Annuitants Federal Bank Division of BoFI Federal Bank

Dear Mr***:We are in receipt of your December 6, 2014letter to the Revdex.comI apologize forany distress that you may have experienced during the course of your transaction with BoflFederal Bank ("Bofl")Thank you for bringing this matter to our attentionIt is our goal toprovide a superior banking experience to each of our customersOur process improvement teamwill conduct a detailed examination of your transaction in order to determine whether divisionwideprocess improvements are warrantedIf so, these will be implemented with all due speedand diligence.In reviewing your file I have identified what I believe to be the misunderstanding that is at theroot of your complaintAs you are aware, the Structured Settlement Payment PurchaseAgreement (the "Agreement") entered into on June 7, between you and Bofl, provides thatyou sell a portion of your structured settlement payments (the "Assigned Payments") to Bofl inexchange for a purchase price of $19,(the "Purchase Price")Because the scheduling ofcourt hearings is in control of the court, and not in your control or that of Bofl, the Agreementsets forth a procedure for crediting the amount of any Assigned Payment that you might receiveprior to funding against the Purchase Price otherwise due at fundingThis procedure is found inSection of the Agreement, which provides in part that "Seller acknowledges and agrees thatthe Purchase Price may be adjusted, if necessary, by subtracting an amount equal to the sum of(a) all Assigned Payments received by Seller after the date of this Agreement and prior to theClosing."With respect to your transaction, the Agreement contemplates that you sell to Bofl partialmonthly payments in the amount of$commencing with the payment due on April 1,Due to delays that were beyond either party's control, your transaction did not fund untilAugust 15, As a result, you received five of the Assigned Payments, totaling $3,520.60prior to the date of fundingConsequently, and in strict compliance with Section of theAgreement, Bofl credited $,against the $19,due to you at closing to reach thedisbursement amount of$15,479.40.To reiterate, the amount of $15,that you received at funding represents the differencebetween the original Purchase Price and the Assigned Payments you received prior to funding,and not a reduction in the Purchase PriceAdditionally, you received a $,funding bonusupon closing, bringing the total disbursement to $16,979.40.If you have any questions, please contact me directly at ###-###-####, ext1516, or by email at [redacted] @bofifederalbank.com.Sincerely, [redacted] ***Assistant General Counsel

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted] ***

Dear [redacted] *** We are in receipt of the customer complaint submitted by [redacted] ***, dated March 21, 2016, regarding alleged advertising issuesPlease be advised that we have placed Ms [redacted] on our Internal Do Not Call listShe will no longer receive solicitations from Annuitants Federal Bank, a division of Bofi Federal BankWe apologize for any inconvenience Ms [redacted] experienced as a result of the contact, If you have any questions, please contact me directly at [redacted] , ext***, or by email at [redacted] Thank youSincerely, [redacted] Assistant General Counsel

[redacted] Dear Mr [redacted] : The above-captioned complaint that you filed with the RevDex.com was referred to me for responsePlease be assured that we have removed you from our active contact database, and that you will not receive an future solicitations from usIt is our policy to always respect a potential customer’s wishes to be placed on a “do not call/do not mail” statusUpon investigation, I discovered that you were already on our “do not mail” list, but you did not appear on the "do not call" list until now Please feel free to contact me directly if you have any questions [redacted] [redacted] [redacted] BofI Federal Bank [redacted] (direct) [redacted] (mobile) [redacted] (fax) [redacted] *DC Bar Only/CA Registered In-House Counsel

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved As long as there is no verbal or written contact Regards, [redacted]

