DATE: September 5, 2012 TO: Ms Shari Arison; Mr Tzion Keynan, CEO; Mr Yair Sarusi, Chairman of the Board VIA:

Mr Shalom Barashi shalom.barashi@mailpoalim.co.il FROM: Joseph Zernik, PO Box 31440, Jerusalem 91313, Email: 123456xyz@gmail.com

CC:

Ms Miriam Segal, Bank of Israel

Your immediate attention to this matter is kindly requested, your response is kindly requested, no longer than 10 days from this date. RE: Demand for immediately providing me a definitive written record, listing any and all interest gained on my accounts during the tax year 2011. Please accept instant request for the immediate issuance of a written record of interest gained on my accounts, held with Bank HaPoalim, LTD, Israel, during the tax year 2011. During my last visit to the Bank (Branch 694, Beit HaKerem, Jerusalem), officers of the Bank purported that HaPoalim, LTD, Israel, with whom I hold my accounts, is a United States Corporation, and therefore, was required to enforce United States IRS Regulations on its clients within the State of Israel. Needless to say, such claim was a pure fabrication, without any foundation in the law of the State of Israel. It also has no foundation even in the law of the United States. United States banks are not required to enforce the filing of United States Form 1040 by their clients. On the other hand, United States banks are required by United States law to provide their clients with United States IRS Form 1099-INT at the end of the tax year. The United States IRS Form 1099-INT lists all interest income gained by the client during the previous tax year. The banks Form 1099-INT, is the basis for the clients filing of United States IRS Form 1040 Schedule B, relative to interest income. Therefore, to the degree that Bank HaPoalim, LTD, Israel, purports to be a United States Corporation, bound by United State law in the State of Israel, the Bank is in violation of United States law, for failing to provide me, the client, within the time, prescribed by United State law, the data, necessary for the filing of IRS Form 1040. Moreover, during my most recent visit to the Bank, I requested the same Bank officer to provide me a written record, listing any interest income gained in my accounts, held by the Bank, during the tax year 2011. The same Bank officer, refused to provide me with such written record. The officer claimed that Bank HaPoalim, LTD, Israel, prohibited the bank employees from providing the clients such information in a written record. She was only willing to vaguely read such information to me from her terminal screen. Therefore, I demand that the Bank immediately provide me with a written record, listing all interest gained on my accounts during the tax year 2011. Your immediate attention to this matter is kindly requested.