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>
> Online Security
> First American Bank will never ask you for your personal information, such as your login ID,
password, or answers to challenge questions, in an email or any web page directly linked to an e-
mail from us. For more information on how to protect yourself against online fraud, view our
Online Security page at https://www.firstan1bank.com/General/Genera1Info/OnlineSecuritv/
>
> Privacy Policy
>Wedo NOT disclose any information about you to anyone, except as permitted by law. For
more detailed information, view our Privacy Policy at
https://\V\VW.firstambank.com/General/Generalinfo/PiivacyPolicy/
>
>
>
>
>
> From: Larry Schneider [mailto:Larry@sacapita1partners.com]
> Sent: Tuesday, October 27, 2015 7:09 PM
> To: Brian T. Hagan <bhagan@firstambank.com>
> Subject: RE: HELCllllllllll 0006 - CONFIDENTIAL - FOR SETTLEMENT PURPOSES
1
ONLY
>
> CONFIDENTIAL - FOR SETTLEMENT PURPOSES ONLY
>
> Brian,
>
> I have been occupied 24/7 with the semi-confidential situation which we spoke about during
our meeting. Thus, I have not had a moment to address the continued problematic and abusive
practices by First American Bank in its failure to address and remediate its flawed system of
records, which continues to erroneously report my HELOC account to the major credit
repositories as delinquent for the past six months (This report only shows September and
October 2015, as a letter correcting prior erroneous reporting's by the Bank, was sent to the
credit repositories by Jennifer Anderson. In fact, the bank has already reported my account as
over 30 days past due for October 2015. (Attached is a confidential copy of my credit report as
of today, October 27, 2015). This has continually lowered my credit score and fraudulently
corrupted my credit worthiness in several attempts to get multi-million dollar financing for my
FCA and RICO cases against JPMorgan Chase and for other unrelated financing. As I notated in
my email last month, the banks customer service department can't tell me the last paid date and
next due date ofmy mortgage loan. At 3:32 pm today, 1 once again called the customer service
number on my Periodic Billing Statement (847-952-3700) and once again I sat on hold for 15
minutes while the representative tried to determine the accuracy and integrity of my account
infom1ation, to no avail.
>
> You had personally assured me that the problem with my HEOLC billing was rectified during
our meeting. I shared honest and confidential information, as a professional, a customer and on a
very personal level. I reasonably expected that if you went out of your way to meet with me in
person to discuss the matter, that you did so in good faith and that the erroneous billing and
credit reporting problems with my account were resolved as you represented to me.
>
> Furthermore, in the subsequent email below, you claimed that you "will verify that it [the
September payment] has been applied properly." Once again, I took you at your word that you
4
SCHNEIDERS 00053
were personally ensuring that my account was being handled properly. It was not and is still not
being handled properly.
>
> The banks unwillingness to address its corrupted system ofrecords, despite over 20
documented requests, plus the gross negligence shown by the bank in filing a release oflien and
satisfaction of mortgage for a loan it did not own (Johnnie Washington - S & A Capital Partners
mortgage), shows the banks unwillingness to comply with federal and state mortgage servicing
and consumer protection laws.
>
> I have been cooperative and accommodating with any of the banks requests. I am now ready to
make this a very long and protracted litigated matter.
>
> I offer this one offer and compromise as follows:
> I/we will agree to provide the bank a special warranty deed for the transfer of the property in
its "as-is" condition, which is in the same material condition as it was at the time of the appraisal,
in exchange for a full release of liability of the debt, as a set off for the mortgage loan which the
Bank released between S & A Capital Partners as Mortgagee and Johnnie Washington as
Mortgagor, and for other good and valuable consideration (harms). General releases to be signed
between the Bank and Laurence Schneider, individually and between the Bank and S & A
Capital Partners.
>
>Asa professional courtesy, I did not copy anyone on this correspondence.
>
> Please reply either way prior to 2:00 p.m. on Friday October 30, 2015. A no reply will be
interpreted as a disagreement to the basic terms outlined and offered above.
>
>
> Sincerely,
>
> Larry Schneider
> S & A Capital Partners
> 2901 Clint Moore Road, Suite 410
> Boca Raton, FL 33496
> Tel: 305-710-4201
>
>
>
> CONFIDENTIAL - FOR SETTLEMENT PURPOSES ONLY
>
>
> From: Brian T. Hagan [mailto:bhagan@firstambank.com]
> Sent: Thursday, October 01, 2015 8:30 AM
> To: Larry Schneider
> Cc: Milton W. Espinoza; James A Kielbasa; Jennifer L. Anderson
> Subject: RE: HELOC l4IIIIII 006
>
> Larry:
>
> I can confirm we have received your payment, and will verify that it has been applied properly.
>
> If you have any questions regarding your October payment, please contact me directly.
5
SCHNEIDERS 00054
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