!'
nur.nk )'au for lIv-mitti.nq YOq: 1041\ '.:0 c.,unuY'-'idc, ;\rIc=icn's Whl)}ea.ele Lend<::t ~ W_ sinc",rfoly ap'Proci.lol.~:g
you.r bU9inc-ss.
:.0/1412004
OndoeIwr1t.. r
DVPfi<VP/RSM
1:1
I·,
Ccmd.i'tion
~---_
tifIo5tJc~nr.~
.. _---------------------- ...
~.fl WRITTEN EXP.'LAN.AT~on
_---.. _... __
It.£GAROING ~_
._----------------------~----~_.-----
~
~cee'J>t..abl. -eoXpl.IUUtt1ofl vr.y bU:1);n..15 .i.r. .11 rev-ex,e- .1~ on l.2::n So
Ufred. 1 L.h.
V~rify $3n;.;.
provide OJ' bU51o ... ::t.::I. li~'O;"e t'l C:P1\ l.....-t.t~i!'1· verifying ·'iled ld3t. Z
yr~ 1040':3 Q:t 15el ( ..ltlp1oyed It~ lQ~t;J.on
1,
i
wr hk ~t.~t .681-4:199380 !or "Ill:! t.n'!'"u eJl~ 4t: :>180lc:
I j
'J
P'''9<>
• UN:>ERWRl'T1'lG ~C~ L.ETlER - W..n
2£201-US 1-',
---~_._~~---_.----._-~-_._------------
Notice #3
Exhibits Volume B
B-437
Todd To
BoockiAttomey/legallCF/CCI
cc
07/05/200707:32 AM
bcc
Subject Fw: PLEASE ASK SANDOR SAMUE l S TO STOP f~EII._
ESTATE FR~.UD

From: JOSEPH ZERN IK Liz 12345@earthlink.net]
Sent: 07/04/2007 07:20 PM MST
Cc: sandor_samuels@countrywidc.colll
Subject: PLEASE ASK SANDOR SAMUELS TO STOP REAL ESTATE FRAUD
FOR IMMEDIATE RELEASE
COU~TRYWIDE*(NYSE:CFC) SlJIB-PRIME LEADER SEEKS PROTECTIVE 0 RDER

AGAINST DR JOSEPH ZERNIK
Beverly II ills, July 41n Samaan V Zernik , heading for trial, an invalid Countrywi de dOCUl1lvnl..
dated October 26, 2004, was declared as dated October 14.2004 -- deceiving the court (lnd
committing fraud against Dr Zernik. The fraud \o\-as committed by collusion of Nivie Sallllan
and Maria McLaurin. Countrywide Branch Manager. In 2004 McLaurin and Samaan also
colluded in Mortgage Fraud attempt ane in Wire Fraud. Based on data for 200 e l. as estimcrcd by
Diane Frazier, former Senior Underwrit.~r, McLaurin also probably per~onally approved ahollt
$0.5 bill ion per year (!) in grossly fraudulent government-backed loans.
Angelo Mozilo is Internal Audit Committee Chair, and Sandor Samuels is Chief LCglll
Officer at Countrywide. Samuels also ~.erved in public positions in Ziegler School for
Rabbinical Studies, and in Adat Ari Fl. and is now President at Bet Tzedek (free legal sen'ices).
Tzedek Justice Ball, July 28. 2007 raises funds to provide "equal juslh_'(:for oil ".
In recent days, Dr Zernik approached three community dignitaries - R Jonathan Bernhard ,.1'
Adat Ari EI. Hon RW Schoettler. and R Joseph Shusterman of Chabad in appealing to Mr
Samuels and Mr Mozilo to stop real estate fraud in Samaan \' Zernik . Both CHllltrywidc Alicer~;
declined to take action, and Countrywid,~ announced it will seek prot~ctive order against Dr
Zernik in Santa Monica Court, Friday. J Jly 6, 2007, 9:00am. Unusually broad protective orcle'
for a public figure like Samuels violates the Freedom of Sp,~ech.
*Countryw,de hcre dcnotcs Countrywide Fmancl3llnslllulI@ and all,ts Subsld,anes and aftlll3tes
"-or addilional i,~rormalion regarding this action conlacl

Joseph Zemik, DMD,PhD
Tel: 3104359107
F'ax: 8019980917
Email: jzI2345@earthlink.net
B-438
END
D- ATTACH K-PROCUREMENT OF PERJURY. pdf
1'1"-)('
"~YlIlI"
b,,...
-
.~ " .'
LL
. . ......
~G
ot
L;-7~--
e 3~._.. ~~
Exhibits Volume B
B-439
•Jae Arre 'J.R.' Lloyd"

~
To "Mana McLaurin" <Maria_Mclaur'T<@)(;()Jntryw:ae.curn>
<jrlloyd@Shcglooal.nst>
VI 11/03/200603:21 PM
co
bee
SUDJeet Sarnaan Suspense from Countrywioe
Here is the Suspg~se lss~e~ by :0u~trywlds. Again, we just need S SLa:eme.t ~l

(Ju~cielinE' showi:')S :nat :he E'lJlly £xeclt:ed P\.lrchasE" Agreeoment is r'~:rC:l.red "
Count:rY\ol~de for ,1:',2.1 L03" Apprc val.
n',aok you
~.r. Lloyd ~or V~:t0r D)rks

31Q.2:5.S3S3
~
iItlar.red1 PDF
EX ___~~.o,__N~G _._ZL
.. Exhibits Volume B
B-440
-
~:i.C<l '.. M'hol....ala LeDdIor
COUN'TRYWlOE 1i0MI: LOANS, tHC. M1CllJ,l:" ~J\I1E5 O'IU:Il.LX DeA PACrr.tt

MORtGAGE CONSULTANT~
Branch .: CJ00933 ~o~~~· VICTOR PARKS

750 l.!WOAAO Sl1lE:!:r SiE 1H
SAN RM'I\.EL. CA ~4901 8rot<er Pno••
..hone: (4151 257-2~Ol
~. BrolCw 1'0" 1If:
If you MV. qoo8'llona about ltl~ ~. pIeouoo ,lOfl1:aCt \Ie at the phone n"moor above.
LO~() nurflber 6j13137~ has been re"Jil@\rIe-j .!It I':.he following 'ttlnle for NIV!:':; S"MAAN' "
Oo<vponoyT)'?O: OitlfllR O::CUPIJ;O

~T,....·. RMUC;;O
F'tnanal TYP" PUACHAS& _<nne N/A
prop.oly Adoh ..; 32 0 S P I;ClC OF. ~t5.(xrr.: 123
BEVER!,Y H:Ll..5, Ch
90212-3715 1.0(;11; Ex.pJ..ratlcn
Da~e:
~"YT\'PK Stll
~ruJliDn F,l,x!tl.
i~=oo
:.461
a~'-
2.250
~~"'"' -Jl.~~::-·~-1
JEO ,,~~~. ~ J
. ._.
Thi!> lo~n has t1@>~n SUSP!=NOED ullLil t:r..e fo110""1.1'19 infcC1'l"\.at.ion is pro·"idod. H9 mu,tl't. tece'live
'!:? N,). of __ __
thi.s ;\.nformatipn by 10/25/2004. If" ... ~ do not. re;;eivc .1.t by t:1iit dat.e, we nau.."S,: clo.'!-~ ":he f:.le
for inoct'llpleten'C:!~:J. Wh<f:,r. 'We l·ec~:.ve the i.nfO~tlt:'on, Wf; ffil.l review t.he file ~o:: ftlrther:-
deterl:tinat:10:l.
Condit.ion Coml1t.l,.on D~~c.lconee-nt.
CClo:t'p app.rolt~l req'd [(,;1: 't.h1. il!IHbance-d pr09ram wI • '5~ .dc~ ~o

tee " .ny cor.()1t.!on, ... provide II tll:mpl ..te- r:QPY pecJulg~ .a..l.c:lpo'J ",1.th
llil coodJ... lor., l.n t.r1t llc..'t II!!!
Z Prj.c;,HI!i to be COIJ:~cted t.O sho..... ,." add to h:e !o~ thi .....flh.need
.y.c.. ~ti.o" pzoq.:rAn
3 rrOV1.M cOtnplllt< .KKU';c:d l='-ur~h.as,." OOtlt.r..not.. 'ltBCl.OW l.nst.:rlJttl0n,

. i . l l J1.ot. ..ct. . . . . . Lt-b.e;l..tv!;,Q
.a APPAAISAL-.....CCEPTABl.oE FtELD ReVIE-r (TO S~ll\l $ _ _ .1

S;L, lltL (lr~f) proqram quld.el.1.t::Q a't. ~o.t to brvr. will Qrd~!'" &fte-r
oorp .. pprD~.a.t (erdt"r..d 1 O/'.;:t41
::;, CORRLCl'lttJ/5IGN£P 1003 (AT LOCl-;-llq-JV,::£i

tho'" tn)l! of bU!liM'S
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• U •.cERWRlTl>oG OEClSo.-'COlUJlON l£ITE~· w..D

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Case 05-90374 Document 260-12 Filed in TXSB on 05/08/09 Page 25· .I&iQ.2ZR
of 35
"Moe Keshavarzi" To maria_mclaurin@CQunlrywide.com

<MKeshavarzi@sheppardmu!l
in.com> ce
1110612006 03:22 PM bee
Subject Sahiaan letter
Mana,
Attached please find the declaration and lEtter I would really ap;:lreciate your heip, as we are only a~;k'ns
tor the document to be authenticated If i'Clli have any questions please let rne k"low. If it is accepl3blE: to
VOL' please sign and fax it to 213-443-2910. Thanks again.
«DOC.PDF»
Moe Keshavarzi, Esq.
Sheppard MlJllin Richter & Hampton, lLP
los Angeles, CA 90071-1448
Direct Line: 213..£17-5544
Fax 213-443-2910
[mail: mkeshavarzi@shepparomuHin.com
'This message is sent by a law fi.rm and may contain information tacit j s
privi1eged or confidential. I~ you received this/transmisrno:l in e:::-rOI', plea,5l;
notify the sender by reply e -:nai 1 and delete the message and any "ttac:hme··'~G.
Sheppard, Mullin, Richter & Ham~ton LLP
please J~js;±t: our website at ,:""w.sheppardmullin.com

~
DOC.PDF
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,I
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1 DE·:LARATION OF MARIA McLAURH';
2) I, Maria McLaurin, state and dec::are as follows:
3:
4· 1. I am tr.e br;mch manager for the San Raf~leJ b-ar:ch ofCo..:mrwli:ie
5 " Horne Loans, Inc., :he'branch that processed Ms. Samaar.'s loan (loan numbe;' 817:\73 75).
6 II In or around October 14, 2004, Countrywide suspended Ms. S2.ma;:c'; loan (ll:ca:JS ~
711 Countrywide had not yet re<:eived a copy of the full y execut,d pUd" se agre< :ne.n:
8 11 Attached hereto as Exhibit '::,0 is a true and correct copy of the letter :hat Couurywde sent
9 !I to Ms. Samaan's broker, Victor Parks.
10 'j
11 I I dedare under penahy ofpeIjury under the laws of tlK State of Ca:ifinn:a
1:? i that the foregoing is true anc correct.
13
14 Exe:c.uted on November 6,2006 at San Rafad, Califomja.
'"
15
16 I
17
Maria McLaurin
18
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213-620-1780off;ce I 213-<:20-1398 f"" I www.!Jhe.~pardml1liin.c..1T1
F A C S 1M} I. E C 0 V E R SHE E T
** I1fIS FA CSIMII:E TRANSMISSION WIlL NOT BE MA fLED "'''
Date: November 6, 2006 _ ____

FiJe Number: 0100-0921 (,2 J
Total number of pages: If all pages are not r-...,ceived, okase c;al1
(including l-pa&o cover &heet) David ZaslofI at 2 U-620-178(}, PLXt. 4507
TO: Facsimile No. Tel~)hone No.
Maria McLaurin (877) 812-5397
From:' Moe Kesllavarzi

Rc: Samaan v. Zernik
MESSAGE: lfyou have any questions, please ca1J me.
NOTi!:-.:!i:16<:..M~; IS IlffENDED ONLY FOR THE USE_OF ;HE: INQlVlOUAl. OR ENTIW TO WHICH IT IS ADDRES:;~D, A~Y ~
..
INFORtvIATlON THAT IS PRlVI!.E@l:D, CQNFlOc!lfTlAL ANO ~JPT FROM D'SClOSV~ UNDER APPUGABlEJ,,I\...\'l. Lf: 1ri~ f-( 01' 1HIS
MESSAI~t ,s ",err Tl-lI~ II'l"TEND£;J) kECIPI~, OR THE EMp~OYE~ OR "GENT RESPONSIBLE FOR DELIVERING THE' MES;AGE TO THe: ~'TENr::(;D
REC1PIE'NT. YOU ARE HER.E8Y NOilFIED 'THAT "NY OtsSEMlIILll.TlOi'/. DISTRIBUTION DR COPYING OF Tnl') C(Jl'.IMUN CATJON IS .:TRiGrLY
PROHJB~O IF YOU HAVE ~CEJVE:D nilS COMMUNICATION 1"1 ERRDR, PLEASE NOTIFY US IMME01A1E.Y BY TELE"i~ON;:: Al..t:l R£"URN 1HE:
OfUGINlU, MESSAGE TO US "'TTHE I\BOVEADORCSS VIA THE; v.~: POSTAL. SERVlCE. TIlANKYOU.
0631007025 3O:STIMMK1>100l17164.1
Case 05-90374 Document 260-12 Filed in TXSB on 05/08/09 Page 28 •of 35
11/,)61200& 12: 56 FAX 213~:JO_ I4iC02
COUNTRYWIDE: HOME: L.O....NS. INC.

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(1, Page 30 of
• 35
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~ Countrywide"I
750 Lindaro
Suite 110
AMERICA'S WHOLESA~:_~ni~)E~j
Fax
To: /!t 0 e l~ e$ha Vayz.----'-('_~F~ro~m: Maria McLaL.rin, BrdrJcfl Manage-
Fax: (J/3) V)-u-(3Q? Time:
Phone: Date:
Re: Fax From:

_ _ _ _ _ _ _ _ _ _-'----C. (415) 25~l-0865
Pages: Phone:
--~----------'----'---_._
(415)257-2703
.. _---_ .... __ -
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o Urgent o For Review D Please Comment 0 Please Reply
- - - - - - - _ .... _------
• Comments:
).t?
Confioentiality Notice: The information contained in and transmit:ed with this COrlr:lu"icatlon is strict)
confidential, is intended only for the use of the intended recipient, and is the Droperty of Countryvvlde
Firlancial Corporation or its affiliates and subsidiaries, If you are not tt,e intended reciple-nt, you are
hereby notified that any use of the information contained in or transmitted wi::h the comrllncation or
dissemination. distribution, or copying of this communication is srrictly prohibited by law. If >'OlJ have
received this communication in error, please immediately notify the sender by em2.,1 or le!l=phone and
_-"""""""'-_._---!J%Q"'-------_.._---
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AMERICA'S "VHOLESAU LHHlER
S,4"N RAFAE ... :::.:ORPOg ..... -:-'! C:E ...rre=t

750 LINr' ..,llU STR<.~T, c.l'1T= llL
SA.t-J RAFAE_ C:ALIFOP..:-,·iA ~,i4901
(415) 257·~,"CO
('lIS) 259_CJEl66 b,.X
November 6, 2006
Victor Parks
Re: Nivie Samaan

Mr. Parks,
This is to confinn that Countrywide Home Loans processed the above referenced
mortgage application on or around October 14,2004. The loan WlS Suspenced pendin!~
receipt of a copy of the fully exe~.uted purchase agreement. Attacncd is a cn,:))' of lhe
TIlank You,
Maria McLaurin
Branch Manager
31~
_______
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"'-rica' _ Mhol6lh'lle Landar
COUNTRYWIDE HOME LOANS, INC. I\ICH~ J!'J1E5 O'!'.E'::1.L'i OM l'~c:nc

MORTGAGE. CQHSGLTAN7S
V!C~OR
Branch ,: 0000933
750 LX~OhRO S:P~~J ST~ 110 ----
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Condition C:onoJ.'Ll0n D~c/Com1li&l'nt~
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TXlRX NO 2051
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TX/RX INCOMPLETE
TRANSACT [ON OK (1) #102918019980917
(2) #102912136201398
(3) #102913104471902
ERROR INFORMATION
---_ .. -_.. __.
Brian COile I.LP

Facsimile Cover 120 ClrclldwllV Suite 300
Sa ira Monica. CA 90401·2386
TI;1131OJ ~,76-4100
Tbi.!: facsimile contains information !hat (8) is or may be LEGALLY PRIVILEGED, PR.OPRIETARY
Fa:c 131GI )76-.1100
IN NAltJRE, OR OTHERWISE PROTECTED BY LAW FROM DISCLOSlfRE and (b) is intended
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---_._-----
Date: July 3,2007

From: Jenna Moldawsky, Esq. Telephone: 310-576-2377
To:: Joseph Zernik DMD l>hd F~Nu.mber: 801-998-0917

Telephoae: 310.286~95G7
To: Moe Keshavarzi, Esq. Fax Number: 213-620-1398

Company: Sheppard Mulliu Richter & Telephone 213-617-5544
Hampton, LLP
To: Robert]. Shulkin, Esq. Fax Number: 310-447-1902

Company: Coldwell Banker Residential Telephone: 310-207·2S6~l
Broker Company, Lega] Dept.
Matter 0049173 Number of Pages InC:.uding Cover:;3 .

Message: Re: Nivie Samaan v. Josep}l Zemik, LASC Cage No.: 5C8087400
Please see attached.
-x
E _.£ N~J;~.~ ~'-~-
··"--Exhibils Volume B
B-453
Bryan Clive LlP

Facsimile Cover 120 BrJadwa'l, Suite 300
Sol"la Mcnica, CA 90401-2386
Tel131C I 576-1100
This facsimile contains infonnation that (a) is or may be LEGALLY PRIVILEGED, PROPRIETARY
Fax (3101576·2200
IN NATURE, OR OTHERWISE PROTECTED BY LAW FROM DISCLOSURE and (b) is intended
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copying or distributing this facsimile is prohibited. If you have received this facsimile in error, plea:;e
telephone us immediately and mail the facsimile back to us at the address to the right. Thank you.
Date: July 3, 2007

From: Jenna Moldawskr, Esq. Telephone: 31U·';76-23T'
To: Joseph Zemik DMD Phd Fax Number: 801-998-0917

Telephone: 310·286-9567
To: Moe Keshavarzi, Esq. Fax Number: 213·620-1398

Company: Sheppard Mullin Richte.r & Telepho:lc: 2E··(it7-5544
Hampton, UP
To: Robert J. Shulkin, Esq. Fax Number: 310-447-1902

Company: Coldwell Banker Residential Telephone: 310··~~07-2561
Broker Company, Legal Dept.
Matter 0049173 NJffiber of Pages Including CO\'I:r: ~~_

Message: Re: Nivie Samaan v. Joseph Zemik; LASC Case No.: SC8087400
Please see attached.
_------------------------------- ---_.------
.
To Sender:
Do you wish to be contacted when fax is sent? DYes
Do you wish to be contacted at your home/office if fax ['gI Yes
cannot be sent within one hour? Tel:
._---------------------------------------
If all pages are not received, please call (310) 576-2374 .
.Ienna i\lold:l\\ ,kyo ,\$~omt(·

Direcr: 310-5;(,-2.177
lcnnJ,moh.J:lw:"k ~'@brY:lnc 1'-1:. ~()1TI
July 3, 2007
8"1". C"VH llF
12) bod" ay, ~ ",Ie 300

Sa-'l" Menlca. ':A 90401~2386
VIA FACSIMILE AND EMAIL
Tel ,10) !ii'·21JU
Fax ;110·5J6·12)0
Joseph Zernik DMD PhD W\"Ji. JrY.lncavl~ com
320 South Peck Drive

Facsimile: 801-998-0917
iz.l2.145CLV,carrhlink,nct
Moe Kcshavarzi, Esq.
Sheppard Mullin Richter & Hampton, LLP
333 South Hope Street, 48th Ploor
L» Angeles, CA 90071-1448 Los {\I1~J '!{';
Facsimile: 213-620-1398
mkcshavarzi@shcppardmullin.com
S~'i'11qh;11
Robert J. Shulkin, Esq.

Legal Department W,,;h n< lOll, DC
Coldwell Banker Residential Brokerage Company

4nd ~'r~dfJ Cavr::
11611 S:tn Vicente Boulevard, 9 th Hoar A Jl1lJ,'t'f'd11'Jn&, Partnership,
Facsimile: 310-447-1902
robcn.shulkill@camoves.com
Re: Nivie Samaan v. Joseph Zernik

Los Angeles County Superior Court, Case No. SC80t7400
Gentlemen:
Please be advised that Non-Party Countrywide Home Loans, Inc. ("Countrywid,~-) is

applYlOg ex parte for a protective order directing Defendant Joseph Zernik to
communicate solely with Countrywide's designated counsel r~garding the subject
matter of the litigation and no other Countrywide employees or associates, or, in the
alternative, for an order shortening time to file and hear a mc,tion for a protecti,,(
order. The basis of the application is that \1r. Zernik has repeatedly communicared
with represented Countrywide employees regarding this litigation and has contacted
persona] associates of Countrywide officers to discuss the pre~sent action.
SM01DOCS\(,4V,,71

Moe Keshavarzi, Esq. Bryall Cave llP
Robert J,. Shulkin, Esq.
July 3,2007
Page 2
Countrywide's ex parte application will he heard at 9:00 a.m. 0:1 Friday, July 6, 200'?, in Dep:.rtmcnt
WEI of the Los Angeles Superior Court, located at 1725 Main Street, Santa Moni.;·;), Calif01 nia, 1)0401.
Please advise as to whether you intend to appear and/ or oppose Countrywide's o:pm1e appLc3.b.0I1.
Very truly yours,
'J'J>vNA-~~
Jerma Moldawsky
SMOIDOCS\643637.1
EX f~) O(':~ qI
"'.-.-..Nftice~ ---~.--
Exhibits Volume 8
8-456
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
EXHIBIT B(S)b
22
23
March 7, 2008 Motion
24 for OSC re: Contempt &
~: Sanctions exceeding
~: $16,000
Case # 05-90374
,-
BRYAN CAVE LLP

John \Y/. A,mberg (CA State Bar No. 108166)
2 Jcnna Sloldawsky (C\ State Bar No. 246109)
3 Santa i\lonica, California 90401-2386
Telephone: 310-576-2100
4 Facsllllile: 310-576-22(10
5 Sanford Shatz (CA State Bar No. 127229)

Todd .\. Boock (C-\ Stare Bar No. 181933)
6 5220 Las Virgenes Road, I\1S: ,-\.C-11
7 Telephone: 818-871-6045
Facslll1ile: 818-871-4669
.\ttorneys for Non-Party COUNTRY\X1IDE HOi\lE LOA\lS, IN( ,.

9
10
SUPERIOR COURT OF THE STATE OF CALIFORNIA
II
FOR THE COUNTY OF LOS ANGELES, WEST DJSTRlCT
Case No. SC087400

14 Plaimiffs, NON-PARTY COUNTR Y\lV'IDE HOME
LOANS, INC.'S AMENDED NOTICE OF
15 MOTIO\I AND MOTIO N f1l) TO
\is. ENFORCE THE JULY 2.1., 2007
16 PROTECTIVE ORDER A.GAINST
DEFEN DANT JOSEPH ZERNI K; (2) FOR
17 IOSEPH ZI.:RNJK, c1 al. MONETARY SANCTIONS AGA.INST
DEFEN DANT JOSEPH ZERNI K IN THE
18 Defendants. AMOUNT OF $16,170; (31 FOR A
DECLARATION THAT COLINTRYWIDE
19 HAS NC OBLIGATION TO RESPOND
FURTHER TO DEFENDANT 2.ERNIK
20 REGARDING THIS ACT [ON; AND l'4)
FOR AN ORDER TO SH:OW CAUSE\VHY
21 DEFENDANT JOSEPH ZERNIK
SHOULD NOT BE HELD IN
22 CONTEMPT AND SANCTIONED;
AMENDED MEMORANDUM OF
2J POINTS AND AUTHOn rnES;
DECLARATIONS OF JOIITN W. AMBERG
24 AND TODD A. BOOCK
lSupplem,~ntall:hiefand Pr, 'I'ml.'J () ~,Jcr
25 submitted concurrentlYl
26 Date: i\Ltrch 25, 20()8 (or ~;u::h ,:)th("1 date :l~:
mw be set by the C "Ir"
27 Time: 8:4:) a.m.' '
,_----JI Place: \v',:-:J
28 --------_._---- ----------
SMOIDOCS&574337 1 COUNTRY\VIDI:'S MOTl< 1''; T(, LMU {(T J'RUI ECTIVE
ORDER AND FOR SA"J(TI(I~h A"\i[) I'OR '\ [)[Cl,,\ {ATION
'\NO FOR AN OSC 'NHY I) :r1~,Il"" r ~;HOlll.ll NOT BE
H ,[) I;~ l p;·nTMPT
TO ALL PARTIES AND THEIR ATTOHNEYS OF RECORD:

2 PLE.\SE TAKE NOTICE that on March 25, 2008, or on such (other carh~r date.
..,
-' ordered by the Court, at 8:45 a.m. in Department.l 0:: the Superior COlli-I (Jl. Lo:> \ngelcs
4 County, \X!est District, located at 1725 Main Street, S:tnta Monica, CaJilomia 9().:tH. non-
5 party Countrywide Home Loans, Inc. ("Count~'\vide ') will and herebv docs mO\e this Court
6 (l) to enforce the July 23, 2007 prorecti,-e order ("Court Order") a~a.tn "1: [)cfen,hnt Jo~l:ph
7 /.ernik ("Zernik") which directed Zernik to commun cate solely with ( ()llfIlr,Wldc's
8 designated counsel and no other Countrywide officer;; or employees rq~.lrdin~: th:? pre~;("1t
9 action; (2) for monetary sanctions against Zernik, purmant to the C lun ;: intlern r authfrity
10 and California Cude of Ciyil Procedure §§ 2023.010 and 2023.()}(), on thl groun,l, thaI /,ernik
I 1 has knowingly and intentionally \'iolated the tenus of the Court (hdet hI pcnislilg in
<D
<Xl
M
12 harassing and making bascles~. accusations to C:ollnt~ \vide's officcr~ an,.' cmplo~ c('~; 0) for a
<"!
o~
00
M'<t 13 declaration that Countrywide has no obligation to respond further tl l Innih"s h.lras:-ing
ll.~g
::: :5.~
Q) en E 14 COmmlll1lCatiO!1S, the complaint haVing been rcsoh'Cd by summarv jlldgr--Il.:nt :lOd Countrywide
~ ~g
t)~lii
C:"Ut) 15 not being and m'ycr having been a party; and (4) for an order to shO\\ C;I :lSI' \Vh~ /crnik
com
'" co
~ u
en en· e
00
~~
16 should not be held in contempt and sanctioned accordingly.
c'"
'"
<n
17 This I\Iotion is based on thc:'-Jooce of I\lotion and 1\1000n, the :Huchcd ,\ 1cmor:lI1dum
18 of )Joints and Authorities, lhe Declarations ofJohn \X' .• \mberg and TIX,J .\. Be ,( ,ek and
19 exhibits filed herewith, the files and records herein, and such evidence a~ ·~n;\\ be prcsCl1kd at
20 the hearing.
21 Dated: .lanua~' 17,2008 BRYAN :~,-\ VE LLP

John W .. \mberg, Esq.
22 Jenna Mclda\vsky, Esq.
23
24 By: C'y~~.~~:{'~~'H ------
~Ia i\loldawsky (r
25 .\ttorncvs for 1'.ion-Part·\ -'
COUNTH.."{\VJDE I10i\II·: !.().\N:'; INC.
26
27
28 SMOIDOCS6~7~33.7 2
~·OUNTRYWIDE·S 1\10Yl,:-,r·:Y;:)f:~iH;f(T'I)R6:i:l:crIVE
ORDER A}.D FOR ~r\NCTIIl'" .\I·m FOH I, DECI.AkATION
i.NDFOR."..."J O\CWH'lI:IFE'... IJA'JI"·;HOLLD·~()TBE
HI·l L> I' co:-- rEMPT
TABLE OF CON'I ENTS
2 1. INTRODUCTION 3
3 It FACTUAL BACKCiR()UND 5
4 A. Countrywide Was Forced to Seek a Proh:ctive Order Due to :;~en1ik's
Unrelenting Harassment of Countrywide Officers and Emr],)yees 5
5
B. The Court Granted Countrywide's Moticn for a Protective 0( lrder on .ILly 23.
6 2007, Effective Immediately 7
7 C. Zemik Repeatedly Violated the Court Order and Continues lu lIarass
Countrywide 8
8
III. ZERNIK SHOULD BE SAf\'CTIONED FOR HIS REPEATED WILLHJL
9 VIOLATIONS OF THE COURT ORDER 13
10 IV. ZERNIK'S WILLFUL VIOLATIONS OF THE COURT ORDER \\''ARRA~. rAN
ORDER TO SHOW CAUSE WHY ZERNIK SHOULD NOT BE I(EL)) IN
II CONTEMPT 14
to
<0
<')
12 A. The Court Order Is Enforceable 15
'"';J
o~
00
<')..,. 13 B. Zernik Has Actual Knowledge of the COllrt Order. 15
0.4>0
.....J.~(J)
...J~m
o§ 14
Q) U)
> >. 0
C. The Court Orde r Was Always in Full 1"01 ce and Etree t 16
ro(V~
O~n;
<:-00
... <tl
15 D. Zemik Was and (s Capable of Complying with the Court Or,j~r 16
?:,oni
~ u
co CD 'c
00
~::!:
16 F Zernik Willfully V'iolated the Court Order 16
<tl
C
<tl
V)
17 V. C()NCLUSJON 17
18
19
20
21
22
23
24
25
26
27
28
SMOlDOCS6574337 COUNTRYWJDLS \101 H)~-c:'i·)-ENr(;ilCE)'R:U ECTIVE
OFDER AND FOR ~A~CTIO\') -,,,NO FOR A DECL·\RATION
A.ND FOR AN OSC '.\'1-]\ I )"HNDANI ;;HOULD NOT BE
HI·j 0 IN COIHEMPT
2 CASES
3 City of Vernon Y. Superior Court, 38 Ca1.2d 509 (19 :;2) 17
4 Dooo\'an Y. Superior Coun,
39 (=aI.2J 8~8 (1952) 1~
5
Ketscher Y. Superior COUll,
6 <) Cal. .\pp. 3d 60 1 (1970) 15
7 Maggi Y. Superior Court,

119 Cal..\ppAth 1218 (2004) . . 1.1
8
1\.1)'ers Y. Superior Court,
9 46 (:al. ,-\pp. 206 (1920) . . 1(i
10 Nierenberg y. Superior COurl;,
S9 CaL\pp.3d 611 (1976) .. . 14
J I
Niklas v. Niklas,
lO
co
C")
12 211 CaL\pp.3d 28 (1989).......................................................................... . 13
":'
o~
00
C")v 13 ()i!Workers Int'] Union v. Supcri.y:: Court,
n.euO
-1.~ 0> 103 CaL\pp.2J S12 (1 <.J51) . ........... ...... 17
..J=>'"
Q) (J) "E 14
~ ~g
U~!ii R.S. Creatiyc, Inc. y . Cre(lun Cott·.m, Ltd.,
cu() 15
roro
(:>0";
75 Cal. ,\pp. 4th 486 (1 ')99) _ 13
~ t.>
aJ lD 'c
00
~~
16 IZaskin v. Superior Court,
c'" 138 CaL\pp. 6()8,
'"
(/)
17 .13 1>.20 35 (193-1-) 14
18 Reliable Enterprises Inc. Y. Superi!Jr Court,
158 CaL\pp.3d 604,
19 2U4 Cal.Rptr. 786 (19984) 14
20 Rosen v. Su~crior Court,
244 Cal. i pp.
2J 586 (196<i) 13
21
Van Hoosear v. Railroad Comm'n., 189 Cal. 228 (]9:~2) 1(;
22
Wclgoss v. End,
23 252 CaL\pp.2d 982 (1967) 13
24 STATUTES
25 Cal. Ci'·. Proc. Code § 1218(a) 15
26 Cal. Ciy. Proc. Code §§ I209 (a) (4) and (5) 14
27 Code Ci\". Proc. § 2023.0::.0(2} 13

28 SMOlDOCSf>:,74337 11
COUNTRYWIDE'S ~(:iioN~j:(~) ENt':: RCE PRj) IECllVE

C RDER AND FOR SANCllot,S M,j) FUR A DECL '\RATION
AND FOR AN OSC WIr, I)HFhD,.;t· r StlUUI.J NOT BE
H LD 1'< ('I iN TEMPT
MEMOIW\IDUM OF POINTS AND AUTHORIIH~S

2 I. INTRODUCTION
3 :'-Jon-party Countrywide Home Loans, Inc. ("Countrywide") mO\T~ j the (:uurt: (1) to
4 enforce the July 23, 2007 protectiw order ("Court Q-'der") against Dcfl'nd,'l1t} ,:;cph I>rnik
5 ("Zernik") which directed Zernik to communicate solely with Country ,vide'~ Jcsiglutcd
6 counsel and not \vith Count1)r\vidt officers or empIo) ees regarding the prc~l.'nt ;lC:ion; (:~) for
7 monetary sanctions against Zernik, pursuant to the court's inherent aU! hnriry and California
8 Code of Ciyil Procedure §§ 2\)23.010 and 2023.030, cn the grounds thit /crnik fus kno\\'ingly
9 and intentjonally \'io!ated the terms of the Court Ord~r; (3) for a declaLuioll thai {~ountrywide
10 has no obligation to further rt~srol1d to Zernik's hara:ising communicatit lflS, and U) for :1l1
1I order (() show causc \vl1\" ~~er1ik sh( ,uld not be held in contempt and s:lnctiol1ed, )asco, >n his
<0
co
~
12 bad faith Jenial of rhe c:xisrence of lhc Court Order and his continucd \·ill],1110nS thcrcol.
'i'
o~
00
M'<r t3 This is a purchase ~nd sale l';l~e in \vhich plaintiff l\.ivie Samaan ('"Plaintit") ;Ittunptcd
11.28
...J . -
..J :J.~
<l> (J) EO 14 to purchase Zernik's property.. \s part of that transaction, Samaan arrltcd ror (loan ",jrh
~ >.~
0~~
<:-00
<0 <0 15 Countrywide, which \vas nCHr originated. Plaintiff sued Zernik fur spccinc ;:)('rfl rm:lI1C( of
<,:,0";
~ 0
(]) (]) .r::
00
~:2
16 the sale of Zernik's properry. Tholl,2;h Countrywide never gayc PlaintjH ,I loan, I crnik sl,:rvcd
<0
C
<tl
(J)
17 Countrywide with four document :-ubpoenas, \\'ith which iT fully compltd. Whc·1 t1w
18 documents Countrywide procuced did not support Z:rnik's skewed \'jcw or: rhe CISl, /( rnik
19 repeatedly berated and bothered CuunU)'\vidc1s officers and employees (includinr., the
20 Custodian of Records, memb('rs or the customer scp;ice department, and a form" r
21 underwriter) for information and documents to support his conspiracy dleorics ,UJd chalgcs of
22 fraud (against Plaintiff and her counsel, Countrywide, the Court, and SC\ eral others).
23 On July 23,2007, CmntrY\.\ii,Je mo\'ed for a limited and narrowl~. ··tailored protectlYC
24 order due to Zernik's unrelcnljng harassment and abuse of Country'\\lJ~'\ offiu.:r; and
25
I At the hearing on January 11, 2008, ,he Court directed C Juntrnvide to (1) r,: -lilc it~ [\ [. ltion ill
26 accordance with local rules and (2) to SJbmit a Supplemental Brief addressillL the COLIn \; concerns as
Sl::r forth i.n its Tentatin: Ruling. Counrnwide thus concUlrenrly submJts a S\.ppk~n{nral Brief, :ll1d, at
27 the time of filing this motion, se·eks ex /)(:rte relief for an earlier hearing datt:o
...
28 SMOIDOCSb57-B3.7 j
COUNTRYWIDE"S \10lii)Nl~'Ii~Nri'ii(c(PRCflfC'lWF
OIlDER A \lD FOR SANCTlu',', At, D FOR 1\ DECLAR.-\TlON
i\NO FOR AN OSC \.\ In !lU ~'m""'~.1 ~;1l0UI.D '!OT [3E
I ,UD IN Cl )t~TEMPT
1 employees. Countrywide mO\'ed for an order directing Zernik to communicate \I,lth
2 Countrywide solely through its designated counsel and no other officel~ or cmpl>yees, who
3 were all represented by coumel. The Court agreed that "Countrywide has a righr to be
4 protected from unwarranted :mnoyance, embarrassm,~nt or oppression," and gra·lted the
5 order. (See Samaan v. Zernik: fl.-linute Order datcdJdy 23, 2007, attached as Exillbit C 10
6 .\mberg Ded). The Court mled thar Zernik was prohibited from "dinxtly phor;mg, en~ailing,
.f:;
7 or otherwise contacting jCountrywide's] represented, )fficers or employees" (ItL) i:ernlk

8 represented himself at the July 23 hCc,ring, and he ~ubmitted on the COJrr'~: tent;l un.' Ofl:cr
9 granting Countrywide's motion.. \t the hearing,Jth..ig~ Connor directly :l,klrcsstt Zemi~ and
10 instructed him that he \vas "rcyuircd ~imply to communicate only with (orpllrarc counstl."
1] (See Samaan v. Zernik: Traosl:ript of hearing on .July 23, 2007, attached 1'; J :xhibu D to
]2 ,\mberg Oed).:? 7,ernik was also scn'ed \vith a copy I)f the minute md,: r gr.HHin.g
13 Countrywide's !Dotion. (~ce Notice of Ruling, attached as Exhibit ),1 to .\mhcrg Decl.)
14 Despite Countrywidc\ repeated demand:.; that Zernik abide b\' t h: ttrms () t the ( ourt
15 Onler, Zernik dcnic~ the existence (l t the Court Order and continues to willfully lnd
'6 flagrantly \'ioJate the Court (}~der b;' Jirecdy contacting Countrywide officers seckin..; to
]7 obtain discovery regarding this action.
]8 Rccently Zernik has stepped up his effort~ to obtain additional ilformatio n. On
19 January 15,2008, Zernik emailedseniurCountrywideofficcr~.as

\vell a:; o"C"r 50 pepple In the
20 local Jewish community, accw;ing the Countrywide officers of personal!:. an.J dchl:.cratcl~
2] colluding in fraud against him (Se~: I-:xhibit T to ,\mherg Ded) Zerni k alsl) cre: led and sent
22 a mock im'itation to a Bet Tzedek charity dinner whcle a senior Country\\'idc oftlcer sen es as
23 Pre~ident of the Board of Director:-, making slanderolls statements abo -It Countr:'wlde
24 officers, Countr)'\vide in-hous,:.' counsel, the appoinrel receiwr in this c I SC, and C" :~n Jun ing
25
26 2 The Court also declared in its tentatin: ruling that "any a~,sertion that C()unt~~-widt' is somehO\\
inyokeJ in wrongdoing is not s\..pported by anything other than hearsay and:onjlo:[un>,"ISee
27 Samaan Y. Zemik: Tentatiye RuI:ng dakd July 23, 2007, at' ached as Exhibit B to .\mbec; Ded.)
28 SMOIIXXS657433.7 4
COIJNTRY\\IDFS MOT 1~I;rl()TNr/} ~:T'PR()ciECTIVE
ORDER AND FOR S .... NCf1(N~. ,\~;D FOR.' DECI.A!<ATlON
\ND FOR AN OSC WH\ DEFE'lD.\.NT ',HI:'Ul!l '~OT BE
HI ) I~~ em TEMPT
I that Judge Terry Friedman had acted inappropnately In this case. (ide) Zernik's \. arassing and
2 opprcssiyc tactics must stop. Zernik has shown no respect for Countr':\vidc:, or J'or the I.=ourt
3 or its rulings. Thus, Coumry'.vide respectfully reques1 s that the Court gram its ruNion.
4 II. FACTUAL BACKGROUND

5 A. Countrywide \Vas F9rced to Seek a Protective OrdeJ~_Dut_J.!LZ.ernik~_~
6 UnrelentingHarassment of Counto wid(~ Officers att\LEm.I!l~',l~~s
7 1. Zemik Harassed Count~lde Employees
8 Since i\larch 2n07, Zernik has attempted to badger and bully C( '.Jntr~:\\'id( f)fficcrs and
9 emplovces into proyiding Jocumcn:s and information which he hopes \'v111 st:rn: as
10 "evidence" of CountI)T\\.idc's fraudulent practices per;onally directed al him. Th, >ugh not a
II party to the underlying action between the Plaintjff and Zernik, <:ollntr~\vid,: W:l' senul with,
12 and properly responded to, four ducument subpoena:; from Zernik, bC;!;lnning in ~'eptc11lber
13 20()6. Countrywide has produced \1]1 of its document:; responsin' to /'nrllk's four SUbpf .enas.
]4 Countrywide produced hundreds of pages to Zernik ,ncl has withheld III I rcq)on:;i \T
15 documents, yet Zernik refused to acc~pt Country\v:dl 's responses and hilS since (I"Yutee!
]6 significant time anu cner?:) to harassing Countrywide officers and l'mplt':-Te~; in the· hopl. s of
17 uncovering this iJlusiw' "c\'idcnce."
18 Zcrnik's campaign I)f haras:,ment (which now has gone on well ',-last the dJ~c()\'eIT
19 deadline and after summar: judgme:n has been grant( d against him) be(~an \,,'hen he SCi'll
20 numerous emails and left nrious \cke-mail message~ for hlariela (;;ucia, a parakgal in
21 COUI1uywidc's legal department and ~. custodian of re.:ords, demanding that she lOmpl) WIth
22 his document demands. (Declaration of Todd ;\. B,)o:::k "Boock Decl." III :2.) COllntrywiJc's
23 in-house attorney, Todd. \. Boock C'Boock"), emai1c<\Zernikandalki~;cJll.rnth:l1....errik
24 should direct all communication te him. (Id., Ex. LJ ,) Zernik replied ml emul, t1',re:ltcnll1g
25 i\Is. Garcia with "consel.lumces," including her paralqallicensc. (Id. at '1 .:;, Ex. \ .)
26 Zcrnik sent a letter to Boock on t>.larch 29, 2007, copying not ollly ,\ Luiel" C;UC1'l, but
27 also Angelo Mozilo, CountrY\'vidc's Chairman of Countrywide's parent :ornpany. lind ~al1dor
28 SMOIOOCS6S7·m.7 5
COUNTR YWIDf'S MOlI()~.;yl~:Ii':Nf{'jiiCi-f'R()iEC'TIVE
OR DER A'JD F()R SA~CTI( )','; ,,\r,[1 FOR '\ DECI __ \R" nON
AND fOR AN usc wm J)lIU,IJAkl :ill( HILI) 'OT UL
HELD 11\1 COI;TEMPT
Samuels, Countrywide's Cflief Legal Officer. OJi at' 5, Ex. X.) Zernik also connctcd two
2 individuals in the Countrywide customer service department, Nathalie ')uesade ;md i\lvl.:rta
3 Bayliss, and attempted to interrogate them and encourage them to make 'Various dmisSl~)[)S
4 about Countrywide's business praetlces. ad. at ~ (l.) Around this tjme. Zernik was leav1l1g
5 claily voicemails for t\ls. Garcia, sometimes several eao:h day. (ldJ Zenik also Ie t'r Boock
6 lengthy voicemails intimaung fraud. ~d.)
7 Zcrnik continued to refuse tn comply \vith (:oLlntrywiJe's n:quest 10 cuntld BO':JCk
8 directly. Prior to late March or earl~' April, Zemik reJCatedly called Diane h:az!('I', a former
9 Countr~r\Vide underwriter, about the ~,ubiect matter of this ~tigation. (1,1 at 411 7.) /.t'tnik
10 informed Ms. Frazier that he had done a background check on her, and told her ;hal he knew
II certain things about her that made her uncomfortable. (ill) Zernik calkd \1::;. 1,'1'a7.1cr\ home
\D
co
(')
12 so frequently that her husband had 1:<.' demand that Zc:rnik never contan them ap;nl1 (L1)
<;'
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00
M'<t 13 2. Zernik Harassed Countrpyid~ Officers
0..4>0
...J ;~ (J)
...JJ~
Q) U) E 14 ()n June 23,200;, Zernik cmailcd ,\ngcIo ~ [o;:ilo, the Chairmat, of (:outllrVwll1c's
~ ~g
U:;:lii
c"U0 15 parent company, demanding that he personally proyice Zernik \v1th a dn:L!r:looll (T.~!,arding
'"2:'0ni
~
'" t>
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00
~:2
16 the production of documents. (Bocck Ded. at '1 HI, I':x..\.\.) On June :~\ 2( 1/ )~' Zl:rnik
ro
C
ro
(J)
17 emailed Sandor Samuels, Countryv/id/s Chief Legal Officer, dnnandin< r11l ~,atlll' relid. (JdJ
18 OnJune 26,2007, Zernik sent an email to S.m.uels and copIed !·::lbbl.losq:h
19 Shustennan, questiomng Samuels' C!)mmitment to tig lting real estate fr;:ud. (hL at' 11, Ex.
20 AB.) On or around June 27, 2007, Zernik left a letter for Sandor SamuJs al Bet Tzcdek a
2] charitable organization where Samuel~ serves as President of the Hoard of Direct' >1'5, (lL at ,-r
22 12.) Zernik again wrote to l\ngelo '\bzilo and Sando:: Samuels on JUI1l ~~<j, :~I Hf? :hJJ l-J c
23 copied Rabbi Jonathan Bernhard, Rabbi Joseph Shust~rman, The Hon(,rabk R. '\(/t1liam
24 Schoettler, and "others in the legal and Jewish cotrum:nity In Los i\ngck:;." (hL, j ',x. ,V.)
25 Over the July 4th holiday, Zcr:-uk sent two em;lils containing lIbelous statements in a
26 purported press release to undisclosed recipient~" wid: a copy to Sandor Samueb. (ld.< at '113,
27 Ex.. \D.) The subjeCT line of the emails states: "PLE~ \.SE ASK S_\ ND~J R S. \,\11.J I~LS 'J 0
28 SMOlDCXS6574337 6
COUNTRYW)D!"S Mm !C)iTll:;j''''F(;[.ii::!·PR6i ECTIVE
ORDER AJ-.ID FOR ';I\.\CTI< l'iS A~m FOR .'. DECL,", {ATJON
>\ND FOR AN OSC Wil" I)lrl~m,,,,,,,,,[ ~jHOl)l.D \lOT BE
H Et J) II~ co; . lTMPT
STOP REAL ESTXrE FRAUD." ([d.) The emails :onttaue Wilh an 1rpartm pre"s release,
2 star.ing in part: "FOR IMMEDIATE RELEASE" and "Countrywide's Mozilo and
3 Samuels Complicit in Real Estate Fraud." Od.) The press release ~alsely assert:- thaI ;'the
4 fraud \vas committed by cnlh.:sion of Nivie Samaan and Maria ~1cLaurJn, (ountrywlcle Branch
5 Manager ... McLaurin and Samaan a1so colluded in \lortgage Fraud attunpt and ir Wire
6 Fraud." (Id.) They add that "~1cLaurin also probabb personally appron:d about $1,1.5 billion
7 per year (!) in grossly frauclulmt g()\crnment-backed oans" (ldJ The em,ub sp::utically
8 mention Samuels' involvement nol only with Bcr 'l'zedek, but also his positlClfl wih the
9 Ziegler School for Rabbimcal StudlCs. (Id.) Zemk s'~nt the alleged pre~;s re!case 10 at least
10 one member of Bet Tzedek's board (,f directors. (hU

11 ]\1oziJo and Samuels han' had no involvement in the case. ;lnd have no pl [sonal
<0
<0
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12 kno\'vkdge or information. C()n~e~lulntly, Zernik's enails 10 them and about the"n scnTd no
~
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00
("')" 13 legitimate purpose and, as the Court recognized, \\',::rl purdy harassing.
Q.(l)~
-J~
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The Court Granted Countrywide's Motion for a Prot~~~cti!~~ OHl~L OJ}_JJ!1J'.
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roro 15 23, 2007, Effe(~tive Immediatel;l
coni
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~~
16 On July 23, 2U07, the Honora blc J acgudinc C. )nnor heard Cl>Ull trywide '.; In' ,I ior for a
c'"
'"
II)
17 protecti\"l~ order. (Declaration ufJuhn \V.. \mbcrg ".\mberg DccL" 'I~:.) \[O!ll, , with its
]8 motion, Counu}\vide submitted a proposed order directing Zernik to ( ,)mTTlllllicare "solely
19 with Countrywide's designated counsel and no other :~ou!ltrrwidc oHiu_'rs (Of CI11I-.[( 'yecs
20 regan.hng the present action." (11, I:x..\.) John 'V'I. '\mbcrg, cDunscl f, If (:< lllnIIT\\ ide. was
21 present at the hearing, as \vas Zernik, \vho reprcsentd himself. (J..d-, at 'II 1.) [kill '(' the
22 hearing, the parties learned the Court had issued a ref tative ruling gran ting Count :~-wi(k·s
23 motion. (Id., Ex. E.) Country\vidc's counsel and /.ernik received copi,~s of the t<::l1tatin
24 ruling and when the case was called. both parties stipulated to the Coun's ruling. (hL)
25 The follO\ving is a true and correct eXClTpt rrom the transcript (,I' the heat! ng on
26 Countrywide's motion for a protectIve order:
27 THE COURT: OK\ Y. LET ME DEAL WITH ;\IR. ;-\I\IBLRG'S 'IRST

28 SMOI DOCS657433.7 7
._---~------------------ ----
COlll\TRYWIDE·S MO -JON JO I-NFO]<CT PROTECTIVE
OlmER AND FOR SANCTl lNS ;\t·m FUf: '\ !)FCL.'RATION
AND FOR AN OSC Wlr! DHENDA'oJ I SHOULL NOT BE
HI'I LJ IN e')'JTEMPT
MOTTON FOR.\ PROTECTIVE ORD ;.R. THE

TENT-\ TIVE IS TO GlANT.
2
t\IR. .\i\IBERG: WE SL1Bi\IJT ON THE TENTATIVE.
3
THE COURT: ~.nt /.ERNIK, YOU \X/ANT TO BE TRf·: . \TliD 'fHE S.\l\IE
4
.\S .\:\Y L\\VYER. YOU ARE REQUIHLD TO ~;IJ\[PIY
5 COI\1l\1UNIC\TE ONLY \\'ITH CORPOR.\TE COLrN~;EL.
TI-L\T IS IT.
6
t\lR. ZERNIK: YOUR HONOR,] WOULD LlKE TO ~,L~B:,\[JT ()~ THE
7
TENT\TIYE.
8
THE COURT: OKAY.
9
~1R. ZERNIK: TH.\NKYOU.
10
11 'lHE COURI': IT IS (;IL\NTf':O.
10
ex)
("')
12
o~
~ (Sec TranSCript of hearing on Counrnwioc's motion j:or a protcetiye m,Jcr dated Iu':- :2:)
0 0
("')'<t 13
Q.2g
....J . - 2()\)7, lines 1:12, attached ;IS Exhibit D to\mbcrg Dle!.)
-l :J.~
Q) (IJ E 14
~ :>.~
u~fO The Coun granted Country\"j,Je's mutjo[1 for :1 proteeu, e order :lnd direCfld /.crnik to
c:"u 15
'" '"
~oni
~ u
communicatc solely with Countrywide's designated counsd regarding t his action and no other
CD CD 'c
00
~:2
16
C'"co Countywioe officer or employee. (hL at '14.) 'I he rrunutc oroer from 1he hearing on th: t day
(f)
17
states that Countrywide's motion was granted in its cntirety and that th~ pru!'osl'lJ order
18
concurrently submitted "is signed :lnd cffecti"c as of :his date." (hL F:i, C.)'
19
C. Zemik Repeated]~ Violated tht~ Court Order and CO~HimLes In_.Har.ti:i
20
Countrywide
21
Since Countrywide's first app( arance in this matter, Countr:i\\1dc has bccn, and
22
continues to be, reprcsented by attorneys at Bryan Ca\'c LLP ("Bryan C:l\C"). 'I'hr, statu, of
23
Bryan Can' as Countrywide's counsel of record ha~, b:en known 1"0 I,ernik tor m Jnl:hs :ll10
24
25 3 Country"vide submitted a proposed order granting tht rt quested protective order :1t bo,b The c" parte
hearing and at the hearing on th,:,> motion. 'lbough the minute order issued hI Judge Connor statTS the
26 proposed order was "signed and effectlve as of this date," the signed order \'1:lS n,)t returned til
Countrywide and has not been located in the court file.
27
28 SMOIDOCS657433 7 8
COUNTR YWIOL ~ Moi''-I~-~I:()ENH''FcE PR(j' [ClIVE
OI:DER AND FOR ';ANCTII)\lS.-\ \)f) FOR .\ [)ECI "RATION
AND FOR AN USC WHY IlFFf\lDAN' ~HOlII.J NOT BE
fill;) It--. CO .JTEMPT
has been repeatedly confIrmed by Countrywide's in-llOuse and outside coun~el. Beginning on
2 October 2,2007, Zernik repeatedly c:)ntacted attorneys at Bryan Cave, ,lj \vdl as
3 Country".vlJc's in-house counsel, TClod A. Boock, to obtain "infonn:uin n" in SUPr'ot1 of his
4 "claims" that Country'\vide and the L:)s ,\ngeles Superior Court judges ;;s::-.igned H. this case
5 had engaged in collusion. (. \mberg Ded. ~ 6.) When Zenuk did not rlxeivc: the te~.po[] ,es he
6 desired, he made the decision to blatantly violate the ==oun Order and resume haJ:a::;sing
7 Country\vide's offIcers.
8 On October 1(J, 2007, Zernik sent a letter \"la ,~m:ljl to Country\" tdt: officus \ngclo
9 f\loziJo and Sandor Samuels in direct violation (If the Court Order. (ld, at'l ~, 1·>< (n In this
10 lener, I.ernik bombarded Mozilo :lnd Samuels with lj.lCstions regardin f , COllntryW}c!c's
11 involvement in the case and the documents it producd, and demanded that (our try\vidc
<D
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12 provide him with responses to his lJu~stions within thee days. (hU Cluml.'1 for
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C")~ 13 (:ountJ"\"\vide responded b,' informltH' I.crnik that he ,vas jn violation of the COllrt ("rde and
a..~g
oJ .; ""
j"3 .~
Q) en E 14 must cease all communication with Countrywide's officers and emrloYl~'::'. (ilL at" 'J, F'{. H.)
~ ~g
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c:-oO 15 Counsel affinned that Countrywide was a represenrec party and that 7,t::rnik was I • direct all
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16 communication to Countrywide's designated counsel. (Id.)
'"
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17 On November 1,2007, l.ernik again emailcd ~.lozilo and Samlllk In three! \~olatlon of
18 the Court Order. (Id. at ']12, Fl{. K.: Zernik demanded that I\lozilo and Samuels respond to
19 his allegations regarding purported fraud and again accused Countt;.'\vidc of cons]"Hnng ,,·ith
20 the judges that have presided over Illis acuon. (WJ I:ernik also admitLd that he had
21 previously contacted Samuels "throllE~h his position al Bet l'zedek," lht charitabk
22 organi7.atjon where Samuels serves as President of ,-he Board. (rd..,) I~e 'Ilil.:. dcm,uJcd that
?"
--' l\loziJo and Samuels provide him with a "full explanation of your cDndlKI in this C1~e." (ld.)
24 Countrv\\ide's
,
counsel emailed Zernik on Nm ember L 2(107 an(~ (Inee agLo
<.
infurmed
25 him that he was in violation of the Court Order and t:1at he must desist ftorn viohting the
26 Court Order. ad. at~! 13, Ex. L.) In response, Zcrnik sent an email to ~~amucls allJ lvlozilo on
27 November 1,2007, sarcasucally entitL:d 'CVIOL\TION OF COURT (JRDER2 iXJ-L\T
28 SMOIDOCS657433.7 9
- - COUNTRYWID(~MOlIi5>;JW;]T"NH)R6-PROTEC'TIVE
m DER A 'JD FOR SANeTH J'~S AND FOR " DECLA {.II, nON
!\NO FOR AN OS(" WHi j)HI"m-\i~T ~;HillJL[) NOT BE
HFI.I1,I-.l ("(I',TEMPT
COURT ORDER?" In the email, hc' stated that "it i~; difficult to belierc it [the C. lurt Order]
2 ever existed," despite knO\\.-;ng full wdl that he had b,~en present at the.l uly ~3 hcanng \I'hen
3 the protective order was granted and had submitted D its issuance. (lL at ~ 14, 1:' x, M.~ On
4 November 2, 20D7, Countf)'\vide pcnonally ser:ed Zernik with a letter dcmanditl;!, that lC
5 refrain from violating the terms of the Court Order, ,nd stating that if Zernik continued to
6 violate the Court Order, CountrywiJc would seek all lVailablc rcmedie~;. lncludin,:~; sanaions.
7 (ld. at '115, Ex. N.) Country':\";de als·:) filed and served Zc:mik with a nuticl' of ruhng,
8 attaching the minute order which confirms that the Court had gClOted (:ountry\\'idc'~ m )t.ion
9 and that the Court Order is presently in place. (hU

10 On November 3, 200i, Zernik a,~ain emaileell\10ziloandSamuel~;.1I1ckar-.i, ']atl(J11 of
II the Coun Order. (ld, at '116, Fx. ().) L.ernik's email again demanded that ~\f()711o and
\D
et>
n
]2 Samuels rc~p()nd to his allcga :.ions (If fraud, and outli1ed what he be]ie', cd to be <:\'ldcncc of
"!
o~
00
<')v 13 conspiracy against him between "arjou~ judges, the plaintiff in thIS action, and (:olntl}'\\ ide
Q. (l) ~
-.J .""=::
~ U).~ 14 employees. (Id.) Zeroik <1:,sertcd "for me, of C(>ur~.c, this world of fraudulcnl al1ll c,)rrUpl
~ >.~
o~~
c-c() 15 judges is new. Bur I somehow suspect that it is not tbe ca~;e with you!" ~l.dJ (h ~o\'(rnber
'" '" 'cU
~O<O
~
Q) Q)
00 16 14,2007, Zernik again \'iolatcd the Court Order by enailing ~lozi]o and ;-;amlleb et~L al '117,
~~
c'"
ltl
(/)
17 Ex. P.) Zernik once again accused Countrywide of C(lnspiring with ~up1.'n()r (:lIl,tl Judges and
18 claimed that Countrywide":'; conduct "epitomized cormpuon of L\ SUf"l'rior Courts" (lsi)
19 On December 2, 2007, 7.ermk emaileJ l\lozilo and ~amu('ls ag~un directly. (hi at "1 H,
20 I ':x. (~.) I n the email, Zernik demanded that MClzi]o and Samucb anS\Vd numewus llU<:~ tions
21 abOlll Counlr}'\vidc's involvement in:his matter, and )nce agam accused Cuuntr Jwldc 0"
22 being (omplicit in fraud and dect-ll. (ld.) Zernik also dem:mded an inrneJiare ruraetioll of
23 all documents COt.Jf1tr}'\vidc Ius filed:n this case. Od.) Zernik demand~:d that ~Jl)zilo and
24 Samuels proyide him with res;::>onses ':0 his questions \\i.thin t.wo days. (ld.)
25 On January 9, 2008, Zernik U'~"in violated the express terms of thl' Cuurt Order hI'
26 ccmtactjng t\lOL~ilo and Samuels directly. (lei. at "1 (>, Ex. R.) Zernik emailed the Countr\~\vide
27 officers, attaching what. he claimed to be "key" Countty\vide document~ that he held to h<:
28 SMOI DOC S657433.7 10

- - COUNTRy\VIDf:-:-:" MUJ ji~;;;J1i)"''JI'(,ii.~j;I·R(lj ECTIVE
()I. OFR AND FOR SANCTIOI~S -\ND FOR ,\ PEel,\RATION
AND FOR A'J OSC ~ H~ XFU.,D.·\N·j ,HOULD 1\:OT BE
HILI) 1\ COlHEMPT
"fraudulent." (1d.) Zernik referenced a January 8, 2008 New Yod; Tine~ ardck about
2 Country'\viJe and Countrywide's "subsequent drop in share price" and ~;tated thai ~[ozil) and
3 Samuels would want to "review [theirj stand" on the Issues surroundin~ Countn" ..,dc's
4 motion prior to the (previously scheculed) January 11, ZOOS hearing. Cd..:.:
5 One of Zernik's attachment~ 10 his January 9 I~mail was an adoi:ionallettl r to ~rozilo
6 and Samuels. (1d. at '120, l:':x S.) Tn the letter Zernili claimed that "tv ~nts this Wt'ck led me
7 to believe that you \v(mld possibly change your ;tano on the matter bclo\\, and finally ~l:)p the
8 real estate fraud and litigation fraud conducted against me through Country\vidc fraudulent
9 documents." (10.) Zernik's email also attacked the judges of the Los ,\ngdcs ~uperior (:ourt,
10 labeling Judge Segal as "dishonest" Jnd claiming that the alleged discrepancies in court
] 1 documents in this case were "classic Connor," referellcingJuJge JaclJudine Conn()l', wh\)
]:2 entered the protectin: oroer against Zcrnik. (Id,) Dr. Janllary 12, :20()~. /ernik (i!:~/i.... enuiled
13 Samuels, referring to Judge ·l·,.~rl) B. I'ricdman <lS Samuels' "friend," and alleged I har
14 Countrywide had supplied Zcrnik with "fraudulent documents." (Hool k Dec!. at '11 15, Lx.
IS /\1':.) I.ernik claimed that the documents in the IO<ln file Countn wide produced \'.a' "the
16 produce of a fax/wire scheme." (hL~
17 ,\gain, on January 15, 2U08, Zernik emailed ~bzilo and Samuel:; directly, md wpied
18 over 50 people in the local Jcwish community, includ ng SCYCLII Rabbi~ and temple
19 employees. (1Lat'121,Ex.T) Thcemailwascntltkd .. i\lOZILO.\NDS.\.\JlI~J.S.\RE
20 COLLUDINC I'\l REAL l-':STXIE F~\UD, 0.10R' 'GAGE FIC\LD ,\:"D L\X/WIRE
21 FR1\UD PERSON,\LLY, KNO\VJNGLY .\ND J)LLIBER,\TI~LY!"(ldJ The email states
22 that Mozilo and Samuels "are colludi:1g in the theft 0 ~ my home and Up.llty, thro,lgh the filing
23 of frauduJent documents in court." (Id.) Zernik also created and sent a mock in\: l1:Hion to a
24 Ikt Tzedek charity dinner where a senior Countryw:ice officer serves a:; President ot' the
25 Board of Directors, making slanderous statements about Countrywide officers, (:, )untry,\-idc
26 in-house counsel, the appointed receiver in this case, and even hinting that.l udgt' [\:rn
27 hiedman had acted inappropriately I. this case. (leD
28 SMO] DOCS657433 7 11
COU1\TRYWlDFS Mofi()',~ 'II) [Nr(}i~Ti:PR61~CTIVE
OIWER AND FOR SANCTJCN~ .'1kLl FOlt .\ ! tEet "RATION
AND FOR AN OSC WH r DEFEMlAN r SI!OUUl NOT BE
II . D IN CC'iTEMPT
Despite the Court Order prohibiting him frum contacting COUlltr: \\-ide officers, and
2 despite Country'\vide's repeated demands that Zernik ccase and desist horn colltH:ting
3 Countrywide officers, Zernik has per:;istcd in barraging the company's ufficers \\i:h
4 unsupported accusations and ricuculous demands. Zernik should not I,e allowed 10 persIst
5 unabated and without repcrcL:ssions for his \villful :lclions,
6 D. Zernik's False Re-12resentatiom. To ~rhe Court On Ja!)uar~.l1._~~mt8

7 .\lthough this motion \vas scheduled to be heard in Departmcn I cm.lanllar: 11, 200R,
8 the Court continued the hearing on tlus j'vlotion to M nch :25, 1()()8 am: I'eyul'sted further
9 briefing. 'l'hough the motion was nor heard on January 11, Zernik <-lid addn.'~:s tbe ( :()urt at
10 that time amI made seyt~ral false representations to th: Court regarding rhe Proteuj\,c ()rder
II and the circumstances surroundll1g it~; issuance. (Amberg Dec!. at ~l ~2.)

<0
co
(")
12 First, Zcrnik claimed that the tlnly person he contacted at Countrywide other tlun
":'
o~
00
<"l~ 13 Samuels and i\lozilo \vas Coumrywi.Je's Custodian of Recurds, (JJJ '\:' address("\ 111 th:
a. CD 0
-l.~(})
.....J ::J.~
Q) E U) 14 Declaration of Todd Boock artached h<:rcto, Zcrnik ill fact contacted Diane j;ra:ti("r. a fermer
~ ~g
°3 CO
c-oO
III III 15 (:ountrpvide underwriter, .\n;~clo S1<,zilo, the Chief Executive ( )fficcr (If (:( luntr: \\llk' s
c;-0«i
~ 0
alal<::
00
~~
],,6 parent company, and Nathali<- Quesade and L\lvcna hayliss, t\\"o indi\"idua['s In Cc 'Ulltry,vide's
III
cIII
(/)
17 customer service department. (Boock Decl. at ~I~I 5-7) Zcrnik abo fabcly claimed t hat he had
18 contacted Sandor Samuels only in fllS clpacity as the President of Bct TzeJck's Be lanl of
19 Directors. (.\mberg Decl. at 1122.) j\gain, this was not the case, as /.crnik clearly addrnscd
20 several of his communication~; to Sandor Samuels as Countrywide's Chief l.egal () Hicer l11d
21 regarding this case. (Boock Dec1., le'.x. X, ;\13, j\D.)
22 Finally, and most egregiously, !.crnik stated th:lt Country\vide Iu.J not prc\idcd hm
23 \vith nonce of the Protecti,.-e Order. /\.mberg Ded. at ~ 22.) Zernik \\ as person.1 ily prc:icnt at
24 the hearing on July 23, 2U07, whcnJudge Connor i~.sued the Protective Urder. (1~,1 at '\ :~.)
25 Zernik subtnitted on the Tentative Ruling granting Countr;wiJe's Pr(Jt.~ctl\·e On cr, and Judge
26 Connor explicitly stated to Zernik that he was to direct aU communicatlons regarding this
27 matter to Countr\"\viJe's counsel. (ld at ~ 5.) Furthc, on November :~. 2007, COl1nttT\\-iJe
28 SM01 DOCS657433.7 12
COUNTRYWIDE'S MO",l'ClN T()ENFCTcT PRCj:ECTIVE
OFDER AND FOR SANcn:·\lS A';rHOll.\ DECLARATION
AND FOR AN OSC WHY IlEFF'![)Al" - SHOULD NOT BE
HE 1 D I!'- ee, ~TEMPl
] provided Zernik "'lith notice of the P:~otecti'le Order lnd attached a co")y of the minute· )rder
2 explicitly granting the ProtectlYf' Order to the Notice of Ruling. t)d. at '~I ] 5.)
3 III. ZERNIK SHOULD BE SANCTIONED FOR HIS REPE.!~TF,~J)~~Jl~I. . FJ1L
4 VIOLATIONS OF THEJ)JURT ORDER

5 The courts hayc broad dlSctTtlonary power~ ""ith regard to rhe lmpositio[1 ()f san:tions,
6 and such decisions are subject to r","usa! only for arbitrary, capricious, (lr whimsical ;lcctOn.
7 ItS. Creative, Inc. v . Creative Cott~~[i) Ltd., 75 Cal. "'\pp. 4th 48C>. ·l<)() ,"1 <)t)lJ); Set; California
8 Code of Civil Procedure §~~ 2023.011) and 2023.0.30. 1mposing sancti()II~; tor yio!a,iuos () fa
9 court order are within the clea discretion of the coun..:vlagf,ri. Y. :S',merBlI.J;_CJurt, 11 ()
10 CaL\ppAth 1218, 1226 (2004) (trial court may impose monetary sanctJ(.])s f()r ,j,;lat.iot1 of
II protcui\-e order); Wclgoss b:~nd, 252 CaL\pp.2d <Jf!2, 992 (1 %7) (tri:ll court's I.n hId
to
co
C")
12 discretJOnary powers include pmver to impose s;lncticns to "secure conpliancc with I)rdcrs of
N
O~
0
C")~
0
13 the court"); Niklas v. Niklas, 21] CaL-\pp.3J 2H, 3H ( 989)(sancrlons upheld \\hen: p;lrt)
a..~g
:j"::; .~
Q) en E 14 repeatedly violatnl court orders instead of seeking direct review of COWl (,rclers).
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16 impose that sanction unless it finds d-at the one subject to the sanction :lcted with subst:mtlal
c'"
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17 justiticatio!1 or that other circumstances make the uTIf'osition (If the sal'ctJO!l Unill~;I." Cede
]8 Civ. Pmc. § 2023.U30(a)(emphasis added). In imposing a monetary s:lnction unde Scctilll1
19 2023.03(\ the court may order that th,;: party subject tt) the sanction "P;l~' the rease,nJbk
20 expenses, including attorneys' fees, in·::urred by anothl~r as a result of that conduC!" JJ. l'he
21 nature of the monetary sanction is to compensate fllr expenses incurred; thus, the Cuurt may
22 award a reasonable amount to (OmpC lsate a party for its expenses incurred and is n( It linited
23 to the costs that might be properly taxed against the losing party after [;w trial of I"Iw :lni,m.
24 See Rosen Y. Superior Court, :>H Cal. .\pp. 2J 586,5% (1%6).

25 The Court should issue monetary sanctions rec\uiring Zcrnik to '-cirnburst'
26 Countrywide for its legal fees :lnd costs incurred in conncc,jol1 \vith rcspondl11g t.) 7.ermk's
27 numerous emails and in preparing and filing this moti·m with the Cour1 ..\s dcradcclln the
28 SMOIDOCS6~7433 7 13
COUNTRYWIDI-'S Mm[()NTl~i]~NF()Ri:l:PR6i HTIVE
ORDER AND FOR SA'<CTI( )'~S A NI) fOR >\ ]XCL.\ {A nON
>\ND FOR A,"l OSC WHi DHuml..N I ~;III.IULD NOT BE
HELl) 11'1 C<H,:l::MPl
Declaration ofJohn W. Amb(~rg attached hereto, Zernik's barrage of e:-nail comrlUnical:lons
2 to Countrywide's counsel regarding their repres,entariJn of Country\vick, along \,"ith his
3 repeated blatant and defiant violatlOfs of the Court Order, have caused Country'.\'ide to incur
4 legal fees and costs in the amount of $16, 170.0lt. COllntry~\v1de rcasom bly an ticlp 'tkS
5 incurring additional kgal fees respotl.ling to what is sure to be more (( mmun.icaril)JlS fttHn
6 Zerruk after the filing of the Motjon, and asks that the Court a\vard ~;allrtions again:;t /.( rnik
7 to compensate Country\vide !()r all 0: its fees and costs. But for l.ernji, \ \\,1Ilful c isobediencc
8 of the Court Order, Coumry~,;de would not ha',T been forced to incur these Cxp~l1~;es.
9 IV. ZERNIK'S WILLFUL VIOLATIONS OF THE COURT~)RUER":~AARANT
10 AN ORDER TO SHOW CAUSE WHY ZERNIK SHOUI,;D ~OTJ}EHELI2
II IN CONTEMPT
12 Contempt is a disobedience') ~ the Court by a< ting 10 oppositlon to i(~. aul hority, Justice
13 or dignity, Raskin Y. Superior---.Li>Utt, 13R CaJ..\pp. 6(8,670,33 P.2d)1 ~ltrH). Contempt
14 proceedings arc criminal in mture, ~,c guilt must he e~tablished beyond a n:asonaf-Ic doubt,
15 Reliable Enterprises Inc. \". St!}2Q"i!}.!J~ourt, 158 Cal.i\pp.3d 6U4, 6[2, 2(1.+ (.d.RpIL 7X(I, 7~N
16 (19984). 'The pmvcr to weig"l evidence, however, re:;rs excJmi\l:ly wit h the trial CO lift.. , 11
17 "Direct" contempt is that comrmtted in the immediate vin\: and pre::ellcc t ~r the (:ourt ( ,r of
18 the judge in chambers..\11 other con tempts, such as lhis one, which occur outsitlc the
19 presence of the Court, are "indirect." See Nierenbl~ Y. Supt·nor COUlL 51) CaL\.pp.3d 611,
20 6[6 (1 <)7 G). A finding of indirect contempt require:s tle record to contai n substantial evidence
2J that the contemnor willfully :l'1d contemptuously n{used to obey an oder «.f the l :ourl. .ld.
22 The Court may infer the rcqwsitc intmt to violate an order from the ci:TumsTa1lCc -. 1d,
23 Certain acts constitute cOlltCll,pt as a ma::ter 01: law, including (a) abuslt\g rhe cour!
24 proces~; or (b) disobeying a coun order or process. ell. Civ. Proc. Code §§120 t)(;' ) (4) and (5).
25 E\'l~ry separate act of disobedience of a court order is a separate collttmpt. L~on~;~~t!:l-.l:,
26 Superior Court, .19 Cal.2d 848, H55 (1952). Each act of contempt is pU'lishable by a tim: not
27 exceeding S 1000 or by imprisonment not exceeding five days, or both. CaL Ciy. F'rnc. Code §
28 SMOl DOCS657433 7 14
- - COUNTRYWIDE'S ~1Crji~::~(J[NFi::~:C1~ PR()'i1:cTIVE

OfDER AND FOR SANeTIO),", ,\ 'Hl FOil .~, DECLA RATION
AND FOR A\J OSC WHY DEFIKOAN- SHOULD NOT BE
HI I D II" C()\lTE\Wl
1218(a). The Court may order the (c,ntemptuous party "to pay to the puty initi~'ting the
2 contempt proceeding the reasonable attorney's fees and costs incum.:d by this party in
3 connection with the contempt proceeding." ld.
4 In order to fino Zernik guilty ':If contempt, l'lu; Court need only find that:
5 (a) the July 23, 2007 Order \vas sufficiently dennitt.: and ccnaiJ10 be
6 cnforceablc~
7 (b) Zernik wa:- sClyed \vith or had actual knowledge l) f tint OrdcL
8 (c) the Onkr \Va:; h full force and dfeer at the time lrJ ljuestion;
9 (d) I.ernik \',as able to comply \vith the Ordn; and
10 (e) Zcrnik ,.illfullr disobl:\Td the C:-mrt's Order.
11 Id. The record before this C.urt establishes the t<.>:rq,;oing beyonJ a re:l-:oll;1b1c <-I( .ubt.
12 A. The Court Order Is Enforceable
13 ,\n order is enforccabk in an inJirect contemp proceeJing ifWL0rc'kJ is j!:!_',yririDg or
14 entered in the Court's minutq, and if the order IS definitin~ and certain. KcU~:h(:L~:_SllJlCrior
15 Court, 9 Cal. :\pp. 3J 6U1, 6(j.l-W5 ': 1(70). The term; of the (:oun ()r,Jer arc clea r ,llll.!
16 uneyuivocal. Zernik was directed to communicate "sllIely \\lith Countr:\vide's JC;lgnatc,J
17 counsel and no other Countrywide officers or employees regarding the present aC1.lon."
18 Further, the minute orJer from July 23, 2U07 conbtm, that Counrrywi(I.:'s prnpo<'u urder "is
19 sigm·J and effective as of this date.:" (i-\mberg DecL at '14, Ex. C.)
20 B. Zernik Has Actual Knowledge of th(~ COlirt Order
21 Zernik had actual knowledge of the Coun Order. L:crnik has b( ,:f] on notLe of the
22 Court Order since July 23, 2007. Ze:mik represented himself at thl' Jul~ 23, 2{ 107 hC;lrin12 on
23 Countrywide's motion for a p::otecti\-,: order, and sub:rutted Oil the Coun's IcnralWC ruhl1g
24 granting the protective order. (Amberg Dec!. at '1 3.) Zernik was spt:ci rically told by Judge
25 Connor that he was ttl corrununicate only \\rith corporate counsel and that the onkr had been
26 granted. (Id. at ']5, Ex. D.) Zernik was served '.\lith a copy of the July .~:~) mJfllltc (,rder which
27 confinns that Countrywide's proposed order "is signd and effectin as of this dau:." (hl at ~
28 SMOID(XS657433 7 15
- - - COUNTRYWIDE"'S MOT!i5Nl'i~Ii:NF(jR(jiJ>R6i:ECTIVE
ORDER AND FOR SA\,CTIDr,S A\D FOR!\ D,=CLAI~ATION
.....N D FOR AN OSC WH\ DFFENDANI :,f10ULD \0'1' BE
HLLD 1.\1 CIlIHE\1PT
15.) In several of his emails tJ Countrywide's counsel, he refers to the C:ourt Ordc.r numerous
2 times, indicating that he is fully aware of the Court Order. ad. at '1~ 1(1-12.) For ,:~xamplc, on
3 October 30, Zernik emailed Countrywide's counsel, acknowledging tht existence :)f the Court
4 Order and stated that "you recently threatened 1"0 enforce the protecti\ e (gag) or,.lcr issued by
5 Judge Connor." ad. at ~ 11, Ex. .J.) Further, on No\'Cmber 1, 2007, Ztrnik ~ent :In email to
6 Bryan Cave attorneys and Sar:mels and Mozilo staunt:; that "it appearcl that such :)rJcr was
7 indeed issued to you by Judge Conr.cr." ad. at ~112, Ex. K.)

8 c. The Court Order Wa5 Always in Full Force and Efk~~t
9 The Court issued the Order () n July 23, 2007, ;lOcI has never yaGltcd or m lLlitlcd II.
10 Zernik has never sought any relief Dr exception from the Order, Countrywide h:l:; 1]('\"(:1'
11 waived any of the Order's reguirements,

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12 D. Zernik Was and Is Capable of COl!!plying with the Cgj,IrcOr<l-n
~
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13 The defcnsc of "inability to comply" is inapplicable here as a nutter of Ll\\, I:ernik
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~~.~ 14 was pt'ffectly capable of complying \vith the Court OJ'der, Court~ wl1lth hayc upheld t1ut
in ;;g
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c:-oU 15 defense found that the alleged con1'cmnor actually lacked the physical allillty to r,:~rf,)rm the
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16 required act. Sce r..lyers Y. Su?cnorCoun, 46 Cal.:\.p·). 20(j, 20<) (1 <):~() (bank, nOl the allcged
III
C
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en 17 contemnor, had possession and control O\'er bondt: ordered produced); ~iHLU.D.I.!l;!.':.J.J..'}:.:
18 Railroad Comm'n., 1:)9 Cal. 228,231 (1922) (fol111cr corporate secretan- lacked a _lthoril~ or
19 control over company records ordered produced).
20 Zernik is clearly able to direct rus communication to Countrywide's coumc l. Thi~ is an
21 action within his cxclusiye control, and something he has clearly :::J';O\\li to bc car·able of in th('
22 past. The Court OrJer did not restt;et Zernik's abili~; to commU111cate with Countnrwille, it
23 only mandated that Zernik was to communicate sold; with counsel. Imtead of (( 'tnplying
24 \,,;th thc Court Order, w'hich he is pc;:fectly capablc of doing, Zcrnik C<J1HlllUCS to d1501ll'y it.
25 E. Zernik Willfully Violated the Court Order

26 Zernik willfully violated tl,c C,mrt Order. "Di~obedience of any Lm,-ful judgtTiCm,
27 order, or process of the court' is by statute defined a~ conrempt of the "uthority of the (ourt.
28 S1\101 DOCS657433.7 16
- - COUNTRY\NJDE'<; Mo'ii)j\Jri)ENf:~iiicf~ PR611~CT)VE
OIcDER AND FOR SANCfl'INS AND FOf. i\ IJEC!) RATION
AND FOR AI\ USC Wll' lJ£:HND.\i'<r SJ-,OULL NOT BE
IlI:JD IN CO\lTEMPT
Oil \'Vorkers Inel Union Y. Superior_Coun, 103 Cal.App.2d 512, 534 (1951). \,\'bcn it appears
2 by substantial eyidence that a person committed an act proscribed by a lawful ord;~r of a court
3 and did so with knowledge of that order aod its pertinent prm-isions, there is substantial
4 evidence that \\rill support a finding of an intenti.onal 'liolatioo of tbe order. ld. \\'here a
5 party, with knowledge of the terms 0:: an order and ability to comply 1rcre\\'ith, dId not do so,
6 it can be reasonably inferred that their inaction \vas intentional, despite express lbchimns of
7 contemptuous intenr. City of V ~rnon v. Superior COllrt, 38 Ca1.2d 51 Ill. 51 X (19S:::).
8 The circumstances here arc clear: Zcrnik has s ,own complete contempt t~ Ir the Court
9 Order and continues to \villfully violate it. Zernik hm acknowledged th.: l"Xlstcncl {If th('
10 Court Order numerous times, telling Countrywide co Jnsel that "you recently 1hre:ltclled to
11 enforce the protectiyt' (gag) o:~der ismed by .I udge Connor" and that "it :lppcared thar such
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12 order was indeed issued to yo J by Judge Connor." (1;L at '1 12, t':x. K.) De~pitl' .Hlll1itting
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M'¢ 13 rhat such an order is in place, Lcrmk has knO\vingly a ld intentionally y ()Llted thl Coun ()rclcr
Q..s~
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Q) U) E 14 numerous times by directly ccntacring Countrywide oftlcers. l\frer C:()l;lntrywjJc-~ COUIN:]
~ ~g
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15 informed Zernik that Countrywide would be seeking ~edress for his vic ,:ations of 111'.' COJrt
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16 Order, Zernik scnt an email entitled "VIOL\TION OF COURT ORDlm.? \VH.\T COURT
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17 ORDI j{?,' and asserted "it is Jifficulr to believe it ever existed." (Id. a" J..L I,:". \1.) /.l'rnik
18 has indicated his intention to deny or ignore the Court Order. ConseqlJunly, the :~( .urt
19 should find that Zernik committed multiple contemp'uous acts and S:ll,cuon him lCcordl11g1y.
20 V. CONCLUSION
21 For the reasons set forth above, Countrywide :~espectfully rcque:, t s that til<:: Court grant
22 Countrywide's l\lotion to enforcc the Protectivc Ord( r and for other n IicC
23 Dated: January 17,2008 BRYf\N C\VE LLP

John W. ,-\mberg, ESlJ.
24 Jenna Molda\vsky, ESlJ.
25
By: -5i:~ll1d:~~~Y~#..,.-------
26 .feH:1a j\Iolda\Vsk~- ,f
AttorneY5 for COUI\TRY\\iIDt~ Hf».\lE
27 LOANS, INC.
28 SMO][XXS6574337 17
COUNTRYWIDE'S M011;c~1~)u..;n;:j;,:i:I)R(i:[ClIVE
OFDER AND FOR SANl'TH J;'~ A>ID FUH .\. I lECl ,\RA TION
ANLJ FOR A\I OSC \~ IIY lIfTE NDAN'" ,HOUL) NOT BE
til ) Ii'. CO-.JTEMPT
DECLARATION OFjOHN W. l\~1BERG
2 I, John W. Amberg, dtclare-:
3 1. [ am an attorney licensed to practice law before all the C( .urt~ uf the State Df
4 California. I am a partner in the law firm of Bryan Clve LLP, counsel ,)f rl'cord ;·,.r
5 Countrywide Home 1,oans, Ir,c. ("Countrywide"). I have personal knowledge of Ilw fae 'S set
6 forth in this declaration, and if called to testify, r couJ.:i testify competently to sud: facts.
7 On July 23, 20U, 1 attended the hearin,~ in Judge J ;lCljl1C line Connor\.
8 courtroom to present Coun~",vide's motion for a protective order. .\llIlg \vlth It; motion,
9 Countrywide submitted a proposed order which orde Td that Dcfcndanl.l oserh ;; ernik
10 ("Zernik") to communicate "solely with Coumry\\;de's de~ignated co Ull '';!:' I and 11< ) other
I1 Countrywide officers or employees n.garding the pre~ent action." ,\ true and correct uny of
to
to
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12 the proposed order is attached hereto as Exhibil- ;\ and incorporateJ herein b} rl'L~rl'nce,
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",,'<t 13 3. Zernik represer.ted himself at the hcarilw.
h
Before the hear-im'_ we werel")
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~cnE 14 infoffi1Cd that the C:Ollrt had i:isued a tentative order uaming Countrywide's motion, and the
fU ~g
O~ro
cuO J5 court clerk provided the parties \\-;th (opies of the tematin: order.. \ ltlL(' and c< )'T('( I C,jpy of
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J6 the tentatin' ruling is attached hereto as Exhibit B and incorporated he-ein by rett fcnce
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17 4. Countrywide alld I.er~) k both stipulated to the tentative :-uling. Thl.' ( ,jurt then
18 granted Countr)·\\---.ide's motion for a protective order. The minute order from the hearing on
19 July 23, 2007 states that Coumrywides motion was granted in its entire-~' and tha r the
20 proposed order concurrently ~,ubmittcd "is Signfd anc effectivL: as of thi.; date." "he
21 proposed on1cr was not returned to CountrywiJe and currently has not heen located in the
22 court fJlc..\ true and correct ,:opy of the minute ord( r is attached hereto as l~xhibir C :i11U
24 5. .-\t the hearing,:he COLrt directed Zernik to communiclll' solely Wit h
25 Countrywide's designated counsel regarding this aC1:io~ and no other CclLlntywide "ftieet" or
26 employee..\ true and correct copy of the transcript of the hearing on (:. fumt}widc', me tion
27 for a protecti\'e order held on July 2.3,2007 is attached hereto as Exhibl1 [) and incorporated
28 SMOIDOCS657433.7 18
- - COUNTRYWIDE'S MOT~5J\.'T()I'NF(;iii:f'PRUTECTIVE
ORDER AND FOR S/\\,(TIU';<; ANI:' FOR ,I, DECLHATJON
<\NO FOR AN OSC WH' DEFHmA;-.J1 ~;H(lUL[) NOT BE
«
HU.D i'~ lr. TEMPT
herein by reference.
2 C>. On October 2, 2007, Zernik contacted me and other attorners at Bryan Cave,
3 as well as Countrywide's in-house counsel, asking numerous questions about CO\l·lt~"'Nj..le's
4 alleged involvement in the m~ltter and about Countty.'v1de's legal r(:pre~cntation. /cmik
5 sought to obtain "information" in support of his "clams" that Country,.vide anJ the Lot,
6 .\ngcles Superior Court judges aSSIgned to this case had engaged In col.usion..\ true an.!
7 correct copy of this email is a :tached hereto as Exhib t E and incorporated herein bv
8 reference.
9 7. On October 3, 2007, I responded on Countrywide's belulf that Co: 'IlmrywIJc
10 declined to be further involved in the matter. A tme 1I1d correct copyd~ this emaJ! is atl ached
11 hereto as Exhibit F and incorporatcJ herein by n.:ferencc.