Dear Mr***:
We are in receipt of your December 6, 2014letter to the Revdex.comI apologize forany distress that you may have experienced during the course of your transaction with BoflFederal Bank ("Bofl")Thank you for bringing this matter to our attentionIt is
our goal toprovide a superior banking experience to each of our customersOur process improvement teamwill conduct a detailed examination of your transaction in order to determine whether divisionwideprocess improvements are warrantedIf so, these will be implemented with all due speedand diligence.In reviewing your file I have identified what I believe to be the misunderstanding that is at theroot of your complaintAs you are aware, the Structured Settlement Payment PurchaseAgreement (the "Agreement") entered into on June 7, between you and Bofl, provides thatyou sell a portion of your structured settlement payments (the "Assigned Payments") to Bofl inexchange for a purchase price of $19,(the "Purchase Price")Because the scheduling ofcourt hearings is in control of the court, and not in your control or that of Bofl, the Agreementsets forth a procedure for crediting the amount of any Assigned Payment that you might receiveprior to funding against the Purchase Price otherwise due at fundingThis procedure is found inSection of the Agreement, which provides in part that "Seller acknowledges and agrees thatthe Purchase Price may be adjusted, if necessary, by subtracting an amount equal to the sum of(a) all Assigned Payments received by Seller after the date of this Agreement and prior to theClosing."
With respect to your transaction, the Agreement contemplates that you sell to Bofl partialmonthly payments in the amount of$commencing with the payment due on April 1,Due to delays that were beyond either party's control, your transaction did not fund untilAugust 15, As a result, you received five of the Assigned Payments, totaling $3,520.60prior to the date of fundingConsequently, and in strict compliance with Section of theAgreement, Bofl credited $,against the $19,due to you at closing to reach thedisbursement amount of$15,To reiterate, the amount of $15,that you received at funding represents the differencebetween the original Purchase Price and the Assigned Payments you received prior to funding,and not a reduction in the Purchase PriceAdditionally, you received a $,funding bonusupon closing, bringing the total disbursement to $16,If you have any questions, please contact me directly at ###-###-####, ext1516, or by email at***@bofifederalbank.comSincerely,
*** ***
Assistant General Counsel

*** * ***
*** *** *** **
*** *** * ** ***
size="3">
Dear Mr***:
The above-captioned complaint that you filed with the RevDex.com was referred to me for responsePlease be assured that we have
removed you from our active contact database, and that you will not receive an
future solicitations from usIt is our policy to always respect a potential
customer’s wishes to be placed on a “do not call/do not mail” statusUpon
investigation, I discovered that you were already on our “do not mail” list,
but you did not appear on the "do not call" list until now
Please feel free to contact me directly if you have any questions
*** ***
*** ***
*** *** ***
*** *** *** ***
BofI Federal Bank
*** ** *** *** ***
*** ***
*** *** ** ***
*** *** (direct)
*** *** (mobile)
*** *** (fax)
***
*DC Bar Only/CA
Registered In-House Counsel

Dear *** ***:
5pt; text-align: justify;">We are in receipt of the customer complaint submitted by *** ***, dated March 17, 2016, regarding alleged advertising issuesPlease be advised that we have placed *** *** and *** *** on our Internal Do Not Call listShe will no longer receive solicitations from Annuitants Federal Bank, a division of Bofi Federal BankWe apologize for any inconvenience Ms*** experienced as a result of the ContactIf you have any questions, please contact me directly at *** ***, ext, ***, or by email at ***Thank youSincerely,
*** ***
Assistant General Counsel

