12-09-05 Correspondence with Bank HaPoalim, in re: Ongoing Extortionist Conduct by Bank HaPoalim, LTD, Israel

Bank HaPoalim; Bank of Israel banking regulator of the State of Israel

The email note, dated September 5, 2012, by Bank HaPoalim (in Hebrew), copied below, again reiterates the conduct by Bank HaPoalim attempt to extort compliance with the law of the United States in the State of Israel. The conduct, documented in the Complaint and Addendum, filed with Bank of IsraelBanking Regulation (linked below), should raise serious concerns regarding integrity and stability of operations in Bank HaPoalim. RELATED DOCUMENTS: [1] 12-08-25 Dr Zernik's Complaint, filed with Israeli banking regulation against Bank HaPoalim - for attempting to extort compliance with US IRS regulations in Jerusalem http://www.scribd.com/doc/103922991/ [2] 12-08-27 NOTICE TO CEASE AND DESIST EXTORTION AND TO MITIGATE HARMS given to Ms Shari Arison, Mr Tzion Keynan, Mr Yair Sarusi - Bank HaPoalim http://www.scribd.com/doc/104026663/ [3] 12-09-04 Addendum to Complaint, filed with Bank of Israel against Bank HaPoalim, and a Demand, filed with Bank HaPoalim, for a Written Statement of Interest Gained in Client's Accounts in 2011 http://www.scribd.com/doc/104993753/

On Wed, Sep 5, 2012 at 2:54 PM, JZ <123456xyz@gmail.com> wrote: DATE: September 5, 2012 FROM: Joseph Zernik TO: Ms Shari Arison; Mr Tzion Keynan, CEO; Mr Yair Sarusi, Chairman of the Board - Bank HaPoalim, LTD, Israel VIA: Mr Shalom Barashi <shalom.barashi@mailpoalim.co.il>, Ms Maya Shulyatsky <maya.shulyatsky@mailpoalim.co.il> CC: Ms Miriam Segal, Bank of Israel-Banking Regulation

RE: Ongoing Extortionist conduct by Bank HaPoalim

I am in receipt of the message by Bank HaPoalim, dated September 5, 2012, copied below. 1) Complaint filed with Bank of Israel against Bank HaPoalim, alleging extortion There is no basis in the law of the State of Israel for Bank HaPoalim's demands, reiterated in Bank HaPoalim's message, copied below. The claims by Bank HaPoalim in the message below are pure fabrication. The matter, is currently the subject of a Complaint, filed with Bank of Israel-Banking Regulation against Bank HaPoalim. The complaint claims that such conduct amounts to extortion by a banking institution against a client - a serious crime. Bank of Israel informed me that Bank HaPoalim was required to respond on the Complaint to Bank of Israel within 21 days. Moreover, Bank of Israel informed me that a Commission was appointed to investigate the matter. I will wait for the response by Bank HaPoalim to Bank of Israel on the Complaint, and for the determination on the Complaint by Bank of Israel-Banking Regulatin. 2) Addendum to Complaint, filed with Bank of Israel-Banking Regulation, and Demand, filed with Bank HaPoalim, for a clear written statement regarding interest gained in my accounts in 2011. Separately, I filed last night a demand with Bank HaPoalim to provide me a clear written statement of the total interest gained in my accounts in 2011. The same letter was also filed with Bank of Israel as an Addendum to the Complaint, referenced above. The basis for the Addendum is the refusal of Bank HaPoalim to provide me such statement. The Addendum claims that the refusal to provide such statement is a serious violation of Banking Regulation, as a separate issue for the alleged extortion, noted in the Complaint. I hope that by the time I return to Israel, around the end of September-early October, this matter will be sorted out by Bank of Israel-Banking Regulation. Truly, Joseph Zernik, PhD

>2012/9/5 <maya.shulyatsky@mailpoalim.co.il " 6125646-20

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