<D
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12 8. On October 16, 20iJ7, I.ernik sent a letter via tmail to (:<>tllltfywi.. k officers
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r')'¢ 13 ,\ ngclo l\lozilo, the Chief Ex( cutin Officer of Countrywide's patent Ct ;.mp:my, C. H 10 trnvide
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~ en'~ 14 hnancial Corp., and Sandor Samm·ls, the Chief Lt.·gal Officer of C()l1ntr~wide. /crnik :hked
~ >'2
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<0'" 15 Mozilo and Samuels numerous questions about Countrywide's in\'oh-emcnt in the' ClSC.
~om
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16 Zernik yuestioned whethtr Countrywide bribed or "pron-u~cd future money:," to "any j\ dicial
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17 officer or staff in conjunctlon wilh Samaan v. Zerllik," and whether Cc:ul1lrywidL engaged in
18 any "obstmction of justice." Zernik also guestiom:d whether COllntrY\\'Jdc ~ponsored the
19 plaintiff's legal services. Zernik demanded that ~.lozil(l and Samuels pn 'I'ide him ,dt h
20 responses to his questions \N1thin three days. ;\ true ;md correct copy ,)f the em'lil, \\'hil h has
21 a copy to the Commission on Judicial Perfonnance is attached hereto a~ Exhibit (; and
22 incorp( lrated herein by reference.
23 9. I responded to Zcrni~;:hat day via ema: I and stated that he was in v:ol arion of
24 the Court Order and must cC:Jse all communication with Countrywide officers and tmp],)yees.
25 I rcaffinned that Countrywide \vas a represented party and that 7.ernik was rc din:~ct all
26 communications to me. ,\ t.rLe and CJrtect copy of the email is attached hereto J~; Exhibit H
27 and incorporated herein by re ference.
28 SMOIDOCS657-n3.7 19
COUNTRYWIDE'S M01i;')N TC)f"m:,ji{j'lwi''F'hlvE

o~ DER ~ND FUR SANCTIONS AND FOR ,I DEO ·\RATION
AND FOR AN OSC \\ In OEFf'NDANT ,HI )UI D NOT BE
HII j) I .... COhTEMPT
10. In an October 19, 2007 email to me, Zernik acknowledged that "y:: u are ~tiU
2 representing Country\vide." Zernik stated: "I doubt Dat either you or (ountry"\vlde would like
3 to bring this Protective Orde before the Court again, since that PrOTeCljye Order and the
4 circumstances that led to its i~suance by Judge Connor represent one cf the ll1ghlights of what
5 is the subject to my complaint to the California Commission on Judicial Perform~ncc." [\
6 true and correct copy of the email i::; attached hereto :lS Exhibit] and incorporated herein by
7 reference.
8 11. On October 30, 2()Oi', Zernik emailed me again, ackno'.v1cdging the existcnce of
9 the Court Order and stated that ''you recently threatened to enforce the protect.i,,: (gag) order
10 issued by Judge Connor." ;\ true and correct cop\' oj' the email is attached hetC1:\ I a- I':x 11iblt J
11 and incorporated huein by reference.
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12 12. On No\'Cmhcr 1, 2()(1] Zernik again emailedCountrywidel)fficers;\tozilc.lI1d
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C0~ 13 Samuels. Zernik demanded tnllt i\'lozilo and Samuels respond to his alicgauons It'gardil1g
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OJ en E 14 purported "fraud" and accused Countrywide of the "::orruption ofJudl~e Connor's court,"
~ >£
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C"OO 15 /.ernik questioned whether there \vere "some phone ,:alls between ::)anuJt'b, JuJ:t,',(' ( ;oodman
'"ce~
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16 and J uJge Connor." /.crnik' ~ emall included mer fifteen (Iuestions to ~\ tozilo and Samuels
c:'"
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17 regarJing Count.t:'\vidc's alle~cu "fraud" anu demanded that J-,lozilo and SamueL pnlvicc him
18 \vith a "full explanation of your conduct in this case." Zernik also admitted that he nad
19 previously contacted Samuels "throu,sh his position at Bet Tzedek," th,: chantabk
20 organization where Samuels serwd a~ Chairman of the Board of Directors. Rcfll'ring tl I the
21 Court Order, Zernik stated that "it appeared that such order was inJced issued to y' III Ih
22 Judge Connor." ,\ true and correct copy of the email is attacheJ heretl' a~ Exhihil K and
23 incorporated herein by refere nee.
24 13. In response, 1 emailcd Zernik on November 1,2007 and lDfomled him that he
25 was in violation of the Court Order and demanded t1': at he desist from \'iolanng HS ~em1S. ;\
26 true and correct copy of the email is :1ttached hereto as Exhibit L and incorporated herein by
27 reference.
28 SMUI[)()('S6574337 20
COUNTRYWIDE'S Mofi7)N TI) FNF{ij~Cf; PRI'irECTIVE
OlWER AND FOR SANeTI ]~,s AND FUlt ,\ urc) ,1,RA TION
AND FOR A>J ()SC WH',' DfTF\DAl'. r SH8ULr> NOT BE
HE DIN C['HEMPT
14. Zernik emailed Samuels and Mozilo again on Novembel 1, 20n7, entltling the
2 email "VTOLATION OF COURT ORDER? \VHAT COURT OlU)ER?' and attested: "it is
3 difficult to belicye it ever existed." Z,ernik accused C:)untrywide, as wdl as the Scpcrvistng
4 Judge, of making statements that are "dishonest, deliberately mislcadinJ;, or frauclIlcnt."·
5 Zernik added that he '\vould be glad to receive Mr. Samuels' response regarding the other
6 instances of fraud and deceit :>erpetrated against me." A true and corr'~ct copy of the ('nail is
7 attached hereto as Exhibit l\1 and incJrporated hercir by reference.
8 1S. On Nonmber 2, 2007, at my direction, we personally sen-cd Zerni,;. with ;l
9 letter insisting that he refrain from Yiqlating the term~ of the Court Orcin, and staljng that if
10 Zernik continued to violate the Cour: Order, Countrywide would seck all a\';lilablc remedies,
II includmg sanctions. i\lso at fly direction, we served Zemik with a nutcc of ruli[\I~' attm. hing
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12 the minute order which confums thaI the Court granko Country\vidc'~ motion anJ th;lt the
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(")"V 13 Court Order is presently in pl3.ce. Tr Je and COLTCl copies of the letter and !lotie,.: of rul ng
Cl ~ g
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~ (/) "E 14 arc attached herctl> as I':xhibit N and incorporated ht'Tin hy reference.
~ ~~
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15 16. On Non:mber 3, 200? Zernik again emailed Mozilo and ;::;amucls. /,crmk's
~om
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16 email demanded that ,'\lozilo ~:IlJ Samuels respond to his allegations of "r-raud" ,'vi thin three
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17 days. Zemik questioned i\[ozllo and 3amucls with regard to the plaintir"f\ "fraudlilcnt loan
18 file" and a Countrywide employee's "fraudulent declarations." Zcrnik again referenced the
19 "corruption of Judge Connor's court by Countrywide." Zernik stated: "!(lr me, or CUllr.;,.:, this
20 \vorId of fraudulcnt and corrupt judges is new. But I :,omehow suspect rnat it is 11, )t the case
21 with you!" ,\ true and correct copy of the email is attached hereto as Exhibit 0 and
23 17. On NO\'Cmber 14, 20( P (though erroneously dated Novunber 15, }U(t7),
24 Zemik again emailed 1\lozilo ;lm! Samuels. Zernik complained that Lour11.IJ'\vide <lerome,s
25 had failed to provide answers to all of his questions ard once aga.in aecu:,ed Coumty\\-itk of
26 conspiring with Superior COU11 judgl~:;, asking '\vas it lust silent understanding bet',vct:n t\\'O of
27 a kind?" Zcrnik claimed that Country \vide's conduct in this matter "epJ1:omizcd the
28 SMOI DOCS657433.7 21
COUNTRYWIDFS \10T16N TO(::-"IF6~~6-PR(l:f f~CTIVE
ORDER AND FOR SA.NCTJ( .~jS 4.ND FOR ,l. DECUJ<A flON
.\ND FOR AN OSC WHY DE!'!' 'JDAJ\T '.fHOliU> \lOT BE
Hr. >IN CC'~'TEI\1PT
.,.....,..,...
corruption of L\ Superior Courts." .\ true and corre·::t copy of the emajl is attached hereto as
2 Exhibit P and incorporated herein by reference.
3 18. On December 2, 2007, Zernik emailed J\lozilo and Samuels dirccd:\, [n the
4 email, Zernik demanded that M07:ilo and Samuels amwcr numerous llucstions ahc 'L1t
5 Country'-vide's invoh'ement in this matter, and once ::gain accused Countrywide ,)f bein,f~
6 complicit in fraud and deceit. Zcrnik also demanded an immediate retnction of all
7 documents CountI)"-vide has filed in [his case. Zerruk demanded that MozJ1() and ::-;;tmuds
8 provide him with responses to his questions \vithin t\:.'0 days. i\ true and corren copy (.f this
9 email is attached hereto as Exhibit Q and incorporated herein by refen nee,
10 19. On January 9, 2008, Zernik again violaled the express terms ot the" :()urt )rder I
11 by contacting i\!milo and Samuels directJy. Zernik emailed the COllntH\\ ide ()fficcr~;.
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12 attaching what he c1aimnl to be "hf' Countrywide documents that he held to be
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-1'3 ~
~ en "E 14 Countrywide and Country\vide's "subsequent drop in share pnce" and -tared thai ;\!ozilo and
~ ~g
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00 16 motion prior to thcJanuaq' 11, 201l!) hearing. ;\ tme and corn~cl copy :lftlm emaIl i~
~~
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17 attached hereto as Exhibit R :IDlI incc'rporated herein by reference.
18 2IJ, ()ne of Zernik\ atrachmcl1ls to hiS January 9 email wa:; ;111 adduionallcttc,' to
19 Mozilo and Samuels. In the kttcr :!'ernik claimed thar "events thIS week led me t<; belic\ e that
20 you would possibly change your stand 00 the matter below, and finallv -,[oP the red estate
21 fraud and litigation fraud conducted against me (hrough Couot!)"-vide f-audu1cnt Jocunwnts."
22 Zernik's email also attacked trc judges of the Los .\ngeles Superior COlHt, bbelill f :J Udgl
7"
--' Segal as "dishonest" and clairrcing tha: the alleged discrepancies in cour' documcnl.; in thiS
24 case were "classic Connor," rc fcrcncing Judge Jacqueline Connor, who entered th(" protective
25 order against Zernik. I'.ernik demanded a response to his letter by S:(J(I pm the sarac day. 1\
26 true and correct copy of this letter is : ttached hereto as Exhibir Sand lIlcurporated hen:il by
27 reference.
28 SMOIDOCS657433.7 22
--COlfNTRYV,M'S \1011')~wTNF61~:~-PROi'FCTlVE
ORDER AND FOR S'\NC n(I'I~ .'\ND FOR ,\ [)t:U.Al~A nON
.\ND FOR AN o~c WHY rHTf'iD'\NT 'rlUULD \lOT BE
!If. ) 1'1 cot'- TEMPT
21. Again, on January 15, .2008, Zernik emailedMoziloandSamuelsdlrectly.md
2 copied over 50 people in the local Je.vish community, including severa Rabbis and lemple
3 employees. The email was entitled "\10ZILO AND SA:YIUELS ARf-' COLLUDING IN
4 REAL EST;\TE FRAUD, MORTG AGE FRAUD ,\NO FJ\X/\'(!IRI: FR.\UD
5 PERSONALLY, KNOWINGLY f~ND DELIBERJ,TELY!" The emaIl st,ltCS riLl! t\Io;-ilo
6 and Samuels "arc colluding ir the theft of my home 2nd e(~uity, through the tIling of
7 fraudulent documents in court." Zernik also created and s.ent a mock Inyitatlon [I) a Bel
8 Tzedek charity dinner, makin,~ libelous statements ab:mt Countrywide :ltliccrs, ({)unt~n.vide
9 in-house counsel, the appointed recever in this case, and claiming that C(luntf)'\\'iJe "a\'oided
10 discovery." Zernik also stated that Judge Terry Friedman was "a fornw.,.- Bet Tzcclcl;
1I Executive" \'vho "refused to disyualify himself' in thh case. ,\ true and correct u 'p\' of Ihis
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12 email and invitation is attached heretn as j':xhiblt 'I and incorporated k:rein by t(·j·creno·.
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",.q- 13 22. I attended a hearing i~ this matter on J:lOuary 11, 20il8, \'.d1ich is when the
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-;: (J) ·E 14 Court was originally scheduled to hc;]r this motion. Though the Court '.:ontlfluccl rhe hearing
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15 on this motion, I.ernik djd address trc Court at that time lind made SC\ eral false
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17 surrounding its issuance. Lemik fabely stated that the only person he C'lntaeteo ,Jt
18 Countl)'\vide other than ~andJr Samuels and Ange:to \lozilo was Country\vldc's .: llstodian of
19 Records. Zernik also falsely stated that he had contac ted Sandor Samu,Js only in 'll:~ car-a city
20 as the President of Bet '1'zede:,'s Board of Directors. Zernik also [llsel'/ stated to the Ccurt
21 that Countrywide had not provided him with noticc of the Protective ( )rdet.
22 23. Country'\\idc W1S forced to incur legal fees and costs in r,:spondin;J to I.c:rnik's
23 numerous emails regarding th:, Court Order and in vi,)lation of such ord ct.
24 (a) I haH spent ap)roximately seven (7) hours revie\\ing, dn fting, di~;':llSSlOF and
25 preparing responses to Zernik's communications regarding Bryan Cave\ represcJJ:ation )f
26 Counuy\\ide and to those communications in violaricn of the Court O-det. ,I ha\'<.' been
27 assisted in these efforts by Jenna ~loLia\vsky, an attorney working under my clirel 1.10n, j\ fs.
28 SMOJDOCS657·B37 23
COUNTRY\VIDE'S MOl ION TO ENFORCr: PROTECTIVE

OI<DER AND FOR SANCTil .t~S A1'-D FOR 1\ DECI.ARATION
AND FOR AN OSC WH) DfFENJ)-\l\l :;HOI JU) \OT HE
fiELD IN COr<TEMPT
J\foldawsky has spent in exec,s of 3.3 hours reviewlnl s, drafting and preparing respc.nse~ to
2 Zernik's communications regarding Bryan Cave's representation of Countrywide :md th· )se in
3 violation of the Court Order.
4 (b) As a result of Zernik' s violations of the Court Order, Cc: untrywid( WitS aJ:;o
5 forced to file this motion to enforce the protective Older, for sanctions, for a dechraciofl from
6 the Court, and for an order to show cause why Zerni:( should not be h~·ld in cont•. mpt (the
7 "I\.lotion"). i\ total of at least 36.6 hours has been sp':l1t on this i\fotiun and suppoJ'tmg
8 papers by the law'yers, of which I spent more than 5.:, hours. Furthermore, J rei ;.>nably
9 anticipate spending 0.5 hours reviewing Zernik's Opposition brief, and \vill spend
10 approximately U.5 hours re"ising Countrywide's Repl? brief. 1 also anticipate spending
11 another 1 hour preparing for and attending the heariLg on this i'.fotion
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12 (c) I have been assisted in this I\.lotion by f,fs. i\loIJawsky. :'!s. !\lold:l\v~ky h 15
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(')'<1" 13 spent in excess of 3] 1 hours drafting and preparing this I\.lotio!l, whICh includ<.'~ drafting and
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15 the Proposed Order. I anticipate tha i\ls. I\.foldawsky will spnld appru:l.lm'Hc!y ~~ hl,urs
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16 re\'ic\vlng and analyzing /'ern.k's Opposition, and conductmg legal r('scHeh. I fmrher
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17 anticipate that 1\ls. 1\1oldawsb \\'111 ~pend approximately 5 hours draftin,l!: and rC\·I~;ing
18 Countrywide's Reply brief. l\ly billing rate for this JTI:: tter is $471) per h lut and 1\b.
19 Moldawsky's billing rate for this malL:r is $225 per hcur:\Iy hourly race of s,no '{ l4.5
20 hours ::: $6,K15, combined wirh 1\15. ;',Iolda\vsk)"s hourly rate of $225 x ·-11.-1- hours ::: $9) 15.
21 Additionallv., ,. the filinv. fee for thi~ \[otion is $40.00. Thus, Countrywide
'.) . \vill incur :11 lea '\"
22 $16,171) in bringing this I\.loti(,n and i::1 responding 1:0 Zerruk's cornmuncations n~:,~:1rding
23 Bryan Cave's representation of Counl.ry\vide and to tl~ose communican:ms in \"iolation of the
24 Coun Order.
25 III
26 III
27 III
28 SMOlDOCS6S7433.7 24
COUNTRYWIDI', ~10'1~:)t\ TOl:NFC)ki:TpRo'iE"CIWE
ORDER AND FOR SANCTK'N~ -\NC FOf: .t. DEc·L.UATION
\ND fOR AN 0';(" WHY [)(TF';DANJ ~:lI' IULO 'JOT BE
HEL~) IN CU'JTEMPT
24. Countrywide reserves ':he right to seek reimbursement 0 f addition:!, legal ~~es
2 and costs incurred responding to Zemik once tillS t-.lotion is filed.
3 I declare under penalt:l of ptriury under the laws of the State of California dlat the
5 Executed this 17th da? ofJanLlary, 2008, at Santa t-.[onica, California.
6 ~/'
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28 SMOI DOCS6~7433 7 25
COUNTRYWIDE' ') t-.10l'iC)N l()ENFi:;itCI:-PR6'i'I:CTIVE
OI~DER AND FOR SANeTI,',,"S AND ro~ "DECI,' RATION
AND FOR AN OSC WHY UH !.NDAN' SHOUl r; NOT BE
!HID IN CO'JTEMPT
DECL,\R},TION OF TODD 1\. BOOCK

2 I, Todd .\. Boock, declare:
-.
-' 1. 1 am an attornfY licensed to pracrjcc law before the court~ of the :~lalc of
4 California. I am counsel fOf Countj-ywide Home Loans, Inc. ("Countf:.:wide"). I ha\'e
5 personal knowledge of the facts sct t~Jrth in this declaation and could c:ompetent. y ':csti t~y to
6 the following facts.
7 2. In ~larch 2U07 Defendant Joseph Zemik ("Zernik") sent llutneru .I:; ('!nails and
8 left various Yoice-mail messat;es fur ~.larida Garcia, a paralegal in CuuHrnwidc\ l:gal
9 department and a custodian cf records, demanding thaI she comply \Vd1 hi~ d(lCI.lt1lCnt
10 demands. On l\larch 2~, ZOO;, in response to numerc,us emailsand\lllce.mail ml'~;S:I,t;es
11 directed personally to (;arcia, [ cmaiLd Zcrnik and ad"iscd him Ihat si1llc COllnrn'widc and
12 its employees are represented by counsel, I.ernik should direct all commUlllcatl011 to me .\
true and correct copy of this l:mail is attached herem as E",hiblt L: and 11lcorP()f;I:cd herein by
14 reference.
15 .1. Zernik replied '[ia emall that if i\1s. (;~l!cia supplied her all,of11l'\"s email addr<:ss,
16 he \vould fOf\vard communicatiuns to her attorncy. In his cmnil, I.crnik also rhrcatellcd \1:;.
17 (;arcia with "consequences," lneluding her para legal license and ('\'(:11 S .l~~gested ~hc retain her
1g O\vn attorney. :\ tme and correct copy of this email i;; attached hereto lS E:\hibil " :md
19 incorporated herein by reference
20 4. On March 28, :!007, I ~ent Zernik :mot!er email, spccificilh' stating "I
21 represent 1\1s. Garcia, and I af;ain relt,:rated that any communicatiom to CountrY\\'idc or ib
22 employees should be directed solcly to me." ,\~ruc and correct copy of this email is :ltt:lched
23 hereto as Exhibit Wand incorporated herein by refcn:ncc. HO\\c';er, '.11 :'\larch ::~9, 2007,
24 Zcrnik left several voice mails for ~f:.;. Garcia rehting '0 the litigatJon.
25 5. Zernik sent a letter to me on 1'-1a1'ch 29, 20(0, copymg nol (,nly i\briela (;arcia,
26 but also ;\ngelo 1'-1ozilo, the (hairman of Countrywide's parent Clllnpall\, Count 1';\\'lde
27 Financial Corp., and Sandor Samuels, Countrywiele's Chief Legal Officer ,\ true and (lneet
28 SMOIJ:XX,·S657433.7 26
COUN fRYWIDE'S 1\1011;:"N f()ENI'::~~'~I:I)R(i:i(TIVE
Of.DER AND FOR SANCTJ():'~ A'i[) FOfI .\ PECL,\RATION
AND FOR A'oJ PSt' WHY [)EH N DANT -,HOULD t'OT BE
HI L 01\ COiHEMPT
1 copy of the letter is attached hereto as Exhibit X and incorporated herein by reference.
2 G. I am informed ,md beLen that Zemik also contacted t\v~) indivlduals in the
3 CounU)'\vide customer serviCt~ department, Nathahe Quesade and ;\h-lna Baylis~, and
4 attempted to interrogate them and er:courage them te, make various ad ni~slons :Ibout
5 Coumr)"vide's business practices. ,\round this Time, [ am tnfonned :1OoJ believe lhat Zemik
6 was leaving daily \'oicemalls for M~. (;arcia, sometimes several each da::. /'crnik als+) lef me
7 lengthy voicemaib intimating fraud.
8 7. I am informed lnd bcJiew that prior te late ~larch or early .\priL /..:m.ik
9 repeatedly called Diane Frazi{ r, a Fonner Country\\id~ underwriter, about the sllbect matter
10 of this litigation. I am informed and believe that Zernik told Ms. Frazia that he f~ad d01le a
11 background check on her, and told hl~r that he knew (ertain things ahout her thal m:Hk1er
to
co 12 uncomfortable. I am informed and believe that Zernlk called \Is. [-'razln's humt S<,
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Cl.Ql 0
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Q) en E 14 R. In response tol.ernik\ continued hara~sment of Countf\-widc t'mplo\'Ccs.
~ ~g
(j~ni
c..,0 15 sent emails to /'ernik on ;\pril 2, 21JU7, .\pril 13.. :Z007, and .\pril I(), 2{H!7, ag:un a~;kmg hm to
'"~oni
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00
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16 communicate solely with me 1egarding all matters rclaing to this case. ['rue and '-<)UCCI
'"
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17 copies of these emails are attached hercto as Ex hibit '{ and incorporated he!'cin i:,~' reference.
'"
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18 On .\pril 14,2007, Zernik spcciflcally demanded to meet \vith i\laricla (;arC1a rer:;o,ully
19 9. In his June 15,~OU7 email.Zernikattackedthe\vaylpra~:ticcrclig-i(

In, clalll1inf';
20 it \vas "disgusting," and that he was "appalled" by the my request that /ermk continue an e.'\.'
21 parte hearing for one day so that I could attend a Pass·wcr Seder with mv family. /:crnik also
22 berated Samuels' religious practices a:; "disgusting" as well. 1\ true and correct «II'!' of t lis
23 email is attached hereto as Exhibit ;: and incorporated herein by reference.
24 10. On June 23, 2{)i)7, Zernik emailed .\ngdo I\J OZ1)O, Chainnan of c.'lJIJ1J;.·wlde's
25 parent company, Countrpvidc Financial Corp., demanding that he personally cn~\.Lre tha
26 Zernik receive a declaration regarding the production of document:,-. ()n Iune 25, 2,;)1)7,
27 Zernik cmailed Sandor Samuds, Countr)'\Vide's (!ltef Legal Officer, demanding the Sam.:
28 SMOJOOCS6574337 27
- - COUNTRY\' J5i~s !Y1U!j-:I!\ T() ENF'::'F~-CYJ'R6::f:cTIVE
OI~DER AND FOR SANCTJi~'''~ A~Jl) FOfl .\. llECL!\RA TION
AND FOR AN OSC \VIlY DFHNDAN r ',IlUULD NOT BE
I-II::~ D ]!\. CO";TEMPT
relief. True and correct copks of the emails are attached hereto as Exhibit ;\A :Jnd
3 11. On June 26, 2( '07, Zetnik sent an email toSamucl~and(lpieJRahbJJos(.ph
4 Shusterman, questioning Sarr.uels' commitment to fighting real estate h:IUd and .lOoking lOr a
5 declaration regarding Coul1tt:T\\'idc dDcuments. 1\ tnle and correct cor')" of the c rnail is
6 attached hereto as Exhibit AB and ::ncorporated herein by reference.
7 12. On or around_ une 27.2007, I am infom1cd and believe that 7:ernik Jeft a ktter
8 for Sandor Samuels at Bet T7edck, II charitable organization where ~am ucls ~enc, as
9 President of the Board of Directors. Zernik again \vtote to \luzilo (Jnl! :";~lInueb on June 29,
10 2007. He copied Rabbi Jonathan Be~nhard, Rabbi Joseph Shusterman The I·lonor;lble R.
II William Schoettler, and "others in th,:, legal and Jewish commllnity in I.()S . \ngek:;"· Zcrnik
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12 claimed that Countr\'\\;de had eng:l~(~d in wire fraud md that Countll'wldc had \\·Ithhekl
J ol '_
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13 documents contairung "incrininating in fOnTI(J til)n'" \ true and c()rn~c- copy ()f 1he ematl is
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eu en E 14 attached hereto as Exhibit AC and incorporated herein bv reference.
>
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cuO 15 13. On July 4th, Zernik sc',! two email:; containing p(}tentiall> \iIK'lou.; ,t:ltcrncnts
'"com
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00 J6 in a purported press release to undisl\osed recipients, \\;th a COP\' Tn ~;lI1dor ,:)amucls. The
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17 subject lint' of the emails states: "PU':ASE "\SK SANDOR S. \\1 U EL~, TO STC() RE.\ L
18 ESTxn·: FR.AUD." The emails continue with an apparent press rcka-c, s((Jting in part:
19 "l"()J{ 1.1\11\II-':D1:\'1'E RELE/\SE" ;lIld "CountJywidc's 1\lozi11) and Samuels CopO]plicir 111 Real
20 Estate Fraud." The press release falsely asserts that "the fraud was c()flmittcd b;' cl,llus:on of
21 Nivic Samaan and Maria Mclaurin, Countrywide granch 1\lanagcr.o .1\Jcj .aurin and Sam Ian
22 also colluded in Mortgage Fraud att,~mp( and in Wire Fraud." They aJJ th:lt "~I,jJ:lurin also
23 prubably personally approved about $0.5 billion per year (1) in grossly fraudulent p)\"(~rt1 nent-
24 backed loans." The emails specitlcally mention Samuels' invoh-emcnt \lO! only with Bet
25 Tzedck, but also his position ..vith the Ziegler School for Rabbin.ical Studil:s. I am informed
26 and believe that Zernik sent the allcg,~d press rclea~;es to at least one ml~:mbcr of Be! Tzcdt:k's
27 board of directors as \veil as ethers :,n the legal :J nd financial c()mmunitl'~·s. True .ll1d correct
28 ~MOI DOCS657433.7 28
- - COUNTRYWIDE'S MO 'ii:lN 1 () ENFtijicT PR6i1i'TIVE
Ol:DER AND FOR S~.NCTlt .I"lS A~JI) rm' -\ DECL,\ RA TlON
AND FOR AN OSC WH'o DEFENDAl'r SHOUl [) NOT BE
lHID IN (I'" TEMPT
copies of the emails are attached hereto as Exhibit1\D and incorporated herein by rd~:rcnce.
2 14. On October 19, 2007, Zernik called me and asked who was representi ng:
3 Country'N1de. I responded that Countrywide was reprc:sented by Bryan ewe and to d.teet aU
4 communications to counsel as required by the Court Order.
5 15. On January 1;~, 2008, Zemik. emaHed Sandor Samuds, referring to Judge Terry
6 B. Friedman as Samuels' "frend," and alleged that Countrywide had supp~icd Zernik with
7 "fraudulent documents." Zemik cl:u:ned that the documents in the loan file Country,,;;;de
8 produced was "the product .)f a fax/wire scheme." A true and correct coPy of tbe etr,ail is
9 attached hereto as Exhibit.A E and incorporated hereir by reference.
10 I declare under penalty of pet jury under the laws of the State of Cali Fomia th:H (he

<D
<XI 12 Executed this 17th day of J~;j)uary, 2008, at Cahbasas. Califo?)ia.
M
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28 SMOllX>CS657433.7 29
-(;OUNTRYWlDE'S MOTlOI' :'0 ~f()KCE--I)jmrEcn'yE
ORIIER AND FOR SANCTIONS AND FOR A DKLARATJoN
.AND FOR A.N OSC WHY DHEI\DANT SHot LD NOT Il E
HELD iN :~ONTEMl'T
8 SUPERIOR COURT OF THE STATE OF CALIFClRN1/\
9 FOR THE COUNTY or LOS ANGELES, WEST DISTRICT

10
NIVIE SAMAAN, et aI., ) Cas·: No.: SCOH7400
11 )
Plaintiffs, ) HOll. Jacqueline 1\. C( 'llflor
12
)
13 VS. ) IPR~)POSEDI ORDLR GRAl'fl II'-JC;
) CO JNTRYWIDL~'S ivlOTION . :OR /'.
15 JOSEPH ZERNIK, et aI., ) PROTECTIVE ORDI·:R
]6 )
Defendants. ) lFikd concurrently Wilh Nutice of Motion
17 ) and Motion; Mernorat II:lUI1l Of Points and
l\uthoriti,~s; Declarati('1l Of Todd ii. Boock;
) r:>cclaration {)f John \X'. j\mbcrgJ
18 )
19 ) Dati~:July 23,2007
) Time: 9:00 a.m.
20 ) Dept: WEI
2] --,)
22
Countrywide Home Loans. Inc.'s CCounuywide'') Motion for a Protective Order (th
23
"Motion") came before the Honorable Jacgueline A. Connor in Dcpannent WEI of the Los
24
Angeles Superior Court, West DIstrict, on July 23, 2007.
25
Having read and considered the Motion and :tll papers submitted in supp"rt Ihereof
26
and in opposition thereto, a:1d having heard and comidered the argument of coumel, and
27
good cause appearing,
28
SMOJDOCS\64400J.I
[PROPOSED] ORDER
THE COURT ORDERS THAT:

2 1. Countrywille's MOrlon for a Protective Order is GRA>JTED; and
3 2. Defendant Joseph Zernik is dltected to communicate solely with
4 Countrywide's designated counsel a,d no other Conwrywide officers Ot
5 employees regarding the present actIon.
7 Dated:
8 Han. Jacqucline .A.. Connor
Judge, Superior Court of Calif()lllja
9
Prepared and submitted by:
10
I] Sanford Shatz (Ct\ State Bar No. 127229)

Todd A. Boock (CA State Bar Nfl. 181933)
12
5220 Las Virgencs Road, \1S: A.Cll
13 Calabasas, California 91302
Telephone: (818) 871-60(j2
15 Facsimile: (818) 871-4669
16
BRYAN CAVELLP
17 John W. l\mberg (CA Stare Bar No. 108166)
Keith D. Klein (eA State Bar No. 184846)
18 Jenna Moklawky (eA State Bar No. 24(109)
120 Rroadway, Suite 300
Santa Monica, California ~I0401-2386
19
Telephone: (310) 576-2100
20 FacslITlilc: (310) 576-2200
21
Attorneys for Countrywid:: Horne Loans, Inc.
22
23
24
25
26
27
28
SM(lIOOCS\(M()()l.!
_~ ~_~ __ ~ . 2
[PROPOSED] ORDER
TENTA11VE RULINGS
SAMAAN v ZERNIK
PROTECTIVE ORDER and MOTION TO EXPUNGE US PENDIS
JULY 23, 2007
The motion of defendant Joserh Zemik to expunge lis pendens is DENIED. Defendant
has failed to establish that the Court's previous ruling on ;~ovember 9,2006 was based cr
fraudulent or false evidence pr~sented by plaintiff. Defendant has also failed to show thaI
the lis pendens was not proper] y served. Counsel f()T plai:1tiff is ordered to give notice of
this ruling.
The motion of non-party Countrywide Home Loans for a protective order is \.JIRANTED.
Defendant Joseph Zemik is directed to communicate sole:y with Countrywid,~'s
designated counsel, Todd A. Boock, and no other officers or employees regaxdling lhe
present action. The proposed order is signed and ejfectiv,~ as of this date. C< 11HlSC I lor
Countrywide is ordered to give notice of this ruling.
In this case, defendant moves to expunge the lis pendens arguing that plaintiff cannot
estahlish the probable validity Df her claims. ZERNIK as;erts that plaintiff f•.ded to
timely remove the appraisal contingency which ga\'c him the right to cancel the escrow.
He further argues that plaintiff's opposition to the prior motion to expunge W.l$ based on
fraudulent arguments and documents. However, the declmatiolls and evidence provided
by plaintiff continue to raise a :J.uestion as to whether ZEENIK had suhmitteo a fully
executed copy of the Purchase Agreement to Mara Escrow as of October 22, 2004. The
documents submitted by defen:lant simply do not establis:1 that plaintitfhas engaged! in
any rraud or failed to properly serve the lis pendens on him. Again, there are 1too lIlany
factual issues that cannot be decided here, includin!~ whet 1cr SAMAAN was "ready.,
willing and able" to proceed with the purchase of the prorerty. Therefore, thl~ motion to
expunge lis pendens is DENIED.
COUNTRYWIDE seeks a narrowly tailored protective odcr requiring that ZERNIK

direct all future communications to COUNTRYWIDE's designated counsel and
precluding him from directly phoning, e-mailing or otherwise contacting its r'~prese:nted
officers and employees. FiTst, the motion is properly sUPIiOrted by the declarations of in·
house counsel Todd A. Boock and attorney ofrecOId lOhrl W. Amberg, which set forth
first-hand experiences with and actions taken in response to ZERNIK's conduct towards
COlJNTRYWIDE. Second, the Court finds that COUNTRYWIDE has shov,n "good
cause" for the protective order sought. ZERNIK has faile:! to establish the validity of hi:;
communications with COUNTRYWIDE's officers and er.lployees. IfCOlThTRYWIDE
has failed to comply with a dis,:overy obligation, ZERNn~'s recourse is to file a
discovery motion with the Court. Any assertion that COlfNTRYWIDE is somehow
involved in wrongdoing is not ropponed by anything other than hearsay and conjecture.
Moreover, since ZERNIK is representing himself in this action, his assertion that
COUNTRYWIDE is improper:.y applying attorney standards to Jllrn is not weB taken. A
litigant appearing in propria persona is generally held tc the same restrictive IUle~; and
procedures as an attorney. tt.e rules of civil pr()C{:dure nust apply equall y to parties
represented by counsel and those who forgo attorney representation; such a party is to Je
treated like any other party and is entitled to the same, t ut no greater consideration tha1
other litigants and attorneys. (Rappleyea v. Campbell (1994) 8 Cal.4th 975. 984-985~ :;ee
Barton v. New United Motor Mfg. (1996) 43 Cal.App.4th 1200, 1210.)
COUNTRYWIDE has a right to be protected from unwarranted annoyance,

embarrassment or oppression. Since the protective order sought simply directs ZERN1)(
to communicate with COUNTRYWIDE's designated! counsel, there is DothHlg to show
any infringement on ZERNIK's free speech or other ,ig;lts.
(f
SUPERIOR COURT OF CALIFORNIA, COUNTY OF lOS ANGELES
DATE: 07/23/07 DEPT. vr::I

HONORABLE JACQUELINE A. CONNOR. JlJDGE V. JAIME DEPUTY CLERK
HONOR!\BLE IUDGE PRO TEM ELEcmONIC RECOHllNG Mm; ITOR

#13
B. VARGAS CA [leputr Sbtcriff v. HARH I S CSRlt2097
=========:::==:=
8 :30 am SC087400 l'l.inliff
Counsd NOE KESHAVARZI (X)
NIVIE SANMN
VS lkicn:U:nt
JOSEPH ZERNIK CO<1lI5MBERG (X)

CCP 170.6 - JUDGE NEIDORF
--=:::::====::=z;;=:=:=
NATURE 01-' PROCEEDINGS:
DEFENDANT (JOSEPH ZERNIK) HOTION TO I;:XPUNGE LIS

PENDENS;
MOVING PARTY (COUNTRnIIDE) MOTION FOR PRC,TECTIVE
ORDER;
Matter is called to~ !~aYing.
All parties acknowled~"e receipt of the Court's

tent.ative ruling and ~ubmit. on the centative ruling.
The motion of detendar.t Jo!::eph Zernik to expunge lis
pendens is DENTED. Defendant has failed to
establish that th~ Court's previous ruling on
November 9, 2006 wa:J cased on fraudulent or false
evidence presenled by plaint.iff. Defendant has also
failed to show that the lis pendens .las not properly
served. Counsel for plaintiff is ordered to give
notice at this ruling.
The motion of non-part:Y,Countrywide Home :Loans for a

prot:ective order is G~~.. Defendant Joseph
Zernik is directed to'(fOmfutinicate solely '/\lith
Countrywide's designated,counsel, Todd A. Boock, and
no other officers or employees regardin'3 "the present
action. The proposed Jrder is signed and effective
as of this date." Counsel for Countrywide is ord;red
to give notice of this ruling.
~
_.,-----_._--'-]
MINUTES KNTEREO
1 of 4 DBPT. WEI 0'7/23/07
COUNTY CL SlUt
---------------_..-
SUPERIOR COURT OF CALIFORNIA, GOUr~TY OF LOS ANGELES
DATE: 07! 2 3/ 0 7 DEPT. ·..rEI
HONORABLE. JACQUELINE A. CONNOR JUDGE V. JA [ME [·EI'UT\" CLEP.K
IIONORABlE JUDGE PRO TEM ELfcmONIC REClW.Dlt"G !-tOr.:rroR

#13
B. VARGAS CA IXpJCy Skri J. HARR I S CSll#2097
=====:;r================d'===~=======r~:"===:",==='=
8:30 am SC087400 Plaintiff
O><JDse! HOE KESHAVARZI (Xl
NIVIE SAMAAN
VS DefroJani
JOSEPH ZERNIK Coun,~ SENNA MOLDAWSK" (xi
CCP 170. 6 - JUDGE NE::DORF

===.===;:=========.=
NATURE OF PROCEEDINGS:
In this case, defendant moves to expunge the lis

pendens arguing that plaintiff cannot establish the
probable validity of her claims. Z.ERKIi< asserts
that plaintiff failed to timely remove the appraisal
contingency vlhich gave him the right. to cancel the
escrow. He further crgues that plaintiff's
opposition to the prior motion to expunge was based
on [Idudulent argumer ts and documenl:s. However, the
declarat.ions and evicence provided by plaintiff
continue to raise a Guestion as to whether ZERNIK
had submitted a fully executed copy of t.he Purchase
Agreement to Mara Escrow as of October 22, 2004.
The documents submit.ted by defendant simply do not
est.ablish that plaintiff has engaged in any fraud or
failed to properly serve the lis pendens on him.
Again, the:r-e are too rr..any factual issues that cannot..
be decided here, including whether 8AMAA'l was
6ready, wi 11 ing and ableo to proceed wiLl the
purchase of the property. Therefore, tho~ motien [,0
COUNTRYWIDE seeks a n:lrrowly tailored protective
order requiring that ZERNIK direct 8.11 future
communications to COlT.'lTRYWIDE I 5 designatf~d counsel
and p:recluding him from directly phoning. e-rnailing
or otherwise contacti::lg its represented officer;s and
employees. First, th= motion is prc'perl~, supported
by the declarations oE in-house counsel ~~odd A.
Boock and attorney of record John w. A~~rg, which
set forth first-hand experiences with and actions
Laken in response to :~8RNrK ' 8 conduct tO~iards
---·------·-l
lUNUTES :1':N1'ERED
:2 of 4 DEPT. WEI
C 07/23/07
COUNTY CI,ERK
- -~~._----~_._----.-,--
SUPERIOR COURT OF CALIFORNIA, GOUNTY OF lOS ANGELES
DATE: 07/23/07 I>EPT. \.,EI
HONORABLE JACQUELINE A. CONNOR JUDGE V. JATMI: [IErtrry CLERK
HONORABLE JUDGE I?HO TEM ELEel'RONle REO) ~.Dl='G MI.lNITOR

#13
B. VARGAS CA Deptl!)' S!l(riff J. HA.RRJ S CSR#2097
8:30 am SC087100 PI1intill
Counsd NOE KESHAVARZJ (X)
NIVIE SAMAAN
VS Defeoc~1lt
JOSEPH ZERNIK Coonsd JENNA ~10LDAWSKv (X~
JOHN W. AMB2RG (X)

====_. ""':=0:::=
NATIJRF. OF PROCEEDINGS:
COUNTRYWIDE. Second, the Court finds that

COUNTRYWIDE has shown "good cause" for the
protective order souCiht. ZERNIK has failed to
establish the validity of his communications wh.h
COUNTRYWIDE's officers and employees. If
COUNTRYWIDE has failE:d to comply with a discovE'ry
obligation, ZERNIK's recourse is to file a discovery
motion with the Court. Any assertion that
COUNTRYWIDE is somehe·\.,. imrolved in \\'Tongdoing is not
supported by anythin<:: other than hearsay and
conjecture. Moreover, :~ince ZERNIK is represer,tinq
himself in this actic'n, his assertion that
COUNTRYWIDE is improrerly applying attorney
standards to him is r.ot well taken. A litiganl
appearing in propria persona is generally held tb
the same restrictive :r-ule~ and procedures as an
att_orney. the rul>:~s of civil procedure must a!=ply
equally to parties represented by counsel and those
who forgo attorney representation; ~mch a party is
to be treated like any other party and is entitled
to the same, but no greater considel:ation than other
litigants and attorneys. (Rappleye<1 v. Campbell
(1994) 8 Cal.4th 975, 984-985; see Barton v. New
United Motor Mfg. (1996) 43 Cal.App.4th 1200, 1210.}
COUNTRYWIDE has a right to be protected from

unwarranted annoyance, €mbarrassment. o:r oppress ion.
Since the protective order sought simply directs
ZERNIK to communicate with COUNTRYWIDE's designated
counsel, there is nothing to show any inEringement
on ZERNIK S free speech o:r other ri9hts.
I
[
~~-[NTY.-r-E-S-~~~mFJ'
Pa~e 3 of 4 DE:?T. WEI 07/23/07
COUNTY CI,ERK
-------=---- - -- .
SUPERIOR COURT OF CAUFORNIA, COUNTY OF LOS ANGELES
DATE: 07/23/07
HONORABLE JACQUELINE A. CONNOR JUDGE V. ,JAIME !)El'UTY(~
HONORABLE JIDXJE PROTEM r:LECTROl\lC RECOPDIKG MONITOR

#13
B. VARGAS Cp.. ~IY Sheri J. HARR IS CSF~#2097
======_._----==:===:=
8:30 am SC087400 PWD!iff
Cooll$Cl MOE KESHAVARZI (xi
NIVIE SAMAAN
vs Defend.nr
JOSEPH ZERNIK Couns<1 JENNA MOl,DAHSK) (X)
JOHN W. AMBERG (X)
ecl' 170.6 - JlIDGE NElOORF
======::-----::==:===:=
Defendant requests for ruling on Evidentry

Objections.
The Court declines to rule on the Evidentry
Objections. The Court rinds the Evidentry
Objections are not properly filed pursuan to Rules
of Court 3.13.54.
Counsel for Plaintiff is crdered to give notice_
Pase 4 of <1 DEPT _ \'11::1

[ --------,,
-~(INUTES
07/23/07
l:Frlrum
COUNTY CJ:'E RK
-----------.---_.. -
. --_._-------- --------------_._-~
1 SUPER::OR COURT. OF THE STATE OF CALIF:)RNlh

4 DEPARTMENT WE-I HON. JACQUELINE A. CONNOR, JUDGE

5 NIVIE SAMAAN,
6 PLAINTIFF,
CASE
7 VS. tJO. SC!H174 J-:)
8 JOSEPH ZERNIK,
9 DEFENDANT.
10 ---------------_.
11 REPORTER' S ~'RANSCRIPT OF PROCEEDINGS

MONDAY, JULY 21, 2007
12
13 APPEARANCES:
14 FOR THE PLAINTIFF: SHEPPARD MlLLEN R r CHTER & HJJVII'TON,

LLP
1S BY: MOE KESHAVARZr, ESC.
33 3 SOUTH HO PE STREET, 4 HTIl FLOOR
16 LOS P.NGELES, CAIJI=;-ORNTA 'Jown- 1448
:213) 620-1780
17
18 FOR THE DEFENDANT BRYAN CAVE, LLP

COUNTRYWIDE Horm LOANS, BY: JOHN W. AMBERG, ESQ.
19 INC _ : AND
JENNA MOLDAWS I~ I, ESQ.
20 120 BROADWAY, SUI'(,(~ 300
SANTA MONICA, CA <10401-23%
21 (310) 576-2280
22 FOR DEFENDANT i;ERNIK: JOSEPH ZERNIK,

IN PROPRIA PERSONA
23 320 SOUTH PECK DRhTE
EEVERLY HILLS, CA :10212
24 (310) 435-9107
25 ALSO PRESENT: ZACHARY SHO~E
26
27 JUDIT HARRI:~. CSR JJ2097
28 ~DPY OFFICIAL REPORTER
--------------_._------
1
----._--------,----
CASE NUMBER: SC08740C

2 CASE NAME: NIVIE SI.MAAN V~:.
3 JOSEPH ZERNIK
4 SANTA MONICA, C~.LIFORNIA MONDAY, JULY 23, 2007
5 DEPARTMENT \'lE- I HON. JACQUELINE A. CONNOR,

6 JUDGE
7 REPORTER: JUDIT HARRIS, O::SR #2097
8 TIME: A.M. SESSION
9
10 THE COURT: SAMAAN VS. ZERNIK.

11 GOOD MORNING. vofHO IS HERE?
17. MR. KESHAVARZI: MOE KESHAVI\RZI FOR NIVIE SlI1'1AAN.
13 MR. N1BERG: JOHN J;MBEF~G ON BEHALF OF COUNT~YWIDE
14 HOME LOANS.
IS MR. ZERNIK: JOSEPH ZEFNIK IN PRO PER.
IE> THE COURT: OKAY. G1WE OUT THE ... I ,"\.1'1 SOPRY,
17 MR. AMBERG. IS THAT YOU;'
18 MR. NIB ERG : THAT' S COf;~RECT.
19 THE COURT: WHO IS ZACEARY SHORE?
20 MR. SHORE: I WAS HERE ON WHAT I THOUGHT W!I.:' AN EX
21 PARTE GOING FOR\~ARD JUST IN THE EVENT THAT I \"1AS NEEDED
22 FOR THAT. I AM NOT NEEDED TO APPEAR.
23 THE COURT: IS THEEE A1\r EX PARTE?
24 MR. SHORE: MR_ KESHAVPRZI HAS INFORYIED ME IT Ie

.....
25 NOT GOING FORWAJW TODAY.

26 THE COURT: BACKUP PLA1\r.
27 MR. K.E:SHAVARZI: IT IS FOR A DEPOSr:'ION THHI' YOU
ORDERED FOR DR. ZERNIK'S DEPCSITION.
._-_.-_._---
2
---_._----------
L THE COURT : OKAY. LET ME DEAL WITH r-1R. AME ERG I S
2 FIRST MOTION FOR PROTECTIVE ORDER. THE lENTA,TIVE IS TO
3 GRANT.
4 MR. AMBERG: WE SUBMIT ON THE TENTAT1VE.
5 THE CJURT: MR. ZERNIK, YOU HANT TO BE TREl\.TEm '~HE
6 SAME AS 1l.NY LAWYER. YOU ARE REQUIHED TO SIMPLY
7 COMMUNICATE ONLY WITH CORP()R.~TE COUNSEL. THAT IS IT.
8 MR. ZERNIK: YOUR :~ONOR, I WOULD LIKE TO SUBMTT ON
9 THE TENTATIVE.
10 THE COURT: OKAY.
11 MR. Z::RNIK: THANK YOU.

~,
1 L. THE COURT: IT IS GRANTED. THANK YC)1j , SIR.
13 MR. AMBERG, YOU WILL GIVE NOTICE ON IT.
14 MR. AJ"1BERG: WE WILL.
THE COURT: OKAY. THAT TAKES CARE -- . YOU.
16 THE LIS PENDENS WAS MR. ZERNIK'S. YOm~
17 MOTION, I I-L\VE I, TENTATIVE ALSO. DO YOU ti/\NT TO BE
18 HEARD?
19 MR. ZERNH:: I WOULD LIKE TO SUBMIT ON THE
20 TENTATIVE.
21 I WOULD LIKE TO REQUE~:T THAT THE COURT RLILE
22 ON EVIDENTIARY OBJECTIONS 1.. .'1' THE COURT' S ~:ONVE~NIENCE:,
23 BUT IN SUFFECIENT TIME PRIOR TO HEJ~ING.
24 THE COURT: ARE THE OB,JECTIONS IN HERE? ARE THEY
25 IN PROPER FORM?
26 I [-':AVE GOT SUCH A STACK OF W:TIOW; ltImE
27 THAT I CAN'T
28 MR. ZERNIK: I BELIEVE THEY ARE IN PROPE:R FJRJIII
_._------_._---
..... '---
.
""~.
.
3
----._-------_._---
1 ALSO.
2 THE COURT: ARE THEY?
3 MR. :~ERNI K : WE AJ:"SO HEQUEST
4 THE COURT: GO AHEAD.
5 MR. ZERNIK: THAT YOU RillE ON THE BOND rSSUE
6 THAT WAS REQUESTED BY DEFENDANT AND WAS NEVEJ~ OPPOSED BY
7 PLAINT1FF.
8 THE COURT: I DON'T HAVE THAT IN FHONT OF ritE. IS
9 THAT IN FRONT OF ME?
10 MR. ZERNIK: IT IS IN THE MOTTON TO EXPUNGE LIS
11 PENDENS REQUESTED BY DEFENDANT ~- THAT 1~; rJ[F. IN PRO
12 PER ~ - THAT PLAINTIFF POST A. Bmw N'HICH 1 S REQUIF~ED I:'1
13 THAT SITUATION. AND THEY NEVER OPP'JSED IT.
14 MR. KESHAVAR7:T: fllAY I. YOUR HONOR,
15 TIlE COURT: YES.
16 MR. KESHAVARZI: THAT IS NOT ACCURP.::~E. WE OPP(XJED
17 THE MOTION IN ITS ENTIRETY, INCLUD[NG THE:. BOND PC'RT::cm
18 OF IT.
19 THE COURT: THAT IS MY UNDERSTANDIM'.
20 MR. KESHAVARZI: THERE IS NO BASIS 'FOR PLAINTIF::~
21 TO POST l~ BOND HERE.
22 THE COURT: NO, I DON'T SEE :[T EITHER, MR. ZERN:K.

23 THE: MOTION TO EXPUNGE IS DENIED. THERE' ~;
24 JUST TOO MUCH IN CONFLICT HERE.
AS TO THE BOND I I NEED TO GO THROUGH MfI)

26 FIND THE OBJECTIONS, AND I Al"1 ASSmUNG THEY ARE IN
27 PROPER ORDER. :'1' ALLOWS ME TO FIND THEM.
MR. KESHAVARZI: I BELIEVE THERE ARE TWO SETS OF
"----------,---
4
----._--------_._-~~
1 OBJECTIONS, YOUR HONOR. THERE WAS A SET FILED BY
2 PLAINTIFF WITH O:JR OPPOSITION __
3 THE CC'URT; I HAVE TO G8 THROUGH MY ~mOLE S~~AC~.
4 I WAS FOCUSING ON MOTIONS. I WILL TAKE CPJ(E OF'
5 OBJECTIONS.
6 WHAT IS YOUR NEXT STEP,) WHERE AF3 WE Nm'J?
7 THE MOTION F'OR P:WTECTIVE ORDER IS GFANTED.

8 YOU WILL GIVE NOTICE.
9 MR. AMBERG: WE WILL.
10 THE COURT: THE MOTION TO EXPUNGE LIS PENDENS IS

11 DENIED.
12 YOU WILL GIVE NOTICE.
13 MR. KESHAVI.RZI: I I'JILL GIVE NOTICE.
14 THE COJRT: WHAT IS THE NEXT ~TEP'? IJi-lAT ARE WE
IS DOING?
16 MR. KE.SHAV1'.RZI: WE AEE BEFORE YOU 0\1 AU::;UST '),
17 TWO MOTIONS; PLAI NTTFF' S rmTION FOR SUMMAR)' JUDGMENT AND
18 DR. ZERNIK'S MOTION FOR LEAVE TO AMEND THE ('OMPLATWi TO
19 ADD SEVERAL NEW PARTIES AND NEW CLAIMS.
20 THE COURT: WE ARE ALL ~;ET FOR AUGUST 9.
21 MR. ZERNIK: BUT I SUBMITTED TODAY TO PL"'UN':~IFF l'.N
22 EX PARTE, WH [CH IS ABOUT THE HEARING OF TI·m LEAVE ro
23 AMEND AND AMEND, AND I AM REQUESTING TOMOHFOW MORN INC
24 EITHER TO SHORTEN NOTICE BASICALLY TO REVERSE THE JRDEF:
25 BACK TO ITS ORIGINAL
26 THE COURT: IF I DON'T EAVE SOMETHING IN FRO'IT OF
27 ME, I DON'T nEED TO HEAR J,BOUT IT.
28 MR. ZERNIK: WE HAVE SCHEDULED
--------_._----
5
- - - ------._ - ..
1 THE CCURT: WHATEVER YO:] HAVE. I F SOMETHING 1;3 ,)N
2 CALENDAR, I WILL TAKE A LOOK AT IT. I JUS'~~ NEED TO READ
3 IT AT THIS POINT.
4 EACH OF THE i\PPROPRIATE Pll.RTIE~; ~TILL GIVE
5 NOTICE OF THE RULINGS, AND I \I'1ILL LOOK FORHl\RD TO SEEING
6 yOU.
7 MR. KESHAV1\RZI: I ·NII.lL DO SO
8 MR. ZERNIK: THANK YOU, YOUR HONOR.
9 THE COURT: THANK YOU, COUNSEl,.
10 (PROCEED INGS CONCLUDED AT 9: 3 ':> A. M. )
11
12
13
14
]5
16
17
18
19
20
21
22
23
24
25
26
27
28
.---_._---- -----_._---------_._-----..,
1 SUPERIOR COURT OF THE :::TATE CF CALI t'ORNIA
2 FOR THE COUNTY OF LOS ANGEL.ES
4 DEPARTMENT vrE- I HON. JACQUELINE A. CONNOR, JUDGE
5 NIVIE SAMAAN,
6 PLAINTIFF,
CASE
7 VS. NO. ~)~:087400
8 JOSEPH ZERNIK,
REPOHTER'S
9 DEFENDANT. CERT:: F ICi\TE
-------------_._--------
10
11
U I, JUDIT HARRIS, OFF] CI I\L COURT REPC>HTER OF THE
1.3 SUPERIOR COURT OF THE STATE Or CALIFORNIA, FOR THI~ ':::'::UNTY OF
14 LOS ANGELES, DO HEREBY CERTIF'{ THAT THE FClHEGOING f'.lI"G~S 1
l'~ THROUGH S, fNCLUSIVE, COMPRISE A TRUE AND CORRECT
16 TRANSCRIPT OF THE PROCEEDINGS HELD TN THE ABOVE-FNTITL8D
17 MATTER ON MONDAY, JULY 23, 20J7.
113 DATED THIS 6TH DAY OF AUGUST, 2007.
1 'J
20
21
22
23
24
25
26
27
28
--------------------_._---
-
Oct 2, 2007
Att Moldawsky
Att Amberg
BRYAN CAVE LLP
Ms Moldawsky and Mr Amberg:
On Sept 10,2007, in pro per, I served Judgt: Connor with filing per CCP s 170.~ •. The cia 11\15 listed th ,'re ~'mounted
to wilful misconduct, subversion of Justice, and fraud and deceit. Much of it was about the treatmenl of
Countrywide and Bryan Cave J.r.r attorney~; in COllrt, in violation of due rroces:; of the la'.
Connor look off for over an hour to her chanmbers, then announn:r1lhat she ",as nol adll11tlUlg any r,f my claims,
but recusing herself on her own lnotJon per CCP s 170.3(c)(2). Given the Jlaturl~ of the cl:llms, (oono\ re~ponse
was shon of a reasonable effort by a judge 1:0 defend her integrity, wh,~n confronted with c1aum of vl'nal, criminal
corruption.
One of the problems left in the :JflC'nnath, i~ a corrupt court file. One of the claims W:1S tl ':, ( Connor dehbeJa~dy
created a court file that would not disclose the scope of the involvement of Countrywide in this jitJgatl:>n. 1\t times
attorneys for Countrywide were listed iin Minute Orders as attorneys for phintif:', other tJnws
- as attorneys for defendant, but hardly if ever as attomeys for Countrywide. I am trymg to fix that no')/. and I am
writing to ask for your help, to make sure tIut the record IS set right.
What do you consider 10 be the correct tcrm for Countrywide in tllis liligation? Non-Party" Jnterven()J"? OtJ-,cr;)
Please forward to me the following:
1) Jjscing of any and all names of attomeys who p:lrticipated in this litigation on behalf of I. :()unt~y\v:id(
2) Listing of all filings entered by Countrywide in thIS litigation
3) Listing of any and all ex parte conunuruca;jons t.hat led to the mitial ex parte appearance IrI court and allowed the
unusual scheduling, and listing of that appear:mce
4) Listing of any and all ex pane communications that lIlay have been transrnittccllater in litig:ltion
5) Listing of any and all appear 1 court with date and name -of atton.
Joseph Zernik
Defendant and Cross-Coplainanl
in pro per!
2
Moldawsky, Jenna L.
----~_:.....----------------------------_._--
From: Amberg, John W.
Sent: Tuesday, October 02,20079:17 PM
To: 'joseph zernik'
Subject: RE: Samaan v Zern\k
Dr. Zernik,
We decline to get fmUlcr IIlvolvcd in this matter. 1 am sorry, but I Clnnot help you.
John W. Amberg ,;
-----Origmal Me;sage-----
From: joseph zcmik [mailto:jzI2:H5@earthlink.nct]
Sent: Tuesday, October 02, 2007 5:57 AM
To: Moldawsky, lenna L; Amberg, John W.
Subject: Samaall v Znmk
Oct 16, 2007
Todd Boock
Sandy Shatz
Sandor Samuels
LEGAL DEPARTMENT
COUNTRYWIDE

INTERNAL AUDIT COMMmEE
COUNTRYWIDE
Jenna Moldawsky
John Amberg
BRYAN CAVE LLP
RE: Samaan II lemik, SC087400

A. Demand for notice regarding your counsel 01 record
B. Your immediate response regarding folowi1!} questions:
I. How did the ex parte applicalior, for a gag order againsl me, on JIJIy 9,2007. ,:ome 10 be scheduk~d in Court
outside the realm of the law?
II. What was Countrywide's standil1g in Sarnaan v Zemik at that lime?
III. What is Countrywide's standing in Samaan v Zemik today?
N. Were the fraudulent claims in letter and declarations of Maria Md..aurin, San Hafael Branch Manager, sutllTlrtled
10 court in Samaan v Zemik, reviewed and approved by countrywde prior to their submission?
V. Does countrywide today stand behind the fraudulent claims in these declarations, or would countrywide in'ilr\Jct
Maria McLaurin to withdraw sue 1 fraudulent declarations made under Countrywide's namE'!'
VI. Did countrywide bribe. or promi~ed futum moneys (or similar) to any judicial oHieer or COlll1 l;taff in conjul1(:noll
with Samaan v Zemik? did countrywide otherwise engage' in obslluction of justice?
VII. Did Countrywide sponsor directtr or indirectly Samaan's legal sen.ices, e.g., b~1 Sheppard Melilln, in this lil~l21tlQ"?
VIJI. During discovery in Samaan v Zemik, Countrywide claimed that it had no Internal Audit Report, or anyolher
report regarding Sarnaan's loan appllC<lljons. where adulteration of banking dcoeurnenls is ohvious. Later, e.g. 111 a
letter to a certain Rabbi, it claimEod ()ther~~se. Would Countrywide immediate~1 release its Inlemal Audit I~"p()rt:>
and any other reports it has for ~;amaan'~; loan applications, where multiple levels of fraud are evidenced"
Counsels'
On July 9, 2007, and else, I received from Bryan Cave, LLP, threat'ilning 1e11ers, with demands to cease and desist,
dliming thaI aU communications ....ilh COUllllywide' must be conducted through 'nem and through them alor ~~.
On July !~, 2007, Countrywide. out of compliance with the law, but with full cooperation (If the corrupt Judge Connm LA
Superior Court. appeared ex parte to seeI: a wide range of restrictio,)S on my free speech. The papE!rs filed irl
Court were incflC3tive of personal irvolvement of sandor Samuels in this matter.
Qn July 12. 2007, I served the corrupt Judge ConrlQr with filings to ,flSQualify her pursuant to CCP 1'1() 3. She de.:;(:itfuUy
dedared them a filing pursuant to GCP 170.6 (peremptory stnKe), therefore untimely! She then went on with
business as usual! The claims. arrounting to corruption ofltle Court, hinged largely on the fiber\)' shE' alklwe-l
Countrywide in court, out of compliance wittl the law, and in total disrl~ard of my ConstiMi0n3l rl<]hts
On July n, 2007, Countrywide again apP'~red in Court, and sought again a gag Ofder, this time /TlOfl~ hmiled in so:ope -
that I may not cornmunicale with a:)y Coun1ryviode emptoyee~. on." with Countrywide Counsel:; - Bryan Ca~'f. LIP
On Sept 10, 2007, 1again served the cormpt Jud!~~ Gonf)()( with filing to disqualify her, pursuant to CCP 170.3. Ar»:1
again, the latitude that she allowed :ountryvroe in Samaan ~. Zemik, out of compliance with !tt«! laIN, and in
disregard of my Constitutional right~;, was a central claim in the filing. Connor t()()l( over an ho'Jf to review the 1i1ing.
anj then announced !hat she did not admit any of the claims, but recused her selF.
On Odotoer B, 2007, I submitted a complaint to the Judidal Councif of Califcmia, tilled: Eleyond Financial - CJunlfywi:fe
and ComJption of the Court inr-,L~A'.-. .
• PagE~ 2 October 16.2007
On October 10, 2007, just a few days ~IO, the C::lurt (Department 0, JUdqe SegaQ in the Minute (lrjH, also ~sled Bryan
Cave, lLP as Counsel for IntervellorC.ounlrywide.
On October 15, 2007, while serving Jud~~ &.-gal for his disqualif1C3tion, pllrsuant to CCP 170.3, I asl<:ed ttB Judicnl
Assistant (Clerk) Alma Mora about the addressee list in the Minute Order of OdJber 10,2007 She Hxplair'\,d to rnu
that as long as no substitution documents were received in GOUlt, Bryan Cave and others, listed as address~~e::;,
were all held as Counsels of Record.
QIl.Ql:;!.Qber 2,2007, in response 10 my inquiry, se-nt only the foDowing:
·We decline 10 get further involved in this lTiatter. I am sorry but I wnnol help you·
After that Bryan Cave entirely stopped re~;ponding Neither did I gel a msponse from Todd Boock.
Please respond no laler than Friday, October 19,2007, at 5:00pm,
If Countrywide needs additional time for (; good fuJ\h internal nvest,galion. please let m~ know.
Joseph Zemik
• Counlf)"Nide here denotes CFC, Inc, an,j a' Its affiliates and subs.diaries, jointly andlor severally
CC:
Presiding Judge Czuleger,

lA Supelior Court
Commission on Judicial Performance
Paul MailJgagio, Managing Partner

Sheppard, MuRin, los Angeles
Moldawsky, Jenna L.
,;,;,;";";,,;,;,;,~~~_,:,,,,,_---------,--------------,------'-_
.._---l
Sent: Tuesday, October 16, 20076:32 PM
To: 'jOseph zernik'
Subject: RE: TIME IS OF THE ESSENCE. RE: Samaan v Zernik
Dr. Zemik,
Your emailed letter dated October 16, 2007 and addressed to Sandor Samuels ar. d Angelo Mozilo IS 1 ·vi( ,Lujon of
the Superior Court's protective order daled .'uly 23, 2007 which ordered you to communiute soldy wilh
Countrywide's designated counsel, either Todd Boock and Sandy Shatz of Coufi'l)'wide's k;!;al dcparunclIl or Bryan
Cave LLP. The Court's Order was effectiv(: immediately, and remains in effect. By email to you on OClo::}er 15,
2007 at 1: 19 p.m., I confirmed that our law J1rm continues to represent Countrywide, its suhsldi:uies, and its
employees, so there was no question that Country,vide and its employees arc represented hj' (:ounscl.
The terms of the protective order are clear and unequivocal. You arc not tIl communicatc with the cfliccr:; I)"
employees of Countrywide, and are to confIne YOlU communications to designakd counsel. ·lulS email stl2.11 serve
as written notice that if you violate the Court's Order again, we will seek aU avaibble remedies againsl yotl induding
monetary sanctions and contempt.
John W. Amberg
-----Original Message-----
from: joseph zemik Imaillo:jz1234S@carthlink.nct]
Sent Tuesday, October 16, 2007 7:49 AM
To: Amberg, John W.; Moldawsky, Jcnna L.; Todd_Boock@Counrrywlde.Col11;
sandof_samuels@countrywide.com; sandy_shatz@}:ountrywidc.com; angcl<)_ll1ozI!U((l)UlU 11Ilywidc.c.) til
Cc: Paul Malingagio
Subject TIME IS OF TH E ESSENCE. RE: Samaan v Zernik
Please see enclosed.
RESPONSE REQUESTED I3Y FRIDAY, OCT 19, 2007, 5:00PM

T
_.
-----------------------------_.._------------

From: joseph zernik <jz12345@earthlink.net>
To: Ambcrg,]ohn W.
Sent: Fri Oct 19 15:51:41 2007
Subject: RE: TIMl'. IS OF THE ESSENCE. RE: Samaan v Zemik
October 19, 2007
Mr Amberg:
lbanks for your response, whIch I did not previously notice.
Given thai you are sti]] representing CoulltI)wide, r am a

bit puzzled by your previous response. Ple~se provide a listing of
aU filings you made in Samaan v Zernik, and the names of the
attorneys and their (htcs of appearance in ccurt. Such is necessary
since Judge Connor deliherately corrupted the records of tlus litigation.
Joseph Zcrnik
AtOl:18PM 10/15/2007, you wrote:

> Dr. Zcrnik,
>
>Our law finn continues to represent Countrywide., its subsidiaries, and
> employees. There has been no change in status.
>
>John W. Amberg
>
> -----Original Messagc-----
> From: joseph zemik Imailto:jz12345@earthlink.net]
>Sent: Satunlay, October 13,2007 I :47 PM
>'1'0: Amberg, john W.; Moldawsky,Jenna L
>Cc: Todd_Boock@Countrywide.Com
>Subject: TIME IS OF THE ESSENCE. RE: Salman v Zemik
>
>Oct 13,2007
>
>Att MolJawsky
>AttAmberg
> BRYAN CA VE LLP
>
>Ms Mldawsky, Mr Amberg:
>
> I have not seen any substitution letter from you. Do you represent erc,
> Inc and!or any of its subsidiaries and affiliates jointly and!or
>severally (Countrywide) in Samaan v ZenUk SC087400?
> Have you been removed from representa tion?
> If so, when?
>Who is now representing Countrywide in this matter?
>
>Joseph Zemik
>
>CC: Todd Boock, Countrywide
>
>At 09:16 PM 10!2/2007, you wrote:
> > Dr. Zernik,
»
> >We decline to gel further involved in d~s matter. I am sorry, but I
> >cannot help you.
»
> »oho W. Amberg
»
> >-----Origlllal Message-----
> >From: joseph zemik Imailto:jz12345@carthlink.netJ
> >Sent: Tuesday, October 02, 2007 5:57 AM
> >1'0: Moldawsky,Jenoa L.; Amberg,John W.
> >Subject: Samaao v Zcrnik
»
> >Oct 2, 2007
»
> >Att Moldawsky
> > Att Amberg
> >BRYAN CAVEILP
»
> > Ms Moldawsky and Mr Amberg:
»
> >On Sept 10,2007, in pro per, I served Judge Connor with filing per CCP
>
> >s 170.3. 'lbe claims listed there amounled to wilful misconduct,
> >subversion of justice, and fraud and deceit. Much of it was about the
> >treatment of Countrywide and Bryan Cave UJ) attorneys in court, in
> >violation of due process of the law.
»
> >Connor took off for over an hour to her chanmbers, then announced that
> >she was not admitting any of my claims, but recusing herself on h(:r own
>
> >motion per CCP s 170.3(c)(2). Given the nature of the claims, Connor's
>
> >responsc was short of a reasonable effort by a judge to def(:nd her
> >integrity, when confronted with claims of venal, criminal corruption,
2
»
> >One of the problems left in Ule A.~errnath, is a corrupt court fue.
> >One of the claims was that Connor ddiben'tely created a court file
> >that would not disclose the scope of the illyolvement of Countrywide in
> >this litigation. At times attorneys for COlill1]ywide were listed iin
> > Minute Orders as attorneys for plaint:ff, other times
> >- as attorneys for defendant, but hardly if ever as attorneys for
> >Countrywide. I am trying to fix that now... and I am writing to ask
> >for your help, to make sure that the record i~, set right.
»
> >What do YOIl consider to be the corre:t tcon for Countrywide in this
> >litigation? Non-Party? JntclYellor? Orner?
»
> > Please forward to me the following:
»
> > 1) Listing of any and all names of :Iltomcys who participatl~d in this
> >litigation on behalf of Countrywide
> >2) Listing of all filings entered by Cou,ltrywide in this litigation
> >3) ]jsting of any and all ex parte coowmnicallons that led to the
> >initial ex parte appearance in court ;lOd allowed the unusual scheduling
>
> >and listing of that appearance
> >4) Listing of any and all ex parte communlCations that rm,y have been
> >transmitted hter in litigation
> >5) Listing of any and aU appearances in coun with date and name of
> >attomey
»
> >Joseph Zernik
> >Defendant and Cross-CopIainant
> >in pro pn!
»
> >'Tbis electronIc message is from a law firm. It lIlay contain confidential
>
> >or privileged information. If you received this transmission in error,
> >please reply to the sender to advise of the (~rror and delete this
> >transrnission and any attachments.
»
> > IRS Circular 230 Disclosure: To ensure compliance with recluirements
> >imposed by the IRS, we inform you that any U.S. federal tax advice
> >contained in this communication (including any attachments) is not
> >intended or writtcn to be used, and cannot be used, for the purpo!;e of
> >(i) avoiding penalties under the Internal Revenue Code or (i1)
> >promoting, marketing, or recommendir.g to another party any trail saction
> >or mattcr addressed herein.
3
1
Page I ot 16
Moldawsky, Jenna L.
From: josl:ph zernik OZ12345@earthl nk.netJ

Sent: TUE,sday, October 30, 2007 9:~i2 AM
To: Moldawsky, Jenna L; Amberg. John VIJ.; Todd_Boock@Counirywide Com
SUbject: Fwd: Samaan v. Zernik - SPECIALS FOR COUNTRYWIDE IN CORHLJPT JUDGE CON NOH'S
COURTROOM
Oct 30. 2007
COUNTRYWIDE
John Amberg
Jenna Moldawsky
Bryan Cave LLP
Todd Boock
Legal Department
Ms Moldawsky, Mr Amberg, Mr Bood;:
One small other qucstion-
You recently threatened to enforce the protecti vc (gag,) orUtT issued by Judge Connor. I cannottind ill
my records a copy of the signed order, neither can I find a copy of the notice of orde r.
Could you please help me and email or fax (80 J 998-09 J7) copies of such documents'.'
Thanks,
J Zemik
Date: Tue, 23 Oct 2007 ] 3:36:37 -0700

To: "Moldawsky, Jenna L.t! <jenna.moldawsky@bryancave.com>, ",\mberg, Joon W."
<jwambcrg@BryanCave.com>, Todd_Booek@CoUlltrywide.Com
From: joseph zernik <jzI2345@earthlink.net>
Subject: Samaan v. Zernik - SPECIALS FOR COUNTRYWIDE IN l:ORRUPT JUDGE
CONNOR'S COURTROOM
Oct 24, 2007
COUNTRYWIDE
John Amberg
1enna Moldawsky
Bryan Cave LLP
Todd Boock
111l4/2007_~_ ----~----
---~-------
J:'ClgC ,~Ol 10
Legal Department
Ms Moldawsky, Mr Amberg, Wr Boo<:k:
Thank you for your response, and let me try to be morc explicit:
According to Department I written rules, provided to all appearing before Cormpt Judge
Connor, and according to the rules of any other department] have been assipled to (so far I.
B, C, 0, and one or two other d~partments I have forgotten), ex paJ1c applications can never
be scheduled in advance. Such applications must lJ,;: heard on days that the court i~; nol
dark. Counsel submitting the ex parte must be pres,ent in the courtroom by 8: ~OaITI, and
moving papers must be submitted to the clerk by 8:30am, otherwis,~ that ex parle i:; not
heard. Department I in particular, is very strict about thes,e rules, a., you can read in th;:
department rules offered to cowlsels. It is sufficient to be late by a couple of' minutes past
8:30am for the ex parte not be heard, and based on personal experience - such ruk:, arc
strictly enforced. In Departmenl C, you may even be sanctioned if:{ou arrive later than
8:45am after noticing other parties of an ex parte appearance.
None of these nIlcs applied to the special session on July 6,2007.
So please educated me:

What "proper actions" do you tuke in order to schedulejn advance a special session, at
9:00am. where the Courtroom i~: otherwise dark, for the review of one ex par:c application
only - Countrywide's Protective Order application - so that you can notice such a special
appearrmce in ;ulvancc to another party, when you arc not even a purty in the ~;ubjc;:;l cas'~?
Also: there arc two other parties in Sanlaan v Zernik, Michael Libow and Coldwell Banker.
I have no indication that such parties were ever notified of that apP'~arance on July 6. 2007
Please provide copies of notice provided to such paJ1ics. as required.
As you know I am no attorney, and I appear in pro per, so sometim~s 1 have major gaps in
my understanding of the operati,)ns of the Court. Any inf,)fmation such as requested would
be of greal practical value for III ~ in the future.
Joseph Zernik
ps:
And what is the name of the par:ner who appeared in addition to you and Mr Amberg?
Are you refusing to provide his name?
At 10:05 AM 10/23/2007, you wrote:
Dr. Zernik:
We have no idea to what you are referring in terms of the ex parte applicali ,:,n for a
protective order that was heard on July 6,2007 (not June 6th). Countrywid(
brought that ex parte due to your continuous harassment of its (·fficers and
employees. 'The ex parle was proP(~rly noticed and heard during regular c(-ure
hours, and yuu and your ccunsel were present. As we have rep,:atcdly stal,~d,
there was nothing improper about that hearing or any of Countrywide's
involvement in this matter. We will not continue to respond to your accusations,
which have absolutely no basis in fact. As previously suted, ao:, lack of r'~:ipon~;e
] ]/14/2007
l.age j ot lb
on our part to your e-mais should not be deemed an admissie,n on our p:nt.
-Jenna 1. MoJdawsky
Jenna L. Moldawsky, Esq.

BRYAN CAVE liP
Santa Monica, California ~104(ll
Phone: (310) 576-2377
Fax: (310) 576-2200
Lenna.molda\".'~b@1:J!Jal1~!l.ve.~c~n
From: joseph zernik I malLtg:jz12345@earmlink.rte!]

sent: Tuesday, October 23, 20072:18 AM
To: Moldawsky, Jenn:! L.; Amberg, John 'Ill.; Todd_Boock@Counlrywid:~.Com
Subject: RE: Samaan v. Zernik
Octuber 22, 2007
COUNTRYWIDI~
c/o Bryan Cave LL?
Ms Moldawsky, Mr Amberg:
You continue tu avoid coming anywhere close to ansv.ering a simple
question -
Ilow was an ex parte hearing scheduled in Samaan v Zernik on June 6,
2007, Department 1, Judge Connor, out::>ide of normal 'vorking hours of
the court, in a special session for this ca"e only?
Both of you were pJcscnt thcre, and another, :;enior partner from Bryan
Cave was also present, and J again request that you plelSe provide his
name.
Your expedient response would be greatly appreciated, providing any
level of detail on how such was accomplished by a non-party in :)uma2Ln
v Zemik using "actions" that were "entirely proper".
Suggestion -
Was it perchance initiated by a phone call from Sandor Samuels to the
Honorable Judge Allan Goodman?
Joseph Zernik
At 02: 14 PM 10/221:2007, you wrote:
Dr. Zcrnik:
In response to your October 22 email, Countrywide h~<

already informed you that Counuy;vide's actions in thi,
matter were entirely proper. Countrywide denies any 0:
parte communications with Judge Connor.
Country'.llide's refusal to answer your munerOtlS
questions should not be intelprcted as an admission of
anything. Deeming silence by Countrywide a, a "ucit
admission" simply does not make it so.
11114/2007
From: joseph zernik. [mailto:jz12345@earthlink.net]

sent: -rhursday, November 01,20072:55 PM
To: Amberg, John W.; jenna.moldawski@bryancave.com; Todd_.Boock@Countrywide.Com
Subjed: Fwd: REQUEST FOR ClARIFICA110N WHERE YOUR COUNSELS FAIL TO RESPOND
FYI
I hope that you could assist Mr Samuel:; and Mr Mozilo - and for that ma1l~r Judge C;lnnor, Jlldge
Goodman and yourselves in providing :;omc of the answers.
Joseph Zernik
Date: Thu, 01 Nov 2007 14:43:28 -0700

To: sandor_samucls@countrywide.com, angelo_mozilo@countrywide.com
From: joseph zcmik <jz 12345@earthlink.net>
Subject: REQUEST FOR CLARIFICATION WHERE YOUR COUNSELS FAIL T() RESPOND
Nov 1,2007
RE: REQUEST FOR CLARIFICATJlON WHERE YOUR COUNSELS FAIL TO RI~SPOND
TIME IS OF THE ESSENCE!
Mr Samuels, Mr Mozilo:
In June/July 2007, I approached both of you in request to refute fraudulent claims that were made by a
Branch Manager Maria McLaurin, San Rafael in Samaan v Zernik. Such claims wen: mostly related to
an unsigned, invalid, Underwriting Lett,~r relative to a fraudulent loan application by Samaan in OdolK:r
2004. That Underwriting Letter was not part of the loan file presented by Countrywide, and wa:; not
considered part of the loan file by the Ll~gal Department. That Underwriting Letter was printed on
October 26, 2007, and reflected Edge loan status of October 26,2007, yet in court it was c!laimed to
have been received on or around Octolx:r 14,2007.
Other questions pertained to Samaan's fhmdulent loan application showing double "J)llfe Rece£w!d"
11114/2007
stamps in the San Rafael Branch. The Legal Department claimed that there was no explanatie.n for such,
and that there was no internal audit report, no imaging report, no secunt: r report, etc for that incident
I also approached Mr Samuels through his position at Bet Tzedek, free legal services, w;1ere he
prominently called for action to prevent fraud in general, and real estate fraud in particular.
Refuting such fraudulent claims could be a matter or seconds or minutes for you. Dut you chc'se to al~t
differently.
On July 6, 2007, Countrywide appeared in court before Judge Connor, [clr ex parte :~eview of (l propJ:;c
Protective (gag) Order against me. And it 3ppeared that such order was indeed issued to you by Judge
Connor.
After my last email to you, your coun~el again threatened me with action pursuant to that Prokctive
Ordcr.
I consider that whole episode one of the hallmarks of corruption of Judge Connor's C,:lUr. by
Countrywide, but 1 am still struggling to put the pieces together
HOW DID TllA T EX PARTE COME INTO BEING?

I addressed that question sevcraltime~; to your attorneys, but they refuse 10 answer. ~tyond a claim th1t
no improper actions were taken. But ~:uch claims are inconsistent with the true fac1 ~ in this matter.
Then~ is no way that I know ofthat a party, let alone a non-party (Countrywide was not a party, and
Judge Connor denied me the right to file claims against Countrywide) call schedule an ex parte
appearance in the West District on a dly that the court is dark, at anytime other than 8:30am. j\,1orc(]\'cr,
the ex parte in question was undcr the guise of Discovery Motion, and such motions wen' not allowed at
the time it was heard.
I therefore suggested to your attorneys, that the answer to such questions, and many o:hcrs, may reside
with the Chief Legal Counsel, Mr Sarr,uels, ~erhaps in some phone calls hetween !'vI r Samuels, Judge
Goodman, and Judge CorulOr'? I got ro rCspl)IlSC after that.
After all, once Judge Connor was disqualified by me, pursuant to CCP section 170.3, on Sept 10,2007,
on claims amounting to fraud and deceit, conspiracy, obstruction ofjustic~, willful mi:-;co:1dm:t, etc,
which she chose not to oppose, she transferred the case, out of compliance with the law, to Judge
Goodman. Judge Goodman, on his part, engaged in dishonest conduct, an,j worse, presiding in this c:a.<. :e
without being duly assigned, as rcquir(:d by law. Beyond that, Judge Goodman took several weeks
before: he recalled his long-term close personal friendship with the ChiefLegaJ Counsel of Countrywide,
and then recused himself on Oct 1, 20m.
Judge Goodman, too, transferred the C;:lSe out of compliance with the law 10 Judge Biderman, who
immediately recused himself. But Judge Biderrnan forgot to disclose the reason for tis recusal, as
requin:d by law. Is it possible that his .:ecusal too, was related to close tie,; to Countrywide?
WAS THE PROTECTIVE ORDER JUST ONE MORE HOAX BY COl/NTRYW/DE AND JUJJGE"
CONNOR?
After my last email communication with you, I was again threatened by your attorneys wi th legal action
pursuant to the Protective Order, prcswnably issued at your request by Judge Connor. However, 1 could
not find in my files such an order signe:i by Judge Connor. Also, last Friday, I got to insp,:ct the Court
File, finally provided for my inspection after many months of denial of ac<:ess, out of compliance w:ith
11/14/2007
the law.
I could not find there any signed protective c·rder. My search included the secret Volum~ IV
(continued), the existence of which tt,e clerk's office previously tried to hide from me. What [did find
there were proposed orders with a red marking on them "DENIED".
The Minute Order of July 23, 2007, in contrast, suggests that su::h order was signed:
"The proposed order is signed and effective as of/his date. Counselfor Countryw.1de is ordered 1'0
give notice ofth is ruling"
But 1 have never been noticed by Counsel for Countrywide. And when I asked YOur counsel last ~e'ek
for a copy of the signed order, the response was a complete stlence,
Again, I believe that if there is anybody who knows the answers to these questions, and the overall
scheming in this episode, it would be Mr Samuels.
WHAT IS YOUR EXPLANA TION FOR T1IE RAMPANT FRA UD IN SAN RAE·'IEL, AS snow/v
IN SAillAAN'S LOAN APPLICA TION?
Furthermore, 1 still expect your response regarding the overall range offr:lUdulcnt claims by Maria
McLaurin in Samaan v Zcrnik, and my claims that Maria McLaurin, and lhc San Rai:acl Branch, were
involved in massive approval of fraudulent loans around 2004, in the billions of dollars p,:r year. Suell
could not have happened without your knowledge. Moreover, slarting December 2006. I noticed the
Legal Department of such conduct, hut I have no evidence that Countrywide has takl~n any acli:m in this
regard cver since. Not evcn to correct the fraudulent subpoena production ot' docurncnts ,n Sall1aan 'I
Zernik!
When was Samaan's loan application first received by Countrywide?
Why was that "Date Received" stamp defaced?
Why was Samaan's loan application suspended on October 14, 2004?
Did Samaan ever re-submit valid 10:1n applications (10 1)3) as stipulated in lJndcnniring l.ettet" elf
Oct 14,2004, by Underwriter Frazier'!
Did Samaan ever sign disclosures, as required by law?
Was McLaurin's typo, which fraudulentl)' stated Samaan's income at $4,000,OUO in her exccpti{);11
request to Mr Gadi ever corrected? The Legal Department I.ept refu:.ing to provide the origin:ll
document.
How tould McLaurin submit an Exception Request with fraudulent credit detemlin:ation witlwl.lt
valid 11003's and without valid Clues report?
How (ould Maria McLaurin assume the 111lderwriter authority in tbi~: loan on October 25, 20'1),1
and issue Underwriting Letters with conditional approval, starting O(:t 29,2004, in "iolatilIU oftlle
condHions stipulated by Frazier - thle Underwriter duly assigned to tillis loan applic:ltiolJ, amIl
Gadi - Underwriting Division SUPPOlrt Office?
Was Samaan's loan ever fully approved by Countrywide?
Did Samaan ever provide acceptable explanation for the fraudulent employment inform<ation
J 1/14/2007
identJilied by Undenvriter mane Frazier, who soon afh~r that lost her job?
How come none of this was ever covered by an Internal Audit or External Aud it report, if I :)10 10
believe the Legal Department?
Mr Samuels ,md Mr Mozilo - I look forward to full explanation of your conduct in this case.
Joseph Zernik
This electronic message is from a law fim1. It may contain confidential or privileged infomla'lion. If y,)U
received this transmission in error, please reply to the sender to advise of the error and delete this
transmission and any attachments.
IRS Circular 230 Disclosure: To ensure compliance with requirements imposed by the IRS, we inform
you that any U.S. federal tax advice contained in this communication (including any attadmlcn1.s) is n:lL
intended or written to be used, and cannot be used, for the purp05e of (i) avoiding penalties under tlw
Internal Revenue Code or (ii) promoting, marketing, or recommending to <mother party any transactio)
or mattcr addressed herein.
:--==:::::::-==~::::=:::::===::=::=::===:::========::::::::::::~:::::::-::::::=:::::::;:==::::=:::==..::::~==-=:::=:::::=:=::-::::=:::=::::::: :=-:::::::======== === =;:=======:::::. .::..==-::::::: =::::::::.::::=: =.
Confidentiality Notice: Thc infonnation contained in and transmitted with this communication is stri::lly
confidential, is intcnded only for the m:e of the intended recipicnt, and is tile propel1y ofCountJywick
Fin<mdal Corporation or its affiliates and subsidiaries. If you are not thc intended ftcipicllt, you arc
hereby notified that any use ofthc information. contained in Of transmitted with the ,,:ommunication or
dissemination, distribution, or copying of this communication is strictly prohibited lry law. If you hav(
reccived this communication in error, please immediately return this communication to the sender ,md
delctc the original mcssage and any copy of it in your possession.
====: ~-:==-===_--==:.:=:=::=:::::=..=::===------==::.========:::===:==-====7::-::~~===::.:::::====~_===:=:.=:::==== ===::.:==::=::= "=:::::::..::::=:.=::-:::...:::; __ . __ ..::::::-:-.::==::.- ::::::-- :
11/14/2007
Page I or I
Moldawsky, Jenna L.
From: Amberg, John W

Sent: Thursday, November 01,20075:46 PM
To: 'joseph zemik'
Subject: Violation of Court Order
Dr. Zernik:
Your November 1, 2007 email to Countlywide officets Sandor S:lmuels and Angelo M();~ilo i~, In dire<.. t
violation of the court-imposed Protectiv,~ Order, which prohibits you from contacting any Countrywide
officer:; or employees regarding this maUer. Pu:suaot to the C()urt'~ order, YCIU havc becn dirc-cted to
contact only Countrywide's counsel of record.
Any allegations of impropriety regarding the Protective Order are wholly wid~OtIl merit. You wer,e flf<:~'~llI
at the hearing on July 23, 2007 when Judge Connor granted CouotI)wide's Mo>llOn for a Protcoive Order.
You have been on notice of Juclge Connor's ruling since that time.
Your willful and deliberate violation of t1~ e Prott:ctivc Order will 1101 be lolera t<:d, YOII arc nn I rf/
communicate with the officers or employees of Countrywide, and arc to confine your co,mmuniCaliol1" 1(1
designated counsel. 'nus email shall serve as wriucn notice th:i.t if you continu!.: to "lOlatt' the Comt',
Order, Countrywide will seck all avaibble remedies against you including monelar}' salleL 1)f1S and cc,nt 1~IIlP I.
John W. Amberg
11/14/2007
f'l
J 'Jb'~ J \Jl J
From: joseph zernik 1!ll'lil!pJzJ'D42@e_a_rthlinkJ!t:;11

Sent: Thursday, November 01, 20076:30 PM
To: Amberg, John W.; jenna.moJdawski@bryancallc.com; Todd _Boock@Countrywide.Corn
Cc: angelo..mozilo@countrywide.com; sandor _samucls@countrywide.com
Subject: VIOLATION OF COURT ORDER? WIMTCOURTORDER? HAVE YOU SEEN IT LATEl.Y?
No\' 1,2007
COUNTRYWIDE
Mr Amberg
Ms Moldawski
Mr Boock:
RE: VIOLATION OF COURT ORDER? WHAT COURT ORDER? HAVE YOU SEEN IT LATEL Y?
I repeatedly requested that you provide me a copy orthat purported order, but you refiJsed to do ~C. Similarly, rOll
failed to notice me of such purported order as odered by the Court on July 23, 2007. And you notice below l;lils to do so
either.
Review of the Court File failed 10 produce a copy either.
The primary purpose of my communication with the officers, particularly the Chief Legal Counsel, was \.) find nut
perhaps they have a copy of that purported Order, which is nowhere to be found.
Given my experience with the Connor COUI1, and with the LA Superior Court, West Division, I will lind it diHi<:ult to)
believe that such an order ever existed. E.g., a similar situation exists relative to the Order to Appoint Referee Judge 0 Brien.
Such experiences are not limited to Judge Connor, either. I have repeatedly requested to see the Assignment Ortiels of
Judges Goodman, Bidennan, and Segal (I know it is difficult to keep up sometimes), and to be noticed of such. 1li,e re~ponsc
I got from Judge Segal was that I was unrealistic if! eXpt~cted that he would confront his Supervisor Judge arlt1 ask for an
11/14/2007
rag;e l" OJ )
Assignment Order. And in response to my demand to be noticed of such orders. the response J got in a /l:tter dated Oct '~O,
2007, from Supervising Judge Gerald Rosenberg was such:
"Be advised that your case was pwperly assigned to Judge John SegaL"
As you know, I am no lawyer, and have no fornla/legal education. But I tend to suspect that none ol'these ')f(!els ever
existed, and that communications such as tt,e one quoted above by the Supervising Judge, and YOll.~' below, er,peclally when
directed at Defendant in pro per, may be deemed dishonest, deliberately misleading, or fraudulent
As always, I would be glad to receive frJm you a copy of the Coun Order, and be noticed of such, as required by law. I
promise you that once noticed of such order, and see in the notice a copy or the true and correct orller, I would otocv it as
ordered, Until such time, I do not think that there is any foundation by law for your notice below, and I reque~,llh~t yO.J
immediately retract it.
As always, I would be glad to receive Mr Samuels response regarding the other instances of fraud :md deceil perpe~r,lted
against me and against the Federal Govemm,:nt, as shown in Samaan Y Zemik.
Jnseph Zemik
CC:
Angelo Mozilo
Sandor Samuels
At 05:45 PM 1111/2007, you wrote:
Dr. Zcmik:
Your November 1,2007 email to C(tuntlywldt: officers Sandor Samuels and Angelo MOlilo is in direct ';iola:iol\ of
the court-imposed Protective Order, which pr,)hibits you from contacting any Countrywide oflicers ('I' ellll= toyees rc,,~,ardil g
this mailer. Pursuant to the Court's order, YOt have b<~cn directed to (:ontact only Countrywide's COlIllS.:! o\'recon
Any allegations of impropriety regarding the Protective Order are wholly without ITII:rit. You WCI'C present atthl
hearing on July 23, 2007 when Judge Connor granted Countrywide's Motion for a Protective Order. You have be,:n n£l [(,lice
of Judge Connor's ruling since that time.
Your wi IIful and deliberate violation of the Protective Order will nol be tolemlt:d, You arc nol to conlllllllli,;ate with
the officers or employees of Countrywide, anc are to confine your communications to designated coullsel. '[11is I~mai shall
serve as written notice that if you continue to violate the Court's Order, Countrywide will seek all a\illlabic renwu ies agaillst
you including monetary sanctions and contempt.
John W, Amocrg
lbis electronic message is from a la>n firm. 11 may contain confidential or privileged mfomHltion, If you rccci'fCd
this transmission in error, please reply to tile sender to advise of the error and delete this transmissioll and allyalla<:!lfnents
IRS Circular 230 Disclosure: To ensure compliance with requirements imposed by the IRS, wc inf(JrlIl ytllJ lhat Iny
U.S. federal tax advice contained in this comm ~nication (including any attachments) is not intended Dr written w be used.
and cannot be used, for the purpose of (i) avoitling penalties under the Internal Revenue Code or (ii) promoting. Jllarketil\:~, or
recommending to another party any transaction or mallcr addressed herein,
Confidentiality Notice: The information contained in and transmitted with this communication is ~'Irietly confidential, i;
intended only for the use ofthe intended recipie:nt, and is the property of Countrywide Financial Corporation or its Iffiliat~~
and subsidiaries. If you are not the intended recipient, you are hereby notified ilial any use of the infonnatioll contained in or
transmitted with the communication or dissemination, clistribution, or copying of this communication is strictly prohibited I:y
law. If you have received this communication ill error, please immediately return this communication to the ;ender and delete:
the original message and any copy of it in your possession.
11114/2007
Confidentiality Notice: The infonnation contained in and transmitted with this communication is strictly confidential, i~
intended only for the use of the intended recipient, :md is the property of Countrywide Financial Cl)rporction or it~; affiliates
and subsidiaries. If you are not the intended recipient, you are hereby notified that any use ofllie .rfonm:tion c('ntained in or
trammitted with the communication or dissl:mination, distribution, or copying of this communication is mictly prohibil~d by
Jaw. If you have received this communication in error, please immediately return this communication to :hc sender anti ,Jclete
the original message and any copy of it in y)ur possession.
Confidentiality Notice: The infoffilation contained in and transmitted with this communicatlO [1 1S strictly
confidential, is intended only for the use of the intended recipient, and is the property or Countrywide
Financial Corporation or its affiliates and subsidiaries. If you a:re not the intcnded recipi ~nt, YI)U are
hereby notiJied that any use of the information contained in or :transmitted with the communication cr
dissemination, distribution, or copying oflhis communication is strictly prohibited by law. If)'ou hl'lC
receuved this communication in error. p!cast: immediately rctum this communication to Ihe sender and
delele the original message and any copy of it in your possession.
":::::====:~.:=-:::::=::-=-:::::::::::::::= :::::::::::.::::===::=:==::::::::-::::== ::=::::::::::::=::-::::::::::: ===::~~~ =::::====---=:::::=:;:: =--..::: :::.....-=== == =:::=:::-:.=::- ~.::::=~::===: - :.:::":::':: :::- ::.::::::::':. :-:: =.: =-:::..
11/1412007
Jol t\ W. Ambetg
Dim: (JIO) S76-2280
Fa:c. 310-576-2200
~,m~~.~v~axn
November 2, 2007
VIA HAND-DELIVERY
Oryin CO" LLP
I," lllOoaw.l'. S,jo(e :l00
Joseph Zemik
T.I r:1I0)5){ -; 100
l.xI310I,)i,1100
Re: Samaan v. Zemik/Proteeti've Oreier
Dear Dr. Zernik:

Chit:.go
As you know, we represent Count.rywide Home Loans, Inc. and ils employees. 1I0ng Kong
Irvir £'
Enclosed is Countrywide Home Loans) Inc.'!! Notice of Ruling regarding Judge JeU.,son Lev
Connor's granting of Countrywide's motion for protective ord<:r on July 23, 2007.
TIle Court's Minute Order ofJuly 23, 2007 is attached to the No~ce, confirming that
the Court grantcd the motion for protective order, in favor (of Countrywide and Los ~ngelos
against you, cffective immediately on that date. N.", fer.
Phcl'nix
You were present at ~c July 23, 2007 hearing and agreed to submit the trultter on the Shanghai
basis of the Court's tentative ruling, which ,granted the motion. Therefore) you have St L~uis
been on actual notice of the protectivl~ order since the date of the hearing. WiH ,ington, 0 C
Despite the clear and unequivocal tenns of the protective order which prohibit you An~ Bryo. C.. e,
,~ f.lfJltinatto,IBI P;uwershv.
from communicating with anyone at Countrywide except its counsel of record) and
despite my repeated written W:iOlings to you to comply with tne order, you have
violated the order on at least three oCCll.s:ions since July 23 by sending emails to
Sandor Samuels and Angelo MoziJo, officers: of the company.
Y cu have been on notice since July 2.\ 200/' that you are forbidd<:ll to contact Mssrs.
Samuels, Mozilo, or any other officer or employee of the company. and tlut you must
direct any communications exclusively to its counsd. If you pelsist in violating the
Court's order by contacting Countrywide persons other th~.n its o:>Unsel, we will seek
all available remedies ~inst you, including but not limited to sanctions and
contempt.
veh truly yours,

/
~nWAmb~
JWA:jcc
Enclosure
SMO'IDOCS\6572T7 I
BRYAN CAVE LLP

John w. Amberf<
(CA Srate Bar No. 108166) CONFORMEn Co))¥
2 Keith D. Klein CA Srate Bar No. 184846)
:c::: Jenna Moldawsky (CA Stat<: Bar No. 246109)
OF ORIGrNAl fILED
0:.: Los Ange./es SUperior CoLr :
=::> 3 120 Broadway, Suite 300
J- Santa Monica, California 90401-2386
lJ.J NOV () 5 2(107
a: 4 Telephone: 310-576--2100
John A. Clark r
Facsimile: 310- 576--2200 e, :~ecutiYe Offic~;/C1erk
a 5
2 Sanford Shatz (CA State Bar No. 127229) B;y D: MeKi nne . . . H
<C ;" epll~r
6 Todd A. Boock (CA State Bar No. 181933)
~ 5220 Las V~nes Road, MS: AC-t1
a: 7 Calabasas, C .fornia 91302
0 Telephone: 818-871-6062
u..
2 8 Facsimile: 818-871-466~'
C>
0 9 Attorneys for
COUN11tYWIDE HOME LOANS, INC
10
II
12
FOR THE COUNTY OF LOS ANGELES, WEST DISTRICT
13
14 NIVIE SAMAAN, et aI., Case No. SC087400

15 Plaintiffs,
NOT][CE OF RULING
16
vs.
17 Date: July 23, 2007
Time: 8:30 a.m.
118 JOSEPH ZERNIK, ct al. Place: WEI
19 Defendants.
20
21 TO DEFENDANT JOSEPH ZERNIK:
22 PLEASE TAKE NOnCE 'mAT Countrywide Home Loans, Inc.'s ("Countrywide')
23 Motioo for Protective Order came on for hearin:~ bdore the Honorable }Kqucline A Conner
24 on July 23, 2007 at 8:30 a.m. App<:aring for Countrywide were John W. Amberg and Jerma
25 Moldawsky of Bryan Cave LLP. Also appearing: were defendant Jasepb Zemik, and Moe:
26 Keshavarzi of Sheppard Mullin Rkhter & Hampton, LLP, counsel for plaintiffs.
27 Upon consideration of the IYApers and for good cause shown, the Court granted the
28 Motion for Protective Order. Zcrnik submitted on the Court's tentative ruling, without oral
SMOID0CS657217.J
argument. A true and com:ct copy of the Minute Otder stating that the Motion W:l:; grant,~d>
2 effective irrunediately, is attached hereto as Exhibit <CA".
3
4 DATED: November 2, 2007 BRYAN CAVELLP

5 John W. Amberg, Esq.
Keith D Klein, Esq.
6 Jenna M::>ldawsky, Esq.
7
(' ,/
..---~
8
By: ///
9 ,-r j~n W. AmberV ---------------.----- ---
,
A torneys for
10
COUNlRYWIDE HOME LOANS, Ij\lC.
II
12
13
14
]5
]6
17
]8
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SMOID0CS657217 .I 2
JKXHffiIT "A'~'
SUPERIOR COURT OF CALIFORNIA, COUNTY OF lOS ANGELES
DATE: 07/23/07 DEPT. 'fi2:r
1l0~ORABLE JACQUELINE A. CONNOR JUDGE V. JAIME DEPUTY CLERK
HONORABLE JUDGE PRO TEM f LECTRONIC RECORDLNG MONITOR

#13
B.. VARGAS CA Dqroly Sheriff v. HARRI S CSR!t2097

COllmel HOE KESHAVARZJ
NIVIE SANAAN
VS DdCndA,"
JOSEPH ZERNIK COlirlSCl JENNA l',OLDA\'lSKY (X)
JOHN W. AMBER':; (X }
CCP 170.6 - JUDGE N:~IDORF
DEFENDANT (JOSEPH ZERNIK) MOTION TO EXPUNGE LIS

PENDENS;
MOVING PARTY (COUNTRYWIDE) MOTION FOR PROTECTJVE

ORDER;
Matter is called fm' hearing.

All parties acknowlE:dge receipt of cr.e Court 's
tentative rul.ing anc. submit on the tentative ruling.
The motion of defendant Joseph Zernik to expunge .iis
pendens is DENIED. Defendant has failed to
establish that the Court's previous ruling on
November 9, 2006 was based on fraudulent or false
evidence presented by plaintiff. Defendant has also
failed to show that the lis pendens was not properly
served. Counsel for plaintiff is ordered to give
notice of this ru1in3·
The motion of non-par:tyCountrywide Home Loans for a

protective order is G~TED. Defendant Joseph
Zernik is directed to'd:6,ittttilnicate sol.~iy with
Countrywide I s designated counsel, 'I'odd ~'L Boock, and
no other officers or employees regardinq the pyesent
action. The proposed order is signed and effective
as of this date. Counsel for Country\\'hle is ordered
to give notice of th:i.s ruling.
Page 1 of 4 DEPT. WEI

-.---------J
[ MlmrrES ENTER&D
07/23/07
COUNTY CLERK
------------_ ..
SUPERIOR COURT OF CALIFORNIA. COUNTY OF LOS ANGEL.ES
DATE: 07/23/07
1I0)\OJWILE JACQUELINE A. CONNOR ItjDGE V. a/UHE DEPlJfY CLER.<
JIONORAHLE Jt:DGE PRO TEM EI.ECTRONC RECORDI~iG ~:O~lTOR

#13
B. VARGAS CA r\:!"'lY Sh~rif J. HARK IS CSR#2097
8:30 am SC087400 P1aimilT
Colmsd MOE KESHAVARZI (i: .'
NIVIE SAMAAN
VS Def,:,)(\ant
JOSEPH ZERNIK Counsel JENNA MOLDAWSKY { ~y'
'. J
JOHN !-1. AMBERG (X;

=========
In this case. defendant. moves to expunge the 1 is

pendens arguing that plaintiff camlo: establis~'1 the
probable validity of her claims. ZERJ'JIK asser':.s
that plaintiff fai.le:3 to timely remove the appraisal
contingency which gave him the right to cancel the
escrow. He further :trgue~3 that plainti Ef' s
opposition to the prior motion to eXpUDo]e was based
on fraudulent arguments and documents. However. the
declarations and evidence provided by plaintiff
continue to raise a question as to whether ZERNJK
had submitted a fullI ex(~cuted copy of ':he Purchase
Agreement to Mara Escrow as of October :~2. 200'1.
The documents submit~:ed by defendant simply do not
est.ablish that plain;:iff has engaged in any fraud or
failed to properly serve the lis pendew3 on hirL
Again. there are too rr.-any factual issueB that cannot.
be decided here, includin~} whether SAJWill was
6ready, willing and ableo to proceed "iith the
purchase of the propE~rty. Therefore. the motic)O co
expunge lis pendens :'.13 DENIED.
COUNTRYVIIDE seeks a narrowly tailored protective
order requiring that ZERJ\flK direct all future
communications t.o COUNTRYWIDE's designat.ed counsel
and precluding him from chrectly phoni.ne:t. e-mailing
or otherwise contacting its represented officers and
employees. First, the motion is properly supported
by the declarations of in-·house counsel Todd A.
Boock and at tODley of record Jolm W. A.mberg. which
taken in response to ZERNIK I S conduct tc,wards

r----------"J
I lHNUTES
07!2:l/07
:~:NTE:Rlm
l COUNTY Ci:'ER:te
--~--------_ .. _~-_.
SUPERIOR COURT OF CA.lIFORNIA, COUI~TY OF LOS ANGEL:ES
DATE: 07/23/07
HONORABLE JACQUELINE A. CONNOR JUDGE V. JA1M E: DEP'lIn' CLERK
HO!'lORABLE JUDGE PROTf.M ElEcrRON1C RECORDING ~1)NrrOR

#13
B. VARGAS CA [)~'II1y S1l<riff J. HARR I S CSR#2097 Repone,
8:30 am SC087400 Pbinrilf

Coun:;<\ VIOE KESHAVARZI (X)
NIVIE SAMAAN
VS Dei~d2llt
JOSEPH ZERNIK eoull';cl ,JENNA !'10LDAWSKY (X)
.JOHN W. AMB:::RG (X}

=======,=========,=
NATURE OF PRQCEF..DINGS:
COUNTRYWIDE. Second, the Court finds t:1at

COUNTRYWIDE has shown "good cause" for che
protective order sou;3ht. ZERNIK ha,s fa iled to
establish the validity of his commcnicacions wi"Ch
COUNTRYWIDE has fail ed to comply with a discovel:y
obligation, ZERNIK ' s recourse is to fil,~ a discovery
motion with the Court. Any assertion t::lat
COUNTRYWIDE is someh:>,.,. imrolved in wronqdoing is not
supported by anythin3 other than hearsa:r and
conjecture. Moreover, since ZERNIK i:3 representinq
himself in this acti,:>n, his assertion blat
COUNTRYWIDE is impro:?erly applying attorney
standards to him is not well taken. A litiganc
appearing in propria persona is generally held to
the same restrictive rules and procedur'~s as an
attorney. the rules of civil procedure must apply
equally to parties r'~presented by C'ouns,~l and :;hose
who forgo attorney r'~pr'esentation; such a party is
to be treated like any other party and LS entitled
to the same, but no '3reater consideration than other
litigants and attorn,~ys. (Rappleyea v. Campbell
(1994) 8 Cal-4th 975, 984·-985; see Barton v. New
united Motor Mfg. (U96) 43 Cal.App.4th 1200, l210.)
COUNTRYWIDE has a riqht t:o be protectl~d from

unwarranted annoyancr~, eooarrassment or oppression.
Since the protective order sought simpl;f direcl:s
ZERNIK t.o communicate with COUNTRYWIDE'u designated
counsel, there is nothin':l to show any infringement
on ZERJ.'HK' s free spel~ch or other rights,

-------.-.J
[ HINurES EN'IERED
07/23/07
COUNTY CLERK
-------------.
SUPERIOR COURT OF CALIFORNIA, COUNTY OF LOS ANGELES
DATE: 07/23/07
HONORABLE JACQUELINE A. CONNOR JUDGE V. JAIM:~ DEPUTY CLERK
HONORABLE JUDGE PRO TEM al'.c'1RO};lC RECOROrKG MONITOR

#13
B. VARGAS CA {)('J"'CY Sheri J. HARR [S CSR#2097
========
COU1I1:e1 J-10E KESHAVARZI (X)
NIVIE SAMAAN
VS Ddtr.<bat
JOSEPH ZERNIK eoon:.er .JENNA MOLDAWSK I' (X)
,JOHN W. AMBERG (X)

CCP 170.6 - JUDGE NElDORF
===:====:.-
NATURE OF PROCE~"DINGS:
Defendant requests for ruling on Eviden~ry

Objections.
The Court declines to rule on the Evide:1try

Obj ect ions. The COUTt finds the Eviden-~ry
Objections are not p:roperly filed pursuan to Rules
of Court 3.13.54.
ICounsel for Plaintiff is ordered to 9iv.~ notice.
Page 4 of 4 DEPT. HEI

-------------1
[ MINUTES ENl'EF:ED
07/n/o-)
COUNTY C'LERK
_--
.-----_.------_..
PROOF OJ? SERVICE

l
2 I am employed in the County of Los Angdes, State of Cali fornia I am over the age of :! 8
and not a party to the within action. My business adclw:s is 120 Broadway, Suite 300, Santa
3 Monica, California 90401-2205.
4 On November 2, 2007, I served the foregoing document(s), described as NOTICE OF

HEARING, on the interested party(s) in this action, m follows:
5
Robert J. Sbulkin, Esq. Moe Keshavanj, Esq.
6
Legal Department Sh.eppard Mullin Richter & Hampton, LLP
7 Coldwell Banker Residentm E,rokera~e Company 33:~ S-)uth Hope Street, 48th Ho<)r
11611 San Vicente Boulevard, 9 th floor Los Angeles, CA 90071-1448
8 Los Angeles, CA 90049 Fa.:sitnile: 213-620-1398
F2csimile: 310-447-1902 m~esllavar~~lm_~l!:!!I!H!n,--<':Qm
9 robert.shulkin@camoves.com
10
t8J (BY MAIL) I placed a true copy ofthe fc)regoing document in a seaJed envclolx:
II addressed to each interested party as set forth above. I placed each such envelope, with postage
thereon fully prepaid, for collection and mailing at Bryan Cave LLP, Santa Monica, California. I
<0
co
<">
12 am readily familiar with Bryan C-ave LLP's practice for ::ollection and processing t)f
~
o~
correspondence for mailing with the United States Postal Service. Under that practice, the
...,
00
.... 13
o..t>g correspondence would be deposited in the United States Postal Service on that same day in the
:j3.!! ordinary course of business.
CD (J) E :14
;; ~g
O~ti
.....
cuO
~o,.;
.... 0
:15 Executed on Novemb-~r 2,2007, at Santa Monica, California.
mm-c
00
~:::E
16 I declare under penalty of pe;:rjwy under the laws ofthe United States of America and the
CD
co State of California that the foregoing is true and corre,;:L
CD
en n
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SMOID0CS657217.1 3
------------------NOTICi:oFR.UCiNG
I·ROOFOF
PERS()NALSERVICE
2
I am employed in the Cotmty of Los Angeles, 8tate of California. I am over the age of 18
3 and not a party to the within action. My business addtess is First Legal Support Services, 1511
Beverly Blvd., Los Angele:;, California 90026,310-2'77-9111.
4
On November 2,2007,1 served the foregoing document, described as NOTICE O][i'
5 RULING on each interested party in this action, by delivering a true copy thereof in a sealed
envelope addressed as follows:
6
Jm;eph Zemik D:t\fl) PhD
7
8 Beverly Hills, CA 90212
Facsimile: 801-998-0917
9 jz12345@earthlink.n~!
10 I delivered such envelope by hand to the office~; or residence of each interested party a:
each address shown above.
11
Executed on November 2,2007, at Santa Monka, California.
..,to
<X) 12
00
<"t
0 .....
C')'<f
a.~g
13 o (FEDERAL ONLY) I declare that I am employed in the office of a me;-nbe:r or the
bar of this Court at whose d:irection the service was ma.je.
-':>",
~t/)E 14
;; >:.2 I declare under penalty of perjury under the laws of the United SUltl:~; of America alld the
o~'ii
cuO
.... co _ 15 state of California that the foregoing is true and correct
2:-e-
mm-¥ ---------...,
~
---
16
. --*- ----
00
~~
....
c L () c..1 LontJ,d I?. 0 0 ~ ':-- ~
'" 17
t/)
,. --------_.~ -----------
Print Name ::>lgnature
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SMOlD0CS657217J 4
-
()
PaiSe 1 of 4
Original Message -----

From: joseph zernik [jz12345@earthlLnk.net)
Sent: 11/03/2007 11:29 PM MST
To: Angelo Mozilo; sandor_samuels@countrywide.com
Cc: Amberg, John W." <jwamberg@BryanCave.com>; Todc Boock
Subject: TIMED RESPONSE REQUESTED BY FRIDAY, NOVEMEER 9, 2007
Nov 3, 2007
Angelo Mozilo, Chair

Sandor Samuels
Chief Legal Counsel
RE: TIMED RESPONSE REQUESTED BY FRIDAY, NOVEMBER 9, 2007
11/1412007
I-'age 2 01"4
Mr Mozilo, Mr Samuels:
In December 2006, I first contacted ttle Legal Department, with concerns regarding fraud by MaT;a
McLaurin, Branch Manager, San Rafael. At that time I still did not realize that the Legal Department.
was in fact a full participant in that fraud.
In later communications in early 2007, I detailed conduct in the small San Rafael branch, with only .3
senior underwriters under Maria McLaurin, '."here fraudulent loans backed hy the Jedcral government
totalled billions of dollars.
I approached you as a victim of fraud, in your respective capacities - Chair of the Imernal Audit
Committee, and Chief Legal Counsel, officers of the corporation who carry a particular charge in the
safeguard of the integrity of Countrywide's operations. Furthermore, I approached Mr Samuel~; in his
capacity as Chair of the Board of Bet Tzedek, free legal services in Los Angeles - a worthy charity. In
that capacity he posted on the web calls in which he expressed his commitment to fight fi'aud in genenl,
and real estate fraud in particular.
I asked that you stop fraud by McLaurin against me, and either authenticate or withdraw the unsigned.
fraudulent Underwriting Letter of October 26, 2004, which was falsely represented in court under
Count.rywide's name, as a valid Underwriting Letter of October 14,2004.
You refused to take action regarding such fraud, and instead attempted on July 6,21)07, to issue a
Protective (gag) Order against me. Today, that procedure in itself is probably the be,:t evidence for
Judge Connor's corruption by Countrywide.
Subsequently you claimed that such gag order was indeed issued, and tried \0 enforce it.
I am writing to you today for two reasons:

I) To request that you finally address the ongoing fraud by Maria McLaurin against mi.:, rdatcJ to the
fraudulent loan applications ofNivie S.amaan. Samaan was at th~ time a cosmetics .;akswoman in a
department store, who attempted to issue, with McLaurin's active help, government· backed loans for
over $1.5 million for the purchase of my residence. The fraud by McLaurin against lIle, in the absurd
claims that I - as the seller of rcaI estate property - had a part in the failure of the funding of such
fraudulent loans, is culminated in:
a) Her personal cover letter on Countrywide letterhead, filed in court for the unsign..::J, fraudulent
Underwriting Letter of October 26,2004, listed above, and
b) In fraudulent declarations she filed in Courl regarding the true reasons that Loan Applicatiow; of
Nivie Samaan were suspended on October 14, 2004, by the: duly assigned Underwriter - Diane Frazier,
who later lost her job.
c) In the fraudulent loan file that was produced in collaboration with CFC's Legal Department as the
authentic loan file.
Even so, the loan file show that the duly assigned underwriter- Diane Frazier - detected the fraud
relative to employment data in Samaan's applications. Othl:rwise - the applications were invalid relative
to the listing of no initiation fees. These were 1Lhe true reasons for the suspension, as confirmed by
Frazier herself.
In contrast, Maria McLaurin filed fraudulent declarations in cpurt, claiming that Sarnaan's loan were:
fully valid and indeed approved by Countrywide!
2) To request that you either produce a (;opy of the signed gag order, or immediately stop the threalening
] ]114/2007
Page 3 of4
letters by your attorneys. I got yet another threatening letter from your attorneys, dated Nov 2, 20<Y7. It
appears that it was in response to my demand that you produce a Notice ojOrder for the gag order you
claim to have obtained from Judge Connor. But instead, you elToneously provided a Notice ofRuling.
That letter confinned again what I realize by now: That the signed Protecth'e (gag) Order, that you
claim to enforce, never existed!
The Minute Order, a copy of which yOU mailed me, is not a valid Protective (gag) Order.
It states: "The proposed order is signed and effective as ojthis date." But I have never seen such a
signed order, neither have you provid,ed such order after repeated requests, neither can it be J(mnJ in Ihe
Court File.
For no reason at all I was denied access to the court file, minute orders, and other notices for over hal' a
year under Judge Connor, as part of h,er corrupt conduct, and in abuse of my constitutional rights. On
August 31, 2007, I was allowed access only to three volumes - I, IV, and V. I was denied access to
other volumes for no reason at all. On Oct 26, 2007, I was finally-allowed access to volumes /I, 111, ;:md
VI, but not to the other volumes, again - for no reason at all.
Such conduct was in itself suspicious, especially given past conduct of this court. But then I real iz·ed
that between volumes provided to me on Ocl 26,2007, and volvmes provided to me on Aug 31,2007.
some critical documents were missing, in paJ1icuiar - those pertaining to Countrywide's gag order.
When I insisted on reviewing all volumes at once, the clerk finally admitted that there was ano':hcr
volume -IV (colltillued) which had been hidden from me, and pulled it from belOW}llS desk for m:?
inspection. In it I Jound Countrywide's Proposed Order, and it was marked in red pen "DENIED".
That is not surprising, it is now emerging as one of the common fraud techniques u.;.;:d by Judg'~ Conn.or:
a) In Millute Order ofAug 30,2007, Judge Connor claimed 10 issue an order f(»' appointmg Judge
O'Brien as referee for escrow, but she failed 10 do so, instead signing a me;:mingless order for Q
discovery referee, at a time when there is no discovery.
b) In Millute Order ojSept 10.2007, Judge Connor refers to an Assigllment Order by Supervising,
Judge Rosenberg, assigning Judge Goodman to Samaan v ZerniJ:. But now Supervising Judge
Rosenberg is in fact refusing to present such an order after repeated requests. Obvi\Hlsly, that ordeI
never existed either.
c) Judge Connor also failed to issue a valid Minute Order of Sept 10,2007, for her Di\'qllaliflcatiolt 0[1
claims that amoWlted to willful misconduct cmd criminal conduct including Fraud and Deceit,
Conspiracy, Obstruction of Justice, and more. She chose not to oppose such claims. instead she did 5tate
in open court that she did not admit any of the claims. I am no legal scholar, but I do no think that such
statement of innocence would carry much weight relative to such claims of criminal wnduct in a coun
ofjustice.
And then Judge Connor issued a six-page fraudulent Minute Order ojSept 10. 2007, reporting a hearing
that was never heard and a ruling that was never ruled, and on page 4 of that Minute Order she insel1ed
acknowledgment of her disqualification.
Other judges now try to refer to that as recusal, and avoid e:ver listing the Code Section of the
Disqualification on Minute Orders, as required, a practice that I deem collaboration in the fraud
For me, of course, this world of fraudulent and corrupt judges is new, But I somehow suspect that is not
11/]4/2007
Page 4 of 4
the case with you!
I demand again:
1) That you review the documents submittt:d by Maria McLaurin in court, and make a pronounceJlli~nt
whether such documents are valid or false and fraudulent.
2) That you produce a copy of Countrywide's Proposed Order that Judge Connor stated she signed on
July 23, 2007, and is the true basis for your daims for a gag order against me, or stop the campaign of
threatening letters.
Please respond by November 9, 2007.
Joseph Zemik
PS: I am filing a request with the Supervising Judge for disclosure of champagne c()ntribution~; to Judges
of the West District of LA County Superior Court by employees of Countrywide and their family
members, by staff of Bryan Cave, LLP and family members, and by staff of Sheppard Mullin el ill, LLP
and family members. I hope you could help by providing the part pertaining to Bryan Cave, LLP.
CC:
Todd Boock
CFC Legal Department
&
John Amberg
Bryan Cave, LLP
Attorneys for
Countrywide
Confidentiality Notice: The information contained in and transmitted with this communication [s strictly
confidential, is intended only for the use of the intended recipient, and is the property of Countrywide
Financial Corporation or its affiliates a~d subsidiaries. If you arc not the intended rec ipient, yOll are
hereby notified that any use of the information contained in or transmitted with the conununication or
dissemination, distribution, or copying of this communication is strictly prohibited h~, law. If yell have
received this communication in error, please immediately return this communicatioll to the sender and
delete the original message and any copy of it in your possession.
11114/2007
D qhally ,i9,mj by
';~ J(~.ephlernil(
• IJ (N. m,jo"'llh Zerr ik.