Dear Mr***:We are in receipt your March 15, letter to the Revdex.com regarding the transfer of certain of your *** Lottery prize payments to BofI Federal Bank (“Bofl”)I apologize for any distress that you may have experienced during the course of your transaction
with BofIIt is our goal to provide a superior banking experience to each of our customersOur process improvement team will conduct a detailed examination of your transaction to determine whether division-wide process improvements are warrantedIf so, these will be implemented with all due speed and diligence.In reviewing your file, I have identified what I believe to be the misunderstanding that is at the root of your complaintAs you are aware, the Lottery Payment Assignment Agreement (the “Agreement”) entered into on December 12, 2015, between you and BofI provides that you sell a portion of your lottery prize payments (the “Assigned Payments”) to BofI in exchange for a purchase price of $535,(the “Purchase Price”)In light of applicable law relating to the priority of judgments, liens and other outstanding debts, including child support arrearages, the Agreement sets forth a procedure for adjusting the Purchase Price in the event that any charges, judgments, liens or other claims affecting the Assigned Payments arise prior to completion of the transferThis procedure is found in Section of the Agreement, which provides, in pertinent part, that “Lottery Winner agrees that any disbursements required for these satisfactions shall be paid from the proceeds of the assignment contemplated by this Agreement prior to any disbursement to Lottery Winner.” With respect to your transaction, it appears as though significant tax liabilities and child support and alimony arrearages, though known to you, only became known sometime after we entered into the AgreementConsequently, and in strict compliance with Section of the Agreement, BofI has worked diligently to determine the amounts that would need to be paid from the proceeds of the assignment prior to disbursement so that Bofl may have unencumbered title to the Assigned Payments as required under the AgreementAdditionally, BofI recently discovered a Joint Stipulation of Judgment on Modification that you entered into with your ex-wife in the Trial Court in ***, which appears to affect BofI's transaction with you and requires further investigationBofI has kept you apprised of these issues as we have become aware of them and has been transparent throughout the transaction.In accordance with applicable *** law, and pursuant to Section of the Agreement, you had the right to cancel the assignment “not later than ten (10) business days” after the Agreement was signedThe Agreement was executed on December 12, and thus the statutory cancellation period expired no later than December 23, You did not cancel the assignmentAs such, you have no right of cancellation at this pointMoreover, based on our most recent discussions with you, and notwithstanding your Revdex.com complaint, it is our understanding that you wish to proceed with our transactionPlease rest assured that we will continue to process what is a very complicated transaction in as efficient a manner as possible, and keep you apprised of developments as they occurAs a reminder, in order to complete the transaction, a petition will be filed seeking approval of the transfer from the *** County Superior Court to *** County, Family and Probate CourtYou will be served with a copy of this petition and will have to appear in Court before the Judge will approve the transfer, so you need not worry that the deal will or could be completed without your knowledgeWe are hopeful to complete the transaction to your satisfaction in the near futureIf you have any questions anytime throughout the process, please contact me directly at *** ***, ext***, or by email at ***Thank you.Sincerely,*** *** Assistant General Counsel

Dear *** ***:We are in receipt of the customer complaint submitted by *** ** ***, dated March 21, 2016, regarding alleged advertising issuesPlease be advised that we have placed Ms*** on our Internal Do Not Call listShe will no longer receive solicitations from Annuitants
Federal Bank, a division of Bofi Federal BankWe apologize for any inconvenience Ms*** experienced as a result of the contact,If you have any questions, please contact me directly at *** ***, ext***, or by email at ***Thank you.Sincerely,*** *** Assistant General Counsel

Revdex.com:
While I appreciate that the business apologized, I find it disturbing that they were correcting verbiage that was reported to me by my father, and stating that no interpretation of urgency could be construed The only way that this could reasonably be reviewed is if the call was recorded Florida is a two-party consent state for the purposes of recording a phone conversation My father has no recollection that such a disclosure was made to him To close this matter completely, I'd like to request an audio copy of the entire call that they claim was used to correct the language, including the disclaimer that the call was being recorded and the statement that the matter was "nothing urgent" That call should also provide evidence that they did or did not mentioned any of my personal identifying information If no recording exists, then it seems ludicrous to correct or reject the verbiage in my complaint Once I receive this information, I will consider this matter closed in a matter that is satisfactory to me If not, there will be lingering questions as to the appropriateness of the content of the call and the nature of the recording, if it exists
Regards,
*** ***

Dear *** ***:We are in receipt of the customer complaint submitted by *** ***, dated March 17, 2016, regarding alleged advertising issuesPlease be advised that we have placed *** *** and *** *** on our Internal Do Not Call listShe will no longer receive
solicitations from Annuitants Federal Bank, a division of Bofi Federal BankWe apologize for any inconvenience Ms*** experienced as a result of the Contact.If you have any questions, please contact me directly at *** ***, ext, ***, or by email at ***Thank you.Sincerely,*** *** Assistant General Counsel

[redacted]
[redacted]
[redacted]
 
Dear Mr. [redacted]:
 
The above-captioned complaint that you filed with the RevDex.com was referred to me for response. Please be assured that we have
removed you from our active contact...

database, and that you will not receive an
future solicitations from us. It is our policy to always respect a potential
customer’s wishes to be placed on a “do not call/do not mail” status. Upon
investigation, I discovered that you were already on our “do not mail” list,
but you did not appear on the "do not call" list until now.
Please feel free to contact me directly if you have any questions.   
 
