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Digitally signed by Joseph

Joseph Zernik DMD PhD


Zernik
DN: cn=Joseph Zernik,
email=jz12345@earthlink.net,
Fax: (801) 998-0917 Email: jz12345@earthlink.net c=US
Date: 2009.04.17 12:15:14
-07'00'

09-04-17. Six Key Records that BAC/CFC Audit Committee was and is
requested to either authenticate or repudiate.
Below is the list as copied verbatim from letters and complaints sent to the Audit Committee
of BAC:

“Listed below are key records of the alleged fraud by CFC/BOA against JOSEPH ZERNIK in litigation of Samaan
v Zernik (SC087400) at the LA Superior Court:
1) Underwriting Letter misrepresented as a fax transmission of mid-October 2004, from
Countrywide, San Rafael to VICTOR PARKS, State of Washington. [1]
INTRODUCED REPEATEDLY IN COURT. MOST RECENTLY FOR A MOTION NOTICED FOR
NOVEMBER 2008. ALLEGED KEY FRAUD RECORD.
2) Real Property Purchase Contract misrepresented as a fax transmission of October 25,
2004, 5:03pm from VICTOR PARKS, State of Washington, to Countrywide, San Rafael.
[2]
INTRODUCED REPEATEDLY IN COURT. MOST RECENTLY FOR A MOTION NOTICED FOR
NOVEMBER 2008. ALLEGED KEY FRAUD RECORD.
3) Set of a letter and declarations by CFC/ MARIA MCLAURIN, Branch Manager, San
Rafael, California. [3]
INTRODUCED REPEATEDLY IN COURT. KEY FRAUD RECORD.
4) Subpoena Production of Countrywide in Samaan v Zernik. [4]
About 400 pages, produced by the Legal Department a total of 5 times from
August 2006 to April 2007. Deemed fraud in its entirety - since it included loan
files that were recreated after the fact, and records that are the product of
wire/fax fraud and bear false and deliberately misleading fax header imprints,
when in fact there is nothing in this production that allows to determine where
and when such records appeared from. It was part of a concerted effort by
SAMAAN,
MCLAURIN AND THE LEGAL DEPARTMENT OF CFC TO FABRICATE FALSE HISTORY FOR
SAMAAN'S LOAN APPLICATIONS IN 2004,
5) Records showing CFC and even more recently CFC/BOA appearing in court for almost
two years under the party designation of "NON-PARTY", while the court
interchangeably designates it "DEFENDANT", "PLAINTIFF", "INTERVENOR", "ROSS-
DEFENDANT", "REAL PARTY IN INTEREST", etc. [5]
Such appearances are deemed false and deliberately misleading and have no
basis in the law of the U.S. or California, Therefore they place the entire
litigation in a real that is outside the law.
6) July 23, 2007 Protective/Gag Order by Judge JACQUELINE CONNOR [6].
Such purported order led to two judgment of quasi-criminal nature being entered
by Judge Terry Friedman against me, both at the request of CFC, The second one
- in February 2009, at the requests of CFC/BOA. I have no valid court record of
that nature, and the court and CFC/ BOA so far have failed to produce this record
either.”

The numbers in square brackets in the text of the letters and the complaints to the Audit Committee referred

to records, which were posted online at the URLs listed below. Such lists were provided in the letters and

complaints to the BAC Audit Committee as well.


z Page 2/2 April 17, 2009

[1]
http://inproperinla.com/04-10-26-countrywide-fraudulent-underwriting-letter-s.pdf
http://inproperinla.com/04-10-26-doc-44-countrywide-fraud-underwriting-letter.pdf
http://inproperinla.com/04-10-26-opinion-letter-countrywide-underwriting-letter-oct-26-s.pdf
[2]
http://inproperinla.com/04-10-25-doc-45-countrywide-fraud-contract-record.pdf
[3]
http://inproperinla.com/06-11-09-doc-38-1-countrywide-mclaurin-false-declarations.pdf
http://inproperinla.com/06-11-09-doc-38-2-countrywide-mclaurin-false-declarations.pdf
[4]
http://inproperinla.com/07-02-08-countrywide-fraudulent-subpoena-production-c-s.pdf
[5]
http://inproperinla.com/09-01-13-cw-motion-sanctions-osc-contempt-S.pdf
http://inproperinla.com/09-01-13-moldawsky-notice-of-motion-sanctions-contempt.pdf
http://inproperinla.com/09-01-13-document-1.pdf
http://inproperinla.com/09-02-17-document-1.pdf
http://inproperinla.com/09-02-17-document-2.pdf
http://inproperinla.com/09-02-17-document-3.pdf
[6]
I have no such record. I expect CFC/BAC to produce the record.