~L 'e!~,'il=.lZln~S""'<tr h
./ .~ i~k.net.£~lJS
, [jlteJOO7.1:.14
! / 01:'18:59 fl3'OO'
Joseph Zemik DMD PhD

Intemal Audit Committee
Sandor Samuels, Chair

Board of Directors, Bet Tzedek
John Amberg
Todd Boock
Counsels
By Email
Nov 15, 2007
RiE: COUNTRYWIDE'S CONDUCT RElAl1VE TO SAMAAN V ZERNIK AND CORRUPTION OF JUDGE CONNOR'S
COURT
Mr Mozao, Mr Samuels, Mr Amberg, Mr Boccie
Letter dated Nov 2, 2007, from John Amber!), contlJ)ues to beat around the bush, and fails to provide any of ttl€ anWIO'rs to
my questions, which attempt to uncover the specific. individuals and amduct 11al were involved in comJption of JUdge
Connor's Court, LA Superior Court, West Di5trict.
11 Your Ongoing Failure to Provide Notice of Protective Order

You continue to refuse to notice me of 1I1e Protectiv,e Order, purportedly issued and signed by Judge Connor on Ju~' :23,
2007. Your refusal to notice that order (:onli;ms wha11 suspected all along - tile reason is simple - no such on1er ex'sls!
Instead, you sent me a Notice of Ruling. based on ~,e Minu1e Order of the sa,ne date. That Minu1e Orcler is invalid [Cor the
purpose you are seeking. At its core it i'5 entirely based on a simple, f.3lse, anj de~berately misleading statement:
"7he proposed order is signed and effective as (If ~is date:
A<; mentioned before, Connor handled similcrty lhe Order Appointing ,Iudge C'Brien as ESGfow Referee, and I:, a degree--
also the Judgment itself. Deception came in variou:; forms and techniques:
declare an order in open court -- bu1 don't actuaRy sign any real order - e.g. Protective Order for Coufllrywl<le
declare an order in open court -- bu1 sign a corrupt document for U1€ lae - e.g, Referee for Escrow O'I3rien was
awarded an appointment as Discovl~ry Refl~ree. and ended up resigning since his appointment was never
completed.
sign a document and declare in open court that it is entered - bu1l11ell faa to enter ~ - e.g. Jud!}ment by Court
declare an order in open court -- then retre<:lt to chambers, and order the opposite into the file 111 a Minu1e Orc er.
then fail to notice parties of the change of IlliIld - e.g. - Minute Order of Aug 21
declare in court 000 reason for den~ll of a motion, and entire/)' different one in Minu1e Order - then make sure ltiat
litigant never gets access to file - e,;J. denial of eJctension of Discovery Cut Off Date_
enter a Minute Order for a hearing that was not heard, only to hide in it lI1e real minutes of her clisqualification,
then notice it only to Plaintiff, who would ne'/l.'" notice it to otru~rs. Again, make sure the file is never seen by
Defendant...e.g. - Minute Order of Sept 10, 2007.
Pk~ase also notice that the Minu1e Order of July 23. 2007 instructs Plaintiff to !live notice, Plaintiff probably received suet,
Minute Orders on a regular basis, Defendant never saw any of them.
~<ts this fully coormnated7
~~s it just silent understanding between two of .3 kind?
YcoU faa to provide notice of the purported Si!1ned Proposed Order, and I have never located such do<:ument em file.
would be glad to comply when I see such Court Ord,~, signed by Judge Conrnr.
• Page2 NovEmber 14, 2007
:2) Your ongoing failure to explain how the Ex Parte application of JI~6, 2007 was conceived ;lind Ilklteriali.;:cc[
You also continue to faa in any attempt to Ilxplain Judge Connor's conduct r'~lative to the hearing of the Ex Parte
application and the foIowing "noticed" motion.
How did it get be scheduled the way it was, outside of any standard of the West District of LA Supenor Court?
I suspect that Mr Samuels had something 10 del with it, with his friendship wt.h the court...
This point is of special interest, since Judg,~ Con.,.:>r transferred the case oUi of comprl3nce wtth the law 10 Judge
Goodman, who as you know took a few weeks to recall his friendship wtth N r Samuels.. But you \YOuld be most wdcome
to provide any other reasonable explanation. Absent an explanation, I woukl have to assume that it IS what it alwi!)'S
appeared to be - corruption of the court ard currying favor for CountrywiiJe.
;1} Seeking documentation for Coun~ide'sstanding as Intervenol~

_'udge Connor did her best to hide CountryMde's presence in the Court. An-J for that matter - 10 hide Counlrywide'~.
presence in the CoUft File. In the section listing partIes in Samaan v Zemik, I:;ountrywide is never even mentK)ned b'f
name, only as Intervenor. Although in other ~lS it is name Non Party, or Moving Party, it appears that Jntervenor is
the desigflation most often used by Judge ~onnor for Countrywide. Albeit, when I asked her in Open Court 1.0 explain
Countrywide's standing in the case, she avoided answering the question in cny meaningful w<Jof. CCP §387 provides Ihe
loundation for the designation of an Intervlmor.
Sections §337 says:
387. (a) Upontimolly application, any person. whC' ha s an interest
in the mailer in Irti~ation, or In the success of either of the
parties. or an interest against both, may intervene in he action or
proceeding. An in':ervenltof\ takes place when a third person is
pennitted to become a party to an action or proceeding between other
persons, erther by joining the plaintiff in clairr~ng wha' is sought
by lhe complaint, ,)r by uniling with the defendant in r~sisling the
claims of the plaintiff, or by demanding anything adve rsely to both
the plaintiff and the defendant. and is made by complaint. selling
forth the 9rou nds Jpon which the intervention resl:s, f led by leave
of the court and SHrved upon the parties to the action or proceeding
who have not app~ared in the same manner as UJon the commencement of
an original action, and upon the allorneys of the parti~s who have
appeared, or upor, the party if he has appeared without an allorney.
in lhe manner pro',ided for service of summons 01' in 'he manner
provided by Chapter 5 (commencing with Section 1C10) Title 14 of Part
2. A party served with a complaint in intervention rna) within 30
days after service move, demw, or otherwise plead ICl the complainl
in the same mann'~r as to an original complaint
(b) If any provisior, of law confers an unconditional right to
inlervene or ilthe person seeking interventioll clams an interest
relating to the property to "ransaction which i!, the sut ject of lhe
action and that pe'Son is ~;o situated that the displ)siti:>n of the
action may as a practical matter impair or impede tha' person's
abaity to protect that interest. unless thaI per!;Qn's intuest is
adequalely repres-mted by exisling parties, the court shan. upon
timely application, perma that person to intervene.
I of course have never been served with thE! Complaint in Intervention by Countrywide, neither could I find any olller
documentation in the Court Fie, when I finally got access to it, that w:>uId ex~,lain Countrywide's stand in';} in Samaan v
Zemik.
Could you please offer an explanation?
Absent an explanation, one must reasonably concllJde that Countrywide's presence in Court in Samaan V Zemik, and
JUdge Conno(s collaboration wtth such, were on ttteir face part of conduct th3t epitomized corruption of LA Superior
Courts by Countrywide.
• Page 3 November 14, Z007
In short, your presence in court in and of itself may be reasonably deemed by a reviewer as part of conduct that W.3S out of
compliance with the law, let alone your pretence to have gollen a k~aRy binding Protective Order, w11en no such crder IS
notice<! or even proven to exist
And Iefs not forget that this travesty look place in the mids1 of litigation based on fraudulent daims that coukj neve·' survive
in Court, had it not been for the steadfast support of Countrywide's Branch Manager - Maria Mclaurin, and the supply of
false and misleading Countrywide documents and declarations. Such (:orrpUance and coftusion in fraud included also the
failure to adequately respond by Mr Mozilo and Mr Samuels -when personaBy approached and nolilied in this r~i3rd.
And the goal7
To rob an individual who had no business with Countrywide, in broad day Ii ~ht, under the guise of Court action. But that
goal does not justify that level of involvement. I am no legal scholar, nor b,nk regulator, but I tend to see in it more 01 the
robber barons attempt to cover up massive fraud by Maria Mclaurin again:;t the US Government and the US tax payer:.,
with top management's acquiescence and silent :support.
Is this conduct criminal?
Does it amount to racketeering?
I would leave that for others to decipher...
On this bacl<ground. I welcome your threal to enforce the Protective Order 1hat never was ... it woukl force fil''St an LA
Superior Court Judge to review of the whde affait, and then probably also jUdges of the Appeals Court.
And finally - I am not sure what is your best estimate of the final cost of the Countrywide debade - both in dollar;, CIIW in
loss of standing for the US in world affairs... but the magnitude of it promiSES the establishment of SOIT!e investigat~)n
committees down the road, and therefore, there is also a good cha~,ce that Ihis whole affair be also reviewed by Ccngress
in a year or two...
).~
.Joseph Zemik
CC: California Commission on Judicial Perfomlance

Original Message -----

From: joseph zernj k [j zLn4~)@earthLink. net J
Sent: 12/02/7.007 09:51 AM PST
To: Amberg, ,John W." <jwamberg@BrydnCave.com>; Todd Boock;
sandor._ samue 1 s@countrywide. corn; Ange 10 Mozilo
Subject: PLEl\SE TAKE NOTICE! TIME) RESPONSE REQJE:3TED BY MONDl\Y, [,E:CD1BD:
2007, 5: OOPM
Dec 2, 2007
Countrywide
Mr Angelo Mozilo. Chair, Internal Audit Committee, Countrywide
Att Sandor Samuels, Chief Legal Counsel, Countrywide & Good friend of Judge Goodman
Att Amberg, Bryan Cave, LLP, Counsel for Countrywide
Att Boock, Countrywide Legal DepaI1:ment
RE: PLEASE TAKE NOTICEl TIMED RESPONSE REQUESTED BY MONDAY, DECFMlmR

3,2007,5:00PM
Mr Mozilo, Att Samuels, At1 Amberg, Att Boock:
This notice is written in response to your recent communications and purported notices of hearings and
purported claims:
1/17/2008
Page 2 of4
a) Ongoing refusal of Countrywide to address claims that C01mtrywide collyde9 illfrg_udJ!J1d_d~~l;:jJ

against Zemik in Samaan v Zernit through documents and declarations PLQQuced t~I_MllIia M.s;L~l~i!ill.
Branch Manager, San Rafael.
My claims were first reported to the Legal Dt:partment in December 2006. I have no evidence that
Countrywide ever produced any record regarding declarations and documents produced by Mc LaUlin in
Samaan v Zemik. Defendant holds sueh declarations and documents part of the core of the fra Jd
perpetrated in this litigation, as evidenced in correspondence between McLaurin, Kcshavarzi, and Lloyd
at the beginning of November 2006.
b) Ongoing refusal of Countrywide to addre~s claims that M~Laurin 1lISo_@.ggg~giowjd.Gsm:~!H!jI;m{

relativ~o government-backed residential mortgage loans, as..evigenced .i!Lth~!mifi~DJUJ~~denJi~UQj![!
applications (l 003) ofNivie Samaan
Again claims first reported to the Legal Department in DecembeT 2006. There is no evidence that
Countrywide has taken any action in this regard.
c) Ongoing refusal of Countrywide to addre;S3 question re~~Iging its ~<l[QD.~_G_ ill Jl!d-Rc.J~mm.Q!·'s.~~.1I1
on July_f> and July 23, 2007, out ofcorwli1!w;e with thel!!~~
On Sept 10,2007, in open court, in pro per, defendant disqualified Judge Connor pursuant to ecr
section 170.3, based upon a verified statement that included claims that amounted to obstructic-n of
justice, fraud and deceit, conspiracy, etc. Judge Connor never filed ,ill opposing verified statement fJI'
adjudication by one of her peers, as pmvided by that section of the law. Regardless of her oral
statements in court that she did not admit any of the claims, one must conclude that Judge Con nor
recognized her inability to effectively oppose such claims.
Claims against Judge Connor relied upon Countrywide's appearance on July 6 and July 23, 2007,
regardless of her rulings on these date~;. Countrywide too, has so far refused to answer: How dlid the
appearance of Countrywide on July 6,2007, 9:00am, in Samaan v Zernik come to be scht~duled on
that day, at that time, and in that m:anDer~~
d} L1!.ck_of authority of Judge S~W

Judge Segal has so far refused to provide any evidence that he was duly assigned, as required by law.
Like him, there is no evidence that Judges Goodman or Bledemlan were duly assigned, and Sup(:nri:;ing
Judge Rosenberg has refused so far to provide any evidence that any of these three was duly m:signed as
required by law.
Upon review of the case as a whole, one would reasonably conclude that the last 3 judges (#3, 4, and 5)
have been operating entirely without authority.
e) La~k'pf standing of Countrywide in_S~m~lJ1 v Zemik

Countrywide's standing in Samaan v Zernik has been inconsistently listed in court records. Uro~}/l
Countrywide's appearance, out of complianc,;: and in violation of the law, on July 6.2007, it \\>3S liskd
as "Plaintiff'. But most recently I noticed Countrywide listed as "Defendant". Other times it was li~;ted
as "Intervenor".
I by flOW have obtained photocopies, represented to be full and complete, of the perlod discussed abJ,Jc,
and no papers were found in such court fi les that would establish the standing of Ccuntrywide in
Samaan v Zemik as either Plaintiff, Defendant, or Intervenor.
DPum.orted "Protective Order" issu~Jnr..Il~~ Connor on J.lJbi.1.12007jQJftY.Q.u;lf~Co!m!IYY~i~j~-'1[}J

against Zemik
1117/2008
Please take notice:

- no such Protective Order was noticed by you to defendant, as ordered by the same court in July 20C7
- no such Protective Order, or notice of Protective Order was found upon search in court liIes
- no such Protective Order was noticed by you upon recent repeated requests by Dekndant
- Defendant has never seen such order
- Countrywide never claimed to have seen such an order
Upon review of the case as a whole, one would reasonably conclude that no such order ever ex,sted.
Perhaps you apply the same line of argument applied by Att Keshavarzi, an associate at Sheppard ani
Mullin:
-In a number of court briefs Att Keshavarzi repeatedly referred to "Judgment", or ·'.Judgment by Court"
- he also declared that a copy of such "Judgment" or "Judgment by Court" wa& provided in eX1ihits of
such briefs,under penalty of perjury
- but under the respective tab in exhibits he enclosed "Order Granting Summary Judgmt~ntA--fotion"
- and in open court he clarified that he was referring too the "Orlll Judgment", which he c1aim~ to have
reached through a "dialogue" that resulted in an "understanding" between him and Judge Connor.
Such absurd claims by Keshavarzi in open court, which served as the foundation for his motior 011
November 9, 2007, led to a ruling in his favor by Judge Segal. Upon review of this case as a whole, onc
would reasonably conclude that this line of argument is tried and true in this court in this casco
Pleas~ovidelu'. Tuesday, December 4->-~007, 5:00pm wiJhJ:he following:.

I) Any writings related to any internal investigation regarding declarations and documents that
McLaurin's produced in Samoan v Zernik
2) Any writings related to any internal audit or similar invl~stigation regarding allegations of fraud in
Samaan's loan applications (1003). Countryvvide claimed in Me~t and Confer with Zernik that nt' well
writings existed. Later in a note to Rabbi Bernhardt Countrywide claimed otherwi~,~.
2) Any writing related to investigation of Samaan's loan application by Office of Thrill Surerv:sion
(primarily relative to Countrywide Bank). Countrywide claimed in Meet and Confer with Zernik that no
such writings existed. Later evidence showed otherwise.
3) Any writings related to investigation ofSamaan's loan application by Office ofTraJe Commission
(primarily relative to Countrywide Home Locms). Countrywide claimed in Meet and Confer with Zemik
that no such writings existed. Later evidence suggested otherwi:;e.
4) Assignment Order of Judge Goodman
5) Assignment Order of Judge Biderrnan
6) Assignment Order of Judge Segal
7) Valid Protective Order signed by Judge Connor on July 23, 2007
8) Court File papers establishing the standing ofCountrywide as either "Plaintiff'. "Dejimdarll". or
"Intervenor"
9) Any evidence of dialogues, understandings, or other such ex parte communications by Countrywide
or individuals such as Sandor Samuels, that may have led Judge Connor to issue ex parte for
Countrywide an Oral Protective Order in favor of Countrywide and against Zcmik that is helCi valid by
Countrywide.
Absent evidence of a valid Assignment Order of Judge Segal to Samoan v Zernik, and a valid Protective
Order signed by Judge Connor on July 23, 2007, by Monday, December 3, 2007, 5:00pm. please
provide retraction and withdrawal of any and all documents you have recently medin Samaan v Zern ik.
1/]7/2008
Page 4 of 4
Any further Court action by you in this regard in Samaan v Zernik would only substantiate dckndant's
claims that Samaan v Zernik demonstrates corruption of the courts in LA by Countr)'wide.
Reasonable care in the practice of the law by attorneys Samuels, Boock, and Amberg requires ,:;areful
review of the documents mentioned in this communication prior to any further actions in court in
Samaan v Zernik.
This communication is not part of any discovery request. This communication is addressed to Au
Samuels and Mr Mozilo as part of their duties to safeguard the integrity of operations in Countrywide.
Countrywide here refers to CFC, Inc, and all its affiliates lmd subsidiaries.
Joseph Zemik
=:::::.::===:=======-===:::::::-:::::=.=============-==::::::====:::::::::==============:::::.::;:;:;.;:.::=-=======---======:=:-:::.::::::::::::::::===:~:.=
===:::::::::::::::::::=:::== ::::
Confidentiality Notice: The information contained in and l,ransmitted with this communication is S1:rictly
confidential, is intended only for the use of the intended recipient, and is the property of Country'wide
Financial Corporation or its affiliates and subsidiaries. If you are not the intended ro:cipient, you are
hereby notified that any use of the infonnation contained in or transmitted with the communication or
dissemination, distribution, or copying of this communication is strictly prohibited by law. If yOU havl~
received this communication in error, please immediately return this communication to the sender and
==-=========::.:.=: ===============-==========.:::::=====:=.::=====:::::: = ==============:===::::::=-=::====:======::::::= ::::.:=:.:::.::::: = ~::::: :::=::::::::== :;::::=::::. =:
1/17/2008
joseph zernlk <jz12345@earthlink.net>

To angelo_mozilo@c:ountrywide.com. sandof_';amuels@coun~'Y\'Iide.o;(Im
cc
01/091200803:37 PM Subject URGENT! TIMED RESPONSE REQUESTED BY WED, -lJ'NUAHY !I, 21
5:00PM
,January 9, 2008
Gentlemen:
Attached are copies of key Countrywide documents that I hold

fraudulent, aod that were entered as evidence in Samaan v Zernik
(SC087400j. Following the NYT story Jan 8, 2008, regarc.inq
""recreated" Countr:ywide documents, and the subsequent drop 10 :3hare
price, I thought that you may want. to review your stand on this issue
prior to FLiday's court hearing.
Who knows if Countrywide can survive too man stories li~e that!
Joseph Zernik
Joseph Zernik DMD PhD 241 i Sllint George 51.l05 Fa.l CA SG027 Fa~' \BOn 9!18-0917 E 71.11' jzl7345@aar'hinu.n.,1
January 9, 2008
Angelo Mozilo, Chair - Internal Audit Committee

Sandor Samuels, Chief Legal Counsel
1
Countrywide
RE: Samaan v Zemik, SC087400 TIrrted Response Requested by Wed, Jan 9, 2008, at 5:00pn],
Gentlemen:
Convergence of events this week led me to believe that you would possibly change your stand on the matter below, and
finally stop the real estate fraud and litigation fraud conducted against me through Countrywide fraudulent documents.
On Tuesday, January 8, 2008, the NYT published a story regarding a somE.'what similar real estate litigation in NY, 'Ntll~m
finally it was admitted by counsel for Countlywide that documents entered as evidence were in fact "rl~created· letters.
That story cause yet another drop in Countrywide's share price, en<jing the day at $5.47, when not teo long ago it ~vas s:iJl
in the $4O's. Rumors that Countrywide is filing for bankruptcy protection were denied.
And on Friday, Jan 11, 2008, we have a scheduled hearing for CountIyv'/ide's motion for sanctions against roo, folbMng m/
previous requests that you verify these documents.
Again, this request is by a member of the public allarge, based on your duties as officers of Countrywide. Such du·:tes a"e
emirely independent of litigation in Samaan v Zemik. And therefore, regardless of any rulings and orcers by the Santa
Monica Court, you would likely be held accountable for such long after Samaan v Zemik is put to rest one way or another.
\Nhat a year it was I

Around early December 2006, whie reviewing aiscovery files in rT1f attorney's office, I learnt for the first lime that CountryWide
was a name of a firalCiaI corporation. CFC SHARE PRICE - $ ~~9.iJ(J,
By around Ctvistmas 2006 I called the Legal Department for the first time to voice my concems that thll subpoena produ>:ed
by Countrywide included fraudulent documents. CFC SHARE PRICE - $ ~12.IJC'
By early in 2007 I vvas making claims that Sar18an's relationship with Countrywide was beyond thaI of a borroVl~~r, I
was called by Keshavarzi a conspiracy theorist CFC SHARE PRICE - $ :17.00
o But that stopped after the email correspondence between JR Lloyd (Samaan's husband;· and Maria MGUlurin
dated Nov 3- Nov 6, 2006 was reveaied.
• Later I claimed that litigation in Samaan v Zemik was driven by and for Countrywide. Again I was dubbed conspiracy
theorist, most recently in Judge Segars uniquely dishonest rec:usalletter following his disqualific<ltion Deeembo:!r 4,
2007.
o But recently I found out that the Court's own Case History in Sustain, which normalt:, Is not accesillb~~ 10
the pubic, on page 1 carries a nole, llntered by Judge Connor's Court on July 24, 2007 Hlut retroactivl!ly
date-stamped 10 July 24, 2(04):
Countrywide Home Loans, Inc
Real Parties [sic -jz) In Interest
• By June 2007 I wrote to both of you, and asked that you verify a document purported to be a valid, genuine
Countrywide Underwriting Letter dated October 14, 2004, or was faxed and received in mid-Octo:Jer 2004 ~n faGt- it
was time stamped Oct 26, 20(4). CFC SHARE PRICE - $ :36.00
o You responded by initiating in July 2007 an ex parte plOcedure for a gag order in Judge Connor's court
o But more recently, all documents related to that procedure were among those eventually found in a hic!den
Volume IV Continued. apparent~' deemed a ~ability by the Court.
o In a classic Connor, the gag order itself is nowhere to be found, not even in Volume IV' Continued!
By August 2007 ~udge Connor issued a Summary Judgment in favor of Samaan, where the key documents WHre
1 Countrywide here designates CFC, Inc and/or any of its subsidiaries and affiliates, jointly and/or severally
• Page2 Janual)' 9, 2OC8
1) The Underwriting Letter, described above, and

2) A document purported to be a contract for purchase of real property that was faxed by loan broker Parl<s to
CounlI)wide on October 25, 2004, 5:03pm CFC SHARE PRICE - $ :i~O.OO
• By the end of November 2007 I was driven oul of my Beverly Hills home CFC SHARE PRICE - $ 9.1()(J
• By the end of December 2007 my house was sold to Samaan and my equity of more than $700,080 was kept
hostage by a receiver appointed in an order that is out of compliance with the law. CFC SHARE PRICE - $ 9.01)
• By Janual)' 8,2008 NYT published a stOl)' reganling ColntIyNide documents entered il oourt il real ~.tate litigation in NY,
ooich tLmed out 10 be "recreate<1', and share pic:e p•.mmeted, oole Countrywide denied nrnors of balkruptcy.
CFC SHARE IPRICE - $ 5.4'1'
I am writing to ask that you review again the two key documents providEd to Sarnaan by Countr)wide. I hold that each of:he:;e
documents is the product of fraudulent scheme:
a) The Undeiwriting Letter, unsigned, was printed on October 26, 2004, and was invalid at bith - it showed the name of Ciane
Frazier as t.rtderwriter, but i was never issued by Diane Frazier. Furthenrore, ~ was not even part of Countrf'WKle's loan fj,~ until
Apri of 2007 (my guess - it was part of Maria McLauril's private coIection)'
b) The Purchase Contract was never faxed to Countrywide by Loan Broker Victor Parks at lhe time indicated in the
anonymous fax header imprint, and was never reo~ived by Countrywide at that time. Uke most of the documents in
Samaan's loan file, ~ is the product of a faxlwire scheme that upon review is likely to be deemed wire fraud. Such had to
have a partner on the receiving side, most likely Maria Mclaurin herself. How such escaped your intemal audits, e:<lemal
audits, etc, is still unclear, since it allowed construction of complete loan files that were off the record'
Over a year after my first alert to Countrywide's Le9al Department, there is no indication that Countl"y\!ride has taker any
measures to stop these significant weaknesses and material deficiencies.
Please review again the two documents referenced above, and let me know no later than Wed, Ji!!1.~
2008. at 5:00pm If these documents dare genuine or fraudulent documents. In case Y':H.l concur \/lrlth
me that such are fraudulent documents, I \'VOU1d also request that you ask your counsels to ca~~1 tlM~
court appearance on .Jan 11, 2008.
).~
Joseph Zemik
Attached:
1) NYT stOI)' re: CounlI)wide's 'recreated" documents, Jan 8, 2008
2) Yahoo chart of CFC share price
3) Notice of document: Underwriting Letter fr::lm Countrywide
4) Notice of document: Purchase Contract from Countrywide
Page 201'4
From: joseph zernik [mailto:jz12345@earthlink.net]

Sent: Tuesday, January 15, 2008 2:39 AM
To: admin@wisela.org; info@sinaitempfe.org; stpeterit@yahoo.com; Avram Mandell; Abigail Spiegel; Delici2
Smith; Jenny Goldberg; Kelly Nadeau; Rabbi Kenneth Chasen; Rabbi leah Lewis; Robin Foster; Robin R:lsenaw;
ROl Kane; Sharon Rose Smith; Thierry Weibel; Cantor Wally SChachet-Bri; Yaakova Vogel; info@bnaihorin.com;
info@bnaidavid.com; ZYalovsky@ajula.edu; PAlvclrez@ajula.edu; DDolder@ajula.edu; JStuilI1@ajula.ed IJ;
JRondinelli@ajula.edu; MBennett@ajula.edu; JKa(asik@ajula.edu; nbecker@ajula.edu; foliver@ajufa.edu;
khailpern@ajula.edu; dpowell@ajula.edu; hkuhn@ajula.edu; jflores@ajula.edu; jarnold@ajula.edu;
asaxe@ajula.edu; ayonekawa@ajula.edu; alonim@ajula.edu; gan@ajula.edu; GBrennglass(I~lajula.edu;
IWaskow@ajula.edu; JStrear@ajula.edu; CPassin :§lajula.edu; LZadoyen@ajula.edu; Arts@ajula.edu; NLieL>eITll,ln-
giladi@ajula.edu; RWernik@ajula.edu; AFifer@ajula.edu; EGrice@ajula.edu; KSmilen@ajula.edu;
SEdefman@ajula.edu; MWeisberg@ajula.edu; JGelb@ajula.edu; BArtson@ajula.edu,; CPereu(Qlajula.edu;
Mlexander@ajula.edu
Subject: MOZILO AND SAMUELS ARE COLLUDING IN REAL ESTATE FRAUD, MORTGAGE FRAUD AND FAX!WIF.E
FRAUD PERSONALLY, KNOWINGLY, AND DEUBERATELY!
By email to:
Sandor Samuels
Chief Legal Officer, Countrywide
President, Bet Tzedek - "House ofJustice"
Angelo Mozilo
Chair, Internal Audit Conunittee, Countrywide
DECLARATION OF JOSEPH ZERNIK:

MOZILO AND SAMUELS ARE COLLUDING IN REAL ESTATE FRAUD, MORTGAGE
FRAUD AND
FAX/WIRE FRAUD PERSONALLY, KNOWINGLY, AND DELIBERATELY!
I, JOSEPH ZERNIK, hereby declare as follow~.
1) I am Defendant & Cross-Complainant ill Samaan v. Zernik, Los I\ngeles County Supt:r!or Court CIS~
No, SC:087400. 1\s
such, I have personal knowledge of the facts set forth herein, which I know to b,: true aI: d correct ami, .J
1/15/2008
Page ~, of 4
called as a witness, I
could and would competently testify with respect thereto.
2) Samuels & Mozilo are colluding in the theft of my home and my equity, through the filing of fraudulent
documents in
court, as was shown on January 8,2008 in )Jew York.
3) Samuels & Mozilo personally colluded in real estate fraud perpetrated against me in :3amaan v ':elmk.
Both were
notified of such fraud months in advance, but opted to jet il proceed uninterrupted.
4) Your claims that my "emails are false and defamatory. Thev falsely accuse Country" ..v'ldc of rn<.r1g:lgc fnud
ami
wire fraud, which is an outrageous and damaging accusation", arc Ihemselves false and misleading I
specificalJy
state that Mozilo & Samuels are mvolved in such conduct. For your convenIence let me repeat these
statements:
i. In Samaan v Zemik, Samuels and Mozilo, ptrsonaUy, knowingly, and deliberately colluded in re~ll t"state
fraud against me with Samaan and Keshavarzl (Sheppard Mullin), by filing fraudulent I :ountrywidl'
doculllents III
court.
ii. Central to the fraud were the following two documcms:
a. i\n lIl\'alid, unsigned Underwriting Letter issued October 2(i, 2004, which was fa Is eh' rcprcsemc,.l :'.s a
valid '
Underwtlllllg Letter, issueu by Diane Frazier cn October 14, or fvbd-October, and wa:, J1(vcr cven pari or
the 1,oan hie until i\pril 2007, and b)
b. A bx copy of a Purchase Contract, bearing rax header imprInt of October 2\ 2004, :l:.:l3pm, ,"~hch wa:,
represented as f:Jxed at that time by Victor Parks from \Vashingtoo Stare to C. mntrywlcle in California, and
which in fact was faxed al that time from Samaan to her husband, both in I,i\, ;tnd is like must of 1hl.'
documents in Sarnaan's Lo:m rile part of a scheme that would be c1eemcu hlxl.\Xo'ire Ir;hld upon rc,i(w.
iii. Counlrywide's subpoena production in Sarraan v I.ernik presenls Iht· road map for Jllortgage flaud by
Country'wide agamst the government, in my estlmate - about $S 10 billion per ycar in Ihe small San Ra :ael
branch alone.
iv. CountryWIde's subpoena production in Sarnaan v Zernik presents in brreat detail wue/ fax fraud that
allowed
construction of full loan files off the record, bypassing regulations.
5) Samuels and Mozilo must not "reserve the right to take all available legal acli.)Jl against
you, and to seek all available remedies", they should take action forthwith!
I make thlS declaration under penalty of perjur, pursuant to Ihe laws of the state of
Califorma. Signed here, in Los Angeles, California, January 1S, 2007.
JOSEPI I ZERNIK
======-.-:::.;;.----=-=====-==:;:..::;======--==.=:::-....:==::::==:
~:::::::--:==-=.--:: :.::.::=-==:::=====-=.::::::~ ._-
==;.=====.===:=-;:~:=:=:=-=~==_::._- .-:=:::.: .::.::::.:.__ .•.- .-
Confidentiality Notice: The infonnation contained in and transmitted with this communication is ,;tril~llly
confidential, is intended only for the use of the intended recipient, and is the property of Countrywide
Financial Corporation or its affiliates and subsidiaries. If you are not the intended fec tpient, you arc
JIl5/2008
Page 4 of 4
hereby notified that any use of the infonnation contained in or transmitted with the commlmicati\m or
dissemination, distribution, or copying of this communication is strictly prohibited by law. Ifyoll have
received this communication in error, please immediately return this communication to the sender and
===::::==:==='=====::=:=----=============~~=:::::::.:::;:;::---============:==:::::::::--===---======::=-=:=.==-::::====.;::::;. :=.::
1/15/2008
Dl<j,ta ~sigr>E."l:r by
:. ,,0 ;.~pI Zf-ffl k
[JI',:,,,"),,,,,pt,
" .~,_ /1 Zemik.
j ~vvL. ;"'l:!'b JI1HIS ...••
,ttn1>l.Jie CC o\:s
,/ D.:Ie:.;OOt.Ol.l3.
!:.' 0333;,'5-)8'00
DINNER GAIA FOR BET TZEDEK

- HOUSE OF JUSTICE
On January 22,2008, at Hyatt R(~gency

Century Plaza, Bet Tzedek, a .rewish Legal
Services will hold its 20th Annual Dinner Gala.
Of interest, Presid'~nt of the Board Sandor Samuels
is colluding in fraud with G..Ja Chair Att David
Pasternak. Detail~. of the fro.ud were coordinated by
two other attorneys at Countrywide - Todd Boock
and Sandy Shatz, who identified themselves as
Jewish observant, and threatened action if called to
court during Passover, and thereby avoided
discovery. The case is being reviewed before former
Bet Tzedek Executive - Judge Terry Friedman of LA
Superior Court, who on Friday, .January 11, 2008
refused to be disqualified... Two of the direct
beneficiaries of the fraud are still to join the Jewish
charity - Mohammad Keshavarzi of Sheppard
MuJlin, and Ni\;c Samaan.
Tom 'Vaits will make a r-are Los Angeles
appearance and pcrfonll a few songs. Dinner
Tickets are $400.00 each, for more
information cal]: can (323) 549-5813, or
email tmumb:ll~)aol.com

January 12, 2008
Sandor Samuels, Chief legal Counsel

1
Countrywide , 2
President of the Board
Bet Tzedek - House of Justice
By Fax: 323.549.5880
RE: MR SAMUELS - PLEASE STOP YOUR FRAUDULENT CONDUC:T
Mr Samuels:
On Friday in Santa Monica court' appeared before your friend, JUdge Terry Friedman - former Bet T;~edek executi'Je as
weR.' explained that approached you in the past, and I approach you now again in your capacity as F'resident at" Bet
Tzedek - "House of Justice", a voluntary public figure, appe3ring under the biblical roo110 - zedek zedek tirdclf
- tireless pursuit of justice.
It is a shameless hypocrisy that you hold on to your position at Bet Tzedek. last week media reportej that Countrywide
filed "recreated' documents in court;n New York. l\od documents I obtained as part of SUbpoena in Samaan v ZelTIJk
show the roadmap for fraud againstlhe government in billions of dollars pel year in just one smaH brar>ch.
I hold the following Countrywide documen1ts to be part of' fraud against me:
I) Undelwriting Letter (Loan # 81737375), unsigned, issued on OCtober 26, 2004

It WclS invalid at bir1h - it showed the name of Diane Frazier as underwri:er, but it was never issued by Diane Frazier. FurlJll,m lOIe.
it was not even part of Countrywide's loan file until Apri of 2007. My guess - it ....as part of the private trovE' of fraudulent
documents of Maria Md.aurin. the Branch Manager herself!
2) Fax copy of a Purchase Contract from .same loan file
It was never faxed to Countrywide by Loan Broker lfictor Parks at the lime indicated in the anonymou!; fax header irnplint,
and was never received by Countrywide at thatlilTlt~, Like most of the documents in Samaan's loan file, II is the prodm:t of
a faxlwire scheme that upon review is likely to be doomed wire fraud (up to 40 years in federal prison). Such had 10 haVE'
a partner on the receiving side, most likely, again - Maria Mclaurin herself. How such escaped your i'lternal audits
extemal audits, etc, is stiR unclear, since it aUowed construction of complete loan files that were off the reconjl
I call upon you to immediately resign from your position at Bet Tzedek;
alternatively - to appear before a .Jewish Court - Bet Din - to review my claim of
Gnevat ha-Da'at, or Fraud on the Public stemming from your service as President
of Bet Tzedek in and of itself.
Please respond by Tue, .Ian 15, 2008, and let me know your conclusion regardil1lg
these two documents. Please also provide me with a copy of the investigation
report that you referred to in a communication 'With Rabbi Bernhardt, <lInd
presumably found my claims to have no melit at all.
Joseph Zemik
cc: Board members of Bet Tzedek, and others in the jewish an(L'or the legal community.
Attached:
1) NYT story re: Countrywide's "recreated" documents, Jan 8, :2008
2) Bet Tzedek web pages that were hastily removed, where yOJ appeared as fraud buster
1 Countrywide here designates CFC.1nc andlor any of ib subsidiarie3 and alliliatlls,joirrUy andlor seve",1y
2 NoW: Business aIIiIiations noted lor identification purposes on I) .
January 8, 2008
Lender Tells Judge It 'Recreated' Letters

By GRETCHEN !\JORGENSON
The Countrywide Financial Corporation fabricated documents related to t.he bankruptcy case of a Pennsylvania
homeowner, court records show, raising new qUCl;tions about the business practices of the giant lTtortga~e lend ~r at the
center of the subprime mess.
The documents - three letters from Countrywide addressed to th<~ homeowner - claimed that thE borrower owed the
company $4,700 because of discrepancies in escrow deduetio-ns. Countl)"Nide's local counsel descilJed the letkrs te,
the court as "recreated," raising concern from the federal bankruptcy jud~;e overseeing the case, 1110 rnas P. Agro'stl.
"These letters are a smoking gun that something is not right in Denmark," Judge Agresti said in a Dec. 20 hearing in
Pittsburgh.
111e emergence of the fabricated documents come:; as Countr;rwide wnfr(Jnts a rising tide of complalllts from
borrowers who claim that the company pushed them into ris~y loans. The matter in Pittsburgh is om' of 300
bankruptcy c.ases in which Countrywide's practices have come under scrutiny in western Pennsylvania.
Judge Agresti said that discovery should proceed so that thost~ involved in the case, including the Ch-3pter 13 tn:sll'e for
the western district of Pennsylvania and the United States trustee, could detennine how Countl)wide's systems might
generate such documents.
A spokesman for the lender, Rick Simon, said: "It is not Countrywide's polk')' to create or 'fabricate any documents as
evidence that they were sent if they had not been. We believe it will be shown in further discovery lhat the Countf)Wlde
bankruptcy technician who generated the documents at issue did so as an efficient way to convey I'll dates th,.~ ('scm",
analyses were done and the calculations of the payments as a result of the analyses."
The documents were generated in a case involving Sharon Diane Hill, a homeowner ill Monroevilk, ['a. Ms. Hill filed
for Chapter 13 bankruptcy protection in March 20m to try to save her home from foreclosure.
After meeting her mortgage obligations under the 6o-month bankruptcy plan, Ms. lIil1's case was dm:harr,cd and
officially closed on March 9, 2007. Countl)'1ovide, fhe servicer on her loan, did not object to the di~,ch;lrge. roul1 re('ord~;
from that date show she was current on her mortgage.
But one month later, Ms. lIil1 received a notice of intention to foredose from Countrywide, statint~ that she was in
default and owed the company $4,166.
Court records show that the amount claimed by Countrywide was from the period during which t-.b [till was rnaki.:lg
regular payments under the auspices of the barlkmptcy court. They included ~monthly charges" tutalng S3,840 fTl'1I1
November 2006 to April 2007, late charges of $1213 and other charges of a.lmost $200,
A lawyer representing Ms. Hill in her bankruptcy case, Kenneth Steidl, of Steidl and Steinberg in Pittsburgh, wmte
Countrywide a few weeks later stating that Ms. Hill had been deemed current on her mortgage during the perilxl irl
question. But in May, Countrywide sent Ms. Hill another notice stating that her loan was delinquent and dt?mandillg
that she pay $4,715.58. Neither Mr. Stei has also represented Ms. Hill, returned phone c<Jls
seeking comment.
Justifying Ms. Hill's arrears, Countrywide sent her lawyer COpies of three letters on company letterhead addre:ssed to
th{~ homeowner, as well as to Mr. Steidl and Ronda J. Winnecour, the Chapter 13 trustee for the we;tern district of
Pennsylvania,
The Countrywide letters were dated September 2003, October 2004 and March 2007 and showed changes in esaow
requirements on Ms. Hill's loan. "This letter is to advise you \l,at the escrow requirement has changed lX,r the escftoW
analysis completed today," each letter began.
But Mr. Steidl told the court he had never received the letters. Furthermore, he noticed that his address on the first
Countl)'Wide letter was not the location of his office at the time, but an address he moved to later. Ne:thE'r did th('
Chapter 13 trustee's office have any record of receiving the lett'~rs, court records show.
When Mr. Steidl discussed this with Leslie E. Puida, Countrywide's outsidE' counsel on the case, he :;aid Ms. PlIica 10ld
him that the letters had been "recreated" by Countrywide to renect the escrow discrepancies, the ('curt transcript
shows. During these discussions, Ms. Puida reduced the amou ot that Countrywide claimed Ms. lIi1l owed to $I.~,O('
from $4,700.
Under questioning by the judge, Ms. Puida said that "a processor" at Countryv.ide had generated the letters to :,how
how the escrow discrepancies arose. lbey were not offered to prove that they had been sent,~ Ms. Puida said. Bur she
also said, under questioning from the court, that the letters did not carry a disclaimer indicating hat they were n(·t
actual correspondence or that they had never been sent.
A Countrywide spokesman said that in bankruptcy cases, Countrywide's automated systems are se,metimes overridden,
with technicians making manual adjustments "to comply with bankruptcy laws and the requirements in the
jurisdiction in which a bankruptcy is pending. nAsked by Jud:~e Al~esti w.hy Countrywide would go to the trouble of
"creating a letter that was never sent,n Ms. Puida, its lawyer, :;aid she did not know.
"I just, 1 can't get over what I'm being told here about these recreations," .Judge Agresti said, "and wnat the pur~m.e is
or was and what was intended by them. n
Ms. Hill's matter is one of 300 bankruptcy cases involving Countrywide that have come under scrtltiny by Ms.
Winnecour, the Chapter 13 trustee in Pittsburgh. On Oct. 9, she askl-d the court to sanction Cuuntrywide, contend; nl~
that the company had lost or destroyed more than $500,000 in decks paid by homeowners in bankruptcy from
December 2005 to April 2007.
Ms. Winnecour said in court filings that she was concerned iliat even as Countrywide had mispla<:ed or destmYI~ the
checks, it levied charges on the borrowers, includi ~g late fees and legal costs. A spokesman in her office said she w:m!C:
not comment on the Hill case.
O. Max Gardner 1lI, a lawyer in North Carolina who represent.s tfCoubJed borrowers, says that he rOlltinely sees Imders
pursue borrowers for additional money after their bankruptcies have been discharged and the courls have determined
that the default has been cured and borrowers are current. Regarding the Hill malter, Mr. GardnH said: "The nal
problem in my mind when reading the transcript i:; that Coun'~;de'slawyer could not explain how this happE'nCiI.'
Fro et Tzedekls Web Site 6/20/~~
Bet Tzedek Website"
Call Bet Tzedek
By Sandor Samuels, BT Boara President /006·2007
Whom do you call if you are elderly and someone is trying

to evict you from your apartment or your house? Whom
do you call if you are a holocaust survivor and are being
denied your rightful reparations? Whom do you call if you
need to care for an abandoned grandchilci or niece or
nephew? Whom do you call if you live in a nursing home
and are being denied appropriate care or treatment?
And whom do you call if you are being denied your ri9htful
wages or are being forced to work in sub!,tandard
conditions')
The answer to these and other legal problems afflicting the

poor and the elderly in our community is 3 resounding BfT
TZEDEK. I'm proud to be the President 0" the Board of Directors 01 such an organization.
I'm especially proud of Bet Tzedek 5habbat, a new outreach campaign that \o\e conducted
on March 17th and 18th.
On March 17th and 18th, aet Tzedek';

me:,S3;je was dehverecl in congregal'c,ns all
across the southland. RabbIS and members of
Bet Tzedek's Board of Clirectors deli' Ered a
drash - a sermon - for Parshat Ki n·,.1, the
portion containing the tllIrteen attlllJutes of
Goel. Thes'~ attnbutes Include corn~'il"sion,
kindness and mercy, The messag.~ is Simple
yet powerful: All who are in need, co ne and
we will try ':0 help.
This is what we do at Bet 'rzedek: try to help

all who come to us. On Bet Tzedek Silabbat,
nearly 10,000 congregants heard (,ur call for
mOl'e volunteers. And you, too, Gin be part
of Bet Tzedek.
Please display the same attributes of

compassion, kindness and mercy by
vofunteerinq your time to help further Bet
Tzedek's m,ssion. Read more about our work
in this e-neVl'sletter and on our welJ~;lte, Then
call Bet Tzedek's Volunteer Coordincfc,r, Robin
Sornmerstein, at 323-549-5814 Or email her af
rsorCLn}g[iliW.@Q~tt.z.e.Q~k.o[g to g,'t Involved.
Thanks to the following synagogues and churches for participating in Bet Tzecek
5habbat:
Adat Ari EI Sinal Temple

Beth Hillel Stephen 5. Wise
Beth Jacob Congregation Temple Adat Elohlm
Beth 5hir Shalom Temple Aliyah
B'nai Benet (Simi Valley) Temple Beth Am
B'nai David Temple ISiliah
B'nai Horim Temple Israel of Hollywood
Leo Baeck Temple Temple Ju,jea
51. Peter's Italian Church University Synagogue
Printed for jzl 2345@earthlink.net

bettzedek.org 6/20/07 Sandor E. Samuels is Senior

Managing Director and Chief I_egal
WELCOME NEW BOARD PRESIDENT Officer for Countrywide Financidl
Corporation (NYSE: CFC) I a
diversified financial s.ervices
We would like to congratulate and provider and member of the S&.P
welcofne new Bet Tzedek Board 500. He also serves on the
President Sandor E. Samuels. Executive Committee of
Countrywide Financial Corporation.
As the organization's Chief Len<tl

Officer , he;l1y,,:ers··~Jth·~
,,,,'\;'If.,,EL _",.., ~
~'ti'!i'')~.;t-iD~t,~·;;:t;entiJaJ;6i;\~~·an("
Mi.~.-. ......~j. ..~!l~ .,.\.'t.. ~ ~~ ~ ~i~U:M.!~.'",J~.
JltfiM lp'W'..n+il·IiSffi'fii "?ci·' --~--rv- iii!"
i"'~ .. ,y.~- t~t&gW .1...,... ".~.J ... r.lJJ).J;W~>e; and
advises senior mana~wment on
legal issues. Sallluel~.' previous
executive positions ill Countrywide
include 1'>1anaging Dir,::,dol, General
Counsel and Sl~cretall{. He johpd
Countrywide in 1990.
A 1974 graduate of Princeton

University 1 Samuels recejvl~d his
law degree in 1977 from the School
of Law at the University of
California, Los Angeles. After
graduating from law ~;(hool, lw
selvE~d as Law Clerk I' Dr U.S. District
Sandor E. Samuels Judgl~ Irving Hill.

()
Todd To jzl2345@e<lt1hlink.net@CWEXTERNA,l
800dJAttomeylL~aVCflCCl
031281200701 :03 PM
Me Zemik.
I am in receipt of yourletter dated Mardl2G, 2007, but seot to me via e--rnail on Mardl 27, 2<X)"j'
Your letter has raised numerous issues that W(l are looI<ifl<J into at this time. Please be advisC(J that we
are diligently researching the issues rdised by your lettef and will o:>mply with our legal obIigatioo:, as to
your subpoenas.
In my March 23rd e-rnaillo your fOfmer attorney zachary Schorr, I (eq'Jested that we set up a
mcet-3I1d-confef telephone can. Sinal he is 00 Ioogef representi~J y<IU, I am making the sanl<: request to
you. Please provide me with a fevl convenient limes to qllI you 00 Monday ()( Tuesday, Apr~ 2nd or 3rd.
lhis should give me suffICient lime to IUlly reviow and research the issues raised by your and Mr. Schorr's
letters, and to determine whether addi(iooal responsive documents 6X1st
In the intelim, we kindly ask that, sillC(! you are aware that Countrywide is represented by counsel, you
direct all communications regarding this matte. solely to me.
Thank you fO( your anticipated cooperation, :Olnd I look forwar<;l to speclking with you.
ToddOoock
"151 VP, Sr Legal Counsel
CA In-House Utigalioll Legal
81~71-6045 ocr"", SUO Las Vl<\iCOCS Rd

92·585-6045101''''''ll Mal Slop: AC- t 1
81~14GG9 Fax Calabasas, CA91302
jzl2345@earthlink.nct
1
j
jz12345@earthlink.net To Todd_Boock@Ccl\JntIyWide.Com.
Msriela_Ganja@CouulryWide.Corn
031281200701:31 PM
cc
bee
Subject Re: URGENT- LETTER TO An BOOCK TIME. RESPONS;'
DEMANDED BY S:OOPM ON THURSDAY, MM~CH 29, 200 7
Macch 21l, 2007
Dear Hr Boock and Hs Garcia:
You had mace than enough time to consider this subpoena, flcst set:vecl
in August 2006! You had suEficl.ent time to pn!pace the cepeat
subpoena in Janudt:y 2007, but chose not to addr.ess the concecns you
were infocmed of in December 2001,.
Please respond to demands in my letter: by Thursday, March 29, 2007, 5:00pm.
Depending on yom: Le~ponse by tlwt deadline r may be interested in

meeting you next week, on Tuesday. You np.,~c1 1:0 shO'~ j;oma intention 1:0
comply, not just obfuscate.
Messages in this r:cgar:d are also copied v> Maciela Gar:cia, since as
the per:son who signed on the declar:ation of Custodian oE Records, sll,'
may suEfer consequences in pet:son, e.g, aqainst he;:: paralegal
license, and she may lle inter:ested in hiring her 01.n legal
representation, given Ule conflict of interest that would not allow
you to represent her.
If Ms Garcia provides hel· attorney's ema:.l addres:;, J would be giael

to forwat:d messages to hiv).
Sincer'ely,
Joseph Zernik
'.-
Todd To jz12345@earthfio\<.oet@CWEXlERNAl
BoockJAttomeyflegaVCFICCl
031281200704:56 PM
Me Zemik,
I am writing to respond 10 your most recenl u-mail. sent earlier today.
In your e-mail, you raised a concern that we have had ~nce August 2006 to respond to tlm issues
discussed in your recent CQlTespondeoce. Wc respecthJlly disagfee. The subpoecia yoo sef\'oo in
August 2006 was entirely different than the ~ubpoena you 5efVed in January 2007. The AugU:it 2006
subpoena was a generalized request for do<:umems relating 10 a loan application The JanualY 2fXJ7
subpoenas sought nineteen separale categ<,ries of doa.rmeots, many of Which included sufx:;3tegooes.
We timely responded to both subpoenas and produced documents.
Most of the issues that your attomey raised in his March 19, 2\$)7 letter and tlm new issues you raised in
your March 27. 2007 letter were nol raised b f any of the subpoenas. They were brought to m~' attention
for the first time in these recent letters. PIt;Ja,;e note that we are not a party to the lawsuit. wem never
served with thc complaint and are not as familiar with ltle issues in the case as you appear to be. As I
explained in my prior e-mail, we arc attempting to diligently respond to your letter and research the issues
you have raised. Unfortunately. this takes some time to accomplish, and we intend to take UH~ necessary
amount of time to comply with our legal obligations.
Your attempts to ·meel and confe(' by sending us lengthy letters and lists of demands are not ,n good
faith. Giving us less than 48 hQUfs 10 reSpJll:J 10 Ihese I(llters is also not in good faith. nor d<X:li it follow
the spirit of meet ~ coofer contemplated ~'lhe Los Angeles County Superior Court local nJl<~;. Each
and every timc we have attempted 10 engagE' in a reasonable meel ancl confer wilh you or your atlomey.
we have been rebuffed ()( ignored. We willt<:lkc the appropriate lime 10 resean;h the issues laised in youI'
letters and, once we have done that. we will engage in a substantive disaJssion with you abo\.~. the issues.
you have raised. We would like to WOf1< with you to resolvc each of these issues and are mow than
willing to take the lime to go (Ner each of them with yOu. In that vein, I again ask you when you are
available to meet and coofer over the telephone on Monday ()( Tuesday. April 2nd or Jed? Plca5C pmvi<1<;,
me with a few times thai you are available. I will let you know what wol1<s with my schedule unci I will call
you at Ihat time.
Inddentally. whilc your Mardl 27. 2007 letter makes refCt'encc to certain exhibits. Ulose exhibit i are not
attudlCdlo your letter (only descriptions of lh~ cxhibits are included). So that we aw certain w·~ know to
what you refer in your letter, please provide the exhibits as soon as possible.
Flll3Ily. your Ulfeats against Ms. Garcia are whoUy inappropriale and not well taken. Please immediately
cease making idle threats against Comtrywide employees in general and Ms. Garcia in particular. I
represent Ms. Garda, and I again reiterate Ul;lt any communications to Countrywide oc its emr~oyecs
should be directed solely to me.
Mr. Zemik, I assure you Ulal we areworl<ill<J (j;Jligent1y to respond to your GUbpoonas and lattors. We hope
to W<Xk with you to resolve your issues and move focward.
. Thank you for your antidpated cooperation. and t look. focward to speaking \Io'\th you next week.
SENT BY EMAIL AND BY fAX TO 818-871-6045 and 80065& 9364
March 29, 2007
Atl Todd Boock

\" VP and Sr Counsel
Legal Department
Manda Garcia
Custodian of Records
Legal Department
5220 Las Virgenes Rd
Calabasas, CA 91302
URGENT- LETTER TO ATI BOOCK. TIME RESPONSE DEMANDED BY 5:00PM ON

THURSDAY, MARCIl 29, 2007
Dcar Att. Boock:
I am available to meel and confer by phone today, 11lUrsday, from 7:00am to 9:00am, and from
2:00-3:00pm in the afternoon. lbis is a last minute notice, but events in this c.1Se and your
obfuscation over a year and a half do not leave me much choice. I am offering you IllCSC times
for phone conversations in addition to the many opportunities you had over the lasl :fear and a
half to submit additional infonnation in writing. I am sending this notice by ernailto yOll and
Mariela Garcia and I am also leaving you phone messages in this regard.
I am doing so in order to offer you an opportunity to dari[y before 5:00pm today, Tlilursday,
your rcasons for rcfusing to comply with a legal subpocna for the documents relatcd to loan
applications by Nivie Samaan.
" As I explained in my prior e-mail, we are attempting to diligently respond to your !cUer
and research
the issues you have raised. Unfortunately, this takes ~;omc time to accomplish., and we
intend to take the necessary amount of time to comply wilh our legal obligations." Your
excuses for failing and refusing to comply with a legal subpoena since August 2006 can
no longer be accepted as wiitten iri good faith.
There is no legitimate and/or reasonabl<: excuse for refUsing for over a year and a ha.lflo print
out dIe full and complete Comments/Documents/Conversation Log for Samaan's (onns from your
computeriz.cd system. Parts ofiliat log, related to Exception Approval by the Corporate .
Underwriting Support Office were alr-e2ldy provided. "nIece is no reason not to provide a full and
complete copy of that log.
Is a Ye2r and a balf lIot sufficient "anlOuot of time to accomplish" a printout of such log?
"we will engage in a substantive discussion" - what kind of disc.ussion is tlWfC to engage in
regarding your obligation to print out and provide me with that log'!
At some point your arguments start sounding exactly like what they arc - a faret; and a
perversion of the law by the Legal Department of a major corporation. You mus: also be aware
that my concerns are aggravated by recent reports that equated Countrywide wilh Enron.
Let me be clear. The subpoena of August 2006 was prepared by Att Cummings. The Subpoena
of Jan 2001, and all following Meet and Confer letters (copy of a recent one is att,11:hed below),
whether on attorney's letterhead or not, were drafted by ml:, so that I am very familiar with each
and every item discussed in them.
The materials sought in all of these communication, with Countrywide are the same as those
requested in the very first subpoena by AU Cummings - any and all documents pe:rtaining to
Loan Applications by Borrower Nivie Samaan for the Property at 320 South Peck Drive, Beverl y
Hills. Your attempts to claim otherwise are additional excuses for your obfuscation and refusal
to comply with a Court ordered subp-xna.
You mention that you are not a party to this litigation. These communications arc also meant to
serve you due notice and offer you the opportunity to rnakt: amends. Actions and omissions by
Maria McLaurin and others in Countrywide in Octobcr- 2004 to January 2005, 311.d in addition
by sending a letter signed by Maria McLaurin on behalf of C.ountrywide for usc by Plaintiff in
this litigation, and in addition by failure by Countrywide to completely respond to subpoena in
August 2006, and in addition by failure arid refusal by Countrywide, Todd Boock, Manela
Garcia, and others to comply with a legal subpoena since January 2001, it becomes apparent thai
Countrywide (referring here to CFC lU1d all its affiliates), individuals named above, and other.>
arc in fact accomplices in this blatant fraud and deC{~il.
You requested that I provide the exhibits, and I do ~;o in a fax/email following, allIH)u{~l all of
them, with one exception, are materials produced by Countrywide. I am also prcxlueing two
additional exhibits for your review, which have been discw;sed mallY times in previ'Jus
communications:
a) Loan Applications (1003) by Nivie Samaan, as produced by Counllywidc, demonstrating
blatant adulterations, produced by Countrywide in n:sponse: to subpoena without an)'
accompanykg Internal or External Audit documents to justify this aberration.
b) A deliberately misleading paper document titled Converc.:ation Log, San Rafael Branch.
produced by Countrywide. Maria Mclaurin, Branch Manager. San Rafael Branch. indicated in III
phone conversation with me that it wacs her decision to insert this document insteadofthe true
and correct, full and complete printout of the computer-bas4:d
CommcntsIDocumentslConversation Log of S:unaan's loan applications. In contm~t, Diane
Frazier. the duly authorized Underwriter for Samaan loans. whose authority was usurped by
Maria Mclaurin. indicated in a phone call with me !hat such paper Conversation Logs have
never been used in the San Rafael Branch at least since 19&9, the year she joined Countrywide!
Countrywide, ~odd Boock, and Mariela Garcia were warned in persqn, by phone Hnd by writ1(:o
communications by this writer. prior to the January 2001 subpoena, that such documents Well:
-
produced in the August 2006 subpoena. Yet, the same documents without any justification were
produced again in response to the subp'Je3ll of January 2007 1
"I represent Ms. Garcia, and I again reiterate that any communications to Countrywide or its
employees should be directed solely to me." I find it hard to believe that this statement is true.
Mariela Garcia, a paralegal in your office, signed as an individual on behalf of Countrywide, as
the duly appointed Custodian of Records. If I receive a dired communication from Mariela
Garcia that states that you indeed represent her as an individual, while at the same time
representing'Countrywide and that she is aware of the conflict of interests inherent in such
\representation, I would cease to copy her on such communications.
Att Boock, your obruscatioll is 110 longer tolerable. Time is of the essence - your actions
and omissions, as an individual and as a representltive or Countrywide have caused me
substantial financial damages through the denial of a motion to expunge lis pendens in
November 2006, opposed with criticlll support with Coulitrywide and Maria McLaurin,
and are causing critical damage to my derense in Samaan vs. Zernik, soon to be heard in
Court.
Sincerely,
Joseph Zernik
Joseph Zemik
CC:
. lllrift Regulators, RE: Case 110507312007
Gretchen Morgenson, New York Times Business Section
Chainnan of the Internal Audit Committee

Angelo MozilJo, Chainnan of the Board
COUNTR YWIDE
400 Countrywide Way
Fax: 800 65& 9364 (As provided by Marquita and confilme<! by Misty on March 29, 2007)
Sandor E. Samuels, Senior Managing Director

Chief Legal Officer arJd Assistant Secretary
COlJNTRYWIDE
400 Countrywide Way
Fax: 800 658 9364 (As provid~ by Marquita and colifinne<1 by Misty on March 29. 2007)
At 04:56 PM 312812007, you wrote:
I"
:!
,
-1;
1
EX
~"
I
Todd To jxl23-f5@e3f1hlink.net
Bood/Attorneyllegal1CF/CCI
041021200702:46 PM
Dr. Zemik.
Thank you for speaking with Sandy Shatz and me earlier today.
First, I want to reiterate to you that. as Y()lJ know. Passover begins at sundown this eveninq, nnd I plan to
celebrate it with my family. You have proposed making all ex palteapplication tomOCTO'N morning, and I
requested that. in light or the J(.'Wish hofiday and the preparation lhat goes into it, you wait lIntil Thursday
or Friday for your ex parte application. You have not confirmed Vlhether or not yoo will move the hearil1<;J
to Thursday or Friday, but told lIS thaI y<>tl would send an e-mail with a propo'.ied stipulation. I received
your proposed stipulatioo and am happl' to agree to having your rnotioo heard on l1<O less than 16 court
days' notice (plus 5 days if you send it by mail). 1 will not agree to the excess wording, though, aoo th(.>fe
is 00 time for me to prepare the stipulation and file it today. But you OQW have it in writing l~l8t we win
agree to have yOIM" motiOll heard 00 at 11~<J,st 16 court days' notice, Wllid) should be sufficient to take off
tho fiX pallo. 1 will ogoln tell you that we willllllJV~ (Of sanctions ~)3inst you il you lorce mEl to intenupt my
observance or the Jewish holidays and appear at your ex parte application tomorrow. As I said in my
previous e-mail, courts expect counsel t'J change hearing dates when it iorooveniences other counsel,
and this court will oot be pleased if you I eruse to do so. 1also again point oot the numerOl J:; defects in
your notice. induding the lack of a lime and location.
We understand thallhe ex palla application relates 10 a motioo to compel produetioo of other document;
pursuant to a subpoena served OIl Countrywide. Today, we met and conferred cooccmio!] thaI
subpoena. aoo we are in the process ofloJl<ing for other documents. AIxordingly, becau~;(l we ace still
meeting and confening on these issues, any motion to compel is premature.
Secood, I repeal what I have explained wveral times to you, that t represent the rompany h this matter.
Coosequendy, we demand that you solely communicate to me as to your subpoenas all<d Ihe related
issues. To be dear, do not contact othel Countryvvide ern,~oyeesin genernl and Mariela Garda in
particular. If I learn that you have continued to contact Ms. Garcia Of other Countrywide empl.:>y~'S,we
wi" move for a protective order and seek s-anctions againsl yOtl.
FlOally, this is to confirm that we have produced all documents within our possession. cus(o,:Iy and cootrcl.
whidl are responsive to your subpoena. However. we are presently looking (or two docul1l€'tllS: (1) Mali a
Mdaurin's November 6, 2006 letter to Vietor Parks - yoo cllready have this leiter, but we will :;end it to
you again if we locate an internal copy; a:l<1 (2) the Underwriting D(rision'Condition !-ctter that was
printed 00 October 26. 2004, which we discussed during our conversatiOll. If we are able to locate these
documents. we wlll send them to you.
Please let me know as soon as possible whether you win persist in making your ex palle applit::ation
tomorrO'N. I am leaving my office at 3:45 ,:xn. so I expect to hear from yoo bylhen. lhank you. and have
a Happy Passover. .
ToddBoodc
1st vp. Sr legal Counsel
CA In-House Utigatioo Legal
Todd To jz:12345@eal1hlink.net@CWEXTERNAl
I3ood;/AttomeylLegallCFICCl
041131200702:51 PM
Dr. Zemik.
Your e-mail mischaraetenzes my conversation Y-li!h yoo.
You called me this morning aftE.'f you sent your exparte notice and told me that you wanted the words "all
of the records" included in the custodian of records dedaration.. Y 00 said thatlhis would Illl suffident fOl
you to withdraw the ex parte application. I said that I would talee a look at the dt.'Claration and get bad< 10
you later lod"ly. but you demonded thot r {let bock 10 you within an hour.
I called you a short time laler and said Ulalilhought that we would be able to resolve the issue and you
would be satisfied, but 1needed a little mc~e time than an hour. I told you that I should know by the end I)f
the day. When you ask.ed me 10 send you an e-mail.lald not say that I would not I said Umtl would
rather not until I actually have some confirmation or something concrete to say. Nonethel.}~>s, I ha<1
planned to convey the status to you via 'rmaif, but was out eating lunch arid just returned to roy office.
In any event, I now have concrete information. We have revised the declaration, and I believe that this
resolves the issue. TIle new dedaralioc, it. attached, and a hard aJPY will follow in the mall. Please
confirm lhal your ex parte application iSJtr calendar.
On a related topic, we are ready 10 sche-jl~e a time fO( you to review the original loan dowments. Please
provide me with several dates and times that yoo arc available to come in and review the documents.
Obviously. next Frid<Jy, Apfil 20th will not 111'011<, since we will be at Maria Md.-aurio's deposition (which you
confirmed would be going forward). 'am also unaVailable on Monday, April 16th.
Finally, I remind you to please direct your .:ommunications regarding the subpoenas and rdated topics
solely to me. Your prior threats to Ms. Gmda were completely inappropriate, and we osk. that you not
communicale with her. As I have explained on numerous priOf oa:asions, I represent Countrywide and all
of its employees in this matter.
Thank you.
Samaan v. Z~ - Dec.. Custcd:ln d RCCOlds.p<f
ToddBood<
1st VP. $( Legal Counsel
CA In-House Utigation Legal
818-871.{j()4S Oflice S220 Las VlljjCOCs I'lli

92-585-6045 Iotemal Mal Stop: N:.,-11
81s-871-4669 Fa>< CaIatnsas, CA 911302
• ".0·
Todd To jz12345@earthlink.net
BoockIAttomeytlegaVCF/<X1
0411612007 OH)4 PM
Or. Zemik.
I am in receipt of the 3 e-mails you sent to me over the weekend (one on Apri114th and tWI) on Apfil15tht
and I am aware of the voieemail you left (Of Mariela Garda (00 April 14th).
Your e-mails mischaraaerize the histOly of this matter as it relates to Countrywide. We Icc~!ived and
property responded to the subpoenas. Vllhere you had additionai: questions. we have been mOfe than
cooperative with you and took the apprl)priatl;! time to accurately and completely address l~ach of the
issues you have raised. The arbitrary deadlines you havl~ set am unreasonable. especially since you are
aware that I was supposed to be out 01 the office at a deposition loday. My deposition w;):'(:ancelled. but
you did not know that until just now. The following responds to issues raised in your communications U-lis
weekend:
~oo of Original Documents
I asked you to provide me with severa! dates and times that you Glfe available to come in arKI review the-
documents. The single time you provid,ad does not wock 1'01 us. Please provide me with SJweml dates
and times. so that we may coordinate WiUl all parties.
Bgguest to Meet With Mariela Garda
You have requested to meet with Mariela Garda inpersorl We do not see any reason fOf this mectin<J.
especially in light 01 your recent threats -3~lainst Ms. Garda. We have provided you copie> of the
responsive documents and will make the originals. available for yOUl'" review.
Your Continued Direct Communication With Ms . Garcia
This is Ule last time I am going to tell yOlllhat. as. an employee of Countrywide. Mariela G.lrcia is
represeilted by COUnsel and is not to bexl(ltacted directly by you. As ~ represented party. she is not
going tocontact you directly and tell you that I have repeatedly explained to you that I repw:;ent
Countrywide and an of its employees in this malter. and any and a.l\ oommunic:atioo regarding this matter
is to be directed solely to 1l1C.
Your Continued Harassment of Ms . Garda alid Countrywide in (i{;~I_
I must demand that yOlX harassment ol.Ms: Garda and Countrywide In geoeral stop immediately. You
have called, e-m3l1ed and written us innumerable times. often with oosubstantiated accusations of fraud.
threats of legal actioo against Countrywide effipwyees. art>itrary ·urgenr ~ines and last·mlnule
notices of baseless hearings. You have new demanded to meet with Ms. Garcia p€{SOO3!1y. or you will
subpoena her to testify. You have also c:ll1ed her directly again, dE!S{Jite my repeated dem<lnds that you
stop doing so. If you continue to harass liS, iodU(jng seMng a sdlpoena on Ms. Garcia, Wl~ wiD have no
choice but to move fOf a protective order and seek sanctions against you.
Your Reccot RequestS for Ms. McLaurin~~_Reoords
You did not provide proper notice to Ms. Md.atrin andfOf Nivie Samman in your subpoenas, and we
objected to your subpoenas on that basis.
Countrywide's Subpoena Compliance
As our custodian of records dedaration states, we have produce<l'all dOCtlments responsive 10 your
subpoenas within our possession, eust:xly and control, subject to the objections Pfeviously SCfVed. w.~
have complied with our legal obftgations as to !he subpoenas. However, as a gesture of ~jOOd faith, WI;
offered to allow you to review lhe origillal documents, which we win still allow you to do.
litigation Conduct
Please immediately cease your repealed accusations of fraud. o:JOSpiracy and other nefarious deeds
against me and my col1eagues. These a<xusatioos are baseless-, inappropriate, offensive and in violation
of los Angeles County Superior Court Local Rule No. 7.12(d), which requires that cou/lS€1 ~should at a-I
times be civil and courteous in commurkating with adversaries.· As someone representing himself in
propria persona, you are bound ~ these rules.
Rnally. please provide us with the $95.95 set forth in our April 12, 2007 Invoice.
Thank you.
ToddBoocl<
818-a71~5 Office 5220 lAs Vl(gef"les Rd

92-5l\~5 Internal Mail Stop: AC-ll.
818-871-4669 Fax Calabasas. CA S'1:I02
. . . :.
a.'"
Subject URGENT: RESPONSE OEMANDED BY W[()NESDAY.
JUNE 20,2007, 5:00PM- 1) OEClARAllONS BY MAHL~
VI
MClAURIN, NOVEMBER 2006, MAY 2007 2) UNSIGNED,
UNAU TliENTlCATED UNDERWRITING LEffErI OF
OCTOBER 26, 2004 3) APPAHENT V10LAnONS OF
REGULATION B MENTIONED IN SAMAAN v ZEnNIK
June IS. 2007
Att Todd Boock

Countrywide
URGENT: RESPONSE Dl<::MANltED BY WEDNESDAY, JUNE 20, 2001, 5:0~l'M-

1) DECLARATIONS BY MARIA MCLAURIN, NOVEi\1BER 2006, MAY Z007
2) UNSIGNED, UNAUTHENTICATED UNDERWRITING LETTER OF OCTOBJt:RZ6,
2004
3) APPARENT VIOLATIONS OF REGULATION B MENTIONED IN SAMAAN V
ZERNIK
MrBook:
Starting in December 2006, 1 communicated with you and others in the Lcgal Dcp:u1Illcnt of
Countrywide various aspects of the conduct of Maria Mclaurin, Branch Manager al
Countrywide Home Loans, San Rafael Wholesale Bmnch. Studying subpoena documents in
Samaan v Zcrnik, and data provided b:, branch Underwriter indicated that McLaurin had an
ongoing relationships with some loan broker(s) with the goal of perpetrating fraud again.st
Countrywide (heretofore indicating CFC, Inc, and/or any of its affiliates and subdivi ~;ions), a
Federally backed mortgage lender. By estimate of the Branch Senior Undelwriter, the fraud rate
in that branch reachcd around 2004 90%, where estimales by the FBI put fraud lev..:b at 30-40%
in California in general. The pattern a:. a whole fitted perfedly with what FBI repc1rls describe
as a loosely organize.d white collar crime networks harvestinl~ stunning sums (all e:.limatcs are
believed 10 be guesswork at best) in an epidemic of roal e&tatc and mortgage fraud, centered in
Southern California. Needless to say, Countrywide is the sulrprime market leader, centered in
Southern California as well. FBI considers the fight against Ihis epidemic a national priority!
The overall picture emerging from th<: me is of total collapse of checks and balances in
U>Wltrywide. Gross violations escap~ all controls, since th~ fraud is perpetrated from above led
by the Branch Manager - and the diS$l~nting Underwriter was quashed:
• Managerial Controls - the Seni<l'r Underwriter, who did not cooperate in the fraud, lost
her job instead
• Internal Audit - adulterated t003 with not valid Receipt Dale, ad~lterated fraudulent
Exception Requests by Branch Manager
• External Audit - same
• Legal Oversight - the Legal Ikpartment appears more as an accomplice with white collar
criminals than part of any compliance monitoring
• Federal Regulators - complaints to regulators are easily deflected, through cover up by

the Legal Department
Over half a year since my first report to the Legal Department, it appears that Countrywide nl~ver
took any action in this regard. If anything, the Legal Department wa') busy stonewalling,
obfuscating, and defending McLaurin, who is still holding the same position as bdore. I am no{
aware of any reporting you made t·) supervisors, as required by Sarbane-Oxley, or to SEC, 'llu;1l
Regulators, Trade Commission, or the Federal Reserve. You refused to answer any questioru; ill
.this regard. Inste.1d, you informed me that my attempts to direetly infonn Mr Mozillo, Chainnan
of the Internal Audit Committee, were intercepted, and any attempt to communicate with
anybody at Countrywide, but you, would be consid<:rod "harassment" of Countrywide, and
would result in legal action.
A March 2007 column by Pulitzer Prize winner, Gretchen Morgenson.in the NI'T, predicted the
ominous collapse of Countrywide, which she compared to Enron - an inherently corrupt
organization. She differentiated that the collapse of Countrywide would be much slower - a tmin
crash in slow motion, and also, that the damage inflicted on the American economy and many
many families would be much bigg,~l.
In Meet and Confer discussions, YOIJ denied that McLaurin was involved in fraud, sine<: her
scheme related to mortgage approval and funding of a loan for the buyer, Sarnaan, in the aborkd
purchase agreement of my residene<:, never materialized.
Similarly, I was informed by 11uift Supervisors, that Countrywide used the same argument to
denect my complaint.
Needless to say, I am no bank regulator, but data indicating that a WIIOLESAl.E BRANCH
MANAGER, who may approve up ~o $50,000,000 A nAY in mortgage investments, is involv.~J
in an ATIEMPTED FUAUD, was worthy of reporting and investigation as a MATElUAL
DEFICIENCY. Moreover, as detailed below, TillS CASE PROVIDES THE TEMPLATE
FOR ROUTINE SCAM TO OVERCOME COUNTRYWIDE'S APPEARANCE OF
SAFEGUARDS AND COMPLW(CE wmI LAWS AND REGULATIONS (KG,
REGULAnON B). and surely the ~:cam described h,~re was not used hcre for tilC lirsllimc.
As fully clarified to you over the months since then in many communications, Samaan's loan
application (1003) was replete with false and fraudulent data:
• its Date Received stamp was :ldulterated, but )'oU could not or would not explain by
whom, when, where, why, and under what authority
• Many documents indicate that Ihe loan was allowed to be continuously reviewed longer
than permitted by Regulation B, through manipulation of the Date Received data.
• You could not produce or would not produce any documentation of the comd Date
Received for the loan application
• the signature on the 1003 was n(){ that of the Loan Broker, Victor Parks
• Samaan stated in deposition tllat the loan brokcr nevp even talked with her
• on the 1003 ParkS is listed as tht~ telephone interviewer
• Samaan stated in deposition that: her husband, who .do<:s not hold any relevant licence,
and probably is prevented from ever holding any such license, was the one who prepared
the applications
• Samaan, who at the time ffiLde her living on the Payroll of a department store as
cosmetics saleswoman claimed in loan applications that she was the president and sole
owner of a corporation Spellbound Enterprise, Inc, for at least 4 year, wit.h no other
employment, and with incom,~ of $400,000 per year
• That corporation was established less than a year e2lrlier, and according to it, web page,
engaged in web retail sales lor consumers of the psychic and the occult - "1ne
Supernatural Superstore" - providing Tarot cards, divining objects, anointment oils, anJ
crystal balls.
• That Loan Application, prepared by the newly wed husband listed his wife as an
Unmarried Woman, in violation oflaws and regulations for a Community Property State.
• As clearly indicated in Clues report and conditions :;et by the duly assigned Underwriter,
this application had some of the cardinal signs offmud - discrepancies in employment, in
residence, in source ofincome', in source of funds,
• Regardless of conditions set by Underwriter, lhc applicant would not divul[',c "Type of
Business"
• The business license provided by applicant contradicted lhe statements she made in tlle
application, and was not accepted by the Underwrite'r
• The explanation applicant provided for discrepancies in residence statement was deemed
unacceptable by Underwriter
• Telephone numbers provided by the applicant did not match up with othcr business anel
residence information provided
• When the loan was not approv~ by the Underwriter, Mclaurin filed an Exception
Request where the income w.~ increased through a "typo" to $4,000,000 a year
• In same Exception Request credit determin~tions made by your expert Syste01 - Clucs,
and the duly assigned Underwriter were turned upside down by McLaurin
• 111e loan application was missing the Broker's signature on the Broker's certification in
all Underwriting Letters you produced
I probably forgot some of the fraudUlent data. the list is too long. But one of lhe most notable
features was that Mclaurin, ilirough h.:r conduct., seemed to endorse the invalid 10':>3, which was
for the wrong loan program (no documentation, >$1.301, on a program that allows no
documentation for only up to $150,0(0), at a 0.75% lowered interest rate. (n fact, it allowed tllC
Borrower to misrepresent lack of funds to close, and lack of reserves. And if closed, it would
have provided the Borrower over S I(',000 discount for no obvious reason (except for the obvious
relationship hCtween applicant, her husband, and his (:()usin .. all involved in the mOltgagc
industry~ and the Bank manager), and probably justified the personal time and efforts of the
Branch Manager...
Frazier, the duly authorized Undcrwntt:r refused to issue any credit decision prior to receipt of '
valid, correct 1003 loan application. But the handling of this loan demonstrated asimple route
_around sound Undeiwriting principl~: lequired by Federal regulations. The applicant waited,
and seemed strangely unintetested in addressing the &~ficiern;ies in her application. Instead. she:
probably was waiting, as part ofa routine scam. for the loan lIpplication to be suspended
{I0I25/04) for incompleteness 10 day:. after receipt (lOll4/04). In fact, according to the duly
:1SSigned Underwriter, the application was uniquely iOl;omplete at submission, probably by
design... .
Following that suspension, the Bank Manager had no problem usurping the Underwriting
authority of the duly assigned Undelvrriter, bypassing all security and Underwriting safeguard:;,
and overturning all Underwriting D~:cisions/Conditions.
For example, she filed both her Exc<~ption Report (l0/25/04) and her Appraisal Request
(10/25/04) without obtaining new, valid loan application 1003 from the applicant. TIlerefore, she
had no way \0 adjudicate the appliC21ion, since all calculations listed by the applicant on the
1003 used fraudulently lowered interest rate.
Gadi. in Division Undenvriting SUPIX'rt, conditioned his approval (10/29/04) on Ih<: following
stipulations:
a) that all information provided to him was true - but the annual income, fictional to start out,
was 10-fold increased, AND the credit determinations presented to him were oppo:iile those of
CLUES and the Underwriter, without any discemabl4~ foundation
b) that all conditions stipulated by lhe Branch Underwriter be enforced - these conditions were
already ignored by the time the Exception Request was filed, and seemed to be ignored in all
latcr Underwriting Letters.
On 10/26/04 Mclaurin, for no obviol1:i reason, issued a false, invalid. unsigned, and
unauthenticated Underwriting Leller that appeared to be issued by Frazier, the duly assigned
Underwriter, as if she was still in ch:lrgc of the application (where in fact McLaurin had by thell
usurped Undcnvriting authorities). Th.: Underwriting Letter stated that the appliC3tion had been
suspended (where in fact by then McLaurin had moved the application to the fast uack - by
applying for Review Appraisal and Exception Rcqu~;t).
In court filings in November 2006, IvleLaurin provided a stalement on Countrywide: letterhead,

accompanied by a copy of the invalid Underwriting Leller 01" 10126/04, in support 0 r claims by
Samaan that:
- such Underwriting Leller was issuc.i on or around O~lober 14,2004
- such Undenvriting Letter showed that the Loan was suspended on or around October 14, 2004
- such adverse actions were initiated ONLY because of missing initials of seller on Purchase
Agreement, that according to legal authorities is fully executed absent such initials, given the
language oftile fully executed Counter Offers.
nlESE CLAIMS, FULLY SUPPORH:'D BY MCLAURIN, WITH APPARENT

]ENDORSEMENT OF COUNTRYWIDE - GIVEN nm CONDUCT OF ll-1E LEOAL
DEPARlMENT - ARE ON THEIR FACE AN ATIEMPT TO DECEIVE TIlE COURT AND
DEFRAUD ZERNIK.. TO TIIE TUNE OF SI,ooo,ooo - Sl,51)(),OOO:
A} IN FACT, SAMAAN NEVER SUBMITTED APURCHASE AGREEMENT AND JOINT

ESCROW INSTRUCTIONS WITH IU~R LOAN APPLlCA110N IN TIlE FIRST PLACE, AS
EVIDENT FROM THE LOAN FILE, AND ALSO AS CONFIRMED BY HIE DULY
ASSIGNED UNDERWRITER - FRAZIER.
B)TIIEREFORE, TIfEREWASNO WAY FOR ANYBODY AT COUNTRYWIDE TO

ASSESS THE AGREEMENT UNTIL OcrOBER22, 2004, mAT IS- AFTER I:SCROW WAS
ALREADY CANCELLED.
C) THE FIRST EVER COPY OF THE AGREEMEJI,fT FOUND IN COUNTRYWIDE'S LOAN

FILE, WAS FAXED ON OCTOBER 22, 2004, BY SAMAAN HERSELF, AND WAS
STRANGELY MISSING TWO ELEMENTS THAT WERE CRITICAL FOR FULL
EXEClITION OF THE AGREEMENT, BUT WERE BOTH lllE RESPONSIBIUTY OF
BUYER SAMAAN:
i) SAMAAN'S SIGNATIJRE WAS MISSING ON PAGES OF THE AGREEMENT,

WHICH IS CRITICAL TO PRODUCE A VALID OFFER, WHICH WOU1JD TIIEN BE
SUBJECT TO THE COUNTER OFFERS.
ii) SAMAAN'S INITIALS WERE MISSING ON PARAGRAPH g OF COUNTI:R
OFFER NO 2, MEANT TO INDICATE ACKNOWLEDGEMENT OF ACCEPTANCE:
BY TIIE BUYER - SAMAAN, AND WIlli THAT - FINAL EXEClITION OF HIE
AGREEMENT
D) TIlE SECOND, AND ONLY OHlER COpy OF THE PURCHASE AGREElvlENT. WAS
RECEiVED ON OCTOBER 25, 2004, AND WAS COMPLETE. WIll-I ALL INnIALS AND
SIGNATURES
i) IT IS NOT CLEAR WHO SENT IT. EVIDENCE SUGGESTS THAT ALL ALONG
SAMAAN IMPERSONATED HER LOAN BROKER, AND ALL FAXES APPEARING
AS HIS, ARE IN FACT FROM HER OWN FAX MACHINE
ii) FOR EXAMPLE - COMP ARING THE LOAN BROKER SIGNA l1JRE
APPEARING IN COU~U FILINGS, WE COULD NOT LDENTIFY ONE SINGLE
AUTIIENTIC SIGNATURE IN TI-lE WHOLE LOAN FILE, OR FOR 111"1\1' MAnER
ON TIlE ORlGINAI, FRAUDULENT PRE-QUALIFICATION LET1"'ER.
iii) ALTIIDUGH TI-IE FAX PRODUCED BY COUI'ITRYWIDE APPEARS AS
ARRIVING FROM PARKS ON OCTOBER 25,2004, PARkS PROVIDED A
DECLARAll0N UNDER PENALTY OF PERJURY, lllAT IT WAS FAXED
"IMMEDlATELY" AFTER IT WAS RECEIVED FROM ESCROW ON OCTOOER 22,
2004.
iv) TIlE DOCUMENT PRODUCED BY PARKS IN COURT, WHICH HE STAn~D
UNDER PENALTY OF PElUURY WAS ll-IE ONE llE HAD FAXED TO
COUNTRYWIDE, WAS MISSING ZERNIK.'S 1NI11ALS AND SIGNATURES, m
CONTRAST WIll-I TIffi DOCUMENT PRODUCED BY COUNTRywmE. REPLETE
WIll-I ZERNlK'S INITIALS AND SIGNATURJ~.
v) lliIS WRITER HAS PERSONAL KNOWLEDGE OFTIUS DOCUME1IT -lHE
DOCUMENT IN COUNTRYWIDE'S CUSTODY IS A TRUE AND CORRECT COpy
OF 1lIE DOCUMENT, WillLE TIlE DOCUMENT PRODUCED BY LOAN BROKER
PARKS IS TI-IE PRODUcr OF ADULTERA'110N, RATIlER THAN TIll: OPPOSITE
E) MARIA MCLAURIN, REPRESENTED AS SPEAKING FOR COUNTRYWIDE,

THROUGH HER DECLARAnON AND LETTER TO COURT, AND TIIROUGH SUPPORT
OF TIlE FRAUDULENT PRESENTA'nON OF 11IE IOfl6l04 UNDERWRITING LElTER,
AND THE 10125/04 ADULTERATED PURCHASE AGREEMENT, FULLY SUPPORTEO

SUCH FRAUD AND DECEIT.
n COUNTRYWIDE, THROUGH Aff BOOCK, WAS MADE AWARE OF TIIESE ISSUES

AT LEAST SINCE DECEMBER 2006. IT APPEARS THAT COUNTRYWroE DID
NOTHING TO STOP MCLAURIN FROM CONTINUING AND ELEVATING THE LEVEL
OF HER PARTICIPATION IN THIS FRAUD llIROUGH MISLEADrNG THE COURTS.
WITH THAT - COUNTRYWIDE A.s A CORPORATION, AND TIU: LEGAI_

))EPARTMENTIN PARTICULAH:, APPEAR AS A FULL ACCOMPLICES IN
})ERJURY; PROCURING OF PJi:RJURY, FRAUD, DECEIT, AND CONSPIRI\CY.
The transaction was tenninated by ZelTlik following a Notice to Buyer to Perform, a:ld a Notice
t~ Cancel, when Samaan failed to remove both her Loan Contingency and her AppnJ.isal
Contingency long after the time set in her Purchase Agreement. Therefore. you claimed, there
was no loss to Countrywide or the Federal Government, no fr.md perpetrated, and no need for
the Legal Department to lake any action.
Similar claims were raised by Countrywide in respons(~ to complaint I filed with Thrift
Regulators. Countrywide Bank argued that Samaan's loan would never have been 1i.:llded had
the transaction not been canceled.
Howcver, McLaurin, in court declarations, supported applicant Samaan's claims that arc
<J iamelrically Ole opposite - that the loan would have d,~finitely been approved and funded had it
110t for Zcrnik's initials of seller on the bottom of Califo)mia Purchase Agreement and Joint
Escrow Instructions. That - regardless of the true facts in this matter:
a) The document prcsented by Parks as the one sent to Countrywide was a fmudulen: f()rgcry.
l11t.·document faxed to Countrywide on October 25,2004, and still in Countrywidc's custody,
included all seller's initials and signalll"~s.
b) Thc only other Purchase Agreement appearing in th<: I-<Jan f-ile was received by Countrywide
on October 22,2004, and was missing critical Buyer's initials and signature_
c) Prior to October 22, 2004, this loan application claimed to be received October 12,2004, and
probably received much earlier (the stamps were adulterated), never included any copy of tile
Purchase Agreemenl Therefore, McLamm or others at Counlrywide could never adjudicate any
initials or signatures prior to October 22~ 2004. Definitely, the file did not include allY copy of
.the Purchase Agreement from October 14,2004 to October 22, 2004, as confirmed by both the
Loan File and the duly assigned Underwriter.
d) Any Broker or Realtor questioned about this case expressc(I amazement at the outlandish
claims brought in the name of Countrywide. In this da~f and age, even loan applications are often
unsigned prior to closing (and Samaan's Loan Applications, fr;audulent from A to Z, showed
signatures that surely did not belong to her Loan Broker).
e)i Legal consultants appear positive ilia! the agreement as such is executed without the initials,
given that the Counter Offer, fltlly executed, stipulate that all provisions of the Agreement are
fully agreed upon by both parties.
But the Legal Department of Countrywide does nothing to stop this ongoing attempt at fraud.
i'
I1
This time - not undercover fraud, but fraud in broad daylight, in full view of all inkmal and
external audit, regulatory and supervi~:ion safeguards.
This nolice is to demand that you provide, on beh.alf of the Legal Department of Countrywide,
answers for the following questions related to the First Lien Loan Application of 5amaan,
claimed to be received on 10/14/04, and as represent«i in:
a) Countrywide's production of business records of Samaan's Loan files in Sarnaan v Zemik
b) Countrywide's responses to complaint file with TIlfift Regulators in early 2007
c) Countrywide's responses to a complaint file with Federal Trade Commission from 2007
d) Countrywide's customary business practices
e) Countrywide's reports to regulatolY agencies
I) Are you aware of the declaration of Maria Mclaurin, signed on May 23,2007, and filed in
court on May 25,2007, as part of litigation in Samaan v Zemik?
2) Did you approve this declaration in advance of its filing?
3) If you are not familiar with this declaration, I demand that you immediately obtl:lin a copy
from Maria Mclaurin, and inform me - does Countrywide approve of this declaration at present?
4) Did you approve McLaurin's letter .)fNovernber 6, 2006 ahead of it,> filing?
5) Does Countrywide approve of the conlent of the };'ovcrnber 6, 2006, letter at present?
6) In Meet and Confer you indicated lhat lhe unsigned, unauthenticated, Underwriting
ConditionIDecision Letter of October 26, 2004, produced by Mclaurin in her court filing, was
not part of Samaan's Loan Application File, and indc:d it was not part of any of the subpoena
production in August 06 and in January-February 2007:
Does Countrywide consider at present that unsigned, unauthenticated Underwriting Letter of
~ober 26, 2004, as a valid part of Samaan Loan Application Underwriting I)roc<:ss in 2004 '!
7) Who was the duly assigned UnderwriterofSamaan's LQan on October 24, 2oo4? October 25,
20047 October 26,2004, October 27, 2004, October 2&, 2004, October 29, 2oo4?
8) Under which circumstances is anybody other than the duly assigned Underwriter allowed to
issue an Underwriting Letter?
9) Under which circumstances is anyb:>dy, including lhe duly assigned Underwriter, allowed to
issue an WlSigned Underwriting Letter?
10) Does Countrywide agree wilh the various statemcnt~ made by Maria Mclaurin in her
declarations of November 2006 and May 2007 regarding the October 26, 200·1 Unckrwriting
Letter?
II) Are you familiar with various statements in declarations" emails, and filings of Kcsnavan.i,
Parks, and Mclaurin, which on their titCC appear as gross violations of Regulatioo B by
Countrywide?
12) For example, does Countrywide allow a "source" in San Rafael Wholesale Branch to
verbally notify a loan broker of the dis,pOsition of loan applications, including cood itions fi>r
approval and action taken, without any written notice, and at times in contradiction of written
notices?
13) Are you familiar with the fact that Samaan. the BorrowClr, directly managed her LQan
Application Underwriting, at times by. direct communication with the Underwriter lind others,
and at o!her times by misrepresenting lax communications a:; coming from her Loa,rJ. Broker?
14) Does Countrywide approve of Bonowers managing their own Underwriting Bmkerage and
loommunicating with the Wholesale Bnnch?
15) Are you familiar with the fact th.at Samaan stakd in her deposition that she did not even tllk
with her Loan Broker, let alone prcs'~nt him in person with any documents that Wt~rt~ presumably
the basis for the loan application 1003?
16) Are you familiar with the facllh.lt Samaan slated in her deposition that her hu~;band, who is
her Loan Broker's cousin, was the oue who prepared her Ie-an applications?
17) Does Countrywide approve as part of its business practices of Borrower's SP<)IlSC, who holds
no license, and possibly is barred from ever holding a license, to prepare Borrower':> Loan
Applications?
18) Are you aware of the multitude of fraudulent data incorporated in Samaan's LJan
Application 1003?
19) Does Countrywide approve of such fraudulent loan applications?
20) Was Gadi ever made aware that the income presented 10 him, of $4,000,000 had no basis in
reality?
21) Was Gadi ever made aware that the credit determinations appearing on Exception Rcque:;1,
Branch Input., had no base in reality, and were produced without any supponing Underwriting
Notes? .!
22) Did McLaurin ever run CLUES report on Samaan's application as demanded by Gadi, after
10125/04?
23) If so, why was it never presented in subpoenas?
24) If not., how was she allowed to proceed with loan approval without any alann raised by an:,
of the internal audit, external audit., kgal, managerial, and regulatory oversight mechanisms?
25) Did Samaan ever satisfy the colld ition originally sel by Frazier on October 14, 200'1, then
repealed by Gadi on October 29,2004, that Samaan musl submit valid loan apphc<llion (1003;,
showing the correct interest rate and die correct calculatiOn> based on such interest rate in her
loan application 1003?
26~ If so, Y"hy were no such loan applications (1003) produced in subpoenas?
27) Did Countrywide ever provide approval Samaan's First Lien Loan Application without ever
receiving a valid loan application 1003 as deseribed in 14) above?
28) Was Samaan;s First Lien Loan ever unconditionally approved for funding?
29) Would Samaan's Loan Application 1003 be approved if presented today lor Und(;rwriting?
For ending - some simple ones:
30) What was the true receipt date or Samaan's Loan Appli<:ation?
31) Who, when, why, and WIder what guise adulterated the Date Received stamp?
)2) Did Countywide rcally never conducted any investigation of this gross violation of
Regulation B1
33) You are fuUy aware, after it was pointed out to you numerous times, that Sama.an's income as
listed in the printouts of Exception Request, Branch ![nput., c; a rough adulteration. The printout
was covered with whitcout - and a new figure nandwriuen in. Detailed reading orlne documents
explained why: .
McLaurin ineee"ase.d Samaan's income, fictional to stmt out, ten-fold., to S4,OOO,OOO per year, for
the Exception Request. But the file c<:>py was made to appe:1f in syneh with the loa,rl application
at $400,000 per year.
Did you ever investigate who made thi:s adulteration?
Was there any report issued?
W~ there any violations of Countrywide'S practices in thesl< actions?
RESPONSE DEMANDED BY Wl:<:DNESDAY, ,JUNE 20,2007, S:(}{)PM.
Joseph Zcrnik
PS:
It is Friday afternoon, and I must end on a personal nole. I was born in Jerusalem, on my
Mother's side- of a Hebronite Jewish family descended from Rabbi Schneerson and Sephardi\:
roots combined, and on my Father's side, descendent from the Gennan Rabbi Akiva of Eger. [
married a descendent of the Luz:z.a1to family. Combined, my children, who grew up in this
residence, and my teen age son, still living here, hold a van treasure of Jewish family memories
over the generations.
( was disgusted and appalled by your hypocrisy, representing yourself as an observant Orthodox
Jew, in order to avoid ex parte appeuance in court to repn:sent your positions - supporting fraud
and deceit.
I was similarly disgusted when I re.cognized that Sandor Samuels, the head of your department,
and an orthodox Jew, serves as the 2006-7 President oftlle: Board of Beth Tzedek, a Jewish
charit.able organiz:ltion for legal aid. Fraud prevention, and in particular real estate fraud
prevention are advertised as a high priority. And the Orthodox Jewish lawyers who refused to
represent me in this case because of the Orthodox Jews in your department only r.l:l.de it more
abhorrent. Your department, as managed by Samuels, base:d on your conduct to J~ti;, appears
dedicated to aiding and abating rcal estate and mortgage fraud committed by a (countrywide's
Branch Manager.
Combined, tile conduct of your department over tile last half year bears testimony to a Legal
Department that disregards the rule of the law, and suppol1S abuse ofjustice. In printing Beth
Tzcdck's logo "Tzedek Tzetfek Iirriaf " ("Justice, iustice you shall pursue " ) in Beth Tzedeo~ 's
brochures, bearing his portrait photo, Samuels and you jo~ntly make Iidicule oftlJ,lt
commandment, whose words have been admired over the millennia by Jews and non-Jews alike.
I find tilis particularly poignant since in 2006 I published by commission a French translatiollof
Hebron Stories by Shami (1&88-1949) for the Calvinist Church ofSwitzeriand, uncI' publishinf
it in English in 2000 to rave review by the Los Angdcs Times. '[be thcmes of the!;e stories, I told
the French non-Jewish readers in an <:pilogue, were those of the Hebrew Prophet., - Micah and
Amos who lived walking distance from Hebron: social justice, and protcst of hypocrisy through
overzealous devot!t religiosity.
"Will the WRD be pleased with thousands ofram.r, or wi'th ten thousands 0f,i ~'ers ofoill
ShaIJ I give my FITS/born for my transgression, the fruit ofmy bodJ for the sin of my soull
He hath shewed thu. 0 man, whal ir good; and what doth the LORD require ojthee,
But (0 do justly, and to love mucy, and to walk humbly with thy God'!"
From: jz\234)@earthlink.net
Subject: URGENT: TinltAI re~ponse required - demand for declaration by Countrywide
officer.

320 South Peck Drive, Beverly Hills CA 90212 'I'd: (31O) 286-9567 Fax: (801)
998-0917 Cell: (310) 435-910'7
URGENT! TIMED Rlt:5JPONSE REQUrnED! TIME IS OF THE ESSI~NCE!

