7/29/2019 13-03-17 Correspondence with Bank HaPoalim in re - extortion, denial of equal acces to banking services in Jerus

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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 Date: Sun, Mar 17, 2013 at 7:08 PMSubject: Ongoing extortion and denial of a German citizen's equal access tobanking services in Jerusalem.To: Chief Internal Auditor Jacob Orbach Cc: maya.amzallag@mailpoalim.co.il, efrat.dahan@mailpoalim.co.il, "TELARK-1 Blaurock, Ludwig Martin" , AttentionGovernor Stanley Fischer , Stanley Fischer

March 17, 2013

Chief Internal Auditor Jacob OrbachBank 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 andasked to execute banking transactions in my accounts, detailed in my March11, 2013 advance notice (copied below): purchase Bank of AmericaCorporation [BAC:NYSE] stock and US T-bills.

Clerk Shulyatsky refused to execute the transactions, unless I producerecords of renunciation of US citizenship to Bank HaPoalim's satisfaction, andthen sign the attached document. ("Change of US Person Registration Form -Declaration and Waiver")

Ms Shulyatsky's supervisor, Ms Efrat Dahan, explained that I was deniedaccess 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 yourdocuments, such conduct has no lawful basis, and it amounts to extortion anddenial of a German citizen's equal access to banking services in Jerusalem.

Please initiate immediate corrective actions.

Truly,

Joseph Zernik

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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 wrote:March 12, 2013

Ms Maya Amzallag, Branch ManagerBeit HaKerem, JerusalemBank HaPoalim, BM

Dear Ms Amzallag:

Thank you for your quick response on my request to purchase Bank ofAmerica Corporation [BAC:NYSE] stock and US T-bills, copied below.

Your response failed to address my requests at all. Instead, it responded withunrelated, fabricated legal demands, pertaining to irrelevant laws of the UnitedStates.

In case my intention was unclear: I will try next week to materialize my rightfor equal access to banking services as a German citizen in an Israeli bank inJerusalem, by attempting to make the requested purchases.

In case the Bank is denying my access to such equal services, please let meknow 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, Israel2) 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 wrote:March 12, 2013

Ms Maya Amzallag, Branch ManagerBeit HaKerem, JerusalemBank HaPoalim, BM

Dear Ms Amzallag:

7/29/2019 13-03-17 Correspondence with Bank HaPoalim in re - extortion, denial of equal acces to banking services in Jerus

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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 wasdrafted, 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 Israelibank, pursuant to the law of the State of Israel. However, there is noreference 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 ofaccess to equal banking services by and Israeli bank, operating under Israelibanking regulation, to a German citizen and a resident of Jerusalem, which isunlawful.

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, ifany?4) What are the current restrictions placed by the Bank on my access to equalbanking 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, Israel2) General Consul Ludwig Martin Blaurock, Embassy of the German FederalRepublic in Israel3) 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 youwould like to review the document, which you are required to sign followingproduction of the renunciation [of US citizenship - jz] documents. Therefore,we tried to reach you by phone. Since you were not available we left you amessage.Attached is a sample document. It should be noted that you would be requiredto sign the document only after providing us with the renunciation

documents and after we review them and attach them to the

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___________________

On Tue, Mar 12, 2013 at 11:47 AM, wrote:"',

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I write to let you know that I plan on visiting the Branch next Sunday, March17, 2013, to perform the following transactions:Purchase of one (1) share of Bank of America Corporation [BAC:NYSE], nowpriced 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 cashIsraeli shekel account, whichever incurs cheaper costs.Jerusalem, March 11, 2013,

Joseph Zernik, PhDPO Box 31440Jerusalem, 91313

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