Digitally signed by

Joseph Zernik DMD PhD

Joseph Zernik
DN: cn=Joseph Zernik,
o, ou,
email=jz12345@earthli
nk.net, c=US
Fax: (801) 998-0917 Email: jz12345@earthlink.net; PO Box 526, La Verne, CA 91750 Date: 2010.05.23
10:10:53 +03'00'

08-06-13 USC Credit Union – fax transmission from Loan Department – records that were the
legal foundation for unauthorized transactions in collusion with Atty David Pasternak

The enclosed pages were received by fax from Christine M Schwarz, Vice President
of USC Credit Union, Manager of the Real Estate Lending Department.

These records, a total of 7 including cover sheet, were produced in response to request
that USC CU provide evidence of the legal foundation for transactions that were
executed in Dr Zernik's account without Dr Zernik's authorization and without notice to

Dr Zernik.

Notice that such fax transmission, from the Vice President of the USC CU, came
with no fax header imprint whatsoever. As it turned out later, that was not an
isolated incident, but a routine. USC CU refused to change such custom even after
repeated requests, in disregard of UETA - the Uniform Electronic Transactions Act.

Notice that such records were received from the person directly involved in the
alleged wrongdoing. Dr Zernik requested that such records be produced by a
Custodian of Records. In response, USC CU claimed that it had no Custodian of
Records, moreover, both the CEO and the Counsel for the USC CU were insistent
in their refusal to have a Custodian of Record appointed.

The web page of the California Department of Financial Institutions, the Regulatory
Agency holding authority over USC CU opens with the statement:

“California’s financial institutions are symbols of safety and soundness.”

Department of Financial Institutions

California’s financial institutions are symbols of safety and soundness. Their role in business and industry are important to the economy and to our own personal
well-being. Maintaining the integrity of financial services remains our primary mission as the industry continues to grow.

DFI is responsible for administering state laws regulating: banks, credit unions, industrial banks, trust companies, offices of foreign banks, issuers of travelers
checks and payment instruments (money orders), money transmitters and premium finance companies. The Department also administers the Local Agency
Security Program, which ensures that public deposits in California financial institutions that exceed the federal deposit insurance limit are secured by pledged
assets.

More About DFI .

 Facsimile Transmittal Page

DATE: June 13,2008

TO: Dr. Joseph Zemik

Fax # 801-998-0917

From: Christine M. Schwarz

VPlReal Estate Lending

FAX NO: 213-740 -7047

TEL NO: 213-821-7114 work

Dear Dr. Zemik,

RE: Home Equity Line of Credit secured by the property: 320 S. Peck Drive, Beverly
Hills, CA 90212

1have attached the following documents as you have requested:

• Demand Payoff statement from USCCU c.1alec November 30 ,2007

• Mara Escrow Demand Request
• Copy of cauct:l1ed check showing payoff of Home Equity Line of Credit - loan
paid. in full November 18, 2007
• Evidence of Deed of Trust full reconvey.u::I':"C

Th.ankyou
 CREDIT
UNION
.R..f.~F1CIARYDEMAND November 30, 2007

YOUR ESCROW # 13450o-LC OUR ACCOUNT # 302780

ATTENTION: Liz Cohen FAX: 310-550·7531

We are the legal owner and holder of the Note secured by Deed of Trust dated in the
original amount $100,000 executed by USC Credit Union recorded on Unknown as
document# Unknown Official Records, Los Angeles County.

The principal balance on the loan is: 100,733.52 Interest, thereon, at 7.75% per annum
from November 30, 2007. Loan payoff $101,240.27, good through December 14,
2007. Loan demand and reconveyance fee $75.00, please add to loan payoff.

_x_If checked. this home equity line of credit has been frozen. No further advances
will be granted.

Also note that we are to be at no expense in connection with this transaction.

Original documents will be forwarded to the Trust Deed Co for reconveyance after
:comrie'te payoff has been received.

For questions, verification, or confinnalion of payoff tigures, you MUST contact the Real
Estate Loan Department only at (213) 821-7100 x5.