EMAILElJ TO ANGELOJ\-fOZILO@COUNTI~YWlDE.COM AND SENT VIA
CERTIFIED MAIL
June 23, 2007
Mr Angelo Mozilo, Chairman

Countrywide"'
RE: Samaan v Zcrnik, Sama:an's 1" Lien Loan Application #8137375
Dear Mr Mozilo:
I am approaching you as Chainman ofCountrywidc:'s [nternal Audit Committee,

demanding actions to mitigate hann and damag:cs to Zemik by Countrywide, :md to
prevent further fraud perpetIat,:xl by San Rafael Branch Manager Maria McL;;:urin and
her associates.
In 2004 Zemik listed his residence in Beverly Hills for sale. Nivie Samaan made an
oITer, which was eventually acc<:pted by 7..emik. As later uncovered, Samaan was never
qualified to purchase the Property. She was a cosmeti,;s saleswoman who fra'udulently
represented herself to Zcmik a:j, a realtor who closed several deals a year, and who
fraudulently represented hel"$c1fin her 1003 (AUachment til) as solely deriving her
income as President of a Corpor.ltion. Her Prc<:luali ficltion Letter was a product of fraud
and an instrument of Fraudulentlnducctncnt to obtain Zemik's consent to the Purchase
Agreement.
Maria Mclaurin, Branch Manager, buyer Nivie Samaan, buyer's husband and Mclaurin'
s fricnd Jae Arre Lloyd (fomlcrly Timothy Lloyd Monow), and his cousin and business
associate Vietor Park, all operating in the fi~ld of real <:state and mortgages, initiated in
2004, several types offraud, aU related one way or another to the pending sale of my
residence. Mclaurin and Lloyd were most likely well versed in mortgage fmud, hut this
fraud schemc did not work on schedule - approval oftfte I" Lien Loan #8137375 was
considerably delayed, poSsibly b,;cause Lloyd and McLaurin were trying to outdo
themselves this time and issue ;\ ti'audulent jumbo mor1gage, with no document.ation, and
!it reduced interest rate. The latter proved more..d ifficult than anticipated (Attachment
##,2,#3, #/4).
Following Samaan's failure to perform, and the real i7.ation, on several aCOJ unls, that she
was not dealing honestly, Z.~.rnik issued Notice to P~rform, and later, after Samaan
refused to perfoml, he issued Instructions to Cancel Escrow.
A year later, in 2005, once the price of the Property considerably appreciated, Samaan
filed claims for Specific Performance, and placed Ii. pendens on the Property. Sama<ul's
claims initially appeared un:iustainablc and absurd, but false and fraudulent statements
and documents (Attachment #5) brought or supported by McLaurin kept the case in
court for the second year now.
I demand your help in mitigating the damag~. nsulting from unlawful, fraudult~lltt
conduct of Maria Md.aurin. To mitigate damages, and to help in stemming the
ongoing fraud and deceit perpetrated against Zernik, please personally. ensure tI!.!!t..L
am provided by J<'riday, JIJ.ne 29, 2007, S:O~!>~. declaration by an authoriud
officer of Countrywide, outlining relevant details shown below (Attachment #6).
Sincerely,
Joseph Zcmik
* Countrywide here refers 10 CFC, Inc and all its subsidiaries and affiliates
PLEASE SEE COMPLETE DOCUMENT IN A'ITACHMENT.
Joseph Zernik, DMD PhD <iZ'2345@earlhlinkncr.>

As part ofeffective communi.r::al;ollS. please respond to requests for emailtfallsmissiol/
receipt, if any.
Joseph Zcmik, DMD PhD <jZI2345@.carthlilrk.rrd>

As part ofeffective communicatiollS, please respond to requ.'!S/s for email transmission receipt, if
any.
~
rJl-oT24 Marlo rovec \e(tef ~ thoft lltta::fnetqd
Original Me33age
From: jz12345
Sont: 06/26/2007 04:58 PM HST
To; sandor_samuels~countrywide.com
'Cc: rabbi j j8adatadeLorg
Subject: fWd: Samaan v. Z(~rnik ._- Response To YOur Correspondence to Angelo
Mozilo and Sandor Samuels
June 26, 2007
Mt Samuels:
I approached you as President of Bet Tzed,cIc, where you repres<:nted your C<Jmmitmen( tll
fig:ating real estate and other types of fraud. Your response, through Mr £Joock, appca,~:;
inconsistent with your representations as President of Bet Tzcdek, and your standing il~L other
Jewish institutions, such as Adat Ariel.
As communicated to me by federal regulators (lbrift Supervisors), Countrywide in ib mvn

defense in federal investigation stated the following: Countrywide would I/(/ve neverIY/ldl'.d
Samaan's Is( tie/lloatl.
Wouldn't it be t11e easiest case t11at Bet Tz.e:dek ever resolved, if ),ou made the very same
statement (9 words in total), in a ~eclaratiCin by you or by any other officer of Countr)'wide"'.
Jos':ph Zemik
·Countrywide here refers to CFC, Inc, and all its affilia~e:> and subsidiaries
X-WS5-ID: OJK1Zill-QE-QI)E-Q1
To: jzl2345@earthlink..net
Subject: Samaan v. ~ - Resp<)Ose To YO!Jf COrrcsPOndCl:lCiC to Angelo M():~ilo and
.-
jx 12345@eBrih~nbiet
071OmOO7 10:09 AM To sandor_samuels@counllywide.com.
angclo_ffio)zilo@a:oontlywide.com
cc rabbiilb@adatariel.org
SLJbject URGENTl TIMED HESPONSE HEQUIRED Ell' HlESDA".
JULY J. 21)07, 5:00PM ATIACltMFNT PART II
June 29, 2007
Angelo Mozilo, Chaimlan

lntemal Audit Committee
Countrywide"
S.mdor Samuels
Oilier Legal Officer
Countrywide
Your rcs(X>Dsc is required lJy Tuesday. July 3, 5:00pm.

KITACBMENTS E-I1 WITHTIDS COpy
Mr Mozilo and Mr Samuels:
You arc addressed here in an urgent call for justice by a person, whose life is on the V(:[J~C of ruin
as a result of wrong and dishonest condIJ(:t by a Countrywide manager who is deliberately
aUempting to subvert justice in the Los Angeles Superior Cow1 under Countrywide's name.
You are the two individuals in whose person the s:ifegmtrd of tile integrity .ofthe operations of
Cwotrywide is most clearly vested., an<l; in whose power and authority it is to mend this wrong.
Rabbi Jonathan Bernhard., the Honorable R Williain SclJoettlcc, and Rabbi Shusterman are
copied as witnesses to travesty-ofjuS6o;: at various points along its way. Others arc copied, since
Sandor Samuels is .....v addres!>ed as the President of Bet Tzedek (House of JustiCJ~). and in hi:;
capacity in other prominent Jewish e-rganizations in Los Angeles, such as Adal Add , and the
Ziegler School ofRabbinical Studks. Bet Tzedek is a not for profit Jewish organ::-'..ation
dedicated to the cause offurtheringju'>tice through free !ega.! services to the needy,. and to stelr
fraud - with real estate fraud prevention listed at a high priority. Bel T'zedek is a worthy
institution, and one that can proudly be held as a symbol of the Jewish community's ·:ontribution
to the people of Los Angeles in particular, and the historic contribution of the Jewish
Community to American life in general. The work of Bet l'zedek was reviewed or mentioned for
their positive contribution .to justice in the Los Angeles Times, NPR 's MarketPlace, the Lor
Angeles Daily Journal ,the Jewish Journal, and oilier publications.
In web pages of Bet Tzedek Mr Sar.·IUeiS slates: "Whom do you call if)'ou are eJd'edy and
someone is trying to evid you from your apartment or your house? .•. The alfSwer (0 these ....
is a resounding Bet Tzedek! " (Attwlrment A ). I am not elderly, but a real estate fraud
perpetrated against me in the LA Superior Court by a Countrywide Branch Manager and her
associates, may leave me elderly and poor. In those web pages Mr Samuels expressed his
commitment to justice, and in this le:tn I call upon him to a,;t based upon lhese commitments.
The biblical commandment" Justice, iustice You Sh'7/1 Pursue" from the Five Books of MO$l~s,
is featured prominenlly as the guiding words for Bel Tzedek . Indeed, that commandment, and
even more so the words of the Hebrew Prophets have been admired over the millennia by Jews
and non-Jews alike" ... To turn aside tire needy from iudgmmt, and to take away the' right from
the poor ofmy people, that widows nwy be their pre}" and that they may rob the lal"erl~ss! "
Isaiah is probably the best known, in part through his reflection as a major influence -on the
writings of the New Tesfam(!.Jl(. Indeed, some of the: figures that are held as !>cacm}:; in the
contribution of the Jewish community to American law, followed the S<lnle path, and may be
eerily relevant 10 our matter:
Justice Louis Brandeis - one orhis ~:st known contril:Jutions was the Brandds Briq - claimed to lx:
the first bricf in the Unilw Stales Ihal relied on analysis of factual <llta r.lthc:r than pure legal 1l100[y Ie argue a cas,~.
documented the negative health effects of erap(oyees long working hour.;.
Ilenjamin Cardozo - known best for opinions such as:
• Ily~ v New York Cenlra/ llailroa.:l Company· about Ihe Duty 01 Care of a large corporation in
relationship to individuals who wer~ trespassers!
• MacPherson v BuicJc Motor Co. • v.1.ich expanded Duty in Negligence Ac/ions and rcddulcd IIle s';0l'( of
Corporate Liability
• Berkey v_ Third Avenue Railway. which removed !lIe ~eil of complex corporate structures with
subsidiaries_.
Indeed, President Franklin Delano RttOsevelt, seeing in Brandeis a model Justice, aHc:ctionatcly
nicknamed him "Isaiah ", and the me:l<lphor of "City ItpOIl a Iml "for a just society, fealured in
President Reagan's Farewell Address, goes bad through the puritan Winthrop and tilt: Sermoll
on Ihe Mount to Isaiah as wei\.
[therefore also approach Sandor Samuds in the Spirit of the upcoming JUstice Ball" • on July
28th, 2007, the annual fund-raiser for Bet T1;edik ,a model Jewish institution in Los Angels. I .
wish Me Samuels and Bet 11.edek a ~uocessful Justic.e Ball • and I was happy to see the listof
-iillustrious sponsors. No doubt Me Samuels' tenure as President had a lotto do with thaL Will
FOU gather to celebrate ti,e proteciiotr t?f Justice in LA, while u.nder your watch I (1m being
robbed in broad d.... 0'.' of my hoii'w and my saving hecause of madwn by Coulltrywide?
) am the victim of Wire Fraud and t.:eal Estale Fraud perpetrated by Maria McLllIrin, Branch
Manager, Countrywide San Rafael, and her associat(~: Nivie Samaan and Victor Parks (non\~ is a
Countrywide employee). Since November 2006 it appears that Att Mohammad Ke:shavauj, of
Sheppard Mullin, is also a major figure in fabrication and coordination of fraud in lj-lis case
(presumably all protected under litii?,ationprivileges). Samaan's fraud attempts that 1am
personally aware of now were initialed in September-October 2004, bull was not aware of
these, and had no understanding of :Jny of the related complex areas of the law, banking, and real
estate until December 2oo6!
Attempted Mortgage Fraud a~ Countrywide - government backed mortgage ~~ltder, altd

Attempted Fraud against Countrywide per se
These fraud attempts were initiated in relationship w:ith the attempt by Nivie Samaan to obtain
mortgage loans from Countrywide, f()r the purchase of my Il:sidence, then listed for sale.
Countrywide is a government backed mortgage lender, and such mortgage applications were
based on the federally mandate.d and prescribed Unif()rm watt Application (l003, (Allachme'~L
l!.). Samaan's 1003's were fraudulent in almost any wnceivable way lAllaclzmelttJ~ ). To top it
off, that loan application involve.d abo an attempt at fraud against Countrywide per s(: - by
allowing Samaan discounted fee ofO,7S% for no reason at all. 111at application, and its
underwriting process involved a multiplicity of Violatiolls ofRegulation B of the Fdeml
Reserve (Fair Credit) and California Fair Credit and Fair Housing laws and regulations,
primarily by Mana McLaurin (AllacJ!(11ent C). Not to outdo McLaurin, the scheme also involv,~d
Wire Fraud by Nivie Samaim and Victor Parks. Fraud and Deceit against Zernik were a minor
part of the original scheme, but moved to center field when t:lC original scheme failed .
.Wire Fraud bv Samaan and Pa.!.!5!..!!./illin:>t a {inancuzl institution - UJuntrywide

,wire Fraud hI' Samaan and Parks ag~inst Zernik
iNot to outdo Mclaurin, the scheme a Iso involved Wire Fraud by Nivie Samaan and Victor
Parks (both California Depaitment ofReal Estate L.icense holders) (Attachment 1) ). Parks WL':i
represented to me as the Loan J3roker,. without disclosing any rclalionshipto the Buyer, Samaan.
Much later, in July 2006, he turned out to be the first c:Qusin ofSamaan's purported bmband, Jae
Arrc Lloyd (prior to 2003 - TImothy Lloyd Morrow). And Lloyd, in tum, appears 10 have been a
long term Mclaurin friend/acquaintance. Lloyd was 211so a mortgage professional for many
years, but not a license holder for unknown reason.
As much laler turned out, Samaan and Parks had an ammgemcnt,·whereby Parks, who at the
tiime apparently reside.d and operated from ·offices in the State of Washington. with corporate
offices (pacific Mortgage Consultants) ill northern California, 1I0t far from San Rafad. Parks
allowed Samaan and Lloyd to broker Samaan's loan with the San Rafael Wholesale Bnmch. To
f.lcilitate this scheme. fax transmissions sent to the fax nwnber that was provided to us fO£'Parks,
with an area cod(: in Washington State (;lCCOSS State lines) were automatically forwardc:d to
Samaan's fax machine in the Los Angc1c:s, California, BICCa. It also appears that fax. transmissions
tbat we believed had come from Parks, in reality originated from Samaan's fax. machin<: in the
Los Angeles area.. Please notc that the elements of Wir~ Fraud, a Federal violation, include the
.attempt:it fraud, but UIJ not require th~ actual success of the fraud attempt. And Wire Fraud
attempt against a financial institution may result in a prison sentence of up to 30 years (
Attachment D )!
Some of the early evidence of this scheme was presented in email notes from Michael Libow,
my realtor, on October 18 and 19,2004 (Attachment l~). In these email notes.Lilxlw repeatedl:t
demanded that Parks explain Libow's observations re{~arding phone number switch dtzing fax
communications, that Libow first observed on October 18,2004. Parks refused to r,~spond. To
facilitate the deception, Samaan opemt,~ her fax macltine(s) without phone line and sender
identifications, in violation of Federa I law and FCC regulations. Samaan also communicated
through such lines on behalf of Victor Parks her loan dOCuml:nts to Countrywide, for l.he
purchase of my home. Such an arr,m~:l~ent could not work with out implicit. if not explicit
approval from the Wholesale Branch. 111e use ofunidenlified fax: machine for loan origination
and support documentation is not only in violation of the law, but also contradicts Countrywide's
OWll regulations and policies regarding the use of fax machine. Countrywide, a gicUlt
corporation, has been involved over ttw years in a number of litigations over the correct use of
fax machines, and certain FCC regulations were written explicitly in relationship to the use of
fax machines by Countrywide. As such, Countrywide has developed specific corporate policies
and instructions regarding the use of fax machines. Given all that, it appears incredible, that
review of Samaan's l.oan file, obtained through legal subpoena from COlffitrywide, sbows that
almost all the documents supporting lhe qualification of the narrower, Samaan, and her
responses to Underwriting Decision/Condition. Let/us set by the duly assigned Underwriter -
Diane Frazier, originated from an anonymous fax machine, with no phone line numbu, and n')
Fax cover sheet. It appears illcredibklhat this worked, if we are to believe tile loan file (
AUachmelli f] listed such anonymous fax communications found in Countrywide's loan file.
A few transmissions, also listed in AtrQcllmell/ F carne from a machine explicitly identified as
Samaan's (Spellbolmd ). Our hypolll<~sis, based on evidence not ShOWll here, is tbat these
transmissions were all froin an lIP L:s·::rjet fax/copier/printer, and Samaan routinell' toggled the
settings on the machine between two identities:
a) Anonymous - when communicatillg on behalf of Parks, as a Loan Broker, and
b) Spellbound - when communicating as herself
But she forgot at times to toggle the identities, and therefore, we find several transmissions that
were intended to be from Parks, but carry the fax imprint Spd/bound, and a numher of
transmissions by Sarnaan as Samaan, with fax imprint Anonymous.
Of particular interest is the fact that onc~ of the documl~ts faxed with the imprint Spellbound.
·dated October 22, 2004, was a conujJt, invalid Purchase Agrebrtent and Joint Rn:mw
Jnstrudions '. the key docwnent gov(:ming the whole transaction. Also ofinteresl n:garding d121
transmission is the fact that it apparently did inClude 8:.llit~. that is missing from th<: document
as presented in the Loan File in respollse to subpoena. We bdieve that in this case thc:re was
indeed a fax: cover sheet Possibly including incriminating infl)rmation. 1berefore, Ibis page wa:,
diminatedfrom Countrywide's subpoena production in violation of the law. C..ounuyNidc's
:sophisticatOd fax: systems all<?w recovery of thiS missing docmncot even whem the paper copy
was destroyed, ~d ( e,xpcct Countrywide to do just that.
Of particular interest is also thl: fact that in anonymous transmission dated October 4.2004, till:
document titled Broker and B()rrowa Document Certificat.~on bears the signature ofSamaan,
but is missing the signature of both Parks, as Broker, and signature for Acknowledgement by
Authorized Employee (A[/achmen/ .~~). [n contrast, the ne>1 page, Mortgage Lom1 Origination
Agreement, bears both Sama3n's an,:( Paries' signatures. BUI. the Parks' signature hcn~, and
elsewhere in the loan file bears no re:,cmblance to his signature on court declaration.>, and is
likely not to be by his own hand (AffiH:lunent F )
Broker Document Certificatioll is a key document in the loan file. The lender has no control of
the documents prior to arrival, and a valid Broker Documen.' Cutifrcation provides at least
some limited guarantee for the integrity oflhe documents pn:sented to the Underwriter. Diane
Frazier surely noticed such deficiencies and others that raised concerns for mortgag.e fraud.
Therefore, she included in the Underwriting Decision/Condition Letter of October 14,2004, m
a condition, to be satisfied prior to loan approval - lhe receipt of signed Broker Docllment
Certification . But such signed Broker Document O·rtijica,'ion was never receiv,:;,.j" and is slill
missing in lhe Loan File. Maria McLaurin, after assuming underwriter authority on October 2S,
2004, deferred this condition in violation of Countrywide's O''ffl regulations (below).
"The facts regarding wire fraud can be corroborated by Midla,~1 Libow, my realtor, lind by Joshua
Allen Mailman, designated as
my Expert Witness in this case (Auachment (~ ).
pngoing Renl Estate Fraud--.!!1'- Sama[1l1, Parks, and McLuadn against Zemik
[. Fraudulent Inducement
I was not likely to accept Samaan's oncr to purchase my resicence in 2004. In fact, I fu-sl
responded to ano'ther offer. I wnsiden:d a realtor reprcselllin,~ herself as a higher ri:;1; offer, it
lacked qualification of the buyer by an ann's length neutral party. I also communicntcd thaI to
my realtor, and within a few days I w"s presented wilh an excellent Prequalificalioll Ldter on
Pacific Mortgage umsuUants letter h.;ad, transmitted by fa>:, and signed by Viclor Parks. Such
a Prequaliftcation Leiter is als') required by the standard PUlchasc Agreement that was used in
this lrnnsaction./Two and a half years ,taler, when I compared :he signature 011 that kiter with
signatures ofParks on his court declarations, I realized tllal lh,~ was no thread of semblance
between them.
The content of that Prcqualijic.alion L!1fer had no "base in realily, and tbe letter was m~~ based
on a written .loan application as required in tbe standard Califi;rnia Residential l'urdutre
Agreement and Joint Escrow InstrudiollS , which Samaan si~1:d to produce a valid offer to
purchase the house.
Who wrote and signed that letter? On what basis? I dOIl't mol'!.
Additional evidence for Fraudulent lnducemart included the: fact that Siunaan listed iin one fax
commUf,lication a stock account tlat sh(~ would liquida~:d to:mlke the initial paymen!.. No such
acCount ever existed, as she admitted ill; deposition. In another fax she rdated that she was a real
estate saI~n who closes a ft:w dCll.ls a year. We laler learnt that she had never paJticipaled
iIi any real estate trnnsaction whatsoever.
iT. Fraud against ?emik
· ~ .
,-
Samaan was at that ume a cosrnetks saleswoman in a depart:nent store, represented to us as a
unmarried woman. After I accepted the offer on September 15,2004, the story was <:hanged, and
she was engaged, to be married wiiliin a few days in Hawaii. But later - in her loan applications.
she was listed (apparently by the purported newlywed husballd who prepared the applications) <lS
an Unmarried Woman purchasing the property as Sole Owner. Similarly, in escrow doctlm.~nl.s
completed in October, she signed on declaration that she W~ an Unmarried WOIIUUI . 'Il1.at
change after my Acceptance, effectivdy gave the newlywed husband the veto power at close of
Escrow. Ifhe wished - he could provide a Quit Claim, otherNise, he could demand (0 be listed
as co-owner,
A.re they married? Are they not? Why fhey entered thi5 part (Ifthe fraud? Jdon't know .
. (n addition, Samaan was listed in loan applications as a Presj'dent and Sole Owner of a
corporation - Spellbound Enterprise, Illc , for at least 4 year, with no ot11er employrncnt, and
with income of $400,000 p'~r y.~ from that corporation. Su<~ claims are far fetchl;d. The
"~rporation was established less than a year earlier, arid a<:co.,·ding to its web page, engaged in
web retail sales of psychic and occult consumer products .. 'The Supernatural Supe'r5'tore .. -
provided Tarot cards, divining ,object;:, anointment oils, and (rystal balls:.
'Il1e Underwriting process at Countrywide starts"with Foose J~ There is one document that is
dearly, unmistakenly absolutely necessary at this point - a valid, complete Ulliform R~~idential
J~an Application (L003). 111<:I'e is no way that any undcrwJiter could credit determinations of
any applicant without a 1003, moreover, it is required by Regulatwn B. 111e 1003, combined
with: COlffitrywide's proprietaIy Llmlsafe Report, and an ajditional Credit RepOIt i~;sued by dIe
Loan Broker (in Samaan's case it was Coast Credit) ,are then processed via the proprietary
Clues Expert System to gencmte the Clues Report.
As it turned out, the compound fraud (funding of an uflWOrth)' applicant, and issuing same a
substantially discoWlted mortgage 10al1) was not as easy to pu II off as the perpctratols3ssurned.
T1Ie local branch Senior Underwriter"" Diane FraZier - repe-.atedly refused to issue cr{~:lit
determinations based on invalid Uniform Residenlial Loan AppliCD.tion 1003 showi\1!~ major
violations of loan progranl rules. And the Clues ExpcIt System was similarly uncooperative - it
i:isued a "REFER" determination (dJ!!:!£hmellt ll). Frazier laler lost her job, in part as a resull of
her conflict with McLaurin relalive 10 Sanlaan's loans.
~Iot being able to issue a credti deteonination. Frazier, then is:;ued an Underwriting
LleciswnlConditwn Leiter, dated OCl:,ober 14, 2004, and beating her hand signature (daac1lmg!(
!.), In it she made it clear that Samaall~ Loan Application wa:. temporarily suspcndw , and
Samaan had 10 days to provide new L()an Applications: (1003) and other documents. The
conditions as listed by Frazier Oil lofl4/04 for initial approval are lis~ below, follow(x1 by
Samaan response, in Italics : "
I) Acceptable explanation for <liscrep.mcies in "employment a<ldress:and phone infonnalion -
Sanuum never C/Jmplkd with this condition. since her se(femployment was in fact a
fc.'brication
-2) Approval by Corporate Unda:writinl~ Office, once a new se~ of tripliCate copies of 100) wid.
the.O.75% fees are provided by Samaan .
The harufling ofthis through ex~ptioir Request (0 Demetrio Gadi is described below
3.) Pricing to be corrected to show the additional O.75~1o fce -

Samnan never complied with this condition - she refused to pay the applicable lel~
4.) Samaan to show that she had alre.ady deposited $30,000 in Escrow
Samaan had not even paid that dl~p(}sit yet. She would["Ifill this condition afta Escrow
was canceled.
5) Provide copy of the Purchase Agre~:ment
10/22/04 - Samoanfaxed a corrupt documenl ofunknOl'ln origin, /0/25/04 - Samoan
faxed a valid copy
6) Provide 2003 business license showing self employmel1t al same location for 2 years, or
(X1uivalent from CPA
Samaan never CiJmplied with this condition - she eventu.111yfaud a business tin
certificate, but it contradicted her employment data
7) Provide Bank Statements for Well Fargo Account 10 demonstrale availability of flmds to
dose.
Samoan never complied this condition - she eventuallyfrrxed the bank stateme/lL~ - but
then it turned out that the funds were in ajoinl acrount with Irer macher, who would not provide
Irer with a letter stating availabllity oI t he funds.
The list above shows that out of 7 conditions for Initial Approval defined by Frazier 011 10/14/04.
and which Gadi instructed McLaurin to uphold., SamalUl wou d never comply wilh -1 unlil the
day the applications died through !.!.£J.:rj~ by Countrywid,? wd Withdrawal by Samaan - Jamwry
27,2005!
In discussing the Underwriting LeUer of October 14,2004, one must realize that it is
misrepresented by both Samalm and Countrywide's Legal Department as the first underwriting
review of this application after its only submission. In fact, the adulterated Date Received
stamps show that there was 3.1lolJler su:bmission, aIld the duly assigned underwriter - Diane
Frazier indeed confirmed that fact. TIle Loan Applications w~re first received in San Rafael
around October 1-2,2004. 'l1lerc was an earlier underwriting review of the applicali,)n, and a
requirement was set forth for resubmi:,sion ofvalid 1003's. IJut in mockery of both
lfnderwriling and Regulation B i the response was to produce all instant resubmission within
Sim Rafael- take the old 1003's, cros:. out the Date Received stamps, imprint new Date
Received without correcting aIly of thc~ data, aIld re-sC<Ul them as a new application on Octo bee
12,2004! .
frhy is the Legal Departmenl tTying to (:over this up, when tlu, Loan File clearly shows the
opposite despite their sincer.e efforts? l can guess.
McLaurin then tried to bypass the.loca.l undetWriter. She wai;:ed until October 25, 20{l4. Once
the (OaIl was ~hnicany closed. she usurped Undetwritets aUlhority, revived the application; and
·in violation of Underwriting Conditions issued a referr:ill to Division Underwriting Supporl -
. Demetrio Gadi - for an ExaptiOTt Rtq,uat (Atta~nW • Tllat request was an additional
vio~on of Regu14Jion B:
- it was presented With neither valid IlJ01's nor valid Clues ~qJorl
- the annual incOme figure included in it was to-fold inflated·- from the fictional $400,000 in
the 1003's to S4,OOO.OOO! _
- credit detenninations included in the IreqUest wert sintply.made up, with no basis in ~~)und
underwriting principles.
Gadi was most likely infonned by Frnier of McLaurin's chicanery well in advance. Careful
reading of his" Approval" communication shows that he rea Ily did not ~rove a!!y'£~~lion..:!::..
;dl. TIle borrower was to add the 0.75 %, as previous I)' del err lined by Frazier. and tJlc borrower
was required to produce new. valid 1003s. Moreover, Gadi r~nforced the authority of the local
branch underwriter and deterrnined that the Branch Manager must abide by all condi ticms and
decisions previously stipulated by Diane Frazier. Moreover, he added new condition:> that would
make it practically impossible for McI.:mrin to get that fraudulent application funded:
• A new Clues Report wa., to be i~;sued prior to funding
• All documents had to be reviewed by a branch underwriter prior to funding following
Countrywide document quality assurance prooxlure.
• Mclaurin to issue a non-<leleg.ated Mortgage IllSuram:e at cost to branch, and
demonstrate a certificate in the file prior to funding.
In fact this Approval by Gadi, reads lIS a resounding vote of no confidence in the personal
integrity and professional judgement of McLaurin.
I had no knowledge of any of that in 2004, as the seller. in the underlying re-'ll estate transaction.
But both I and my realtor were geuinr: incrc;asingly alarmed t y what appeared as repeated
instances of dishonest dealing or worsc~ and by Samaan's f:lilure to perform. I was also waiting
for Samaan to remove her contingenci.~) prior to making a large deposit on my next dwelling.
But Samaan failed to remove the contingencies, and I :;ubseq\lenlly lost thc dwellinl~ tklt I had
·(:hosen as next for me and my family.
By that time, the typical Califomiareal estate transaction, witll its measured dynamiC method 0['
contingencies, intended to equitably d:istribute the risb and liabilities as the transaction moves
along from Acceptance to Closing, was turned upside down. It was clear tJlat the buyer would
f1:ot be able to close on schedule, but irI waited any longer, she could force me to c1i)~;'~ at any
time in the future. at will~ regardless ofwhether or not I had sl:Curcd an alternative dwelling.
And she could also cancel without an ~;ignificant liability to h<:rsolf, since she still Iud not
[\~moved her last two continl~encies(Loan and Appraisal).
Therefore, [ issued a Noti« to Buyer UJ Perform . [n respome, I r<:c<:ived a letter from buyer in
which she explicitly refused to remove the last Contingt~nc)' (Apprnisal), without any
justification. And Parks. the ptuportecl Loan Broker. was feeding false infonnation to my realtor
ail the same time. From October 1410 October 18,2004, he never.informed Libow, mJ realtor•
.eyen once of any problem related to th·:: Purchase AgreemenL On the contrary. on October 18,
2004 he was communicating that Samaan's ~ was approvt:?!, the only remaining oC)fIdition
bdQg AppraisalReview. Neither couldn't be further th'lll tbe truth - Sarnaan's loan was:
temporaniy suspended pending receipt of valid 1003's. But S.tmaan would never submit valid
l003's{ And on October 19.2004, Parks infonned Libow that Review Appraisal wou:ld! be "in by
F'r"lk y ". (that was Oct 72, 2004), when in effect. it would be almost a week before Maria
Mclaurin would fteSt take over underwriting and order Appraisal Review - in violation of
. Underwriting Conditions. .
Indeed. Samaan already had in her hand an appraisal that came: in at'sales price. and lacked any
loan approval. But In response to th,~ Notice to Per/arm, she removed the Loan CO/ltingenc:y ,
and refused to remove the Apprairaf Contingency. Her actions in this regard, and l:ven more so
- the justification she provided in a kUer, appeared as yt:t aoother dishonest dealing, which in
retrospect they surely were. [then acted within myllbso!ule right and issued ft,Slruction to
Cancel Escrow .
In short - the loan file indicates the lollowing doubk history by the time it was produced in
response to a legal subpoena. Needl,ess to say, creating fabe loan history is another violation of
Regulation B :
Date True History Revised HisfQ!J'.
1) October 1-2? - First submission - October 1-2, 2004'1 Records eliminaled. Slamps cross'!d
'oUl
2) Early October - Underwriting communication require.) resubmission of valid 1003's
Records mostly elimi1l(lted
3) October 12 - Mock resubmis.s:ion Now presented as th~' only Dale
Received
4) October 14- 1st Underwri1iti'l~ Letter Prior Underwriting documents moslly
'eliminated
5) October 14-25 Ten days allO'\ved to correct 1003's el:C Samoan again refused to resuhmit
valid 1003's
5) October 25-29 McLaurin attempted Exception Request
- 6) October 29 2nd Underwritl~rlg Later - Conditional Approval
Original r.'pproval Conditions SU;{ .'101
complied with
6) November 3 3rd Underwriting Leuer - Conditiollal Approval
Or~gi1l(l1 Approval ConditiollS still /lol
romplied with
7) Jan 27, 2005! Denial of the 2nd lien loan by Countrywide Samoan Iric,llast minute
Withdrawal to avoid Denial
Jheseevents in 2004 may appear to some as solely an attempt at fraud against Countrywide,
lfacilitated by a Countrywide Branch Manager. But in effect, the Purchase Agreement stipulated
lhat buyer '''shall ad diligently and ill goodfaith to oli/ain d.~ignated loans". 111crdore, the
lraud was alSQ against the me, as selke. I wanted to sdl my house and move in 2004, my life has
been since disrupted, and I am under constant extortion by Samaan as a direct result of that fraud
ntlempt against Countrywide.
From October 2004 to October 2005, Samaan issued various threats, but waited a yC.:lf, and whcrl
real estate continued to appreciate, she filed suit for SpeciFu: .Performance .in Octob<:t· 2005, and
immediatcly placed an'abusive Lis P~~fdens on the property as well. [was instantly Idl Withoul
{lny control of my own property, my ov,n finances, no access to my own equity even to finanoc
my own legal defense against a malici:lus prosecution. and with rio control of my own time of
day for that maUer, with frequent OOWl: appearances and rolling Ex Parte threats tMtBrc
deliberately aimed to harass. I ~ not able to sell, not even t~) mter a long term lease:, ilnd surely
nt>t to refinance at a time ofcon<:ems e'vecswinging interest rates. By now, the prop-ctty has
appreciated over 3~/o, but Samaan is d,~nanding to obt.ain it ill a 2004 price! And in ~~~, I
- - had to defend myself against a malicimlS prosecution daat has completely disrupted my Ii fc.
..----
In November of2006 I filed a Motion for Expunge of Lis P:mdens . But in what was probabl>
the most stunning episode in lhis wh<Jk tale of fraud, Samaa l'S husband and her counsel,
Mohammad Keshavarzi, companions in fraud under Sheppa.-d and Mulfin name, were allowed
to produce, in what was at best an abuse of discretion, a new set of documents, never produced in
a prior subpoena in an Ex Parte Sur Reply. These documents included:
1) a new Underwriting Letler , datce; October 26,1004, ncv,~r produced by either COlmtrywid(~ or
Samaan
2) a new letter from McLaurin, endor~;;ing the new Underwriting Letter. and misinterprcting it I(:r
the judge.
3) a new copy of lhe Purchase Agrentlfflt and Joint Esc.roH' Instructions , never s(:(:n befofl~,
never earlier produced by either Coulluywide or Sarman
4) a new declaration by Parks
5) a new declaration by Keshavarzi
And a whole new history was made up for the loan approval process:
1) October 14,2004 - Samaan's loan application was suspcnjed because of missing initial(s) or
:;;ignature of seller on the Purchase Agreement
Which one? it was nel/a specified
2) October 22, 2004 - Samaan asked Mara Escrow for a copY' of Ihe Purchase Agn.;emenl, but
received by fax a copy missing my signature and initials
11wt was afabricatiofJ, Mara Escrow faxed Samaan (they thought (hey were
/clXitlg Parks) a copy bearing my sigrwture and initiaL,.
3) After October 22,2004 - 7.-cmik Sij?;lled the Purchase Agrc ement only after OctolK:[ 22, 201}1 -
11wt was anotherfabrication. TI,e copy oft}'e Purchase Agreemellt..flJnvardcd
by Samaan 011 October 25. 2004 (it come with a fax cover s!u'et identified as Parlcr) shows my
dgnature and initials, a fax header in~rrints show that it is the copyfhat Wa.i faxed Fom Mara
Escrow 011 October 22, 2004.
3) It was Zernik who prevented Samam's loan from lx:ing fUllded by denying her that
iniLiaUsignature.
That was of course another fabrication. If one is to name three rea.':;OllS Samaan':;
loan were suspended I would lists: a) missing valid 1003'5. b) missing d()Cumentatioll of funds
~nd bank accounts, and c) conflicting R~idence and Employment data the nagged S;lInaan as u
potential fraud case by both the Ques Report and the manual Uniform Underwriti/lg
Transmillal fonn.
It is sufficient·to read the corrcspondel:lcc between Lib:>w, my realtor. and Parks, Sam3'-"lIl'S LQan
Broker on October 18-19,2004 (Atlac[!!Ttent E ) to see that this fabrication had no b25e in reality .
.F'~ in all Communications with Lib:)w,never asked for such initials or signatUre. And Mara
I~w did fax Parks a valid copy upon his request on October Tl, 2004, but Paries tIlled to
provide it to CountryWide Wltil Octolx:r 25. 2004, all well aftet" I cancelc<l escrow.
. I first came to realize that something a wfully wrong W~lS goinl~ on in November 2006. After a
. f(:w ~onths of intensive learning and investigation, I finally realized fuat all five doournents
listed-above, introduced by Keshavarzi:-and Sheppard Mullin in Novern~ 2006, and some
as
. others filed ill that hearing well, were all products ofrraud, a full collaboration belween
Samaan, Parks, McLaurin, and Kesh:rvarzi. Keshavarzi, Sanaan's attorney. described such
allegations as "conspiracy theory n.
But I repeatedly demanded that Counlywide explain how suddenly, in November 2006, a new
Underwriting Letter appeared for a real estate transaction in 2004, after it had been consistently
missing from the Loan File in four (4) repeated subpoenas! And Countrywide evenlually
produced in mid April 2007 a series G f documents recording Procurement ofPerjury including
the newly emerged Underwriting Le1!er and Mclaurin's letter that introduced it to court (
Attachment K). With that production, the Legal Dep;utmem repeatedly claimed, and stated in
writing as well, that all documents related to Samaan y Zernik were produced. Now we are 2-:1
months later, and it was obviously a dtXeptive claim,
But the Underwriting Letter of October 26, 2004, newly emerged, was not a valid Urraerwr;titrg
J-eJter at all. It did not reflect the tru:: loan underwriting precess as of October 26, 2004, and it
did not say anytlling about suspension on October 14,2004, as a result of missing Z,crnik's
, iinitials or signatures as claimed by Samaan in court. Yet the Legal Department ha1; consistently
refused to provide any statement to counteract the hann done by Mclaurin's fraud, while
McLuarin appears in court as a spokesperson for Countrywide. Instead, the Legal Department
has repeatedly hid behind the irrelevant and false claim that it had complied .with its re~'iponse to
II legal subpoena, and with it appeared tilat it had considered it fulfilled its obligations
And then by June 2007,1 discovered tl·':lt already in early ApriI2007,·in response to
investigation by a Federal agency, Countrywide had engage in correspondence that wntradictl:d
McLaurin's claims in court. Countrywide claimed that SamlUlIl'S loan would never w()\ll~ have
been funded, regardless of seller's canccllation! Those docurtlcnls were omitted from production
in violation of the law.
And in correspondence last week, witn,~;>sed by Rabbi Bemhard, Countrywide's Legal

Department all of a sudden claimed that an internal investigation had concluded thaL my
allegations were "without merit ". But that report was also omitted from subpoena productions!
At present, it appears that if allowed to continue, this (AlSe will surely bring me to bankruptcy -- a
case that represents everything what B,~t T1.edek 's mi~;ion is w prevent - real estate [mud
perpetrated againSt a lawful owner by pmfessional crooks. A Countrywide Branch Manager,
which I have never met in my life, an~ with no discernable reason, has been trying to hann me
by enabling and facilitating fraud by San'la311 and Parks against seller, which by now totals
hlJl!dreds ofthousands of dollars. Togt:lher they have s.cuttJed my life plans; and are dlreatening
t9' drive me to bankruptcy. I have already"been forced to open retirement plans to finance my
a
d<~fence in malicious litigation where McLaurin is obviously an accomplice, and Cowltrywidc's
L~gal Department's role is still to be deltenni~ed.
Attorneys for the Legal Department c1e:uly show no intl~ in the fact that a Branch ,Managcr
ati:i:mpted· fraud against the bank. In fuct attOrneys for the Legal Department have bc<:n trying (0
C<l'ver·it up by prOducing partial responsl::; (0 subpoenas, and·at times making deli~ately false
representations to the fraud victim: In tlltdr moSt ~t email (below), all that was dc~nied. But
in the very same email note was the statement that flfSt made me aware.that Country,vide
engaged in an internal investigation that found my all~gations "without merit", which had ncv~r
been produced in four (4) subpoena f.oroductions!
That fact alone shows that my allegations were not "without merit". For one, I have: deciphc("('(1
most of the documents in the loan tiI(:, and otherwise, months ago I managed to gel hold of the
local branch underwriter, Diane Frazj,~r. She confirmed my ':;oncerns, and provided me with
invaluable data in understanding som(~ of the missing links. She also provided me ,...·jth general
information regarding loan underwriting in the San R;lfael Wholesa[e Branch around 2004, that
allowed me (combined with some estimates from elsewhere) to make some estimate:, of the
scope of fraud conducted in that bnU1dl.
My estimate is that Maria McLaul;n was single-handely involved in racilitatinl~ about

$509,000,000 per year in fraud agailllst a government-backed mortgage Icode.", by effecting
the approval of outlandishly fraudulent mortgage application. that the senior underwriters
r~fused to approve, even under constant pressure.
Ofinterest, when I last tried to call Frazier, a man answered lhe phone, who warned me that I
must never call her again, since she promised Countrywide n~ver·to talk about these issues. If
ever called her again, he promised to "(:ome down to LA and gun you down". We;
subsequently tried to serve Frazier wi~b subpoena for deposition, but it vanished, had abandoned
her residence within days aller my last phone call with her, n·)where to be found. In our last
, .phone call she doubted that anybody "couid bring Maria MclAurin dow,r. "
.In subpoenas and Meet alld COllfer I have repeatedly asked for any Internal Audit, illiemaJ
Audit, S~curity or Imaging Reports . or data independently gathered from PipelilC/~ Reports for
lhe relevant months, to com)borate tll<:; data in the Loan File. lbe Loan File, as produced by the
Legal Department, was obviously intended to deceive. lllcre was no way to constnl(~t a
wherent, internally consistent undCiwriting process OUit of th<: material in the Loan Fi Ie as
produced. And despite the intense effo)jt to erndicate conllict] fig cviden('-c, it still sllows that
Samaan's loans were submitted and reviewed prior to October' 12,2004. nut aUome;y:; for the
Legal Department repeatedly engaged in deceit, claiming that I was asking for records: that were
'non-odstent ". That claim was repealed even in the rl;cefit note.... last week (sce bdow).
None of the extensive email correspomknce related to this Imm file was ever produced. Such
email correspondence would surely provide much of the missing infonnation. Mcl.AlIJrin herself
explained to me by phone on December 2006. that she had bo~n personally involved in preparing
th~ original subpoena response, and (h;11 she had concluded that CoWltrywide was not obligod to
produe<: such digital records in response to legal subpoenas. Instead, Countrywide l1::pealcdly
produced an invalid empty paper form titled "Conversation L7gS, San Rafael Brandl ". A1readl
months ago, Diane Frazier informed ml~ that such paper foons have never been.used in San
Rafael at least as far back as 1989. the year she started working (here.
, II is also obvious that critical fax. cover sheets or transmittal letters were consistently climinatcd
i fi'Om the loan file. The r:eason. most likdy is that they would have shown that whichi.:; obvious ..
I that San.taan brokered her own Joan with the Wholesale Branch, in defiane<: of the law and
j COWltrywide regulations. I kn9w enoulr,lI about CountI]rwide's systems and practices b.Y now,
I
,;
o·
j
I
and some of Ihe history of Countrywide's litigation history in relationship to the use of fax:
.machines. There are even specific federal regulations authored in response to problems arisinf:
from Countrywide's fax machine praGticers. Therefore, it i:; obvious that by 200·1 Countrywide
was using sophisticated fax: machines that would allow retrieval of any lost paper copies from
transmissions. And Countrywide stair was supposedly trained in FCC regulati9ns, and secunl.:1
regulations as well, not to accept loan documents arriving ftom an anonymous machine, with 110
phone line listed, and with no fax ro','er sheet. And if that was indeed. the case -then there
should have been an Internal Audit report reviewing these instances;
"
The buyer, who in 2004 had a check [or a $1 5,000 deposit bounce twice for NSF, luts now spenl
by some estimates around $200,000 on legal fees. And strangely enough, attorney Keshavan.i
seems particularly interested in prote,;ting Mclaurin. the Branch Manager, who is 11-C.t even lhe:r
clienL In relurn,.the Branch Manager supplied buyer with fraudulent claims, fraudulent bank
documents, and made statements and declarations in l;Qurt t.hat form the foundation of this
malicious prosecution.
The damage caused to me by this mallicious and illegal conduct of McLaurin is en')[1l10US, and is
rompounded by the day.
1 sent last week a rouple of email requests to Mr Mozilo and Mr Samuels marked "I.lrgent". and
"Personal". I have never heard back li'om either of you. Instead, I am got a recycled obfuscatill!:
response from the same Legal DepartJlO.cnt attomey who has been deceiving me for almost a YC<lr
now, claiming thaI Countrywide complied in full with Legal Subpoenas, etc. It is till: same
attorney who used a claim of piollS observance of the ./ewish holiday of Passover to :lvoid
.showing up in Court to defend his position. As a fallie;r who raised his children in IIH~ Jewish
faith, I found that particularly offensi\',~ and despicabk.
In a previous letter I have reduced my request to a declaration of nine words by an officer of tilC
c:orporat.ion. a repeat of the statement tnall was infonned by Thrift Supervisors (Ft:dcral
Banking Regulators) was used by Countrywide to fend oIT investigation into this issu,~:
Samaan's jirsllien loan would never have been fundd . In response I got a refus3J by the same
attorney.
I would still like to believe that I would ~~e( a positive respons,~ if you knew the facls in this
matter, which were therefore provided h,~re for your review in rather gi-eat detail. I slill believ,~
t.hat those who would be hosting the Ju:rtice Ball later this month, celebrating with many in the
law rommunity, would not allow this to stand.
In AttiIchment I is a ropy of the legitimate Undcrwriting Lett,:r o.fOctober 14,2001. In

Altachment K (and Exhibits U and 28 in the text below,l is th<: newly found Unduwriling
-. L~, that first appeared in Countrywide's production:; in April 2007, but appeared in court,
through Mclaurin. in Nov~ber 2006. lbis newly fouild Underwriting LdJu has bo~n the
center-point of fraudulent statements. These fraudulent statements can be sUmmarized as
follows:
COUNTRYWIDE SUSPENDED DECISION ON PLAINTIFF'S LOAN APPLlCAnON

BECAUSE ZERNIK HAD NOT Sl~NT THE FULLY EXEClffED I)URCHASE
AGREEMENT. SUCH SUSPENSiON TOOK EFFECT ON OR AROUND OCTO HER 14,
2004. SUCH SUSPENSION WAS E:VIDENCED ItY A DOCUMENT PRESENTED IN
EXHIBIT #24 IN OPPOSITION, AND AGAIN AS PART OF EXlllBIT m IN TIll~
SUR-REPLY.
Following are some examples of statements (in qu.)tes) fmm offending filings tbat resuU(~d
from this fraudulent Countrywide document, foll(j,wed by my statements des<Tibing the
true facts in this matter:
a) Plaintiff, through her Attorney of Record, in the Sur-R,~ply Brief p7, referrinl~ to Opposition
Exhibit #24, stated:
"TIle following week. on Friday, October IS, Parks learned I1mt the lender was s~;pending a
decision on the loan because defendant had not yet plOvided Parks with a signed Purchase
Agreement (parks Decl111, Exh 24)'"
This statement is repeated numerous times, but it is false and deliberately misleadlflg. J<:xhibit
##24 is an invalid, false and misleading documenL
_b) Victor Parks in his declaration ~[J the Opposition to the Motion (E:xhibit #l00), pS states:
" 11. TIle following week, on Friday, October IS, I learned that the lender, Countrywide was
suspending a decision on thc loan bccause Zcmik had not yct sent me the fully cxeccutcd
Purchase Agreement. Attache.d hercto as Exhibit 24 i~; a true and correct copy of COIlI1trywide' ~
notice which states the reason for the suspension."
The document presented in Exhibit 1/2.4 is an invalid and inadmissible document. AU
Keshavarzi tried to get it authenticated by Maria McLaurin, Bank Manager in Countrywide (
Exhibit #105). She refused to do so (I<:xbibit #105), yet he included this document once in the
Opposition, Exhibit #24, and again in the Sur-Reply, Exliibiit #28.
·I:hisdocument was never included by Countrywide in subpoenas as part of the Underwriting
Decision/Condition Letters. II was not part of Counlr)'Widc's Loan File.
This document was created on October 26, 2004, and not on October I S or earlier, HS implied
here.
°lbis document ncver stated the rcasoll for the suspension as claimed in the previous sentence of
Parks' declaration.
°rnc claim in Paragraph 11,l1f!d Exhibit 1124 are false and deliberately misleading.
(:) Again, on p6 of Victor Parks' declaration in the OpPosition to the Motion, he slated:
.. 16. The only mlSOn Countrywide did not approve the. appraisal of the property was iliat we did
not timely receive the Preliminary Title Report and th<: ex.ecuted Purchase Agreem(~IIlt."
Tbis statement is lacking any valid evidence. This claim is false and misleading.
~!) Plaintiff, through her Attorney of Record, in the Sur-Reply Briefp3,and Exhibit 1128,
stated:
~Second, to remove ll{Iy doubt that Countrywide suspended Samaan's loan because it had not
I
! yet received a signed Purchase Agreement, attached hereto is EXhibit 28 to the Suppl,~mental
i Declaration of Victor Parks. Exhibit 28 is a letter from Countryside to Victor Parle, dated
I
1
i
II
I
November 6,2006, confinning that Countrywide did, in fact, cancel Ms Samaan's loan beeaUSI~
defendant had not yet provided her with a fully executed Putchase Agreement."
This statement is lacking any valid evidence. This statement is false and misleading,
e) Victor Parks. in his Supplemen~al Declaration ill the SlJr-Reply stated:

«Attached hereto as Exhibit 18, is a tme and correct <:opy of a letter I l1-'Ceived from Countrywide
Home Loans, Inc., dated November 6, 2006, confinning that on or around October 14, 20M,
Countrywide suspended the processing ofMs Samaan's loan because they had not y<:t received a
copy of the fully executed Purchase Agreement. This letter is accompanied by the aGtual Noticc
of Suspension that Countrywide sent me in October 2004."
This statement is lacking any valid evidence. This statement is false and deliberately misleading.
This fraudulent Underwriting ~ocumwl, together with Maria Mclaurin's contributions have
since become the comer stone of this malicious fraudulent prosecution. 1l1ey are now fcatu~d
prominently in an incredible Motion lor Summary Jlldgeme'Jlt , pending hearinl~ in <L few wceks.
Mr Samuels and Mr Mozilo, you have been provided by iBOW with sufficient materials to
figure out the situation. Uyou need any additional documents, please let me kllow
immediately. Lack of action by you would surely )JCrrnit further fraud. This pm-version
and subversion of justice has proceeded uninterrupted for months in tlte Coudhouse in
Santa Monica! It is time to bring if to an end.
Mr Samuels and Mr Mozilo, 1 call upon you to uphold your personal duties to safegu:ml
tbe integrity of operations of Countrywide, and immediately stop this illegal conduct by
McLaurin and do all that is necessary to ensure th:at I am protected from any continuation
of this malicious, harassing prosecution, to the degree that it is reliant on Counl rywide
employee, Maria McLaurin.
Left uninterrupted, this malicious prosecution, based on fraud, will surely roll me of my
savings, Jlnd ruin my life. It has a.lready caused my to nCl~lect my business, my child ren,
and social obligations. It has caused me enormous financial losses, relative to my means,
and it promises to leave me bankrup~.
Given Mr Samuels position in Ba 1'zdek , I call upon you to respond to the simr,le
cl~estions below, so that I may remove this abomination f.·om the LA Superior CouI1lrouse
Ilrior to tbe Justice
, Ball!
!'Iease respond to the following guesitons by Tuesd;~July 2, 2007,5:00pm
. Regarding the document purported to be an aulhemic ,and valid Coumrywide Underwriting

Decision/Condition Letter (Attachmen! !{).
·1) Was this documem a valid true and correa Countrywide Underwriting leiter?
2) Was this ietter dated OCtober 14, 20M, as was represented in Court?
3) CouId this letter pOssibly be transmitted to a Loan Applicnnt and/or her Loan Broker in its
current form on or about October 14 or on or about Odober J5 2004? Orfor thaI malter - on
or about any day prior to October 26. 2004?
4) Was this letter issued by Diane Frazier. as represented?
5) Isn't the person issuing such a letter required to h{1.'Id-sigll such a letter following
Countrywide's own manualfor faxing Underwriting Letters?
6) Did Diane Frazier hold true Authorityfor underwriting Samaan's loan on Octoha 26. 2004?
7) Did Maria McLaurin /wid true Authorityfor underwriting this Samoan's loan on October 26,
2004?
][ wish all of us a true celebration of Justice onJuly 28.2007.
j10seph Zemik
., Countrywide here denotes CFC. Inc.. and/or any and all of its subsidiaries and am liates
CC:
Rabbi Jonathan Bernhard
"nle Honorable It William Schoeltler
Rabbi Joseph Shustemlan
Otllers in the legal and Jewish community in Los Angeles.
Attached:
{WaehRlent A : Beth TzedckWeb Pag'~.> with President Samuels pronQuncements

t.lttachment B : Samaan's Adulterated loan Application (lOOJ), and listing of fraudulent data
presented in it.
t.lttachment C : Regulation B violations in Samaan's loan file
t.fttaehment !2. : Parks Hand signatures
Attachment E : Wire Fraud - ElemenL" ~md ~vidence- Email notes of Michael Libow, ,-emik's
Rcaltor on October 18-19, 2004
li'ttachmcnt F : List of anonymous fax communication> fOUlld: in Samaan's loan file and and an
unsigned BrakO' Document CutijicatiOR .
A ttachment G : CV of Joshua Mailman .
Attachment H : Clues Report for invalid. Loan Application (1003)
Attachment I : Underwriting D«ision/Condition Ldb.-.r 10/14/04
Attachment J : Mclaurin's fraudulent E.xception Requ<:st (10/25/04) and Gadi's Exception
ReqiJest "Approval" (10129/04) . .
Attachment K : Procurement·o(P~wy: McLaurin. Lloyd, Kcshavarzi, and the newly found
Underwriting Ldid .
Todd To
BoockIAttomeyfLegaVCFICCl
cc
071051200707:26 AM
bee
Subject Fw: PLEASE ASK SANDOR SAMUELS TO S rDr REAL

ESTATE FRAUD
- - Original Message ----

Fl"Om: JOSEPH ZERNIK UzI2345@earthlink.nct}
Senl: 07f04n007 07:31 PM MST
To: jzI234S@earthlink.nel
Cc: ~dor_samuelS@counlrywide.com
SUbj«:t: PLEASE ASK SANDOR SAMUELS TO STOP REAL ESTATE FRAUD
FOR IMMlmlATE R~:LEASI<:
COUNTRYWIDE* (NYSE:CFC) Srn~·PRIME LEADER SEEKS PROTECnVE ORDlm

8evedy Hills, July 4 In Samaan v Zemik , heading for trial, an invalid Countrywide <Iocumcnt,
dated October 26, 2004, was declared as dated October 14,2004 -- deceiving the O-)lut and
committing fraud against Dr Zcrnik. The fraud was committed by collusion ofNivlc Samoan
and Maria McLaurin, Countrywide llranch Manager. In 2004 McLaurin and Samaan also
colluded in Mortgage Fraud attempt andin Wire Fraud. Based! on data for 2004, as (~<;tim:lted by
Diane Frazier, fonner Senior Underwriter, McLaurin also probably personally appmvGd about
$0.5 billion per year (!) in grossly fraudulent government-backed loans. .
Angdo Mozilo is Internal Audit Committee Chair, and Sandor Samuels is Chief Legal
Offker at Countrywide. Samuels also served in public positions in Ziegler School l~)r
Rabbinical Studies, and in Adat An EI, and is now President at Bet Tzedek (free legal services),
Tzedek Justice Ball, July 28,2007 raises funds to provide "equal justice for all ".
In rocent days, Dr Zemik approached three community dignitaries - RJonathan Bernhard of
Adat Ari EI, Hon RW Schoettler, and R Joseph Shusterman ofChabad in appealing 10 Mr
Samuels and Mr Mozilo to stop real estate: fraud in Samoan v ·Zernik. Both Countrywide officers
declined to take action, and CountryWide ;announced it will seek protective order against Dr
Zemik in Santa Monica Court, Friday, July 6,2007, 9:00am. Unusually broad proto;tiive order
Iteo....tryw;dc ~ dcooIcs Cot.mywide FmanciallnstiMion and all its sWsi<tiari<s ond affilialcs.
For a1diJional information regarding t!Us action conCact:

Josepll Zanilc, DMD,PhD
Tel: J 104359107
Fax: ~:Ol 9980917
Email: jzl2J45@c:arthlink.net
END
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SUbject Fw: PI~EASE ASK SANDOR SAMUELS ro STOP IlE I\L
ESTATE FRAUD
- - Original Message ---

From: JOSEPH ZERNIK Ul.I2J4.5@earthlink.nel]
S.:nt: 07/04nOO7 07:20 PM MST
T(): jz.12J4@earthlink.net
Jec: sandor_ samuelS@countrywide.com
Subject: rLEASEASK SANDOR SAMUELS TO STOP REAL ESTATE FRAUD
'FOR IMMEDIATE RELEASE
COUNTRYWIDE* (NYSE:CFC) SUB-PRIME LEADER SEEKS PROTECTlVE ORl)I':H.

Iknrly Hills, July 4 In Samaan v Zernik ,heading for trial, an invalid Countrywidl~ (bcurncnt,
dat,:d October 26, 2004, was declared as dated October I if, 2004 -- de<;civing the court and
committing fraud against Dr Zcrnik. Tl,e fraud was committed by collusion ofNivie Samaall
and Maria McLaurin, Countrywide Branch Manager. In 2004 Mclaurin and Samaan also
colluded in Mortgage Fraud attempt and in Wire Fraud. Based on data for 2004, as l;stimated lIy
Diane Frazier, former Senior Underwriter, Mclaurin also probably personally approved about
$05 billion per year (!) in grossly fnlUdulent government-backed loans.
Anl~elo Mozilo is Internal Audit Committee Chair, and Sa,odor Samuels is Chicf IA1~:l1
Officer at Countrywide. San-IUds also served in public positions in Ziegler Sch(x,1 for
Rabbinical Studies, and in Adat Ari EI, and is now President at Bet Tzcdek (free legal services),
where he prominently called for Justice and real estate fraud prevention. Upcomin,g Beth
Tzedek Justice Ball, July 28, 2007 rais(;s funds to provide "equal justice/or all ".
In recent days, Dr Zemik approached three community dignitaries - R Jonathan l.klllhard of
Adal Ari EI, Hon RW Schoettler, and R Joseph Shustelman of Chabad in appealing to) Mr
Samuels and Mr Mozilo to stop real ~st..te fraud in Samaan v Zernik . Both Co!-lnuywide oHiccr:;
decl,ined to take action, and Countrywide announced it will seek protective order against Dr "
Zemik in Santa Monica Court, Friday, July 6,2007, 9:00am. Unusually broad protective order
*COUl1lrywide here d<:no<GCourtrywidc financiallnstitutiou oM all itS subsidiaries In! at'liliales.
For additional information regarding tllis o<:t;o" contad:

loseph Zernik., OMD,PhO
Tel: 310 4JS 9107
Fax: 101 9980917
Email.:jz.I2J4S@earthlink.net
END
~~ - ATIACH K-PROCUREMENT OF PERJURY.pdf

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:::"HI 2:(IH.f1 12
1·.lUI,)8')(,'
January 12. 2008
Sandor Samuels, Chief Legal Counsel

Countrywide 1 , •-
President of the Board
Bet Tzedek - House of Justice
By I=ax: 3:t3.549.5880
RE: "'R SAMUELS - PLEASE STOP YOUR FRAUDULENT CONDUCT
Mr Samuels
On Friday in Santa Monica court I appeared before your friend, JUdgE' Terry Friedman - former Bet Tzedek executiv3 cs
well. I explained that approached you in the past. ariel j approach you now again in your capacity as President ll.f Bet
TZE!dek -- "House of Justice", a voluntary public figure, appearing unde,r the biblical motto - zedek zedel1 tirdof
- tireles~; pursuit of justice.
It is a sharneless hypocrisy that you hold on to your position at Bet Tzedek. Last week media reported that CountrYlvide
filed "recreated" documents in court in New York. AmI documents I obtained as part of SUbpoena in Salnaan v Z6m.!.;
show the rJadmap for fraud against the governmert in billions of dollars per year in just one small branch.
I hold thE! following Countrywide documents to be part of fraud a!J3inst me:
1) Underwriting Letter (Loan # 81737375), un'signed, issued on October 26, 2004

It was invalid at birth - it showed the name of Diane Frazier as underwriter, but It "vas never issued by DianE' Frazier. FUr\llermxE,
it was not even part of Countrywide's loan file until April of 2007. My guess - it was part of the private trove J"fraudulent
documents of Maria McLaurin. the Branch Manager hemelf!
2) Fax copy of a Purchase Contract from same loan file
It was never faxed to Countrywide by Loan Broker Victor Parks at the time inoicated in the anonymous 'Iax header impnrt,
and was never received by Countrywide at that tirne. Like most of the dOGum~nts in Samaan's loan filE. it is the proddc! of
a fax/wire scheme that upon review is likely to be deemed wire fraud (Jp to 40 years in federal prison). Such had 10 have
a partner on the receiving side, most likely, again - Maria McLaurin hel-self How such escaped your Ir::ernal audits,
external audits, etc, is still unclear, since it allowed construction of complete loan files that were off the r:;cord l
I call ulJon you to immediately resign from your position at Bet Tzed~~k;
alternatively - to appear before a JE~wish Court - Be,t Din - to review my claim of
Gnevat ha-Da'at, or Fraud on the Public stemming f.'om your service as Presiden1
of Bet '"zedek in and of itself.
Please \respond by Tue, Jan 15, 200~, and let mE! know your conclusion .-egarding
these two documents. Please also provide me with a copy of the invest:igatiorl
report that you referred to in a communication with Rabbi Bernhardt, and
presum,ably found my claims to have no merit at all.
Joseph Zernik
CC: Board members of Bet Tzedek, and others In the jewish and/or the legal community.
Attached:
1) bJYT st::lry re: Countrywide's "recreated" documl~nts, Jan 8, 2008
2) Bet Tzedek web pages that were hastily removed, where you appeared ai> fraud buster
-------------
1 Cow1trywide here designates CFC, Inc andlor any of its subsidialil!s and affiliates, jointly andlor severally
2 NotE': BusinESS affiliations noted for identification purposes only.
January H, 2008
Lend{~r Tells Judge It 'Recreated' Letters
The Courill}.\\"idc Financial Corporation fabricated :iocuments relat.ed to the bankruplcy case of a F'1:nnsyh'aJlia
homeowner, court records show, raising new qllC~ tions about the business practices of the gianl Iflilltgage Jelld,'1' .ll1be
center of the subprime mess.
The documents - three letters from Countn\\'ide addressed to the homeowner - claimed that the' :l:lrrower 1)\"('(\ th'
company $4,700 because of discrepancies i~ escm" deductions. Count 1;'''\\ ide's local counsel des, Ti r,·:d the ktlt'rs to
the court a!; "recreated," raising concern from the fEderal bankruptcy judge overseein?, the case. Th ..')'1as P. AI~I',~sti.
'These letters are a smoking gun that something i.-; not right in Denmark," Judge Agrf'sti said in a Dr", :!(, he.lnlJg in
Pittsburgh.
The emergence of the fabricated documents come·; as Countr;.wide confronts a rising tide of cornpl.tints frOlf
borrowers 'vho claim that the company pushed 1111~rl into risky 10a1"s. The matter in Pittshurgh is CI:,,· of 3()()
bankruptcy cases in which Counlr;.wide's practice:;. '1aw come under scrutiny in western Pennsyl\'fnia.
Judge Agresti said that discover;.' should proceed ~0 that those invo"ed in ":he case, including the C'lapt!'r 13 Irl.~k(' I(lr
the \\'eslerr district of I'ennsyh'ania and the United States trustee, could determine hO\\" Countr;."\nd,,:~ sy~tCIl1., illigI' t
gelll'rale such documents.
A spokesman for the lender, Rick Simon, said: "[t is not Countr;.·wide"s policy to creat" or 'fabricalt any docurnl~nts 3S
evidcnt.'e that thev wcre sent if thev had not been. ~\'e beliew it will be shown in further dist.'own' tlHlt the COli ntl'\",.d~
bank mplcv tech~ician who gener~ted the doculllC"lts at issue did sc as an dficient W;J\' to cOllve;' t]-,c dales th," (:s~row
analyse~ were done and the calculations of the pa~ ments a;, a result of the analyses."
The dOCllll}?nts were generated in a case invoking Sharon Diane Hill, a homeowner in l\lonroevil (, Pa. Ms. II d, fikd
for Chapter 13 bankruptcy protection in 1\larch 200: to tr;.' to save her home from foreclosure.
After meeti-1g her mortgage obligations under the 60-month bankruptcy plan. Ms. Bill's case was ci sehar~ed'lnl
officjaJl~' closed
on March 9, 2007. Countt;..,ide. tlw senicer on her 10ill1, c.id not object to the di~('hargc: cou,·t rt'tC'd"
from that d,1te show she was current on her mortg"j',e.
liut one month later, 1\1s. Hill received a notice ofmlention to foreclost' from Countl).\idc, stating that she \\'a" in
default and owed the company $.p66.
Courl recor,js show that the amount claimed by Cc,untrywide was from the period during which l\i~; IWI was IILlking
regular pa\'1l1ents under the auspices of the bankruptcy court. TheYll1d lIded "monthly charges" te ted" ng $:3 ,8.: <) In '111
November ;~006 to April 2007. late charges of $12." .JI1d other charges of almost $200,
A lawyer representing Ms. Hill in her bankruptcy case, Kenneth Steidl, of Steidl and Steinberg in l'itt,burgh, ',r'lte
Coun trywide a fe\\' weeks later stating that Ms. Hill had been deemed current on her mortgage du I'ing the period in
question. But in I\lay, Countr;.wide sent Ms. Hill another notice stating thm her loan was delinque'nt anel dctll.'lrding
that she pa) $4,715.58. Neither 1\11'. Steidl nor Julia Steidl, who has also rf'presented I\ls. Hill. retulled phOn<' ,.'alb
seeking comment.
,)ustif)'ing I\ls. Hill's arrears, Countr;.'wide sent her lawyer copies of three letters on company It~t1erhead addn'sscd t.tJ
the homeowner, as well as to 1\11'. Steidl and Rand;! ,. Winnecour, the Chapter 13 trustee for the w.. ~',l:t'rn dlstncl ·)f
Pennsylvania.
The COllnlf\.vide letters were dated September 20»;1, October 2004 and March 2007 and showed C"langes in ,~s,:rc,\';
requircmen_s on Ms. Hill's loan. "This letter is to a(hse you that the eserm" requirement has char,~,:'d per the ,~~('l'tI1\'
anal~sis completed today," each letter began.
But Mr, Steidl told the court he had never received the letters. Furthermore, he noticed that his adc.ress on thl' f rsl
COllntl,'\\'id? letter was not the location of his offic,:~ :It the time, but an add:-ess he moved to later. ;':I:ither did Ill.'
Chapte;' 13 trustee's office have any record of receivhg the letters, court records show.
When 1\11'. Steidl discussed this with Leslie E. I'uida, Countf\'\\ide's outside counsel on the case, he ,,,jJd ~ls. Pllida ~ol:1
him that tht letters had been "recreated" bv Count~'\'\\ide to'reneet tne escrow discrepancies, the COlin transcri pi
shows. During these discussions. 1\ls. Puida reduced the amount that Counl~wide claimed 1\1s. H;] cwed to ~; 1.:50')
from ·£4,700.
Under questioning by the judge, Ms. Puida said that "a processor" at Countrywide had generated tJw letters 1(, ,hllw
how the escrow discrepancies arose. "They were nol offered to proye that they had been sent,"1b. Puida said. jul. sh('
also said. under questioning from the court, thatlhe letters did not car=! a disclaimer indicating t11 at they wcn not
actual correspondence or that they had newr been ..ent.
A Countrywide spokesman said that in bankruptcI' cases, Countr)'\l,ide's automated systems are so:netimes 0\ erridclm.
\\ith technicians making manual adjustments "to comply with bankruptcy laws and the requirements III the
jurisdiction in which a bankruptcy is pending." A,ked by Judge Agresti why Countryv,ide would go to thE' troLllle of
"creating a letter that was ne\'er sent." Ms. Puida. its lawyer, said she did not know.
"I just, I can't get over what I'm being told here ahout these recreations," ,Judge Agresti said, "and 1\'llat the purpo ..e io
or was and what \\'as intended by them."
Ms. f1ill's matter is one of 300 bankruptcy cases i '}' ohing Countrywide that have come under scru:iny by 111·..
Winnccour. thc Chapter 13 trustee in Pittsburgh. (h Oct. 9, she asked the ~ourt to sanction Counl1Y"ide, C()'IIl'Jldin~
that the co'npany had lost or destro~'ed more thaI: Ssoo,ooo in checb paid by homeowners in b'tllkrl.lptcy f1",.,r 1
Decl.'mbcr 2005 to April 2007.
l1s, Winnccour said in court filings that she was cOlcerncd that <'\'en as Countr;.'\ide hadllllspla 'I:d or destll)~ pd th?
checks. it le\'icd charges on the borro\l·ers. includm,s late fees and lega: costs. A spokesman in hel o;"··icc saJ(1 :;11(' would
not t.om1l1c nt on the lIill case.
O. Max Ga:"dncr III, a lawyer in .:\orth Carolina who represents troubled borrowers, says that he 1'000Jlinely set'S lendcn
pursue borrowers for additional money after their l~ankruptcies ha"e b,'en discharged and the COlln~· haw df Ie 'mllH'd
that the dt>:"ault has been cured and borrowers arc current. Regarding the Hill matter, .l\Ir. Gardn,·1' said: "Th,.. F'al
problem in my mind when reading the transcript IS that Countr;."ide's lallyer could not explain h()\\ this hap!lI'!1tl! '
Fran. :t TzedeL s Web Site 6/20/0'7
Bet Tzedek Website
Call Bet Tzedek
By Sandor Samuels, BT BoaM ores/dent 2006-2007
Whom do you call If you are elderly and someone IS trying

to eVict you from your apartrl1Ent or your house' Whom
do you call If you are a holoGlust survivor and are bellg
denied your nghtful reparatlo'l~;7 Whom do you call If you
need to care for an abandoned grandchild or '1 ec~' or
nephew' Whom do you calli' ',ou live In a nursing home
and are being denied appropnate care or treatment'
And whom do you call If you dre being dented 'lour rightful
wages or are being forced to NJrk In substandard
conditions'
The answer to these and other legal problems Mflletinq the

poor and the elderly In our cerr rnunlty IS a reSOUnCilng BET
TZEDEK. I'm proud to be tile Fresldent of the '3oard cf Directors of such an :'q3nlzatloP
I'm espeCially proud of Bet Tze<1ek Shabbat, a lew oU 1:reach campaign triat V'E' c:mducted
on March 17tl1 and 18th.
On t-1arch 17th and 18th. Bet Tze(1E'k "

message WdS delivered In congre<;-a 1l,.'ns all
across the southland. RabbiS and cnE"nbers C'
Bet Tzeclek's Board of Directors dE·II',ered a
drash - a s.:rmon - for Parshal K/ r'sa, the
portion con:alnlng the tblfteen attributes 0'
God. Trese attributes Include COn'!:>ilsslon,
klndnes~; ar,d mercy. The message s Simple
yet pov,erfLI: All who are In need c,:'ne and
we Will try to help.
ThiS IS \, hat we do at Bel Tzedek. tlV to help

all v.ho corre to >Us. On !3et Tzedek ~;habbat.
nearly 10,0)0 congregants heard J." call for
more volumeers. And you, too, c,,,rl be part
of Bet Tzedek.
Please display the same attnbutes cf

compaSSion, kindness and mercy 1)\1
volulteennq your timE' to help fun r,e" Bet
Tzeaek's mission. Read rnore about our work
In thiS e··newsletter and [)n OLf web~:ll:e. Ther
call13et Tzedek's Volunteer (oordl-','I:,)r, Robin
Sommerste '1, at 323-549-5814 or .:'l1'oad r,er ,I'
[sornmersJ~Jll..@tg~ttz~~~,Qf.9to g". Involved.
Thanks to the follOWing synag')~IUeS and churches for ~lartlClpatlng In Bet Tze'kk
Shabbat:
Adat Arl EI Sinai ...·emple

Beth Hillel Stephel S. Wise
Beth Jacob Congregiltlon Temple Adat Elohim
Beth Shlr Shalom Temple Allyah
B'nal Benet (Simi Valley) Temple Beth Am
B'nal DaVid Temple Isaiah
B'nal HOrlm Ternple Israel of Hollywood
Leo Baeck Temple Ternple Judea
St. Peter's Italian ehul'ch University Synagogue
Printed for jz I 234511earthlink.;ICl

bettzedek.org 6/20/07 Sando!" E. Samuels i:=:, l:'en:·)!

1·1anagin9 Director a' J Chief LeiJal
WELCOME NEW BOARD PRESIDENT Offic!~r- for Country\"! :Ie FinalKiii I
Co'poration ~NYSE: C;::C), a
c!iver'sifiecl financial ':'f~, vices
\Ne v.;ou IcI !i ke to (On~l ratu late an cI provider' anel ITle rl1bf,' i)f the c,e. P
\A,,'elcome new Bet TzeeJek Board 50'1)_, H'~e <j-1-'
:, II ':;P
_ _ f" ," tl-10"
_ os -,,"
"'p-
Pres:c!ent :)dPc!or E. Samnels. b,(l(utive Committe,.:, (,f

:=:ountr',/'v-::c1e F:n.:'lPc -11 CJI ')C ,'1t (i 1.
C\s the or~lanjzaton'<. eflie!' Lf~;lj!

OfficE:l', he oversees thE-
tra')sactional, regulat )I'Y an(j
liti(wtion affairs of CJI,ntr"'/wJ( I? arl(
advises senior l1landl;lt=,ment .)!)
EC.lal issues, Samuels I)revi(:,,:;
,::,x,,;cutive positions tit Countl V."v kif?
nc lude f'·lana~;i·l(~1 Di' (:'<:tOt. CE'I'P-?I cd
Ce,unsel altd SE'Uet21 '.', H.::- j )iIH':;
CC'lmtrywic!e in 199C.
,fJ.. 19~'4
gt-acluate of Pr IltCet[),l
UniVHsit\;/, Samul?ls '~~ceived "Ii:;
lav'J c1e(lI-ee in 1977 fr :>111 thE' (,'C I" 0)
of Law at the UnivH'"i:'r' (If
California, Los An~Jf?I-~~~ Afte
qraduatin9 frorrl la . .·'o' ':(/1001 . hF'
sel'ved as Law Clerk kll' U,S, D'stric:
Sandor E. Sanluels JudgE' Ir-ving Hili.
(~an)up.ls is a melnbE' -A the E,oarci

of Directors of the U:liversity of
Judai':,m, Ziegler- School of Rcmbirdc
:. t~tudi,:?S, Bet Tzedek Legal ServiCE'S
ancl /l.dat Ari EI syna(!ogue. f-k di~,O
ha': 52rvecl as Chair ,)f tilE' L~:~lal
Issues Comnlittee of tile Hort~Ja~J f2
Bankt:rs .lI.s50ciation of America,
PROOF OF SERVICE
1 l,l
I \ I am employed in the Count~,

of Los Angeles. State of California. I ([I"n oyer lht of 18 a~~
and not a party to the \yithin action \1) business addre-ss is 120 Broadway. -':;uite ::.()l'I. S"nt 1
3 I\'loniea. California 90"+01-2305.
4 On January 17.2008. [ sef\t?o the foregoing. do,:umcnt(s). describl..'l.1 as NO!"~-PARTY

COUNTRYWIDE HOME LOANS, INC.'S NOTICE OF MOTION AND MlOTION
5 (1) TO ENFORCE THE JULY 23,2007 PROTECTIVE ORDER; (2) FOR
MONETARY SANCTIO'NS AGAINST DEFENDANT JOSEPH ZE Rl'\J IK; ('>:1 FOR
6 A DECLARATION THAT COUNTRYWIDE HAS NO OBLIGATION TO
RESPOND FURTHER TO DEFENDANT JOSEPH ZERNIK REGARDIr-JG THIS
7 ACTION; AND (4) FOR AN ORDER TO SHOW CAUSE WHY DEFEi~·DA!"·,:T
JOSEPH ZERNIK SHOULD NOT BE HELD IN CONTEMPT AND
R SANCTIONED ACCORDINGLY; MEMORANDUM OF POINTS AN[)
AUTHORITIES; DECLARATIONS OF fOHN W. AMBERG, TODD A. BOOCK
9 AND JENNA MOLDAWSKY [N SUPPORT THEREOF, (Hl thcnkrcsll'd rar1)'IS) in
this action. as roIIO\\s:
10
l(hl'ph /.LTnik 1):l\ldl. Pa~tlrnak
11
2-11.:; ~;l\l1t ( ;l'l )rgl: ~tnTt P;I~;tt'rIl:lk. Pa'-tl'rnak I\: J':ltt(lll. I l'
J ,(h 1 l'llI, (alif, ,rIll;1 ')llI 1.2- IX'~:'i Ct'lltlln ParI-. \-:;.-1, :-:;Ulfl' =':~(\()
]/ i:; 1'~~.l:llIhiJllk.lhI J.'h \ngl'k~.( :dit'('rIll: 'JlIl)(," ,~,_:.~
I) It'kph(ll1l.': ')[1I . .')')) ":,1'(1

(l
/. :lc~llnik: ." }',' :'i.')') I :,1' I
:J
1~
Q)
>
,.IIjYJl.r,I:--l cl\\." '111
ro
U
c 1:\
ro
>- .\!')l' kl'shalarn, l.Sll' l{ohnfj. :'hlllkJll, I,,>;,,
m 16 :'lwpp:lrd \llIllin 1~.lChtn & I Lim]'t, Ill. 1.1 Y I,eg:d I kparlmcl1t
.".,,) :")lIth II(lpt' :'trlTI. -ii't!. JI", I' (.:11dwl'il B.lnktr 1\l':'IU'l1ll:11 HI' d.. t 1'.1~, (" >ll1paI1\
17 , L(ls \ l1gt'k~. ( . \ ')1 Iu-I ·l-i-i~ Illd 1 ~an \'1('l'llll' H'ndl'\ :nd. 'j tI", 'I'
hl:--1I111k: 21) (,2\1 1)1);-: I 'cIS \l1gl:k~. (: \ ')I)!}.·I!)
IX hC~llntk: )1()--1·~~ 1'1:12
19
20
mail :It
o11(' l'·m:lil
t
(l~Y J·;';\I.\IL) I t'au:,cd a
:lddl'l'.'-s fJrt h abon'.
,..;!'t
true ('qp~' oftlw foregoing d(l,unwnl 1 ,hI.' ~,l'l'ved bye,
Kwh e-mail \\ as l'omp ,~I,~ and )lU I'I'PH"~' of error
21 \\ere rt'cl'in'd.
~ (BY OVF ~NllF LXPKLSS) I depDsited in a bo:\ or oth..:r facilil>

" mainlaltled 11\ (h erniteL:\pn:ss. an express carner sen ice. or d·.:lin:l'ed Iu d COUI iel' or
,-. dri\ er authorized b~ said cXfrcss carrier sen icc to recei\'(; doel! n\.~nls. a 'ILle ",:-,)f'~ (or
--'
original) of the foreg.oing document. in an el1\ clope tk:-.ig.nakd h:, said e'{rm's:, s':rvice
carrier. \\ jth delivery re,:s raid or prmided I~)r.
o (BY I\IAll.) I rlaced a true COP) of the foregoing dOClll1Cnt in 3 -,eabl :l1\elope
addressed to (.'ach intt?n:skd p,tr') as sc:t forth abm c. I placed each S lell em t'lul1':. \\ It I rostagc
26 thereon rull~ pn:paid. for cl)lkc.ion and mailing at Br:an Ca\l: LLP. ~':',l11ta l\lol1icl. (,:!lirornia. I
am reaJil~ familiar \\ith I3ryJli Caw LLP's practice for colkctiot1 alld procCS:,ilq; \J/
27 correspom.!ellct' for mai I.ng \\ il h the l inited Stale:, PO'ital Senice, l nckr tha' r I act I.l:, the
281 --('(ilj\iIR~;\\lj)l~,i()lli)~ i;'!;::.Ji liT I'R(l! Il II'

ORDI R .\"-1) II Il{ ·,,·'.l IIll',S \".1) I ,'H' )lei \R \ I'
\\ [) I' lR .\\ (,,,, \\ III Jill \ I' \\ ',lltJl J [) $ I
If i 11\ (W,I
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EXHIBIT B(S)c
22
23
February 17,2009 Motion
24 for OSC re: Contempt &
~: Sanctions exceeding
~: $7,000
Case # 05-90374
BRYAN CAVE LLP ORlGl~A.L ifl.LltDI

John W. Amberg (CA State Bar No, 108166) LOS ANG~L~~ Sy~U~Qf.l GQUfll
2 Jenna Moldawsk)' (CA State Bar No. 24(109) JOHN A. OLb"\(~. dLBf;\K
~
120 Broadway) Suite 300
3 Santa Monica, California 90401-2386 UtUI B·tU08
Telephone: 310-576-2100
8y:_w~~----r
o 4 FacsnniIc:
5
310-576-2200
o 6
7
Attorneys for Non-Party COUNTRYWlDE HOME LOANS, INC.
8
9
]0
11 NTVIE SAMA..A.N, cr aI., Case No. SC087400
III
III
'"~ 12 Plainti ffs, NON-PARTY COUNTRYWIDE I-lOME

0 0
0.., LOANS, INC.'S NOTICE OF MOTION
"'0 13 AND MOTION (1) FOR MONETARY
ll.'"'"
..Jt: 0(
~~~
ys. SANCTIONS AGAINST DEFENDANT
,. - 0
14 JOSEPH ZERNIK IN THE AMOUNT OF
-< >- ...
$ ~ ::; $5,564.50 FOR VIOLATIONS OF THE
'" 0 -< 15 JOSEPH ZERNIK., et al.
-«v
,. 0 - JULY 23,2007 PROTECTIVE ORDER; ~)
.. « <
mm ~ FOR AN ORDER TO SHOW CAUSE W IY
o z 16 Defendants. DEFENDANT JOSEPH ZERNIK
... 0
~:I:
..
<
17
SHOULD NOT BE HELD IN
CONTEMPT AND SANCTIONED FOR
"<
U)
VIOLATIONS OF THE PROTECflVE
18 ORDER; AND (3) FOR A
MODIFICATION OF THE PROTECTIVE
19 ORDER TO INCLUDE OFFICERS AND
EMPLOYEESOFALLCOUNTR~DE
20 AFFILIATES, INCLUDING BANK OF
21 ; AMERICA CORPORATION;
MEMORANDUM OF POINTS AND
AUTHORITIES; DECLARATIONS OF
22 JOHN W. AMBERG AND TODD A.
BOOCK
23
Date: Janu~rv 13,2009
24 ; Time: 8:45 3.~.
: Place: WEJ
25
26 ~-------------~. I
27
28
SMO IDOCS 111341.1 COUNTRYWIDE'S MOTION fOR SANCTIONS AND OTHER

RELIEF
TO ALL PARTIES AND THEIR ATTORNEYS OF RECORD:

2 PLEASE TAKE NOTICE that on January 13, 2009, or on such other date ordered by
3 the Coun, at 8:45 a.m. in Deparunent J of the Superior Court of Los Angeles County, West
4 District, located at 1725 Main Street, Santa Monica, California 90401, non-party Countrywide
5 Home Loans, Jnco CCountrywide'') will and hereby does move chis Court: (1) for monetary
6 sanctions in the amount of $5,564.50 against Defendant Joseph Zernik ("Zcrnik"), pursuant
7 to the Coure's inherent authority and Califor0l3 Code of Civil Procedure §§ 2023.010 and
8 2023.030, on the grounds that Zernik has knowingly and intentionally violated the terms of
9 the July 23, 2007 protective order ("Coun Order") which directed him to communicate solei}'
10 with Countrywide's designated counsel and no other Countrywide officcrs or employees
)1 regarding the present action, by persisting in harassing and making baseless accusations to
I'
12 I Countrywide's officers and employees; (2) for an order to show cause why Zernik should not
13 be held in contempt ~lOd sanctioned accordingly for his viobtions of the Court Order; and (3)
14 for a modifiolion of the Coun Order to include officers and employees of aU Countrywide
15 affiliates, including Bank of .i\merica Corporation, so that Zernik is directed to communicate
16 soldy with Countrywide legal counsel, Bryan Cave: LLP, regarding the presellt action and no
17 other officers and employees of Countrywide affiliates.
18 This Motion is based on the Notice of Motion and Motion, the attached Memorandum
19 of Points and Authorities, the Declarations ofJohn W. Amberg and Todd J\. Boock and
20 exhibits filed herewith, the files and records herein, and such evidence as may be presented at
21 the hearIng.
1
22 i Dated: December 18,2008 BRYAN CAVE LLP
John \Y/. Amberg, Esq.
23 Jenna Moldawsky, Esq.
24
25 BY~tl~
J na Moldawsky
26 Attorneys for Non-Party
COUNTRYWlDE HOME LOANS, INC.
27
28
SMOI DOCS712341.1 2
COUNTRYWIDE'S MOTION r-OR SANCTIONS AND OTHER
RELIEf
TABLE OF CONTENTS
2 I. INTRODUCTION 3
3 II. FACTUAL BACKGROUND 4
4 A. Zemik Is Sanctioned and Found in Contempt for His Repeated Violations of
the Court Order _ 4
5
B. Zcmik Continues to Violate the Court Order and Harass Countrywide 5
6
C. Zernik Expands His Harassment to Include Bank of America Employees 6
7
III. ZERNIK SHOULD BE SANCTIONED FOR HIS REPEATED WILLFUL
S VIOLATIONS OF THE COURT ORDER 7
9 IV. ZERNIK'S CONTINUED WILLFUL VIOLATIONS OF THE COURT ORDER
WARRANT AN ORDER TO SHOW CAUSE WHY ZERN1K SHOULD NOT BE
10 HELD IN CONTEMPT 8
II A. The Court Order Is Enforceable 9
.,'"..
., 12 n. Zernik Hac; Actual Knowledge of the Court Order. l0
0(;
0 ..
"'0
Il w 0>
13 C. The Court Order Was Always in Full Force and Effect 10
oJ t <
~~~
> • 0
14 0. Zemik Was and Is Capable of Complying with the Court Order 10
< .. ..
u ~< -J
Z 0 <
« u. IS E. Zemik Willfully Violated the Court Order 11
,. 0
0: 0: <
101Il!:!
o z 16 V. CONCLUSION 11
... 0
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SMOlDOCS7 J2347.1 COUNTRYWIDE'S MOTION FOR SANCTIONS AND OTHER

RELIEF
--
2 CASES
3 City of Vernon v. Superior Court, 38 Cal.2d 509 (1952) -- 11
4
D~-90C:I~2d· ~~fH~;2~~.~.~.' , 9
5
6 K(gs~~tt~p;.lJfd~g~ {lo9~0 <)
7 M:l~ v. Superior Court,

