12-10-14 Letter to Mr Stanley Fisher, Governor, Bank of Israel, RE: a) Renewed extortionist threats by Bank HaPoalim, BM, and

b) Refusal of Bank of Israel, Banking Regulation to designate respective complaint number.

Date: October 14, 2012 To: Mr Stanley Fisher, Governor, Bank of Israel Via: Email to: Mr Stanley Fisher, Governor; Ms Miriam Segal, Public Communications [Pnyot HaTzibur], Banking Regulation [HaPikuah al HaBankim]; Fax to: 02-6669077, From: Joseph Zernik <josephzernik@humanrightsalertngo.org> RE: Letter to Mr Stanley Fisher, Governor, Bank of Israel, RE: a) Renewed extortionist threats by Bank HaPoalim, BM, and b) Refusal of Bank of Israel-Banking Regulation to designate respective complaint number. Dear Governor Fisher: I am writing regarding the following two issues, related to the Complaint, which I duly filed and which was confirmed received by Bank of Israel-Banking Regulation, on August 25, 2012, (linked below): a) Renewed extortionist threats by Bank HaPoalim, BM I visited today one branch of the Bank and from there talked by phone with anther, in order to figure out the status of my accounts, held in custody by the Bank. In both cases, I spoke with "Private Banking" clerks. I was reassured that I was still free to access my accounts. I was told that the reason that the threats, previously articulated by the Bank, had not been executed by September 1, 2012, as promised, was related to the High Holidays, or some other delay. I was reassured that the threats would be materialized, although the effective date remained unclear, possibly January 1, 2013. All three of us agreed that the matter was well above the heads of the participants. However, I pointed out my distinction: In late August, 2012, I was informed by Banking Regulation, Bank of Israel, that I was the first consumer, from whom a formal Complaint against the Bank had been received on the matter. One of the participants expressed surprise, since there was a large number of "US Persons", who were customers of the Bank, and refused to submit to the demands and threats. Then, the speculation was raised that most of these "US Persons" were not going to file a formal Complaint, for fear of being exposed. I was further told, that nothing could be done the change the course of events in this matter. Practically, all international financial transactions from Israel were cleared through US services, and the US government was threatening to block access to Israeli banks that would not comply with US demands in this matter. Therefore, I was advised that I would better submit to the demands, since moving my money to any other bank in the State of Israel would be of no help, either. b) Refusal of Bank of Israel, Banking Regulation to designate respective complaint number.

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Today, I also called again Pnyot HaTzibur [Public Communications jz] at Banking Regulation [HaPiku'ah al HaBankim jz] to inquire regarding the designation of Complaint number for my complaint against the Bank in this matter, which was duly filed with Bank of Israel-Banking Regulation and confirmed received on August 25, 2012. Today, I was helped by phone by Ms Hedvah. She searched the Bank of Israel Consumer Complaints database, while I was on the phone, but could not find any record of my Complaint. Ms Hedvah asked for my phone number, in order to call back, after additional review of this matter. I informed Ms Hedvah that I would follow up in writing, as I am doing, and that in such matters, I also expect the response by Bank of Israel-Banking Regulation to be in writing. Events of the day highlight the three fundamental issues at hand: a) Brazen conduct by the Bank, which should be deemed as a pattern of Extortion through corporate White-collar Crime; b) Sovereignty, or lack thereof, of the State of Israel, in general, and Bank of IsraelBanking Regulation, in particular, vis-a-vis their United States counterparts; c) Integrity, or lack thereof, in Bank of Israel-Banking Regulation Consumer Complaints fax and online electronic submission procedures, in particular, and Consumer Complaints procedure in general, and. For all the reasons, listed above, I hope and expect that Bank of Israel-Banking Regulation would respond in writing and provide the number, designated for the August 25, 2012 Complaint; alternatively - explain the reasons that prevent the designation of such number. Truly, Joseph Zernik, PhD PO Box 31440 Jerusalem 91313
LINKS: [1] 12-08-25 PRESS RELEASE: Complaint filed with Israeli banking regulation against Bank HaPoalim for attempting to extort compliance with US IRS regulations in Jerusalem http://he.scribd.com/doc/103925800/ [2] 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://he.scribd.com/doc/103922991/ [3] 12-08-27 NOTICE TO CEASE AND DESIST EXTORTION AND TO MITIGATE HARMS given to Ms Shari Arison, Mr Tzion Kenan, Mr Yair Serroussi - Bank HaPoalim http://he.scribd.com/doc/104026663/ [4] 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://he.scribd.com/doc/104993753/ [5] 12-09-05 Correspondence With Bank HaPoalim, In Re: Ongoing Extortionist Conduct by Bank HaPoalim, LTD, Israel http://he.scribd.com/doc/104995723/

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[6] 12-09-07 Request for Bank of Israels designated Complaint Number, Complaint Date http://he.scribd.com/doc/105228127/ [7] 12-09-10 Request for Response by Bank of Israel Governor Stanley Fisher in re: Consumer Complaint against Bank HaPoalim, LTD, Israel http://he.scribd.com/doc/105495170/ [8] 12-10-01 Repeat Request for Designation of a Complaint Number by Bank of Israel, Banking Regulation, for a complaint against Bank HaPoalim, BM http://he.scribd.com/doc/108760537/ [9] 12-10-03 PRESS RELEASE: Israeli banking regulators fail to initiate complaint procedure against Bank HaPoalim, BM, for alleged criminality http://he.scribd.com/doc/108820346/

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