Send ;layment to: 3720 South Flower Street. CUB 4'h Floor. Los Angeles, CA 90089.
attn: RE. Payoff Dept. Please note: paymellts/funds cannot he wired.

You may waive our interest in any insurance policies at the close of your transaction,
provided that you have met tbe tenns of this demand.

Real Estate Department

 IMKA ~~~KUW COMPANY NO, 062 p, 1/1

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-: S':-'.~5:'.:-'-:.:-0V0I1y- :'-:H1l=~ CA:-' -(31-0)-'-" -7-o4l)-O-'-~-;&,)(-(3-'-0)-5-SOo-m-1
"':0133::-:N=-,::Camdu==-'-=O_::,:, 902=-'-0-' ----

USC Credit union o.te: November 30, 2007

Escrow No: 134SOo-t..C
Est. Closing Dete, De",mber 14, 2007
Fax No,: (lI3) 821-7151

Request fOr () Beneficiary ~\>lrnQn1 or (X) royoft' De"IUnd 512lement on Loan No,
D<lod of TruSl Executed by; Joseph H. Zernl~
Reoorded: In Book: Page: ~l/l'llilrumc:nt No.
MIN !legimUon Numllel':
Current Owner: Joseph H. lemlk
PrQperty known 35: 320 So. Pede Drive, BeVerly HI11S, cs. 90212-'71"
LCgel t)eso'jpoan: Lot lS2. 01 Tract No. 1170, in III. City of ~rIy Hills, (;Ountr of Los Angelas, stall! Of Ulliromla, e5
pet me~ '.LU'ded In IlOOk No. S3, Page(s) No. 94 an.d 95, of Maps, in the Office of the County Recon:!er 01 said
Q)lJnty,

ThIS Offil;e, an entllled person as esat>\V for the current""""" of lho .bovc remenood Pi'Upt'Ity, teqlJ<!$t>l that Y"", as
Ilenelidary of the Deed of Trust referenced abolll', rorward a wnlWl *,tament os Inditlllo!d aDM, as such terms are
doliMil In CllIiFomla C1vn Code section 2943.

In accordance witll CMI Code Sod:Ion 2941. If a BenefiCIary St:ikment i! reque&led, yout WI1I.'!en sl:ltemont must Include
tll. following:

1. The amount 01 the unoald belanC<! of th~ obllgoijon Bowrcd by .uch 0e;I or Trust (Induelrlg, without ~mltlrtion, all
ad""nces and oItI... loans SOOlrM lh~ wh;ll;or <M~c:ed by 0 reoo~ docIJmm: or nOl and whether or not
they hIM! a dl~rent"'n numMr), the In\'O_ "*'
on oudl obilgaUon(,), togllt11!, wlll1 tM wtal amounts, ~ any, of
an overdUe inmllment(s) 01_"" prtnc1~1 or interd:; or botll, ond allY ulilar amountS Winch. upon payment of all
to you, woUld ertltltl the CWO'lr of the ~perty to ~ ~n," 0( such Deed Of fhM.

2. The amount of periodlr 1"')"1100\$, If any, and the dete to whidl tllilV ere JXIld.
3, The dato«) nn WhlCl\ 1M q~lIg~on '" duo in ..mole or III part.
4, The dBte II> whI"h real W\'G ta= ond spedel !l55l!SSIT""'' ' have b~ paid to the extent S\ldl Informadon is known
to you.

0'
5, The .mount ~i23rd ''''UI'ilOO! end/or flooo i'l'>Urlnce In e1T@Ctand IIle ~ ond premium Of such insurance to tho
e>dEnt <uch Infuml*n '" knoWn l<l you.

6- The a'll9unt in on QO;;oun!;, ~ ony, rnailltlllne:l for tile a=U!3ti¢n of funds with whldllll pay taxes and/or i"""""",
prpmilJmlJ.