11 Cal.AppAth 1218 (2004) 7
8
Mvcr~ v. Superior Court,
9 46 Cal.App. 206 (1920} __ 10
10 Nict.~rg v. Superior Courr,

59 CaL\pp.3d 611 (1976) __ 9
11
., Ni~lasv. Nikla~,
'"..,'"! 12 211 Cal..A.pp.3d 28 (1989) 7
0-
0 0
l'lg 13 Oil Workers Int'l Union v. Superior Coun,
D.."'"-<
-J ~ 103 Cal.App.2d 512 (1951) 11
~~~
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14
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138 Cal.App. 668,
33 P.2d 35·(1934) __ 8
.
>-
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'" 18 , Reliable Enterprises Inc. v. Sup.ct1or Coun,

! 1S8 Cal.t\pp.3d 604,
19 204 Cal.Rpu. 786 (19984) 8
20 Ro~~n v. Superior Court,

244 Cal. App. 2d 586 (1966) 8
2l
V;l£lJ-loo~ear v. Railroad Comm'n., 189 Cal. 228 (1922).................................................... .... 10
22
Welgoss v. End,
2:1 2S2 Cal.App.2d 982 (1967) 7
24 STATUTES
25 Cal. Civ. Prae. Code § 1218(a) : 9
26 Cal. Civ. Proc. Code §§ 1209(a)(4) and (5) _ 9
27 Code Civ. Proc. § 2023.030(a) 8
28
SMOIOCX:S712J47.1 ii
COUNTRYWIDE'S MOTION FOR SANCTIONS AND OTHER
RELIEF
MEMORANDUM OF POINTS AND AUTHORITIES

2 I. INTRODUCTION
3 Non-party Countrywide Home Loans, Inc. ("Countrywide") moves the Court: (1) for
4 monetary sanctions against Defendant Joseph Zcmik ("Zernik"), pursuant to the Court's
5 inherent authority and California Code of Civil Procedure §§ 2023.010 and 2023.030, on the
6 grounds that Zernik has knowingly and intentionally violated the tenns of the July 23. 2007
7 protective order ("Court Order") which directed him to communicate solely with
8 Countrywide's designated counsel and no other Countrywide officers or employees regarding

9 the presenl action, by persisting in harassing and making baseless accusations to
10 Countrywide's officers and employees; (2) for an order to show cause why Zernik should not
11 be held in contempt and sanctioned, based on his bad faith denial of the existence of the
..
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~ 12 Court Ordcr and his continued violations thereof, and (3) for a modification the Court Order
g~
(L : ~ 13 [0 include officers and employees of all Countrywide affiliates, including Bank of America
..r t: .(
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17 As the Court is aware, Countrywide is not and ruts never been a party to this action.
<
'" 18 Countrywide was simply a third-part)' document subpoena recipicnt which has been subjected
19 to a campaign of harassment by Zcm.ik because Countrywide's production of documents did
20 not support Zernik's skewed view of his casco OnJuly 23,2007, Countrywide moved for a
21 limited and narrowly-tailored protective order due to Zernik's unrelenting harassment and
22 abuse of Countrywide's officers and employees. The Court granted the motion, finding that
23 "Countrywide has a right to be protectcd from unwamll1tcd annoyance, embarrassment or
24 oppression," and granted the order. (SCi; Sama.an v. Zernik: Minute Order dated July 23,
25 2007 , attached as Exhibit A to Amberg Decl.). The Court ruled that Zemik was prohibited
26 from "directly phoning, emailing, or otherwise contacting (Countrywide's) represented officers

27 or crnplo}'ecs." (ld.)
28 For the next year, despite Countrywide'S repeated demands that Zernik abide by the
SMOlDOCS71234i.l 3
RELIEF
terms of the Court Order, Zeroik continued to willfully and flagrandy violate the Court Order I
2 by djrectl), contacting CountryWide officers and employees seeking to obtain discovery Ii
3 regarding this action. On rebruary 15, 2008, the Court sanctioned Zernik in the amount of
4 $16,170 for his repeated violations of the Court Order. On March 11,2008, the Court
5 entered a judgment finding Zernik guilty of thirteen separate acts of contempt for his willful
6 violations of the Court Order.
7 Despite direct orders from the Court to cease his oppressive behavior, Zeroik
8 continues his campaign of harassment to this day. In fact, Zernik has rcccody escalated and
9 expanded his efforts: on December 9,2008, Zcrnik sent three emails to Countrywide officers
10 and employees regarding the present action, demanding responses to his communications,
II
..,'"'"N 12 can go on with this fraud?" (See Exhibits G-I to Amberg Ded.) Further, following Bank of
o~
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. 17 Los /\ngdcs Superior Court with permission to engage in criminal conduCl with the blessing
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18 of the Court itself" ad., Ex. L.)
19 Zcrnik has shown no indication of ceasing his harassing behavior. His conduct IS
20 gctung worse. L,crnik's oppressive tactics mUSl stop. Zernik has shown no respect for
21 Countrywide, or for the Court or its rulings. Thus, Countrywide respectfully regucsts that the
22 Coun grant its Motioll.
23 II.
24 A. Zernik Is Sanctioned and Found in Contempt for His Repeated
25 Violations of the C()Url Order
26 Since Countrywide's first appearance in this matter as a non-party seeking protection
27 onJuly 6, 2007, Countrywide has been represented by attorneys at Bryan Cave LLP ("Bryan
28 Cave"). Since the issU2.nce of the Court Order on July 23, 2007, directing Zemik to
SMOIDOCS711J47.1 4
COUNTRYWIDE'S MonON FOR SANCflONS AND OTHER

RELIEf
i .
commUnicate sok ith designated counsel, however, Ze has repeatedly violated the
2 terms of the Court Order by contacting, among others, Angelo Mozilo, the former Chairman
3 of Countrywide's parent company, Countrywide Financial Corp., and Sandor Samuels,
4 Countrywide's Chief Legal OffiCer, on several occasions. (Amberg Dec!. at ~ 3.)
5 As a result, on February 15,2008, Countrywide moved for sanctions and other relief
6 against Zernik for his numerous violations of the Court Order. Od. at il4.) At the hearing,
7 the Coun found that the Protective Order issued by the Honorable JaCCJueline Connor on July
8 23, 2007 "IS a va~d order and the Court was auth01izcd to grant the PrOTective Order
9 pursuant to California Code of Civil Procedure Sections 2031.060 and pursualll to California
10 Code of Civil Procedure Section 128(a)(5)." ad. at '14. Ex. B.) The Court affinned the Order
J1 and found that it "remains in full force and effect." ad.)

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12 The Court granted Countrr,vide's motion and ordered that Zerruk was to pay
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these sanctions to Counrrywide, the Receiver in this matter, David J. Pasternak, was
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15 "authori7.cd to pay the sanctions to Countrywide from the Receiver's Fund upon notice to the
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16 Receiver and Defendant Joseph Zernik by Countrywide." ad. at ~ 5, Ex. B.) The Court
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18 in contempt of court and sanctIOned for violating the Court Order. (leI.)
19 At the hearing on March 7, 2008, the Court found Zernik guilty of thirteen separate
20 acts of contempt for his repeated violations of the Courr Order. (Ld--, at ~ 6.) The Comt's
21 Judgment dated March 11,2008 states that "DdcndantJoseph Zernik had actual notice of the
22 Protective Order as ofJuly 23, 2007," that Zernik '\vas able to comply \vith the Protective
23 Order, which was prohibitOry, narrowly tailored, and limited in scope," and that Zernik
24 "committed thirteen (13) separate acts of contempt by willfully violating the Court's July 23,
25 200'" Protective Order directing Zcrnik to communicate solely \vith Countrywide'S designated
26 counsel and no other officers or employees regarding the present action." ad. at ~ 6, Ex. C.)
27 The Court further found that "the repetition of Defendant Joseph Zernik's violations
28 of the Protective Order is evidence of the willfulness of his violations," and Zernik was
SMOII.lOCS712.147.1 5

RELIEF
-.
ordered "to pay a finc in the amount of $7,500 for thirteen (13) separate acts of contempt,
2 pursuant to Code of Civil Procedure Section 1218(a)." ad.)
3 B. Zemik Continues to Violate the Court Order and Harass Countrywide
4 Despite the Court's award of sanctions against Zernik and its issuance of a contempt
5 judgment against Zernik, he continues to violate the Court Order. On November 12, 2008,
6 Zemik sen( an email to Mr. Samuels in direct violation of tIle Coun Order, referring to him as
7 a "perpetrator of fraud." (Jd. ar '18, Ex. D.) On November 24, 2008, Zernik copied Mr.
8 Samuels on an email to Bryan Cave attorneys, outlining the alleged "fraudulent claims" made
9 by Countrywide employees with respect to the underlying action, and claiming Countrywide
J0 produced "fraudulent records" as part of its "collt1sion" with Plaintiff Nivie Samaan's
JI attornc}'s. (Id. at ~ 9, Ex. E.)

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12 On December 8,2008, counsel for Countrywide emailed Zernik and informed him
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17 the tenns of the Court Order, on December 9, 2008, Zernik Sent three emails to Mr. Samuels
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18 and another Countrywide employee, Maria McLaurin. ad. at ~ 10, Ex. G-l.) In these emails,
19 7.emik feigns ignorance of lhe Court Order, demands withdrawal of "fraudulent records," and
I
20 , aCCllses Countrywide of "collusion with [The Honorable] Terry Friedman." (Id.)
I
In
21 response, counsel for Countrywide emailed Zernik and reiterated that he \\las to refrain from
22 communicating with employees of Countrywide pursuant to the Court Order and that his
23 refusal to comply \\~th the terms of the Court Order was contemptuolls and sanctionable.
25 Further, on December l(l, 2008, Zcmik again emailed l\laria McLaurin, a Countrywide
26 employee, regarding the present action. ad. at ~ 16, Ex. N.) In his message, entitled
27 "Countrywide and racketeering under the guise of litigation in Los Angeles Superior Court,"
28 c1a.uns that the present action is "a. convoluted tale of frauds" and that Countrywide is
SMOIDOCS711347 I 6
COUNTRYWIDE'S MOTION FOR SANCTIONS AND ornER

RELIEF
engaged in "obstruction of justice." (ld.) He further alleges that "all judges" of record in this
2 matter engaged in the production of false deceitful trial litigation records." (Id.)
3 Despite the Court Order prohibiting him from contacting Countrywide officers and
4 employees, and despite Countrywide's repcated demands that Zemik cease and desist from
5 contacting Countrywide officers, Zernik has persisted in barraging the company's officcrs <lnd
6 employces with unsupported accusations and ridiculous demands. Zernik should not be
7 allowed to persist unabated and without repercussions for his willful actions.
8 C. Zernik Expands His tIarassment to Include Bank of America Employees
9 In addition to Zernik's repeatcd violations of the Court Order, he has begun harassing
10 employees and officers of Bank of America, which merged with Countrywide in July 2008.
..
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11 On December 3, 2008, Zeroik sent a letter to Kenneth D. Lewis, Ch3irman, Chief Executive
':' 12 Officer and President of Bank of America Corporation, and Teresa M. Brenner, Associate
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17 Department, claiming that he had "uncovered fraud" at Countrywide in connection with the
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18 present action. (Declaration of Todd A. Boock ("Boock Oed.") at ~ 2.) On December 9,
19 2008, Zernik faxed a letter to Timothy Mayopoulos, Executive Vice President and General
20 Counsel of B:lOk of .I\merica, regucsting that Countrywide withdraw "fraudulent records
21 produced by Countrywide Home Loans as part of subpoena productions that were replete
22 \,rith fraudulent records, and which tried to entirely fabricate Samaan's fraudulent loan
23 applicauons." (l~L at ~ 15, Ex. 1.) ZerOlk also demands a response fom1 Mr. Mayopoulos by
24 Wednesday, December 10,2008. ad.)

25 The same clay, Zernik sent a letter to several Bank of America employees requesting
26 "immediate intervention and curbing of Sandor Samuels." ad. at '110, Ex. M.) He claims
27 that he is \vriting to "inform" Bank of America of "my abuse at the hands of Countrywide."
28 ad.) Zcm.ik claims that he "discovered fraud in Countrywide's subpoena production" and
SMOlDOCS712347.\ 7
COUNTRYWIDE'S MOllON FOR SANCTIONS AND OTHER
RELIEf
that, since that time, Countrywide "assumed a status above the law in the Los Angeles
2 Superior Court with permission to engage in criminal conduct with the blessing of the Court
3 I itself." (Id.)
4 Further, on December 17, 2008, Zernik called Randy Sparks of Bank of America
5 Corporation's Legal Department, complaining about "fraud and conspiracy" involving Mr.
6 Samuels and Bryan Cave. (Boock Oed. at ~ 3.) Zernik has alsu made numerous auempts to
7 contact various other individuals in Bank of America Corporauon's Legal Department, as well
8 as executivcs \\~thin the company regarding the present action. ad. at ~ 3.)
9 III. ZEENIK SHOULD BE SANCTIONED FOR HIS REPEATED WILLFUL

10 VIOLATIONS OF THE CQURT ORDER
II The courls have broad discretionary powers with regard to the imposition of sanctions,
CD
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~ 12 and such deCisions are subject to reversal only fat arbiuary, capricious, or whimsical action.
0
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0
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13 R.S,. Creative, Tne, v . Crcative Cottof.l,.,Ltd., 75 Cal. App. 4th 486,496 (1999); See Callfornia
Il.""«
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~~~ l4 Code. of Civil Procedure §§ 2023.010 and 2023.030. Imposing sanctions for violations of a
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0 < 15 court order arc within the clear discretion of the court. Ma~ v. Superior Court, 119
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16 . Cal.App.4th 1218, 1226 (2004) (trial court may impose monetary sanctions for violalion of
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17 protCCtlVC order); Welgoss y. End, 252.Cal.App.2d 982, 992 (t967) (trial court's broad
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18 discretionary powcrs include powcr to impose sanctions to "secure compliance \vith orders of
19 the coun"); Niklas v. Niklas, 211 Cal.App.3d 28, 38 (1989)(sanclions upheld where party
20 repeatedly violated court orders instead of seeking direct review of court orders).
21 "If a monetary sanction is authorized by any provision of this article, the court shall
22 impose that sanction unless it finds that the one subject to the sanction acted with substantial
23 jusufication or that other circumstances make the imposition of the sanctJon unjust." Code
24 Civ. Pwc. § 2023030(a)(cmphasis added). In imposing a monetary sanction under Section

25 2023030, the court may order t.hat the party subject to the sanction "pay the reasonable
26 expenses, including attorneys' fees, incurred by another as a result of that conduct." Jd. The
27 nature of the monetary sanction is to compensate for expenses incurred; thus, the Court may
28 award a reasonable amount to compensate a party for its expenses incurred and is not limited
SMOIDOCS712J41.1 8
COUNTRYWlDE'S MOTION FOR SANCTIONS AND OTHER
RELlEF
to rhe costs that might be properly taxed a~nst the losing party after the trial of the action.
2 Sec. EDsen v. Superior Court, 244 CaL App. 2d 586, 596 (1966).
3 The Court should issue monetary sanctions requiring Zernik to reimburse
4 Countrywide for its legal fees and costs incurred in connection with responding to Zernik's
5 numerous emails and in preparing and filing this monon with the Court- As detailed in the
6 Declaration ofJohn W. Amberg attached hereto, Zernik's barrage of email communications
7 to Countrywide's officers and employees in violation of the Court Order have caused
g Countrywide to incur legal fees and costs in the amount of $5,564.50- Countrywide
9 reasonably anticipates incurring additionallcgal fees responding to Zernik's Opposition of the
10 Motion, and asks that the Court award sanctions against Zernik to compensate Countrywide
11 for all of its fees and costs. But for Zemik's willful disobedience of the Court Order,
'"'"~ 12 Countrywide would not nave been forced ro incur these expenses.
go
M ~ 13 IV. ZERNIK'S CONTINUED WILLFUL VIOLA:rIONS OF THE COURT
A. .. '"
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~> ~· 0~ 14 f)RDER WARRANT AN ORDER TO SHOW CAUSE WHY ZERNIK

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15 SHOULD NOT BE HELD IN CONT.EMPT
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m ~ i 16 Contempt is a disobedience of the Coun by :1Cting in opposition to its authority, justice
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~ 17 or dignity. Raskin \Y. Superior Court, 138 Ca1.App. GGB, 670, 33 P.2d 3S (1934). Contempt
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1. 8 proceedings arc criminal in nature, so guilt must be established beyond a reasonable doubt.
19 Reliable Enterprises Inc. v. Superior Court, 158 Cal.i\pp.3d 604, 612, 204 Cal.Rptr. 786, 789
20 (19()84) "Th(: power to weigh evidence, however, rests exclusively with the mal court." Id.
21 "Direct" contempt is that committed in the immcdjat<: VICW and presence of the Court or of
22 the judge in chambers. AU other contempts, such as this one, which occur outside the
23 presence of the Court, are "indirect." See Nierenberg v. Superior Courl, 59 Cal.App.3d 611,
24 61 () (1976). J\ finding of indirect contempt requires the record to contain substantial evidence
25 that Ihe comemnnr willfully and contemptuously refused to obey an order of the Court. rd.
26 The Court may infer the requisite intent to violate an order from the circumstances. Id.
27 Ccrta.in acts constitute contempt as a maCIet of law, including (a) abusing the court
28 process; or (b) disobeying a court order or process. Cal. Civ. Ptoc. Code §§ 1209(a)(4) and (5).
SMOI DOCS711J47.1 9
COUNTRYWIDE'S MOTION fOR SANCTIONS AND OTHER
RELIEf
Every separate act of disobedience of a court order is a separate contempt. Donovan v,

2 Superior Court, 39 Ca1.2d 848, 855 (1952). Each act of contempt is punishable by a fine not
3 exceeding $1000 or by imprisonment not exceeding five days, or both. Cal. Civ. Proc. Code §
4 1218(a). The Court may order the contemptuous party "to pay to the party initiating the
5 contempt proceeding the reasonable attorney's fees and'costs incurred by this party in
6 connection with the contempt proceeding." Id.
7 In order to find Zernik guilty of contempt, this Court need only find that
8 (a) the July 23, 2007 Order was sufflCiently defInite and certain to be
9 enforceable;
10 (b) Zcrnik was served with or had actual knowledge of that Order;
11 (c) the Order was in full force and effect at the time in question~
12 (d) Zernik was able to comply with the Order; and
13 (c) Zcrntk willfully disobeyed the Court's Order.
14 l<:t The record before this Court establishes the foregoing beyond a reasonable doubt.
15 A. The Court Order Is EnfQrceable
16 An order is enforceable in an indirect contempt proceeding if the order is in writing or
17 entl;:fcd in the Court's minute!>, and if the order is dcfiniti\'c and cerratn. Ketscher v. Superior
1& CDj.Jn, 9 CaL App. 3d 601, 604-605 (1970). The terms of the Court Order are clear and
19 uneguivocal. Zcrruk was directed to communicate "solely with Countty\vide's designated
20 counsel and no other Countrywide officers or employees regarding tbe present action."
21 Further, the Court's March 11, 2008 Judgment provides that "the Protective Order entered on
22 July 23, 2007 by the Honorable Jacqueline Connor is valid and enforceable." (See Ex. C to
23 Amberg Oed.).
24 B. ZCtI!ik Has ~ctual Knowledgc--.Qf the Court Orde.t:
25 Zernik had actual knowledge of the Court Order. As specifically detailed io the
26 COllrt'S March 11,2008 Judgment, "defendant Joseph Zernik had actual notice of the
27 Protective Order as ofJul), 23, 2007, as Zcrnik was present at the July 23, 2007 hearing
28 granting the Protective Order and submitted on the record to the Tentative Ruling granting
SMOWOCS712347.1 10
COUNTRYWIDE'S MonON fOR SANCTIONS AND OTHER
REllEr
the Pl:Otectivc Order. Zernik was also repeatedly reminded of the terms and conditions of the
2 Protcctive Order by Countrywide's counsel and was servcd with a Notice of Ruling and a
3 copy of dle Court's July 23, 2007 Minute Ordcr granting the Protective Order." (See Ex. C to
4 Amberg Oecl.).
5 c. The Court Order Was Always in Full Force and Effect

6 The Court issued the Order onJuly 23, 2007, and has nevcr vacated or moclified it. As
7 declared by the (ourt on February 15,2008, the Order "is affirmed and remains in full forcc
8 and effect." (~Ex. B to Amberg Decl.). Zernik has never sought any rclief or exception
9 from the Order. Countrywidc has never waived any of the Order's reguiremems.
10 D. Zernik Was and Is Capable of Complying with the Court Order
J1 'f11C de fcnse of "inahility to comply" is inapplicable here as a mattcr of law. Zernik is

co
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~ 12 perfectly capable of complying with the Court OrdeL Courts which have upheld that defense
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l'\ ~ 13 found that the alleged contemnor actually lacked the physical ability to pcrfonn the required
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~~~ 14 act. Sec M)'tlS v. Superior Court, 46 CaLApp. 206, 209 (1920) (bank, not the alleged
~ ~ ~
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~ ~ ~ 15 contemnor, had possession and control over bonds ordered produced); Van HQQsear v.
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CD; ~ 16 Rai!.ro.ad Comm'n., 189 Cal. 228, 233 (1922) (former corporate secretary lacked authority or
_:I':
~ 17 control over company records ordered produced).

-<
III
18 Zcmik is clearly able to direct his communication to Countrywide's counseL This is an
19 action within his exclusive control, and sometlung he has clearl}' shown to be capable of in the
20 . past. The (:ourt Order does not restrict Zernik's ability to communicate with Countrywide, it
2\ only mandates that Zcrnik was to communicate solely with counsel. The Court specifically
22 found that Zernik is "able to comply with the Protective Order," which « is evidenced by
23 Zcrnik's numerous cOnullunications that were made to Countrywide's counsel of record.
24 Zernik, however, chose to repeatedly communicate with Countrywide officers and employe.e.s
2S that were not designated counsels of record." (See Ex ( to Amberg Decl.). Instead of
26 complying with the Court Order, which he is perfectly capable of doing, Zernik continues to
27 disobey it.
28
SMO[DOCS712'47.1 1]
COUNTRYWfOE'S MOTION fOR SANCTIONS AND OTHER

RELIEF
E. Zernik Willfully Violated the Court Order

2 Zcrnik willfully violated the Court Order. "Disobedience of any lawful judgment,
3 order, or process of the court" is by statute defined as contempt of the authority of the court.
4 Oil Workers Int'l Union v. Superior Court, 103 Cal.App.2d 512, 534 (1951). When it appears
5 by substantial evidence that a person committed an act proscribed by a Ia.wful order of a court
6 and did so with knowledge of that order and its pertinent provisions, there is substantial
7 evidence that will support a finding of an intentional violation of the order. lei. Where a
8 party, \vith knowledge of the tenus of an order and ability to comply therewith, did not do so,
9 it can be reasonably inferred that their inaction was intentional, despite express disclaimers of
] 0 contemptuous intent. City of Vernon v. Superior Comt, 38 Cal.2d 509,518 (1952).
11 circumstances here are clear: Zemik has shown complete contempt for the Court
..
III
'111C
~ 12 Order and continues to willfully violate it. In the Courrs own words, Zernik "willfully
8~
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13 violatfed] the Court's July 23, 2007 Protective Order" and "the repetition of Defendant
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~~~ 14 Joseph Zemik's violations of the Protective Order is evidence of the willfulness of his
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~ ~ v I S violations; Zernik's violations of the Protective Order were not accidental." (Sec Ex. C to
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m~ ~ 16 Amberg Decl.). The same circumstances are prescnt today. Counsel for Countrywide
_1:
~ 17 repeatedly conftrmed to Zernik that Countrywide was represented by counsel yet Zcrnik
<
'" 18 chose to willfully and repeatedly violate the Court Order.
19 v. CONCL.USION
20 For the re2sons set forth above, Countrywide respectfully requests that the Court grant
21 COllntl1'\vidc's Motion and award sanctions against defendant Joseph Zernik in the amount of
22 : $5,564.50, order Zernik to show cause why he should not be held in contempt for his
23 1 repeated violations of the Court Order, and modify the Court Order to include officers and
24 employees of COllntrywide affiliates, including Bank of America Corporation, so that Zcrnik is
25 directed to communicate solely with Countrywide's designated counsel, Bryan Cave LLP, and
26 no other officers or employees of Count.rywide affiliates regarding the present action.
27
23
SMOI DOCS 712317.1 12
RELIEF
Daf:cd: December 18, 2008 BRYAN CAVELLP

John W. Amberg, Esq.
2 ]enna Moldawskl', Esq.
3
By:
4 ]c a Moldawsky
Attorn~s for COUNTRYWIDE H E
5 LOAN, INC.
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22
23
24
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26
27
28
SMOlDOCS712J47.1 13
COUNTRYWIDE'S MOTION FOR SANCTIONS ANDOTIlER
RELIEF
DECLARATION OF JOHN W. AMBERG

2 r, John W. Amberg, declare:
3 1. I am an attorney licensed to practice law before all the courts of the State of
4 California. I am a partner in the law finn of Bryan Cave LLP, counsel of record for
5 Countrywide Home Loans, Inc. ("Countrywide"). r have personal knowledge of the facts set
6 forth in this declaration.
7 "t •. On July 23, 2007, J attended the heating in] udge Jacqueline Connor's
8 courtroom to present Countrywide's motion for a protective order directing Zcmik to
9 communicate solei)" with Countrywide's designated counsel and no other officers or

J 0 employees regarding the presem action. The Court granted Countrywide's motion for a
II prorective order. The minute order from the hearing on July 23, 2007 states that
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12 Countrywide's motion was granted in its entirety. A true and correct copy of the minute
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"'0 13 order is attached hereto as Exhibit 1\ and incorporated herein by reference.
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~~~ 14 .1. Since Countrywide's first appearance in this matter on July 6, 2007,
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16 issuance of the Court Order on July 23, 2007, directing Zcrnik to communicate solely with
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17 designatcd counse~ howcver, Zcrnik has repeatedly violated the terms of the Court Order by
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18 cont3cting, among others, Angelo Mozilo, the fonncr Chairm30 of Countrywide's parent
19 company, Countrywide Financial Corp., and Sandor Samuels, Countrywide's Chief Legal
20 Officer, on several occasions.
21 On February 15, 2008, Countrywide moved for sanctions and other relief
22 agamst L.ernik for his numerous violations of the Court Order. At the hearing, the Court
23 found that the Protective Order issued by the Honorable Jacgueline Connor on July 23, 2007
24 "is a valid order and the COUIt was authorized to grant the Protective Order pursuant to
25 California Code of Civil Procedure Sections 2031.060 and pursuant to California Code of
26 Ci\'il Procedure Section 128(3)(5)." The Court afftrmed the Order and found that it "remains
27 in full fl)(ce and effect." A true and correct copy of the Order granting the Motion is
28 attached hereto as Exhibit B and incorporated herein by reference.

SMI)IDOCS712347.1 14
COUNl1l.YWIDE'S MonON FOR SANCTIONS AND OTHER
RELIEf
5. The Court granted Countrywide's motion and ordered that Zernik was to pay
2 Counu:ywide {(the amount of $16,170 as sanctions." Tn the event that Zernik failed to pay
3 these sanctions to Count:ry\vide. the Receiver in this matter, David J. Pasternak, was
4 "authorized to pay the sanctions to Countrywide from the Receiver's Fund upon notice to the
5 Receiver and Defendant Joseph Zernik by Countrywide." The Court further ordered Zernik
6 to ~lppcar on Match 7,2008 to show cause why he should not be held in contempt of court
7 and sanctioned for violating the Court Order-
8 i). At the hearing on March 7, 2008, which I attended, the Court found Zcrnik
9 guilty of thirteen separate acts of contempt for his repeated violations of the Court Order.
10 The Coun's Judgment dated March 11,2008 states that "Defendant Joseph Zernik had aCUlal
..., 11 notice of the Protective Order as of July 23, 2007," that Zernik '\vas able to comply with the
"'! 12 Prmcctive Order, which was prohibitory, narrowly tailored, and limited in scope," :and that
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l4 July 2.1, 2007 Protective Order directing Zcrnik to communicate solely with Countr}'wlde's
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18 7. The Court further found that "the repetition of Dcfcndant]oseph Zcrnik's
19 vlOlauons of the Protective Order is evidence of the willfulness of his violations," and Zemik
20 was ordered Uta pay a finc in the amount of $7,500 for thirteen (13) separate acts of
21 contemrH:, pursuant to Code of Civil Procedure Section 1218(a)."
22 8. Despite the Court's award of sanctions against Zernik and its issuance of a
23 contempt judgment against Zernik, he continues to violate the Court Order. On November
24 12, 2008, Zernik sent an email to Mr. Samuels in direct violation of the Court Order, referring
25 to him as a «perpetrator of fraud." A true aod correct COP}' of the email is attached hereto as
26 ExhJbit D and incorporated herein by reference.
27 9, On November 24, 2008, Zcrnik copied Mr. Samuels on an email to Bryan Cave
28 attorneys, outlining the alleged "fraudulent cImms" truide by Countrywide employees with
SMOIOOCS712J47.1 15
COUJllffiYW1DE'S MOTION FORSANCTJONS AND OTHER

RELIEF
respect to the underlying action, and claiming Countrywide produced "fraudulent records" as
2 part of its "collusion" with Plaintiff Nivie Samaan '$ attorneys. A true and correct copy of the
3 email is attached hereto as Exhibit E and incorporatcd herein by referencc-
4 10. On December 8, 2008, I cmailed Zernik and informed him that the status of
5 Bryan Cave as outside legal couosel for Countrywide remained unchanged, and that, pursuant
6 to the Court Order, Zernik was to communicate exclusively with counsel for Countrywidc and
7 nOl with any of its employees. A true and correct copy of the email is attached hereto as
8 Exhibit f and incorporated herein by reference.
9 11. On December 9, 2008, Zernik sent three emails to Mr. Samuels and another
10 Count..l)r\\~de employee, Maria McLaurin. In thesc emaiJs, Zernik feigns ignorance of the
II COtirt Order, demands withdrawal of "fraudulent records," and 3ccuses Countrywide of

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18 are al tached hereto as Exhibit J and incorporated herein by reference.
19 13. Zernik has also begun harassing employees and officers of Bank of America,
20 which merged with Countrywide in July 2008. On December 3, 2008, Zernik scn( a letter to
21 Kenneth D. Lewis, Chairman, Chief Executive Officcr and President of Bank of America
22 Corporation, and Teresa M. Brenner, Associate General Counsel for Bank of America,
23 enclosing a "press release" allegedly outlining "Countrywide's involvement in a dubious Los
24 Angeles Superior Court case" and demanding "immediate action to mitigate [his) damages." A
25 true and correct copy of the letter is attached hereto as Exhibit K.
26 14. On December 9,2008, Zemik faxed a letter to Timothy Mayopoulos, Executive
27 Vice President and General Counsel of Bank of America, requesting that Countrywide
28 withdraw "fraudulent records produced by Countrywide Home Loans as part of subpoena

SMOJ[)OCS712347.1 16
COUNTR YWIDE'S MOTION FOR SANCTIONS AND OTHER
RELIEf
1 productions that were replete with fraudulent records, and wh.ich tried to entirely fabricate
2 Sam;]an's fraudulent loan applications." Zernik also demands a response form Mr.
3 Ma~'opoulos by Wednesday, December 10, 2008. A true and correct copy of the letter is
4 attached hereto as Exhibit I. and incorporated herein by reference.
5 15. The same day, Zernik scnt a letter to scvcral Bank of America employces
6 requcsting "immediate intervention and curbing of Sandor Samuels." He claims that he is
7 writing to "inform" Bank of America of "my abuse at the hands of Count.rywide." Zcrnik
8 claims that he "discovered fraud in Couotry\vide's subpoena production" and that, since that
9 time, Countrywide "assumed a status abmre the law in the Los Angeles Superior Court with
10 pennission to engage in criminal conduct with the blessing of the COUIt itsel[" A true and
11 correct copy of the letter is attached hereto as Exhibit M and incorporated herein by
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"0 13 On December 16, 2008, Zernik again emailed Maria McLaurin, a Countrywide
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OX 16 present action is "a convoluted tale of frauds" and that Countrywide is engaged in
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~ 17 "obstruction of Justice." He further aUeges that "all judges" of record in this matter engaged
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18 in t.he production of false deceitful trial litigation records." A true and correct copy of the
19 email and its attachments is attached hereto as Exhibit N and incorporated herein by
20 reference.
21 17. Count:ry\vide was forced to incur legal fees and costs in responding to Zernik's
22 numerous cmails regarding the Court Order and in vlolation of such order.
23 (a) I have spent approximately 3.9 hours reviewing and discussing Zernik's
24 communications regarding Bryan Cave's repreSenL'ltion of Countrywide in violation of the
25 Court Order, and preparing responses to those communications.
26 (0) As a result of Zernik's violations of the Court Order, Countrywide was also
27 forced to file this Motion. A total of at least 6.3 hours has been spent by the lawyers
2& preparing this Motion and the supporting papers, of which I spent 1 hour. Furthermore, I
SMOJDOC.S7l2J47.1 17
COUNTRYWIDE'S MOTION fOR SANCTIONS ANDOTIiER

RELIEF
1 reasonably anticipate spending 0.5 hours reviewing Zernik's Opposition brief, and 0.5 hours
2 drafting and' revising Countrywide's Reply brief.
3 (c) I have been assisted in this Motion by Jenna Moldawsk.1" Ms. Moldawsky has
4 spent 5.3 hours drafting and preparing this Motion, which includes drafting and revising the
5 Notice of Motion and Motion, the Memorandum of Points and Authorities, and the Proposed
6 Order. I anticipate that Ms. Moldawsk-y will reasonably spend 1 hour reviewing and analyzing
7 Zernik's Opposition, and conducting legal research. I further anticipate that Ms. Moldawsky
8 will spend 2 hours drafting and revising Countrywide's Reply brief. I also anticipate Ms.
9 Moldawsky will spend another 1 hour preparing for and attending the hearing on this Motion.
10 My billing rate for this matter is $495 per hour aod Ms. Moldawsky's billing rate for this
.. 11 matter is $280 per hour: My hourly rate of$495 x 5.9 hours =$2,920.50, combined with Ms.
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12 Moldawsky's hourly rate of $280 x 9.3 hours = $2,604.00. Additionally, the filing fcc for this
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OX 16 Countrywide reserves the right to seek reimbursement of additional legal fees and costs
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18 I dechuc under penalty of perjury under the laws of the State of California that the
20 Executed this 18th day of December, 2008, at a
21
22 ~------..=>o...,.---:>.L..-_~~-----
( John W. Amberg
23
24
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SMOlDOCS712347.1 18
COUN1RYWIDE"S MOTION FOR S!lNCTIot-IS AND ornER
RELIEF
DECLARATION OF TODD A. BOOCK

2 I, Todd A. Boock, decbie:
3 1. I am an attorney licensed to prnctice.law before the counsof the State of
4 Caljforni~. I mn employc<l ~ in-ho.u~e coun~e1 for Countrywide.Ho.me Loans, Inc;
5 ("Countrywide"). I have personallrnowledge of the ('lets set forth intllis deduation-and
6 could compctcndy testify (0 the follo\Vllg facts.
7 2. On December 8, 2008, I was made aware that dcfcndamJoscph Zcl:nik called
8 Phillip Wenz of Bank of Aqlerica Corporation's Legal Department, claiming that he had
9 "uncovered fraud" at Cotll1t.ryw:ide in cQnnecti.on with the present action, and that he was·
J 0 ''being h~rassed by Countrywide·in tct{lliation." :t\1r. Zcmik also indicated that he had been
11 trying to contact Bank of America General Counsel Timothy Mayopoulos regarding the same
12 Issues.
13 3. On December 17] 2008, J was made aware that defend<1nt Joseph Zcrnik cailed
I4 l~ndySparks"of Bank of America Corporation's Legal Department, compJaioingaboul fraud

15 and conspiracy involving Sandor Sainueis, Countrywide's Chief Le~l Officer, and Bryan Cave
16 LLP.
17 4. In addition to the above, 1 am aware that defendantJo~eph Zcmik has made
18 numerous attempts to co.ntact various other individuals in Bank of America Corporation's
19 ; Leg<1] Dcparanenr, as well as executives within the company regarding the present action.
20 Ie I declare under penalty of perjury under the laws of the Sttte of Califo'miatha·t the
21 foregomg is tme and conect.
22 ; Executed on December 18,2008, at L-of M California.
24
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SMOIDOCSJl13~7.1 18

REI.lEF
EXHIBIT A
SUPERIOR COURT OF CALIFORNIA. COUNTY OF lOS ANGElES
OAlE: 07/23/07 DEPT. v,'EI
"O~:olWlle JACQUELINe A. CONNOR lUOCE V_ JAIME
IfOl-:Olt'l1l.E JUDGE l'RO lEM

#13
B.• VARGAS CA "D<puq- Sbuilr J. HARR I S CSR!t-2097
8;30 am SC081~OO rlalP<ilt

C«lnsd MOE KESHAVARZI (X)
NJ:VI8 SJU..1MN
VS D«ad>nl
JOSEPH ZERNIK <Awl\.<1 JENNA t-lOLDA\iSKY (x}
JOHN W. AMBERG (X)

CCP 170.6 - J~~E NEIDORF
NA 11JR£ OF PROCEEDINGS;
DEFENDANT (JOSEPH ZERNIK} MOTION TO EXPUNGE LIS

PENDENS;
MOVING PARTY (COUNTRYWWE) MOTION FOR PRoTEcTIve

ORDER;
Matter is called for hearing_

All parties acknowledge receip~ of Lhe Court's
tentative ruling ·and submit on the tentative ruling.
The motion of defendant Joseph Zernik to expunge lis
pendens is DENIED. Defendant has failed to
establish that the Court's previous ruling on
November 9, 2006 was baaed on fraudulent or false
evidence presented by plaintiff. Defendant has also
failed to show that ~he lis pendens was Dot properly
served. Counse1 for plaintiff is ordered to give
not.ice of this ruling. .
The lJ~t~on of non,:"pat::!:;y',.~9unt.rywideHOClle L<:)ar'is for a
protect-!.ve order is .Q~.- Defendant.J~~eph
Zernik is directed t:o~<fdlblitiini~te solely ",itb
Countrywide's .~es-igqlilt~.coWlsel·,· TOdd A,_· Boock, and
no other officers b~ e~loyees regavding the present
action. The proposed order is signed and effective
as of this date _. 'Counsel for Co·tintrywide is ordered
to give notice of this ruling.
MINUTES ENTERED
Page 1 of 4 DEPT. WEI 07/23/07
COUNTY CLERK
SUPERIOR COURT OF CAUFORNIA COUNTY OF lOS ANGELES

t
O....T£; 07/23(01 DEPT. \iEI
1I0tiORABIL JACQUELINE A. CONNOR V. JAIME

UOl\ORABU ELECTRONIC RECORDING ~!ONrroR
un
A. VARGAS CA J. HARRIS CSRlt2097 ~<1
8:30 am SCOS7400 I'\UJGlJ

Couasd 1'108 KESHAVA..~ZI (X)
IHVI8 SAMAAN
VS l>o:fa,dlnl
.JOSEPH ZERNIK C... nld JENN1\ MOLDAWSKY (X}
JOHN YJ. AMBERG (X)
ccp no. 6 - JUDGE NElDORF
NATI./RE OF PROCEEDINGS:
In this case, defendant moves to expunge the lis

pendens arguing that plaintiff cannot establish the
probable validity of her claims. ZERNIK asserts
that plaintiff failed to timely remove the appraisal
contingency ~lhich gave him the right to cancel the
escro\o:. Be further argues that plainti[f's
opPosition to the prior motion to expunge was based
()n fraudulent. arguments and documents. However the I
declarations and evidence provided by plaintiff

continue to raise a question as to whether ZERNIK
had submitced a fully execut.ea copy of the Purchase
Agreement t.o Mara Escrow as of October 22, 2001.
The documents submitted by defendant simply do not
establish that plaintiff has engaged in any fraud or
i:ailed to properly serve the lis pendens on him_
Again, there are too rrany fact.ual issues that cannot
be decided here, including whether SAMAAN was
oready, willing and ableo to proceed with the
purchase of the property_ Therefore, the moticn t.o
C~UNTRYWIDE seeks a narrowly tailored protective

order requiring that ZERNIK direct all future
communications to COUNTRYWIDE'S desigoated counsel
a.nd precluding him from directly phoning, e-mailing
or otherwise contacting its represented officers and
employees. First, the motion is properly supported
by the declarations of in-house counsel Todd A.
Boock and attorney of record John W. Amberg, \oIhi.ch
taken in response to ZERNIK's conduct towards
l-ITmrrES EttrRRlID
Page 2 of DEPT. liE I 07/23/07
COUNTY CLERK
SUPERIOR COURT OF CAUFORNtA, COUNTY OF lOS ANGELES
DA.T£: 07/23/07 DEPT. \·;E1
ROl'lOlWlLE JACQUELINE: A. CONNOR IODG V. JAIME DEI"VTY CU'JtK
EL£CTllOtltC lW::ORDING MOxrrOR
B. VARGAS CA ~SlocriR J. HA.~RIS CSR!t2097
8:30 am SC087400 I'l.obUlf

C6\1llttl MOE KESHlWARZI (X)
NIVIE SAMAAN
VS DdcrllbTl
JOSEPH ZERNIK ~ J~~ MOLDAWSKY (X)
JOHN W. AMBERG (X)

CCP 170.6 - JUDGE NElOORF
NATURE OF PROCEEDINGS;
COUNTRYWIDE. Second, the Court finds that

C:OUNTRYWIDE ):las shown .. good cause" for the
~rotective order sought. ZERNIK has failed to
establish the validity of his cOIllInunications with
COUNTRYWIDE has failed to comply with a discovery
obligation, ZBRNIK's recourse is to file a discovery
motion with the Court. Any assertion that
COUNTRYWIDE is somehow involved in wrongdoing is not
supported by anything other than hearsay and
conjecture. Moreover, since ZERNlK is representing
himself in this actiori. his assertion that
COUNTRYWIDE is improperly applying attorney
standards to him is not: well taken_ A litigant
appearing in propria persona is generally held to
the some restrictive rules and procedures as an
attorney. the rules of civil procedure must apply
equally to parties represented by counsel and those
who forgo attorney representation; such a party is
to be treated like any other party and is entitled
to the same, but no greater consideration than other
litigants and <l.ttomeY6. (Rappleyea v. campbell
(1994) 8 Cal.4th 975, 984-985; see Barton v. New
lJoit:ed Motor Mfg._ (1996) 43 cal.A~p.4th 1200, 1210.)
COillITRYWIDE has a right: to be protected from
unwarranted annoyance, embarrassment or oppression.
Since the protective order sought simply directs
ZERNIK to communicate with COUNTRYWIDE's designated
counsel, there-is nothing to show any infringement
on ZERNIKls free speech or other rights.
MINUTES ENTERED
Page 3 of 4 DEPT. HEI 07/23/07
COUNTY CLERK
SUPERIOR COURT OF CAUFORNIA, COUNTY OF lOS ANGELES
'DAlE: 07/23/0'/ DEPT. \-IEI
1I0NOR.~l£ JACQUELINE ~. CONNOR IOOCE V. JAIME
1l0NOAABLf. JUDGE no lD'

#13
B. VARGAS C/J. DcpolySberi J. HARRIS CSRft2097
8:30 am SC081400 PWttiIT

CDu-.a MOS KESHAVARZI (x)
NIVIE SAHAJ.\N
VS o.fcrd1ot
JOSEPH ZERNIK ~ JENNA MOLDAWSKY (X)
JOHN W. AMBERG ex 1
CCP 170.6 - JUDGE NElDORF
NA'IlJIlE OF PROCEEDINGS;
Defendant requests for ruling on Evidentry

Objections.
The. Court declines to rule on the Evidencry
Objections. The Court finds the Bvidencry
Objections are not properly filed pursuan to Rules
of Court 3.13.51.
Counsel for Plaintiff is ordered to give notice.
MINUTES ENTERED
Page 4 of DEPT. liE I 07/23/07
COUNTY CLERK
EXHIBITB
RECEIVED
2
MAR 1 2 ZOO8
3 CONFORMED CO
SUPERIOR COURT OFORlGINALfIla> py
4 WEST DISTRICT f..os Angeles Sun-:
SANTA MoNICA .......01" CoUrt
S MAl< L :J lOO8
lorn, A. C'as-kc, ~ •
6 CCllll"e OffiC<':rlClcrl;;
ByJQ
. traQ, Deputy
7
8 SUPERIOR COURT OF THE STATE OF CAUfORN£A

9 FOR THE COUNTY OF LOS ANGELES, WEST DISTRICT
to
II NIVIE SAMAAN, et :aL, Case No. SC087400
12
Plaintiffs,
13 VS. ~ORDER
14
15 JOSEPH ZERNIK, ct al.
16 Defendants. Datc: February 15, 2008

Time: 8:45 a.rTL
17 DCPI: WEJ
18
19
20
21
Countrywide Home Loans, Inc.'s ("Countrywide") motioll (1) to enforce the July 23,
22 2007 protective order against Defendant Joseph Zernik CZemik'l; (2) for monetary sanctions
23 against Zemik in the amountof$16,170; (3) for a declaration that Countrywide has no
24 obligation to respond further to Zcmik's hanssing communications: and (4) for an order to
25 show cause why Zemik should not be hcld in contempt and sanctioned accordingiy (the
26 "Motioo') came on for hearing before the Hono~ble Terry B. Friedman in Department WE)
27 of the Los Angeles Superior Ccutt,. West District, On Febnury 15,2008. John W. Amberg of
28
SMOtOOCS6713l9.t PROfOSED ORDER

Bryan Cave LLP appeared on behalf on non-party and movant Countrywidc. Defendant
2 Joseph Zcrnik appeared on his own behalf. Also in attendance were Receiver David J.
3 Pasternak and Moe Kcshavani of Sheppard Mullin Richtcr & H'UT\pton liP. counsel for
4 Plaintiff Nivie Sam:aan.
5 Having rC2d and considered the Motion and all papecs submittcd in suppon thereof
6 and in opposition thereto, and having hC2rd :lOd considered the argument ofcounsel and
7 DefendantJoscph Zcmik, and good Cluse appearing therefor,
8 THE COURT FINDS THAT:
9 1. The Protective Order issued by the Honorable Jacqueline Connor on July 23, 2007 (the
10 "Protective Order') is 3. valid order and the Court was authorized to grant the
II Protectivc Ordcr pursuant to California Code of Civil Procedure Sections 2031.060

12 and pursuant to California Code of Civil Procedure Section 128(a){S). Both code
13 sections serve as legilimare bases for me issuance of the Protective Order;
14 2. '1 be Pwtcctive Order is affioned and remains in full force and effect; and
15 3. Countrywide presented sufficient evidence that Defendant Joseph Zcrnik violated the
l6 Protective Order and should be sanctioned.
1'1 IT IS SPECIFICALLY ORDERED THAT:

18 1. Defend:mtJoscph Zanik is ro pay Countrywide (tlu-ough Countrywide's attorneys of
19 record) the amount of$16,170 as sanctions within 20 days of the hearing. In the event
20 that ZCtnik fails to pay these sanctions to C..ountrywide, the Receiver in this matter,
2l David J. Pasternak, is authorized to pay the sanctions to Countrywide from the
22 Receiver's Fund upon notice to the Receiver and Defendant Joseph Ze.mik by
23 Countrywide; and
24 III
25 III
26 /11
21 III
28 1/1
SMOID0CS6ID~.1 2
PROPOSED ORDER
2. Defendant Joseph Zernik is ordered [0 aplJtlf on Match 7,2008 at 9:30 a.m. to show
2 cause why he should not be held in contempt of court and sanctioned for violating the
3 Protective Order.
4
5 IT IS SO ORDERED.
6
7 Dated: JII'/O~
g Hon. Terry B. Friedman
Judge, Stlp(=rior Court of CalifotnU
9 Prepared and submitted hy:
10 BRYAN CAVE LLP

11 John W. Amberg (CA Sute Bar No. 108166)
Jeona MoldawskY (CA State Bar No. 246109)
:l 12 120 Broadway, Suite 300
:::l Sanu Monica, California 9Q401·2386
8 i, 13 Tcleph?nc: (310) 576-2100
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'; ~ Facsimile: (310) 576-2200
-;~~ 14
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~ I~ 15 Attorneys for Countrywide Home Loans, Inc.
~·e ~
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en
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SMOIOOCS6ml9.1 3
I'R.OI'OSED OROf.R
Page. or,
filE COpy
Chiri, Judith C.
F.rom: Amberg. John W.

Senl: Thursday. March 13,20084: 18 PM
T,a: Chin, Judith C.
Subject: FW: Zemi\c;: Signed/Conformed Order re: molion for sanctions
Attachments: 021179 Order.PDF
Please print
From: Moldaws"y. Jenna L

Sent: Thursday, March 13, 2008 4:06 PM
To: Todd_Boock@COunbywide.COm'
Cc: Amberg, John W.
Subject: Zemik: SignedlCDnformed Order re: motion for sanctions
Todd:
Alt.:lch("j is 2 signed :wd conformed copy of the Judge Friedman's order gt3nting our motion for S:tflctiOflS. We will serve a
copy on aU panies.
Jemu
Jcn::u L. Moldawsky. Esq.

BRYAN CAVE LLP
Santa Monica., C:dilomia 9010 I
Ph(lO~ (310) 576-2">77
F:lX: (310) 576-2200
E!!1:l.[l,old:l.wsl;y@brpnc:,\'c.com
3IJJ12008
EXHIBIT C
F·[LE
2 RECEIVED .
CONFORMED COpy
3 MAR 1 1 1008 OF ORJGlNALALED
Lo~ An8elc.s SupetlorCO<Ut
4 stJi>£i\IOR COURT
WEST 01S1R1Cl MAl< I IlOOO
5 SANTA MottlCA
John A. Clarke. fuccllli _<: Olllcct/l :Ie,l.
6 By J. Citron, Deputy 7'

7
8 SUPERIOR COURT OFTHE STATE OF CALIFORNIA

10
NIVIE St\MAAN C~se No. SC0874QO
II
12 Pbinuff,
.fPRGPQSlID] JUDGMENT RE:
13 CONTEMPT
V5.
14
DATE: March 7, 2008
15
JOSEPH ZERNIK. TrME: 9:30a.m.
DEPT: J
De(end:lnt.
16 ~-----_.
18
On March 7, 2008 at 9:30 3.m. in OcpanmcD( J of U1C Los Angeles Superior Court,
West DisuiCl, localed at 1725 Main Sueet. Santa Monica, California, 9040 I, proceedings were
19
held pursuant to the Court's Februal)' IS, 2008 orocr that Defendam Joseph Zernik
20
("Zernik") appcar and sho\ll cause why he should nOt be held in contempt of court. Outing
21
lhc proceeding;. Countrywide Home Loans, Inc. ('Countrywide") preswtcd evidence that
22
Zcrnik should bc held in contempt of COurt for disobeying the Court's Protective Order,
23
24 dated July 23, 2007, directing Zcmik to communiote solely with Couotcy-.liidc's designatcd
25 fOlln~r1 ~nd no other onicen; c)r cmployc~ rCgJIrdiog the prescnt action. John W. Amberg
26 and Jeona Moldawsky of Bryan Cave LLP appeared on hehalf of 0:lllOtry'-liide. Moe
27 Kcshavarzi of Shl'pplIrd Mullin Richtcr & Hampton LLP 3ppe2red on behalf of Plaintiff
Nivie S:llllaan. Robert J. ShuJkin appeared telephonically on behalf of Cross-Defendant

28
$MOI £JOCS67Zo 17. I PROI'OSEO JUDGMENT

Coldwell Banker. Defendant Joseph Zcrnik telephoned the clerk of the Coun prior 10 the
2 procecdings and informed me Coun that he would not appe:u.
J IT IS HEREBY ORDERED, DECREED AND ADJUDGED THAT:

4 1. Defendant Joseph Zcmik had actual knowledge of Ihe comempt proceedings,
5 and was properly sct"Ved with the Order to Show Causc rc: Contempt, am:!
6 chose nOt CO appc::!r or present evidence in his defense;
7 2. The Protective Order entered on July 23, 2001 by the Honorable Jacqueline
8 Connor is valid and enforceable;
9 3. Defendant Joseph Zernik had 2ctual notice of the Protective Order:as of July
10 23,2007, as Zcmik was prescnt:tt the July 23,2007 hearing granting the
II Proteclive Order and submitted 00 tbe record to the Tcot3uVC Ruling granting
~ 12 the Protcctive Order. Zcrnik was also repC\tedly rcmim:!cd of me lem)S and
8
. , ..
c,-
00
~.~~
l) conditions of the Protective Oeder by Countrywide's counsel and W3S served
.(,t)E"'
~:-
14 with a Notice of Ruling and a copy of the Coun's July 23,2007 Minute Order
5~~
.....
I::~O
gl: .~
15 granting the Protective Ordcr;
~~ . 16 4. DdendantJoseph Zcrnik was able [0 comply with the Protectivc Order, which
c
~ 17 '.Vas prohibitory, narrowly tailored. :md limited in scope. This is evidenced by
18 Zerruk's numerous communications that wcre made to CounlIyWidc's counsel
19 of record. Zernik, however, chose to repeatedly commuruc:IlC with
20 Counuywidc officcrs and employees that were not designated counsels of
21 record;
22 ). The Court fInds that De fendafll Joseph Zcmik committcd thirteen (13) separate
21 acts of contempt by willfully violating the Court's July 23, 2007 Protective
24 Order directing Zernik to communicate solely with Countrywide's designated
25 counsclaod no other offiecr'; or employees regarding the present acuon;
26 o. The re(Kriooll of Defendant Joseph Zemik's violations of thc Protcctive Order
27 is evidence of the willfulness of his violations; Zemik's vioblttollS of the
28 Protective Order were not accidental Further, in sevcral of Zemik's
SMOICQCS6120[1.1 2
PROl'OSEO JUDGMmT
communications with represented Counaywide offreers and employees, Zernik
2 admiucd me existence of the Protective Order;
3 7_ The Court finds that Defendant Joseph Zernik is guilty of contempt purswnt
4 to Code of Civil ProcedU1'c Section 1209(:1) and is to pay a fUle in the 2-mount of
5 $7,500 for thi.nccn (13) separ:u(! acts of contempt, pursu:mt to Code of Civil
6 Procedure Secuon 1218(3). The fine is imposed on a graduated scale _. Zernik
7 IS not fined for his iniual violation of the Protective Order, but is fined $100 for
8 rus second Violation. For each subsequent viol:nion thereafter, he is fined :In
9 additional $100. Zernik is fined $1,000 for the 11th, 12th, and 13th violation,
to for a total ofP,500;
11 fl. The collection of the $7,500 fine is suspended subject to the following
<D
1'2 condition<;, The Protective Order tcmains in full force and effect during the
""n
'"
0":'
.......
0°
...... g
13 pendency of this lawsuit. ff Defendant Joseph Zetnik further viob.lCS the
:::-~~
,. U) £ 14 Protcctive Order, upon five (5) days' written notice from Countrywide to
~ :.o:.~
....
o~.
coo
co':
CDm~
15 Zernik, the Receiver shall pay $7,500 from the Receiver's Fund to Countrywide
00 16 in care of its 3ttorncys, Bryan C3VC LLP, unless Zcmik obtains a Coun Order in
"'-
-~
."'
a
'"
17 the interim blocking payment; and
18 9. Countrywide shall pay its own :!Horoeys' fce<; 2nd costs associated with the
19 contempt proceeding.
20
2\ Dated-
Han. Terry B. Friedman
22
Judge. SU[X'Jior Coun of Califomia
23 Prepared and submitted by:

24 BRYAN CAVE LLP
John W. Amberg (C.\ State Bar No. 108166)
25 Jenna Moldawky (CA State Bu No. 246109)
120 Broadway, SUIte 300
26 Santa Monica, California 90401-2386
Telephone: (310) 576-2100
27 Facsunile: (310) 576-2200
28 Attorneys for Countrywide Home Loans, Inc.
SMOIOOCS611~I1,1 ]
PROI'OSEO JUDGMENT
PROOF OF' SERVICE.
2 I 'lITl employed in th~ County of [.()S Angeles, StAte of Californ;a. [am over the 2.ge of 18 :lOd
not a pany to the within action. My business 2ddress is 120 Bro2dway, Suite 300, S2nu Monici.
3 California 90401-2305.
4
On M2.rch 1\ 2008, I sClVcd the foregoing document{s), described 2S JUDGMENT RE;
5 CONTEMPT, on the interested p:uty{s) in this 2.crion,1S foUows:
6 Moe Keshav3rz~ Esq. Joseph Zernik

Sheppard Mullin Richter & Hamplon. LU' 2415 SainI George Succt
7 333 South Hope St.recl. 18th l'loor Los Feliz. California 90027
Los Angeles, CA 90071-1448 Telephone: (310) 435-9107
8 F2cs~e;213-620-1398 F2csimile: (SOl) 998-0917
9 mk-c;b:lI':uzi@Shc;pp2cdmullinc9C11 ~ 12345@l'2C!/tliok nc1
10 Robert J. Shulkin, Esq.

David 1- P1Slerl1:1k U:g21 Department
11 l'asrerm.k, P:l.Stenuk & Pallon. LLP Coldwell Banker Rcsidenti21 Brokerage COmp:lRY
1875 Century P3.lk East, Suite 2200 11611 52n Vicente Boulev::ud. 9'" (loor
~ 12
~ Los An~des. e..tifomU 90067·2523 Los Angeles. CA 90049
. 8-'-
0 13 Telephone: 310·553·1 sao Facsimile: 310-447.1902
0"
~~ ~~
~E
F:>csimile: 310·S5}·1540 !,Qbcrt.shulkin@Clmovc;$.cQm
-;: U) 14 Qir@r:>~hw.COm
~ ~.!?
1:J ;~
...
"'."u
~e~
15
CQa:J-~
t:8J (BY OVERNITE EXPRESS) (deposited in :l !>ox or otha facility nl:Unbined by
...
!B 16
Ovcrnite Express, 2n express auier service, or delNcr<:d to,. couria or drivcr 2uthoriud by nid
<::
III
17 expeess c::uUu savicc to r<:ccive documents.,. lCU<: copy (or original) of chc: foregoing document, in
;1O envclope (Icsignated by said express sc{\licc oeOee, with ddivery fees p~d Qr provided for.
IS
Executed on Much II, 2oo8.;it Santa Momo, Gliforni.:z.
19
I dcdale under penalty of perjury under the laws ofthc United Slates of America
20 and tlle Slale of California lhal the foregoing is lrue and correct
21
22
23
24
25
26
27
28
S MO 1I)()C56720 IJ.I PROPOSffi IUDGNENT

EXHIBITD
--_. Origin:!1 Mcss.gc •.•.•

From: joseph zernik <jz 12345@orlhlink.nct>
To: Moe Kcshav;U7.; < MKesh:lv'lIzi@Shcppudmullin.com>; D. ~rctt Bunco <BBunco@LASuperimCow:torg>;
s1r:l.h overton <sovC[(on@cmda·b",.com>; kdicarlo@cmda-l.aw.com <kdiCulo@crnda-law.com>;
muUn_bcrg@£bilyjournal.com <nurOn_bcrg@rhiJyjourtUl.com>: Paul Malingagio
<PMalinr,agio@shcpp:udmullin.com>; Amn.-.r~ (ohn W.; uroyorklls@omm.com <:1mayorbs@omm.ct:\m>; Van
Cb'c. Peter n.; David J. P:mernak <jwp@padAw.com:--; tffiRx@Shcppardmullin.com
< uu:.u<@.~hcpp.rdmullin.col1\>; :;mgclo_mozilo@counu:ywide.com <:angclo_mozilo@countryWlde-com:> ;
::ianc,oc_s:lffiuels@counttywidc.eom <~ndor_s"JllUds@co..ntrywide.com>
Sent: Wed Nov 12 02:S9:14 2008
Subject: RE: Notice of Ex ['.ne App61r:mce. :Ind racketeering und~ guise of Iicigation in LA Superior Court
To whom it may concern:

J
RE: Notice of Ex: Parte: Appeauace, and Clcketccring under guise: of litigation in LA Superior Court I
\-
l
j
1>1e:a.!-c take Houer. of communlCltions below, fo[W>rded by ernlll, by fax, or by ccni£icd ovcmigbl r=illo the I
foUowing:
A. Au Mohammad K~h:tvao.l & Atl Maling;tgio

Counsel {ot Sama.. n
Shepp.. ro Mullin, LA
All Ted Max
Man~ging Partner, Sheppard. Mullin, NY
. cng:tging in conduct th.t must be dumed racketeering in Iirig;ttioo OfSUll>2n v Zcmik (SC087400)
in LA Superior Court
i
1-
B. The Honor,}h[~ Stoi':phcn Czuleger, Presiding Judge & John Cw-ke, Oc.rk, LA Superior Court \
A.u 0 B Bimco, Counscl to the court
Alt S Overton, Counsel to the court
,
~
,,
- leadership of lhe LA Superior Court, which :lbdic~led ;lny notion of fucther;lncc of justice, and
refuses to answer b3Sic questions:
• would they finaUy allow InC 2.CCCSS 10 my own titig:atiOtl records?

· who is the judge assigned to the usc?
· was judgment entered in tlUs OSC, or wasn't it?
C. Mr Martin Berg, Editor, Daily Journal,

Conuolling Party in SUStain· LA Superior Coun's fraudulent usc management system
- do the {cadets knOIll of the duplicitous role of this newspaper?

. would he confirm or deny some of Ihe fnodulcnt faCUJ:"-S ofSust:Un Iist"d in the .. tuched
D. All D:tvid Pasternak

Form,,! Pr~idem. "Housc o( Jtl.~rj~r." . R".I Tu.cld,
- perpctr:tlor of fr:tuds under pretence: of Receivcr
E. Atl Sandor Samuels, Me Angelo Mo:;:ilo • Officers of Countrywide

Prcsidcnl."Hou~ of JlL~licc" - Ret Tudck
Mr Sa muds . also as fO«Iler
- p"rpetr-llOt5 of fr:tuds iothe millions of dothes ag2insr individuals, in ttillions of doUars 2gallsr the
U.S. govcrnmen£...
r. Au Alejandro tIobyorbs 2nd Au Muk I~mins

Officers of "House of Justicc" - Bet Tzedck
Au Mayotl<AS • also 3$ co-signer of lhe ConsCflt Decree re; Civil Riehts in LA. (2:2000cvI17G9)
- woukl they finally answer?
- ;).re there 2.lly dispule resolution bylaws in the "House of Justice"?
G. The Honorable ROrl21d George. ChiefJu.slice. Gliforni.. Supreme Court

As membcr of the le2d~hip of LA Superior Court -19SS. at the time Susuin w:lS iost::llle:d.
- W2.$ he Or wasn't he involved in inse:tlhuon of$use:tin>
- ::md what d~ he knolll ",bout it?
- would he acl pursu,nt to the code of judicial ethics?
H. Th" Honorilile G....ry FeC5s, Judge. U.S. Di5trict COU£(, I..J\

Also OversCCJ: of Civil Rights in LA per (2:2000cvl17Gl})
Aho . as former Judg" of LA. Superior Court
- as formcr user of Sus!2in. wh.. . t d~ he know>
. as Ov"rseer of CivillUghts.....nd a judge. would he :u;l upon ltis duties pcr Code of Ethics?
Copies were crmiled to various olhers in the legal community and otherwise relevant 10 the case.
Attached is a record tided: Ullpubli5hed Rules of CoWl • LA Cuunty. d~cribing some of the fcauds tdaled 10 the
o[Xntioa of SUS12in as the c.asc ffi4nagcment SystCffi in the coor£. The core of the evidence is a obiI' at the end of
the document, comparing the "Dace Minutes Entered" in the paper court file version of the Minutes :lod the
ele<:uoaic COUIt 61e version of the minute (which is offlimits 10 the pub he).
The: document is incomplete, but I :l.lUchcd it for expediency we. It an also be fouod Olt I
bttp:!/inpropainb..com!.OHeading-076.!.Ol.sup-<t..avil-uopublished-tuks-<>f<owt-s.pdf 'I'
<http://inpropainh.com/.or·le:lding-076-la-sup-d-civiI-unpublish~l.ruIcs-<)f<ourt-s.pdf> The online version
would be completed in the next few dAys. The rbte of the version appc:us in the digital sigtla.tutt 2t upper righr of
2
face page.
. - _. •• ".0 ••• __ _ .. ._ _ _ _ .•• .. _. _ •• __ •• _ ..
A. Counsel for S~maan. All Kcshayarzi, Shcpp2Cd Mullin
NO~'l:lnbcr 11, 2008
Att Mohammad Kalm/:lC2i

A.u Paul M:ilingagio, Managing Partner, LA Au Ted Mu, Managing )lartncr. New YOlk
Me Ke.shavarr.i, All Maliog:lgio:
As [,oted befole, lhere is no response in your email norice to my demands:

:toFor refund of sanctions in the sum oE $2,570 fraud...dcntly extrae.ted from mc by 2 joinr (raud of Kcsluv:uzi and
Connor, And Cf\:lblcd through fnuds in Susuin and denial of aece.ss to records.
b. ro,)r p:ly for unlawful oceupam:y of my property at 320 Soulh I'cek Driye, Beyerly Hills, 90212, e. 1bar Samun
immectiatel)1 vaCl.le Ihal properly.
Reg;Lrding your noricc. copied beloll/, d:\ted 11/11/08:
1) l11erc is no evidence Uut Samnn v Zcmik is a legitimate Couct Tnck action. The prepondcnnce of the
<:yid,~oee il1dicarcs that this
is an Enterprise Track <.:lS~, :Iod tlut it w1S d~ignalcd thaI way since before the
(:ompbint was fLIed.
2) Y'JU :;He referring 10 ~ Post-judgmenr Older, wheee che«: ~ no judgment. There is no evideoee chat there is :1
v;,lid judgment entered in Ihis ClSe. On the conuary, !.he !>vidence is.J! clC1ll thaI rhe court starting wirh Judge
Connor was engaged in " judgmenr fraud i/\ INs C1Se. In fact, you yourself stated in open coutt on Nov 9, 2007
(Transcripts. Exh.ibir page 57t el seq), thaI you have never Ixcn served wiu. die judgment.:Uld th"l you do not
l'eeoJ~e any judgemellt in this <::Ise. You refused repeated requests tJut you notice the judgment or notice the
cnl<)' ofjudgmenr, as pUlpOllcdly you were ordered 10 do.
http://inproperinla.com/OO·QO-OO·!a,sup-cl-rcansCOpts,s2mun-y-zemik-doc-Sg-s.pdf
<htt-J:/ /rnpropccirlla.c()m/OO-oO-OO.la-sup'<Hr2nscriplS-samaan.v-~ernik-doc-58-s.pdt> 3) Even had there been

:m C:lIler~d iudgment in this use, it wouk! have been void, nor voidable, based on various :1uthoeicics communicated
ro you in the past, pci..m:uily based on fnuds by you, by Sanuao, by CounUywide, and by several judges, thaI were
the f.Jundauon for such putpOcrcd judgment. Some of these fl2.u~ wetC by now certified by fraud el(~rlS, and
other arc dCJlr on their face:
hUp:/ I itlproperinla .co01/04 ·09-0 7-S2 m:un-s-prcqu:<!ification-Ielter.pdf
<hrtp:llil1pro~rinb.wm/04-D9'{}7-samaan-s.prequalifio.rian-Icttcr.pdf> http://iopcopccinh.com/04 ~9-07
opinion-lcrter-fr.aut.l.in-pr~u2lificaio[\-lew~r%56s%SD.pdf
<htlp:/linpropcrinb.com!04-09.07-opinion.lcnct-f~ud.in.prcqll~fi(".2ion.lettd'/oSBs%SD.pdf>
b lip:.' I inpropc nnla.com/04-10-2S-<Ioc -4 S-countcywidc-fnud-conlr:lct-record.pdf
<: http://il1pcoperinla.com/04 -1Q-25·doc-'lS-counuywidc-fra.ud-conttact-rceord.pdf>
http:,'/inpcopcrinb.com/04 .()9-27 -doc-40·sWt:l.:ln- fraudulent .Ioan-appli~tions·s.pdf
<http://iL:propetinla.com!04-09-27-doc-40.sarnaan-fnudulent-loan.appliotions-s.pdf>
http:,'/inproperinb.com/04.()9-27 -opinion-Icaer-fnud.in-loao-applicarions-sigturure%5Bs%SD.pdf
< http://inpwpcrinl2.com/04-09-27-opinion-lettcr-fraud-in-lo:w-applia.uons-sigmture%SBs%SD.pdf> i
http://inpropcrin!:Lcom./04-1 0 -26-Joc-44-<:ountLywidc- fnud-undC£Wtiting-Iettc.r.pdf
< bUf,:!linproper:iala.com/04 -t 0-26-doc -#-counttywide-fnud-undcrwriling-letteL-pdf>
r
http://inproperi.nl.a...com/04-1 0 -26-opinion-lcIlef-a>uouywide-undcrwriring-lettee-oct-26%SBs%SD.pd f
< hltf://iopropccinh.com/04- t O-'l6-opinion-(cttcl-<ounnywidc-underwti.ting-Jetta-OCI-26%SBs%5D.pdf>
hup:/linpropecinla.com/04-IO-25-countcywidc-adultenred-bnnch-input-uccptioo-lequest-s.pdf
3
<http://llIpcoperinla.com/04-IO.2S.counlrywidc':ldulterated-bnndl-input.cxcepcion.[cqucstos.pdf>
hlr:J:/!inproperinh.com!06-ll.0?dod8.1 -<:ounuywidc.mcburin.hlsc-&:Cbntions.pdf
<http://inproperinh.com!O(,.II-Q9 -doc-38-I-<ounuywidc·mc!J.urin-f.lIsc~ccbrarions.pdf:>
http://inpropcrinbocom/06.1 \·09 -doc·38.2-counuywidc-mdlurin-f21se-<kc1m.tions.pdf
<http://inproperinlao<;:om/06-11..Q9.doc:.-38.2.counuywide-mchwio-falsc-dec1:mtioos.pdf> 2) There is no
cvidence and no notice that Teuy FriedlNn h:ls evee been :\SSigned (0 such pU!pOctro COUll :lcnon. He \lias
r~ucslcd on a number of times lO notice his Assignment Order. H.: refused to do so"'. Therefore he h'-S no
authority ae aU rdative to either maller or personso
3) Even 1l1d he been assigned. and had this been 3. legitim21e cout! action, Judge Friedman was disqualified a
number of times. In the most reeetll case, disqualiflC1tion/noncc to cease and desist, tiled March 12,2008. Judge
Fn(:dm.~n, in his response on M:m:h 19,2008, engaged in fraudulent conduct, where he entered in paper couet file:l-
response (invalid on iu f2ce, as a Suike and Answer - ~n un·~llo..,ed combination per the: California Bench Guide of
thc Judicial Coo neil), and then he ptOeccdcd to seceetly void/dispose !Us own response in Sustain (E>:hibit page
194. <laIc aUfiU!eS entcred -00/00/00) _
http://inproperinla.com/OO.OO·OO-h-sup.ct-minute·oedecs-e!eclroruc-<ourt-file-s.pdf
<hltp:I/lnpropc(inL~.com!OO-DO-OO-la-sup-ct-mi.nule--()cdcc-..c1ecuonic-cow:t-61e-sopdf> Judge Friednun did the

:mr.c regarding his ruling on Jan 30, 2008 - not tQ release any funds to Dcfcnd~nt - he fraudulently voided/dispo~d
of r~s own minute oeder wilh no notice or service 10 parties - (Exhibit page 183, <hte minutes entered. 00/00/(0)-
Att Kch"v2ni. for all U\c rcasoos above, you arc continuing co engage in conduct tIut upon review is likely 10 be
dceiTled of cruninal naturc.
Wil:>dr'Awai is demanded of any further action in Samaan v Zemik. as weU as response to previous demands for
mitiga.ting dalTl2~CS by p;l.ymem for unlawful occupancy and immediate vaC3ling of the property by 5:00pm on Wed.
No" 12, 2008.
Joseph Zcrnik
B Presiding Judge Stephen Czuleger & Clerk John A Cbrkc., LA Superior Coml
Nov 11,2008
,
Presiding Judge Cwleger. 21\.1 Clerk Clacke. All Bianco, Au Overton., Att DiCado; :
Pbie take notice or COll1muruClUons with An I<csh:tl':trzi wd odlcu in tllis c.nuiI messagc _
-n,c Presiding Judge and (he Cleek of the Court :/.tc negtigcor in allowing Judge Fric:dmw to proceed with hiS
wwngful conduct :15 2 presiding judge in S:tmun v urnik.
The Cou'rr:, Presiding Judge Cwlcger :lnd Ckrk Cunee also ..bdicate :lny noliOll of fuItherance of jllStice in their
<:onvnued refusal (0 rcs£X>nd to very basic questions undedying the frauds in Sanum v Zo:nik, and also in their
ongcing denial of :/.cccss to my own litigation records, per Nixon v Wa.mcr Communications, CalifornU Rules of
COUll, Rille: 2.400 er seq, etc, where rhe full 2nd direct cvidence of the fcauds resides.
I'rcsidingJudgc Czulcgcr and Assisunt PrcsidingJudge McCoy also bi.I (0 :tbKle by the C~fomi:l Code ofJudicial
Ethi<s Canon 30(1) (- cx.hibj( page 14) aftcc being reliably infocmed of conduct of judges :lod attorneys that viob.tcs
the Code of Ethics, they fa.iI to take any corrective :tenon so fat.
http://inproperinl2..com/OO,,()()..()(}-uw-c1_codejudicUCethics--OS-W-08-s.tx!f
<http://inproperinla..com/OO..(Xg)()-Iaw-c1_codejudici:lCethics..()8-09-08-s.pdf->
Nouce L' ~win detronded by the offices of the Presiding Judge ~nd Ihe Clerk 10 all involved by 5:00pm on Wed
No\'" 12, 2008:
1) Eilher th"llherc IS, :tllernauvcly, thaI the[e iso'lany valid duc Assignment Order in this case for Judge Fciedm:ln.
2) Either that thcrc is, alte£03uvcly, th11 there isn't any v31id, effcclualcnlcred Judgmcl\lof Aug 9, 2007 in this case.
hup://inproperinI3 .comj08-08-I 4,c:lJ..ct·app.2.mooon -lo-$uspcnd-appdl-w-elth-s.pd f
<hctp:/ finproperinl-:t.com!08-08-14 -a(·Cl-1pp.2.moUoo.lo -suspeOO-appe2l-w-exh·s.p<lf>
btlp:// inpropcrinb.co~/.OHC3ding.lS2-<:ooclusioD$·us-eOOsuluoon -non-eompliancc.pdf
<hltp:! i inpropcrinb..com/.OHeading.l S2-eonetusions.us-eonsotuuon·non-wmplUncc.pdf> 3) Eimer thallbc
G [~nt Deed LSsued by David P:lStcmak is, "llenulivcly - isn't valid l grant deed stemming (rom this asc.
huT''' /i<lpropcrinb..com/07 ·12-\ '/-opinion-!ettcr.fnud.in'gnnt-decds-s.pdf
<hup:/ /inplOpcrinla.com/07.12.I7.opinion.\etter.f£2ud-in-gnm..aecos-s.pdf> 4) Eimer Ihat the use as" whok is
:I v~lidSt:lte of Glifornia Iiligation,llltcmauvdy . mat il isn'•.
hup:/linpropcriola.com/OO-OO·QQ·I,,·sup-<:t-u.frauds.mediev:l!-s.pdf
<http://iopropcrinb.com/OO.QO·OO·b.·sup<t-b.-fr3uds-mcdieval-s.pdf> Noticc is also dem:loded by 5:00pm on

Wed, Nov 12, 2008, that access is :lllollled 10 e1ecllonic court records in Susta.in.
It is :llso expected thai the PresjdingJud~ immcdi~dy initiate corrective actions purwallt to the CalifomU Code of
Judicial Ethics and ootice parries of actions he is I.2king.
Joseph Zcrnik
C. M:\[[in Bcrg. Editor. Daily jourool

Controlling Put)' in Sustain
No~ tl,2008
Marlin Bcrg, r-:.ditor

Daily Jourml
Plca!;c t3ke notice of ocher U}J[ununio.tion~ in this Crrull message, :md refercnces ro rccords rll:at arc postcO online.
Puts'lam to your role 3S Editor of thc D:a..il.y Jourrul which in tum has coollol of Susuin, r "gain dClTUod YOlU
~cuon to mitigate damages: Conftrmation or deniAl of the V:WOllS fcatl1l:es of SusWo, the LA Superior Court
{r-auclulent a.se nunagemcnt system, which is an immuneo! of f~ud on Ihe 9.S million people rh3t this eouct claims
ta serve.
http://inrrop.~rinb..com/OO-OO-OO·compute[s-susbin-subsidU£}'-{)f-<iaiJy-joum:tl-s.pdf
<http://lJlptOperink.c.om/OO-OO.OO-eomputcrs-susI.2Ln-subsidiary.of-daiJY'loumal-s.pdf> Some:, but not ill

Susl.2in's fraudulent features 2re dcscrlb<;d in the attached record - unpublished rulcs of court and a.dvanced
:lrp~ocions of SLlSUin. PIc:>.Se confum or deny the: fe2t\L[CS ofSusuin listed there.
It is (,nly rCJ.Sonable 10 expecI some nouce 10 yOIU rea.ders :lS well.
Response dCllunded by Wed, Nov 12,2008, 5:00pm.
Joseph Zcrnik
__ ~_~_. _ _ . _ ._ _ w ~. .~ ~~ _ _ - - - - - - ... - .. - - - .
s
O. All D~l1jd P~s(crn~k

forme! President, "House ofJusrjce" . Bet T~edek
Nov 11.2008
Au David V2slcrruk
Past·:mak. Pasrernak, Patlon
Au Pasternak:
-nus is a rC["'3t demand lhat you immedialely withdnw the fnudulenl Grant Deed thaI you flied with the office of
Registrar/Recorder. imp:! linpropc rinla.com 107 -12·17 .opinion.lettcdraud-in-gnnt-decds-s.pdf
<http://inproperinla.eom/07 .12-t7-opi.oion.leucr-fraud-icL-g[~nr-dceds.s.pdl:>that you nouee the parties once
you have: done so, 2nd that you facilitate l1acating thc proPClty thaI you forcibly entered and fraudulently tunsfc[rcd
to S'llna:m.
Response demanded by Wed, Nov 12,2008. 5:00pm.
Joseph Zt.:rnik
E. All Sandor S.mucls, Mr Angelo M07.i1o - Officers of Countrywide

Me Samuds - also:ls former Prcsidenr:House of Justicc" . Bet T2edek
Nov 11,2008
Au Samuels and Mr MoziJo:
PIC2:iC finally answer the questions :lSkcd numerous times in the past:
1)Underwcicing Letter:
http://inpropcJiob.com/01-1 0-2G-doc-44-<:ountrywide-fr.lud-undclWocing-lctter.pdf
<htf[>:/ /inproperinla.com/04-IO.26-doc-«-<.ountrywide.f(1lud-undctwriting.!euer.pdf>
http://inpropcrin~=m/04-IO.2~-opil1ion-letter-coW1uywide-Ullde['\l ..citing-lctta:-oct.26%5Bs"loSD.pdf
<hltfl:/ /mpwpeonla.com/04-10-26-opinion-!elr.cc-<:oontrywidc,ul1<krwriling-lcttee-oct-2G%SBs%5D.p<lf> a) Was
the Lllderwriting !cuer that is posted online 25 indicated above., d:Llcd Oct 14.2004 or Oct 26. 2004?
1,) Was it :1 valid Countrywide underwriting Ictl<:r as p:ut of Sao~n's lo.n appliouon file in 2004?
2.) R.~ Propeuy Contract:

http:// inl'coperinla.com/04--IO-25-<1ac-4S.couotIywide-fraud-eontuet-t<xold.pdf
<http://Lnproperinluom/04-10.2S-doc-4S-<:oWllxyWide.fr:tud-contracl-ICcord.pdf> 2) Was it ever rcaived by
Countrywide San Rafael al 5:03pm on Oct 25, 2004. as CWmed?
b) If so, who w~s it SW[ [0 Countrywide bY:lt that dale and dl:lt time?
3) Was C.(luntrywid< enga~d in fr:lud in S:un:un v Umik?
Your rcspol15e is demanded by 5:00pm on Wcdncschy, Nov 12, 2008.
Joseph Zcmik
_. _ _ • • ... .~ • • r __
F. Au Alejandro Maforhs :lnd Au M:uk IG.mins

Officers of"House ofJwcicc" - Bet Tzakk
Aft I\byod= - 2!sO as co-signee of me Con.scnt Decree re: Civil Rights in. LA (2:2000cv11769)
6
Nov II, 200B
Atll<.:tmins and Ale M:lyorkas~
. arc there my dispule resolution byhws in the "House ofJusticc"?
Your response is demanded by 5:00pm on Wcdm::srby, Nov 12, 2008.
Joseph Zcmik
G. 'rhe Honorable Ronald George; Chief Justice, Californi:a Supreme Court

As Illember of the lcadership of LA Superior Court -1985, al the rime Sust1in was iHSbUcJ.
"the Hooorabk Ronald George

Chid Justice
(~Ijfornja Supreme Court
Honorable Justice George:
Review of yOIl[ officiJIl biogC2phy shows you werc in leadership positions in the civil courts of LA Su~cior Court
during or around the time when Suslain was installed ",1$ the use ffiaM.gement system. and !he public records !hal
ace the BooksofCoure were dimimted.
http://inpropcrinb.eom/OO-OO·OO-Jlldgcs-bio-mise.in fo.s.pd f <hetp:11inprope cinla.com/OO-OO·QO·judgcs.bio -mise-
info·s.pdr> - Exhibit pagc 1}
1) Would you ple:lsC rcspond willi:a statement on the record regarding youe wk, if any, in chis nuUer?
2.) Would you pl~sc r".spend with :1 statement on the record regarding !he notion dut Sust.ain is a (r~wdulcnt
computer system?
.3) If SQ. would you pl~s" rcspond with :a statement on the t<:i:ord r<::g-Jtding corrective action that you nuy initiate.
if :lny?
Response rCCiucstod by friday, Nov 14,2008, 5:00pm.
]os"l'l. Zc:-.mik
H. lbc HOllorable Gary F=. Judge, U.S. Di5lIict Coun, LA

Also· 15 O\'erse~ ofCiviJ Rights in LA per Consent Decru (2:2000cvlI7G9)
Also· 15 form~ Judge of LA Supc.rior C-Ourt
The Honor-.. blc Guy Fccss

Judg,e. U.S. Distnce COUrt, LA
Honorable Justice fees:
Revi.:w of your offici:l.l biogophy sbows you were in judge in the LA Superior Court during ye~m thar Sustain was
in us·c 25 the C3.SC m:llugenu:fIt sy>lcm..
http://inproperinh.colu/OO-OO-OO-judges-bio.misc-info.s.pdf <hnp:/ /inptoperinh.com/OO-OO-OO·~-bio-misc
iufo-s.pdf> - Exhibit pa~ 19
1) Would you please respond with a statecnrot oei!he record reguding youe use:wd knowledge, prior to this notice
7
of the ftaud~ in Sumin, during your servicc as judge in thc LA SUIXOor Court?
1) Would you please rcspond with a S{;l.cemtIu on the rccord tegarding the nooon th:1.t SvStlin is 1 fraudulent
computer s)'Stcm?
) If so, \IIould you plc~sc rcspond with a statcment on the record ccgmling corrective 1ction that you m:lY initi:ltc.
if all)'?
4) Would you pl<:;lsc (cview Ihe foUowing recotds cdattd to the conduct of yow: colleagues, Judge Vuginia A
Phillips :I.nd Cub Woehdc IN RE. Zccnik v Connor ct aL (2:200&v01550):
:1) Ltigacion with no Summons, where summons were ft1udulently issued by the c1c(k of U.S. District Cout[, LA,
who refuscd to sign valid summons presented by Naintiff. in vioblioo of dIe rulcs of coUIt:
http://inpcoperinb.comf.OHC2ding.1OO.w;-&isHt.b.void.lirigation.\V.no.summons-s.pdf
<hllp:! / iJlpropcrinla .a>m/.OHoding., 00 -us -dist-ct-b.void-Iitigation-w· no.summons-s.pdC> b) t\nnot~ted docket
of p....epotted litigation U\ Zemik v Connor et :ll.
http://inproperinl2.Com/.OHC2ding.,02-us-mst-ct-la -<!odcet.annouted-s.pdf
<htlp:llinproperinla.coml .OHodiag-l02.us4ist-<t-la-dockct.annolated·,.pdf> c) List of tc:corc!s bmed by
Magistratc Woehrle from filing through deceitful ~ of Diserc(l:lney Notices.
hup: I /inpropccinb.com/.OHcadiog" 03·us-dist-<I-b.pcrverled-us~-of-:disc~(l1OC)'-ootices-incompldepdf
<http://inproperinb.eom/.OHe:lding.I03.U$.dist-<t-b-pc:rvwcd-usc-of-<liscr.lpwcy-noticcs-incomplcle.pdf>
The discrcp:lncy noted in 1U such records is: May 15,2008 Minute Order by Judge Woehrle.
Upon (evicw of such rccords, pleasc iniwte corrective :lction, such :lS:
:0) i\ deda",ti()[l on Lhc record of to effect such as:
"l-itigo.tion ",hcrc no valid summons W2.S issued by the clerk, neithcr v.~ :loy valid summons servcd on defcnd,,"Is,
not .:ntcrcd in court, and where plaintiff W:IS bllred [IOm filing pape{') in court, is null and void, it never W~
litigation [0 begin wilh No need 10 dismiss such litig2tioo. since there W<l.S 00 litigatioo (0 be dismissed."
b) Notice (0 Ihe 3uthO.ilies, as you feclllecC$s1ry.
c) Notice to parties regarding your actions in thi~ rcg:trd.
Response requested by Friday, Nov 14,2008, 5:00pm.
Joseph Zernik
At 09:<17 AM 11 /11/2008, you wrote:
D('~r Mr. Zerruk:
Pl=e take noocc tll:lt tomorrow, November 12,2008, at 8:30 3.m. in Dep3rtmdlt Jof the Los Angeles
Superior Court in Sm~ Monia, phin tiff Nivic Satm:U1's counsel will :l[>pe1r ex pute to request '-II oeder shortening
time for the hearing on Plaintiffs morion for 1WlIrd of POSt judgment momey's fees. This application is based on
the f~cCt th:lt lhe uroest ebte available through the clcrk foc the hc::uing is in December llnd due to her £inanc~l
condition, the plaintiff necds the Court's ruling on this applio-tion:lS soon as possible. Please let me know if you
'intend (0 oppose our 1ppliotion.
'Dunk you for your :l([cnOOll.
Moe Kesluvani, £s<j.

Shepp1rd Mullin Richter & Hampton, LLP
B

Los Angeles, ell. 90071·1448
Direcl Line: 213-617-5544
I-:l.x: 2U-620·1398
Em:til: mkcsh:l.v:l.n:i@Shcppudmullin.com
5hcppacd MuUin <http://www.shepp:lrdmullin.com!images/smrhlogo-mini.jpg>

3D Soudl Hope Street
48th Floor
Los A ngcles. CA 90071 -11 ~8
213.620.1180 oHice
213.620.n98 £:ax
www.snepp:u:dmullin.com <http://www.shepp;udmuUin.com/>
Moe Kcshavau.i
213.617.5544dircctI2B,443.2910dirceda
MKesh:l.vuzi@Sbc:pp:u:dmullin.com I Bio <http://www_~hePp:l.rdmI.lUin.com/atlomcys-210.html>
Ciccubr 230 Notice: In 2ccordance with TrC2.Sury Rcgubtions \lie notify you that any t:ax advic", given herein
(or in :lOy 2.ltachmenls) is not intended or wctten to be used, 2nd cannot be used by :l.lIf l:l.lq>:tycr. for the purpose
of ((I :avoiding tax pCU2ltks or (u) ptOmoting. mukeling or recommending to another party any mns.enon or
m:l.Ucc addrCS5ed hecein (or in any all:l.ch~nts).
Attention: This mcss:l.ge is senr by a uw firm and may conbin infonnauon that is privileged or collfidenti:al
)f you received this mllsll\is.~ion in error, pbse notify the scnde( by reply c-mail2od delete the mcss1.l;e :and :any
atuchmcHcs.
9
: \
,J......
EXHIBITE
Joseph Zemik OMO PhD

ra~: ~3,iJl; g;~ :j:~' :';j~)" :L:2}.~·j~t:i:l~~ll.t~l( ~'(!t
N Judga shall bo faithfulta the law.•,•

c.ue--"'" ElIIin )(J{1J
.. The rule oflaw must never be confusf){/ with tyranny o( the courts"
Anon)'MOt"
Nov 24, 2008
All John Ambc~

Au Jellna Moldawsky
Bryan C.-dve. LLP
Bycmail
Time is of the essen£!!, pk2sc rcspond by Monday, No... 24] 2008, 5:00pm,
RE: Letter to llank of Amenca Corporation in RE: Jacqueline Connor and tile corrupt justice system of
LA County.
A. Request fOr confirmation of Dank of AmcriCll Corporation knOWledge and approval of your contil11.1t.'\I
fraudulent conduct and the fr:ludulent o::onducl of Countrywide Legal Divi.~ion in Samaao v l,crnik
(SC087400)
Il. Request for Bank of American assistancc in freeing those who were confimlcd inl\occntlJut framed in
tbe R:!mpart scandal
Alt Moldawsky. An Amberg:

I a1ll writing 10 in fonn ),OU ofmy Iener to Bank of America col'pOfation with the two following rcquest~:
A. Request (or confirmation orOank of AmcrKs Corporation knowledge and approval oftlle
continued rr.ludulent conduct or Attorneys John Amberg lind Jl."no:l Moldawsky (Bryan Cave,
LLP) as well as Ibe continued fnlUduleot conduct ofCoulltl)'Widc lq:al DivisioQ and Sandor
Samuels in purported State of Caliromill litigation Samun v Zcmik (SC081400)
Bank of America COrporalioo is asked to iMicale its knowledge and approval of your conduct. I need to be reo
assured exactly which entities you represent, and that socII entities are fully aware and approve of your conlinued
fraudulent conduct.
I) Pli'ase nOfiu me oflhe exact date ofdl(lJlge ofconlroi. ifallY. 10 Bank ofAml'rica Corporalion. ;Jlwhal is
nominal(v known as Samoon v lemik (SC087100).
2) Does COWlSd of lire Bank ofAmerica Corpora/ion know and approve ofyO/v par/icipalion, for a >'I'or
and a hal[. in abusive proceeditlgs that are nal part ofany reclJgniwble Siale afCalifomia [irigolioll or
any Olher legilimale legal process?
]) ~ Counsel ofllle Bank ofAmerica Corporation knOIV and approve ofYOIU" fraudulenl corrdllCl ill rhe
reunJ laking ofmonies in relatiolls!Jip 10 my email note?
Such monies Wefe pwportcdly held by Pasternak as my funds. which tiley ncvcr were. Pasternak never
had a valid appointment order, and he never exccuted My judgment, sincc there nevcr was any entered,
errCCluai judgment to cxecute in the first place. NcvcMeless. he engaged in conduct that must be deemed
ofcriminal nalure - committing first forcibleenlry into my property. and then fraudulenl conveyance of
tillc by tiling blalantly fraudulent grnru deed, lIS certified by decorated fBi agent James Wcdick ' .
1) Does Counsel ofthe Ban); afAmerica Corporalion know and approve afyour fraudulent conduct in yo/v
recenJ adioTlS. again o/./lSide any nonn ofdue process?
• Page 2J9 NO\lCl11ber 24. 2008
None of your rerords were cller aulheoticated. During this whole balilSSlllCnt campaign, you havc never
produced a single declaration by either Mozilo or Samuels to the effect that they have ever received any
communication from me. Therefore, your actions. all based on false anome)' Slatcments, ~k any legal
foundation. including the most recctlt ones.
Docs Counsc! of lhe Bank of AmeriC<! Corporation know and approve of such litigation practices as
perfonned on its behalf?
for the record - I again listed Angelo Movlo and Sandor Samucls in the a; list of illSlanl message. lwice
each! Please providc verified statement from each that I hey received instant email note, or for that maner
any cm."lil nole from me- ever....
5) Does CoulISclofIf,C Bank ofAmerica Corporation know and approve ofyour COn/hilledfraudulenl
i,.
sWlldards rela/ivl: /0 evidence roWinelyfiled courl wid. no oUllllm/ica/ion, ondaccepted as valid
evidence by (/,c colludillgjudges of"1e LA Superior COllrt?
TIlis category ofcourse includes most if nol all the records in Countl)'wide's subpoena productions in
what is nominally Samaan v Zemik (SCOS7400). where the rCllrcsentatiollS as to who n:ccivcd which
record from whom. and when. are almost univclQlIy fr.ludulenl. in \'iolation ofany "sound banking
priocip[c· - massive fraud on the U.S. govcrnment, ora this court., and OR me. oolhc people of CalifomiOl
and the u.s.
Obviously. soch were the standards of legal practice of Sandor Samuels and Countrywide. and they were
coordinated WIlh and welcomed by Judge Connor. as part ofcomtplion ofthe LA courts by Countrywide.
Elscwhere around the country they weI'C more critically roccived. as in Pcnnsylvania, January 2008, and
Dallas Texas, March 2008 - U.S. Judge Jclfl30hm opinion. previously scrvcrl upon you.
Again, please confirm !hat Bank of America/\ Corporation and its COUllscl know and approve of your
COlllillUl~ a~tionsin Samaan y Zemik (SC087400) based entirely on fraudulent subpoena productions,
produced by Sa:ldor Samuels and the legal Division he headed, five (S) times in a row between sumlllC>"
2006 and spring 2007, and including what mUSl bcdcemed hundreds of ptedlcatcd acts pcrRICO 18 USC
[961·196.11. if each of these fraudulent records is to be counled separately.
6) Does U:J.ulSel aflhe Bank o/A'7II:ricn Corporation know OJuJ approve ofyour con/irwed appearollce ill
court as "Non-Party" i" /lIC "noll.litigation" ofSamam, v ZemiJc , whilc court records give you olle ofa
doun dlanging designalions (p(ainliff. De[endafll. ",IUlle ~'er if designnJioll dll jour)?
[ generously suggesled in the pastlhal you be dcsignalcd •Judge" in this farce. please let me know whal
designation Bank ofAmerica Corporation and lis Counsel col\Sider to be your truthful designation here.
7) Does ColUlScl ofthe BOJVc ofAmerica Corporation mow llnd approve ofactions condUL,tcd in court on
their behalfas a wha(e. or in pari, in re: sallcliOI!S and OSC re: Conlempl and safleliom excecding
Sn.OOO, stan'lIg Jalll/Dry ZOO8?
TeeT)' Friedman, wilhout any assignment order. and wilh no authority as a judge. a Ocr disqualification,
dropped olfhis sleeve, at yourrequcsl a ruling that Connor's 1KJ11-existent order was in full force and
elfect. ex past facIo. Friedman also fail00 10 rcgiSIl:r lhal ruling, yet he used itlalcf in Febf\l3.l)' and Man;ll,
2008 ill absurd rulings, for further abuse..
8) Does COI4I!Sel oftire Bank ofAmerica Corporation knOIV QJld approve ofyorrr aclio/lS ill tlris nOli-
li/igalio" on July 6. Z007 - the d:Jrk cowl gag order proceedings. recorded as "proceeding 1I0t
recOrdCl/ "?
9) Does COlUlSei of/he Bank a/America Corpora/ion b,OW cvuJ approve ofyour continlledappenrllnce
before Judge Connor after she fraudulently r..efused 10 accept tiisqualificalion for a rouse orr July / Z,
ZOOT?
• Page319 NO\'eIllbel' 24,2008
10) Docs Cowue! oflire Balik ofAmerica Corporotion knOIV aruJ apprQve ofyour JIJy 2J, 2007 off Ihe
record~ proceedillg. where you providedmoving papers after opposilioll tkodJitlC. and where Judge
Cmlllor rccorded your proposedordcrs .. Denied", yer you claimed loler on Illot such order 1WU" issued?
II) Does COlUISel oflhe Bank ofAmerica CorporotiOtI know and approve ofl//C wrollgfuf appearance of
Jerola Moldawslcy;1l Summary Judgmelll hearing Aug 9, 200 7, a proceedingfully based 011 frO/dulell/
Countrywide records.fraud on lire COWl and aIle me by JI.1ge COIlIlor, All Keshavarzi. Country.vide.
SatlllJcLr. Moli/o. and Bryan Cave. LLP?
12) Does COU/lSei ofIhe Btmk ofAmerica Corporolioll b,ow alrd approlJC Judge COllnor's froudulclil &~ 1 f,
2007 mi,zulc order, lalCT Ihonllcr second disqllo(ificotiotl for a COllse, bac.1:-daled 10 Sepl 10, lOO7.
rccording n fictitiolls hl:aring Ifll11 hadnever been heard in realily. and a fU:litious ruling tfratfwd ncvcr
ruled ill reality -Ihallhere W~ nofraud in Cowllrywidc's subpoena records?
13) Docs Coullsel ofthe Bank ofAlllcrico Corpora/iolt k"o... alld approve olille fact thai Sheppard Mullin
and Keshovani go all submiuillg agoiJI alld again the fWO key froudulelll recordsfrom COUlltfJl"'ide's
fraudulent sub~na productions. w/rich were Ihe only purporlcdfOlUldatioll oftlrisfabricated fitigarion?
a ]11Cinvalid fraudulent Underwriting leiter of 0cl26, 2004) . Altomeys for Countrywide, Shatz
and Boeke. in MCd and Confer in March 2007, in response 10 my queslions, slaled lhal sueh
tCUer "''as never part ofllle loan file in 2004. TIle first and only liltle il was produced by
Countrywide was in April 2007, aner that Meel and Confer, in response to my demand for
explanation. And in lhal subpoena 100. illlcver appeared as an underwriting leiter from 2004, per
se. [I only appeared as part ohlle No" J-<i. 2006 KesnavarzilLloydIMcI..aurin eorrespond=,
which I deem procuremwl of perjury.
Yel Keshavani repeatedly filed it in court.. deliberately misrcprcscnting it as an authentic Ocl 14.
2004 ulldenvriling lener, withoul any authenticalion (Iik.e all other records), even after the change
ofconlrOl ofCounlrywidc 10 Bank ofAmerica Corporation. Nationally acclaimed fraud expert
Robert MeiSler confinncd the fraud in lhat misrepresenlation).
b. The fraudulent rcal pro~y conlraCt document· In open COllrt Keshavarzi admiUcd by now a
couple oflimcs that this record, was not what he had previously ddibcl7lldy misrepresented iliO
be. Countrywide deliberately misrepresented it in Mc13urin's fraudulenl dedaratiofls as well.
l1nJt record was never faxed from Parks 10 Counlrywide on Oct 25, 2004, at 5:0Jpm - a cenlral
claim in thc fraudulenl fabrication that was the whole basis for the summary judgmefll Instead.
on Octol>cr 25. 5:03pm, it was faxed from Samaan, in los Angeles, 10 Lloyd, in los Angeles, as
part of the massivc Counlrywide fax/wilC fraud scheme. This fulu<!ulenl rerord wa~ filed again
for a '"hearing" on November 21,2008, and )IOU were noticed of illoo.
r4) Does Counsel ofIhc Bank ofAmerica Corpara/iOtI know and approve ofthe fax/wire fraud and agree la
your conlillued parlicipation in this plVparted legal action based OIl slIch fraud?
Practically all n::rords in the Samaan's Counlrywide loan Iile lhaL appc<lf as fax transmissions from Parks
are p,'Ut of this fax/wire lTaU<!. In and oflhemsclves federal offenses, and predicated acts per RICO as
well.
IS} Does Counsel of/he Ba,1k ofAmerica CorpuratiOiI know alld approve ofLhefrauduleJrt Samoan 10011
applications (l/Id wrderwri/ing records and underwriting h~~toryas produced by COlDlcrywidc /..egaf
Division, led by Sandor Samuels. and as fraudulently misrepresented by Maria McLaurin in her
dedara/ions ?
Specifically:
• Page 419 November 24. 2008
a. Dol/b/1: "dale received" siamm: Sama.an·s LOJIl Applications bear double 5Dale Rcceivcd 5
stamps\ and fr.tudulent claims wete made by Keshavaro aoel Counlrywide that lhe loan
:lpplicatiOll5 were lim received OIlly
on Oct 12, 2004. while failing 10 provide any explanation w!lalS()(.'Ver for the second, earlier,
defaced Dale Received slamps. The data shows that by Oct 6. 2004 Diane fra2ier already
detecled and rcrorded !he fraud in Samaan's loan applications employment data That or ~c
would be impossible. unl= she used SOme ofSam3afl's psychic devises in the J'lC'Idicc of
underwriting.
Diane Fr.uier also COllfKlned Ihal fact 10 Ole in a phooc wll in March 2007 -lhatlhe 103n
applications were received [j~1 in Ihe li~1 week ofOclobcr. and only after she rc<:orded the fraud
(and failure to listclo.ing coslS, and failure [0 file a copy oflhc contract). and demanded new loan
applications. McLaurin. 10 spite Frazier. defaced d1e old Date Rc«ived stamps. and mn lhe old
applicatiOfls a second lime through Counltywide's imaging system. as if Ihey were new loan
applicatiOfls- McLaurin lhen had the second.latcr Slamps "C\X:Cived Octobef 12,2004 added to 5
•
these frdudulenl records.

b. fax/wire. (rDlut. Samaan's 103n applicalioo file, as produced by CounlI)'widc's Legal Division,
iochJded multiple records lhal bear allOllymous fa.x header imprints. with false date notations.
misrepresented as if they were the dates such rccon!s were received in Counl1)'widc from Patks.
In fact they arc all faxlrilllSmissions belween SamaMI and Lloyd, as p<lJ1 ofthc fax/wire fraud.
In fact, there is no data in lhe loon application flies lhat allows daling the arrival of such rcrorus at
Countrywide at all. and for lhal mailer -lIte rou(c orarrivaJ, which most Iikc:ly was as PDF
altachments 10 CRJaiis correspondence from Lloyd 10 McLaucin.
c. Omis~.f211 o[email corrcspondence [rom subpoenn productions.: Counl1)'wide fraudulently refused
to produce the email correspondence pettaining to these loan applications. and inserted instead 3
blank paper forms titled "<:.oncspondence Log. San Rafael Branch", Maria McLaurin in a phone
call in Ocrembcr 2006 cxplaiocd to me lhat il was done since the Legal Division. headed by
Sandor Samuels. ddemlined that email correspondence was not subjlX1lo subpoena productions.
Diane Fr.Wu staled that such foons "Correspondence Log, San Rafucl BranclI" had never bccsl
used in San Rafael atleaslas fur bad as 1989. her firsl year ofcmploymcnt in Countrywide, or 17
yC.1rs prior 10 thc dale oftile subpoenas. 11lercrore. [he production ofsuch records was a
delibcrale fulse and misleading production of legaJlbanking recoods.
'nlC reason the Legal Ocpartmenl exempted such email. from the production, was of course lhat
the records rcprcselllcd as arriving by fax, in fact arrived by email from Lloyd to Mclaurin at a
much laler dale than shown in dle fi Ie. for example, the real property conllact n::cord. falsely
represented as coming from Parks 10 Countrywide by fal{ on Oct 15. 2004, was never part of lhe
loan liIe a( least as latc as Nov J. 2004, as can be clearly dclennined from Ihe official uodCrwrlling
letters in tile same loan file.
16) Does Counsel ofthe BaliK o/America Corpora/iOIl know alld approve oflhe fraudulent Samoan loaTl
applications IQtderwrilillg Itislory as fabricated byCoWltrylViue Legal Di~isio,r, Sandor ,'ian!llel~. Maria
McLaltrin. Mohammad Keshavan.i. John Amberg. and Jenna Moldawsky7
While the fraudulelll contrac\((:cord was never part of tile loan fllc as laIc as Nov J. 2004, Country\vidc.
through McLaurin's fraudulent dedaralioltS, supported Samaan's fraudulent claims. fabricarcd in the 3-
way corrcspoll(lenc.c of November J~. 2006 bctweu. KesI1avarzi, McLaurin, and Lloyt-. Soch
fabrications were the foundation orthis whole farce of litigation in the State of California j~tice system.
Here are some ofdte facts and fraudulenl c1aims-
• Page519 November 24. 2008
a. The real propcrtyconlracl was fully executed by Joseph Zemik on SepllS, 2004,and its full
ex.ecution wa.~ acknowledged by Nivic Samaan on Scpll6, 2004 -Irue claim.
b. Samaan's loan applications arrived for lhe first lime in Countrywide San Rafael between Qc.[obcr
I and October 6, 2004 -true claim.
c. SanlaM's loan applicaliolU arrived for \he firsllimc in Countrywide San Rafael only on Oct 12.
2004 - fr.lUdulenl c!:Jim.
d. Such loan arpliC.llions included a copy ofthc real ptoperty controd - fraudulent claim.
c. The reason Salll33ll refused to submit a copy ofl~ eOl\lr.N:t for Frazier's review was thai Samaan
included in the conlrael provision for counling the commission as put of the doWTlpaYIllCl\1. Such
provision would have caused denial ofSamaan's loan applications in and of ilself - true claim.
f. Samaan's loan applications were suspended onOctl4, 2004 -Irue claim,
g. Samaan's loan applical.ions were suspended merely Mo days all.et their first arrival in
Countrywide· roudulent claim.
It llle reason for such summary suspension was lhallhe underwriler, Diane frillier deemed tile real
property contr.ICl nOI "fully executed" - fl1ludulcnt claim.
L The real property conlrncl was deemcd not "fully executed", as a result of missing verification by
Joseph Zcmik onlhe initial OffCf- foudulcnt cbilll.
j. The meaning ofthe condition sci by Dianc Frazier in the October 14,2004 Undcrwriling Leiter
demanding fully e>eccuted real property contract, and refusing 10 accept escrow leller as a
substitule was Ihar she asked for additional veri fica lion by Zcmik ofille real property conlracl -
fraudulent claim.
k. llle meaning oflhe condition sct by Diane Frazier in the October 14,2004 UndelWriling lener
demanding fully execuled real property contract, and refusing to accept escrow leller as a
subslitulc was lh;)t Smnaan ref=:d to submit aoopy of tile contract, and submifted instead invalid
escrow lellers ··Irue claim.
I. Thai condition, demanding fully CKCCUled real property conlract, was satisfied 00 Monday,
October 25, 1004, when the "fully eXCi:uted" contract arrived by fax al 5:03 pm from Parks 10
Counlrywidc San Rafael- fraudulent cl2im.
Ill. lmmcdialcly upon arrival of lhat fax from Parts on Qc.[obcr 25,1004, Samaan's 1030 applical.ions
wcre approved by Counoywide underwnler- frau.iulea! claim.
