Digitally signed by Joseph H

Zernik
DN: cn=Joseph H Zernik, o, ou,
email=jz12345@earthlink.net,
c=US
Location: La Verne, California
Date: 2010.01.15 10:54:33
-08'00'

Bankof America -.
~~
Office of the CEO & President

January 8, 2010

Dr. Joseph H Zernik

PO Box 526

La Verne, Ca 91750

Dear Dr. Zcrnik:

This letter is in response to your inquiry. As a yustomer Advocate for Bank of America's Office of
the CEO and President, r welcome th~ opportun~ty to respond to your concern. Your letter has been
forwarded to my office for review ani res onse

Unfortunately, because our records d~ not ref1eet that you are currently a Bank of America customer
we will not be able to discuss the loan to which ,we believe you are referring, nor will any information
be disclosed with regard to this accouht. It is al$o noted that you bave previously raised these issues
wIth the Company, and we found no tasiS for further investigation.

]f you have any questions p.bout the i~fonnationl contained in this letter, please contact our outside

counsel, John Amberg and Jenna Mo]dawsky at Bryan Cave LLP. Thank you.

Sincerely,

~~'~,

C~::iJ

Customer Advocate

Office of the CEO and Prc;sident

cc: Office of the Comptroller of the Currency

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Bank of America, Corporal;e Center

100 North TrYon Street, Charlotte, NC 28k:55·0001

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Bank of America, Office of the CEO & President
100 North Tryon Street, Charlotte, NC 28255-0001

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