7. Thto 'l>\Uro and, Ir known, It>!> amounL ur any llddl!lOnaI d'lllrg~, oosts, or expenses paid or IncurTed by ynu Whr",
hove I>«omC • lien on the leal property refmnQlCl 3\1011e wlilcl\, upon payment to you would entlt1. the own., to •
rei.... of ouch IIM(S). •

S. Whell10r 111. obllgatioo oecured by tne mortgage 01 De@d of TImt can or mav be lransfelTOd to. n"", be""",.,..
f>nt chongr;:; or om01dment:> to your J"OSpor1Sll to thIS f~ must be in wrlilng and ~ed ~rtor In '''Y ",11.0<;9 ~
pla.w "POll the InfWnatiOllllU p~. YOUI WII~n mtemont must not: be conditlcned upcn ."Y further oct by you
ond gny .l/d1 ~u· n nll; ...nnot oe honored. Any requirement In your written stotement tlull """,,,I _flrm.tIQll .f
e wri\tcn ,blb; ent l~t bto made prlOllO rellMO:! Upon i1: win not be honorod as eMI Code _ 2M3 '9qIl1.... ~
~t1Xl In ng.
Accountlleg23799S1 Drart.!~2S37 Amo~~tlSl01.422_'5 sequene¢l~000177~'O 0a~e:12/18/2D07 CUI0;322079$57 8ranch:O
WorkTyi:)e: crco

..,
1ruStee ::ierv.lces Inc. Page 1 of2

Search Results
usc Credit Union
Hasmik Baghdsralan

Document Requ&Sl: DEED OF TRUST I FULL RECONVEYANCE

I Print I Search Again I Search Menu I

File Number: L189256G
Employee: Hasmik Baghdsraian
Loan Number: 302780
Date Paid: 12118/2007
Borrower: Joseph H. ZemiK
Date EnteredlReceived: 12119/2007
Date Sent For Recording:
Dale Recorded:
Reconveyance AFN;
e.toJl.erty_~d.d.res_s.
Street: 320 South Peck Drive
City, State, Zip: Beverly Hills, CA 90212-3715
County: LOS ANGELES
.B.orrower'S..f.orwar.di.ng..Addrss.s
Borrowe..: Joseph H. ZemiK
Street: 320 South Peck Drive
City, State, Zip; Beverly Hills, CA 90212-3715
D.eed_Qf_'T:ru.st .ll)fonDatlo.~
original Borrower; JOSEPH H. ZERNIK
Original Trustee: T.D. SERVICE COMPANY
Original Beneficiary: USC CREDIT UNION
Original Loan Amount: 100.000.00
Deed Of Trust Dated: 1012012003
Deed OfTrust Recorded: 11/2112003
Auditor's File Number: 033519524
BooklReelNol; 83
Page: 94 & 95
Re·~cording Date:
Re-recordlng AFN:
Re-~corded Book/RaelNol:
Re·recorded Page:
Tax 10 Number:

ILOT 252 OF TRACT 7710, IN THE COUNTY OF BEVERLY HILLS, COUNTY

 Page 2 of2

IOF LOS ANGELES, STATE OF CALIFORNIA. AS PER MAP RECORDED

liN BOOK 83 PAGES 94 AND 95 OF MAPS, IN THE OFFICE OF THE
ICOUNTY RECORDER OF SAID COUNTY
~~~~~iiiiii!!!!!i~~~~~
 12117/2007
usc CREDIT liMON
AlIn: PAYOfF 42937
3720 SOL'TII Fl.OW£RST.,.olTH FLR
LOS ANGELES, CA 90089·
Description Amount Dc9:.':l;I",>U:.:-O=ll'-- _ ~unt

Ii RECO!\FEE
PAYOFF TO 12'14 -l
I
IOI.240.27!i
75_00 ;i
IINTEREST 12i14!2007lhru 1211812007 I

I 107.481'

11
;;

I!
;1
~ I
, I:ile Num'ber. 80701421· 71 Ref: 3(12780 IL------
\!
Total: 101 "22.d

ft>· i2'\~\ ~ I
SAMAAN, !'IIVIE
ZERNIK. JOSEI'll