n. On October 25, 2()().1, Maria McLaurin displaced Ihe duly assigned uoderwriler, Diane Fr:vief.
and look over undCI"Wriling ofSamaan's loan applications, out ofcompliance and in violation of
lite law- true cbim.
0. On October 25, 1004. Maria Mclaurin had appraisal review ordered - true claim.
p. On Oe.t.ober 25.2004. Maria Mclaurin completed Bra'lcn Input, Ex.ujltion request and fOfWarded
it 10 DcmelrioGadi. Corporate Underwriting SUJlport -Iruc cbim.
q. In herUraneh Input, Maria Mclaurin fraudulcolfy lisled Samaan's income ar $4,000,000 per year
_. true claim.
r. In her flranch Input, Maria Mclaurin failed to include Clues analysis report- true claim.
s. Maria Mclaurin was not authorized to file such a Branch Input, it should have been moo by an
authorized undClWliter -true claim.
• Page619 Novembef 24. 2008
I. lJcmClrio Gadi' response 3fTived only 011 October 29, 2004 -true claim.
u. III hi~ response Gadi explicitly Slaled il did not constitUle approval- truc claim.
v. In his response Gadi demanded thai Samaan's loan appliC3lion be approved only after a valid
Clues analysis report was generaled - true claim.
w. In his response Gadi demanded thaI Samaan's loan applications be approved only allcr
undenvriting review by an authorized Branch Underwriter. nol by MeLuarin - true claim.
x. Closing in the real property contract was stipulated for November 1.2004 -lrue claim.
y. Appraisal review results arrived only on November J. 2004 -true claim.
z.. In underwriling leIter issued by MCUwrin on November 3. 2004, the real estate contract, as well
as olhcreonditions. wcrestilllistedas unsatisfied -lrueclaim.
;1;1. In lhe underwriting leiter issued by Mclaurin on November 3.2004. OrokerCertificalion of
Records was still listed as unsatisfied - true claim.
Lb. lllc Nov 3,2004 Underwriting l.elter was issued by McLaurin. not by a Br:meh Underwriter. in
defiance ofGadi's instructions - (rue claim.
ee. l1lCre is no indication in the 103n file that BrokCJ' Cc:nificat ion of Records was ever obtained-
true claim
dd. True Broker Certification ofRccords could never be obtained, since Parks. listed as the Broker 00
thc.sc loan applications. had IlOthing 10 do with this loan, as admilted by Samaan in her July 2006
deposition. He had never signed (he loan applications. and never approved the records forwarded
by Samaan 10 Counlrywide via the wirclfax fraud scheme in his namc - true cbim.
ce. In January 2006 McLaurin forwarded Sam33fl's l.oan Application for funding by Countrywide
Bank - (rue claim.
fr. In January 2006 Countrywide Bank summarily deJ1ied funding ofSamaan's foan applications-
true cl:lim.
17) Does COIl1lsel ofIhe Bonk ofAmcricn Corporatioll know <ll/d approve oflhe fraudllleni cloims by
COlUllrywide in 200617 - thai tllere were no imaging. securily, internal audil, external alldi,. regulatory.
or any olher reports rcl"rive (0 Samoans /raudulcnllooJl applicarions?
18) Does COIVUe! o/Il,e Bank of America Corporalion mow and approve ofthe deafll threal againsr me in
Mardi lOG7. by a person wllo represelliedIrimselfas doing il 01/ Cowlrryn-idc's beJralf. 10 intimidate me
from fur/her cOrtlmwlica(iOI\S willi Diane Frazier?
/9) Does Coullsel o[tire Bank 0/Americn Corporario/l kJlOw a,ul approve ofCOlwrywitJe's handling ofDialll:
Frazil'r~~ disappearance in March 1007, to avoid being served subpoelUl for deposition?
Oy phone Diane F'a7ic:r was willfully cooperative and helpful, albeit intimidated, repealedly warning me
that I had no e1tJ<: who I was dealing with. A fcw days laler. a IJCf$OO representing himselfas Mr Levine
answcred the door. and he claimed that she had m()vcd. But when I called. her last week, she was at the
s<lllle number and it was registered
10 the very same address.
Counlrywide's actions relalive to Diane Frazier, a leey witncss. cannot be deemed anything but a series of
predicaled acts per RlCO.
20) Does Counsel ofrhe Bank ofAmerica Corporation brow and approve ofCcWltrywidc's handJUlg of
Zemik's complairr/S /0 banking regulators. and are they familiar willI the handli/fg ofsudr complaints,
which is likely to be seen as dishonest?
• Page 119
3. In January. and later in March 2001 Zemik filed complaints againsl Countl)'wide Bank with
Office ofThrin Supcrvision., G1SC 1I05D7J 12007.
b. By April 16. 2001thc invcstigationofCounlrywidc!Jam: was complete.
c. Countf)'wide Elill1k was cleared of wrongdoing since it claimed that il would never have funded
Samaao's loan applications.
d. Findings ofOffice ofnuifl Supervision promplCd !hal office to submit i!5 own complainl againsl
CounlJywide Home Loans relative to Sama.an's loan applications to Office ofTrade Commission.
c. The initiallcltcr senllo Zemik by lllfift Supervision on 4fl(i107 rcfieclCd the lroc outcoene oflhc
invcstigation ··Ihat Countrywide l3ank was cleared of wrongdoing by c1aiminr,!hat it would nevcr
have funded the Samaan's loans. Due to either trvc ()( deliberate error Zemik was listed instead of
$:unaan as lhe loan appliGinl.
r. When Zemik n:qtJeslcd lhallhc leiter be corrected, a fraudulcmlcller was issued by OffICe of
Thrift Supervision, purporting to report the rcsulls or"furthcr inquiry".
g. llll: lrue fact of the malter is Ulal Counll)'wide consolidated regulation under Officc of Federal
Trade Commission by March 2001. Iherefore there was no further inquiry in Office ofThrifi
Supervision. .
h. In }uncJJuly 2007 the OffICe of Fedcral Trade Commission provided Zemik. with false allli
misl12ding respon5CS 10 requesl~ for in(onnation regarding the outcome of tile investigation of his
complainl against Counrrywide Home Loans.
i. Belinda Drter. Office of Federal Trade Commission [irst provided Zemik misleading informalion
-that \lIC complaint was fon~arded (0 the Fcrlcral Reserve for the invcstigation orCOUllll)'wide
1·lome Loans. (nc.
j. Federal Reservc ncvcr had any supcrvisory/regulatory aulhority relative to CQuntrywide Home
Loans. sucl\ authority was wilh Officc of fedccal Trade Commission.
k. In response to FIOA. Office ofTrndeCommissioo gCllcrated records that were especially edited
(nol redaded) and were nOllrue copies orille recmds.
I. Office of the Inspector Gcm:ral ofille OffICC ofFedcraJ Trade Commission was supposedly
running an investigalion into the adulterated records provided as FIOA response. But a year later.
no resulls of lhe i nvcsligalion into !he adulterated records provided as response 10 FIOA was
received
~am(10n v lernik and Judge JCJgJlJi!linc Connor
None ofwhal took place in this purported Statc ofCali fomia SUperior Court liligation could have transpired, had
it non been for Judge Jacqueltnc \..onnor·s corrupt cooduct in this case. The frauduleflt claims fabricated by
Mclaurin, KcsnavllI7.i, and Lloyd. could never fly by any reasonable person. They simply delied logic, they
contradicted !he rccofds in this case. The fraudulC11t claims had no support in any recoo1s from 2004 and We{e
CIItirely based 00 .he fraudulent dcclarnt"lons by Mclaurin., Parks, Keshavarzi. and Samaan. and misrepresentation
{)f fiaudulCIIl Countrywide I'I:COrds. Butlhc misrepresented Counll)'wide records were never authenticated. A
judge did nOl need to be a rocket scicl\tistto avoid lh~ fraud in the court room secn in this ease. Ajudge simply
had to rcasooably follow the evidence rode.
That Judge Connor was delibaatcly engaged in fiaud agail1S[ Zcmik in this case, in collusion with Kcshavarz.i and
Counrtywidc. is evident in numerous \Vays. The easiest way to demonsbale the coflusion in fraud willi
Keshavan:i is to review the fraud in extrneting sanctions monies from Zcmik in April-July 2007. when Connor
• Page 819 NovembeI24.2008
claimed in open coun that she would 5ign an order for sanctions, whidl she never did. The case relalive 10
<Aunll)'widc's gag order Oil July 23, 2007 was simply a repelition of Ihe same rraud rouline.
Judg<l Connor's ultcrior molive in perpetrating the fraud in Countrywide's records is best evidenced ill her
fictitious, frau-:lulent minutcorder ofScplIO,2001.
D. Request {or 25.Sist3ace in freeing thosc who arc falsely imllrisoncd in los Angeles County, aCler being
conlirmed as innocent bul framed in the llilmpart sondal ill "cstigafioDs, and in restoring public records of
the LA Superior Court in compliance wah lhe law.
Judge Connor's corrupt conduct as ~tibcd above should nol come as surprise 10 anybody. Similar conduct has
been described in IlJc criminal courts, relative to the convielion and long prison lerms of innocent people in
collusion with corrupl police who frame such people.
Judge Jactjucline <AmiOr is one of the judges nolarious for panieipaling in the rraming ofestimated thousands or
people in what came 10 Ix: known as the Rampart scandal. "is now 10 years after tlle scandal was first e"posed,
and some four or live col'nmissions investigaled Ihe matter. And yClnobody has a good CSlimate ofthc number of
poople Ihal well: scnlenced by such judges to long prison terms based on false leslimonies by colTUpl polire.
Judge Connor is probably lx::sl known for dCl'ailing the Rampart Trial of2000, by (evcning Jury conviction of J
oul or 4 corrupl police. Her conduct was the clear sign Ihat Ihe judiciary would 001 allow true invcstigalion and
resolulion of the ca\15CS of Ihe Rampart scandal.
Even the prisoners thaI were conlinned as innocent but framed in lhcse invesligation have never Ix:cn /Teed.
excepl for a small group. ofJess than 200. 11Ic latesl repoft·- OIue Ribbon Review Panel 2006 repon estimates
Ihatlhousands of innocent people are stiU falsely imprisooc<l, and it provides evidence that police, prosecutors,
and judges. prevenllheir rclC3SC from prison.
MoreovCl'. eare fiJI analysis of Samaan v Zemik. of the failure 10 free Ihose who were irulOCl:ul but f,dJl1ed, and the
dysfunctional officc orovcrsttr per the Consent Deere<: (2:2000evI1769) has once central key feature-the
denial ofaccess 10 public records thaI are the books ofcourt by \he LA Superior Collrt. Thai denial of access is
key feature of the COmJptiOll ofthc justice system in LA County, and il has been going on for over a quarter
century.
In the past year I have m3dc r<Xjucsts regarding [he opening oflhe public reeonts of LA County Superior Court,
which arc likdy to lead 10 the immediate rclcase ofthosc falsely imprisoned. Wilh assistance from U.S.
Congress, I received responses. which I deem inadequale from Mr Kenneth Melson, Director, U.S. ()cpartmcnt of
Juslice, and Mr Kenneth Kaiscr, Assistant Dircclor. fBI.
Any U.S. cilizen shoufd assume it his/her duty to stop the abuse ofllie Bill of Rights of9.5 million people who
live in LA County, the most populous in the US, by the LA Superior Court.
I intend to renew my dcmat\ds t.hat Mr Kaiser and Mr Mclson lake action to stop such abuse before !he end orthe
current adminislralion. I request Ihat as part of review of the posihon of Ban!< of America Corporation in Samaan
v Zcmik, lhe bank will also support the demands to <lpet'llhc pubHe recoo!s of the LA Superior Court, before Ihe
inauguration of the new administration. The impacl ofsuch 5implc ael on the quality oflhe justice system in LA
County, 00 freeing those falsely imprisoned, and the feclingoftru.~in govcmment in this county cartIlOl be
overcslimalcd. .
).~
Joseph Zcmik
CC: By email .
"Van Cleve, Peter D." <pdvanclevc@BryanCave.com>.sandor_samuels@counlrywidc.com.
angelo_mozilo@countrywide.wm, samuels_sandot@Countrywide.com. mozilo_angelo@counllywidc.com
• Page919
cc: By ccrti (jed mail with receipt
BANK OF AMERICA CORPORATION

100 NOl1n Tryon SI
Bank of America Corporate Center
Charlotte, Nooh Carolina 28255
Kenneth O. Lewis
Chainnan, Chi~f Executive Omcer and President, Bank of America Corporation
Keith Banks
President. Global Wealth & Investment Management, Bank of America Corporalion
Risk & Capital Committee and Management Operating Committee
Amy Woods Brinkley

Global Risk Executive. Bank of America Corpornlion
Ri~k & Capital Commit!CC and Managemenl Operating Commillee
.loe L. Price
Chief Financial Omcer, Bank of America Corporation
Risk & Capital and ManagCfOCOI Operating Committees
On SEC report. I\.-cent

TERESA M. BRENNER
As..'iOCiatc General Counsel
On annual share holder meecing announcements

William J. Moslyn 1lI
Deputy General Counsel
and Corporalc Secn1ary
On IO·k 11f07
Neil A.Cotty
Chief Accounting Officer
SEC Headq~e.rs
100 F Street, N~
WashingtOll, DC 20549
(202) 942-8088
hdp@sec.gov
DIvision of Banking Supervision and Regulation

Federal Reserve Bank of San Francisco
101 Market Street
Sall francisco, Califomia 94105
Mailstop920
Toll free: (&66) 838-9247
FAX: (415) 39)·1%2
.. Page 1019 November 24, 2008
And by email
OfficeorThrifl Supervision
San Francisco Regional Orlicc
Pacilie Plaza
2001 Junipcro Serra Bou(.:;vanJ, Sui Ie 650
Daly City, California 94014-1976
Tel: (6S0) 746-7000 x7098
Office Federal Trade CoounissiOll
Consumer Reports Ccnter,CRC·240
600 Pcnsylvania Ave
NW Washington DC 20580
Tel: I 877 382 4357
And by email
, James wedicl<5 opinion 1ctlCl in re: Pasternak's l<ludvlenl giant deeds

2 Fr3Udutent Counlly-Mde Oct 26, 2004 UodefWliling Letter. mistepleseoled as a V<llid Ocl 14, 2004 l)ndelv.ritiog Lel1er.
J Robert Meisle(s opinion reller in Ie: Co<rtJy\'.ide's fraudulent oa. 26,2004 Underwiling Lel1er mis~n!cd as being
faxed 0cl14. 2004,
• Fraudulert re3I property coolr3ct from CoonllywidG subpoena lX'odudioos, misreprcscoled as a fax lransmissioo from
Par\<s 10 CootllJywide on Oct 25, 2001. 5:03pm,
S sama<lO's Loan Appic:lIions (1003) v.i\h doWte dale received stamps, from CounItyv.ide's sutJpoena pIO(inion
... Nov 3-6, 2000 :>-way rorresponden<:e ~ Keshavam, McLaum. and Uoyd, IMJcre lhe fr.lu<lulenl un<lefWri1ing histOlY
of Samaao's Loan AppI'lC3OOns 0( 2004 was fabficated
iI
II
!
i
1
I
:
i
!
,
,
I
; 1
I
!
i
EXHIBITF
,
J
Page 1 of 1
Moldawsky, Jenna L.

Sent: Monday. December 08,20083:22 PM
To: 'Joseph zernik'
Subje';l: Representation of Countrywide
Dr. Zemik,
Please be advised that the status of our law firm as outside legal counsel for Countrywide
Horne Loans, Inc. remains unchanged by the merger with Bank of America, and that
we continue to represent Countrywide in connection with your litigation.
You are reminded that under the court's order, you are to communicate exclusively with
designated counsel for Countrywide and not with any of its employees.
John W. Amberg
John W Amberg
Bryan Cave LLP
Santa Monica, CA 90401
(310) 576-2280
12/1 1/2008
Joseph Zemik OMO P'nO

;"::' ~;:.)~. :!~~ •..: iJ:",·: ~.:.j.; ._~;;:.:a:':·:~.4~~~·t'n~ i:l~f
.. Judge sllJn be fairhful 10 the fi1w__ - ~

Cote- _ea.a W(V
"The role 01 laW must never be confused wicll tyranny 01 the coorts"
h~
All John AmbeIg

Oryall Cave. llP
OyEmit
'Am1Jecg. John W:
jwafT\be(g@8!YanC3ve.com
jenp.!!'1OklaI!Isky@bry3flCilve 00'"
sandor samuels@o:lunlTywjde.rom
~uels sandqr@CounIty!videa>m.
aogelo mozi!o@counltywide.())/ll.
m<pilo anqelo@g?unltw.de.com
nlaria "lI:laurin@roun~._Ql?In.
mda~ryMOOwnl
RE: Representation or Countrywide1 Counltywido Home Loans, Inc.? Bank of Amene<l?

Timely crime notification pct'SECnON 307 OF SARBANES..QXLEY.
Please respond by 5:00pm on SCpt 9,2007
Reg¥diog your emaa MIe. d>1ed Oe<rmbef 6. 2008. copied below. please be expIic( am provi(le the kJlliJMog details-
1) Ale yoo and 8fyan Cave registered as cvtside COUfIsel by 1he legal O<.>partmenl d BafIk 01 Americ3 al present?
Please let me !<now...mal yOOf LegalMalter NUmber ("LMN" is. which was provided 10 you by lh<l80A.legal
Oepa/tJl"lCrl? AbSCOl such identification number. or any otIiciaJ reoo<d by \he entily you claim 10 rt!jX'IlSCl1l1 must
assume your note. copied be1oN. is ftaud. as SlJI'elywoUd arry counsel reading such a deliberately ambig<JO'JS nolo.
m'
IN IU OOSES. 0UT5lOE CXlUr.se. IOUST oon_PIl>OlI ~ mou A llEPAA~ IITTQf<N;Y 1lEf0l1l0 I/lCUUllNG
SIGHflCANT F'££S OR OPENS£SONA.....1TER."""""",,, ACl\ON S££lOriG fJ( ffi.llllIlI)(AAn' R[>lW!ESOll RflJEI' SOUGHT
ON lliYf( OF A&Al:IllCA'S OCIW.f.l.«l€RTNONG Rf~;'ncwoM;A.vr¥:>N« f'OS!)lli' COHIlJCr Of NtfRl'ST' OR
MOCEOOINGYAn IH<Y...ff'fRfllt""-"'G ASl(".l.lfICN<T l£GAl.. RffiUATOIlV_ PR£C£Df.HllJll. 00 A{f'If\'AIlONAI. illS!< 10
TlJ'H(O'~
2) Is the legal Dcpolrtmentor Bank 01 America at all aw-dfe 0( II'e flaudulenl itigation you <lrc condUC\Jfl9 here undcf
their name?
J) If ool by whOSe authooiy are you al preseol engaged as "outside legal counselor CoonlJywfeic Home Loans,
Inc"7
4) If\IhaIIS the legal rO<Jfldatiorl fur your darns beloW?
5) What is "(he Court's ordd7 p1e.7ls~ be explicil..
6) CooId you please notice me or !he pi,KPOrted ·Court's order" you 3m referring to? Absenl such notice. your email
beIQw is null bul yet anolJlef fraud in lilts dIain...
7) V~1O issued sudl court order. 1Mlen. aM UIlder what <Mhorily?
8) How come the purported aJur1 ooler mfers 10 ·Counsl'! (or CountIywfM? Whal entity IS that supposed to be?
9) Y\Iho are the emplO\'ees or that undefned efltily?
10) Could yOlI please provide a list, so that I knoN....t1o I purportedly am prohibiled from crnllTlUl'"l<:a~n!l"";lh?
a. Is $ando( S3muel an EJnpIoyce of Bank of America at present?
b. Is Angelo MOlilO employee 0( 8<lnk of America at ~?
c. Is Diane Frazier employee or Bri or America at present?
d. Is Maria MclaUlin employee of Bank of America at present?
11) v.1lat is "your litigation"?
.Page2J2 Decembef 9. 2008
In case you refer 10 Samaan v Z~milc. please be explicit the La Svperiof Court woukl not confirm "Samaan v Zen-.'l<'
as Cali/ornia Superior Coul1 case .. and all ildica'oos are lhat l!'is is ~ "£ntefJllise Ttad<" case. engineered by
Jaa:jUeIine CQMOI and $ando( Samuels for fun and profil In sud1 case y(NI note bebH is 3llOh!r predicaled
case of intimidalionlhafassmenl of a vidimlinfoonerMtm;lIe-lllower.
12) How long do you Ihink you could qo on ~ \his fraud7
13) Do ~ represent S3ndor S;:Jmucls?
1'1) Please on behalf of SandQ( S3muels. M1enlicale C( rcpudia!p. as fraud V'C l!ndelWTiOOa lel1er daled October 26
:lOO<I. v.flidl /las been repeatedly filed in 0CIUIt flllUdtknlly mlYCjl(esented by Maria Mclaurin. Samaan.
j(~V3fZi. CW1d Pat1<s. as an Undel'Miling let\er ot QdolJer 14. 2004. ()( mid-<K1Obef 20047
15) Please on behaW or San<loc Samuels aulhenticate ()( repudiate !he Real Prooeqy f'u!dlaSC eootract. \'Alidl has
been repealedly 6led in o:JUrt nuclulenUy misrepresented trI Maria McLaurin. samaan. Keshavar2i. and P<JI1<s. as
faKed 00 October 25.2004. 5:03pm from PiJI1ts 10 ~7
16) This is almOSt lhe end of Ihe quarter, ar.d for many <XIl]lOCalions also the end of I/le 6scaI yeal. in case you ar~
reIaine(l as Wsidc counsel to any olher (X)(JlOOIte enlity. please conllIm ywr compliance"';l11 1" CFR 205
{otherwtse I<tlo'M1 as 5eaion 307 of Sart>anes-DxIey}. rclalive 10 lhe frauds perpelJaled by you• .lenna Mol<law$kY.
saodor S<Mnuels. Angeb Mozilo md Olhers. 1JI'lde( flu gU5e of Iiligalioo. and collusion wilh Terry Friedman. John
Segal. J~ine Connor ana otlefS in abuse of c:M rights under cx:Ior ofla'" 18 U.~...§.242. as well as various
predicated acts per Rioo 18 USC § 1961-1968.
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_sECl1ON:tJIOf Il<E ~l<I.£Y N:'.
17) In case this rommUf\italioo is received by email by 8!foJ of the llU'POI1ed employees. cnuId you please aulhenlicate
such communica~()/'\. iodudifl91he email address<ltv.hichsuchrommunic3tion(s)werereceived.soltlat 1may stop
making them up?
Joseph Zemik
lJOIanoo@lasupel'iorrourtorg. "l eel Max"<lmax@~n.com>. 'Van Cleve. Peler 0."

~pdY3fldeve@BlyanCave.oom>. SOYClIoo@cmda-lw.rom. kdicaclo@cmda-law.com.lfri€Qrnan@lasupcrioroourtory.
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Page lof1
From: joseph zernik tiz12345@earthlink.netl

Sent: Tuesday, December 09. 200811:36AM
To: David J. Pasternak: MoIdawsky. Jenna L
ee: sandor_samuels@counCrywi<!e.com: samuelS_sandoc@Countl)'Wide.com;
angelo_mozilo@courltrywi<!e.com: mozilo_angelo@counliywide.com:
maria_Mclaurin@countrywide.com; McLaurin maria@courll/)'Wide.com;
bbiallCO@lasupeoorcourt.org; Ted Max; Van Cleve. Peter D.; soverton@unda-Iaw.com;
l<,dialrfo@Cmda-law.rom; tffiedman@lasuperioroourt.org; jsczuleger@lasuperiorcourt.org;
jclar1<.e@lasuperiorcourt.org; jciarke@lasuperiorcourto€g: scz:uleger@lasupenorcourt.org:
Jconnor@lasuperiorcourt_org; jsegal@lasuperiorcouc1.Ofg
Sublect: Transaction for - S7,OOO transferred by Pastemak to Moldawsky. Response requested by 5:00pm
December 9. 2008
[icc 9. 200B
[Iavid J. Pasternak
J'~nna Moldawsky
FE: TnnSliclion for-S7,OOO transferred by Pasternak to Molda,vsky,

Resp(tn~e requested by 5:00pm December 9, 2008
Mr Pastemak. Ms Moldawsky:
I recently receivcd a Ictter describing transaction whcre some $7,000 were transferred by Mr I'astcrnak
In Ms Moldawsky. For clarification for me and for others:
I) What was the exaet identity of the entity who was providing the funds?
2) What was the exaet identity of the entity receiving the funds?
3) What was the exact rcason for the transfer of funds?
4) Why was I copicd on this transaction? was it related to me in any way?
5) Was it related in any way to Mr Sandor Samuels?
6) Was it related in any way to Judge Tcrry Friedman?
7) Was it related in any way to Judge John Segal?
8) Was it related in any way to Judge Jacqueline Connor'?
Joseph Zernik
12J1Of2008
EXHIBIT I
: ." ,:>.:.. .
Page I ofJ
From: joseph zernik UZ12345@earthhnk.netl

Sent: Tuesday, December 09.20083:27 PM
To: Mohammad Keshavarzi: Paul Malingagio; Ted Mal(
Cc: sandnU;';lmuels@count/ywide.com: samuets_sandor@CounltyWide.com;
angelo _mozilo@counlcywide.com; mozilo_aogelo@countrywide.com:
mari3_Mclaurin@counllyWide.com; bbianco@lasuperiorcourt.org; Ted Max; Van Cleve. Peter 0.;
soverton@cmrla-L~w.com:kdicarlo@crlllla·law.com: tfriCdll\<lIl@lasuperiorwurt.org:
ISCluleger@lasuperiorcourtorg; jclarke@lasuperiorcourt.org; jclarke@lasuperiorcour'torg:
Jconnor@lasuperiorcourt.org: ;segal@lasuperiorcourtorg: David J. Pastemak: John Patton:
Amberg, John w.: Mok:lawsky, Jenna L.; todd_Boock@Counlrywide.Coma: attention Mayo:
attentioll Mayv. ~ltention Mayo: amayorkas@omlll.Cl.l1II
Subject: REPEAT FILING OF OFFENDING FRAUOULl:NT RECORDS IN COURT. YOUR RESPONSE
REOUESTED BY WED, DEC 10.2008. 5:00PM. Notice of start of Safe harbor period per CCP
128.7
December 9, 200R
Mohammad Keshavarzi
Sheppard Mullin, LLP
RE: REPEAT FlLlNG OF OFFENDING FRAUDULENT RECORI)S fN COURT.

RESPONSE RRQUESTED BY WED. DEC LO, 2008, 5:00PM.
Notice of start of Safe Harbor period per CCP §128.7.
Mr Kcshavarzi:
You recently scnr me copy of papers you filed in court under the name of Sheppard Mullin, LLP, for
morio!) 10 establish recovery 1 scheduled for Nov 21,2008.
II No signatures were visible on my copy. [request that you forward to me copy bearing your visible
o.:iginal signatures. In case the copy you filed in court docs not bear your signatures, and you choose to
keep that paper Eled, I rcquestlhal you correct that situation expediently, othenvise please withdraw
such papers, and notiCe me accordingly.
2) Your must rci.:~nl papers again included records produced in subpoena by CountrywiJt:, which were
the core of this ligation. I complained in the past thaI suell papers constituted fraud on numerous
accounts. Such records were repeatedly fraudulently misrepresented by you as the product of fax
transmission from Victor Parks, loan broker, to Countrywide San Rafael. on Monday, October 25,2004,
5:03 pm-
3) In fact. as made clear by Ms Samaan in her dcposilion, Mr Perks had nothing to do with any of il
A nong other umpleen frauds, throughout the lransaclion in 2004, Ms Sarnaan impersonated Mr Parks in
fax. communications_ This record was no exception.
4) This record also was never received by Countrywide on the dale and time indicated above, as you
mlsrepcesented in court. In facllhe transmission that generated that fax header imprint was from
S~maan in Los Angeles to her husband in Los Angeles. 1 went through thaI issue in depth among other
0fportuoities, on august 9, 2007, in open court. .
1~/1012008
Page 20D
5) You have never provided adequate autl1entic:ltion of Ihat record when you introduced it as evidence.
and I liled for sanctions againsl you per CCP § 128.7 for filing of fraudulent records in court.
6) To avoid Ihat hearing, you scheduled in conflict another "hcaring as you fraudulently called ii, wilh
h
retired Judge O'Brien, who had no authority lit all to hold any "hearing" of any kind.
7) This court refuses to even confirm that Samaan v Zemik was ever a case of the Superior Court of
Ollifornia. Regardless, you were fully aware thaI such records were, are, and always will be fraud, and
therefore any purported order, decree, judgment, or any other outcome of such litigation was is, and
always will be null and void.
&; In the most recer\! papers you omitted lhe fraudulent trartSmittal cover sheet. Regardless, this record
is the producl of fraud, and it was in!roduced by you as part of fraudulent evidence.
9) Thc.reforc, [ requestlhat you immediately remove this record from your most recenl pending papers.
II}) Therefore. I also request that you submil a request for a !Junc P19 tunc; order:
a:l to mark all inslances where such paper appears in Ihc court file as instances of fraud.
0110 vacale all orders, decrees, judgments that were based on such fraudulent real estale contract record.
l~) Please consider this notice per CCP § 128.7 for start of Safe Harbor period.
MJ.~.J~SHA VARZi & MRJ0.ALlNQAGiO: RESPONSE REQUESTED BY WED, DEC 10,2008,
5:00PM.
II) This message is copied 10_AU Jolmj~Jn~rg and AU JeM;!. Moldawslc'l. who claims to be authorize
II) represent Countrywide Home Loans, Inc, a subsidiary of Bank of AmeriC<!. Counlrywide Home
Loans, Inc too is requested to file request in court for the withdrawal of such fraudulent records
produced by Countrywide Home Loans, Inc as part of subpoena productions that were replete with
f :"lludulcnt records, and which tried 10 entirely fabricate Samaan's fraudulent loan applications
underwriting history.
~1fR AMBERG AND M_s.Mfrl-DA WSK.Y: RESPONSE REQUESTED OY WED, DEC 10,2008,
5;OOPM.
12) This nolice IS also forwarded to Au Todd Boock, Countrywide Home Loans. Inc, who was part of
t'lClearn under Mr Samuels, WllO devised the subpoena fraud in 2006. and repeatedly provided
fraudulent responses to queslions in Meet and Confer in 2001, then claimed religious observance to void
3ppcarance in motion to compel. Mr Boock is requested to aUlhenticate Ihe rcal estate contracl record,
otherwise, 10 withdraw it from the record, and with it the entire countrywide fraudulent subpoena, and to
notice the parties and the court accordingly. Mr Book is according to Bank of America Office of
General Counscl ~h~ onl~ authorized to represent Bank of America Corporation. That office had no
record of Bryan Cave U.P as authorized to reprcscflt Bank of America in this mailer.
MRJKtO.K: RESPONSE REQUESTED BY WED, DEC 10,2008, 5:00PM.
13) This notice is also forwarded to:
M.L]',mQthy J. MayoP.Qulos-,- Executive Vice President and General Counsel
Bank of America Corporation (Bank of America)
Loo N Tryon St
HCI-OOl-56-II
Charlotte, NC 2&255
Phone: (104) 386-7484
Fax: (704) 370-3515
1211012008
Page] of]
Wi!h the demands:

a) that Bank of America corporation put an end 10 Chis fraudulent litigation and farce of a cour(,
prcgressing in its name in the past six month:;,
b) i:hat il withdraw the fraudulent subpoenas produced by Sandor Samuels, Todd Boock and their
colleagues in the COITupt Legal Division of Countrywide ,
c) Lhat they take action to mitigate damages,
d) lhallhey report in the quarterly report for Q-IV 0[2008 such material deficiency - the compromise of
the legal tcam of Bank of America Corporation resulling from incorporation of tbe Legal Division of
Countrywide Financial Corporalion lo its ranks pursuantlo
Section 307 of Sarbancs-Oxlcy
Since material viGlation of law has occurred, is occurring and is about 10

occur again, as sct forth in ~ruutJO]_9f lhe Sarbilnes Oxley Act of 200~
and the SEC Rule promulgated there under (17 CFR 2OS). the general
counsel must inform his superiors and the authorities. This notice may lJe
in any form. but should conspicuously stale that it is being made under
~Qn 307 of the Sarbanes-Q.!kY.&t.
MR Mf....Y_Q_e.-OlJLOS.: RESrONSI<: REQUESTED BY WED, DEC 16,2008, 5:00PM.
Joseph Zernik
Fax: 80 I 998 0917
Td: 3104359107
Additional documentation, including fraud exp€rts opinion letters £.e: fraud in this litigation can
1Jl~ viewed at:
b!!Q.;/jinproRerinta.com(04- t 0-26--<10(-44-eountrvwide-fraud-underwritinq-letter.QQf
ht!Q.;/jinproperin[a. com/04 -10-26-opinion-Ietter-countrywide-vnderwriting-Ietter-oct-26-s.pdf
!JI!Q.;/Jinpro~erinra.com/04-09-07-sqmaan-s-pr~ualification-1etter.pdf
b!tp_:1JinPl..o~rinla.com(04-09-07-opinlon-letter-rraud-in-pregualificaiQn-letter-s·Rdf
b!j,Q;LJj[lpwerinla. com/04 -09- 27_-.!!~-.:W-sa maan-fraudulent-Ioan-applications-s. pdf
b)!P..Jlinproperinla.com/04-09-27-sarnaan-coullffi'Wide-fraudulent-loan-application.pdf
b!!p.,;jJi.!JQrQOOinla.com/04-09- 27 -opinion-Ietter-fraud-in -loan-aQPJLcalions-siQnature~f
i1[ffijJlnP~rinla.cQm/04-1 O-18-wire-fraud-pl.pdf
ht1P..;L/.iImro~rinla.com/04-1 0-18-9-emails-in-re-wire-fax -fraud .pdf
bttp :lli(JP.~o.p..€![lIJIQ,f9.m104-1 0-25-(auntrywide-adulterated-branch-input-exception- request~
s-llili
bi:t.Q.;l.li!:1m:!merinla.cQ.m/04-1Q·25-doc-'15-eountrywide-fraud-eontraet-record.pdf
bttP.:/linproDeJin~a.com/04-10-26·countrywide-fraudulent-u~erwriting-Ietter-s.pdf
bllilJ1lJt,proDennl3.com/06-07-10-samaan-depQsition.pdf
bt!P--11.ID.QI:Qperlnla.mm/07-02-0a-countrvwide-fraudulent-SJJbpoena-produetiQn-c-s,p4f
bnp-1li!!P~rin@mrnl06-11-09-doc-38-1-countrywide-mdaurin-false-declarations.pdf
b~1!.I}Dmperinla.com/06-11-09-d0( -38-2-<:ountrvwide.-mdaurin-false-declarations. pdf
bt!P,j1iill2roperinla.CDm/07-o6-20-bet-tzedek-web-llilg~-with-samuels·before-letter.pdf-
Samuels - the fraudster as "fraud buster" .
1211012008
EXHIBIT J
..
i
From: Amberg. John W.

Sent: Tuesday, December 09. 2008 11:45 AM
To: 'joseph zernik'
Subject: RE: Representation of Counlrywide? Countrywide Home loans, loc.? Bank of America?
Timely crime notification per SECTION 307 OF SARBANES-OXlEY, Please respond by
5 OOpm on Sept 9. 2007
Dr_ Zernik,
As you \\leU know. the superior court's protective mcler dated July 23, 2007 ordered you to communicate exclusively
with 'Clcsigm.ted legal counsel for Countrywide. and not with any of Countrywide's employees. Following a hearing
in March 2008, the court held you in contempt of court for multiple violations of the protective order, and affirmed
that the ord,~r remains in effect. As a result of your continuing violation of the protective order, and foUowing
notice to yOLl, s:loctions of $7,500 were paid to Countrywide in November 2008. If you persist in violating the
order, we wJI exercise all available remedies, including but not limited to a new fmding of contempt and additional
sanction:;,
Cou(\trywid~ is affiliated with Bank of America. You :lre directed not to communicate wilh employees of
Couotry'.llid ~ or it... corporate affiliates. YOllr communications should be exclusively with couosel of record, Bryan
Cave LLP.
John W. Amberg
Bryan CIVC IJJ>
-----Origina: Message-----
From: joseph zClOik [mailto:jz1234S@earthlink.net]
Sent Tuesday, December 09,200810;28 AM
To: Amber~:, John W.; MoJd:nvsky,]enna L.; ~ndocsamueJs@couou:ywide.com;
samuels__sandor(.!!}Countrywide.com; angeJo_mozilo@countrywide.com; mozilo_angclo@countrywidc.com;
Irulria_McLlurin@countrywidecom; McLaurin_fTl:lria@countrywide.com
Cc: bbianco@lasuperiorcourt.org; Ted Max; Van Cleve, Petcr D.; soverton@cmda-Iaw.com; kdicarlo@cmda-
law.com; tfriedmao@lasupcnorcourt.org; jsczucleger@lasuperiorcourt.org; jaclarkc@)asupcriorcourtorg;
jdarke@.!asllpcrlol:courl.org; sczuclcgcr@lasupcriorcourt.org;jconnor@1asupcliorcourlorg;
jsegal.@bsujJcriorcourLorg
Subject: Representation of Countrywide? Countrywide Home Loans, Ioc.? Bank of America? Timely crime
notifi.cation per SECTfON 307 OF SARBANES-OXLEY, Please respond by 5:00pm on Sept 9,2007
For your inJormation, please see attached.
1
Page I of 4

Sent: Tuesday, December 09,20086:36 PM
T,,: 'joseph zernik'
Subject: RE: REPEAT FlUNG OF OFFENDING FRAUDULENT RECORDS IN COURT. YOUR RESPONSE
f~EQUESTED BY WED, DEC 10.2008. 5:00PM. Notice of start of Safe harbor period per CCP
128.7.
Dr. Zernik,
Your email is improperly addressed to employees of Countrywide and its corporate affiliate
Bank (if Ar:1erica. As I plainly advised you earlier today, not four hours before you sent this
email, you are to communicate with me or other counsel of record from Bryan Cave LLP, and
not witl-t employees of the company. Your continued refusal to comply with the terms of the
court's protective order is contemptuous and sanctionable.
John W. Amberg
Bryan:ave LLP
From: joseph zernilc [mailto:jzl2345@earthlink.netJ

Sent: Tuesday, December 09,20083:27 PM
To: Mohammad Keshavarzi; Paul Malingagio; Ted Max
Cc: sandor_samuels@countrywide.com; samuels_sandor@Countrywide.com;
angelo_mozllo@countJywide.com; mozilo_angelo@countrywide,com; maria_McLaurin@Countrywide.com;
boianco@lasuperiorcourtorg; Ted Max; Van Oeve, Peter D.; soverton@onda-Iaw.com; kdicarlo@cmda-
law.com; tfriedman@lasuperiorcourt.ofg; jscruleger@lasureriorcourt.org; jclarke@lasuperiorcourt.org;
jclarke@lasuperiorcourt.org; Jconnor@lasuper1orcourt.org; jsegal@lasuperiorcourt.org; David J. Pasternak;
John Patton; Amberg, John W.; Moldawsky, Jenna L; todd_Boock@Countrywide.Coma; attention Mayo;
attention Mayo; attention Mayo; amayorkas@omm.com
Subject: REPEAT FILING OF OFFENDING FRAUDULENT RECORDS IN COURT. YOUR RESPONSE
R:QUESTED BY WED, DEC 10, 2008, 5:00PM. Notice of start of Safe harbor period per CCP 128.7.
December 9, 2008
fvlohammad Keshavarzi
S'leppard Mullin, LLP
RE: REPEAT FILING OF OFFENDING FRAUDULENT RECORDS IN COURT.

RESPONSE REQUESTED BY WED, DEC lO, 2008, 5:00PM.
Notice of start of Safe Harbor period per CCP §128.7.
Mr Keshavarzi:
Y:>u recently sent me copy of papers you filed in court under the name of Sheppard Mullin, LLP,
for motion to establish recovery, scheduled for Nov 21,2008.
I) No signatures were visible on my copy. [request that you forward to me copy bearing your
visible original signatures. In case the copy you filed in court does not bear your signatures, and
y<'u choose to keep that paper filed, I request that you correct that situation expediently, otherwise
12/l1/2008
Page 2 of 4
please withdraw such papers, and notice me accordingly.
2) Your most recent papers again included records produced in subpoena by Countrywide, which
were the core of this ligation. [ complained in the paslthat such papers constituted fraud on
rturnerous accounts. Such records were repeatedly fraudulently misrepresented by you as the
product of fax transmission from Victor Parks, loan broker, to Countrywide San Rafael, on
\1onday, October 25,2004,5:03 pm.
3) In fact, as made clear by Ms Samaan in her deposition, Mr Perks had nothing to do with any of
it. Among other umpteen frauds, throughout the transaction in 2004, Ms Samaan impersonated
1\!1r Parks in fax communications. This record was no exception.
i~) This record also was never received by Countrywide on the date and time indicated above, as
~rou misrepresented in court. In fact the transmission that generated that fax header imprint was
from Samaan in Los Angeles to her husband in Los Angeles. I went through that issue in depth
~ mong other opportunities, on august 9, 2007, in open court.
:) You have never provided adequate authentication of that record when you introduced it as
evidence. and I filed for sanctions against you per CCP §128.7 for filing of fraudulent records in
court.
6) To avoid that hearing, you scheduled in conflict another "hearing" as you fraudulently called it,
with retired Judge O'Brien, who had no authority at all to hold any "hearing" of any kind.
7) This court refuses to even contian that Samaan v Zcmik was ever a case of the Superior Court
ofCalifomia. Regardless, you were fully aware that such records were, are, and always wilt be
fiaud, and therefore any purported order, decree, jUdgment, or any other outcome of such
litigation was is, and always will be null and void.
8) In the most recent papers you omitted the fraudulent transmittal cover sheet. Regardless, this
record is the product of fraud, and it was introduced by you as part of fraudulent evidence.
9; Therefore, I request that you immediately remove this record from your most recent pending
p~lpers.
10) Therefore, I also request that you submit a request for a nunc pro tunc order:
a) to mark all instances where such paper appears in the court file as instances of fraud.
b) to vacate all orders, decrees, judgments that were based on such fraudulent real estate contract
re,;ord
J0) Please consider this notice per CCP § I28.7 for start of Safe Harbor period.
~R I\.ESHA VARZi & MR MALlNGAGIO: RESPONSE REQUESTED BY WED, DEC 10,
2008,5:00PM.
11) This message is copied to All John Amberg and Art lenna Moldawsk)', who claims to be
aUlhoril-e to represent COlilltrywide Home Loans, Inc, a subsidiary of Bank of America.
Countrywide Home Loans, Inc too is requested to file request in court for !.he withdrawal of such
fraudulent records produced by Countrywide Home Loans, Inc as part of subpoena productions
that were replete with fraudulent records, and which tried to entirely fabricate Samaan's fraudulent
loan applications underwriting history.
MR AMBERG AND MS MOLDA WSKY: RESPONSE REQUESTED BY WED, DEC 10,
12'11120i)8
Pagc 3 of4
2 1}08, 5:00PM.
U) This notice is also forwarded to Au Todd Boock, Countrywide Home Loans, Inc, who was
part of lhe tcam under Mr Samuels, who devised the subpoena fraud in 2006, and repeatedly
provided fraudulent responses to questions in Meet and Confer in 2007. then claimed religious
observance to void appearance in motion to compel. Mr Boock is requested to authenticate the
real estate contract record. otherwise, to withdraw it from the record. and with it the entire
countrywide fraudulent subpoena, and to notice the parties and the court accordingly. Mr Book is
~,cording to Bank of America Office of General Counsel the only one authorized 10 represent
Blnk of America Corporation. That office had no record of Bryan Cave LLP as authorized to
represent Bank of America in this matter.
MR BOOK: RESPONSE REQUESTED BY WED, DEC 10,2008, 5:00PM.
1:;) This notice is also forwarded 10:

Mr Timothy j, Mayopoulos. Executive Vice President and General Counsel
B,1Ok of America Corporation (Bank of America)
100 N Tryon St
N:::l"007-56-11
Charlotte, NC 28255
Phone: (704) 386-7484
F~,x: (704) 370-3515
With the demands:
a) that Bank of America corporation put an end to this fraudulent litigation and farce of a court,
pwgrcssing in its name in the past six months,
b) that it withdraw the fraudulent subpoenas produced by Sandor Samuels, Todd Boock and their
colleagues in the corrupt Legal Division ofCountrywid(~,
c) that they take action to mitigate damages,
d) that they report in the quarterly report for Q-IV 0[2008 such material deficiency - the
compromise of the legal team of Bank of America Corporation resulting from incorporation of the
Legal Division of Countrywide Financial Corporation to its ranks pursuant to
Section 307 of Sarbanes-Oxley
Since material violation of law has occurred, is occurring and is

about to occur again, as set forth in Section 307 of the Sarb;mcs-
Oxley Act of 2002 and the SEC Rule promulgated there under (17
.cFR 205), the general counsel must inform his superiors and the
authorities. This notice may be in any form, but should
conspicuously state that it is being made under ~tion 307 9~
Sarbanes-Oxlcy Act.
MR M,'\ YOPOULOS: RESPONSE REQUESTED BY WED, DEC 10,2008, 5:00PM.
Jo~:eph lemik
Fax:: 801 998 0917
Tel: 3104359107
Additional documentation, including fraud experts opinion letters re: fraud in this
Iitiqation can be viewed at:
.htlg;LflopIQQerinla.comf04-10-26-doc-44-countrywide-fraud-underwriting-letteL.QQf
1211112008
Page4of4
http-;IllDp.!QILerLnJa .~QQ.1L04- J 0-26:.QQin!Q.D=!~tter-coJmt!:'tWjge-U.D.Q~Jwriting:!~tt~r-oct-26-

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!!.ttQ..;ilin oroperinla.com/04-09-07-samaan-s-prgqualification-Ietter. pdf

!lttQ;Jlinproperinla.com/04-09-07-opinion-letter-fraud-in-prequalificaion-Ietter-s.pdf
ttttQ.;jf.jJjQroperiola.com/04-09-27-doc-40-samaan-fraudurent-IQan-ap.nfications-~df
ttttp:/IinproRerinla.com/04-09-27:-samaa..n-eountrywide-fraudulent-loan-ap...Qlication.OOf
tlttQ;//inproperinla.com/04-09-27-opinion-!etter-fraud-in-\oan-applications-signature-s.pdf
tlttp:/linQroperinla.com/04-10-18-wire- fraud-p1.pdf
tlttp:LJlD.P..[~rinla.com/04-1O-18-9-emails-in-re-wire-fax-fraud.pdf
tLttP...;l1inRroperinla:com/04-JJ)-25-countooYide-g9ultera~p-bral1ch_-input-eXC;e...Rtion
r~~-~,p-,jf
tlt:1Q;JlinRroperi f"jla.corDJJl4-10- 2S-doc-45-cou~ide-fraud-contract-record. PQt
t,ttP.-J/inproperinla.com/04-10-26-countrywide-fraudulent-underwriting-Ietter-~dt
t1tQ.J1i.!:mroperinla.com/06-07-10~samaan-deposit.i.Qn.pdf
bttQ.:l/inpJ:.QRerinla.com/07-02-08-CQuntmY.ide-fraudulent-subpoena-production-c-s.pdf
bt!Q.:1LinpJ:QPerlnla.com/06-11-09-doc-38-1-countrmide-mclaurin-false-d~la rations.pdf
.bttp: IIIQQl:.Q
. perinla.comL06-11-09-doc-38-2-cQuntrywide-mclQurin-false-deciarations.pQf
btlp~ lliDPI:QJ~eriDla.com/07-06- 20-bet.:tzedek-web-®ge-with-samuels.=befor:~:-j!ltt.er,Qdf -
Samuels - the fraudster as "fraud buster"
12/1112008
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Joseph Zemik DiVlO PhD

FJIC (llOll '3'.16-0911 E",~j: ill:z."\'S@e;utl~;.~ ...J
U JUdge shalf be faithful to the 1Jrv..• ~

Cale- _ ~ JO(lI
- In. ,",.. ofI.>w mu,' II........ be confu&cd wilf.,I""''''V nf",• ......'If'-

""""'""'~
TI:\U: IS onlll': r.'>S£tl:CE
I\.IONNETH D. LEWIS
Chainu:ln. Chief EXi:Culiv.: Olliu:r, and Pr<:5idwt
Ihllk of Alll;:oca COI(lOr.rtion
TERESA M. URENNEll
Al'SOcialG General ('.00,=1
£lank of AI)lCfi~ C"rl'ur~liolJ
JOI) North Tr}'on SI
BOInk (If AI1\.:ric;l Corpornl0 Cc=nlcr
Ch3rl(){!c. Nonh Carolina ::':&155
RE: DEMANII TO MITfCAn: DAMAGE$ ANI) FOR COIUtF.CTlVE AcnONS
Mr l",-'wis. Ms Ur<:lul<:r:
:-I~' ra.;ords show ,hnl in early I'el>ruar)' 2008. SOOll ~ncr ywr initial decision to I4kcover eo.....ll)'widc. Isaid )'ou
millen fl(llic6 d.:scribiog lh~ conduct ofColllllt')'lVidc in Clluft IIClC in los Angelcs, rclarivc 1.:llilig;lIion ill
S<U/ltlall \' amilr.. SC087400. which st.'lIttd in Oaoba 2005. and is stiil gain!!: OIl today.
Ell<:loscd is J ('('~'S rde:JSC daloo Dccanb.:f J, 2001;, lillOO:

Who's in Control? Coul1ll'fMde's Involvement in a Dubious lo:> Angeles Superior Court CBsa ConlW'lues cvan
aller T4lki:lovct' by Bank of America; U.S. Department ol Jusl~ has ~ed·~ruo<1N~ LA court in Ihe past 8
yean;. 8f){j thousands (7);lee iBlsely inpcisoned by the Same oourt [or r:Nel a dec3/lc...
Also enclosed is iJ Iett.:r III various p31ties. please accepl il as Mdn~ JlCrSOn;l/ly to you willi the demand [0<
iml nooial': aclKJll 10 mitigal~ damages, 10 ~fc:guard Illy civil rights, 10 ttlurn my nome 00 nil' possession, 10 SlOp
111)' har.lssmcnt by Countrywide, and fOr compensation for harm 10 me hy Couritry"';;lko.
P1Cll:;\l inulled/nrcly. bu\ flO l;ucr thall friday, ()C'Ccnlbcr 12,2006, 5:00pm infcmlll1c of youc decision in lhis
regard
) &-JL
JO":l'h Zcmik
• CWlltI)'\~idc h= c\.::n{}\CS CoulltT)wide fillallCial Ct>rpVralioll (<:Fe) and all its subsidiaries;md affiliates.
joilldy :lfIdlor scw:rdlly.
PRESS RELEASE
~
Who's in Conlrol? Countrywide's Involvement in a Dubious los Angeles
Superior Court Cas!! Continues even after Takeover by Bank of America;
U.S. Department of Justice has loleldle<1 the runaway LA court in the
past 8 yeal';;, and thousands (7) are falsely imprisoned by the same
court for over a decade ...
Sul>1ltlc
Defendant calls (or the highest priority aclion by the Obama administration
regarding the collapsed justice system ofLos Ango/es county..•
Boor
Slll"8~11 " lcmtk siems hom a dispule over a real estate lranSOClion, entered b'tlhe
panies in 2004!or plJfchase of Zernill's Beverly Hiffs residence by S3maan. "She waSil
straw boyer, .:md everything starting willI lIer Pro.qua/ifiCiJlion Llllle( and her Loan
Applkatiolls Bnd con/ifluing in !he tOll/suil /118/ was fJod a year fa{cr was part of 8/1
elaborate scriE>S 01 frauds.• stales Zemik. Indeed. an os>iMln k.-1ter by nationally
acclaimed fraud e~peet Robert Meister shows thallhe signatures on boUl the
pcequalilicationletler and ttIa loan application!> were forged. Claims aJ such fraud and
other instances of fraud by Samaan. by Counlrylllide. and by the LA Superior Court.
were made b'f Zetllik in court papers throughout the ~tigation Regardless. on ~ugust 9.
2007 Judge JaCQue~ne Connor - best known tar derailing the Ramp",rt trial in 2000 -
held a summary Judgment healing, and rendered summary judgment in ':Nor of
Samaan lernik was requiled 10 se1llhe ptopeety 10 Samaao lor over S1.8 miUion.
Howcver. to Ihis ddte. thai judgment has lIe\Ier been entered. "Judge Connor and
Samaa"'s colJnseI (Sheppard Mullin) engaged n 3 convoIuled lraud regarding t/Ie erl.ry
01 the iudgment Therefote.there was never a valid e/fectualjudgment In this case" A
caw wilb no jUdgment leaves Zemik exposed 10 unimding I~ation.
"Had f/1J3re been a valid cnlore<i jtJdgmenr dalms Zemilt '11 wooId have been the
touOllation 01 Paslernak's appointment." IlKtead. COUll IransClip!s show that while
claiming 10 appoint Pasternak Rece(ver for ~ion 01 the judgmenl, oelthet judge
Segal nor counsel lor Samaan recognized 1M judgmenl <IS vartd. Accon1ingly, the
judgment was n!We( rclClenced as the legal basis tor lhe appoinimenl. neilller was any
seclion of the code. "Judge Soga/8TId Sam8311's rounsc{ in c;oIIusioo witll pasr~mak;
Issued, but nevQr emored, a fraudulenf appoinrmenl oldct'. says Zemik'"liad 1Iif!f9 been
a valid jUdgment and a valJd 9ppoilllmcnl PBs/ernak ,,'ould have tssued a Writ of
ExoclJtioo, and \\lith t/lal. ho oould h9v8 (If00 0 genuine !Jmrt/ deed. AIId had this fJccn a
log/timare lransfcr 01 Mia by 1116 court, P8sremak I'<OUId have given me /he momlY no
la/or tllan 30 days trom tire dale d!he sale. as required by taw.
Zemi~ had moved out In November W07, as was his plan ever since 2004, bul also
ufldel lhreat 01 usa of IOlce by Judge S~al and Da1/ld PaslemaJ(. Samaan beg<ll'
Ottupying tho ZClllik's residence in'December 200.,. later, Zemik found out that
or
Pastemak f~ed a fraudulent grant d~ 1riIosferriog the ownefShip property to
Samaan. James Wedick, a veleran FBI agent and acclaimed fraud expect (beSt Mown
for his r()(e inlfle probe where ~x members d Congress were found gui!ty or laking
bribes in i981l. confirmed the fraud In lhe eKecu!ioll of the gIant deed by David
Pasternak. plllpOrledty on behalf of the lA Superiol Court
In lale January 2008. since he had 001 received any proceeds from the purported
escrow. Zernill brought a motion (01" the COUll to <!istribv(e 10 him lis equllywhidl
purportedly was het<l by Pasternak following the sale or the property \0 Samaan. Judge
Friedman denied the motion and ios:rucled Zernik never 10 bnng such motion again or
fa~ sanclions.
In court papers Zenll1l daims lnat !he elaborate GOUrt fraud in this CJlSe was based on
fr.wdutent reoxds produCed by Countrywide, where Samaao's husband VIas a '10M
OIiginator. lodeed Counlrywi<le has feg.Jlal1y appeall!d in this C35e - represented by Blyan
Cave. UP. In papers r~e<l in court. Countrywide roo1inely 'efelred 10 ilsell as 'Non·Parry. but
the court inlen:!langeably designated COOIltlywide as 'P1aintirr, 'Ocfent:fDllf, '/nieNOflOI',
·Cross·Defendallr. and nl()(e. 'Ftaud in eootlby Coontl'f'oYide is nol unlJSUal at tJlr dams
Zernil< "(( was lheir roufinc all over Ihe U.S. TlI9 only unique (cam hero \"las f/le ooIJusion
IY/ tho coutI. Judgo FIiOOmJII lhilJiJlencd to filj me if f ask his friend S;xldY {Sanda Sllmllols
- formelty Chiefl.egal OffICer 01 CounltyVlide und proskJcnr 01 Bet T20d0kJ anyllling dbo/,r
Ihis (rooer. Indeed. a 72 page March 2006opillion by U.S, District Court in Texas Judge
80hme rebu1<eIl Coun~'s JegaI pradices in his court, and in courts around the U.S.
Since July 2008, CounlI)Wide no longer cxim as an iodepen<lenl enlity Control of
Coootrywide is now by Bank of Amecic:a, /ollcNIi1l9 a J 3nU3Iy 2008 slodlll'l:lll<e! era sh of tile
Countrywide share, prompted by exposure of as legal practices in a Pcnnsylvallia court.
'Whatfook place in 1J.e PClUlsytvania COIH1 is a rilicfs p!<r/ ill ~ .says Zemik, 'And
it is not clear al aIllhat Banle of America even k/IO\'13 wliat CoonlrywKJa is doitlfJ in Los
Angeles, even lOOa.,. AI. proscnl. Bryan Cave. LLP refuses 10 dis.cIosc v.OOm they represent.
'.hKlgo Tcl/)' Friedman i=red a froodulenl nOIice 10£ a NrJVembcr 21, 2008 prococding.
I'them flo OOI1ecated Counltytvide's patliq>alion. Too is ,/0 o1cePlioo: says lema<'Judge
C0I1JJO{ Slid Judgo Scgal did jusllll!) same. TlIeIP. is no Wily 10 ellfJ/aiI, Ulis as amlQ COtJIt
case" says 2emk "Docs TcrryFrfedman,llilYIHulass;gnmcnlOltler? Docshe /laVe any
MII/()(I7y in Ute cast: al all? Ard for /hill maller, did Judge ~ hava an assignment 0fd0I'?
Did JucJga Co(l/lO{ have ono? Was IIIe November 21, 20081lOOcc, iSS/Jf!d in (lie fI8fOO 0/
Cleric Clarlre 9118u/hcn(ic Superior Court fIOlice? (s IfIe case as a whole, efluo case 01 tfIf)
California SuporiOr Court system? How Is Che COOT( allOwed 10 derry me lor Iho fourtJr)ll!ar in
<I row ooccss /0 my own litigation maxrJs? How could Samaan flo papers for '''e
November 2' hearing, b~ designafed 'Posl-judgm&nl Marioll', wilen noither she nor /he
COIIrt havo .Bver acJ<J1OWIedge<J /fJq August 9, 2007 ft.rdgmenl? Tho Presiding J~ 0/'
or
tile Cpurl, (he Clerk /lIe LA Sup6rior Court. '(lleir in-hOuse eClomeys·and Ibe oufSldc
-counsel (ooy f9laine<1 are refusing 1o !IflSWflrany questions mg8tdini1lJiis caso (or hall.a
year flOW. The CQurt is 'taking tho Fifth•.." Indeed. both l/le Reglsll!i r:i AclioIls. and also
the online Case Summary indicate thai judgment in this case is stiI pending.
'In(ac~ ilis 8fI Enterpnso-fmck case' says lemik'fI teIIec/sCQlTlJ()lionoflflecivl1 dh-lsioo of
I.A SuperiorCoort lIlat is rhemirrorifrl8l]CofrotTlJ(llionof/hQ Climina/dikiofl cfocCllTlonlad iii
groal dotai In Iho Rampart =ndaI iIrv&Sli;Ta/iofls. How cooII1 anyOOdy e1fJCd 61lyfOOg else?
.Uis /he sallie judges aIIer aiL 'todee<l. tho protagOlllst - Jacquerltle CoMer - is ()(le and
Ire same il both cases. The Blue Ribbon Report oIlhe Ramparl scandal (July 2006),
~tIOY.'ed lhallhose WhO were confiImed innocerl in the initial Rampart scanOal inves69aoon
by the I30ard of lnquiry (l998·20001. OOthad ~ falsely OOIIvii:tOO aad ~ed by the
LA Superior Court. were still falsely imprisoned in 2006. M:>s! likely IIley number in1he
U1ousands, and some of them also had coofessionsexlJaded l/lrouglllOl1uro. Such CrlToes
'M..'fe C3Iled 'heinous', and 'charocfcrisfu 0/ /lie most ~ diclalors all(} pdice
slates'" '. Bullhe 2006 report described in !Yeat details that lAPD. OA pmseal.<xs, aad LA
Superiof" Court Judges were bloOQog lhe release ollh<: victims 01 such aimes (or almost a
-OO<:ade.
'The LA C<Junty &rporior Gout! is srill holding lIxJusands of poopla falsely imprisOfllJlf
concludes Zemik 'Most of Illem /lre likely 1o be blad< and minotilies. II undermines any
Claim of legitimacy by government iIl/his countJy. The flOW adminislraliOll must not leI
lhis stBfldr
FOOTNOrrJi:
Couf1IJywi<lo />ere dCOOleS C~""'~ finantial Cc:><ponl"",- Inc. and .rty af\d ~I its SllbW,3""S MIl
.ll'''~. ioWtr ~Ol~.
AI '''"'fl'noM
INJkNIS, ~ <XJurt ,etIOtCIs and etxTOS~will> "81 MId US DOJ can be
lound at~. l.i1I~d llclow .". com<! 01 Vie <ll(!dliceyfQfef~.
Ef\""n~t1nsl<y.lo<l.Iy O'.... J<ome l.:aw S<Mol.in: ~l GfJiIt1Pr.>d 121. 2000
REfEMNCES:
I) ~~Jdgc-!.Qc!\=$(dI No"'lmb.!f)ll, 2000
letlot IIy dole"""".Z",,'k ./1 ,,",si<!in9 Judge ~ and C1el'< Clartft oJ LA SupMof C<lIJrt
2) !'AA·~.comAI1·'2·17~e<-ir.M2·in<)!j!nl4"""<·f.fXll WaClic:n aD"""" loa.,
r<:
i'ulemak', Go';,nt Deed.
3) hlW!~f OOCl!!J!4ml~!rnj!j.;n1YS.<llJa~f>c;lI~·SP<lf Mci>1~·. op;'\ion
Ieuet" ro: S;wnalW\'6'~ 1el1er.
4) hllp~:c0riyQ4!J9.Z7:OJlkjon:k1f!!'-9Yd=!fHo~tl!t-S m' M&lef,
Ofllnlon 1cUe, iA re: ~lia oiIl Samuri's lain tppkallc:M ';';I'''~.
S) !!IIlrll!npmpmjj!~7j1os;-10'1IjIllIHO~!!:i!l;llJQ!!fIl!\S-i,ptJ(
Celalll!<l ",,,icw
orrr8lJlblnSliJlil*'·"~~M!'~.rdrecXffl.fllediltl·S.OiWidCo<nt.
6) M!l~ciIIj!I04-I~~~1etl6'=9d16.!p;JI
MeWct6 ojJinloillOll&til\.re: hud n ~ "~)olli:t.·
1) h:!I>'II!n!l!llDM<!l? !jO!IIII):!-lD-2S-<j""....Xo!!!ryWm... ;>pd=<On\r>;d.-:onl (ld! u.s. Dislllcl c.....
Uno oleSailIng Iho h\IClln ~'I 'oal o.,\;\1e CCJRn:CllOCOrd.
II) "IlP;JMpfQoc<\!BwmIllH~~'!Jlyd:t.!!!lc!wrili!)Q~~ U.S.Oi:llrio It
Cowl IiIing do~ IMh"" inCO~o·s~t9lcuet.
9) "\lpA~.oom!07~&lIll!er=orntJl!l'l"""""'ClMQ""'l\l1 pdl Ao9u<l9.
2007 .ludgmenl bV Judgo Com«. ~ d bill ~ onl<1e<l..... t ~"'9 oroe, ,11;],
~ ~ ll1t b.1sb fur"", bud by It>c eoutt.
10/ ~j01a·.tQ!!II03'w48-(lQ!\Q!'f.,Iiopl:U?5l¥!r...H lIdl CorrclllOOd= ""'" FBI.nd
U.S. D.ePl~I~
11) h!Ip:(~.rJl!l!l!1l'l(iil(")'!'~>A-0G;934~"9Hud9"'ml~H!!9'9't:!9!lttH p<J1
PteSIding ~c reflj~w answcrl'eB.-.nM9 c:lliSlet1Ol> offui;lgm<infMl (~y Zl-J!liltl-
121 h!!Q1M~.comi«HlO9O!l:JUHtffllls!er1if-fdions.~II·I{cet1i!it~
HrM:ml!e< ·Y4. 2OOlIflf1li"'" 01 Adio~s IIl.Sama.tit y lJm-JJr(SC(Xl74WJ
lJI N!p·(~~'1HIk;~.,=Wt!!l!P'Y"pqi H~tJo.:2QOaCa~S<J",m"'Y'"
S...."".n Y 20"'" (SC«J7400)
14) 1!!Jp;!.le~:OO-G!m(iaf1-b1ue~n~il3(101·2OOG:f!oot1.11!1l Blue Ribbon
Repon of 2006. "'''~ 1llI! (.nun, to ,elu,"" hlsa fakd)' imptisooed kl LA CD<JnIY as p"rI 01
Ihc Rampar1~.
CONTACT:
Or Jooep/llomil<
Tel; 310 43S:9107
Ern",\; jl.1ZJ.4'>@;-eMliinlulCl

Fa.; (ilOl199a~911 Em.,': ~l2J(~(!MI/lI'.nI<neI
M Judge s/r;,U be IalthM co (hq law.•. ..
CoIO>k Ua.b >B!'I

• The role of~...musr ~VN' b" confused withl)lr.looy o/lIM courts"
-,.,..,...
Alej;ultlm MayarklJ5 -O'Mclvelll & Mfcrs.
former U.s. AllorTlq. and Uoard Mcmber or Ikt Tude!;.
At! Mitchell Kamin. rrcsidcat
For 1M Tud.:;· -- "(II<fL' o/.fuscic,:
John .-lShcl
FC'l"IIrldl"d of fJ;rO:Clim_ .I<-,(;sll Fodera(jall ofUIS A%'ekl .
BC}'lIn CIWe, 1.1.1'
Far Sandor S01llllel\", Altgel" Itfo:ilo. CO/llJ1'")"';dlt [{(JIll<! UXJIls. CUlltrll"J"'id" Fillallcial CO''jXJI"OlilJJl
UuetlAltcr Nemer
I-'ur /t1W{) &C7II11·. a st/ruidiur)'(I{Old RC(lt/Nic Tulc
Cummings. McClarey, I):w~; Athll:tnd A.'iSOci:atcs, O. 8m Bianco
For ws A'lgd('.r SlI/,trior CUl/rt. Prc.,iding Judge S'lq,1Iclt C::ulegr:r. Clerk lO/1ll Clarke. .It/dr..-s. Jacqm:liJlc
CClnllar. Jt/lm Segal, Terry; Fri..dnJa1~ GcrOJ!d RosellbiJl1? <5.: .~O{(
0:10 witL, Okum-Loril.t, LLr
F(}r USC C.redil lini'JI~
Gar)' l'IYt!'. FrC5iL/.:JltlCEO
1'~rnBk. rasremak,l'attoD
Fur DrJvid taslcroak
Burry Brocker. Mo)'Or, :Iud City COlJndi ofBcvc:rly llills
For Ihe Cil)' q(TIL-"erly [fills
KenoCib 1>. L~wi:;, Chairman, CEO, lIad IJ~illenl.
Te...eu Brenner, Auocillte CeDcntl Counscl
For lJonk ofAmerica CorporotiolJ
Martin Berg, Editor
For TIlt DaliyJol/l1lol
The lIoRomble ROllakl George, CbiefJustice
C.allfomin Supreme COlm
Kenneth K:1iscr, AssislDnt I>iro:to(
For the FOI
Kcnocth Melson, Oiroc[ar
Mldue Mulu~}', AHomey Gencnl
For ,he u.s.
D~/}(lrtlll'Tll of.lralic.:
TIME IS Or THE ESSENcrt

RESPONSE REQUFSTEDBY 5:00PM FRroA\', DECEttmER 5, 2008!
oRE: 1) F(1ludldentconycyanccoftitloand resl ~err.llld on rrsl PC'll~l:tyromm{)nlyl;noW1lllS310

So.lb Pc:ck Dm-~ Beverly·rolls,CaJI.r~r'1I~, 9O~l1,2)Sama!JIl.ZonJ,t(S~~~OO):f~!J.dd~t.
litigation at the Los Angeles SlIpcrior Courhft!le State ofCalifomi a, 3) Racket~!Ig iA the Los
• PJge'lfl NovemtlCf 28. 2008
r\Qgdcs Sl,pcrj(,r Court, 4) ThollS3nd:; of innocent ~Ofllc f.'\lscly ill1Jlrj~oned in Los Angeles County.
California.
Counsel and llllr~pt:CS1'OIet1 pucti~:
I am ill\ unrcl'r.:scntcd ullhidu;)l. l"ili;r.cnoflllC Unilro S'~I"~. r,,~idclIl oflh~'C\Jumr orLo.< Anl;dc:;. CJlilomi:t.
I>"ril~ 11", period rdevanll" C\'l:tl15 d<;S(t:ib.:d \l<:klw I \<'<1.> aho a =idelll of till: city ofl3e~ly Hills.
..... I3rkf(h.."nolo:!v nr org3Rizcd uime acti',ns und« (he guise of LA Superior COdn 3elloa.'.
Since Q£lQ1Jg 2005 I h,wc 1Jo:n scverely alxc;.:d and ha135:;ed under the guise of lilig.ltioll in ~ Cali l(jnlia
Superior Coun in .<ianIOWI \' umik (SCOS?400) ill S<!nlll Moni<"i~ Ctlifomia. I ~ \"C bcClI repc;llcdly calkd 10
app.:.1r in court; roy nonn~llirc routin.::; "I:« cnlird>' undcnnincd; II~, ...¢ b<cn forced 10 ~tld Iargc sums of
money 011 tegal expenses; and I h....," occn foro..'(\ 10 spend most of my da}'s slud~'illg 100 law and various \1th",
fields lOr my own defense.
In NOVMlbcr 2007 j·\\'as dnva\ oul ofmy home. Ihe prop<:rty lis\i;l,\300ve. ill Oc\ul}' [tills, under the lhreat of
violCIICl; by John S¢J;'Il. £IIclcllding 10 acl as:1 judge OrUte Superior Court. 3IId AU O;l\'id ra.~ICfnak (fol11K.-r
pn:sidcnt-Iiousc of Justice· Ilet T7..:dck) pn:lcOOi"t 1\1 ~(l as aCoult otli=, whik both k,lew<l1I along that Ih~'
"'\:fC acting with 110 ilulhorily at alt, OUI of complinnce and in violatioll oflhd~t\'.
Sometime io laIc 1\9vanbcr 2001 ,\lll';l~temak eunul1iucd ti.'If'C<:d ent....· into 1"" J1CO~rty alld "1001: PV>~OI1"
on" with no leg;)l foundation al all.
(" O(<:glIbe1' 2001 Alf rasternak subjecwd lily propcny 10 liaudlllcn! COIl\"CY:UlCo: of line' • and ~dN 10
collect s<lIll<: monks in exclJ:lflb'C (or the property frool Nilfic Samaall. and l\.'ef1illg tit<' funds 10 hinlSdf, w;lllllo
legal fOUlIJ.~liol\:1I all,
Whrn Ilfled 10 Siand for Illy rights, 1 was purportedly found in <.:otllanpl of til(; court; t purportctlly had 5:lr1Clions
Illlhe lens ofl\1QlL<::ll\dsofdoll2lS $ct uport me: 11m<! g:.g oro~purportcdly inljJOSL'd upon Ole - foc \he 1lI:ncftl of
latge corporations - Couotrywick. Old Republic Titl!; alld United Title.. throu~ll c.~ parte proeecdings..
On Jull' 6.l.QQl.lWlIS subjCCled 10 lhc!i1Sl ofsucll procedur~ _. nliliaJed by Countlywide. md held inarork
courtroom in \he Los Angcl.:s Superior Cour1 by Judg~ JaC{jucliltc C0O!1ol"(8cst known fordeQi,li!1g Ille Fir.;t
R.ampan Trial in 2000), offlhe calendar and on' the nmnl,
In No\'P-ll!~2OO1.1 md II fr.wdulcnl Rcccivcr-All David Pas(cm:lk appoimcd 11J1<ln me by JudgoJohn
Segal, through another shamlcgal proa:cding. wid, 4..<Jay Clotice. .. All Pll.'>lcmak wus pllrported Iy vested by Joh"
~l wilh untimile>d flOwers to abllSC <lnd harass, deriving his aUlll>rily from neither a judgment lIOf any sc:clioo
ofthc California code BC)ood 1110 theti ofmy propcrtY JlUfTlOl1cdly on behalf of the CoUlt, Au rasttfllBk
r",udulenlly incum.'d me with h\ll1drWsoflhousands 0(doIl3(3 ill tlx liahilit;e'!, sino: he COllCClcdlhc fllli
pro<=J.~oflhc sale. ilIId dcfemd tile paynlCllI Ofl3XCS-
On Dc=nhcr 7. 2007 t \vas subjected to a~thcr ~x p3J1e prou.-dllr\: tor!,'ag unJc.rs, this lime irtilin[(jj by All
£'astmlJl!;., for lhe benefit ofl\·!ara Escrow and Unil~-d Tille..
In fcbrua:v200,t I "'3..~ fraudulcnlly I.hrest.cncd wilhjail,rime by .tudgc Terry Fricdmnn, Irying 10 Pl':\'~fl\ no:.
from exposing tl~ rr.lUd in Countrywide involvement in Ihis case.
,t
I receiv.:d death thn:31s coo pie oflinlt, th~ flr.>\ -in Mmh 2007 • whcul !l1Cillcd III(Jrmcr senior I41dcr1\rilel of
OlUIIlrywide ill March 2007, which Coorllrywidedid not W1Illt Il1C 10 ever Ioc3la...
Why~
By No~cmbcr·~ber 2006 ( figured outlhe I\IIIUfC of It-c COC1dudofSbcppanl Mullj~. fCJlI=ting Nivic
Sanuun, sufficicudy weU. 10 1II1dersta11d 111011. thcy \\-.:re fabricating fraodolau clai.ms agaire;t me. In collusion with
Judge Jllcqudlne Connor and COllAtrrwid~ they were 1in:I=ly (oHing to ddfalJd me O'Jt ofmy furneund.:r
the guise of kgdl action in Ihc Los Angeles Supc:tior COurt.
• P"ge3l1
I had flQ ooctgJound an<loo lom,al traioil\l; in lhe la\\', a:onomics, b:mking or 0\0111)31,'<: lending. ~nd Y~l by
J:IJlU:llY 2001, I 1igun.'<I out llu: b\lsil\C,~ 1I10dd OfCoUllllywid;: 3Ild the mluc.: of Angela MO/ilo an<! Sandor
SlImucls' fr.lUdulcnl conduct sufficie01()' wcllihalililed complainls willllhc Hli. Jlld Ihen also wilh llankinJ:
R~ublOrs such as Ollicc onllrifi Supervision 611<1 OfflCc('fFnkr,,' Tr.llk Coouni!iSion. 1claimed thai
CoW\tf}"idc,~ iovo!\'cd ill n\;L,"~i,'c If;,lId againsl lhc U.S. Govemmenl nnd lhe .'\lHcri,'all lax·~aycr.
By M.~ I \w..s able In come up wilh inilial rough co,1i"\llICo". ",hid. iJNIicaled poICillinlli.:lhilily I\) 1hc IJ.S.
C,o\,crnlllwl in the hundreds of hillilJl1s ofdollar; (in I1-'IroSPOCI .;\ C(lJlscrv;tli,'c estinlale). I also "'fIlle3 series of
operilellctS 10 Ihe Hoard ofOirl:aON of Ill\> House of JUIlitc - Bet Tudck. I wantcllocm th.,l an organizalion
that f1'J~s tll be the "House ofJustice· nllL'>! flC\'er allow Sudor S2mucls 10 ~ Ihc I'r~idcnl ofilS flaard of
DirulOl". I wnmcd Iholl lhat he was pcrronally inmlwd in fraud :l~nst mc. and Ihaltens 01" thousands of
families WOtlld loose IOOr "ames as it rL'SU11 of his business activities (in n:trospcd •. ;J conscc....ili,e e5timalc). nel
T zalck Boan:! of Dit'IXtors IICl:cr rcspond<:d to my alarming messages. 0(( CouAtry",i!! e, SandDr S:tmuels, and
Aogd<l M<raJo did. TIleY ICL1incd 8<)'111 CllVC. LLP, 10 harass inc,lo rctlliiate agail\51 m~.lo ;ntilllidalc Ill¢, an<!
·\0 supeevi;;c Ihe pcn'tt'iion ofjllstice lUIdel' [he guise o f1iligali on inllle Los Antelcs Superior Court.
On Jul" 6, 2001 5UCI. t:lIl1p;Ub'O was initiated with an cx parle llp~IlCC • lor a t"l; mtlcr "f--;lim\ me in lhe dnri:
courtroom of Judge JlICquclin<: Connor, woo n:m.,in~d in d\amhcr,;· 1l0,,11CfC 10 ~ sccn - wilh TlO recognizable
e1en: oflhe court in lI11cndiltl<:e.
By mid- 2001 and 0101'\: SO by dlC b.:ginning or~ 1 ttg\ln-d oulthc ~it ICSS model of d«: lA,s An~clr:s
Superior Coun wfticiclIlly ""lI111ll1 Iundtmood that SomCJ<VI "umiJ: (SC087-100). in f:lCl never W·.!S a lrue
-c:l.<>e oflh~ SllpcriorCourt ortlle St:lleofCalifomia, bu! inslca.d. a case oflJle '·ERtC"(lri.~c Tr.. ck" of die Los
Angeles Counly judiciary. d~ignatcd as such by Judgc Ja~li"" Connocevcn bcfo~ Ih.: complainl w.tS filed.
I g/3Jlully learned nlore about Suslain, (he Los Angeles Superior Comt's tOlnpulCf systcm, reaJi7jng Ihal. such
system was quintessential (or lite opc::r.llions ofllie fItleq:risc io the fonn it·is IllJJIirCSlcd llIday. This system was
p.J"OCUl"I:d and inslalled.around 1935, out of Compli31\Cl! and in violalion of the law, by a company by the $3I1le oe
sirnHor name (Sus\llin or Snst.,incd). which is solely controlkd by die Oail)' Journal, the lilfgcst IcgaI nr..~pcr
in los Angles,lt fad·that is aJl{lillrolly unn:rogniZtXI ill the ~ c.onunUlli1y. ,\round (he same limc.·thc
.Honorable RoIU\Id GeQrge. today alief JustJce ofdlc Califon,ia Supreme Court. held variou.o;lcadcrship
jJosiliOflS in lhc LoS Angeles Supclioe Court..
U. Uc)'ol1d Rol Esluto.Fraods - the R:lmran Scaudal
In recenl months. I tried 10 beIler underStand the scope ofope:rdlions of tile En ICrpri.q beyond ~ C$lalc and
oilier lili{'~lion fralJds. and the uniqvc posiliolt or Judge Jacqueline Connor relll1ivc to orsanited crirne in '-!Js
Angdes. I studial tI.: hisll)ly ofulC RSfIII'IJrt sonlbl (1998·2000);cuphemistically rwncd the Rarn~rt·A~
.COITu(ltitln Incident TIlC Blue Ribbon Revic\~' Panel report (July 200G~ makes it abundantly't1ca.r th:?t the
activilies clwactL'Tislic of drJt sqmdal \\"cre never limiled 10 Ih<~ Rampl\l1 area. 1UlIl WCIC and probably ~ill arc
endemic, 1\01 an isofallX! illddCl\l. al all.
fUIIIl(XlT1on:,l SOOR rcaJil.tO wh.u.thc R1i1lng03l Wa5 of the allthor, oflhJt rqXIll.: first - III dOClDncnl _mallllc)"
C<llIcd \lIe "subm/t 0/ criminality to/MuM in tilt ril"h- of the LA Counly jUSlitt systC11l- and scccllld,lO
00cun101! how such justi.:.: syStem is preven1ing the I':ICiISC from loog·lcrnllabc imprisonmctlt ofdte thousands
of ~'e. who were tqJenlooly confirmed by seva31 successive itl\~tigation rommillL"eS as inllOCCllt but fr.lmal.
f.v.:n today, ten years 3RCf the scaodal was CJ(posW, nobody kOO\V31hc C),-aCt scope ofiL
Erwin Chelllcrin.sl.)', (00)' fOWldingDcan, Irvin<: Law School,-&scribcd ilalreadyin joOO as foll()\V~:
•AflY analysis Of ll\e R3Iflpart scandal muslbegin wilh an apprecialion of the heinous f13l1Jre
of whalthe officers did. Th,,~ 000<100 as50dated wilh \he moslreplossivodiclalocs and
potice stales.•
And David Barebam, Dean o(the Loyola li:w
SchOQ~ with Ciltherlne Frsk wrote in 2000:
..../tJdgCs lsi«! :l!\d wilenOcd a &lag~riI1g n\llllQer of peoIJle for C{WneS ~ .dit11lllt CQl1lI\it.
How could so many parlio'panb in the aiminal ~stire sysiem ha...e faae;l eiU\e4" to leoogoiXe
or 1o inSll9al~ al\Y meaningful scrutiny 01 such 3ppaning an<l repea~ DCf\'"r.Mns 01

jUStic.e1:
C. 'llle court's CIl;<e m:magem<:1lt <v<ren, U Ike w"lJIilll! 1001 of the ~:nlr.tJlri~.
My reading ofthc lllUl' Ribbon Review Panel i; Ihaltlle panel. like all invcsligalion ':\lInlllitlces before ii,
<lad Ii ke Ihe pUblic al Il\rg~ in I.A Counl}'. were denied accc.s~ to pul>lic r.;oords lh~1 an: lh~ nooh of Courts
(If I.A COlHUY Superior Coun. Such public: Records. arc (rilie.. l fl,1flhc S3rcguard of tile inlcgnly o[tI..:
COllets, Howcver. such Book of Court arc sine<: 198> implcmclliro in SU~lain.;md oO'limilS to the pubic - ~
mass-SC<I11l routine and cuntinLlOlls abuse ofcivil righlS of all who livc in lA\ Cnunly, by the L,\ u>URly
Cault itself. Such abuse iSloleral«! by the US. Oepartment ofJusliee. who fails 10 perform ils duties
1abo believe lhal dlC Iacl\ ofa=s 10 such (lUblic AAUr1h is a main '~',l<Iicap ill 1110; opcrollions oftlte otrt<:C of til<:
O,,=r of eivil righls in Lh. U.s. Judge Gal)' fcc;;s, app<>inloo 1'Url."U&11 to Ille COI1SCtlI Dccrc:e of2oo I. My
reading of tile reports ',"15 that by 1O<M ho was trying. l/llSUC~=fully 10 establish access 1.0 such dlIla ~l'iC:i. and
his dcmullds ignored by the LA COlllII.)' justice sySlcm. Nccdl~ 10 S<\y.1 believe 11~'1 IIle Ow:r.>ccr, in his se\'en
) ' = in offICe, never frlXd c,'cu one sit\gk persoIl of the Ihollsaoo.~ ,,'ho lire r~lsd~ imprisoned,
l1lCrefOfc. Ihe lailure oftllt: u.s. ~It of Justice to l'll(on:.r Ihe b.'lSic civil Ii:;ht for llooks ofCow1thal an:
Public Rt'\:ortls. free for the public {o inspoctMd 10 ropy,also pnillls U.S. law Cl\f~ asencics 3S impolCOl
in LA County - sina: they =tnOI cnl1>rcc tllC CoIlSC'lI 0 = thai '''l.',lhe outcomc oflhe yidding ofll'H: City of
LA IV lile U.S, Government in 2001.
TllC ~ ilCli(ln-lake-o\'CI"Oroolllrol oflllC loA CoIlllty Superior Ont's coolfllJkcs by rcda31 Ar.~ l~ a
rctati,-d)' s~llple task. It was pr:tCli¢od repea~ly in m:t:nllnoolhs nn)~ the U~. Govcnommt ~ o.v<:r BIIy nlAjur
fuiling financial insIitutioo. Surely lhcreore llf\ils fully prqxln:d in I')qxlruncnl oftlte Treasury. II is an operation 11\.'1
CUll>.: 3.l:l:ompli>llOl! ovanight...at minitnal risk and cost. ilI1d with major posilivcinlp3Cl 011 the liiCofind;\'iduaJ and
Ih~ ",leonl'" in LA Qlunl)'.
P. Un:UlSlfcrM QU!;Stions
I) LA Supall/rQluft
I !lave been denied D= 10 my own litigation rcoonIs in SustIln Ulloughoul dlis pwpol1cd litigalion, alld t hoW
thai ftad i bcenallowtd aa:css 10 SuSiain, rtQf\eoF-itcould ever have Mllpcncd.
SmoeJunc2008. U,cofflCC ofPreidingJiidseofthe lus Angck:s Superior Coul1, Stephen Cml~,<r has been
~rl15ing, to an5\wr the simpl~t qu~:stio~:
Is S~maan " 2:crnlk (Sdl87400) a true caseoCtbe Califomia 5ul'<:<;(II" COLlrt?
7711: simplest DlU'Ij'U wollid haw ~m to,arlo,," flI~ OCCCfS tWoug!. Smlour ro tht! S()(Jb of
C(lurl, rile fndaoj-..mCll5es. Corc"dnr o/(],c COl:rlS. ctc. That is s.ld/ denicJ.
• Is there or isn'l there lln entered. effedu:lI AUI: 9, ZOO7 Judgment in S~m:un ,. Zernil<?
f war robbedolmy 'IOI1lC purportedl)' pursI'{lnt Ie.> .1U<.-IljudgmeiJt. n,lt il is obvious (filii no
Sitch ''(IUd effCCl':djudgmCnJ I!Xi.lli.
Is 1IICN.' Of isn'l tben :tjudgc dulyassigncd 10 SantUII v Z.emik ?
Judge 1eny FrlcdlrrU1l:>6f/ holds the file. and IXJIlfjmm-llis rucketCl!rilfgjronJ 1l1~ IN!nclt
]) Martin Berg- Daily Jaumo', ansi RortaJd George - Osie{Justic;: oftIre OJ1ifomia S~rmJe Collrt
Mr Martin Ikrg. Edilor of the IbU)'.Journlll.lIl1d the HOt1()("'3.blc Ronald G~~c. Chief 1llSlicc, C.,tilOmia
Supl"C1ne CQuit, have failed 10 respond as well. The qu<:stioos <Jdd~ 10 IDcm was Uld·'s:
• Wbat wlW'1.1 your role in the dtSign; instaU31ioct. malfikrWu:t or Swtainlll LA Superior Court?
Do you bold the operation ofSIlSWIl"us seen today, in compliaR«l with tb~ hlw?
• 00 rOll consider.ltat II po..blic disclosure 011 rour p.'ut in dils matkr i'i required?
No-elTtJer 28. 2008
3) Ollltftrywide (lnd /Janl.: (IfAmtticil

After \h¢ chal1gc: of wnlenl in Countrywide. I CXpcclctl1l1a1 B~flk of ."-merit::l Corpor8lioll wuuld put 3n rod to
this Sh;lOl<:ful story. 0(\\bi<:h 11Ia~"t: inform¢:! the bClard o ruM\( ofAmccka COI\lOOIIion mouths in advance.
r-IoWtvcr. evcn <lfla dlC cl1llllJ;C'llf \'1II11rol nryan Cove. u.r Ius ""lti<lllCllthc IliIfa.~$mcllt. jU5I as uSt~11. And
yel, in I~cnl dl~"S illl;\.~ ",fll~ I" :10""'0:1':1 \'cry 5implcqucslion:
• Whal is the idcntil)' ofthc party repnsct1t b)' me In eourt ill n:«ftl months?
CQ,nIlf),,·itk':~ flft/·'Y ciesiglloliolllul( aU alung heel, /Jne 0flile cardillol J igl1-{ flocK IMs
/itif;ulir", 'ms fY"I(I: (illm/ry"'id~ cI,wr: 111 be called "N"" .I'orl)· ... ,,·!li[.· JIJ.: c/;ur( llsed
portydcsigl/Ofi/JI,s dllj(JUr - I'fainl!(f. Dcfl!lldcUlr. !I,W'VI!lwr. Objector. elC'.
Ncgwdlcss: 1Jt)W1 Cave mllsf hit".· who sixued the e"xugCrtll'nf, and .rlm i.r I'uyillg /""
bills.
I Ehcrefore a10;0 a.o;k the fol1Q\\'ing from Bank of Anlerica Corporation:
Would 8:lItk of Amcrica Corrontlion WSHl"e Ih~1 no fnr1b<!r abu~c is pcrpctnlll:(l ill ,he n:lOte of
Countrywidc'!
• Would RanI;. or hmtticl Corllo~tion revicw lI,e records and provide (on,pens.1Ii<Jo for dttmagcs I
'ulTcrcd through Counlrywidc's .. clions?
-I) USC Credit U"ioll
The final steps in thc!heft of my !lomc in o...'CCmb.!!:..:~~n..:ou'd ncver ~vc happened without help Irom within
USC Credit Union. for no n:as<>n al all. and ill \'iootiol\ of II..: USC Cll fiduciary dtl(ic.~ to thdr deposilor!
mcmber.
• What was Uleju,tification if allY, (1)1" tllccooductof lISC CU, ill coUuding in Ihe theft of my home
by Ihe Enlerpruc?
• Why ~ Ihe.USC CU I'cr",ing lu implement b""ic sl;",d~n1l'mcalurccon~lcnt ,,'itl> ":iound
b:lnkillC principles"?
5) Qty of11l:r'Crly HlI1s alltf in PolicI: f)(p<1rtfllCll(
During Ihe hllrassmcollhal prececkd the theft ofmy house, I apflroachcd lhe Bcvw)' Hills I'olice rxp.mmeollOr
protcction. (In several occas\ollS, (\t alllimcs, the Ilevt:rly Hills rolice OcJWlment absolutely n:(u:;cd to provide
protection., or to inwsLig:ue.11O manu how 5tr0tlg tlle evid= producCd in support ofmy complaint wa..<. This
monlh I pc'ovidcd lhe Mayor and Cily Council a sll1lrt o\~iew()(thc siluatioo. TIle folfowing questions arc
3lldrt::>~ IO'the Ma}'ound lhe City Council oflk~rty Hills:
ll.q;f\rllfC$S of (he rondllct of lite l>istlict At(orllty. was lI,,:rc{/S there ;In)' justirlCltion for tlte rcfUs:l1
ofttie (kycr1)' Hills "olice ()cpllrtment to Jlrol~l mc in lhi~ al.Sc!
• Would the Mll~'or:lnd aty Council faNe immediate action to cORlpcl llie police 10 perform its dillies
and '(lnlvicle n:(lort of its il\vcstig~tion as soon lIS possible?
6) Bit T~'itkk -tile /lollse OfJustice
TIm:e oftht individual.t who pla)'l'd centr.l1rolc:s ill this 5101)' of real cstaIc liaOO. held Ihe highcSl ~i!iof\5 in [kt
Tzo:Iek: S3odorS3mucis - famlCl' presidellt, David raslcrnak - fmmcr pfl:.Sidcnl. Terry FricdmSll- fQ{ltlcI
e.><ealli\,<: dir.:dnr, Together tile}' can Ix! ~n lIS a rcprCS¢lliatioll of the type of""idc.spre.td roauptioo thai
un<!crrnines tIH: jUSlice system in Los Angel~ County -oolklsion of corrupl oorporate 1~a1 counsels, comspt
atlomcys in private prae:tio; and c.unupljudsc:s.
• Woald Bet lUdek rtspUnd lind iDfonu me rtgllrding uy infernal prOCt'dure for dispute
rcsoltruon? '
• P<YJ66f1 N<M:lYlbef 28. 2006
Eo The ;culle !tOll cosl of !be prolJlCIlI -orgnnilcd crime in 2'" ctntun'
Ahu,!: of ci\"il righls in Lo~ An~ch:s Count)' is on a scale lhal is beyond cOIlJprchl.:nsion. 'flle ()n'~' I'·d~· 10
Gllionil.li7.l: the siluation. is that 1.05 Angeles County \\"3.' abandon~ by 'lhe U.S. Govcml1lcll\. Federal
agenclcs loS{ conuol to lhe EllIerprisc.
Suo;h cllnditiollS must nOI be allowed 10 persist. lllC ~;t of Ihis Enterprise 10 societ~· ill $outhclIl Califonlia
a'td the economy of the U"ited Swcs i~ prohibilive. lllC elllllrgCllee ofCoonlry\~idc as i\ .:orrupl
organi7A11iQn 0111(1111<: sub.prime crisis Ihal folltkwed. could 0',>1 h.-we taken place had il l~lIl'lctn for ll~
!:cl\cf;l'izcd,lj-au(J·rriCloJl}',l:rillle~nni<;si\·t: cOl\di(ioo.e~l3bli5hcd in LA Counly by lloe Enl~rpri:iC .....nd
Ibe cosllo the IJ.S. ccunom~' oflhe sut>-pri"lc crisis alone is jtlthc Irilliol\S ofdollars.
nlis CiI~e shows J,.dgc Jacqudinc Connor. rcpl'-'S<:nting CQlTupl govemmenl, aslhe c01ltrolling party in "
joint elTon of SllndlJr S:lmll~h: aud Countrywide - a romlpt mega cOlpontiol\, small lime pt'IClllioners ur
while colbe crime such a.~ Nh·'e S~m"an, Jae Arre Lloyd, and Viclor P:lrks, facilil.:lted by large la'" limls
such il.~Sllepp:lrd Mullin 3nd I3ryan C:u'c, LU'. And in the (ace <lfsueh onsla~hl ofa froud machinery,
JIll olher>; yield and join Iht winners in a frenzy of fr4\1ds: lawyers. escrow, r;:gi!>lrarfrtcorder, rC:lllofl', ~nd
e()II.~Ufl1er banks.
11\i$ j, lite lrue f,lee ororganized crirne in the 2'" CClllury i"I.,\ CounlY. c.~lirorni:l. 11~ t:oll.~oor.llion of
Victor Parks, .lac An, Llop.l and Cuunlrywide in their fmud ab",insllhe U.S. Govcflllllefll in submission
of l<l.ln applie:llions. ,....., eoonlin;lIcd lllrough Ihe computer .ld',,)rks of Pacific Mor~;Igc Consultants.
:\Oct the OI~ga frdud ofCoonlrywidc ils.:lf - ill IIl1dcmTiling ofunwo<th}'lonn applicatiollS.. was
maSlconindcd by Edgc - o.llIl1lrywidc·s underwriliilg monitoring s')'stcm, which in Ihi~ = \Vas seen
opcr.8ling OJ, the oIJOOlll1agc system for violation of banL:ing regulations. And the ovcrall coordinalion of
Ihis consortium of criUle \\'a::> cxertcrl tmough minutc onlces produced in Suslnin tile Superior Court's case
mana2cITlCIlI syslem, provided by Ihe froe prcss...thc Dally.Journlll.
And facing 5ueh maS5ivt powCf, United Title, M:ua Escrow, Coldwell BQII\.:er and Michael f.ibow. and
USC Un;lln, aoo t~c office of RegistrarlReeonlcT, AU Charles Cummings, Atllachary Schorr,lIf1d An
:Thamas Brawn,:l1I gave in, hoping to get some of the Cl\Imbs.
Jacqueline Connor der~ilcd the First Ramp3l1lrinl in 2000. in public defiance of tile ruk: of law and 1I1C
power or the U.S. Government. Rcspon:;c ofth<: U.S. OOVCllltllCIl1 was illlldcq1l8fC and simpl), nOrl~!('Slcnl.
The Con.<.cnl Dccccc formulaled under the walch of Akjllndro Mayorkas. thell U.s. Attorney for Celllr.ll
Distrit,1 ufCalifomia. falS(:l)' fl\lllhc blamc enlirdy on lhe LArD, nnd \cRlhc LA Superior Court fr.:c 10
rontinue lhc wrongs. Thereforc, ineffectual offICe oflllC Oversc:cr "'lIS.made ccr1ain. As a (esult.local
branched 1)f U.S. agencies are po\\'crtess in LA loday againSl th<: EUIcrf'rlse
fl, froposert Solutions:
Solution must COniC by way of Ihe U.S. GovCIlI01Cnl.
Wilh help from Ihc coorageous Honorable Diallc Feinstein. Sell:tlor, and Ihl! Honorable Oil'oC WSts0n,
ConCre""sWOlnlln. I Jlfcssed the fo"IU 31ld US l)l:()srtfltenl of Justice 10 lake i1clion. I argll<:d lhatlhc
minimal, mo~t effective way 10 approach this Situalion is to enforce CommOfll:awJFirst Amendmefl\ righls
in Los AltgefcsCoullty. fWrsu:llll to Ni.mll". Jl'umcrC"mfllllll;catiflllS. tnc" J15 US. 589 (/978) where lhe
u.s. Suprell": Court affimw:d "'he comlUoII·lo\\' righilD in.~p«r and cop)'juwcioJ ncords·. los Angeles
Cow It) i~ unique. II~, in Ihe United St.1t...-s ill concealing tho Books of Court - the Index of At! Cases, the
Calendar of Ihe Courts, the RcgislCfS of Actions, and (he 800k of Joogments. I bclicV'e lh:u such a simple
step as :sei/jng lhe compu(er syslem of the court lIIld opening it for public 3CCCSS, as required by law, for the
first time in over a quartc.r of CClItUry.• would be sufficienl to cffi:ct a major change in the -adminis1f<ltion of
juStice in LA Counly. rrr>t and foremosl-to the fl~ins oflhase falsely imprisooOO.
I also ftJcd a prow~1 with the !udiC,aJ:y CoPlmi[tc:es of lite Hol1$C llIle Senale, and with 1h.e·U.S.
DepanmeOl of Justice pertajnil\~ to computefS orth~ ~ in theUnil~ Staics, mcanl io ensure !hat stltb
pmblems arc not seen in any COUr1In lhiS'Ctlunlly again.
• Page 7f7 Nll'JCIObeI28, 2000
G. Rcs(lQnse bv U.s. Offieers 10 f'ro(l(\sed Svluliutls:

Mr Kcnnc(/t Melson, Director. U.s. O<:partmenl of Justit\:, finally responded :md rcfu~d 10 l3Icc action.
c13iming COI=rn aboul interference willi oogoing iRv'-Sligalion by Ihe fBI. Mr Kcnodb Kaiser. Assistant
Djr~'Ctlir. Ctiminalltl\"cslig:uion. Fill, finally responded and r~rl1sC<l to in,tilllte an inv.:stigaIKlIl. c1Jilllill!;
.hal I have nev.:r dcmoll,lrJl(il "{cJcrol im'CIli;:fJlio/f(l!.iuritdictit","
II. Retluest for )'our jmmediate r~wnsc:
Pl~ leI me know ho..... you wQulcl hdp mitig;:!c damages. t<>Ialing over $2.0 mit/ions today. 'Ill¢ properly is ~1 i 11
lawfully lislc<.\ in Illy naJlle. bllt \VrOfl~fully «:alpied by Ni"ic Sanl;lltn 3,ld Jac Mt~ l.loyd.
Public policy consider:ltiMS. underlying the poxsonal n~'lI1cr dis.::ussed here, must ensure th.,t the isslles are placed
at l!Jc hi~ priorily with Ill<: incoming Itdmin~ratioll.
Beyond Ihe propetty of 3U individu:d. this mall\!<' rerres..'1\I'; Ihe <1bll,~ of9.5 mill ions who live in LA County and
lt3ve been abMJoned by til<: U.S. ~ov.:mnll!n' in lit<: Jl".Sl. dOOllk, allowilll; the l ...·Supeti<lr COtIC1 and i15 jOOgcs
10 engage in abu.<c of LA Counly ei(i7.~lS. under color oflaw. It is e.x:lc1ly this l}-P;: ufabusc lhal is the duty of (he
U.S. Gowmmcll1 ..nd its offia.rs It' protect U.S. citizcllS Qsain.~.
We \\00 live in LA CoonIY arc dcpri....:tI ofdue f\mt·.c.~ dcpri1lc-d ofaa:c.~ \l'> lhe courts. and deprived of fair loal
for over a qll4ltcr of accrllUlY.
11n: continued false iOII)[i5Ofll1lcllt oflhosc who were shown 10 have b.xll li-atncd lIllt>llkJt l:eallom:d 1(>
mmiolll.'.lt is a disgr.JCC to all U.S. citi1.ttlS. and alt people ufgood faith.
Si~;ncd on Th3I1lspi.·ffis Day. the 2711< of Novemocr. 200S. in Los AIl(;d;,sCourl\y.
loscph Zcrnik
TIMRIS OF THE: ESSENCE!

nV$PONSr.: REQU£REDBV 5:00PM, FRm,\Y, DECEMBER 5,2008
• COpies of the gcatll deed, ptQ<locIxj by Nt Oav\;j Paslema!l.lotm« p:llSidootot Hoosool Justice,.. Bet Tz.edek.
putpOCle<ty a;lptOVCd by Iho LA SUperior Coult. endtl1efl ~ il theo/fia) offUr,jislt<lt1ReQ)((Ief. C<lIlbovfel'lI:d at
~~!;U:"lMl7-12·11~-Ie1fe.--bvd!HJmi>!~~
The fraud in w;h &di6ns't>'a5 conlWr'Md by an qJitWJn lclferolVell:tiln Fat ~~ J<lme$ Wcdid\. COOImende<! bv the U.S.
Congress. 1hc O.S. AlfOOlO'f General. and the Offi;lor of It>e fBI. for his COI\\fibuliQo to ~"'9 pl.Jbli; <:oovplion in
CaliO<1"i3 gOlle1TVT1et1l
cc:
jnmes \Vedic!;.
Judiciary COlI\miuu; urlhe U.s. Ilolise of Rcprc:;crtauws
Judiciary COtnl11iuec oflhc U.S. SCl13~
Ollice of President Eleel
OlTtce or Vi(I: PresKklll E1ec!
E· X'"H·····.~·I··:B·:~··_·I::T L
. " :",'
.
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.
To: M/IYOrolJl.OS 80. I'~g<' 1016 21)0&.11·1000 lN5(GJII)
I
F
To: MAYOPOULOS
Company:
Fax.: 17043703515
From: Joseph Zernik Tolal Pages: 6
Com pan)': DrZ Date-Time; 121091084:15 PM
Fax Nwnbcr: 801 9980917
-'tESSAGE ..
PLEASE SEE An'cHEO
WWW.ffAX.COl\l
1COO- ,,-,e 00. '14S IG>A II
Joseph Z~tnik DMDP\-ll

F~,: 160B 99t--O!f1 i' EmJ". II t~:t4~l'~rtntll\\ "',..,
M Jud~ sh;JI 00 tMM.I to l1x! w ....

CliCMo ~ - . . Jd(11
M~ rUe QI foNf ffiU$lneve- be coofu~wIlh tyr3Myof the alf6ts-
~
-lliE JUOGMENf WAS SET ANO THE BOOKS WERE OPENEO~ Oaniel7:tO
MrTunothy J. M3j'OpouIa;, Uealti\'c Vire Ptt::.idcnland General Courud

Dank o(Ameri<::a Corp>fdtion (Oankoft\meri:a)
100 N1ty.>nSI
NCl-oors6- I I
Charlotte, NC ~'.8255
Phone; (704) 386-70184
Fax: (7011) 370-3515
DJle: lue, 09 Dec 2u081.5:27:28 -08uo

To: ·Mohammad Kt:srul\'a17.i" <MKeshav,m:i@s!teppardmullinoom>,·Paul Malillgagio"
<PMalingagio@Shcppardmullin.oom>. Ted Max· <tmax@Sheppaldmullin.oom>
From: j=ph r..cmik <jzl2.34s@earthlink.neb
SUbjOO:: REPEAT FlIlNGOFOFFENDING FRAUDULENT REroRDS IN(x)UKf. YOUR
RESPQNSE Il.EQUESTEU HYWED, DEC 10, ;mo8.5:0oPM. Noti<:c ofstart of Safe haroor period per
CCP12B_7·
Cc: sandor_samue!s@:countI)Mlde.com,S31J1uclsJ:lndor@CollntIy\vide.rom,
;mgclo_mozilo@oounlI)'wick.mm, mozilo3nge!O@couottywide.com.
mar\a_McLaurin@alunl[)Mi<.le.com,.bbianoo@lasuperiotmurt.org. 'led
Max" <trllaX@Sheppanlmullm.com>, "Van aCYl; Pete(" D.· < pdvandeve@Bl)'anCa\'e..oom>,
&lvel1Dn@cmda-la.w.mm, kilicado@cmda-law.rom.lfriedman@l8superioItQq~
j=;u leger@!~'Uperio!1.XlU rt.org. jdarke@lasuperiorcouri.org.jdarke@lasuperlCKCQlUt..Org.
.Joonnor@lasupcriorulu rt.org.jsq;'~@Jasuperioreourt.org. wDavidJ. Pasternak" <jwp@~aw.oom>,
"John Patton" <jwp@pas13w.mm>. "Amberg. John W: <jwamberg@BryariQive..com>,
jenna. moIdawsky@bryancl\'e.a>m, l.ockUm:k@CbmtJ)'vidc.Q>ma, "attllntion
Mayo· < patrick.c-ryan@bankofarncrica.oom;>, "attention Mayo-<ocratcs@bankkQramenca.a>m>,
"attention Mayo· <jO}l:C.schilling@oonkofarncrica.com:>. <amayorl<as@Omm.oom>
Dccernber9.2008
Mohammad Keihavar/i
Shepp:lll! Mull in, U.P
.RE: RE.PEAT FlUNG OF OFFENDING l-RAUDUL&'\iT REmRDS IN CX>URT.

RESPONSE REQUp.Sl1m BY WED, DEC 10,2008, 5:00PM.
Notice ofstart ofSafe Harbot' periodperCCP 128.7-
Mr Kcshav.mj:
You fl:CenUyscnt meoopyo( p<Jpei"S}OO tiled inooutt uoderthe nameofS~epparU Mullin, lLP. for
motion to cs!llblish recovcry, scheduled for·Nov 21, W08.
1) No signatures were \islblc on my copy. I rcquestthatyou forward to me ropybcaring~r visible
tOO19ge0917 MjE.02
II Pa;;e 2J5 OEcen1be19. 2008
original signatures. In case !.he oopyyou filed in lXlurt does not bear your signatures, and you choose to
keep that pa per riled, 1 requrst th."1t)OO correct thatsituation expediently, otherwise please witlldnw
~;uch papers, and notice me:lo::ordingly.
2} Your mast reomt papers :again included records produced in subpoena by CountIywide, which were
the 000.: of this Iitiglltion. ( wrnplai ned in the past that sucll papers oonstiLUurl f'<lUd on null1Cn:os
aC()jUnts. Such rea:mis \wre repeatedJyfr.mdulcntly misrep~nted by you as the prodlld of fax
tmnsmission from Victor Parks,loan broker, to Countrywide S,ln Rafad. on Monday, October '25.
2004,5~o3pm.
3) (n fud:,as made clear by w..s Samaan in herde!X'Sition. Me Perk-> had nothing to do with3l1yofit.
Amongothenunptocn frand:., throughouttnc transaction in?O04. Ms samaan impersonated Mr Parks
in fax communications. This record \,..as nocxo::plion.
~)This rcoordalso was newr ["(l()ei\'cdby CountJywide on the &teand time indicatmabove, i:\:)YOU
misrepresented in aXllt In r,ad the mnsmission ulat generated that fax header imprint was from
Samaan in Los Angeles to her husband in Losl\.ngeles. I v.'Cnlthrough th<lt issue in depth among other
opportunities. on august 9. 21)07. in openoourt.
5) You have nt\"ef provided a1oqu;ltc authcntkation ofthat record when }UU introduced it ascvidence.
and [flIed forsanctionsagaillst}QU per<rP 128.7 for filingoffraudulcnt l\.'COrds in court.
6) To avoid that hearing, you scheduled in conillct auot:her"hl:<Hing" as)QU fraudutentlycalled it, with
rcLiredJuds<= O'Brien, who had no au thoril}' at all to hold any ·heari~· of any kin<l
7) This cou rt refuses to even ,:onfinn that Samaan v Zernil:: was ~r a case of the SuperiorCollrt of
Califomi'L Regardless,)QU were fully aware tllat such recon:is were, arc, andalw3)'s will be fraud, aI\d
thetdore any purported older, deuce. judgment, or anyothcr outromc ofsuch litigation ....-as is, and
always will be null iUld void.
8} In the m<X>t recent papers }QU omittcd.liIc fraudulent tJansmillid oovcr sheet. Rcgardlcss, this
l'COJrd is the productoffruud, <lnd it was in!roduaxl by you as (Mrto! fraudulcntevidcnce.
9) Therefore, I requestthatyou immediatelyrcmove this crootd frol1l;QUf most rea'nt~nding

papers_
10) Therefore, 1also ~ucst thatyoo submitarequesHora Ollncpro tyncotdcr:

a) to markall instantcS ....'hen:such paper appears in the oouIt file as instam:es of fraud.
b) tu \'aC3te all orders. decrees, judgments that \\'I!rt: based on such fraudulent real estate contract
rerorci
10) Pleasewnsider this notice ~o:;p 128.7 for start ofSafe Harbor period.
;JR Kf.SHAV~l1NC'.AGfQ:R.E.SPONSE REQUESTED BY WED, DEC 10, 2008,
yooPM. .
11) This mess:agc ismpied lDAttJohn Ambe{gandAttJeoD3 Moldav.s!<y. who claims lD reauthorize tu
represent Counhywidc Home Loans, Inc, asu~di,atyo!BankQrAroerica. ())untIywide Home Loans,
Inc too is requ.C!.1Ed lD file ro.:Iucst in~urtfbr the withd.Iawal Of SLi.ch fraudulent reootds ptndurei by
Countl}'wid~ HomelDans, Incas ,P3It of subpoena ~uctioffithatm:.re rcpJerewith fraudul~~
.records, and which tried tocntircl.)' fabricate 5amaan's fraudulentloan applications unde1Writing
December 9. 2OJ8
hi<;tory.
MRAMHI'.RG ANp MS MOLD1\.WSK'(: RESPONSE REQUESTED BY WEO, DEC 10, 2008,
5: 00PM.
12) This notice is also forwarded to 6.U Todd Iloocl<, Coontrywide Home Loans. Inc, y...'ho VIas part of
the "'am ullt.ler Mr Samuels, whoda'isal thesubpoena froiud in 2006. and ~tOOJy pro\'ided
fr.luduJent response,; to questions in Mectand O>nfc:r in 2007. then claimed. religious obsctvancc to
mid a ppllard IKe in motion to compel. Mr Boock is reque;ted liJ authenticate the real estate oontracl
lUXlrr.l, olhcrwist:, to withdra,';il from the rcwrd, and \\iLh it th" entire oountIywide fraudulent
~'Ubpocna. and Lo notice the parties and theoourt aamdinl;ly. MrBook isao::ortlingto Bankor
Ivnerica Office oCGeneraJ Q)t1nse1 the on!yooe authoriud to represent BanKof Ahlelicl Corporation.
That office had no ['CO)rd of Hf}'iln OlYe 1.LP as authori7.<rl to represent Bank ofAmerica in this matter.
M.FJKX)]S: RFSPONSE REQUFSrnn BY WED, DEC 10, 2008, 5:00PM.
13) This notice is also forwarcled to:

MrTImolhYJ. MayQpQ!,![os, :t\xl:cuti~-e Vice President and ('JCI1eral Counsel
Bank of AmeriC3 corporation (BankofAmerica)
looNT~nSt
NC1-o07-S6-11
Charlotte, NC 28~55
Phone: (04) 386-748.1
Itax: (]O4) 370-3515
WiUt the demands:
a} that Bank of Amenca corporation put an end to thi'; fraudulent litigation ;lnd (at(% Or3 oourt,
progressing i n its nome in the past six months,
b) that it \o<lthdJdw the fraudulent subpoenas produred by Sandor Samuels, Tcrld Boock ancllhcir
oolleague.<; in the OOlT\lpt Le&<d Division ofCountzywidc •
c) that thcybkcadion to.mitigate damages,
.d} tllatthey report in theqU3JterlyrepottforQ-[V 0(2008 such material dl!ficiency - the compromise
'If the lCy;J1 lelffi of Ban11 ofAmcOca Corporation.resultingfrom inoorporation o(lhe!.£gal Division of
Countrywide Financial OJrromtlon to its ranks pu rsuant to
~300 ,,(S;u-banct-0.lky
Sintt nw.lerial violation oflaw basoccurred, isoecurringan~is about to occur-again, as

set forth in Section 307 ofthe Sarb;toes-oxlt.'Y Act of2Q02andtheSEC Rule
promulgated there undcr:(17 CFR. 2Q51, the l.'Cnenll counsel must inform his superiors
and the authorities.. l1tis J\Qticc maybe in HOY form, butsbould conspieUQuslystlltc that
it is bein,g made undcr~~on307oftheSarnarn;s-oxl!<XAct.
,J1RMArQI'Q!JLQS: RESPONSE REQUISTEO BY WED, DEC 10,2008, 5:00P.M.
Joscph~mik
Pax: 8019980917
Tel: JIO 4:159107
la;:lI~17
Cecember 9, 2~ ". ..
·:t4.r.Ma~Pol!lu>. . '.' . ' . , :.~ .-::.<." ':<. .'

.' '[~ieY.ethat}'OU ~ nhonest man. Your hclpis ';·ClYmuc;hoo:dcdinsdting~e)UstiCe.~.~·in IA....
, ,. stJ"iIigQt:-Jj~.came b;lck from WaSh~n'. DC, wil~ Iinetsef)ior ~~ S,taff~sen~w~.~ :., .. '
·:.cqngrcisp1_en;n:qu<stingth::Jtlheyini~ceheanngso.n~coriuptj~Systtmof:l:A~ltJ\.ty:P1r ..
Samuel:;,and COun~de ha<lino.re !han biUodo with iL YOlt·~ in auniqu~ positJon."'ifteri; ~ oould
',inp~:the Sa.fcguard oflhccivil cighlsortll~9.5 millions who I~ h~~·..,herefflnan OwC;rer. tJ.S:
J\!~e.. appOinlcd in'2001aspartoflhcCoosefll Do.;ru:(2:~vl1169-GAf-Rqcould no~ m:lkeany
·difkrcnre.· . , ...
!~RA~' " , '... " '. :.

'...1:b': ~9sto~l:r3g00US partof t.he. pl"Qb~cm is tl\at",epor.ts.m~i~te that ~l?~ 8r~ '.:..
..' csti.mA~eid thousandsofp'~ople; m~t1Y'p~bJy blad!s ajld rn~titi.Cs,·wb.oweI:C'-' .
.. : .ronfirme,;:H~nocCntalncar,l}·.10~-ear:s ~go;but !,laa.~ft3·~~. l?i~tr~~~I~¥::Sucb .
. "', fin'!1~.w~ ,':9J~~rmc4·llg~in:8!l~~~ii:t·.bY 3 ()t:':4:in~.~~"e~~ui~o:~!~~~~!=;_:· . .-
.. T~~la.~or.lt!cnt Is.the Jj:luc Ribbon~port.of20~6j T'ef~ri(X:d~9\'{.. ::J:1i~·~p.l.c.·."
:l:\~ stil!Jal..elyimprisollod in.lA Co l1ntyj.l.lOder.lhc BilloFRigh~;'and 9ncJ-::ati.~ Un<;J~.
(',od:. ' . . ' . ". . . . . '" . /': .: .: .'.:. _. ' .. : '.:.' ,,-
Mr:l\fayopot.(los, let me :ISSl,U"Cyou;:if}'Ou·affect.the s-deasc.QftflesePeople;:wlik.h [
believe is:within your powers, YQuwouldb~}'your. place in U;S:·Historj'.: .'-" .... .
PI~sC, :1 'pray, let this be rous- ~~f!a.l pro'bo,ioproj~t, plea.s.;ri:lnove ~is. bUgh t from'"
th~ l\~<;.o.fthe·.unitcdSt:l~esofAineriCa;· .' .' ..:." -.:.: :.:::;: ':'. " .,: _
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..Judge tJ1lJQ bo t.IfMJi to tho 1;tW••••

~~Jud_lo!lIlI
"Th'1 rul. of law must l1WW be conNSOO wttn ~""Y ofthecourl1i'"

--.--
Y.ENNElU O. LEWiS
ChailtlW1, OiiefExeeuOvc Officer and PtcsiOOll, Bank of Merica CDfIXlI'31ion
KEITH BANKS
l'cY;Sident, Global Weallh &.lnvesaneo! M~c:nl, Bank of Amcrlca Cocpolatioo
Risk &. Capilal CoouniuC<! and Manag.:ment Opetaline CDovnittec
AMY WOODS BRINKI.-EY

Global RUk &eeutivc, BsM ()f Am<:rica Corporulioo
Risk &. Cspilll.l Committoc and Managemart Operating Committee
JOEL. PRICE
OUcfrlJlallciai Offucr. Bank of America Corpomtioo
R.Uk & Capi~1 and Management Operating Coovni«ecs
TERESA M. BRENNER
Associ:llC General 0ltJnse1
WILLIAM J. MOSTYl>!.!lI
Deputy Genaal Counsel
and Coq>Or.llc ~
1'<'E1L A.. OOnY

Chief Aooounting Officer
BANK OF AMERICA CORPORATION

100 North Tryon 5t
Bank of Ame!ica Corporate CentCf
Charlotte, NOtth Clm)\ina 282SS
R£: Roquest (01" immediate iotervention and curbillg ofSandol" &imueb. Ttme is oCUie ($$er\u!
Sir. Madam:
My recocds show !hat in early february 2008, Isent cad1 ofyou Ii certilied letter, lnfOlltlin8 you ofmy abuse at
lhe hands ofCoootywide, prior to your tlkcoVCl". J Q(p<:dl;d lhat foUowillg tho tak:c over lIl)' abuse wooId be
stoppod. This is the fDUl1h year that 13Il1 the subjoctoC Wuse by CounIrywide. It Sllrtcd 00 5eplonber 2004
wlwn Nivic 8amMn prc:salllxI me mth l frAudulmt prcxlU4!ifleation letler, then filed hudu/enJ.loan applications
.....1th Countrywide, wbileeog-aging throughoolll1e transae:tioo in wUd.fn fraud agaiml me an agaiJ\st
CoUtltrywide (but in ooUu.siQ<l wilh BrMch M~ Maria Mclaurin) by itnpetSOO8iing a loan b"*er - Viet/)(
f'SIh In £ax c.ooununications:
htIp:Jr~nlll~{J7~):jl@~on-kttoc·o4f
hrrpir~a.co~.o1-opinion..fd1U.fiwd.j!\:iKt!.1!1ali6g.i9l8d1a-sJlC!f
http:JrlD!)[Qj)Crilllll.ooMl+9N7-<foo.-.W-5IlIllaIIfI.fraudulen[·Joan.appli~
DEC e~ zeea 22:51 FI OF AMERICA 7fJ43864579 J180426l12B82 P,02
• Page 2Al
hltp1JiTP'9pcrln[i1.c0m/04.09-27-<lp!nkln-k:tter-~i;"ioan-'applicatioos:§ip;na!utO:S.pdf
h!lpJlinKopcrin!a.<<lI!!!O+OO-27:Mr1Ua1l<9\lTlll'yWidc=fraJJduJent-101ll\-8!!(1lication.pdf
Iinp:lJioproperin!a.cqmJ(H-10-14-<:OUl1tryWitle-mderwri1ing-!@-s.pdf
hkJrl!1!J!YPClin1a..comfG.i.-1 O-18-2-smails·in-re-wi(Q.fll)(·/imxl,p<Jl
The lfans;u:l.ioo never outcriaJi2Of as a (t$ull or such frauds. BUI S;tm~ Mclaurin. and othas led a bade·up
plan - to ob<ain !he property tivouCh B. COIJft fiaud••
A totally new histoJy was invented for the loan applications, in 8 fll'OCtSS that Involved Maria MtLawin - Breru;h
MAnager, Nivie Samaan - Borrower, Via« Parlcs -Loan Broker, Moluxnmad K~'Mli (Sheppard MuUinJ -
counsel. aM. he Arre Lloyd - the MW behind \he scheme. MAria. McLamn provided fJaudulmt dccIarations,
end the lc8a1 Divi!IDn p'ovilkd liaudulcnl su~ ofdocuments:
!!!!nt~n1aconY.OH~i11b ... 112..ooc.38-Q)uptrywidQ.rn&lamll-fulse-dt;el8ratioos.P-2f
~l!9' 25~ Nivie Sanwn, a straw bllYer, WI1<l tailed 10 gel her fraudulllSIt 10lIfI applications app«lIIed.
sued me ror Spcx;illc p~ or damages. The Iiaudulcal. claims in the complaint were cntircly msdc up.
But nobody in his or her right mind would have Illed such oomplafnf, unless she knew fully well, how 10 rolW:d
with the 0Sh1 ju~ and that that Counttywide, lit all levels would Support 5uch an endeavor. In short. review of
the C3SC is liuly to bd to the conclU5ion that samean Iud coosulled witl1100ge Connor evtrl bef~ filing the
complainl
Similarly, Ille con<Jue;t ofBrym ca~ l.lP. and Shcppacd Mullin indicate:! that they too ialow exaetly v.t.at lbcy
WClC doine. and \YCl'C fully c:oocdinal<Jd wi1h !he judges. In shott - a civil cowt system, wtUch just like jtg ~ the
crimifllJl court system in l.os Angl:1e~. is ~ntircl)' c.omJPl MOfcova-,1 hold !hat such a sysltm was part afthc
infrastTuctvre lhal. allowed <Mm\l)'Wid.; and !he !l\Il}-prime aisis to fully develop in Southern CalIfornia.
I) In D~()(!mJJa1006 -I WsCtNer the (rtJJUl ill OU/ltMF1LkmbpMntl pf'Ol!Ju;tiJm, and SO<M a{tn (h1Il - thaL
iJ war a c£rtup(OrgrmirJrtWII Ctlonlinau: o¢vl!r, llIIi lrrdJkn/o/ >19''
9fan buIMdual
I was nolsupposcrl to know any afit. 111 fiKt, I oeverhad8JIY business with Countrywide, and did nolevOl
rOCO{?liz.e lhf, name. But in Novtmbcr 2006 I got suspicious that my COUll3cl for a YeM and a half, Otsrles
Cwnmi~. was dishOOCSl, 8Jld in Occanb<.lf20061 wen110 his offio; Bod llSkOO to ~ew lbe disawt1)' file:;
(since I had 1\0 la'QwIOOge of1he Iaw,l did not lind eny use for readiClg die legal p1eadint3). Within 15-30
minUleS 1reali7.l!d Itu4 Courrtrywille, amoltgage lender _ colluding.with SNua.m in -p-oducing fuwdttlent
~ lIIld thaI my oowtsel did no( tell me any of it. Eventually ~offi:m1 1M a $25,000 fees walVtt to ~ve hi~
office.
A mnple OfCoWllrywide SIJbpo<:na (one ofS. almost idcntic:al, all ino;/uding ~ li1wdulent roooros), C:l1I be
S«lI at
ht1p:lrUlprO~nlll..comI07-m..o8-oJuntrywjdc. fraudulent-subpoclla:p!9duetioo-e-s..p<!(
In ~bet 2006 J st1rle<J by Cll.lling the Legal DiviSion, the Olstodian of Rr.cords, the Attorneys - Todd Boock
and liIlJ;:I'San!on:l Shatz, IlJld the San Ra.facl Branch Managu· Maria McLaurin. Pretty tast it I»:amc obvious
thttil \m not aC85eofone person, e.g, the BranchManllgCf, who mislead the attoa:leyS. 1[lS(ead, Ibc pk;tlft that
~ was UliLl halfa)'cur or a yw: earlier, bcfOcc I even knew lha lll1IIle Cowlllywide, I was tiIrgtUd f« real
estate ~ 8Ild !hey all worked as a v.dl reheaJ3ed team in ~ucin8lhe fraudulentsubpoena rcuxds to support
Sam1III1l'S fnwduknt clAims.. The OOfIlIcdion was that her husband, Jae Ane Uoyd, apparently acareer whit<:
colbr crime expeJ't, was a Mioan origlnaW' for San Rafael Branch.
DEC 09 2008 22:51 '1( OF At1ER I cn 7g4:J861157~ 918042642082 P.0::!
Dooambor 4, 200&
2) Etu/p 11J()7- co"Wlninls 111 FBI are ulJu.ffl'11.

I hsd 00 background in law, in banking in mortgageS or in .eaI esIate, but I had to learn it 1II1. By JiWIlUy 2fXTJ.l
flied the tim complaint with the FBI, Jgllinst CoullllyWidC and Samlllll\. Moog odlCf claims 1made _ the
claim lhullhe wholesaJe tnanch was involved in nwsive fi'Rud against tile: U.s. Govunmcnt. The ~ ofit I was
ootsure of.
By MP£Ch 2007, r made first estimales that the liability to tile: U.s. &o~l was in the bundreds of billioos,
