13-03-17 Correspondence with Bank HaPoalim, BM, in re: Ongoing extortion and denial of a German citizen's equal access

to banking .services in Jerusalem

From: JZ <123456xyz@gmail.com> Date: Sun, Mar 17, 2013 at 7:08 PM Subject: Ongoing extortion and denial of a German citizen's equal access to banking services in Jerusalem. To: Chief Internal Auditor Jacob Orbach <jacob.orbach@mailpoalim.co.il> Cc: maya.amzallag@mailpoalim.co.il, efrat.dahan@mailpoalim.co.il, "TELA RK-1 Blaurock, Ludwig Martin" <rk-1@tela.auswaertiges-amt.de>, Attention Governor Stanley Fischer <miriam.segal@boi.org.il>, Stanley Fischer <sfischer@bankisrael.gov.il> March 17, 2013 Chief Internal Auditor Jacob Orbach Bank HaPoalim, BM, Israel Your response within 7 days is kindly requested. Dear Mr Orbach: Today, I visited the Beit HaKerem, Jerusalem, Branch of Bank HaPoalim and asked to execute banking transactions in my accounts, detailed in my March 11, 2013 advance notice (copied below): purchase Bank of America Corporation [BAC:NYSE] stock and US T-bills. Clerk Shulyatsky refused to execute the transactions, unless I produce records of renunciation of US citizenship to Bank HaPoalim's satisfaction, and then sign the attached document. ("Change of US Person Registration Form Declaration and Waiver") Ms Shulyatsky's supervisor, Ms Efrat Dahan, explained that I was denied access to such services following instructions by Mr David Zagen of the Public Relations Unit of the Bank in Tel Aviv. As detailed in the past, regardless of fabricated legal language of your documents, such conduct has no lawful basis, and it amounts to extortion and denial of a German citizen's equal access to banking services in Jerusalem. Please initiate immediate corrective actions. Truly, Joseph Zernik Attached:

1) "Change of US Person Registration Form - Declaration and Waiver", provided by Bank HaPoalim. CC: 1) Ludwig Blaudrock, General Consul of the German Federal Republic 2) Stanley Fischer, Governor of Bank of Israel ___________________ On Tue, Mar 12, 2013 at 7:15 PM, JZ <123456xyz@gmail.com> wrote:
March 12, 2013 Ms Maya Amzallag, Branch Manager Beit HaKerem, Jerusalem Bank HaPoalim, BM

Dear Ms Amzallag: Thank you for your quick response on my request to purchase Bank of America Corporation [BAC:NYSE] stock and US T-bills, copied below. Your response failed to address my requests at all. Instead, it responded with unrelated, fabricated legal demands, pertaining to irrelevant laws of the United States. In case my intention was unclear: I will try next week to materialize my right for equal access to banking services as a German citizen in an Israeli bank in Jerusalem, by attempting to make the requested purchases. In case the Bank is denying my access to such equal services, please let me know in advance, so that I don't waste my time or yours. Truly, Joseph Zernik CC: 1) Jacob Orbach, Chief Internal Auditor, Bank HaPoalim, BM, Israel 2) Ludwig Blaudrock, General Consul of the German Federal Republic 3) Stanley Fischer, Governor of Bank of Israel ___________________ On Tue, Mar 12, 2013 at 6:49 PM, JZ <123456xyz@gmail.com> wrote: March 12, 2013 Ms Maya Amzallag, Branch Manager Beit HaKerem, Jerusalem Bank HaPoalim, BM Dear Ms Amzallag:

Thank you for forwarding to me the attached Hebrew and English, bilingual "Change of US Person Registration" form. The form is unmarked as to its author, and there is no indication when it was drafted, or whether it is a document of Bank HaPoalim, BM, Israel, or any other entity. My Customer Agreement was signed with Bank HaPoalim, BM, and Israeli bank, pursuant to the law of the State of Israel. However, there is no reference to the law of the State of Israel that is the foundation for this form, only to various US laws, which are irrelevant to this matter. Finally, implied again in Bank HaPoalim's demands is the threat of denial of access to equal banking services by and Israeli bank, operating under Israeli banking regulation, to a German citizen and a resident of Jerusalem, which is unlawful. I would be grateful if you could please clarify: 1) Who authored "Change of US Person Registration" form. and when? 2) On whose behalf was it produced, and if so, why is it unmarked? 3) What is the legal foundation for this form in the law of the State of Israel, if any? 4) What are the current restrictions placed by the Bank on my access to equal banking services for refusing to yield to the Bank's unlawful demands? Truly, Joseph Zernik Attached: 1) "Change of US Person Registration" form. CC: 1) Chief Internal Auditor Jacob Orbach, Bank HaPoalim, BM, Israel 2) General Consul Ludwig Martin Blaurock, Embassy of the German Federal Republic in Israel 3) Governor Stanley Fischer, Bank of Israel ___________________ English translation of Ms Amzallag's notice below: Dear Dr Zernik, Following your visit to the Branch on March 10, 2013, we figured out that you would like to review the document, which you are required to sign following production of the renunciation [of US citizenship - jz] documents. Therefore, we tried to reach you by phone. Since you were not available we left you a message. Attached is a sample document. It should be noted that you would be required to sign the document only after providing us with the renunciation documents, and after we review them and attach them to the document. [bold in the original - jz]

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On Tue, Mar 12, 2013 at 11:47 AM,<maya.amzallag@mailpoalim.co.il> wrote: ," '

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<xyz@gmail.com123456> JZ :

mailpoalim.co.il@maya.amzallag ,co.il.maya.shulyatsky@mailpoalim jacob.orbach@mailpoalim.co.il

16:12 11/03/2013 Request to purchase Bank of America Corporation [BAC:NYSE] stock and US T-bills

: : :

On Mon, Mar 11, 2013 at 4:12 PM, JZ <123456xyz@gmail.com> wrote: TO: Ms Maya Shulyatsky, Private Banking Clerk, and Ms Maya Amzallag, Branch Manager Email: <maya.shulyatsky@mailpoalim.co.il>, <maya.amzallag@mailpoalim.co.il> BANK HAPOALIM, BM, Beit HaKerem Branch, Jerusalem CC: Chief Internal Auditor Jacob Orbach, Member of the Board of Management BANK HAPOALIM, BM, Israel Email: <jacob.orbach@mailpoalim.co.il>; , RE: Request to purchase Bank of America Corporation [BAC:NYSE] stock and US T-bills Dear Ms Shulyatsky and Ms Amzallag, Thank you for taking the time to explain to me the status of my account yesterday.

I write to let you know that I plan on visiting the Branch next Sunday, March 17, 2013, to perform the following transactions: Purchase of one (1) share of Bank of America Corporation [BAC:NYSE], now priced at about USD 12.00. Purchase the smallest possible unit of shortest term (3 months?) United States Treasury Bills. I would pay for the purchases from my cash US dollar account or my cash Israeli shekel account, whichever incurs cheaper costs. Jerusalem, March 11, 2013, Joseph Zernik, PhD PO Box 31440 Jerusalem, 91313