and that was whcu Iht Fallold me to ~ 61mg papas at all I also IigulCd out some specific tnud melbods used
in such ~'esa/e bnInchcs rthllive to the o~ of Edge, an relative 10 Ute operation of the fiDl S(t"VC'fi.
By J!!ffiOO:, and &gain by Mardi 2007 I RIo;! a>mplainlS with Office ofThrift Supcrvisioo an Fexfem Trado
COlllIJlWion. Both agencies hIlndIed the complainlsdisbooestly, trying Ioccn.w up Countrywilk's llIliawful
condi.lCl, but Ute Office offedt:tal TI1Ide Corruni3SiOll was unabd1ed in thi3 ~
By II/\;ych 2001,1 also m~ 10 loca~ the original ~ofSanwJL's Iom;. Diane Frazier. wbo was
laid olfin eMY 2OOS, r figurcdout fiom Ihe undclwriling ~ thestrugg~ betwt:cn Mllrill Meu.tlrin, Branch
Manager. a....d the Br.mch Senlor Und~ - Diaoo fr.ttiCt" and Corporate Ull<Icrwriting Officer - Demetrio
G1tdi. in D. situation \YIwrc Mc~n was blalantly pushing them alQLllld ill her determination to pcqlCf#tI: fraud
oolhe u.s. Govanmenl an 011 CooolIyWide share hoIdcr!J as well (Samaan Wll.~ offefed 110 foes on a loan th1I
rcqutroo 0.75°'" foes).
J) /ilardi UJ() 7- [=I I !lUi nbl f4st tkafh thrw

Diallc Fr...-zia, in a leflgihy phone call on Mooch 11,20[1 in lhe aftetnoon. confi.rmed whllli have figwro out
from tile undctWriting mJOros. and added much ~ to my Illl<lentaodirrg of I!lc: corrupt ope1lllioos in San RafucI
and the Legal DivUion. heado:t by SandorSamutl:!I. But lhete was no way Itmt the fnlcmal Audit Committee,
headed by Angelo M\I'l;Ilo YIllS fitnctiOllal, ifSamun's loan eppliOltiOl\S ~ presco1lod ill January 2005 for
funding to CoIalhywidc Bank (and immedillldy dMicd).
Out wilen I called egan, on M!\I'cll 14. 7fYJ1, a IT1lIIllU\SWQ'ed!he phone for Ft82ier. PDd claimed \hal she was itO
l00gtt there. MOrc<lver,he cxplaioo<lto me lhat FlaDCt" was never ~ ID tUk with me about CorJr,Irywidc,
She'lll'aS prohibited from tUking abotJt the subject He Ihcn told m~ I1l$1ll:r of fId - "/ you mIl /let' tva again-I
wi1J C()~ down to LA fUJt! gun yott dqII'fI. .. Wheu 1tried to SCIYe sobpoeoa for deposition. my savice pooplc
SlBIu:d the 00u-,e roc days. frazier, who was very happy to coopeI8((l with IDe by phone disappeared, &nd they
WCIC told that she no long« lived tbete. I recently called the lIWllbcf ~ ood Fnrziec ~ed the pbooc ~
Obviously ~y Ml5 hidillg a malerial witness in this case ofe«pomte Iiood 0(1 a gnmd scale.
Frazier's rontac t informatiOJl was and sli II is:
4329 Gloria Ct
Rohnen Park., CA 94918
(701).5&6-1479
-I) AftL~ WMUd (0' MtnikJ's IZJld SIuttUds' lulp in s!l>pplng t1t~ (laUd H'm' Idt IUJCI!!Sl'H:ffl!, IZJld
C-""ntrywUk's fraJUI ,te«dr ~ t1t~ (DlUfdtdion o{S<vn4gn's fraudufm/lfgeatitm.
Some ofth8 records that YlefC OOviolIDy frauduleat, and secvtd as the focndation for the fiDudulenl claims by
Samaan~e:
a) Ulldc.",.riting uUcr d. ted O«ober 26, 1004, ~ich Colllll.lywid( llOd Ssmaan fraud\lIcnlly rqnsetltcxI
ill 00lJ1 as II valid I.lIlderv.Tilin Jctta- dated Odobcr 14,2004. In ftItt. it wa3 neYCt" part of the true loan
application file. That record with some expIwtoly maIaiaI can be viewed ~
DEC 09 2008 22:52 F~ OF AI'IERICA 7043864579 p.e4
• Pngo4lO Ocalmbef4,2000
~:IrI!lPromririlil.eontl04-(~26-d~IlIl!ryl!idt-ftllud.ulldtn'lri~.pdr
By now, my MSeltion o(fnIud reletive 10 the dllting of litis teCOfd il: :dso suppoc1ffl by the opinion leiter of
n8liOlUllly ~laimed 6il.ud specialist:
http:/L!'!Q!opcrinb.('()11I/04-'6-1f.opini6n~~r-<oualryWid~ndtnnilillr:-ktt~l6-s.pdf
b) Copy of 8 rt31 t::Wltc OOll(rad that was the product of fill tnlasmb!lIoR marked as of Oc:t 2S 2004,
5:0Jpm_
None DC the rewnh was ever authenti<:alcd. and in Chis casc, the recol'd WJ.S liatduJa\t!y reprcscnttd as
faxej from loan Broker Parlcs to Cou1tJywide ~ the time indkaled above. In wx, lit that time it WllS
faxed from Samaan to her husband Lloyd. a5 part of Il. coowIUllXI fWwire fraud schcroe agaimt a
finllnc.ial institutioo, but in collusioo with the BnmclJ Manager - Maria Mctaurin- In faa.. most of !he
records in Sarnaan's loan fill: that bear an unidttuified fax haldcr impcillt bcl<mt 10 dlatscheme..Thcy are
mllCle III appeal" as if ch<:y anivllll 81 CowlIrywidc 81 1tw lime from Parts. B lit 10 fact, SIIIIlIlIII was
~ P1Irh in filK commlll\~ons during dw whole period, aM the lime ~ tIlesc ROOrds
arrived in Counll'yWide (by email, IIOl by fax) was IJ1\JCh Wt (WI:cl:s late.- ll! times). All oflhis was of
~ in violation of "sound banking principles" lIIld Ikgulttloa B of the Federal ltC5CfVC. fqr
C1I:3mple, judging by the Undefwri(ing ~ !he l"CCOfd in 2) above, was !lOt part of the tollll
AppliQllion file evtll by N2vtnlber J. 2001_
1k =1 estlle ronmct rrmrd C<Yl be viewed at:
hltp:IfU\(lropcrinla.comJQ4.IO-2~5<oaDtrywid~rtaud~lllnlet-n>eonl.pdf
By March 2001 i 8lso sent the fin( Ienm, dlltd1y to SaOOor Samuels and Angelo Mozilo, as the two iOOivWluaIs
m whom the integJity of the OpaRtions..as most cbrly vested. and ~ I~ they Buthcnti~ or JqlUdiatc
some oftile moot clearly fraLXlullll'll rcoonIs.. They neva rc:spooded. end the Lq:;d Divi~ioll ~ ~ in
manipulation to avoid en honest atl complete prodllCtiOl\ Por I:lI:3mple - the lega.I Division decidaI that email
wen: excmp(..• and Judge JacqudineCoonoc(bestlcnown for derailing the RamparttrlaJ in '2000. which led to the
appoiollncnt of a civil rights <:>venter for Los ~es). cut Itly discovery time ,holt
By Junlt 2007.1 found out that Me SlIUluels was the Pretidalt oca dlaril)' that goc;:; by the mtlne "House of
lwtice", and that he wtIS advertising on Ih<:: v,,:h a eatTIpllign ~ frauds
lbal advat1'>OllCllt can be vieM:d at
http://illproperinb.coml07~29:bd.tzcdek·,,cb-pagts-w''ll8mumodf
Thcrtfore, by !!le fyr.a, 2007 I follo..,.cd up on the ~ in the adv~ lldi aseaJ brown evelopc in
the offices ofBd TT.edek eddr~ to:
SBndor Samucls
President oflhc Board
BdTzcdck
Pusonalllnd CoafcdeotiaL
In lhe envelope (left a letter, with copies ora couple oflhc fraUd ICl:Ol"ds listro above, and llSlco1 tIl2I be help stao
tlY: but agaill..<;t me by eithel: ~~ Ofrepud~ the reooros as filieIy ~ in coon.
The response was switl The: web sil<: of Bet T2xdok disappcuml wilhin 48 ~ and a wed<: or so taler, wilen it
~ thac was IlO tnee of 5.1muels and his CllIIlpaig,n I(:8inst fiaud in it anymore. The wOO ~te was
3du!IIIy en olden=ioll trom 2005:
bttp:Jrmprop¢nb.r0mi07~1Q.ooun~et..(udd(4il~f
DEC 09 2038 22:52 Fh OF A~lERICA ;'043864579 ... 19042642082 P.0S
Dealmbet 4, 200S
At the same time, Angelo Mozilo also had a web site in whim hcannollllOed his commitment to kaud ~ULtioo,
nnd thai. he o~ a 1An Fraud Hot Line. I tried 10 cal I llulliro numerOUS times. to fIX \0 Mozilo, ete. But the
never got My nlSpQl1SC, and wbcn r tried 10 follow up. it tumed oUl that my (cUtIS, fax,"" always disappeared.
r thell dccide:d 10 email dicectlytobolhMoziloandS..muds.ldid not know Ihtir eroail address. but [COM1CUClCd
it in aaordance with !he SYJICL'C of other email addresses in Countrywide.
5) Ju!r 2()(J 1- glUt o{rdb.llrdJon. haNlSSIlIbtt. mu/ ~ut: jfbus~ o(mv civil righq hv CO~{ /9' CountryIflW~
- 1l/')IQ"Arn;UP
The response was swi ft.:
On Jllly ), 2:OQ1, I rcoxivod the first ~ of many. Irom ktIl\a Motd.'IV~ and JObo Amberg, (Bl"JlIn C...e,
LLP) IIfId I Y{,I5 told to appe8T on h!ly 6.2007 for 3Il ex perle Application by CountIywide for 8 Protectiv.: O«l«,
which was n) Not 3.llowod at that tim~. since olSCOVay bad a1rea.dy been ~inatb:l. and b) Was a not so vdlod
cover for a gae order agairn( me..
nul only much laler, I realiwl that die procedure I.W'S conducted when the CoottofJudge Connor was uda!k",
both ligllnItivcly and lilen1ly. there W1lJ 110 derlc prc:sad, an then: was no other person thett for court business bot
us. In short - it was a pillCOOl1rC ofT the rwxd and off !he caI~4Ar.
Judge Connor did llQt award the n:q~ gag orda 011 tmt day, or ~ I w.u told. Judge Coonoc w.u nevef 10 be
$Cal. /\ p=oo I have never seen befOl'e or after came out 10 rdl us the ~ No rnin.ute onIer was issued
for that prooxlwe in Ihc paper CQ\JIt file, and ill ~ seaWvc LA Superior Court ClOIlljlIllCfS systems it ~ written
with Ih<: CUllllmllt NProcedur~ IIf}( ncor4ed':
Months lalCr. lNholl &:mllllded that Bryan Cave, lLP, expllill how sudl proccdwe was schec!uJed, out of
eootpIiallCe 8Il in violation of the law. end in severe atmc ormy civil rights, the only response [ go( was lJlsL
llolhing improper was dolle.
6) ~ as.swnd a status ~ ~ /a" itl 1M lAs A"Cdes Sry!uitw CQlln rPiJII purnisribn 10 mgrrt:~
III crimiIItJJ C9n.d=t with 1M. bl=i!!C o[11tL QJut1 itrel/
Judge Coonor ofher own volition scheduled aJIOIho:c Ilcarin& fO{ Julv 23.'JJJ07lo continued !hat request. and she
allowed Counrrywide CD re·file anew ~~ sinoe the filstOlle WIIS soOlllrag!lOOSly abusiV'Cthal sb: probably
felt uncomfQttlblc with it at all But she never sr:t a deadline for CoUDQywlde to file the new moving papa;.
while !JIe dld set ade8dlineOll me fur luly 12,2007. AIlbceod r n:afux:d thatlhc~TOOving papClSWt:l"e S(Ot
by email..ontheevcnin£ofJulyll.2007.lootic:eda~OI\myt.mail tb3l.a luge J13Ckagccoold not be
delivered.
In court Judge CoIl/lOC" stated that she \.\UIIld sign a pIOIC<;tive order f« CounllyWide, but in fiIct, II"ICnhs later,
v..1la1 fo~ the firsl time I was aJlowtd to a = the Cowt file, IlelI1iZJ:d !hal she never issued sud!. an ortler, on the
contral)',:!he dclibetal(;!y rcwrded deni.aI ofthe J>roposOO OnIcn ofCounlrywide.
ill Los Angeles Superior Court - neither I nor my COImd were aJlowod any aooe:ss or arty notioe of llIly COOlt file
paper.! for almost 2 years. I was allowed 1.0 ~ some oft!le court fi~ for Ihc IlI'S1 time ooIy in-August 2001. ahn<m
two years since the start of litigation, and day prior to 5UIIlID<1L)' judgmmt batriag, ba3ed ()II fraudulent
Countl)wide reo:lfd3. To this vay <lay I am IIOt allowed (0 inspa:t lheoompula oourt file in this case, in
violation of the California Court Rll\es, and me law of CafrfomiA IIIId lhe Uo.ilo1 States.
The bric idea was Ulat 1 ~ not allowol to lISle Colnrywlde uything about the fraud they were papetratirrg
against me. (W/IS also detlied the right !Xl tile rompufsnly fund claims against Countrywide in Coonor's rouit.ln
fad lolhb very date, it is IIOt dear what Countywide status YilIS in 1b3t CO\Xt
OF AMERICA 70<13B6457S 18042642082 P.G6
• P3')9619 0ca!m00r 4,2006
CoootJywide claimod Ie be "Noo-Party", bulme oourt interdlarigMbly designalOO it Plaintiff. Defendant,

Intervenor, Obj~tQr. CroslHlc~ with no teaSOl\ 01 l~ f~llIiOl1 at all. Cowt records ~ writtCll in a
maMer that was clearly meanllO hide the preseoee ofCoonttywide ill the com room.
7) In a sates d{[roJJJis I.ry chi! Sgnuurn. Countryw!dt; and the Court, I war d~ ofmv horw:
a) StlJ1uk ofFrauds Fraud
Samaan fi1<:d heT oomplainl. in Oclobcr 7.005 with 1\0 coornct in il On hrnuary 30. 2OQ7. J~ Connor ovcnuJod
my dcmwrer 01\ statute of fuwds.
In Iatt>Jyly '2007, Ove/ Q ycar8l1d a half lata- she allowed SamUllIO en~ B5 evidelIa; forthc tirst time!. tho
C()l\b"act 4e.\1cribed above, which was only prodoo;d by eoontrywidc. and no Olhcr PQltY, as lhc ool1tT1!Ct th31 was
!he ~bjca of the litigation. in Reply briefto SUIIIIm1}' judgrnoll. molion by Sama.an.
lJ) FlTUldufmt SutrfInlU)' Judgtnenl Hwlng
On Augusl 9, 2fXrl Judge Connor pUl'pOltlXlly heard a mOOOll (01" SUllllIIaI)' judgment. The standud of
adjl.k1lcatiOll in such motion iJ ftull the finding is required of"nD 4/spUl4bk materiolfadS w• At the lime of the
hearing.11uId OIl dlC coon oUcrular Cot Scp( 10,2007, ahI!aring 011 SlUlCtioos ag&nst Sheppard M~lin CXlunscl,
forkoowingly tiling in court tho fraudulent tecords tiom Countrywide, sudlllS the • 'og ldkrofOc;t 26,
2004. mislepr~ lIS of OCt 14, 2004. BAd the contract mi5l:q)KSCnlcd as arriving Countl)'Widc on ()c( 25,
2o<M. Obviously the v«y COle filets in this case wae OlSpulable.
c) EnJry ofJut!gmolt Fraud
On August 9 2007 Judge Cooror retldered a judgmelll for specific perfoononoo to pel me to sdJ Ihe property
fO ~ for a pOoc Uwt Cllceroed mlldct value, aoo
with 00 allomey fees lO be poi • The Judgment can Ix
viewed 31:
http:lrlllproperin 'il.WCIII\)1-48.{)9..iudl'Jll¢ll~ing-5UmlllllJY·iudgJ! t-s.
But it wes clear to me fO( fllQIIlhs by fhal tim.; that the litigation ~ erordy Ii2ud, Ii A to Z. II was aI50 clw
\0 me. ba:led on ru!ld~ • tlQ1 the target was my equity money. and 1he11he roethod speci1ic pafoonanoe for
a couple ofreasons:
I. Derived from equity 00IlJ1s, it dQe3 not R:qUice a jury biaJ. mal<il'lg fr6ud
u. GM:n its unique 1UIure, the uecution ~= the escrow pr0c:es5 to by the coun.
In the lIlOIllh lhal roUo~ 1udge Cowt9f ~ in fraud rclalivc 11) themby-ofthe "ll<fgmctJt. She neva
*"
enlered the j~nt, but tried to lll2.ke II1e JeCO<d coovoluled as ~bte 00 that Why she: never entered
the judsmcm? f have some good i&as. Ho..... oould she do it? It i, easy wbeo Uti are never allO\.ved to see
the ooort =ords, ag i, the CZS<' in the LA Superior Coott.
d) Appo(ntm.mtoffraJUiJJknl"Escrow Rqoa"-Judge O'Srlm
On A!.!gust ;m. ?f)Q1. in ~ 00<Jl\ Judge Connor 5lll1(x:\ th8t she WJS going to is3uc:
escrow refm:e. 10 opon court, by !hat knowing bet liaLrl mutincs, I a.sh:d Judge
issue an order that was in CDllIpliMce with the law. On lhe transcript she stBtod that
Tha-eli:ln; w1r:o the rcfmx:contactcd me; [demanded lhal the.mrcc prcsr:nt bIs
Shepp.vd Mullin and &mw.n wuc noticed by tile oourt, but I \WS nr.ver aJlowed 10
referee, 8 rclirod judge pr=lJ:d foc the fuwld4linn ofhis a.uthority <:an be seen at:
http1/joproperinl;t.l:OOl!97-9'J-07-'looen±p!!pers-s.pdf
DEC 09 2008 22;32 r- V. OF AI1ERICA 7atl3BG4S79 J'8042642082 p.e?
• Pilll6 7J<j
[was amazed at the eoopmtioo ofretired Judge O'Sritn in sudI a fraud. But he. was I detctrcd, and coolinue
his obstruction oonduet Ulltil early <Xtobef, when he ~igncd.
t) A ~of afraudulatl "Ree.enu· -SaMO' &muds'frknd-
By now.lb; file moval to Jtdge Segal, wilh 00 assignmml Otder, allu ludge Allan almost a month
s1kr ~ the CIlse with 00 ~ order, recalled his ~long letm dose pmbnaJ ,/mdrhip wbJI ih~ chi4
legal olftar/0/ CtJantrywikJ" lIlId recuscrl.
AU Kesllavani (Sheppard Mullin) and the court lhc:tl c()lllincJy blllll\~ IDe for my obj
rclatieve to the JlUlPOl1aI cl\ccution orllle judgmentthlll was IlOl acknowledged as a
e.g.-ludgeO'Omn wu ~pn:sealcdwith Ihejudgmeol forel(ccotion.
Ju6go Setal and All Kcshavani that gave II four day notice fa" II. hctuing on ap' of rraiva 00
November9,1OO7. When tsaw!he movingpapecs I sent a1ll\Olice tIllI11 coosidered tyCl aoother fraud. The
order appointing receiver nover rcftlcnced My section of tile rode as the basis fur his tOOt)', he was 1101
Icquired to execute \he judgment, which was not refcrenecd either. And Kes!llIVllI7i .n fulUdulClldy replao'Jd
the Illdgment with the Order Granting Summary JudglDttlt in is moving p;tpefS.
The moving ~ and tile ordc< can be S«J1 at .
hl!P~I49I!1t08-06-2+Yhibils-voI-v-@eivfflP.::·
f) Fuf11tU' UIW: by Pas1unok. (1trtJrt qfuu off/)f~ tq ditpM:fm mt; lUI
t1JIr.
The ooler lIjlpointing n:reivec never included the jUdgment Had the execution beel judgment, the court WBS
obligated by law to disllibule to mc my equity within JO days. SiJUX. there was no rei c¢ OIl the judgment.. tfle
rourtcould no( ~9. Wri!of E.x=mon, ~!OO"did it issut.:lft AbrtrlctorJudgmen Instc:ild. dlc 0QIlrt rcliM 00
~ forward fraud..
On Novemlxr 21. 2007 - David Pastarek: and JaJdgc John Setal lhnl2Jaled me with offoo;c if Idid not
Y.I:3le the property. But lIu:y could !lOt issue an Unla.wful DellJiner, s~ they wuul 001 rely on the IudSJ1Wll
1 WIlS c:xhalrned, and 1bOO a plaa: lImt WllS Iall1V&lCd roc lIll: for sever.d moolhs fillill ready, I finally did what I
WlItl'",oo to do since 2004 - and lMvrxl closer to my office.
Ifllale Nov<:mber 2007 David Paswmak furcibly entered !he pI"OjlC(t)'.
On ~ 7. 2007, l was subj~ to two additional abusive ex part procedures
Escrow lind TrtIe rompanics. The: CUUlt WlIS in the prooc:ss oC pcrpc:tIeting real estate
expta.ined (hal well ~ to escrow,l1tat lhe escrow officer refused to ~ .
dcvisal by An David PastwW, ilia II dooe fiicnd ofM! Samuels was several-fold:
a) Gag onl= on 1M, 10 prevent pro!llClOO spoocl1l defms.e of self. b) an indmrity
escrow, 8\ my CXPeM; of 8Jly liability from collusion in mme witll the court. 0)
againsI me.
In the filS! of 0=. prooedure:> Attolnll'l from IJocIWta Neroa-, Richard Ormond.
nOt the judge (Lisa Hert-Gole) would ~ to disclose his name IX the name ofli! d
Ana ~ 1. 7007, thecourt lile WIlS moved to Judge friedmllll, a perwtmI fri
(efused In produco aSlBlcmeat on the RoOOrd regurding /tis rellllionmip with 'de., or financial bmefits to
him and/or ~y members living with him, as IUjIIimd by California law, and cW r
~a1 rc<.:ords end fucther Ocscriptioo ofwbat took place 00 December 7,2001, can
h :1Ii . .com.i)S-<)6..2<H:xhibits-vol.v . M YeS
DEC 09 2008 22:52 F~ . 0F ~MERICA 7043864579 18042642082 r.e8
• Paae lVJ
By Jlsg;mba 17, 2007, A!Iomcy PMtcmak fi1c:d frwdulc:nt glOllldocd on my pro in the offia: oflM
RegistmrlRecordcr of LA Co\ll\ly. To tills VClY day I Mvcnotreceiwd a pauly !be proceods of the
purported sale ormy home.. The fraud by PastcnIak on bd1alforllle COWl: was cd by velalln FBI agent,
James WedicK, deconIled by lhll u.s. ~ by lI1e us. Mome)' ~I,llIld the FBI Diredor. His
opinion Jdta oflhi: traIl58Clion by Pasternak for the court WI be vi¢wcd 81:
~rinla.comJ01-12 .. 17-()pinion·Idtq.-Itaud·in·gJ'1l1lI~·s.P9f
8) luI: f1iedman - (J clbu .

00 ~ ~ Judge Friedman, in an WJrllCOfded adjudication, with no j .•
(be never b3d any e39igrwenl older, -lilce all olho: j\ldg(s in Ibis =}, imoed an DC
Connor', &lit Older (which she had never issued) from July 23, 2007, was "in jIIUfi ond ~ed".
He Ihet1 proce«foo in February --Mycb, 200~, at Ihc urgin& ofCouolJywide, 10 SlIllCti a me forsn,500, for
vio!aliQt\S in 2007. ofan orda thnt he: fabricated in JII\lW)' 1008. He II!so putp<>rtodI follld ~ in corrtemplof
the court. 3IllhteatQlOO me with jail.
Abuse GON;i1\IO to lIlLs v~ day.
9) %0 is Bryan Cure UP fgJfqgrJjne Wdavl/s il8Mk o(Amvlca Corp/Jrfztiofl

The latest was a motion by Kcshavaai for SU!I33lI to esl8blish a ~R«overY·. la fact, e abuse could continue for
eva, slllCe iliae is no i udgmem in Ihis C<lSC.
Ofnol1l, inte=lt rtlQnths, I hllve scot Bryan Cave, LLP, notes dananding 10 know identity oftheirclienl
They refused to answer. Given my cxpaiaIce \'oith Ill1Y ~ible fiwd on me in Ibis I assume !hat !hey
/lC\'et disdosed 10 Benk ofAmerica Corpocatioo of wl\3l1hey weK doing in the los es Cawt, and probably
bcU1g funded by Sandor- Samuels, who -I have no indic:ltion i$ alfhociz.od by Bank f America to do so.
Not surprising - the Court of ItJdge friedman is in coIll15ion in this fnud. On 0clllbCl"
fota bearing on Nov 21,2008, To hide Counlrywide's parti<;iplrtion, he i!lStl<:d B b'
rcfusoo to aclcnowltdge it 8S a valid COOI1 notice.
I fllld it batd 10 believe that Bank of ~ Corponltion would plII1icipaie in such
believe that BMd< of America Olqlontioo ",wid like to distane-<: itself from the rom!
.Counbywido.
I r-equest rhat yOll inform me as soon as pOS3ible, but no later than F • 11 Deo:mber 12
2008, 5:00pm who u aUoweil to represent Bank of Americs Corpo 'on in oegotiatWn for
resoluri?n oHbe cu.rrent tnlVesty.
10 What it Sam.ann II Zunik?

10 recooI months I have bea1 writing to the P=i4il1& Judge afLA Sup«ior Court St
explain to me:
8) WInt is &1'1UJ(Dt " ZerrJk?

The evidence lIS a wnole indicaRs!hal it ~ 00l.& case of the California S
b) Why is no judge appointed as II:IqIlired by law lhrough an assignment orda1
OEC 0~ 2008 22: 53 J OF AI1ERICA ";>043864579 3\8042642382 p.es
c:) Ab=t such assigJlll)tllt ocders, what is the authority of Judge Friedman in
d) Js tMn: 01' ~'llhcre 3 judgrnatl d13I is tnlt:n:d, valid, IIIld elfectu.1l in dlls:
~ offi<:e oCtile P~ding Judge is lclUsing \0 allSWtf!
Tht answer lhat 1have IOICbod is simple: Samaa>r IIl.m1Jk is an ~ Thrck ofthe los: Angeles Qxat.
I believe that there:are many csses like thi3 one, but nobody managed to d~t it c.arefully as ! did.
I know it Is sounds llS an absurd, bnt [ have tried almost anything els by DOW, tbi.ol is
almastlast resort:
I am pleading with the Board of Director.J of a corporation to pro my civil rights
pUmJant to the Amendment to the lJnite States Constitution, for S ~ forDue
Proces:J, and for POS3t3ilion, and ror the Common Law right to ac judicial records, to
inspect and to copy, affirmed by the U.S. Supreme Court in N'm>fI v. ~r
Communications.
).~
'~.
EXIIIBITN
Page 1 of I
From: joseph zernik Uz12345@earthlink.net]

Sent: Tuesday, December 16, 2008 2:31 PM
To: Moldawsky, Jenna l.; Amberg. John W.; Van Cleve, Peter D.;
todd_Boock@Countrywide.Com; maria_Mclaurin@countrywide.com;
mkeshavarzi@sheppardmullin.com; bbianco@lasuperiorcourt.org; soverton@cmda.law.com;
kdlcarlo@Cmda-lC\w com: tfriedman@lasupenorcourlorg; jsczuleger@laslIperiorcollrt.org;
jclar1<e@lasuperiorcourtorg; Jconnor@lasuperiorcourt.org; jsegal@lasuperiorcourlorg;
patrick.c.ryan@bankofamerica.com; joyce. schining@bankofamerica.com;
amayorkas@omm.com; PMalingagio@sheppardmullin,com; tmax@sheppardmullin.com:
robert.shulkin@camoves.com; djp@paslaw.com; jwp@paslaw.com
Subject: RE: Countrywide & racketeering under the guise of litigation in Los Angeles,Superior Court
Attachments: 08-12-12-moldawsky-authenticalion-s.pdf: OB-12-11-moldawsky-ex-parte-noticeltr.pdf; 08-12-
1O-<;ountrywide-alt-boo!<-refuses-Io-prevent-fraud. pdf
12118/2008
. Oigitillly signed I>y

. l~pllletl\ik
, JJ ON: ",=)oseph Zernlk,
) . ~L 'emall=jzl234S@eanhlin
k,ne\.c--US
[).t<.': 2008.1 ~.12
Joseph Zemik DMD PhD 17:31:42 "()3'OO"
Fax: \8':1 1) !i98·{)917 Email: jz 12345@eant~in·~.nel
"Judge shall be faithful to the law..,"

<:#/ Cocn.AK/ Erhics JBaI
"The rule of taw must never be confused with tyranny of the courts"
AnonymOUS
PLEASE RESPOND BY 5:00PM, MONDAY, DECEMBER 15,2008, OR AS SOON AS POSSffiLE.

TIME IS OFTHE ESSENCE.
December 12,2008
lenna Moldawsky, Esq

John Amberg, Esq
Purported Counsel for purported "Real Panies in Illtcrest'
Countrywide Home Loans, Inc.
Peter Van Cleve
BRYAN CAVE, LLl'
jcnna.moldawskv@brvancave.cOllJ
jwamb~Ig.@Jl1:yanCavc,con)
ndvancleve(iilBrvanCave,com
Todd Book, Esq

Counsel for purported "Real Parties ill Interest'
Countrywide Home Loans, Inc,
LEGAL DIVISION
COUNTRYWIDE frNANCIAL CORPORA110N
todd Boockav.Counlrvwide.Com
Sandor Samuels, Former Chief Legal Officer

Angelo Mozilo, Former President/CEO
do Todd Book
COlJl'.,'fRYWIOE FINANCIAL CORPORAnON
todd BoocldwCountrvwide.Com
Maria Mclaurin, Braneh Manager, San Rafael

COUNTRYWIDE HOME LOANS,INC
maria McLaurin(iilcountTVwide.com
Mohammad Keshavarzi, Esq.

Counsel for purported "Plaintiff'
Nivie Samaan
Paul Malingagio
Ted Max
SHEPPARD MULLIN R1ClHER & HAMPTON, LLP
Los Angeles, CA 90071·1448
Facsimile: 213-{i20·1398
111 keshayarzi@SheppardmuJlin.com
PMalingagio(a)sheppardmullin,com
• Page2J14 December 12, 2008
tmaxra>sheppardmullin.com

Counsel for purported "Cross Defendants"
Michael Libow
Coldwell Banker Residential Brokera~e
Legal Department
COLDWELL BANKER RESIDENTIAL BROKERAGE COMPANY
} 1611 San Vicente Boulevard, 9th ncor
Facsimile: 310-447·1902
roberl.shulkin(wcamovcs.com
David J, Pasternak
Purported "Receiver"
PASTERNAK, PASTERNAK & PAnON, LLI'
J875 Century Park East, Sui Ie 2200
Los Angelcs, California 90067-2523
Facsimile: 310-553-1540
iliP@p3.~'aw.com
~~law.com
Terry Friedman
Purpo~ "Judge for all purposes" in Swnaall v Zemik
John Segal
Jacqueline Connor
Purported former "Judge for all purposes" in Samaan vamik
LA Superior Court, West District
D. Bret Bianco
In-House Counsel
Sarah Overton,
Kathryn DiCarlo,
Outside Counsel
J Stephen Czulcgcr, Presiding Judge
John Clarke, Clerk/Executive Officer
IA SUPERIOR COURT
bbianCOl@.laSllperiorcourt.orL!
sovcrton@cmda-Iaw.com
kciicarlo@Cmda-law.com
tfriedman@lasuperiorcQurt.org
Wuiegef@lasuperiorcourt.om.
k1!rkc@lasuperiorcoun.org
jcolll1on'W!asupcriorcourtorg
jscgal@lasuQerioTCOUr1.org
Teresa M. Brenner
Associate General CowlSel- signer afSECfilings
Kenneth D. Lewis
President, CEO. Chairman
Timothy Mayopoulos
• Page 3114 December 12, 2008
BOA General Counsel

WOllam J Mostyn III
Deputy Genetal Counsel- signer of statements to share hoklers
Fax: (704) 370-3515
patrick.c.rvan@bankof.1merica.coflJ
ocrales(lllbankkofamel;ca.conl
joycc.sclli II ing@bankofamerica.com
Alejandro Mayorkas, Esq

Member, Board of Directors, Bet Tzcdck
Former U.S. Attorney, Central District of Califomia
llmayorkas@olnnl.com
RE: Count'1"vide & racketeering under the guise of litigation in Los Angeles
Superior Court
All Amberg, AU Book, Att Rrenner, Att Moldawsky, An Mostyn, Att Mayopoulos, Att Samuels, and others:
I am compelled to write to you again and demand urgent action, since the letter by Att Moldawsky - Notice of Ex
Parte for Monday, December' 5,200&, is a thinly disguise altempllo obstruct justice, and prohibit protected
speech, while Att. Book, who was authori7..ed by Boa refuses to speak, and for a good reason - he was directly
involved in instituting the frauds. For that purpose he wants communications 10 be directed to outside counsel
who pre lends she is not aware of the frnuds, while for a year and a halfall she is busy doing is obstruct justice, so
that such frauds proceed full speed ahead.
Samaan v Zemik., a never ending convoluted tale offTauds on the roll, has by now entered its Slh year!
A. A b!icf history offrauds
J. Tile over-Arching fraud - San/ann v Zemikwas designated from the start as an "enterprise track'· case-
Detailed rcview ofthc case shows that it was an off the record case from day one. All judges acted as
presiding judges with no valid Re-assignment Orders, none of the key litigation landmarks was registered -Inilial
Case Conference, Demurrer, Trial Setting Conference, Pre-trial Conference, Post-trial Conference. Judge Connor
consistently and deliberately avoided leaving any valid executable order on paper: she stated she would issue an
order for sanctions, but never issued one, she said she would issue the gag order for Countrywide, but marked it in
the records as "Denied". She stated that she would issue an order appointing Judge O'Brien as escrow referee,
but what he was provided would not have been consideroo valid by any layman of the jury, let alone an
experienced judge.
Accordingly, Judge Connor also failed to register the summary judgment as such, and it was never entered
and never made into an effectual final judgment in Ihis case.
Accordingly, Judge Segal and Art Keshavani were careful never to rely on it in any subsequent action.
Verbiage was routinely that of execution of judgment, and enforcement ofsuch execution against Defendant who
was purportedly disobeying the COtJrt. But the written motions and rulings and orders always, without exception
avoided reference 10 the judgment at all.
• Page4/14 December 12, 2008
Accordingly, Judge Segal never entered the order appointing Pasternak receiver, as required by law, and
avoided any reference to the judgment, or even to the Real Property Purchase Contract in such order. or to any
seclion of the code as the legal foundation for his action.
Accordingly, all judges felt that the case does not deserve any protections afforded to U.S. citizens in the Bill
of Rights. Judge Connor routinely engaged in fraud and deceit in court. And outside court., she issuc:d orders that
required sheriffs to escort me anywhere in the court., 3n order the sheriffs themselves asserted was unheard of, and
withoui any reason.
Judge Conllor connived routinely with Att Keshavarzi, as was apparent in the motion for sanctions, in the
mOlion for appointment of receiver, and in Ihe non-entry oflhe judgment.
Judge Connor established Countrywide's privilege ofappearing routinely in litigation as an absurd "Non-
Party" with shifting designations by the court.
Judge Connor established Counlrywide's and Samaan's privilege to be immune 10 compulsory amended
answers on fTaud and deceit
David Pasternak considered il acceptable with no valid appointment or order to break ioto Ihe properly and to
file fraudulent grant deed on it.
Judge John Segal considered it agreeable to engage in fraud and deceit relative to the order appinting
Pasternak receiver.
Judge Friedman considered it agreeable not to distribute the proceeds ofthc sale to me within 30 days, as
required by law, and to threaten sanctions if I asked for it again.
Judge Friedman considered it agreeable 10 issue an ex post facto order in January 2008, effective back to July
2007, and based on such to make ruling ofcontempt and serious sanctions exceeding $22,000.
Judge Ro..'\enberg felt il was agreeable not 10 issue any Reassignment Order to a jUdge, even after being
repeatedly requestcd to do so.
All judges considerec!. it agreeable not to provide any notice and service of their orders, or to secretly
void/dispose of their orders in chambers.
All judges enga~erl in production of false and deceitful trial court litigation records.
7. £f!!:JY.. Fraud~
0) Firsl early lalldmork/roud - prequalification leller - II started when Samaan, who was an entirely
unqualified buyer, fraudUlently induced me to enter a purchase contract in Seplember 2004, by using a mudulent
pre-qualification Jelter'. ThaI fraud is by now confirmed by a fraud expel1.2
b) Second earlyfraud - loan appficaJions - Next came Samaan's fraudulent loan applicalions, filed with
Countrywide San Rafael.! 4 That fraud by now is also con finned by a fraud expert.s
Such fraudulent loan applications failed to get approved within the time fiamed stipulated in the contract. Both
the fTaud in employment data, and also the failure 10 correclly list loan fees in projecting closing costs, were
almost immediately detected by Underwriter Frazier. Strangely she did not detect the fact that none of the
signatures on file purportedly by loan broker Parks, purportedly a "business partner", was truly his. Moreover,
they could be easily divided into to distinct forgeries - the one originating in LA, and the olher originating in
• Page 5/14 December 12, 2008
northem California. Alternatively - it is possible, or even likely that in the loose wholesale branch atmosphere
slK:h mixing and matching ofsignature was acceptable business practice.
c) Third earlyfraud - wire/fax fraud - Yet another fraud was detccted on October 18,2004 by my realtor
Michael Libow. He reported !hat Samaan was engaged in wire/fax fraud, where she was impersonating her loan
broker in fax communications with us.6 As became clear later, upon receipt ofthe subpoena production from
Countrywide, Samaan engaged in wire/fax fraud impersonating Parks also in records found in the loan file. [n
general, just as Samaan was a straw buyer, Parks was a straw loan broker.
On October 21,2004, I issued instruc1ions to caned escrow.
3. Infermediatl! Frauds
a) First - comp!oint- specific petfomtancc or damages - A year later, Sarnaan unbelievably filed a
complaint in the LA Superior Court for specilie perfonnance per equity rights, or for damages for breach of
contract by statutory law. Such complaint was custom tailored for a courtroom fraud. In fact, I hold that
investigation is likely to find a disproportionally high number of Specific Performance litigations in LA Superior
Court West District. Any of those should be further looked inlo for frauds. The one I had an oppommity to study
at some detail - Gladjie v Oarwish -surely fits the bill. And the similarity does not end there. In both cases a
convicted felon involved on plaintiffs side. And some names are shared by the two cases: Judge John Segal,
Receiver David Pasternak, An Richard Green...
Specific performance was lhe earlyfram(!l,vorkfraud in this case - it is uniquely suitable for frauds, since
it allows bypassing ofthe jury trial, it exposes the homeowner's equity to abuse by the court through escrow, and
it allows adjudication by rules that widely diverge from standard statutory law adjudication. For exactly such
reasons, in British law - equity rights were allowed only on the person, but not on mll property.
b) Second - sla/ute offraudsfraud. Samaan also failerl to include any contract in her real-property rights
complaint, a classic Statute of Frauds fraud, and thaI too was fully compatible with Judge Connor, on her very
fir.,1 proceedings in this case, January 30, 2006, for a demurrer.
c) 77tird - summary judgment - A midpoint landmark was the fraudulent Summary Judgment hearing,
held by Judge Connor on August 9, 2007. It signaled the conclusion oflhe statute of frauds fraud - tlle contract, a
fraudulent record produced by Countrywide alone, was filed as evidence in Reply brieffor summary judgment. It
also signaled tile launching of the serond framework fraud in this case - the judgment entry fraud. NonnaJly a
judgmem is associated with finality of a court casc. But thaI was not the intention here at all By failing to enter
judgmenr, Judge Connor conspired to con me into consenting to execution of her rulings, but still provide her an
open door for further abuse - with depletion of homeowner's equity as the ultimate goal.
4. Lafe Frauds
a) Entry ofJudgmenJ fraud -lire lale framework fraud - Starting with two ex. parte hearings for "enlry of
judgment' and proceeding in a case ronfercnce on August 30, 2007, Judge Connor engaged in deception. as part
ofdeliberate attempt to ambiguate the entry ofjudgment As a matter of fact, no such thing as Entry of Judgment
exists ill the LA Superior Court, in !he context of entry of judgment defined in both the California Code of Civil
Procedure and Govemment Code as well as in the Local Rules of Court The Court does not follow its own
written rules, instead, for over a quarter century, it developed a system all its own, of unpublished rules, never
disclosed to the public, obviously severe violation ofthe Rule Making Enabling Act 28 USC 55 2071-77.
~} EscrolY referee fraud -The late post-judgment landmarks in this case were ofno lesser criminality: First
- fraud hy Att Keshavarzi, and Judge Connor, in rollusion with Retired Judge O'Brien, for tTaudulenl
• Page6114 December 12. 2008
appoinlment for O'Brien as an escrow referee, where in fuel, if we were to believe KehsaVBJZi on his word in
open court on October 11,2007. the plan was to engage in execution of an "ell/cred ora/judgment".
c) Receiverfraud - Second was a fraud through collusion ofAtt Keshavani, Judge Segal, and David
Pasternak, for appointment ofa fraudulent "Reeeiver" -through a fraudulent motions. Ifwe were to believe
Keshawlrl1 on his word in open court on November 9, 2007, the plan was to engage in execution of"on
9
IIflderstolldi"c" that grew out of a "dialogue" between him and Judge Connor , but neither Segal, nor
Keshavarzi. nor Pasternak, considered the Aug 9,2007 Judgment a valid effectual one.
d) The third posl-judgmenllandmark was fraUdulent conveyance oftitle by Pasternak. The grant deed he
filed 0:1 December 17,2007 was confirmed as fraud, albeit c.ommilled on behalfofa court, by veteran FBI agent
James Wedick, decorated by the U.S. Congress. U.S. attorney General, and FBl Direetor lO •
A reasonable person, upon review of the case as a whole, would surely conclude, that even before fi ling the
complaint, Samaan had secured full cooperation in this combined real-eslatel mortgagel courtroom fraud by both
Countrywide Home Loans, Inc, and by Judge Jacqueline Conoor.
TIle missing contract, which eventually was filed over a year and half later, was a fraudulent record produced by
Countrywide. It failed to appear in subpoena productions ofSamaan, her loan broker, my broker. my own, or
escrow's. That fraudulent contract document was and is the central instrument of fraud in this case, and also the
subject afthe instant letter.
D. Instant fraud: Post-judgment motion by Kcshavarzi, pending
At prescnt on the agenda is a pending fraud, noticed as a ''post-judgment mo/ioll" by Att Keshavarzi (Sheppard
Mullin) for "PlaintiffSamaan". Again, the critical evidence in this motion is the fraudulent Countrywide
comracl. ll Such record is an obvious fraud. It was never authenticaJed, and should have never been admitted by
Judge Connor as evidence in the first place. Given that the fraud in it was rather obvious, it was not introduced
until the las' minute Reply brief for summary judgment.
O'
But all ofthat does not exempt Countrywide, and now Bank. of America from perfonning their duties by law.
TIlcrefore this lener is primarily addressed to attorneys representing CounlTywidc and now also Dank ofAmerica.
L..J11e Rf!!lli-eE.
The request is simple - addressed to each oftlle following attorneys individually, with a request that each and every one
ofthem: Att Ambetg, Att Book, AU Brennet", AU Moldawsky, AU Mostyn, Att Mayopou!os, AU samuels,
respond in writing and lei me know after review ofthe record and additional evidence filed with it in court in my notice
offraud in this record. '2 :
Please authenticate or repudiate the documenl misrepresented as the product fax communication from Parks
in the State of Washington to Countrywide in Northern California, on October 25,2004, 5:03pm. In' fact
1 Keshavam's ptannej wiIh Retired Judge O·Brien. a fraudulent referee. to exeaJte "enlered oml judgment"
8 Motion and Older appoinlD1g receiver.
or
~ Kesllavarzi M tile invafKlit)' the judgmel11 in Nov 9, -;«)7 hearir9.
,~ ~ deed fraud confirmed by Wedidl.
" lostant mollon.
12 COlllrdct
• Page7f14 December 12, 2008
thaI transmission was from Samaan to Lloyd, both in LA. It was part of wi reifax fraud across stale fines,
against a financial institution - predicated acts per RICOI~.
a. Do you conskIer this rvc:ord as ... ~ rec:onI1'

If so, I request that you enswe that It is immedately authenticated, as required by the evidence
code. Such record must never have entered the loan apptk:3tion fite wlU1 no authentication. It Is
1n violation of UETA and "sound banking princJpIes" per Regulations B of the Federal ResefVe~
b. Doe you consider that tftIa record Is fnIudf

Given the central place of this record In this litigation. crirne5 were C4)fllRIitted, are being
committed, and are going to be committed again. Immediate action must be taken pursuant to
the Sarbanes-Oxley Act §307 regarOtng reporting by corporate counsel to the BOA General
Counsel and on from him to tho authorities.
It is exactly situations like the one enfokHng In the past 3 years that the S3rabnes-Oxley Act was
meant to prevent - a CGrporation like CHL Ulat became a COII'LIpt organIzation, under the
watchful eyes of a Legal Division that instead of ensuring compliance with the law, engaged In
perpeb ating the frauds by fabrtcating the subpoena production.
For tJ\ose who choose to inform the General Counsel, and for the benefit of the General C..ounsel in his reporting I
provided an Appendix.
Obviously, the ex parte application brought by Countrywide's old guard, through an attomey that Bank of
America did not recognize at all, is meant to prevent such communication, which is essenlial for ensuring integrity
in the takeover ofCounlrywide by BOA.
).~
Joseph Zemik
PLEASE RESPOND BY 5:00PM. MONDAY, DECEMBER 15,2008, OR AS SOON AS POSSIBLE.

TIME IS OF THE FSSENCE.
13 Contract document product of \W'eJ1ax fraud can be viewed at

h!lpJfinoroperinla .com/04-1(}'25-d0v45<ooIlbWii<1e-fraud-rontract-record. pdt
APPENDIX A
COMPLUNCE~THSARBANE~OXLEY
Wording of the notice required, provided to you as a reminder, in re: Section J07 ofSarbanes-Odcy:
Since material violation of law has occurred, is occUlTing and is about
to occur again, as set: forth in Section 307 o(the Sal'banes-Oxley Act of
2002 and the SEC Rule promulgated there wlder Ct7 CPR 205), the
general counsel must inform his superiors and the authorities. This
notice may be in any form, but should conspicuously state that it is
being made under Section 307 o{the Sarhanes-oxJey Act.
Following is a list ofcrimes, all of which were, are, and will be associated with the fraudulent Contract
record, based on fax/wire fraud by Samaan'4:
111e main fraudulent claim relative to this record was, is, and will be, that it was faxed by Loan Broker Parks from
Washington State to Countrywide, San Rafael on Monday, October 25. 2004. at 5:03pm. In fact., the whole
fraudulent liligation depended on this lie. But that transmission was never authenticated. The reason is simple: as
scen in Samaan's own fax log, this transmission was from Samaan to Lloyd, both in Los Angeles area. The record
was not received as part of the loan application in Countrywide as late as November J, 2004, the last
Underwriting Lctter provided in the loan file. This record, Itke many of the records in the subpoena production
was received from all anonymous fax machine, bearing no ID in its fax header imprint. Accepting such records a'i
part of the loan file is in violation of Regulation B of the Federal Reserv~ demanding operations based on "sound
baking principles". I is also in violation of VETA. Beyond that- such records formed the basis for real estate
fraud and racketeering under the guise oflitigation in tnc LA Superior Court.
a) Starting on October 25,2004, and ending sometime later than November 3, 2004, Nivie Sarnaan, LQan
Applicant committed fax/wire fraud across state lines and against a financial institution in relalionship to
production ofthi> record. Upon investigation it would surely be found that Maria McLaurin, San Rafael
Bl1lnch Manager was her inside partner in crime.
b} Starting July 2006, and ending April 2007, Att Todd Book and the Legal Division orCounlrywidc, guided
by Aft Sandor Samuels, produced this record a total of 6 times, even after they were requested to stop
producing fraudulent records in response \0 legal subpoenas.
c) On October 25, 2005, Samaan engaged in initiating Statute of Frauds fraud when she filed a complaint for
real property rights. but deliberately filed it with no contract record, while she obviously considered this
record the valid contract in this case.
d) On January 30,2006, Judge Jacqueline Connor ran a fraudulent hearing on Demurrer per Statute of Frauds.
In open court she "Overrule{)" the Demurrer, but immediately afterwards, she secretly voided/disposed of
the minute order in electronic court file, while allowing false and deliberately misleading records to remain in
the paper court file. In the Register of Actions she recorded the Demurrer as "Granted', With that., she
launched the fraud in litigation of Samaan v Zemik in the Superior Court., and massive production of
fraudulent trial court litigation records.
e) On August 9, 2007, Att Mohammad Keshavarzi (Sheppard Mullin) and Samaan, in collusion with Judge
Connor concluded the Statute ofFrauds fraud at the hearing, purpol1ed to be Swnmary Judgment hearing, but
14 The Fraudulent Contract Record can be viewed at

ht!p:Jflnl2roperinla,com!04-1Q-25-d0045-counllywide-fraud--<:ontrad-record. pdf
never adequalely registered as such. During the whole period of litigation, Samaan never identified the
contract record she considered valid, among lhe six varianlS ofthe contract found in subpoena productions.
Samaan herself failed to include this record in her own subpoena production, and also Parks failed to include
it in his. Finally Samaan enlered this record as evidence in ~ brief of the summary judgment, out of
compliance with the law, and with no authentication at all. I objected 10 such evidence, and had it listed for
mOlion for sanctions per CCP 128.7 for filing fraudulent records as evidence. Regardless, Judge Connor
deceitfully accepted il as valid evidence. Therefore it served as the foundation for the fraudulent rulings in
thaI hearing.
f) Between August 9, 2007 and the present, AU Kcsbavarzi for Samaan filed this record repeatedly as
evidence. always with no authentication, and in disregard of the evidence for fraud in this record. This record
was recently filed again as evidence, as part of a motion originally scheduled for hearing on November 2).
2008, continued. and now pending. Therefore, soon crime is going to be committed again soon based
on such record.
g) Bct\veen March 2007 and Ihe preStO" I filed numerOUS times with Angelo Molilo, Sandor Samuels, and
Countrywide rC<\uests to either authenticate or repudiate this record as fiaud. They never responded either
way to such requests. instead they chose to allow the fraud to eontinue, in fact colluding in real estate fraud
and in obstruction ofjustice. in filing fraudulent records in court as evidence.
h) In particular, in late June 2007. I filed such request with Sandor Samuels at Bet Tzedek, at a time that he
served as President of this organization operating under the biblical verse of'tirelcs.sly pursuing justice..'.
Moreover, at that time he also advertised on the web thal he was leading a campaign against fraud in Southern
C.alifomia, particularly against real estate fraud. Afier I tiled the request with him, the web site of Bet Tzedek
firsl disappeared. When it appeared again, about a week later, Samuels and his campaign against fraud were
no longer mentioned at all.
i) A few days later, on or around July 3,2007, I received a letter from Bryan Berg, LLP, and Aft Jenna
Moldawsky and John Amberg started on behalfofMr Samuels and Mr Monloa campaign of
relariationlintimidationlharassment against a victim/witnesslinformer. Their first motion was remarkably
similar to the one they now nolice for Monday, December 15,2008 - attempt to prevent me from exercising
proJected speech in defense of sci r. Their goal was, is, and will be - to prevent the exposure of the extensive
fraud engineered and executed by the Attorneys ofCountl'Y'"idc's Legal Division in subpoena productions
in Samaan v Zemile, all to support the fraudulent litigation initiated by Samaan. Therefore, An Moldawsky
ilnd Amberg have engaged in obstruction ofjustice for the past 1.5 years. repeatedly inserting themselves with
no legal standing at all ill any hearing, 10 ensure that the fraud be successfully committed.
j) At tr.c same time, Judge Connor denied me the right 10 file compulsOI)' claims for fraud and deceit against
Samaan and against Countrynide.
k) It is the desire to avoid this reque5l- to authenticate or repudiate this record as fraud, thai was, is, and will be
the true motivation for Jenna Mold:lwsky's fraudulent ex parte application. In January An Moldawsky and
Amberg filed a motion that unbelievably requested "declaratory relief' by Judge Friedman - a statement that
Mr Samuels and Mr Monla do flOt have 10 anSWeT this request relative to the lTaudulenl records that these
banking officers filed in court.
I) Bryan Cave, LLP, Janna Moldawsky, and John Amberg, engaged in collusion in this fraud in the past year
and a half, making any possible effort 10 avoid answering such questions, and allowing the fraud in this
litigations 10 proceed - facilitating obstruction and perversion of jus lice.
• Page 10r'14 December 12,2008
m) Total damage to me from frauds listed above exceeds by now $2.0 millions. But regardless ofthe sum, the
involvement of the most senior people in Countl)'wide, who were charged with the safeguard of integrity of
the operations, surely makes such crimes material deficiencies, that should have been reported also outside of
Sarbanes-Oxley.
)'~
Joseph Zernik
PLEASE RF.-SPOND BY 5:00PM, MONDAY, DECEMBER 15, 2008, OR AS SOON AS POSSmLE.

TIME IS OF THE ESSENCE.
• Page 12/14 December 12.2008
APPeNDIX 8
DEMAND FOR CLARIFICATION FROM ATTORNEYS FOR CHL AND BOA

RELATIVE TO AIT MOLDAWSKY'S "NOTICE" DATED DECEMBER 11,2008.
I demand that CHL cslablish the basic facts regarding this litigation. The letter, dated December II, 2oog lS , is
lacking in foundation from the subjeclline down, on each and every significant detail:
I) It refers in the subject line 10: 'Willie Samaan v. Joseph Zernik. Case No. SC8081400, Los Angeles
County Superior Court":
Please provide certi fied copies from LA Superior Court's Illdex oJ All Cases and Master Calendar of West
Districl, showing registration of the case referenced in your letter: Sanwall II Zemik (SC087400), As
required by law; alternatively - verified statement from an official of tile Superior Court of Cali fomia that
Sal1/a(J}l v Zernik is an authentic court case, duly indexed and calendared as required by law - as A civil
unlimited litigation in the Superior Court of Los Angeles County, case named Nivie Samoan v Joseph
Zernik. case No SC087400; alternatively - verified statement that such duly registered court case does not
exist at aII.
2} further down it notices the hearing in Dept "J" - which is Judge Friedman's court.
a) Please provide verified statement from an official of the Superior Court of Los Angeles County to
the effect that Mr Terry Friedman is Judge Terry Friedman, duty authorized an<! holingjurisdiction
as Judge for all purposes over case known as Samoan y Zernik (SC087400) pursuant to A valid Re-
assignment Order by the Supervising Judge of West District, as required by law; alternatively - that
Mr Terry Friedman does not hold such re-assignment order, has never been duly Authorized and
holds no jurisdiction At AII in matter named Samoan v Zernik (SC087400).
b) Please provide verified statement from an official of lhe Superior Court of Los Angeles County to
tile cffect that Mr John Segal was Judge Jolm Segal, duly authorized and held jurisdiction as Judge
for all purposes over case known as Samoan v amik (SC087400) pursuant to a valid Re-assignmmt
Order by the Supervising Judge of West District, a... required by law from October 5,2001 to
December 4, 2007; alternatively - that Ms Jacqueline Connor did not hold such Re-assignment
Order, had never been duly authori7.ed and has never held any jurisdiction At Allover mat1er named
,')amaall v Zemik (SC087400).
a) Please provide verified statement from an official of the Superior Coun of Los Angeles County to
the effect that Ms Jacqueline Connor was Judge Jacque/ille COilnOr, duly authorized and held
jurisdiction as Judge for all purposes over case known as Samaan \' Zemik (SC087400) pursuant to a
valid Re-assignment Order by the Supervising Judge of West District, as required by law from
November I, 2005 till September 10, 2001; alternativel)' - that Ms Jacqueline Connor did not hold
such Re-assignment Order, had never been duly authori;~ed and has never held any jurisdiction At
1\ 11 over mailer named Samoan v Zernik (SC087400).
3) It opens with a statement referring to"~ ~~ NOIl-Purt)' COl/lltrywide Home Loalls, lire.
("Countrywide") ... n
;1) Please provide the legal foundation for such party designation ofCHL.
b) Please demonstrate court records designating CHL Non·Party.
,S Ml}l::lawsky's Dec 11.. 2008 letter can be viewed at:

http://lflpmperir.la.wnJ08.12 .'1-mo12awsky-e)(-Q3lte-rolicenrW
c) Please explain the umpteen court records bearing any designation other than "Non-Party",
4) It then refer to "repeated vi%t/orlS ofthe July 11,]007 ProtecI;ve Order.•. ..

a) Please notice the non-existent July 23,2007 Protective Order,
b) Please explain the appearance of nales such as "Proceedings not recorded" and missing adjudication in
hearings on Ihis motion in the Register of Actions.
c) Please explain the notes "Denied" on your proposed order, and the failure to sign any order at aU.
5) It described such purported order as "•• directing Zernik (0 communicate solely with CountryMJidl!'s
designaled counsel... ·' implying that Moldawsky is such duly designated counsel.
a) Please provide evidence of your engagemenl by BOA. As recently as December 5, 2008, they did not
know orher involvement in this case.
6) II proceeds with .... Olli/I/O olfler COl/tltrywide officers or employees..... but fails to specify who such
employees or olliccrs are, particularly after the change of control.
a) Please provide a full and complete Jist orall those I am prohibited from talking with. Such infringement
of First Amendment rights. particularly - infringement of protected speech in defense of self is unheard
of, particularly when it is vague and ambiguous.
b} To the best of my knowledge Mr Samuels and Mr MO:l.ilo are no longer Countrywide employees. Please
provide evidence ofthcir status of employment, and full and complete list of present Countrywide
employees.
c) How about tenninalcd employees like Diane Frazier, key witness, continuously intimidaled by
Countrywide, who was terminated ifl early 2005? When I tried to communicate with her I got a death
threat that was dircctly related to Countrywide.
d) Is Diane Fraz.ier allowed to exercise (rec speech?
7) You continue "includIng Balik OfAmerica Corporation, wlrich acquired Coul1trywide ill July lOOK"
3) Please provide the legal foundation for your inclusion of BOA io this order.
b) I happen to hold an account with BOA, and I also plan On purchasing some shares. Do you intend to slate
[hat under such circumslances I am still prohibited from speech with any BOA employee? Please provide
some reasonable explanadOll.
S) You refer to OSC for ..... contifllud .'iolat;oltS of llze Cuur/ Order......
a) Please provide evidence of any such violations tnat you may claim.
b) PIUlsc make sure [hal you authenticate your evidence and file only admissible evidence in court.
9) YOLI refer 10 CUL .... colltinue to elldure Zemik's IlOrassmenl.. ..

a) Your conduct, including this harassing motion. upon review is likely to be deemed predicated
acts per RICO.
b)
Had this court allowed access to trial court litigation records, as required by law - including many
references, from Nixon v Warner Communications lG to California Rules ofCourl, Rule 2.400 et seg lJ ,
establishing such facl~ would have never been an issue. Absent public records in this court, r must insist on
protecting my rights pursuant to the Amendments to the U.S. Constitution by full authentication of the basic
,~ Where the u.s. Supreme coul1 af.ilmed ·common law rights' of'aocess to judicial record" also koow as the Iighl 10 inspect and to C1Jf1'I
such rewrds. In con1r.:lst, \he LA Superior Court holds its oomputer system. ·Sustain·, - a frau<lulenl case management syslem
"privileged- for the COUrI only". Such IU1e is an unpublished Rule of Court. and with lhal- also in roalion of \he Rule-Makill9 Enab\ilq
~,
Requm~ public a = 10 the COUll'S electronic recoros ill general, and prohibiting denial of access to party in liligalion to e\edronic court
tile feCOIdl;.
facts relative 10 this litigation. as a minimal precaution in a case built on fraud from Judge Connor's first
court proceeding on. 11
Art Moldawsky -YOIl canfoDI some of the people aU t!le time. all Dltlle people some oft/Ie time, hutyQIi
can/rot/Dol all the people ail t!le time_. Please provide full and complete admissible evidence for C<lch and
every one of the facts listed above. Please forward such evidence to me and to others wilh sufficient time to
examine such evidence.
).ywL
Joseph Zernik
PLEASE RESPOND BY 5:00PM, MONDAY, DECEMBER 15,2008, OR AS SOON AS POSSrBLE.

TIME IS OFTIIE ESSENCE.
Ie on the diJ)' of Judge Comor's firs! proceeding, Jan 30, 2006 - i.lnitial Case Confereooe was held off the record, assignment Older was
issued ao<l back.caled 3 molllhs, and demurrer on statute of frnuds was OYellUled. blA that lUling was lmmediatclf seaetI1
disposedhll>ided wilIl no noke or seMce to oarties.
1/4
08-12-09 ATT TODD BOOK, COUNTRYWiDE LEGAL DIVISION, WHO WAS ACTIVE PARTICIPANT IN
THE FRAUD All ALONG, SINCE 2006, REFUSES TO ANSWER REQUEST TO AUTHENTICATE OR
REPUDIATE COUNTRYWIDE'S FRAUDULENT RECORDS. ALBEIT, BANK OF AMERICA DESIGNATED
HIM AS THE COUNSEL OF RECORD IN MY MAnER.
EMAIL BY TODD BOOK, RESPONSE TO REQUEST. DATED WED, DEC 9. 2008:

ATT BOOK REFUSES TO ANSWER ON THE MATTER, AND WITH THAT IN FACT
CONTINUES TO FACILITATE THE FRAUD.
X-McAfee-Timeout-Protection: 1
X-WSS-IO: OKBND81-OC-1A6-Q1
Subject Re: Fwd: REPEAT FlUNG OF OFFENDING FRAUDULENT RECORDS IN COURT YOUR
RESPONSE REQUESTED BY
WED, DEC 10,2008, 5:00PM. Notice of start of safe halbOl' period per CCP 128.7.
From: "Todd Boock" <Tod<U3oot:k:@Counttywide.Com>
Date: Tue, 9 Dec 2008 22:12:11 ·0800
To: "'JOseph zemik" <jz12345@earthfinlcnet>
cc: j'wamberg@bryancave.com,
jenna.moldawsky@bryancave.com
X-Foml: Reply
X-MIMETrack: serialize by Router on PlADOMSMTPZ021Server&IGWExtemal(Release 7.0.3ISeptember 26,
2007) at 12110f2008 12:12:15 AM, Seriaize complete at 1211012008 12:12:15 AM
X-EL~IK-Received-lnfo: spv=O;
X-ElNK-AV: 0
X·ElNK·lnfo: sbV=O; sbrc=.O; sbf=oo; sbw=OOO;
Dr. Zemik,
The referral to me regarding this matter was in error. Please contact Bryan Cave LLP, specifically John Amberg
(310-576-2280) or Jenna MoIdaw.iky (310-576-2377), both copied on this e-mail, should you have any inquiries,
issues or other reason to commlXlicate with Counbywide or i1s corporate affiJjale Ba~ of America, regarding
this matter. As an employee of Counbywide, I am covered by the prolective order prohibiting you from
contacting employees of Countrywide.
Thanh you fOf your anticipated cooperation.
Todd Boock
EMAIL BY JOSEPH ZERNIK, FRAUD VICTIM, DATED WED, DEC 9,2008:

ASKING TODD BOOK TO STOP YET ANOTHER FRAUD BASED ON FRAUDULENT
RECORDS PRODUCED BY TODD BOOK AND COUNTRYWIDE LEGAL DIVISION.
From: joseph zemik Dz12345@earthlink.netJ

Sent: 121091200805:41 PM PST
To: Todd Boock
Subject: Fm: REPEAT FILING OF OFFENDING FRAUDULENT RECORDS IN COURT. YOUR
RESPONSE REQUESTED BY WED, DEC 10, 2008, 5:00PM. Notice of start of Safe harbor period per CCP
128.7.
2/4
FYI
Date: Tue, 09 Dec 200815:27:28 -0800

To: "Mohammad Keshavarzr <:MKeshavarzi@sheppardmultin.com>, "Paul Malingagio"
<PMalingagio@sheppardmul&n.com>. "rcd Max"<lmax@sheppalClmulin.com>
From: joseph zemik <jz12345@earthlink.net>
SUbject: REPEAT FILING OF OFFENDING FRAUDULENT RECORDS IN COURT. YOUR RESPONSE
REQUESTED BY WED, DEC 10. 2008. 5:00PM. Notice of start of Safe harbor ptlriod per CCP 128.7.
Cc: sandor_samuels@coontrywide.com, sarnuels_sandof@CounlJ)wide.com,
angelo_moZilo@countlywide.com. mozilo_angelo@counlJyMde.com. maria_McLaurin@coun\l)'wide.com.
bbianco@lasuperiorcourtorg, "Ted Ma:<,<tmax@sheppardmullin.com>, "Van Cleve. Peter D."
<pdvaocleve@8ryanCave.com>. soverton@cmda-taw.com, kdicarlo@cmda-law.com,
tfriedman@lasuperiorcourt.org, j~czuleger@lasuperiorcourt.org. jcJarke@lasuperiorcourt.org,
jdarke@lasupetiorcourtof9. Jconn()(@IasuperiofcoU11.org, jsegal@fasuperiorcoUltorg. "David J. Pasternak"
<jwp@paslaw.com>, "John Pallon" <jwp@paslaw.com>, "Amberg. John W: <jwamberg@BryanCave.com>.
jenna .moldawsky@bryancave.com, todd_Boock@CounltyNide.Comp. "attention
Mayo"<patrick.c.ryan@bankofamerica.com>, "attention Mayo"<ocrates@bankkofamenca.com>, "attention
Mayo" <joyce.schilling@bankofamerica.com>, <amayorkaS@omm.com>
December 9. 2008
Mohammad Keshavarzi
Sheppard Mullin, LLP
RE: REPEAT FlUNG OF OFFENDING FRAUDULENT RECORDS IN COURT.

RESPONSE REQUESTED BY WED, DEC 1G. 2008, 5:00PM.
Notice of start of Safe Harbor period per CCP §128,7.
Mr Keshavarzi:
You recently sent me copy of papers you filed in court under the name of Sheppard MulUn, UP, for molion to
establish recovery, scheduleo for Nov21. 2008.
1) No signatures were visible on my copy. I request that you fOlW3rd to me copy bearing your visible original
signatures. In case the copy you filed in court does not bear your signatures, and you choose to keep that
paper filed, I request that you correct that Situation expediently, otherwise please withdraw such papers, and
notice me accordingly.
2) Your most recent papers again included records produced in subpoena by Countrywide, which were the core
of this ligation. I complained in the past thai such papers constituted fraud on numerous accounts. Such
records were repeatedly fraudulently misrepresented by you 3S the product of fax transmission from Victor
Parks, loan broker, to Countrywide San Rafael, on Monday, OCtober 25,2004, 5:03 pm.
3) In fact, as made clear by Ms Sanklan in her deposition. Mr Perks had nothing to do with any of it. Among
other umpteen frauds, throughout the transaction in 2004, Ms Samaan impersonated Mr Parks in tax
communications. This record was no exception.
4) This record also was never received by Countrywide on the elate and time indicated above, as you
misrepresented in court. In fact the transmission that generated that tax header imprint was from $amaan in
Los Angeles to her husband in los Angeles. I went through that issue in depth among other opportunities, on
~ugust g, 2007, in open court.
5) You have never provided adequate authentication of that record When you introduced it as evidence. and I
filed fOr sanctions against you per CCP § 128.7 for firing of fraudulent records in court
6) To avoid that hearing, you scheduled in conflict another "hearing" as you fraUdulently called it, with retired
JUdge O'Brien, who had no autllority at aU to hold any "hearing" of any kind.
3/4
7) This court refuses to even COl'Ifirm that Samaan v Zemik was ever a case of \he Superior Court of Califomia.
Regardless, you were fully aware that such records were, are, and always will be fraud, and therefore any
purported order, decree, judgmen~ or any other outcome of such litigatioo was is, and always will be null and
void.
8) In the most recent papers you omitted 1he fraudulent transmittal cover sheet. Regardless, this record is the
product of fraud, and it was introduced by you as part of fraUdulent evidence.
9) Therefore, I request that you immool3tely remove this record from your most recent pending papers.
10) Therefore, I also request that you submit a request for a nunc pro tunc order:
a) to marl< aU instances where such paper appears In tf1e court file as Instances of fraud.
b) to vacate alt orders, decrees, judgments that were based on such fraudulent real estate contract record.
10) Please consider this notice per CCP §128.7 for start of Safe Harbor penod.
MR!<ESHAVARZi & MR MAUNGAGIO: RESPONSE REQUESTED BY WED, DEC 10, 2008, 5:00PM.
11) This message is copied to At! John Amberg and At! Janna Moldawsky, who claims to be authorize to
represent CounlryvJide Home Loans, Inc, a subsidiary of Bank of America. counttywlde Home Loans, Inc too is
requested to file request in court tor the withdrawal of such fraudulent records produced by Countrywide Home
loans, Inc as part of subpoena productions !hat were replete with fraudulent records, and lM'lich tried 10 enliref>/
fabric.ate Samaan's fraudulent loan applicalions underwriting history.
MR AMBERG AND MS MOLDAWSKY: RESPONSE REQUESTED BY WED, DEC 10, 2008, 5:00PM.
12) This notice is also fOl\varded to AIt Todd Boock, Counlrywide Home Loans, Inc, who was part of the leam
under Mr Samuels, wtlo devised the subpoena fraud In 2006, and repeatedly provided fraudulenl responses to
questions in Meel and Confer in 2007, then claimed religious obselVaoce to void appearance in motion 10
compel Mr Boock is requested to authenticale the real estate contract record, olhemse, to withdraw it from the
record, and with it the entire counbywide fraudulent subpoena, and to notice the parties and the court
accordingly. Mr Book is according to Bank of America Office of General Counsel the only one authorized to
represent Bank of America Corpordtion. That office had no reoord of Bryan Cave LLP as authorized 10
represent Bank of America in this malter.
MR I!.OOK: RESPONSE REQUESTED BY WED, DEC 10,2008, 5:00PM.
13) This notice is also forwarded 10:

Mr Timothv J. Mayoooulos Executive Vice President and General Counsel
Bank at America Corporation (Bank of America)
100 N Tryon St
NCH>07-56-11
Charlotte, NC 28255
Phone: (704) 386-7484
Fax: (704) 370-3515
Wrth the demands:
a) that Bank of America corporation plrt an end to this fraudulent litigation and farce of a court, progressing in its
name in the past six months,
b) that it withdraw the fraUdulent subpoenas prodUced by Sandor SamuelS, Todd Boock and their colleagues in
the corrupl Legal Division of Countrywide,
c) that they take action to mitigate damages,
d) that they report in the quarterty report for Q·IV of 2008 such material deficienr;y -the compromise of the legal
team of Bank of America Corporation resulting from incorporation :>f the legal Division of CountryMde Financial
Corporation to its ranks pursuant 10
4/4
Section 307 ofSarbanes-Oxley
Since material \iolatiou of law has occurred, ~ occurring and is about to occur a.,aaill, as set forth in
Secnon 307 of the Sarbanes-Oxlev Act of2002 and the SEC Rule promulgated there under (17 eFR
205), tbe genera) counsel must inform his superiors and tbe authorities. Th~ notice rna)' be in any
form, but should conspicuously state lh:Jt it is being made under Sectinn307 nfthe Sarbanes-Oxlev
Act.
MR Ml\YOPOULOS: RESPONSE REQUESTED BY WED, DEC 10,2008, 5;OOPM.
Joseph Zemik
Fax: 8019980917
Tel 3104359107
Additional dooJmentatioo, including fraud experts opinion letters Cf~ fraud in this litigation can be viewed at
http://inprooerinla.coml04-10-26-doc-44-coullbywide-fraud-LWldelWriting-letter.odf
!:illQ.;ilinprooeriola.(D!!lI04-10-26-opinlon-letter:(!)uotryw!de-underwtiting-letter-oct-26-s.pdf
!:illQ.;ilinDroperinla,comI04-09-07-~maao-s-oreaualificatioo-letter_pdf
http://inorooer!nra.cnm/04-09-o7~letter-fraud-in-prequalificaion-letter-s.pdr
http://lnDroperjola.com/04-09-27-<!oc-<l{}-samaan-fi'aooulenr-loao-j!pp1ications-s.pdf
b!!Jl;LLjnprooeriola,coro/04-09-27-5arnaarKXlyOlJywide-frat.rlu!ent-!?an-aoolication.pdf
http://inprope!1ofa.com/04-Q9--27-pp1niOn-letter-frclUd--in-Ioan-aop!icatioos-signa~llKIf
blm.;1linproperiofa.(()m/04-1D-18-wire-fraud-o 1. pdf
h~o~rinla.cnmlO4-1o-18-9-emails·in-re-wire-fax-fraud.pdf
http:[IInproperinla.com/04-10·2S-a>un1;!ywjr;le-aduiterated-brand'l-iQP.\!t-eXception-reauesl:-s.pdf
btm;lilnproperinla,com/04-10-2S-doc-45-eountJ\.Wide-fraud-rontract-re;nrd.pdf
tillIWj["lproperinla·comlO+ 10-26-r0un!JyWide-fraudulent·unde!wrilino-!elter?lX!f
!illI2;LLinproperinla.cnm/06-07-1D-samaan-<leposition·pdf
hltD;I[l1lproperinla.cnm/07-02-08-<oontlyWide-f@udtJent-subpoena-productiorK-~
htto:/Iinproperinla.com/06-11-09-<k:x:-38-1-enunlIywide-r!Jdaurin-fulse-dedaratioo5,pdf
htto:ljinproperinla.cnm/06-11-0.L-doc-38-2-enuntrvwide-mdaurin-false-dedarations,o<!f
J:lt!I!.:Lli.npropeJinla.com/07-06-2().bet-tzedek-web-paqe-with-samuels-before-lettc~"QQ[ - samuels - the
fraudster as "fraud buster"
Confidentiality Nolice: The information contained in and transmitted 'oNith this communication is strictly
confide ntial, is intended only for the use of the intended recipient, and is the property of Countryv,ide Financial
COrporation or its affiliates and subsidiaries. If you are not the intended recipient, you are hereby notified that
any use of the information contained in or lransmitted \'Ath the communication or dissemination, distribution, or
copying of this communication is slrictly prohibited by law. If you have received tllis communication in error,
please Immediately retum this communication to the sender and delete the original message and any copy of it
in your possession.
;==:::=:::=~=============::=~~=========:::==:::=====::==::====
J= M..k1.ws~1'
l}rm:c 31o.S7e.-Un
;cm..rnQ\d.\V,l;)"@b<j-::no"t..com
Decembc( 11,2008
eIV" c••• LIP
;:·131~151.·~IOO
2415 Saint George: Street F". iJl~. Sl6·l1liO
Los Feliz, California 90027

jlill.4.5~l\rthlink.nct
Moe Keshavarz~ Esq.

Sheppard Mallin Richter & Hampton, UP
.!r.ttnr,=on eii\,
Los Angeles, CA 90071-t448
Facsimile: 213-620-1398
ml<c..,navarzi@,hcpp3.1'dmullin,com

LegAl Depanmenr
Coldwell Banker Re:;idclltial Brokerage Company
11611 San Vicente Boulevard, 911> floor
~l. Loui:.;
Facsimile: 310-447·1902
LQ12crt.l'hulkin@£amov~
David J. Pasternak £1\' •• c~vo .olt.naliCl.llt Tradto

'" "uN CDlf~al1l'; jUCJJ;~1iY
Pasternak, Pasternak & Patton, UP :;.I NO~'L,'1"'lTfJ rr."l;.StO",,AU
1875 C:entury Park East, Suitc; 2200 ........YVI.Myill!CJYC!1I3do.cr:lm
Los Angeles, California 90067 -2523

Facsimile: 310-553-1540
;iliP.@pas}m.v.com
Rc: Nivic Sf!Inaao v. IO$eph Zemik

Los Angeles County Superior Court, Case No. SC8087400
Nonce of Ex PaJ1e ~~tion
o.r'Yan Cf)lIC" SlrDlogiol
Gentlemen: 1 CI""ChvIHr NW~N~ J.)(~
".tHwr~. AITIfJln rUIUlQMP
Please be advised th:\t Noo-Party Countrywide Home Loans, Inc. ("Countrywide")

will !lpply ~x paTte for an order shortening time for the Court to hear Countrywide's Sl lout':;
motion (1) for monetary sanctions against Defend2nt Joseph Zemik. ("Zernik") (or
Si\101 DOCS6G571S.1

Moe Keshavar2i, Esq.
Bryon Cave LlP
David J. Pasternak, Esq.
Decembcr 11, 2008
Page 2
his tepe:lted violations of the July 23,2007 Protective Order directing Zemik to commuwatc solely
with Countrywide's designated counsel regarding dle present action and no other Countrywide
offlccrs or employees ("COU1·t Order'); (2) for an order co show cause why Defendant Joseph Zeroik
should llot bc held in contempt and sanctioned :lccordingly for his continued viobtions of the Court
Order; and (3) for a modifiauon of the Court Order to include officers :lod employees of aU
Coun u)'wide affiliates, including Bank Of America CorporAtion, which acquired Countrywide in July
2008 (the "Motion"). Countrywide requests that the Court set the earliest possible hearing date on
this Motion. In me altcrnative, Counrrywide asks the Comt to set :I. hearing clate ofJanuary 8. 2009,
which would providc the parries with sixteen cmm-days' notice.
Couotlywide's (X parle appliC:ltil)n seeks relief on the grounds th:lt Defend:lfit Joseph Zernik continues
to viohte the tcrtns of the July 23, 2007 protectivc order by contacting Countrywide's senior officers
:tnd employees, and Countrywide will suffer irrepamble hArm jf it is forced to continue to endure
Zeruik's harassment without timely COUIt intervention to rcsl)lve tl)is mattcr.
Countrywide's exparle application will he heard at 8:30 a.!!h.on Monday. December 15, 200S, in
Dep::U:l:IDcnr WEJ of tne Los Angeles Superior COUIt, looted at 1725 Maio Street, Santa Monica,
L:llifornia, 90401.
Please advise as to whether you intend to app~r and/or oppose Countrywide's ex park application.
Very truly yours,
It'H/)~TY141Yw7
Jenna Moldawsky .
S.\WlDOCS6G5715-J
PROOF OF SERVICE 11
1
2
I am employed in the County of Los Angeles, State of California. I am over the age of 18
and not a party to the within action. My business address is Bryan Cave LLP, 120 Broadway, I
i
3 Suite 300, Santa Monica, California 90401~2305.
I
4 On December 18.2008, I served the foregoing document(s), described as NON-PARTY I
COUNTRYWIDE HOME LOANS, INC.'S NOTICE OF MOTION AND MOTION (I) FOR
MONETARY SANCTIONS AGAINST DEFENDANT JOSEPH ZERNIK IN THE
5 AMOUNT OF $5,564.50 FOR VIOLATIONS OF THE JULY 23, 2007 PROTECTIVF. ,
I
6 ORDER; (2) FOR AN ORDER TO SHOW CAUSE WHY DEFENDANT JOSEPH ZERNIK !
SHOULD NOT BE HELD IN CONTEMPT AND SANCfIONED FOR VIOLATIONS OF I
7 THE PROTECTIVE ORDER; AND (3) FOR A MODIFICATION OF THE PROTECTIVE I
ORDER TO INCLUDE OFFICERS AND EMPLOYEES OF ALL COUNTRYWIDE 1
8 AFFILIATES, INCLUDING BANK OF AMERICA CORPORATION; MEMORANDUM I
OF POINTS AND AUTHORITIES; DECLARATIONS OF JOHN W. AMBERG AND
9 TOOD A. BOOCK, on each interested party in this action, as follows:
I
~
(BY HANn DELIVERY) r caused a true copy (or original) of the foregoing I
10 document{s) to be delivered by hand to each interested party set forth below:
11
Robert J. Shulkin, Esq. Joseph Zernik
12 Legal Department 2415 Saint George Street
Coldwell Banker Residential Brokerage Company Los Feliz, California 90027
13 11611 San Vicente Boulevard, 9th floor
14 Los Angeles, CA 90049
is [8J (BY OVERNIGHT DELIVERY) 1 enclosed the document(s) in an envelope or

package provided by an overnight delivery carrier and addressed to each interested party set forth
16 below with delivery fees provided for. I placed the envelope or package for collection and
overnight delivery, following our ordinary business practices. In the ordinary course of business at
17 Bryan Cave said envelope or package would be deposited in a box or other facility regularly
18 maintained by an overnight delivery carrier or delivered to an autllOri7.ed eourier or driver of an
overnight delivery carrier for next day delivery.
19 t David J. Pastemak Moe KeshavarLi, Esq.
20 Pasternak, Pasternak & Patton, LLP Sheppard Mullin Richter & Hampton,
1875 Century Park East, Suite 2200 LLP
21 Los Angeles, California 90067-2523 333 South Hope Street, 48th Floor
Telephone: 310-553-]500 Los Angeles, CA 90071-1448
22 Facsimile: 310-553-1540 Facsimile: 213-620-1398
23 djp@paslaw.com mkeshavarzi@sheppardmul(jn,com
24 Executed 011 December 18, 2008, at Santa Monica, California.
25 I declare under penalty of peljury under the laws of the United States of America and the
State of California that the foregoing is true and ,corr:cS17
26 ~~
27 Alexa Kim
28
SMOII)OCS712J47.1 COUNTR.YWIDE'S MonON fOR SANCTIONS AND OlliER

RELIEF
PROOF OF SERVICE BY HAND DELIVERY

l
I am employed in the County of Los Angeles, State ofCalifomia. I am over the age of 18
2 and not a party to the within action. My business address is 1511 W. Beverly Blvd., Los Angeles,
3 CA 90026.
4 On December 18, 2008, I served the following documents, enclosed in a sealed envelope,
described as: NON-PARTY COUNTRYWIDE HOME LOANS, INC.'S NOTICE OF
5 MOTION AND MOTION (1) FOR MONETARY SANCfIONS AGAINST DEFENDANT
6 JOSE·PH ZERNIK IN THE AMOUNT OF $5,564.50 FOR VIOLATIONS OF THE JULY
23,2007 PROTECTIVE ORDER; (2) FOR AN ORDER TO SHOW CAUSE WHY
7 DEFENDANT JOSEPH ZERNIK SHOULD NOT BE HELD IN CONTEMPT AND
SANCTIONED FOR VIOLATIONS OF THE PROTECTIVE ORDER; AND (3) FOR A
8 MODIFICATION OF THE PROTECTIVE ORDER TO INCLUDE OFFICERS AND
EMPLOYEES OF ALL COUNTRYWIDE AFFILIATES, INCLUDING BANK OF
9 AMERICA CORPORATION; MEMORANDUM OF POINTS AND AUTHORITIES;
10 DECLARATIONS OF JOHN W. AMBERG AND TODD A. BOOCK, on the person(s) set
forth below:
11
Robert J. Shulkin, Esq. Joseph Zernik
12 Legal Department 2415 Saint George Street
Coldwell Banker Residential Brokerage Company Los Feliz, California 90027
13
11611 San Vicente Boulevard, 9 1h floor Telephone: (310) 435-9107
14 Los Angeles, CA 90049 Facsimile: (801) 998-0917
Facsimile: 310-447-1902 jzI2345@earthlink.net
15 robert.shulkin@camoves.com
16
17 XX_ By personally delivering a copy of the documents to the address listed above.
18 Executed on December 18,2008, at Los Angeles, California. I declare under penalty of

perjury, under the laws of the State of California, that the foregoing is true and conect.
19 I
20
21 Signature
22
23
24 Please Print Name
First Legal Attorney Service
25
26
27
28
SMOIDOCS112347.1 2
COUNTRYWlDE'S MOTION FOR SANCTIONS AND ornER
REI.1EF
COpy
BRYAN CAVE LLP
John W. Amberg (CA State Bar No. 108166)
2 .Jcnna I\-loldawsky (CA State Bar No. 246109)
ORIGINAL FILED
120 Broadway, Smte 300
3 Sant3 l'vionica, California ()0401·2386 JAN 06 2009
Telephone: 310-576-2100
4 Pacslmilc: 310-576-2200
SUPERIOR COURT
5
Attorneys for Non-Party COUNTRYWIDE HOME LOANS, INC.
6
8
10
Case No. SC087400

'"
IX!
M
~ Plaintiffs,
0;;
O'f SUPPLEMENTAL DECLARATION OF
MO
II- W'" JENNA MOLDAWSKY IN SUPPORT
..J t -<
J :l Z OF COUNTRYWIDE HOME LOANS,
W Ul '" 14 INC.'S MOTION POR SANCTIONS
~ ~ ~
u
z a
i :;
<:
AND OTHER RELIEF AGAINST
<: <: U 15 JOSF,PH ZERNII<" el al. DEFENDANT JOSEPH ZERNIK
>- 0 -
Ir Ir <:
rnm~
o z 16 Defendants.
'" 0
~::E
<: Date: January 13, 200()
I-
z
17 Time: 8:45 a.m.
<:
l/l
Place: WFJ
IX
19
21
I, .Icnna l\loldawsky, declare as follows:
22
I. I am an attorney licensed to practice law in California. J am an associate in the
23
law firm of Bryan Cave Ll.P, counsel of record for non-party Countrywide Home J,oans, lne.
24
("Countrywide''). I have personal knO\vledge of the facts set forth in this Supplemental
25
Declaration. I submit this Supplemental Declaration to present new evidence to support
26
Counrryv.:ide's pending motion for monetary sanctions and for other relief against Defendant
27
Joseph Zcrnik's ("Zernik") violation of the Court's protective order of July 23, 2007.
28
SMOI DCX·S714813.J SUPPLEMENTAL DECLARATION rN SUPPORT OF MOTION

FOR SANCTIONS
2. On December 28,2008, Zernik sent an email to myself and others, claiming
2 that r \vas the "\X1inner of the 2008 Pinokio AwarJ," attacking my credibility as counsel for
3 CountrywiJe, claiming that I am a "precious student in the art of streamlining," and stating
4 that "the Pinokio Award committee congratulates you ... for such unique achievement so early
5 in yom career - as graduate of UCLA Law School, Class of 2006." A true and correct copy of
6 this correspondence is atuched to trus Declaration as Exhibit A and incorporated herein by

7 reference
8 On December 29, 2008, Zernik sem a fax to Kenneth D. LeWIS, Ilresident and
9 CEO of Bank of j\merica <'":orporation, and Timothy Mayopolous, General <'":ounscl of Bank
10 of America Cmporarion, demanding withdrawal of Countrywide's moving papers. l-ernik
11 also ;dleges "collusion of the Clerk of the Court and the Presiding Judge" In this matter. A
I/)
co
<'l
':' 12 true ,Ind correc1 copy of this correspondence is attached to this Declaration as Exhibit Band
0
0
0
..
Q.
l'l0
... 01
J!: «
~ ~ ~ 14 il. CountrywIde reserves its right to suhmit further evidence in advance of the
~ ~ ~
U ~ ::;
z a ..
.. .. U 15 hearing on its Motion.
>- a .
'"
m lD'" ;! ..
o Z 16 I declare under penalry of perjury under the laws of the ~tatc of California that the
- ..
N 0
~
>- 17 fOt"Cgf ling is true and correct.
.
z
U1
18 J ~xecuted on January 6, 2009, at Santa MOBlca, California.
19
20
2]
22
24
25
26
27
28
SMOID(M~S7l4813.1 2
SUPPLEMENTAL DECLARATION IN SUPPORT OF MOTION
FOR S,\NCTIONS
EXHIBIT A
Digitally signed by
Jos.eph Zernik
1 IJ DN:cn=Joseph lernik.
) .Y-v-vL em.il=Jz1234S@..nhi
ink.oel. C=US
Oat.: 2008.12-28
20:26AS -08'00'
,'oseph Zemik OMD PhD
. 3Y,. .
Wfl: . .:.:~ t.:.~,~o' ~~.""1 .J!1 .;:~ .• ..:.'.';;.<~_~. f:?:.;~ ... j',d
" Judge shall be faithful to the law... "

Cal Code Jud EU,ics 38(l)
"TIle rule of law must never be confused with tyranny of the courts"
Anonymous
All Jenn3 Moldawsky Pil1Okio Art. Sandor Samuels Judge Learned Hand (I1OtTeny Friedman)
09-01-13. AU .lenna Moldawsky - \Vinner of the 2008 Pinokio Award*

As the year comes to a close, there is no doubt that Att Moldawsky deserves more than anyhody else the
2008 Pinokio Award! AU Moldawsky won the award for her landmark paper:
"Non-Party COlllltl1Jlvidc Home Loan.'>, Inc' Notice ofA-lolion (md lHolionfo,.11.{onctwy

Sanction.'>..."..<",
"In this artful pleading, Att Moldav.sky masterly crafted all possible Pinokio effects:
At! Moldawsky purportedly represents a corporate client, but she would not answer direct questions about its
identity, neither has she filed any corporate disclosure in the past six months since ROA took over
Countrywide. ancl since Sandor Samuels and Angelo Mozilo presumably ceased to be Countrywide
employees. A It. tVloldawsky also filed 110 paper showing she was authorized by £30A. and BOA denied ~he
was aulhori/.cd.
All Moldawsky purportedly represents a client whom she designates "Non-Party". £3y what authority and on
what legal foundation she came by this party designation? Obviously it is handy in failing to report the
violations of the law per ~arbanes-Oxley Act 01'2002 §307, but why did the Clerk of the Court accept such
filing?
AU. rVloldawsky's paper claims to be part of a case captioned Samoan v Zernih (SC087400), of the LA
Superior Court. But the offices of Presiding Judge and Clerk of the Court re!lIsc to certity such facts.
All Moldawsky adequately listed no judge as being assigned the to the case on the face page. And yet, in the
firsl sentence she noticed it to "Department.r'. What legal thmry led Att Moldawsky in detennination of
venue and jurisdiction? Maybe the fact that Mr Terry Friedman is a friend of Mr Sandor Samuels."
All Moldawsky's arguments arc based on a purported July 23,2007 Order by .fudge Conl1or, but a valid
order thai was issued, served. noticed, and entered in a timely manner is yet to be produced ...
All Moldawsky included in her motion a table of authorities. How did she detennine that such ca~e is
adjudged by the Law of the Stak of Cali fomi a ?
Att Moldawsky, again. produced evidence with no authentication, and insufficient pleadings - by counsel.
Tl1e Pinokio Award committee congratulates Y0ll, Att Moldawsky, for such unique achievement so early in your
career - as graduate of UL1A Law.'>'chool, Class of 2006. Congratulations also 10 your mentors at Bryan Cm'e,
LLP, Rank ofA merica, and CouJltrywide. Mr Samuels' inspiration surely shines between your lines - his
pn:cocioll.<, student of the art of streamlining, of which he is a master - second to none ...
All the best'"
• "Is MohJa"sky', IInprenuented >chievement wlIulw submi"ed to Boing Hoing -:llhoing,ooing.netJ.
•• !!!!I!:llinp, \'perinl".wm/09-1l 1-1 J-mnItJ"" sl.y-nolice-of-molion-sanclinns-conlem p1~
.............. 260-22 Filed in TXSB on 05/08/09 Page 23 of 35
EXHIBITB
To: Lewis
lEi if'.
Page 10f5 2008-12-2923:01:32 (GMT) From: Joseph Zemik
RECEIVED JAN 0 2 ZDuE
Fi\X COVER SHEET

T() Lewis
--------------------------
COMPANY
FAX NUMBER 17043887342
FROM Joseph Zernik
DATE 2008-12-29 23:01:09 GMT
RE Demand to withdraw papers for Motion Jan13,09
COVER MESSAGE
Dec 29, 2008
TO:Jenna Moldawsky, Attorney at Bryan Cave, LLP

John Clarke, Clerk of the Court, LA Superior Court
Stephen Czuleger, Presiding JUdge, LA Superior Court
Timothy Mayopoulos, General Counsel, Bank of America
Kenneth D Lewis, President, CEO, Chair, Bank of America.
From: Joseph Zernik
Senior staff of the office of the General Counsel, Bank of

America, in phone calls referenced in Moldawsky's papers
stated that Att Moldawsky was NOT authorized to represent
Bank of America in court. However, exhibits of the recent
filing by Att Jenna Moldawsky suggest that BOA senior
management, Ms Brinkley, Ms Brenner and/or Mr Lewis
provided records for such filing.
Similarly, such violations of the law could not have taken
place had it not been for collusion by the Clerk of the
Court and the Presiding JUdge of the court, who have been
reliably informed of such violations of the law taking
place on the premises of the court, under the name of the
court, and yet, have taken no action to stop such conduct.
Please accept this this cover note and the enclosed letter
as a demand to remove Att Moldawsky's papers, and to cease
and desist racketeering. Please also accept it as a
notice to General Counsel and CEO of BOA regarding
Violations of the law per Sarbanes Oxley,section 307.
Moldawsky's motion can be viewed at:

http://inproperinla.com/09-01-13-moldawsky-notice-of-motior
To: Lewis
sa. IAtS
Page 2 of 5
£
2008-12·29 23:01 :32 (GMT) From· Joseph Zemik
D'9'tally "gned by
Joseph Zem,k
DN: <n=Jo<eph lemik.
) . ~ ~mall"lz123.5@e.rthll
nknel,c=US
Date. 2008.12.29
Joseph Zemik DMD PhD 13:43:13 ·08'00'
Fi,>' I:'!lj~; c.~H~··()~~7 t:m,Jll' !zl'2~45@earthlink mo·1
.. JudgeshaJ/ be faithful to the taw••. "

C.I Cod<> Jvd ElhlQ JB(2}
"The rute of law must never be confused with tyranny 01 the courts"
....nonymous
Dec 29, 2008
lenna Moldawsky
jenna moldawski@bryancave com
John Amberg
c·Jwarnberg@BryanCave corn>
M()dl§~lLleffreYA
Managmg Partner- Los Angeles
iillDodisett@hryancave carl}
Peter \lan Cleve
Managmg Partner - Sf. LoUIS
pdvancleve/aiBryanCavecom
BY bx (310) 576-2200
08-12-29. Demand to immediatelywitbdraw filings that must be

deemed upon review in violation of the law, and demand to
ccaore and desist racketeering- RICO 18 USC § 1961-1968.
Lady ftnfl gentlemen:
In the most rec:ent filing from Bryan Cave, U.P, trnder the signature of a junior attomey in your office,
one finds evidence of continued racketeering - obstruction :md perversion ofjustice, filing of falo;e
records in COIlrt, etc.. Please acrept this letter as a demand to withdraw the latest filing - a notice of
motion and motion purportedly scheduled forJanuary 13,2009.
Separllte demands are sent to a) the office of the clerk of lASe, and b) the office ofTimothy
Mayopoulos, General Counsel of Bank of America, who appe.ar to collude in such conduct that must be
deemed in violation of the C'.alifomia and the U.S. penal codes.
For referencc, pleBS(' find a copy of Bank ofAmerica General Counsel Outside Cooosel Procedures at:
hnp:/liJllJJ'Operi!ll!~!com/08-12-11-boa-Qldside-C()unscl-procedurcs-s.plJ[
for reference, please find a copy of Ms Moldawsky's noUce of moUon and motion and additional records at:
l.!1:!:ml/inprqperinla.comj09-01-13-moldawsky-rwtice-of-motlon-sanclicms-
contempt.P4f
Listed below are just some of the reasons for the statements above:
1 All Moldawsky purportedly represents a corporate client, but she would not answer direct questions about
Its Identity, neither has she filed any corporate disclosure in the past SIX months since BOA took over
Countrywide, and since Sandor Samuels and Angelo Mozilo presumably ceased to be CountrywIde
emplo)'ees.
To: Lew,s
5,a:
Page 3 of 5
Mt 2£
200&-12-2923:01:32 (GMT) From: Joseph Zemik
December 29. 2008
a Please immediately provide verified sLatement including the exact identity ofyau client(s) wIth a
corporate disclosure(s), whether Samuels and Mozdo are still employed by Bank of.America,
and/or any of Its affiliates and/or subsidiaries, and whether or not you still represent the latter two
gentlemen Please include in such sLatement evidence of your authoriz.ation by General Counsel of
Dank of Amenca oflice.(e.g. Legal Matter #, BOA procedures. part II, page 2).
2. Please provide reference to the authority and legal foundatIOn for the desiguation ofyollr client as "Non-
Party".
3. In case you represent Bank of America or any of its affiliates and/or subsidiaries, please provide venfied
statement that you are famlhar With your duty to report per Sarbaoes-Oxley Act of2002. § 307 (e.g. BOA
procedures, part V J1, page 8) •
4 Please provlde certIfication by office of the Presiding, Judge of the Court - Stephen Czuleger, or office of
the Clerk of the Court, John Clarke, that case captlOnedSamlliJn v Zemik (SC087400), is indeed a case of
the LA Superior Court and the Supenor Court of the State of California The preponderance of the
eVIdence, includmg bul not limited to the fact that conduct such as your conduct in the past year and a half
indicates that such case never was, and never will be a case of the Superior Court of Caltfoffila.
s. Please proVide certificalion by office of the Presiding Judge, Stephen Czuleger, or the office of the Clerk
of the Court, John Clarke, that such case was duly assigned to Judge Terry Friedman
6. Ple,l<;e provide a copy, certified by office of the Presiding Judge, Stephen Czuleger, or the office of the
Clerk., John Clarke, of the purported July 23, 2007 Order by Judge Connor
7 Please provide adequate authentication of all evidence.
8. Please prOVide venfied statements by Mozilo and Samuels regarding any purported harassment suffered
by them and/or any communication received by them. as claimed by you in this pleading andlor In
prevIOus ones
<) Please prOVide venfled statement explaining the nature and the legal foundation of the recent monetary
transactIon where you received $7,500 from Att David Pasternak.
10 Please provide venf:cd statement explaining the nature and the legal foundatIOn of any prevIOus monetary
transactions between you and All David Pasternak related to this matter
II Exhibit A includes copy of a purported Minute Order date 7/23/07 purportedly as evidence for a purported
court order My daLa indicate that the copy you attached is false and deliberately misleadmg, the tTUe date
that such paper, whether legJtunate or false, was entered IS 7/24/07. Furthermore, the record you
presented is missing the Clerk's Certificate of Mailing and Notice afEntry. therefore invalid. The habit of
the LA Supc~ior Court to Violate baSIC rights of Due Process such as notice and service is annually
denounced by the Callfonlla Council on JudiCial Performance Furthermore, the Register of Actions of
the pllfported case shows that such purpor1ed hearing of Countrywide's abusive motion was heard "offthc
record". and was the result of a procedure on 7/6/07 that wa, out of complIance and in violation oftJle
law. and was explicitly I.tsted In the Register of Adions as "offthe rcwrd" Please proVide cel1ificatlon by
the ofiice of Presiding Judge Stephen Czuleger andior otIice of the Clerk of the Court John Clarke,
together WIth a venfied statement by one of these two providing the legal foundation and authentication f
thIS record, which on its face IS a mlSTepresented and misidentified legal record.
] 2.'\xhihlt B lllcludes a DeclaratIon by All Boock., providing hearsay of phone conversatIons between Zernik
.lnd Randy Sparks, and between Zemik and Phillip Wertz, and between Zemik and numerous various
others In the Legal Department of Bank of America. Please provide adequate evidence of these phone
calls, that is not by hearsay, where Zernik was advised that Jenna Moldawsky is NOT authorized to
represent Bank of America
£ O. . . .
From: Joseph Zemik
T0: Lewi~ Page 4 of 5 2008-12-29 23:01:32 (GMT)
13 Exh:!'>lt B further includes a purported Order, dated Feb 15, 2001l, signed by Mr Terry B Friedman, falsely
idcntifYmg hun as a judge holding Jwisdlction in a case falsely identified as a case of the Superior Court
of the State of California, falsely captioned Sarnaan v Zernik (SC01l7400). Please provide certified copy
of this record, together WIth a verified statement by either Preslding Judge Stephen Czuleger or Clerk of
the Court John Clarke, that such IS an authentIc record of the State of California Superior Court, that case
captioned Samaan v Zcmik (SC087400) lS indeed a case of the State of California Superior Court, and
that J'vir Terry Friedman held at that timc jurisdiction over such matter
14. Exhibit C mclude a purported Judgment RE: Contempt, dated March 7, 2008, signed by Mr Terry B
FrIedman, please prOVIde evidence as in 1113 above
15 ExhIbit D lOcludes a recOJd mcluding an emaIl datedNovI2.2008.Itis obvious that this is an adulterated
record, and the top part of it was deleted Please provide the full and complete record with adequate
authenticatlcn and full legal foundatIOn,
16 Exiu bIt F mcludes a copy of an email from John Amberg regarding representation, thai is neither verified,
nor authenticated, and is nllSsing the supporting document3tion to provide it with legal foundation Please
prOVide the necessary evidence
17 Exhlbit H Includes an adulterated copy of an email record dated Dec 9, 2008, regarding the payment of
$7,500 Again, the top portion ofthis record was deleted. Please providc the complete rccord with
adequate authenticatIOn and foundation.
IE Exhibit I includes an adulterated computer record - copy of an email dated Dec 9, 2008 regarding the
ITaudulent copy of a real estate purchase agreement produecd in subpoena by Countrywide and filed in
coun by Att Mohammad Keshavarzi. Again, the top portion of this record was deleted. Please proVIde
the completc record wlth adequate authentication and foundation,
19 Exhibit K lIlc1uJes a copy of a lener dated December 3, 2008, addressed to Mr Kenneth LeWIS and Ms
Teresa Brenner, Demand to mitigate damages and for corrective actioILs Please provide adequate
i1uttlt;ntlcatlOn and legal foundation.
20 Exhibit L of the current pleading includes copy ofa fax transmission addressed to Mr Mayopoulos, and
beanng fax header Imprmts suggesting it came from the office of Mr Mayopoulos, Please provide
adequate verification by Mr Mayopoulos
2J, ExhibIt M of the current pleading includes copy ofa fax transmission that appears stamped: "Received",
and handwfltlen marked - "12/9/08 AWL, refer: Exe<: Relations, via filx BOA 804-264-2082", It appears
-J13t such record was received III an office located In the State of Virgirua, possibly the office of Amy
'Woods Bnnk'ey, GlobalH.lsk Executive, Bank of America CorporatIOn, and Member of the Board of
Directors Please proVide adequate verification by Ms Brirkley or whomever was the source of such
record
22 Exhibit N of the current pleading lllcludcs copy of an email transmIssion, dated Dec 16,2008, that could
.;;orne from one of a large ntunber of mdividuals. Please provide adequate verification by whomever was
the source of such record,
23 Lxhlblt N of the current pleadIng further mcJudcs copy of a letter dated Dec 12,2008. Please provide
<,dequate verificatJOD
24. ExhIbit N of the current pleading further includes copy of an email by Alt Todd Book, dated Dec 9,2008
Please provide adequate verification
25, Exhibit N oithe current pleading further includes copy of a letter by All Moldawsky dated Dec 11,2008
Please prOVide adequate verificatIOn
&i&dI&&iiWut From: Joseph Zemik

To: Lewis Page 5 01 5 2008-12-2923:01:32 (GMT)
26 ExhIbIt N of the current pleadmg further includes copy of Proofof Service that is unverified Please
provide venflcation, authentication, and the legal foundation
27 Exhibit N of the current pleading further includes copy of a proposed order, naming Judge Terry
Friedman as the purported sIgner Please provide verification, authentication, and adequate legal
foundation.
).~L
Joseph lenllk
CC
J STEPHEN CZULEGER
PresIding Judge o)f lh<:- Coun of Los Angeles
By cmad
By fax
rOI IN A CLARKE
Clerk of the Supeflor Court of Los Angeles
By coni!
By fax
TERR Y B FRIEDMAN
Judge of the Superior Court of Los Angeles
Byem,lil
By fax
PROOF OF SERVICE
1
2 and not a party to the within action. My business address is 120 Broadway, Suite 300, Santa
Monica, California 90401-2305.
3
On January 6, 2009, I served the foregoing document(s), described as SUPPLEMENTAL
4 DECLARATION OF JENNA MOLDAWSKY IN SUPPORT OF COUNTRYWIDE HOME
LOA~S, INC.'S MOTION FOR SANCTIONS AND OTHER RELIEF AGAINST
5 DEFENDANT JOSEPH ZERNIK, on the interested party(s) in this action, as follows:
6 Joseph Zernik David J. Pasternak

2415 Saint George Street Pasternak, Pasternak & Patton, LLP
7
Los Feliz, California 90027 1875 Century Park East, Suite 2200
8 iz12~45@earthlink.net Los Angeles, California 90067-2523
Telephone: 310-553-1500
9 Facsimile: 310-553-1540
djp@paslaw.com
10
11 Moe Keshavarzi, Esq. Robert 1. Shulkin, Esq.

Sheppard Mullin Richter & Hampton, LLP The Law Department
'"
10
C'l
':' 12 333 South Hope Street, 48th Floor Coldwell Banker Residential Brokerage Company
0-
0 0 Los Angeles, CA 90071-1448 27271 Las Ramblas
<'lg 13 Facsimile: 213-620-1398
1I."0l Mission Viejo, CA 92691
..J !: -<
Telephone: 949-367-2077
14 mkesl avarzi@sheppardmullin.com
1
~~~
> • 0
-< >- .. Facsimile: 949-367-2080
U~::i
z c -< 15 robert.shulkin@camoves.com
-< -- 0 •
« « -<
10 III !!
o z
o (BY MAIL) I placed a true copy ofthe foregoing document in a sealed envelope
16 addressed to each interested party as set forth above. I placed each such envelope for collection
III 0
-~
..z
I- 17
and mailing at Bryan Cave LLP, Santa Monica, California. I am readily familiar with Bryan Cave
-< LLP's practice for collection and processing of correspondence for mailing with the United States
III
18 Postal Service. Under that practice, the correspondence would be deposited, with postage thereon
fully prepaid, with the United States Postal Service on that same day in the ordinary course of
19 business.
20 [gl (BY OVERNIGHT DELIVERy) I deposited in a box or other facility maintained

by Federal Express, an express carrier service, or delivered to a courier or driver authorized by
21 said express carrier service to receive documents, a true copy (or original) of the foregoing
22 document, in an envelope designated by said express service carrier, with delivery fees paid or
provided for.
23
Executed on January 6,2009, at Santa Monica, California.
24
I declare under penalty of perjury under the laws of the United States of America and the
25 i State of California that the foregoing is true and correct.
~
26
27
Alexa Kim
28
SMOIDOCS7148J3.1 3
SUPPLEMENTAL DECLARAnON [N SUPPORT OF MOTION
FOR SANCTIONS
cOpy
BRYAN CAVELLP
John W. Amberg (CA State Bar No. 108166)
ORIGINAL FILED
2 Jeona Moldawsky (CA State Bar No. 246109)
120 Broadway, Suite 300 JAN 0 9 2009
3 Santa Monica, California 90401-2386
Telephone: 310-576-2100
4 Facsimile: 310-576-2200 SUPERIOR COURT
5
J\ttorneys for Non-Party COUNTRYWIDE HOME LOANS, INC.
6
7
8
9
JO
I J NIVIF ~/\l\L-\I\N, et a!., Case No. SC087400

w
(J)
I'l
':' ]2 Plaintiffs,
0(;
o ~ SECOND SUPPLEMENTAL
I'lO 13 DECLARATION OF JENNA
Jl. '" <ll
.J ~ 0(
..J ::) i
\is. MOLDAWSKY IN SUPPORT OF
Will 0: J4 COUNTRYWIDE HOME LOANS,
~ >-"' ~
U ~ ::; INC.'S MOTION FOR SANCTIONS
Z 0
< - 0 •
0: II: <
to Jll ~ DEFENDANT JOSEPH ZERNIK
16 Defendants.
~n
-;[
<
...Z J7 Date: January 13, 2009
<
l/l i Time: 8:45 a.m.
18 i Place: WFJ
19 I
I
20 ~. . ~. __.. ._~__ .J
21
22 1,Jenna :,\101dawsky, declare as follcf\Vs:
23 1 [ am an attorney licensed to practlce Ja\,,· in Cali forma. 1 am an associate in the
24 1;1\\: finn of Bryan (aye LLP, counsel of record for non-party Countrywide Home Loans. Inc.
25 ("COl:nttT\v-ide"). Thave personal knowledge of the facts set forth in this Second
26 Supplemental Declaratjon. 1 submit this Second Supplemental Declaratjon to present new
27 evidence to support Countrywide's pending motion for monetary sanctions and for other
28 rdid a.gainst defendant Joseph Zernik ("Zernik").
SMC I DO~ 'S7' 5392. J SECO.'JD SUPPLEMENTAL DEC LARATlO" IN SUPPORT OF

MOTION FOR SA."CTlO.'JS
2. On December 3, 2008, Zernik sent a letter to Kenneth D. Le'W1s, President,

2 Chief Executive Officer and Chairman of Bank of America Corporation, and Teresa M.
3 Brenner, ASSOCIate General Counsel for Bank of .America Corporation. In the letter Zernik
4 demands that Bank of America Corporation "mitigate [his] damages" relating to the present
5 action, and calls for "corrective action." Included in the letter is a purported "press release"
6 in wl:.ich Zernik alleges that Countrywide is guilty of "fraud," and accuses the Los J\nge1es
7 Superior Court of "elaborate court fraud." A true and correct copy of this correspondence is
8 attached to this decl'lration as Exhibit A and incorporated herein by reference.
9 .3. On December 11, 200H, Zernik sent another letter to ~v1 r. Le\'vis and Ms.
10 Brenner, along \vith Timothy Mayopoulos, General Counsel for Bank of America
] 1 Corporation, and \X1illiam J. Mostyn III, Deputy General Counsel for Bank of America
'"
co
::: ] 2 Corporation. to the letter, Zernik claims that he is "a victim of real estate fraud perpetrated by
00
gg
ll. .. Cl
13 Counrry\vide Home Loans, Inc." and accuses thos<' involved in the present action of
...J t: <
: ii: ~ 14 "f(lbncat!ingJ court records." Zernik demands a response to his letter by December 16, 2008.
~ >= ~
u ~ :::;
~ ~ <1
>- 0 •
15 j\ true and correct copy of this correspondence is attached to this declaration as Exhibit n
a: a: '"
m~ ~ 16 and incorporated herein bv reference.
_::E
«
...
z
17 4. Country\vide reserves its right ro subnut further evidence in advance of the
'"
1Il
18 hearing on its 1\100011.
19 j declare under pellalty of perjury under the laws of the State of California that the
20 forcg l ling is true and correct.
21 Execllted on Ianuarv 9, 2009 at Santa \!lonlca , Cali forma.

.-' ~
22
24 CJ.uA/!<.ILJP-ftfJdwu(j
.~~sky
25
26
27
SMOJDClCS7JS392 ) 2
SECOND SUPPLEMENTAL DECLARATlON fN SIIPPORT OF
MOTION FOR SANCTIONS
-
EXHIBIT A
Digitally ~lgnJ'd by Joseph

Zprnik
ON: m:Joseph Zerni1c.
).~ .matl:j>12:y.5~.rth!lnk.
net~c"'US
O.le: 2008 );>.0114:09'07
Joseph Zemik DMD PhD -08'00'
Fax. (801: 998-0917 E:mall JZ12345@earthltnknel
" judge shaff be faithful to the law.....

Cal Code JlJd EttJJt:s 38(21
.. The rule of law must never be confused with tyranny of the courts"
AnmJymous
TIME IS CW THE ESSENCE
Decemher .}. 2008

KLNNFrH D. LE\vIS
Chainn~l1, Chi",fE\:lxluive
Officer. and President
Bank of America C0'llofation
TEKESA rv1. I3REN'JER

AssociZiIC General Counsel
Bank oi"Amcrica Corporation
100 North Tryon St
Bunk or America Corporate Center
Chulot'c, 1'-'orth Carolina 28255
RE: DEMAND TO :vJITIGATE DAMAGES ANI) FOR CORRECTIVE ACTIONS
Mr Lewis. Ms 13rel1ne":
My rcccrds show that in carly February 200S, soon after your initial decision to takeover Countrywide, I send YO\l
written notices describing the (;onduct of Countrywide in COllrt here in Los Angeles, relative to litigation in
Samaan v Zernik. SC087400, which started in October 2005, and is still going on today.
Enclosed is a press release daled December J, 2008, titled:
Who's in Control? Countrywide's Involvement in a Dubious Los Angeles Superior Court Case Continues even
after Takeover by Bank of America; U.S. Department of Justice has tolerated the runcrway LA. court in the past 8
years, and thousands (?) are falsely imprisoned by the same court for over a decade..
Also endoscd is a leiter to various parties, please an;ept it as addrcss(:d personally [0 you with the demand fOT
imrncdi;lle action to mitigate damages, 10 sa1Cguard my civil right", 10 retum my home to my possession, to stop
my harassment by Countrywide. and JOT compensation for hann to me by Countrywide*'
Please immediately. Inn no later titan Friday, December 12,2008, 5:00pm infoffil me afyonr decision in this
regard.
Joseph t.crnik
* Countrywide here denotes Countrywide Financial Corporation (CFC) and all its subsidiaries and amliates.
joinlly ,mdior severally.
1J'9'taKy ,'gned by
Joseph 7ernik
--:::.. j) ON: cIFJO'€ph 2Nnlk,
) , ~L email=j,l234SIiICanhl,n
~etr(!;tUS
O'te: 2008.12.03
1J7:n57 -OS'CO'
PRESS RELEASE
Trtle.
Who's in Control? Countrywide's Involvement in a Dubious Los Angeles
Superior Court Case Continues even after Takeover by Bank of America;
U.S. Department of Justice has tolerated the runaway LA court in the
past 8 years, and thousands (1) are falsely imprisoned by the same
court for over a decade•..
Subirtle.
Defendant calfs for the highest priority action by the Obama administration
regarding the collapsedjustice system of Los Angeles county..,
Body
Sarnaan v Zemik stems from a dispute over a real estate transaction, entered by the
parties In 2004 for purchase of Zernik's Beverly Hills residence by Samaan. "She was a
straw buyer, and everything star1lilg with her Pre-qualificauon Letter and IJer Loan
Applications and continuing in the lawsuit that was filed a year later was part of an
elaborate series of frauds,· states Zernik. Indeed, an opinion letter by nationally
acclaimed fraud expert Robert Meister shows that the signatures on both the
prequalification letter and the loan applications were forged. Claims of such fraud and
other instances of fraud by Samaan, by Countrywide, and by the LA Superior Court,
were made by Zemlk in court papers throughout the litigation. Regardless, on August 9,
2007 Judge Jacqueline Connor· best known for derailing the Rampart trial in 2000 -
held a summary judgment hearing, and rendered summary jUdgment in favor of
Samaan. 7ernik was required to sell the property to Samaan for over $1.8 million.
However. to this date, that judgment has never been entered.•Judge Connor and
Samaan's counsel (Sheppard Mullin) engaged in a convoluted fraud regarding the entry
of the judgment. Therefore, there was never a valid effectual judgmenl in this case". A
case with no judgment leaves Zernik exposed 10 unending litigation.
"Had there been a valid enteredjudgmenf claims Zemik"1t would have been the
foundation of Pasternak's appointment: Instead, court transcripts show that while
claiming to appoint Pasternak Receiver for execution of the judgment, neither judge
Segal nor counsel for Samaan recognized the judgment as valid. Accordingly, the
judgment was never referenced as the legal basis for the appointment, neither was any
section of the code. "Judge Segal and Samaan's counsel, In collusion witll Pasternak,
issued, but never entered, a fraudulent appointment ordet', says Zernik "had there been
a valId judgment and a valid appointment. Pasternak would ha~'e issuod a Wnt of
Execution, and with that, he could have filed a genuine grant deed. And had this been a
legitimate transfer of title by the court, Pasternak would have given me the money no
,'ater than 30 days from the date of the sale, as required by law'
Zemik had moved out In November 2007, as was his plan ever since 2004. but also
under threat of use of force by Judge Segal and David Pasternak. Samaan began
occupying the Zemik's residence in December 2007. Later, Zernik found out that
Pasternak filed a fraudulent grant deed transferring the ownership of property to
Samaan. James Wedick, a veteran FBI agent and acclaimed fraud expert (best known
br his role ,n the probe where six members of Congress were found guilty of taking
bribes in 1981). confirmed the fraud in the execution of the grant deed by David
Pasternak, purportedly on behalf of the LA Superior Court.
In late January 2008, since he had not received any proceeds from the purported
escrow, Zernik brought a motion for the court to distribute to him his equity which
purportedly was held by Pasternak following the sale of the property to Samaan. Judge
Friedman denied the motion and instructed Zernik never to bring such motion again or
face sanctions.
In court papers Zemik claims that the elaborate court fraud in this case was based on
fraudulent records produced by Countrywide, '.\!here Samaan's husband was a "loan
originator". Indeed Countrywide has regularly appeared in this case - represented by Bryan
Cave, lLP. In papers fifed in court, Countrywide routinely referred to itself as "NDn-Party", but
the court interchangeably designated Countrywide as 'Plaintiff, "Oefendanf, "lnleNenor',
•Cmss-Defendanf, and more. •Fraud in court by Counlrywide is not unusual al alr claims
Zemik 'It was their routlllc all overtlJe U.S. Tile only unique feature here was the col/usion
by the court. JUdge Friedman threatened to jail me if I ask nis friend Sandy {Sandor Samuels
- fommrty ChIef Legal Officer Df Countrywide and Presidenl of Bel Tzedek] anything about
lhis fraud ,. Indeed, a 72 page rvlarch 2008 opinion by US. District Court in Texas Judge
Bohme rebuked Counlrywide's legal practices in his court, and in courts around the U.S
Since Jul,' 2008. Countrywide no longer exists as an independent entity Control of
Counirywide is now by Bank of Amenca, following a Janua'Y 2008 stock market crash of the
Countrywide share. prompted by exposure of its legal practices in a Pennsylvania court
"VV/lat took place in the Pennsylvania court is a child's play in comparison" says Zemik. "And
it is not clear at aI/ tr,at Bank of America even knows what Countrywide is doing in Los
Angeles, even today". At present, Bryan Cave, LLP refuses to disclose whom they represent.
"Judge TeITY F-'liceJman issued a fraudulent notIce for a November 21, 2008 proceeding,
where ho concealed Countrywide's participation TIlis is 110 exception, - says Zemik "JUdge
Conn...,r and Judge Segal (lid just the same. TIIIJre is .no Vial to explain this as a tnle court
caso" says Zernik "Does I erry Ftiedman. have an assignment order? Doos he Iwve any
authority in Ihe case at all? And for that matter, did Judge Segal have an assignment order?
Oid .Judge Connor !lave one? Was the November 21, 2008 notice, issued in the name of
CIeri< Clarke an autfrentic Superior Court notice? Is the case as a whole. 8 true case of the
California Superior Court system? How is the court alfovved to deny me for the fourth year in
a row access to my own litigation records? How could Samaan file papers for Ihe
November 21 hearing, be designated ·pos/-judgment Malian", when net1fwr she nor the
court flave over acknOWledged the August 9, 2007 judgment? The Presiding Judge of
the Court, 117e Clerk of the LA Superior Court, their in-house attorneys and the outside
counsel they retained are refusing 10 answer any questions regarding this case for half a
year now The court is taking the Fifth " Indeed, both the Register of Actions, and also
the online Case Summary indicate that jUdgment in this caSH is still pending
·'n fact, it is an En/erprise-track case" says Zemik "If reflects corruption of Ihe civil division of
LA Stipenor Court that is Ihe mirror image of comJption of the criminal division documented If)
great detail in the Rampart scandal investigations. How could anyfxxJy expect anything else?
.It is the same judges after ali... "Indeed, 1hz protagonist - Jacqueline Connor - is one and
the same in both cases. The Blue Ribbon Report of the Rampart scandal (July 2006),
showed that those who were confirmed innocent in the initial Rampart scandal investigation
by the Board of Inquiry (1998-2000), but had been falsely convicted and imprisoned by the
lA Superior Court. were still falsely imprisoned in 2006. Mosllikely they number in the
thousands, and some of them also had confessions extracted through torture Such crimes
were called 'heinous", and "characteristic of the most represSIve dIctators aod police
slates'*"' But the 2006 report described in great details that LAPD, DA prosecutors, and LA
Superior Court JUdges were blocking the release of the victims of such cnmes for almost a
clecade.
"Tl18 LA County 8upen'or Court IS still haleJing thousands of people falsely imprisoned'
concludes Zemik "Most of /flem are likely to be black and minorities. It undem1;nes any
dall17 of legitimacy by govemmenl In this country. The new administration mllst not let
fillS stan(H
FOOTNOTES:
CounlrywJde here denotes Countrywide Financial Corporation, Inc, and any and all its subsidiaries and
affiliales. jointly and/or severally.
All referenced malerials, indUding court records and correspondence with FBI and US DOJ can be
found a1: http://inproperinla.coml. listed Below are some of the speafic key references.
Erwin Chemerinsky, today Dean, Irvine Law School, in. 57 Guild Pract. 121,2000
REFERENCES:
1) \lJtpjfjoPlQPsIi!l!jMQ.rnLq~W~slions-to-presidin9'iudge·&·derk·s.pdf November 30, 2008
leiter by defendant Zemik to Presiding Judge Gzuleger and Clerk Clarke of LA Supenor Court.
2) hltp:I!lnpropennla.comf()7-12-17-opinlon-leller-fraud~n-9ranH:leeds-s.pdf Wedick's opinion letter re:
Pasternak's Grant Deed
3) htlp:/ftnorooerinla.comI04-09-C7 -{)pinion·lener-fraud·in-preQualif~./)n:J~"er·s.pdf M eister's opinion
leller in re: Sarnaan's pre-qualification leller.
41 hIIp: l/inproperinla. com/04 ·09·27 -opinlon-letter..!r;Iud-ln-loa n·applications-signature -so pdf Meister's
opimon IeUer In re: signatures on Samaan's loan applications with Countrywide
SJ htto:I;'nompe/inla.comi04-09-2 7.doe-40-samaan-lrauifulent :loan-aoolications-s .pdf Dela.le<j review
of fraudS 11\ Samsan's loan applications with CounUywide in records filed in U.S. District Court.
0) h!tp:/linpro'p~~nla.coml04-10-26-opinion-lel1er·counlrywide~JIl<1erwritinq-1eller-<lg:~§:.~
Meisler's opinion letter in re: fraud in CounUywidc's underwriting leller.
7) !:!!Jp.J['!}P-roperinla.comlO4-10-25-dOC-45-counll'{Wide-fraud-«>nlrad-recordj:>Qf U.S. District Court
filing describing lhe fraud in Countrywide's Teal estate contract record.
a) hl!p:/IinPToperinla.comI04-1 0-26-doc-¥-counll'{Wide-fraud-underwriting-letfer.pdf U.S. District
Court filing desC11bing the fraud in Countrywide's undelwriting letter.
9) b!!Dlii!!Q!Qperinla.com/07-Q8-09-judgment&order:9ranting'!>Jmmary-judgment-s.pdf Augusl9,
2007 Judgment by Judge Connor. rendered but never enler,)(j, and a corresponding order thaI
served as the basis lor the fraud by the court.
:0) !1!!P.:lfmpmperinla comIOB-09-0B-congressional-asslslancc-sl!!!! Correspondence with f'BI and
U.S. Dept of Justice
11} http://inproperillla.com/OB-OG-03-denial-of-access-book-<:>f-juclgmenH;;:-mccoy-letters- s.Pe!!
Presiding Judge's refusal to answer regarding existence of )"dgmenlln (Samaan v Zemikl.
12)1]J!pd!JDP.ropennla. com/OO"()()·OO·la-sup= ct· regisler -of.::.~ctioill-suslain-08-11-14-certified::.sj:>Qf
November 14.2008 Register of fictions in Samaan v Zemik (SC087400)
13) .t>J!p'jLiDPf.Q~nla.comI08:11~3..0-case-~mY~s.p'c:jfNovember 30. 2008 Case Summary ,n
Samaan v Zemik (SC087400)
14} hllp:Ilinproperin!1!..g>m/OQ-OO-OO-rampar1-blue-ribbon-review- p.anc 1-200B-report.pdf Blue Ribbon
Report of 2006. describing the fa,lure to release tllose falsely imprisoned In LA County as part of
the Rampart scandal
('.A)NT I,CT:.-
Or Joseph Zemik
Tel. 310435-9107
lma;!. )z12345@earthlink.net
Joseph Zemik Df\IID PhD

Fnx: (801)998-0917 [mail: jZ12345@earthlinknet
.. JUdge shall be fa1thfuJ to the law•.• "

CalO>do Jut! _ JB(.IJ
.. The rule of law must never be confused with tyranny of the courts"
A"""J""OUs
Ale,iandro Mayorkas - O'Melven)' & Myers,

Former U.s. Attorney. and Board Member of Bet Tzedek.
Att Mitrhell Kamin, President
ror Bet Tredek - /follse ulJustice
John Fishel
For H()(~"d 'i Dircctors, Jewish Federation ofLos Angeles
Bryan Cave, LLP
j'in- Sandor Samuc/,I', AnW!lo Mor:ilo, CounlJ:vwide Home [,oans, Counrrywide Finundal Corpuration
Burhalt~I' ~tmer
For Mum &crow, (] suhsidiary olOld Republic Title
Cummin~s. !\1eClorey. Davis, Aeho and Associates, D. Bret Bianco
For Lo,\ Angeles Superior COl/rt, Presiding Judge Stephen C:zuleger, Clerk John Clarke, ,h({~~es. Jacqueline
COl1l1(1r John SeguI, Ten)' J.j"iedmun, Gerald Rosenherg. & ADR
1):10 I ,nrit7~ Okum-Lontl_ LLP
I'I)}- USC' Credit Union (;w:v l'cre::. Presideni/C 'EO
Pasternak, Pasternak, 1':1 tlon
For Dmid Pill/emilk
Ban)' Brocker, Mayor, :md Cil.y Council of Beverly Hills

For ilu: City uf BCl'erly /Till"
Kenneth O. Lewis. Chairman, CEO, and President,
Teresa Brt"nner, Associate General Counsel
For Bani( ofAmericu COIpu/'{Jriol1
Martin Herg. Editor
Fur "!7/{' Daily Journal
The Jlollor:lblc Ronald Geo~e, Chief Justice
Calijol'llia Supreme Court
Kenneth Kaiser. A"sist:mt Director
For the FBI
Kenneth Melson, I)jr~'t'(01-
Michae Mukascy, Attorney Gellenll
"'or /he ! I.'" f)CI'arlll1cnt ufJus/icc
TIME IS OF THE ESSENCF,l

RESPONSE REQUESTED BY 5:00PM FRIDA Y, DECEMBER 5,2008!
RE: I) Fraudulent conveyance of title and real estate frJud on real property commonly known as 320
Soul h Peek Oriv{'. Beverly Hills, California, 90212,2) Samoan v Zemik (SC089400) fraudulent
litigation at the Lo~ Angeles Superior COllrt ofthe State of Call fomi,1 , 3) Racketeering in the Los
ePage2fl November 28. 2008
Angeles Superior Court, 4) Thousands ofinnocent people falsely imprisoned in Los Angeles County,
California.
Counsel and unrepresented p,u1ics:

I ,ml an unreprescllIcd individual. citizen of the United States, resident of thc COlmty of Los Angeles. California
During the period relevant to evenh describai below I was also a resident of the city of Beverly Hills.
A. Brief chronology of organized crime actions under the gui~e of LA Superior Court actions.
Since Q~;tob~r 200? I hnve been severely abused and harasseJ under the guise of litigation in the Califomia
Superior Court in SamwlJ"} l' LemiklSC087400j in Santa Monica, California. I have been repeatedly called to
appl:m in court; my nonnallife routines were entirely undennined; [ have bL'Cn forced to spend large sums of
money on h.:gal cxpcm;es; and 1have been forced to ~-pclld most of my days sllldying the law and various other
field" fill' my own delcnsc.
In Novtemh~I20()11 wa, driven oul of my home, the property listed ahove, in Beverly Hills, under the threat of
violence hy John Seg<11, pretending to aC1 as a judge of the Superior Court, and AU David Pasternak (former
president - I louse of Justice- Get Tzedek) pretending to act as a coun otliccr. while bOlh knew all along thaI they
were act· ng with no <luthoril} <It all, out ofcompliance and in violation orthe law.
Somctin:c in late N()Vt~1hQl' 2007 Att Pasternak commilted forced entry into lhe property and '"took possession"
of it. with no legal f!lundation at all.
In12~~rl:J?!;,L2Q9-.1 A11 f'as{cmak subjected my property to lraudulent conveyance oftitle l , and proceeded to
collect somc monies in exchange: for the proJXlr1y from Nivie Samoan. llnd keeping the funds to himself. with no
legalloundalioll at all.
When I trit:d to stand f(lf my right,,>, I was purportedly found in contempt ofthe court; I purportedly had sanctions
j n thetens ofthouSllnds of dollars set upon me; 1had gag orders purportooly imposed upon me - for the benefit of
large corpllrat jnns .- Countrywide, Old Republic Title, and United Title, through ex parte proceedings.
On Julv 6. 200}, I was sllqjeclcd to the firsl ofsuch procedures - initiated by Countlywide. and held in a dark
courtroom in the Los Angeles Superior Cotm by .Judge Jacqueline Connor (Best known for derailing the Firsl
Ra11lpan Trial in 20(0), off the calendar and otT the record.
In November 200~. I had a fraudulent Rccch'cr - Att. David Pasternak appointed upon me by Judge John
Segal. through another sham legal proceeding, with 4-day notice... Alt Pasternak was purportedly vested by John
Segal with unlimited powers to abuse and harass, deriving his authority from neither ajudgment nor any section
of the California code. Beyond the theft afmy property purportedly on behalfofthe Court, AU Pasternak
fraudulently incum..t1 me with hundreds of thousands of dollars in [a,\ liabilities, since he coll(."'Cted the full
proceeds ·~)fthe sale, and deferred the payment oftaxes.
On Dcccm~L?, 2il.o7 I was subjected to another ex parte' procedure for gag orders, this time initiated by Att
Pasternak, j(lr the benefit of Mara Escrow and United Title..
In fctm.mry.~Q.(lli. I was fraudulently threatened wi1h jail time by Judge Terry Friedman, trying to prevent me
from exposing the lraud in Countrywide Involvement in this case.
I received death threats a couple oftimc, the first--in March 2007· when Iloc<l1w a !(mner senior underwriter of
Countrywide in March 2007, which Coulltrywide did not wantmc to ever locate...
Why?
By .blovcl}Jber-December 2006 I figured oul the nature oflhe conduct ofShcppllrd ,\1ullin, representing Nivie
Samaan, s·.If1iciently well. to unde.rsland that they were fabricating fraudulent claims against me. In collu,ion with
JUdge J:H'queline Connor and Countrywitlethey wcre tirelessly toiling to defmud me out of my home undef
the guise r.f legal action in the Los Angeles Superior Court..
November 28, 2008
I had no background and no fo011al training in the law, economics, banking or mortgage lending, and yet by
,!w..lliiID~ 2007, I figured
out the bu.,iness modd of Countrywide and the nature of AnglOlo Mozilo and Sandor
Samuels' fraudulent conduct sufticiently well that I filed complaint> with the FBI, and then also with Banking
Regula\ors such as Oflicc of Thrift Supelvision and Office of Feder"' Trdde Commission. I claimed Ihat
Countr:/widc was involved in massive fraud against the U.S. Govemment and the American tax-payer.
By March 2007 [ was able to come up with initial rough estimatcs, which indicated potential liability to the U.S.
Govcmmenl in the hundreds of hillions of dollars (in retrospect - a conservative estimate). I also wrotc a series of
open lerters to the Board of Directors of the I louse ofJustice - Bet T7.edek. I warned them that an organiT.1tion
that purports 10 be the "I louse of Justice" mllst never allow Sandor Samuels to be the President of its Board of
Directprs. I warned them that he was personally involved in fraud against me, and that tens oftholl'xmds of
familic" would loose their homes as a result of his business activities (in retrospect a conservative estimate). Bel
Tzcdck Board of Dircct()rs never responded to my alarming messages. But Countrywide, Sandor Samuels. and
Angelo ,i\1ozilo did. They retained Bryan Cave, LLP, 10 harass me, to retaliate against me, to intimidate me, and
to supervise the perversion ofjustiee under the guise of litigation in '.he I ,os Angeles Superior COlll1.
On 1ll!.Y 6. 2007 stich wmpaign was initiated with an ex parte appearance, for a gag order against me inlhc dark
courtroom Df Judge Jacqueline Connor, who remained in chambers - nowhere to be seen - with no recogni7.able
clerk oj the COlll1 in altcndancc.
By mid- 2007 imd more so by (he beginning or:zoo~ r figured out the business model ofrhe Los Angeles
Superior Court sufficiently well that I understood that Samaan v Zcmik (SC087400). in fact never was a true
C<l$C of,he SuperiorCoun of the State of California, hut instead, a case oftlle "Enterprise Track" ofthe Los
Angeles Counly judicia!)', designated a'i such by Judge Jacqueline Connor even before the complaint was filed.
r gradmlly leamed more about Sustain, the r.os Angeles Superior Court's computer system. realizing that such
:,-ystem was qUintes,scntial fOT the operations ofthe Enterprise in the foml it is manifested today. This system was
procured and installed arOlmd 1985, oul of compliance and in violation of the law, by a company by d1C samc or
similar !lame (Sustnin or Sustained), which is solely controlled by the Daily Journal, the largest legal newspaper
jn Los Angles. a fact that is apparently unrecognized in the legal community. Amund the same time, the
Honornble ROllnld George, today Chief Justice of the California Supreme Court. held varioll<' leadership
positions in the U)S Angeles Superior Court.
H. BC)'und Real Estate Fmuds -the Rampart Scandal
tn recenl months, I tried to hetter underst:md lhe scope ofoperations of the Enterprise beyond real esLate and
other litigation Ii-dUGS, and the unique position of Judge Jacqueline Connor relative to organi7ed crime in Los
Angeles. I studied the history ofthe Rampart scandal (1998-2000), euphemistically named the Rampart-Area
Corruption Incidcnl 'me Blue Ribhon Review Pl1ncl report (JUly 2006), makes ilaOtmdantly clear that the
activities tharacteristlC oflhat scandal were never limitc.x1 10 the Rampart area, and were and probably :,1ill arc
endemic. Hot an isolCltcd incident at all.
fur:hcrnlore, ) soon re~li7ed what the main goat was urthe authors of that report: First - to document what they
called the "submIt ofcriminulity toleruted in the ranks" ofthe LA COlUlty justice system -- and second. to
docmncJ ,l how suchjllSlicc system is preventing the release from long lenn false imprisonment ofthe thousands
1)1' pcopk, who wen: repc<lledly conjinned by several successive inv~tigation committees as innocent but framed.
Evclltoday, ten years allcrthe scandal was exposed. nobody knows the exaCl scope of it.
Em-in Chem{'rinsky, today Founding Dean, Irvine l.aw School, described it already in 2000 as follows:
"Any analysis of the Rampart scandal must begin with an appreciation of the heinous nature
of what the officers did. This is condUct assoCiated with the most repressive dictators 2nd
police states. '
And David Burcham, ))ean of tile Loyola Law School, with Catherine Fisk wrote in 2000:
'., .judges tried and sentenced a staggering number ot people for crimes they did not commit
How could so many participants in the criminal jL'stice system have failed either to recognize
• Page4r7 November 28. 2008
or to instigate any meaningful scrutiny of such appalling and repealed perversions of

justice?"
C. Th.f' court's case mllmigcment system as the enabling tool of the Enterprise.
My reading oflhe I3lue Ribbon H.cview Panel is that the panel, like all investigation committees before it,
and like the public al large in LA COllllty, were denied access to public records that are the Books of Courts
of LA Coullty Superior COllrt. Such public Records, are critical for the safeguard of the integrity of the
courts. Hov.evcr. such Book of Court are since 1985 implemented in Sustain, and off limits to the pubic a
mass-scak routine and continuous abuse of civil rights of all who live in LA County, by the LA County
Court it~elf. Such abuse is tolerated by the U.S. Department of Justice, who fails to perfoml its duties.
I also b<~licvc that the Inck ofaccess to such public records is a main handicap in the opcmtions ofthe ollicc oflhe
Overseer of civil right'; in LA. U.S. Judge Gary Fcess, appointed pursuant 10 [he Consent I)CCfC'.c of 200 I My
reading of the reports w?s that by 2004 he was trying. unsuec~sfttll)' to cstJblish access to such data bases, and
his demands ignored by the LA County justice system. Needless to say, I believe that the Oversc'Cr. in his seven
years in office. never frc-ed even one single person ofthe tJlOusands who arc I:1lsely imprisoned.
Therefore, the failure of the U.S. Department ofJustice to enforce the ba~ie civjl right for Books ofCourt Ihat are
Public Records, lree lor the public to inspect and to copy, also paints U.S. law enforcement agencies as impotent
in L/\ County - since they cannot enforce the Consent Decree that was the outcome of the yidding ofthe City of
LA to l11e IJ.S. UO\'C'nJlIlcnt in 200 I.
The proposed uctioll take-{JVcr ofcontrol oftlle LA Ollmt) Superior Court's computcrs by Federal Agent:ies. is Ii
relativel:", simple lasl.:. It was practiced rq)C81edly in rcc.." t months anytime the US. (,ovemrnent took over any major
f.'liHng financial institution. Surely there arc unit'> fiJlIy prepared ill Departmcnt ofthe Treasury. It is an operatiolllhal
can be ,;:x.-ornplishcd o\lemighL .. ilt minimal risk and cost, and with majDr positive impact on the life ofiodividuill and
the rule <.lrIa\\ in I.A CoUnty.
D. lJnanswcn.'(] QUl~tions
1) LA Superior Court
I have lx:en denied aC{'C5S to my own Ijtigation records in Sustain throughout this purported litigation. and I hold
that had I been allowed access to Sustain, none of it could ever have 1-Jappened.
Since :!y'!lC 2008, the office of Presiding Judge of the Los Angeles Superior Court, Stephen Cwlcger has been
rcftl5ing to answer the simplest questions:
• Is Samaan v Zernik (5C087400) a true case ofthe California Superior Court?
The simp/eM answer would have been 10 allow me access through SllSlain fo Ihe Bnnks oj
('ol/rl, tlll' bldex ofAll ('cL<e.l". Calendar '?f/he em:rlS, efe. 77wI is Slill denied
• .Is there or isn't there an en lerro, effectual Aug 9, 2007 Judgment in Samaan v Zernik?
1 was robbed ofmy home purportedly pursuant/v such judgment But if is ohvious lhar no
such l'aJid effecfual judgmem e'isls.
Is there or bn't there II judge duly assigned to Samaan Y Zcrnik ?
.J!I,~~e Terry Friedman slill hold~ rhe/ile. and cominues ilis mcke/eering/rom /he bench
<i Mar/ill Rerg- f)ni~f' Journal, and Ronald Ge/)r~e - Cllief.luMice ofthe California Supreme Court
Mr Martin Berg. Editor ofthc Daily Journal, and the Hononlble Ronald George, ChicfJusticc. California
Supreme Court, have l~lj led to respond as well. The questions addressed to them was and is:
• What waslis your role in the design, inst:llllltion, maintenance of Sustain in LA Superior Court?
• Do you hold the operation of Sustain, as seen today, in compliance with the law?
• Do you consider that a public disclosure on your part in this matter is requirro?
• Page :)[7 November 28, 2008
3) COlHllrywide and Bonk o/America

After the change ofccntrol in Countrywide, I expected that 8ank of America Corporation would pul an end to
this shameful story. of which I have informed the board ofBank of America Corporation months in advance.
However. even aftcr the change ofeontrol. Bryan C.ave, LLP has continued the hardssmcnt,jllst as usual. And
yet, in recent days it has refused to answer a very simple question:
• What is the identity of the party represent by me in court in recent months?
C(l/lllt/J~vide '.I' party designation has all along been one u/the cardinal signs rhatlhis
lil/gwiol/ WIIS fraud: Countrywide chose /0 be called "Non-Party ". while the cotrrtlt~ed
pony designarjor1S du jOllr .- Plaintiff. Defendant. Intervenor, Objec!or, etc.
Regcu'dless: Bryan Cave must know who si[!.ned the t:IIgagemenr. (Ind who is jllI}'il/g the
hills,
f therefurl' al>o ask tJK: following JTom Bank ofAmeJica Corporation:
Would Bank of Americ..1 Corponllioll ensure that no further abuse is perpetrated ill the lIame of
Countrywide?
• Would Rank of America Corporation rC\'icw the records and provide eompenslltion for damages I
suffered through Countrywide's actions?
4) (J....' (' Credit Unioll
Tile linal sleps in 11K' theft of my home in December 2007, could never have happened without help from wilbin
USC Cr ~dit Union, for ,'0 reasO!l al an. <JIld in violation of the USC ell fiduciary duties to Iheir depositori
member,
• What was the justification if any, for the conduct of USC CU, in colluding in the theft of my home
hy the I':nterprise?
• Why i5 the USC ell refusing to implement basic standard procedure consistent with "sound
hanking principles"?
5) City (1/ Bcverly Ilills and its Police Departnu'''t
During lil~ harassment that preceded the theft of my house, I approached the Beverly Hills Police Department for
protection. on several occasions, At all times. the Beverly Hills Police Departmcnt absolutely refused to provide
protection, or lO investigate, no maIler how strong the evidence produced in support of my complaint wa~, This
month I 9rovided the Mayor and City Council a short overview ofthe situation, The f(ll!owing questions are
addrcssL,j to the Mayor and the City Council of Bcvcrly Hills:
• Hcganlless of the conduct oHhe District Attorney, was tbl~re!is there any justification for the refusal
of the Beverly IJills Police Department to protect me in this case?
Would the Mayor' and City Council take immediate action to compel the police to perform it~ duties
provide report arits investigation liS soon as possible?
"lOti
6) Bet T:::etfek -lire House 0/ Jilstia

nm~(; of the individuals who played central roles inlhis story ofreal estate fraud, held Ihe highest positions in Bet
Tzcdek: Sandor Samuels -- former president, D-d\'id Pasternak - former president, Terry Friedman .-. former
::xecutiv(: dire::tor. TogctJlcr they can bc seen as a representation ofthe type of wide-spread corruption that
undermin'2s the justice system in Los Angeles County - collusion of corrupt corporate legal counsels, corrupl
:lttomeys in private pmclice, and conlJptjudges,
'IVollld Bet Tzcdek rt.''Spond and inform me regarding any internal procedure for dispute
resolution?
• Page6(1 November 28. 2008
E. The scope and mst of the problem -Organi7'oo crime in 21" century
Abuse ()f civil rights in Los Angeles County is on a scale that is beyond comprehension. The only way to
rationalize the situation, is that Los Angeles County was ahandoned by the U.S. Government. Federal
agencies lost control to the Enterprise.
Such conditions must not be allowed to persist. The cost of this Enterprise to society in Southern Califomia
and the economy ofthc United Stiltes is prohibitive. The emergence of Countrywide as a corrupt
organization and the suh-prime crisis that followed, could not have taken place had it lIot been for the
generalized, fraud· friendly. crime-permissive conditions established in LA County hy the Enterprise. I\nd
the cost to the IJ.S. economy of the sub-prime crisis alone is in the trillions of dollars.
This case shows Judge Jacqueline Connor, representing corrtlpt government, as the conlrolling party in a
joint effort of Sandor Samuels and Countrywide a corrupt mega corporation, smalltime practitioners of
white t-uJlar crime such as ~jvie Sam1l3n, Jac AnI" Lloyd, and Victo.' Parks, facilitilted by large law firms
such as Sheppard Mullin and Bryan Cave, LLP. And in the face of such onslaught of a fraud machinery,
all others yield and join the winners in a frenzy of frauds: lawyers, escrow, regislrar/recorder, realtors, and
conSllm'~r banks.
This is the true face of organized crime in the 21" century in LA County, California, The collaboration of
Victor I'llrks, .lac Arrc Lloyd :md Countrywide in their fraud against the U.S. Government in submission
ofloan applications. was coordinated through the computer networks of Pacific Mortgage Consultants.
and the mega fraud of Countrywide itself - in undcT\-\Titing of unworthy loan applications, was
mas-terrninded by Ed~l' - ('ountrywide's underwriting monitoring system, which in this case was seen
operating as the camouflage system for violation of banking regUlations. And the overall coordination of
this consortiulI1 of crime was exerted through minute orders produced in Sustain the Superior Court's c(!se
management system. provided hy the free press ... the Daily Journal.
And lacing such massive power, United Title, Mam Escrow. Coldwell Banker and Michael Libow, and
USC Union. and the office of Registrar/Recorder, Att Charles Cummings, Att Zachary Schorr, and All
Thomas Brown. all gave in, hoping to get some of the crumbs.
Jacqueline Connor derailed the First Rampat1 Trial in 2000, in public defiance of the rule of law and [he
power of the U,S. Government Response of the U.S. Government was inadequate and simply non-existent.
'111e Consent Decr<.>e ~(Jrmulated under the watch of Alejandro Mayorkas, then U.S. Attorney for Central
District of Califomia. fal:;ely put the blame entirely on the LAPD, nnd left the LA Superior Court free to
continue the wrongs. Therefore. ineffectual office of the Overseer was made cerl3in. A~ a result, local
branched of U.S. agencies arc powerless in LA today against the Enterprise.
F. Proposed Solutions:
Solution must come bv wav of the U.S. Govcrnment.
With hc;lp from the co~mg~o\ls Honorable Diane Feinstein, Senalor, and Ihe Honorable Diane Watson,
Congre~ 5Wom;m. J pressed the FllI and US nepartment of .JI/stice to take action. 1 argued that the
minimal. most effectivc way to approach this situation is to enforce Common Law/First Amendment rights
in Los f.ngeks Coullly. pursuant to .Nixon v. Jfarner Comrmmicwion... , Inc., 435 U.S 589 (1978) where the
l :.S. Supreme Court affirmc:d "'th!! cummol1-frJw right to inspect and copy judicial records" Los Angeles
County is unique. I hope. intbc United States in concealing t.he Books of Court .. the Index of All Cases. the
Calelldm or lhe Courts, the Registers of Actions, and the Book of Judgments. I believe that such a simple
step as sl:iling the computer systcm of the court and opening it for public access, as required by law, lor the
first linw in over a quarter of century. would be sufficient to effect a major change in the administration of
iustice in L\ County. first :md foremost·· to [he freeing of those falsely imprisoned.
I also filed a propos;d with the Judiciary Committees of the House and Senate, and with the U.S.
Department of Justice pertaining to computers of the courts in the United States. meant to ensure that :;uch
problem:; arc not seen in an) court in this country again.
• pagem November 28, 2008
G. Response bv U,S. Officers to Proposed Solutions;

Mr Kenneth Melson, Director, U.S. Department of Justice, finally responded and refused to take action,
claiming conccrn about interference with ongoing investigation by the FBI. Mr Kenneth Kaiser, Assistant
Director. Criminal Investigation, FBI, finally responded and refused to institute an investigation, claiming
that I have never demonstrated "federal invesligationaljurisdiclion"
H. Request for vour immediate response:
Please It:t me know how yOIl would help mitigate damages, totaling over $2.0 millions today .. rhe property is still
lawilJlly listed in my name, but wrongnilly occupied by Nivic Samaan and Jae fmc Lloyd.
Public policy cOl1siclcmlions, underlying thc personal matter discusseJ here, must ensure that the issues are placed
at the highest priority with the incoming adminb1ration.
Beyond the property of an individual, this mattcr represents the abuse of9.5 millions wbo live in LA County und
have been abandoned by the U.S. government in the pa~t decade, allowing the LA Superior Court and its judges
to engage in abuse of LA County citizens, under color ofJaw. It is exactly this lype ofabuse that i~ the duty orthe
U.S. Govemment <md its officers to protect U,S. citizens against.
We who live in LA County arc deprived of due process, deprived ofaccess to the COllrL<;, and deprived of lair trial
for over a quaner of a ccntLlry.
The continued false imprisonment of those who were shown to have been frJ1Tlcd must not be allo\Yc{j !o
continu(:. I! is a disgrace to all U.S. citizens, and all people of good filith.
:Signed on Thanksgiving Day, the 27 th of Novemher. 2008, in l.os Angeles County.
Joseph Zernik
TIME IS OF THE ESSENCE!

RESPONSE REQUIRE}) BY 5:00PM, FRIDA V, DECEMBER S,2008
1 Cop'es of the grant deeds produC€d by Att David Pastemak, former president of House or Justice - Bet TZedek.
purportedly approved by the LA Superior Court, and then filed in the office of Registrar/Recorder, can be viewed at
httojflNvo.wlnproperinla.coml07 -12··17-ppinion-letter fraud-in-grant-deed~f
Tne fraud in such actions was confinned by an opinion letter of Veteran FBI agent, James wedlck, commended by the U.s
Congre<.;s, the U.S. Attorney General, and the Director of the FBI. for his contribution to stemming public comrption in
Califomia govemment
cc
James WcdicK
Judicial~,' Committee of the u.s. House of Representatives
Judiciary Commiltcl: ofthe u.s. Senate
Office of President Elect
Officc ofVice President Elect
EXHIBITB
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Joseph Zemik DMD PhD lIL~?;J6...j(l'OO'
Fa~: (€01) 998-0917 Email: j212345@earthfink.Mt
"Judge shall be faffhfut to the law..."

Col Co<1e Ju[l El1JI<• .l8I<I
"The rote ot taw must never be confused with tyranny of the courts"
A~
TIMELY RESPONSE REQUESTED

, DI;{;u nller 11. 2008
,; T Cl'csa M. Brcnnci'
Associate General Counsel·· signer ofSEC filings
Kenneth D. Lewis
President, CEO, Chairman
Timothy Mayopoulos
BOA General Counsel
\VilJiam .J Mostyn III
Deputy General Counsel - siR11er ofstatements to share holders
Bank ofAmerica Corporation (Bank ofAmerica)
lOON Tryon 3t
NCj..()()7-56-1 I
Charlotte. NC 28255
Gy Fitx: (704) 370-3515
By Email; ..AttentionBrenner.l.ewis.Mayopoulos.Moslyn ..<ocrates@bal1kkofamerica.com>.
"AUcntion Brermer, Lewis, Mayopoulos,MOll1yn" ~joyce.schi1ling@bankofamerica.com>
RE: COUNTRYWIDE, RACKETEERING UNDER THE GUISE OF LITIGATION IN LOS ANGELES.

NOTICES, REQUESTS AND DEMANDS TO MITIGATE DAMAGES.
RESI'ONSE BY BANKOF AMRRICA RRQlJESTEDBY TllESDAY, DECEMBER 16,2008; 5:00PM.
Madam & Sirs,
I am the victim of real cswtc Jraud perpetrated by Countrywide Home I ,Dans, Inc, San Rafael
Branch Countrywide Legal Division, and others, through fabrication of court records, which
started in early 2006. The scope and severity of wrongdoing in this case makes the report of
"recreated letters" filed as evidence in Pennsylvania in January 2008 1, and the ca.o;;es documented
in Judge JdTBohm's (U.S. Court, Texas) opinion from March 2008,2 rebuking Countrywide
Legal Division litigation practices, pale in comparison.
My al1empts last week to establish who is tlUly authorized by Bank of America a, counsel in
matters pertaining to me was unsuccessful, as noticed below. TIJerefare, this communication is
sent to the Lcg,al Department and ChairlPresident/CEo.
Delow please see Notices, to reliably infonn you of pertinent issues in this maUer, as well as
Requests ,mel Demands. expected as part of your corrective actions and mitigation of damages.
, Repcrts pertaining to '·recreated letters' filed as evidence by Cou~trywid[; in PennsylYania UJUrL

http://lnpropennta.oom/D8-N-D2-us-<llst-et-la·1-request'JudIClal.noUre-atl,fine·Judge.bohrn-recrealed-fetiers·s pdf
, Opinion of Judge Bohm (US. Court. Texas) rebuking Countrywide's litigation practices
http://lnproperin!a.com/08.0~-D2-u6-<ljst-ct-la-1-(equest-iudicial-notiC<:H:ltt-fine.judgG-bohm-recrealed.letters-s pdf
• Page2J 12 DectJfTlber 11. 2008
A. NOTlCES
1. Please Take Notice: Harassment and intimidation bV CountrVwide continues even today.
1laving had no business with Countrywide, and initially not even knowing about
Countrywide's involvement in the case, it took till December 2006 before I discovered the
fraud and requested directly from Mr Sandor Samuels and Mr Angelo Mozilo to stop it,
which they refused to do.
Instead. Countrywide started on July 6, 2007 a campaign of harassment and intimidation.
Sandor Samuels declared himself"Parly of interest in the case in early 2008, Bryan Cave,
LLP, was retained to represent Countrywide, and such counsel started appearing in this case
on a regular basis, without any defined party designation. As it tumed out, several of the
judges of the LA Superior Court were also Mr Samuels' personal friends.
I !nlst that BOA would never knowingly continue i.n such conduct as took place under
previous leadership of COlllitrywide. I am eager to bring this sordid tale to an end and move
on with my lite. Therefore I am again \witing to notice you and demand your attention to
this seriolls matter. now under your watch.
I looked lorward to Ule takeover by BOA, since I expected it to be the end of my
harassment and abuse. I therefore also sent Ms Brenner, Mr Lewis, Mr Mostyn lll, and
others on the Board personal notices in early February 2008, alerting you to the situation in
Ihis matter, and requesting that you take care ofthis matter as soon as change ofcontrol was
completed.
In response, ( received a non·specific retter, dated Feb J8,2008, signed by Regina Parker,
':lnlfnfthe Chainnan's OffiCC.2
2. Please Take Notice: Current cOit/radie/foIlS regarding illenfitv O[COlltlSeI (or Countrl'wide,
which must be resolved.
And once the change of control was completed, harassment and abuse continued, just a<;
before, under the guise of legal action in LA Superior Court.
I would still like to believe that what is taking pillce in recent months is done without your
knowledge. and there were good reason to suspect so, because the court, among its most
recent frauds, was again !lying to hide the involvement of Countrywide, by deleting the list of
parties and counsel from fomlal court notices, out of compliance and in violation of the law.
Therelorc, at the end ofJast week 1called the offices ofMr Mayopoulos and others in the
L(~gal Department, in an attempt to confIrm whether those who represented themselves as
Counsel for DO A, while going on with racketeering in the courtroom in LA ~ Att John
Amberg and Jenna Moldawsky, of Btyan Cave, LLP - are indeed authorized by BOA.
Indeed, your Legal Department had no knowledge ofengagement of Bryan Cave for
representation of130A in this matter. Instead, your Legal Department instructed me that onlv
Mr Todd Book of Countrywide Legal Division was authorized to represent BOA in this
matter. Your legal department also erroneously noted that there was pending matter-
e. 2006, OtrfCt::! or Bonk. of Ameuc(i Ct1ail.

2 LeUt'r b~ Rt:gilla Pal kt:l. ddted F~t.J 1
http:mnpropennla comlO&O:?-1 B-boa-response-from-oflice-of-chair·lo·leller.re-<:ountryvJlde-s.pOf

• rage 3112 December 11 , 2000
litigation by me against Countrywide, and therefore against BOA, which prevented further
direct communication between me and the BOA Legal Department. 1 believe that such direct
communication could bring this travesty to an immediate end.
Soon afterotards, 1uied to comnllmicate with Mr Book, following instructions of your Legal
DepaItlllCllI. Mr Boolc. n.:spumJcd by falsely claiming that a) I was prohibited by a pwported
court order from communicating with him. Such condition would of course be absurd. since
this was protected speech, him being Counsel for Countrywide designated by BOA Legal
DepartJlll:lIl, ,HId 1 <UlI a pro sl; lkft:m.lal1t jl11his U1se Mr Book also purported Ihat I was onlv
allowed to communicate with Bryan Cave, LLP.
Obviously, Mr Dook's email, which came within 24 hours from my phone conununications
""ith your Legal Department was diametrically the opposite of what I was instructed by your
offices.
a. Please Take Notice: All three individuals listed above: Todd Book, John Amberg, and
Jenna Moldawsky were deeply involved in the racketeering against me in recent years,
under Countryside's previous leadership. Accordingly, all three of them have major
conflicts of interest in this case, since they are likely to be personally liable pursuant to
both civil and penal codes (both California and U.S.) in this matter. Moreover, all three
have allegiances with Mr Samuels, who personally led the racketeering in this case, and
who still lists himself as "Person in Interest". He probably hns the highest liability in this
case. I consider the conduct ofTodd Book, John Amberg, lenna Moldawsky, and Sandor
Samuels as at present an attempt to keep their turf regardless of the change of control and
the changc of guiding policics that came with it. I doubt that they be;;st serve the intcrests
0[£30A in this matter.
b. Please Take Notice: 1 hold that continued assignment of any ofthese individuals to
represent BOA in my case is inconsistent with the stated policies of the BOA Legal
Department, claiming adherence to ethical conduct.
3. The judges in Ihi.. case, including Judge Friedma"l, who purports 10 have autllOritv in
Ihis Clue at presmt, had been tied to Samuels, and without exception had no valid
~lssig1l1nel1t orders, as required by {mv.
a, Please Take Notice: The purported JUdge in this case, Terry Friedman, is an old friend of
Mr Samuels, hut Judge Friedman refuses to disqualifY, and also refuses to provide any
statement on the record, as required by California Code ofJudicial Ethics, Canon 3E(2),
relative to the nature of his relationship witll Samut:ls and CounlT)'\vide, and any ftnancial
hcndits thaI he or fnmily members residing wilh him may have fi",r:-eived from Snmucls
and/or Countrywide.
b. Please Take Notice: Judge Friedman, who is holding the court file in this case for almost
a year now and acting as presidingjudge for all purposes, is doing so with no assignment
order. like all other judges in this case. out of compliance and in violation of the law.
December 11. 2008
c. Please Take Notice: DisqualificationirecusaJ of Judge John Segal, prior to that, directly
involved Countrywide. Tn his recusal statement )Judge Segal claimed that Country""ide
was "merely a witness" in this case. But elsewhere in the same st3tement, Countrywide
was once designated Defendant, and another tim(: yet another party designation.
d. Please Take Notice: Judge Segal, who held the court file in this case from October 5,
2007 to December 4,2007. and acted as presiding judge for all purposes, never had the
case duly <ls~igned to him by order of the Supervising Judge, as required by law.
e. Please Take Notice: Judge AJJan Goodman, who held the court file in thil': case from Sept
11,2007 to Oct J, 2007, eventually rec.used citing his ·'.• longstanding close personal
relatiomlJip witlt tlte General Counsel of Countrywide"" - Sandor Sanmels.
r. Please Take Notice: Judge Goodman, too, had no assignment order to this case.
g. Please Take Notice: Judge was first disqualified for a cause in open court on July 12,
2007, and the causes listed mostly relimed to her treatment or Countrywide in the court,
beyond preferential - out of compliance and in violation of the law. She deceitfully
ignored the Disqualitication for a Cause, ruling it was an untimely Peremptory Challenge.
II. Please Take Notice: Judge Connor was disqualified lor a cause a second time on Sept 10,
2007, again, much of the Statement of Disqualification referred to her treatment of
CountJywide in COllrl.
i. Please Take Notice: On Sept 11,2007, a day after her second disqualification for a cause.
and rccl.lsal, Judge Connor deceitfully entered a minute order ofa fictitious hearing that
was never heard and a ruling that was never ruled. to the effect that there was no fraud in
Counttywide's fraudulent subpoena productions.
j. Please Take Notice: Judge COImor, too, had no a%igJm1ent order to this case.
k. Please Take Notice: I appeared before each and every one of these judges with a request
that they notice me of their assignment order to establish their jurisdictional authority. All
denied such requests.
I. Please Take Noticc: I appeared severnl times bcf<>re Supervising Judge Rosenberg with a
request that he duly issue Assignment Order to judges presiding in this case, as required
by law, but he denied all such requests.
~ JUdgE! Segars fro udulent Recusal Statement can be VleY1.'ed at pages -183· et seq of the compiled minute orders of
Samaan v Zernik (page number -#- refers to number at lower right of each page of lhe record). Such statement opened with
a fraudulent claim "Although Judgment was entered on the complaint In this action before thiS action was assigned to
the undemigned judge.... In fnet even lodny, the office of Presiding Judgo and the Office of the Clerk of the Court
re:use to certlfy the eXistence of an entered judgment in this case, and also refuse to certify the non-existence of
enterG<! judgment In this case The true tacts in this m<ltiar <lre that LA County Superior Court no longer keeps a Book
of JUdgments (eilher electronic or paper-based), in violation of the law. and also in violation of itsQwn Local Rules of
Court.
rltp llinprope nn!a. com!OO-DO-OO-Ia-sup-ct-minute-orders-etectroni<xase-flle-D8-11-14-full-certil-s.pdl
JUrlgp. Goodman Rer.:uMI statement rAm be viewed at paoe -95- et seq of records ~nked in 3) above
5 Fraudulent minute order enlered by Judge Connor cn Sept 11. 2007, after disqualification and rewsal on S8pt10. 2007.
purporJIlg to record a fieti~ous hearing and fictitious ruting that found no fraud in Countrywide's subpoena records. pages-
81- of records linked ,n 3) above
4. Please Take Notice: No active litigation and/or pending mntters exist by Zernik against
BOA/Collntrywide at present in either State ofCalifornill or V.S. court". contrary to what
BOA was probably mi'tleadinglr informed.
1 repeatedly heard it stated by phone by individuals in your Legal Department that I was
iJlvolve.u inliligaLion against Cuuntrywide and/0r Bank of America. Such are false
statements that r wanted to correct.
Please be infonncd that cunently there is no valid li!igati9Jl by Joseph Zemik again~1: Bank
of America and/or its subsidiary Countl)'\\~de Home Loans. Inc in either California
Superior Court Qr in U.S. District Court:
fl) Samoan p Zernik (SC087400) was all along an Enterprise Case" of the Judiciary, and
H
not a genuine California Superior Court case, as indicated by the evidence. The office of
Presiding Judge and the Oflice of the Clerk of the Court, as well as their coun~1 refuse to
answer any questions on this su~ject in recent months, in fact confinning such designation
of this case. I lad the case been a true Superior Court Case, no valid CHL litigation would
have been in existence either, since CHI, corruptly asslU11ed the designation of "Non-
Party", under which the Judges nllowed it to bring uc1iol1s against Zcmik, but denied Zcmik
the right to bring actiOn<) against CHL. Such obviously could not be valid litigation of any
U.S. court system.
IJ) Zemik I' Connor (2:2008CV01550) Litigation in U.S. District Court, LA, was
invalidated from day one, when the pro se clerk refused to accept and sign valid smnmons.
and instead, in violation of the Rules of Court. insisted on producing and signing his 0\','11
smnmons - which were defective. When Zernik caught this dishonesty, and tried to present
the clerk with valid summons for the second time, same clerk again refused to issue the
valid summons, claiming to do so under order of Magistrate Judge Woehrle. Obviously
litigation with no valid swnrnono; cannot be valid litigation. Other defect., noted in thi:;
litigation, which indicate that Judge Phillips and Judge Woehrle never considered it tme
valid litigation arc:
- Failure to conduct initial case conference
- Failure to list corporate entities as require by taw
- Failure to adjudicate motions.
- Gag order set on aJlZernik's filings in court.
5. Please Take Notice: The appearance and participation orCHi in matter designated
Sunman I' Zernik was founded ill fraud and Obstruction/Perversion o(Jllstice (rom
!,egillnillg to em!
'j 'he first appearance afCHl. in Samaan v Zernik was on July 6, 2007, for a gag order, in an
ex parte application by Bryan Cave, LLP, filed with Judge Jacqueline COMor, and heard
when the court was dark, oH"the record and off the calendar. In its papers Bryan Cave, LLP
listed Country,vide as "Non-Party", but the court listed it on that day as "Plaintiff".
• PageG/12 December 11,2008
The most recent scheduled hearing in Samaan v Zernik was on November 21, 2008, and
there too. CHL appearance was part of fraud by the court. aimed at ObstructionIPerversion
of Justice. In this latest proceeding, the court sent notice to only 3 parties: Samaan, Zemik,
and CHL. Two other parties were omitted, out of compliance with the law. And CHL was
~dded, also out of compliance with the law, and 4hi~ time wa~ d~<;lenated a~ "Defendant."
To hide the fact that CHL was noticed as such fraudulent party, the Court used defective
notice fOnDs. and omitted the mailing list required by law in valid notice.
For tile past year and a halflhc coun has engaged in such lhmdulent litigation pmctice$
relative to CHL.
6. Please Take Notice: Sham litigation under the designation Samnan V Zernik in the LA
Superior Court was and is tlte outcome o[extensive conspir.acp by CHL San Rafael
RrmlcJ, alld its Manager -Mario McLaurin. Countrywide's Legal Division. includingAtt
Sandor Samuels and Au Todd Book, Bryan Cave, LLP ((:oWlSel (or purported 'Won-
Party" Countrywide). Samoan (purported plaintiff) , Keshavarzi (counsel for pumorted
plainti[Q• .fudges Connor. Segal, Friedman, and Rosenberg (purportedl\' judges in
litiga/ioll ofthe California Superior Court), purported Court Officers David Pasternak,
Gregory O'Brien, and others.
A rea'\onable person reviewing this case as a whole, would most likely conclude that Judge
Connor participated in the design of this fraud even before the complaint was filed, since
the complaint was made to match Judge Connor's fraud on entry ofjudgment, and it is not
likely that the attomey involved, Jay Stein. wa" familiar with all the teclmicaJ details ohhe
frdud. On the other hand., already in the first proceeding, on January 30, 2006, Judge
Connor was involved in extensive production of fraudulent litigation records, for her own
Assignment Order (back dated by 3months), for Demuner (secretly disposed/voided), and
for Initial Case Conference (conducted off the record).
While the judiciary was engaging in obstruction/perversion ofjustice, they were
continuously involved in attempts to put blame on me. From the second time I came to
court. at least one sheriff, sometimes two, and once - a shcrilrwith a German shepherd
were escorting me everywhere in the court, as a fonn ofharassment.
7. Please Take Notice: Upon review hI' a competent court it is practical/v certain that
Furious aspeds o(tlte conspiracv in Samoan v ZerniJ4 and in the (ailed real estate
{ransaetion that preceded it as well. be deemed as violation o(mulJiplesecfion!; of
r.":aJi(omill and the U.S. Penal CQaes h}' the variolls co-conspirators. including such
sections where tlte violations are counted as Predicated Acts per RICO- '18 USC f1961-
196$.
a. Conduct that is explicitly listed as Predicated Acts per RICO:
b. Relating to mail fraud - 18 USC §1341
• Page 7J12 ~ber11,2008
c. Relating to wire fraud - 18 USC § 1343 ,

d Relating to financia 1i nstihltion fTaud - 1R IJSC § 1344
e. Relating to obstruction of justice - 18 USC § 150~
f. Relating to tampering with a witness, victim, or an infonnant - 18 USC § 1512
g. Relating to retaliating against a witness, victim, or an informilnt - 1~ (JSr. § 1S11
h. Relating to racketeering - ~ USC-.§ 1951
i, Relating to the laundering of monetary instrumenls Ig USC § 1956
J. Relating to engaging in moneta!)' traos«ctions in property derived from specifreo
unlawful activity - 18 USC §] 957
8. Please Take Notice: eEL engaged in production o((rauilulent records in response to a

legal subpoena for production ofbonking record.. in Samoan v Zemik - such subpoend'
purponed to produce vaUd underwriting files ofSamaan's loan application.,;, while '10
valid loan applications existed in Countrywide.
a) Samaan fuiled to ever produce valid loan applications with Countrywide:
i, She refused to produce new loan applications with "reasonable explanation" for the
fmud in employment data;
ii. She refused to add the loan fees, u::; required by Senior Underwriter Diane Frazier's
Undenvriting Letter of Oct 14,2004, as required by Progrdffi Rules, and as
required by Corporate Underwriting Support (Mr Gad!);
iii. As demonstrated in Countrywide's subpoena, Samaan failed to evt:r ubtain
Broker's Cenification of Records, even when the loan applications were presented
()r fWlding by Countrywide Bank in January 2005. Ftmding was summarily
denied. Sunman also admitted in deposition in 20067 that Parks, the purportt:J L01Ul
Broker had nothing to do with such loan applications. She and her husband, Jac
Arre Lloyd took care ofeverything. Separately, already in October 2004, my
realtor discovered that Samaan was impersonating Parks in fax commwlications,
ilnrl that, together with her failure to obtain loan approval was the reason I cancelled
the transaction prior to completion, In fact, in the whole Countrywide loan
application file not a single authentk signature of Parks can be found. Instead, the
loan file inslead, shows two types offorged signature~, which I designated 3)
NOrtl1e.rJl, and b) Southern California forgeries.
b) Through such 1raudulent subpoena production. the Legal Division attempted to create
fraudulenl history of Samaan's loan applications.
G SUbp.:Jena productio., by CHL can be \~e'....ed at:

~!1p.l/in~rinla,CXJm/07-02-08-coulltrywide-fra'ldUlellt-subPoena·production-c-s.pdf
Samaan's deposition 1Il /006. Subpoena page 40-41 et seq in referel'lce to the role of Parks', CHL's staled loan broker. or
lack tI1<~reof in Sarnaan's loan applications, Please note that in depositbn Samaan falsely stated that her husband was a
fO;ln broker as well, whim he wa~ not He was a <loan originator"
~~nla,com/06-07 -1O-samaan-deposition.pdf
---
December 11 , 2008
c) In such fraudulent subpoena production and in subsequent conduct, CHL was

deliberately and knowingly engaged in Obstruction and Perversion of Justice, to
facilitate real estate fraud by Samaan against Zernik
d) Review of records from Subpoena production, which constituted the foundation for the
[ldUd ill sham litigatiun of Samaall Y Zemik ·-5'peciflc Records
1. Real Property Purchase Agrecment·- falsely misrepresented as faxed by Parks
to Countrywide on Oct 25, 2004, 5:03pm.R
11. Underwriting l.etter - falsely misrepresented as faxed by COlmtrywidc to Parks
on Oct 14, 2004, or mid October 20049
iii. Samaan's loan applications - falsely misrepresented as received for the first
time in CHL S;:\Jl Rafael on October 12, 2004 10
iv. Underwriting records of the above loan applications - falsely misrepresented as
having arrived in CHL San Rafael at times indicated in fraudulent fax header
imprints, which are part of the fax/wire fraud by Samaan II.
9. Ple~e Take Nulice: Muriu IJlcLaurin's fraudulent leiter mId dec/aration..",/l filed illl~4
Superior Court to assist in SamaU11's real estate fraud against Zernik, were crucial fOr
success ofthe conspiracy.
JVlaria McLaurin's Jetter and declarations in Smnaan v Zemik can be viewed at the link
below. with annotations. nut even without knowledge of the fine details, any reader with
minimal level ofundersumding ofbanking procedures would find the declarations fraudulent
on their faces.
8. REQUf:STS & Dl!.MA.JVDS

1. Demand: Please take immediate action to mitigate damages in matters pertainillg 10
Joseph Zernik:
Bank of America received fLrst notice ofthis matter in early February 2008!
aFroudulent Real Properly Purchase Agr-eement
~t!p:lJlnpropertnla.com/04-1
0-25-d0v45-countrywide-fraud·amlIad-recor u. pUf
fraudulent UnderMiting Letter
h!1P:llinproperinla ,UJln/04-1 D-26-counlrywide-fraudulent-underwriling-18lt€,f-s.pdf
ht;!p:/linproperinla.comI04-1Q..26-d0044-countrywide·fraud-underwritjng-!elterpdf
rtfpJlinprope rinla,cornt04-1 D-2G-opioion-leller·rountrywide-underwriting·!elter-oct- 2G-s.J)Qf
o Fraudulent Samaan's Loan Applications
b!!IULinprope riola .oom/Q:4-D0=?7 -samaan=couotJvwK!c ·frc udulenl-Ioan-application.pdf
ht1p:/fmproperinla.comI04-09·27-doc-40-samilan-fraudulenl-loan-applications-s.pdf
http./lin[lroperinla.com/04-D9-27-opinion.lQlI"f- frOlud-h·loan-applications-€ignalur9-s. pdf
11 FraU'::Iulent underwntlng records as part of wire/fa~ fraud For example", 5I?e P"!JP.S CWR7-69:CW71-B9. in CHL's
sLlbpoena produClJon at:
http·/liovrntJerinl".coml07-D?-OR-cillJntrvwide-fr.:ludulent-sLJbpoena-production~-§ pdf
I. Fraudulent McLaurin's Leiter and Declarations:
hlip' Jflnprope rinlacom/06·11-09-doc-3/3-1-counlrywjde-mclourjn-false-dec!erationspdf
tLt1.lLI®prooo rinla.coml06-11·Q9..doc-38.2-coun!rywide-mclaufin-false-dedarationspdf
• Page 9/12 December 11 , 2008
Z. Demand & Request: Please establish the identify o(counsel (Or Countrywide in matters
pertaining to Joseph Zernik.
Such counsel must be willing to communicate with me. I request that such counsel be an
individual who has not been involved in the racketeering in this case, under previous control
lIfCounlrywiuc. P!ca:;c. nolify mt: who :such I,;01lI1St! is. Doing so would allow immediate
resolution of the dispute between Joseph Zemik and Bank of America.. employing the
individuals listed above will not allow such resolution 10 move toward, albeit - it is most
likely at the bcsl inlen:st of EOA, Josl:pb Zl:JTlik. [lmay abo bl.:: fur tht: .,wt:fit uf (III who Iivt:
in LA County, if BOA supports steps requested by me below.
3. 1)emand: Please immediately withdraw the entire subpoena production of CHL, repudiate
it as' fraudulent on its (ace, and notice tire court and parties according/v..
/llthough not every single page in the subpoena production was fraudulent, the package as a
whole was designed and organized to deliberately mislead the reader and present the
subpoena as the true history ofSamaan's loans applications and their underwriting.
4. pemand: Please immediafeJv withdraw anv and all papers @ed in tltis matte" which were
generated br Maria McLaurin, CHL San Rafael Branch Manager, and notice the court
and parties accordinglv.
Such raper,; rlre hased on fraude; as detailed above and in fOoll1oted paper filed in court.
5. Demand: Please withdraw anv and all o[papers filed bv CHL, a party witlt neither
designation nor legal standing. from the LA Superior Court's sham litigation designated
"Samoan v Zemik", and notice parries and the Court according/yo
Bank of America Corporation must not be engaged i:l mckcteering activities where CHI..
appears in Court with no defined part)' designation, L. sham litigation where the Office of the
Presiding Judge and the Clerk ofthe Court, as well as internal and external counsel retained
for this matter, have all refused to answer in recent months such basic questions as:
a) Js Sammm v Zemik a true case duly registered and indexed, as required by law for a
case heard by the Superior Court ofCalifornia?
b) ls Samaan v Zernik a case listed in the Calendar ofthc Courts, as required by law for a
case heard by the Superior Court ofCalifornia?
c) Is there a judge duly assigned \0 this case, as reqUired by law for a case heard by the
Superior Court of California?
d) ls there a valid, entered judgment in this case, alternatively - is there no valid, entered
judgment in this case?
6. DemomJ: Please institute internal and external review oftltis matter as required by
hUflli.ing laws l/ful regula/iolls, tmd also report to the authorities regarding lite conduct of
il!dividuals, when required to do so by law.
• Paga 10112 December 11 • 2008
I will fully cooperate with investigative procedures duly instituted in compliance with the
law.
7. Del1umd: Please issue to Zemik declaratory statement, to tlte effect that:
a) BOA will take immediate action La mitigate damages.
b) BOA will assume responsibility for compensating Zemik for damages resulting from
the past and present conduct of CHL,
c) BOA, in coordination with Zcmik, will employ all necessary legal measures to vacate
any and al) orders. decrees. judgments that appear in the record, ami were purportedly
the products of litigation in the Superior Court ofCalifomia,
d) 130A, in coordination with Zemlk, will employ all necessary legal mea<;ures to remove
flom the records in the Office of LA COW1ty Registrar/Recorder the fbudulent Grant
Deed I)tiled there by David Pasternak. Officer of the Court, on behalf of the LA
Superior Court.
c) BOA, in coordination with Zemik, will employ all necessary legal measnres to
immcdiutcly rcturn the property commonly knovm as 320 South Peck Drive, Reverly
Hills. 90212 to Zemik's possession, and to compensate him for the unlawful
occupancy of his property since November 2007, and any and all damages related to
the use of the property or its condition upon repossession.
f) BOA will entcr negotiations with Zcmik in re: compensation for any incidental
damages and resolution of the dispute stemming from Samaan v Zemik.
8. Request: Please join and (lIllv support requests already advanced bv Zemik t!tat the
Judiciary Committees o(bothHiJllSe and Senate initiate in the upcoming session or u.s.
Congress /lrgent heori/xgs regarding:
a) Ongoinl1 i~ilure of the ju.<;tice system in r.A f:ounty, from the Rampart to
CountIywide.
b) Wide spread publ ic cOITuption and wide-spread abuse of civil rights in LA County,
c) Actions required in attempt to restore an adequate justice system in LA County
d) Actions required to eruorce the Bill of Rights, as well as Common Law rights for
access to judicial Records per Nixon v Warner Communications,
e) Actions required to affect immediate release of all those who were con finned as
innocent, but are falsely imprisoned in LA CO\..L'1ty since before the Rampart scandal
(1998).
'3 Fraudulenl grant deed was filed on Dec 17. 2007 by David PaslerMk. without ever isSUing 'Nrit of Execution or Abstract of
Judgment The fraud in such Grant Deed was confirmed in notarited opinion letter of veteran FBI agent. James Wedick.
decorated bv U. S. Congress, FBI Director. and U.S. Attorney General. Please view at
ttltp/linpropennl;nomJ07-12-17-opinion-Ietter-fraud-in-orant-deeds-s. pdf
• P;;.~e 11J12 December 11, 2008
C CONCLUSION
I hold that in due course it would be fully recognized that Countrywide and some at the LA
Superior Court were the dominant forces in organi7.ed crime in LA County in recent decades.
Thai much can be gleaned even from the little evidenced in this letter. Such conditions are
inherently tied to the installment of a fraudulent case management system at the LA Superior
Comt circa 1985, and the concomitant elimination of Books of Court that are public records, as
required by I:.rv.' I 4• 1 hope that BOA recognize such facts and take appropriate actions, as part of
its control of Counh)'\'iide. and as part of its corporate IT'sponsibilities.
I hope that this dispute will be expediently concluded with efforts for the benefit of all those \\'ho
live in LA County, ilnd partiL:ularly for those whose basi..: rights and liberties w~r(; abused ill
recent decades by the court and police. With the passage of time such goal became imperative
for me, since it was the only explanation I could find for this entirely crazed conduct of senior
IlUlIl1:tgCTIlI;;J1{ in Cuulltf)'wilk, JlIdgf;::; Uflhtl Su~riur Courl, and Couru;el from :sum\; uft.h~
largest law firms in the world -1hat it was all meant to bring about the release of those who were
J~llsely imprisoned and were and are the weakest and most vulnemble of all.
I hope that all issues related to Samaan v Zernik be expediently resolved in a manner that would
also be hailed as a prime example for the contribution ofone afthe largest corporations in the
U.S. to the resolution of major public policy problems.
Sincerely.
Joseph Zernik
cc:
b. U.S. House and Senate
" The collUSion of the Court of Judge Connor and CI-fL In the perversion and obstruction of justice, the production of
fraudulent trial court litigation records, the central role of the frallclulent case management system and the denial of public
occess to books of CO'Jrt. arc all fully demonstrated in the Register of Actions, where Judge Connor prominently posted on
July 24, 2007 a note designating CHL OREAL PARnES IN INTEREST", wt1ile CountryNide - even today absurdly claims to
be 'Non.Party", At the same lime Judge Connor referred to my daims in court - !he CHL was behind this liligafion as
'Conspiratorial Theory" TIlal note was fraudulently back-dated to the absurd filing date of July 24, 2004 - prior \0 the fifing of
thp. c:ornplainl I and my muose! werE) rlenled access \0 any paper or elec:ronic DOurt mcorrts for almost:? years. Once I was
allovled to see copy of the Register of Actions (I am still denIed 1h~ nght to inspect and to copy even today), I disCOvered this
and many other frauds by the court in litigation recoms. as is elsewhere documented. After I doromented this particular fraud
by the court in papers filed in both the Superior Court and in US. District Court such notes disappeared from the Register of
Actions, with no notaticn. n'J nunc pro tunc order, and no notice to parties.
http://ioj)roperinla.com/OO-OO-OO-la-sup-et·reqisler-of.actions-s-v-z.aduleterations-on-paq&Oll€-sustain-s.pdf
The overall criminal nature of the conduct of the court in this case, and its deliberate engagement in real estate frauds,
where l. County is routinely fisted as first in the U.S" is. best evidenced by the fraudulant cOlleyance of title on the
pro!perly by David Pastemak. "Receiver" appointed by the court:
http://inproperinla.coml07-12 -17-grant.deeds-wedick-s·opinlon·s.pdf
• Page 12112 December 11 . 2008
COllllnjlte~ on th~ Judici31Y, Subcommittees on Oversight and Administration of the Courts, Senate Banking
Committee. and the House Financial Services Committee, Congressman/women representing LA County. This
leiter \s intcnded as part ofongoing requests to institute hearings on the tailed jllStice system ofLA County
Senator Joseph Didcn
Senator Barbara Boxer
Senator Russell l) Feingold
Senator Diane Feinstein
Senator Patrick Leahey
Senator Charles Schumer
Senator Christopher Dodd
Repn:~[Jluliv<; Xavier Betxrril
Representative Howard Bennan
Representative John Conyers Jr
Representative David Drler
Representative Jane Hannan
Representative Howard McKeon
Representative Grace Napolitano
Representative Hilda Solis
Reprcsentative Ma.xinc Waters
Representative Diane Watson
Representative Henry Waxman
c. Office of Federal Tndc Commission

Complaint related the -conduct of Countrywide described below, was first filed in January 2007 with both Offic-e
of Ihrifl Supervision and Office of Federal Trade Commi~ion. Office of Thrift Supervision completed its
investi~atioJ1, against Countrywide Bank. the only affiliate under theirjurisdiction in March 2007. The Office of
Thrift Supervision cleared COlffitlywide Bank of any wrongdoing, since the Bank denied Samaan's loan
applications immediatdy tlpon receipt. But the Ofticc of Thrift Supervision. during il<; investigation uncovered
substantial issues of concem with CHL, and accordingly filed on its own volition, a complaint with Office of
fcdcJ'ill Trade Commission.
From March 2007 and on, it was impossible to get any indication from Office of Trade Commission regarding
the disposition of tile investigation... Freedom oflntormation request,> were not honored either. .. The office was
obviously engaging in substantial cffort to conceal infom1ation that by law the complainant wa<; allowed to
receive:.
With [his letter, I requcst that the Office of Federal Trade Commission provide me with a copy of the eomplaint(s)
in 2007, and the IiJl~J report of tile respective investigations. [also request that the current leiter serve as my
complaint against CHL, for severe abuse ofmy civil rights. for fmudulent wmJuct, and variou.:> ullier violations of
the law listed bel()w.
d. Securities lind E:I'chllnge Commission

Relative to mattcrs described above, which I believe must be reported as materia! violations of law per Sarbanes-
~..ACI of 2002, § 307, and the SEC Rule promulgated there undcr 17 CFR 205
PROOF OF SERVICE
2 and not a party to the within action. My business address is 120 Broadway, Suite 300. Santa
Monica. California 90401-2305.
3
On January 9, 2009, I served the foregoing document(s), described as SECOND
4 SUPPLEMENTAL DECLARAnON OF JENNA MOLDAWSKY IN SUPPORT OF
COliNTRYWIDE HOME LOANS, INC.'S MOTION FOR SANCTIONS AND OTHER
5 RELIEF AGAINST DEFENDANT JOSEPH ZERNIK, on the interested party(s) in this action,
as follows:
6
Joseph Zernik
7
8 Los Feliz, California 90027
[S] (BY OVERNIGHT DELIVERY) I deposited in a box or other facility maintained
9
by federal Express. an express carrier service, or delivered to a courier or driver authorized by
10 said express calTier service to receive documents, a true copy (or original) of the foregoing
document to the party listed above, in an envelope designated by said express service carrier, with
11 delivery fees paid or provided for.
<0
(l)
<')
~ 12 David J. Pasternak Moe Keshavarzi. Esq.
00
Dot Pasternak. Pasten13k & Patton. LLP Sheppard Mullin Richter & Hampton, LLP
<')0 13
II '" 01
_1 t 0(
1X75 Century Park East. Suite 2200 333 South Hope Street, 4Rth Floor
J :J z 14 Los I\ngeles. California 90067-2523 Los Angeles, CA 90071-144R
.. Ill '"
> • 0
0( >- ...
U ~ ::; Robert J. Shulkin, Esq.
z a '" 15
0(
>- 0 U
'" 'fhe Law Department
'" '" '"
lDm~
16 Coldwell Banker Residential
o z
NO
_:l: Brokerage Company
'z"
I- 17 27271 Las R31nblas
'"
III Ivlission Viejo. CI\ 92691
18
[g] (BY MAIL) I placed a true copy of the foregoing document in a sealed envelope
19 addressed to each interested party as set fOl1h above. J placed each such envelope for collection
and mailing at Bryan Cave LLP, Santa Monica, California. I am readily familiar with Bryan Cave
20 LLP\ practice for collection and processing of correspondence for mailing with the United States
21 Postal Service. Under that practice, the correspondence would be deposited. with postage thereon
ttllly prepaid. with the United States Postal Service on that same day in the ordinary course of
22 husincss.
)"
--' Executed on January 9, 2009, at Santa Monic~ California.
24 I declare under penalty of perjury under the laws of the United States of America and the
State uf Califomia that the foregoing is true and correct.
25
26
27
_ff Alexa K~m
28
SI\101 Dues715392 I 3
SECOND Sl!PPLE'vlE'!TAl. DFCL.ARATION 1"l SUPPORT OF

\101 ION ~OR SA\iCTIONS
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26 Exhibit B(6)
27
28

Case # 05-90374
Notice #3
Exhibits Volume B
B-457
NAM E,ADDRESSAND TELEPHONE NUM BER OF ATTORNEY IS)
..be:phZem:li<,DM D, PhD
PO Box 526 LaVemeCalifi::nnB 91750
Tel: 310 435 9107 Fax: 801 998 0917
Em ail; jz12345@ e:uthJ:inknet

W ILLlAM ALLEN PARSLEY BOlIDNer CASE NUM BER
PLA JNTJFF (S),

05-903-74
v.

OF SERVICE
DEFENDANT (S).
I, the undem:gnErl, certify and d.ecJ:ne thatIan overthe cge of 18 yeaJ:S, Em pbyErl :in the County of
LosA nge'es .
party to the above-ent:itlEd cause. On A PRJI,)f\\O
NOTICE #3, EXHIBITS VOLUM~1r
re: ,20 09
, S tate of C al:i:fi::)]Iri:~., and nota
,Ise.r.rErl a tnle ropy of
by pe:rronaJJy del:iver.:ing :it to the perron (s) :indi::atEd bebw :in the m anner as pIDVnErl :in FR C:iY"P 5 (b) i by
depositing :it:in the Unitro S tatesM ail:in a s::a19:i envebpe w jfu the postage therron fuIly pIEpail to the fuJbw :ing:
Qistnan es and cddIPS3?S furpe:rron (s) se.r.rErl. A tt:ach a::ldit:bnalpcges if ne:e::s:rry .)
PJaceofM ailing: LA VERNE, C~IFORNIA

EXro..ltEdon APRIL f,A \\Q CY: 20_09 at LA VERNE , C al:ifum:ia
pJeare check one of there boxes if se.r.ri:e :ism cde by m ail:
G I herEby certify that I an a mEmber of the Bar of the U n:ita:l States D :i.st:I±:t Court,. Centtal D :i.st:I±:t of
C al:ifum:ia.
G Ihereby certify thatIan Em pbyErl :in the o:Efre ofam Em berofthe Barof th:is Courtatw hore dire:n:>n the
se.r.ri:e w as m cde.
G I hereby certify underthe penaJty ofperj.rry tha
1, , l:B:E:iY"Erl a tnle copy of the w jfu:in docLnn enton _
CV -40 (01))0) PROOF OF SERVICE - ACKNOWLEDGMENT OF SERVICE

Service List
1) Jenna Moldawsky & John Amberg
Bryan Cave, LLP
Tel: 310576-2100
Fax: 310 576-2200
2) Todd Boock, Sanford Shatz, Sandor Samuels

CFC Legal Department
5220 Las Virgines Road
MailStop AC-11B
Calabasas, CA 91302
3) Timothy Mayopoulos, General Counsel

BAC Legal Department
100 North Tryon Street
Bank of America Corporate Center
Charlotte, NC, 28255

09-05-08 Case of Borrower William Parsley (05-90374) DKT #260: DR Joseph Zernik's Notice #3, Exhibit B

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09-05-08 Case of Borrower William Parsley (05-90374) DKT #260: DR Joseph Zernik's Notice #3, Exhibit B

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Case 05-90374 Document 260-1 Filed in TXSB on 05/08/09 Page 1 of 35

Case 2:08-cv-0155 AP-CW Document 44 Filed 0 12008 Page 7 of 31

1 7. Attacbment B is a true and correct copy of the correspondence

5 Purchase Agreement. Attached hereto as Exhibit 24 Is a true and correct copy of

6 Countrywide's notice which states the reason for the suspension."

9 accompanied by the actual Notice of Suspension that Countrywide sent me In October

NOTICE OF COUNTRYWIDE DOCUMENT PURPORTED BY PLAINTIFF VALID UNDERWRITING LETTER

moocT 26 2004 D:54/ST.: O:53I1JO. 6S3U706M p

IUCIIIIl:L JAKES C)·ltZILLY DM ,,'-Cute

ll.r,u",h t: 0~00933 1lr_~·V

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LAM PM....: J7:iz:=-t

1:1\1. 111£0"",""1011 by 10/251<1004. If ..... do not r;eccivo it by th."

».. entia. ~)..t• .x~" purobu. OOtl't~bat, e.cltolf' inrtructl.O't\:s

5 txlIlIUlCnD/SWll&~ 1003 tAr loOCJ[-I11-1lAUI

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--------_..... _..._-----_....:-_---_...----------------_. _-------

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lIOIIRO'&R lB.lTrEH ~IW ~ _

.... Ilk .~ U81-~098380 for "12 ~ 8113 ~~ uaOk

AMERICA'S WHOLESALE LENDER0

Re: Fax Froml (415) 259'()B65

Pages: Phonel (415) 257-2703

o U'1Jent 0 For Review 0 Please Comment 0 Please Reply

SAN R"PAEI. COltPOIlATl< CENTER

Re: Nivie Samaan

COUPlTRYWIDE HOME lOANS, INC. IiICflA£I, .JAl£S o'n=y OBIl I1I\.c:IF~C

S".. "clI I' 0000!l33

Conditio,," Condit;ie;th o.lIIC'/Correpnt;.

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(pag_ 1 of Z 10/26/2004 10,44,51)

Loen t: 81731375 -'''''''''' ..::S1IllAIIII~:=~.'_..::M:.:rvn:o:=:::...._...,-- _

------_...._------_ .._-_..._------------ ..-_........ _-----"------

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um.oc: - CQlPy CII' FIRST MllRTaAQ 11011:

ttwat you fDt" rubR1ttJ.n9 your loan

9•.d:ly $].0); en 6epo1!l1t ttl e",~row .,,/ :I~ ..e.rl.t"1ed.

wr bk .. t .... '6el"'~ 0'83'0 '!r>lI ? /12 thru DIU .~ SJ80k

(P.ge Z of 2 10/2'f200~ 10:44:52)

"Moe Keshavarzl" To m9ri8_mcIaurin@counlcyWide.com

please ~ our website at www.sheppardlllUJ.lin.com OOC.PDF

DECLARATJON OF MARIA McLAURIN

12 that the foregoing is true and correct.

11/06/2008 12:58 PAX 2138302083 1lIl001

FACSIMILE COVER SHEET

Date: November 6, 2006 File Number. 0100-092162

IQl Facsindle No. Telephone No.

From: . Moe K.eshavatZi

MESSaGE: lfyou have any questions, please call me.

ONl.: e OF THe IN DUAL OR ElIlTtTY

11/06/2006 12:6~ FAl Z138302083 IilJ002

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