[redacted]
 
[redacted] 
   [redacted]
BofI Federal Bank
[redacted] (direct)
[redacted] (mobile)
[redacted] (fax)
[redacted]
 
*DC Bar Only/CA
Registered In-House Counsel

Dear [redacted]:
5pt; text-align: justify;">We are in receipt of the customer complaint submitted by [redacted], dated March 21, 2016, regarding alleged advertising issues. Please be advised that we have placed Ms. [redacted] on our Internal Do Not Call list. She will no longer receive solicitations from Annuitants Federal Bank, a division of Bofi Federal Bank. We apologize for any inconvenience Ms. [redacted] experienced as a result of the contact,
If you have any questions, please contact me directly at [redacted], ext. [redacted], or by email at [redacted]. Thank you.
Sincerely,
[redacted]
Assistant General Counsel

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

July 29,2014
[redacted]
Revdex.com
4747 Viewridge Ave. Suite 200
San Diego, CA 92123
Via Revdex.com Online Portal
Re: Revdex.com complaint ID No. [redacted]
Dear Ms. [redacted]:
Please allow...

this letter to serve as the formal response of Bofl Federal Bank (the "Bank") to the above-referenced complaint (the "Complaint"). The Complaint was submitted by [redacted] [redacted] with respect to Annuitants Federal Bank, a division of the Bank. on July 17, 2014.
As the oldest branchless bank in the country, the Bank is proud of its long record of exemplary customer service, including, for example, having received the coveted ··Top Service Provider Award" from Costco. I thoroughly investigated the matters raised in the Complaint, and can assure you without reservation that no one at the Bank intended to cause Mr. [redacted] or his father any distress. However, I do apologize on behalf of the Bank if, despite our best intentions, anything said by our representative may have frightened Mr. [redacted]'s father.
For the record, at no time during the call with Mr. [redacted]s father did our representative indicate that the call was in regard to an "urgent banking matter," or state anything that could reasonably be construed as such. In fact, the evidence establishes that the Bank's representative told Mr. [redacted]'s father that his call was "nothing se rious." Moreover. while I understand that Mr. [redacted] may generally feel that his privacy was invaded by the fact that we contacted him. no personally identifiable or confidential information was released to his father.
I note in closing that Mr. [redacted] did not request that any specific action be taken on our part. However, I do want him to be aware that we took his complaint seriously, and that it has served as the basis for providing additional training to our customer service representatives regarding the unintended perceptions that may arise from the things they say. We believe that this will prevent similar situations from arising in the future, and thank him for bringing this matter to our attention.
Please do not hesitate to contact me if you or Mr. [redacted] should have any questions or concerns, or desire to discuss this matter in further detail.
Sincerely,
[redacted]
EVP/ Chief Legal Officer

Dear Mr. [redacted]:We are in receipt of your December 6, 2014letter to the Revdex.com. I apologize forany distress that you may have experienced during the course of your transaction with BoflFederal Bank ("Bofl"). Thank you for bringing this matter to our attention. It is our goal toprovide...

a superior banking experience to each of our customers. Our process improvement teamwill conduct a detailed examination of your transaction in order to determine whether divisionwideprocess improvements are warranted. If so, these will be implemented with all due speedand diligence.In reviewing your file I have identified what I believe to be the misunderstanding that is at theroot of your complaint. As you are aware, the Structured Settlement Payment PurchaseAgreement (the "Agreement") entered into on June 7, 2014 between you and Bofl, provides thatyou sell a portion of your structured settlement payments (the "Assigned Payments") to Bofl inexchange for a purchase price of $19,000.00 (the "Purchase Price"). Because the scheduling ofcourt hearings is in control of the court, and not in your control or that of Bofl, the Agreementsets forth a procedure for crediting the amount of any Assigned Payment that you might receiveprior to funding against the Purchase Price otherwise due at funding. This procedure is found inSection 13 of the Agreement, which provides in part that "Seller acknowledges and agrees thatthe Purchase Price may be adjusted, if necessary, by subtracting an amount equal to the sum of(a) all Assigned Payments received by Seller after the date of this Agreement and prior to theClosing."With respect to your transaction, the Agreement contemplates that you sell to Bofl partialmonthly payments in the amount of$704.12 commencing with the payment due on April 1,2014. Due to delays that were beyond either party's control, your transaction did not fund untilAugust 15, 2014. As a result, you received five of the Assigned Payments, totaling $3,520.60prior to the date of funding. Consequently, and in strict compliance with Section 13 of theAgreement, Bofl credited $3 ,520.60 against the $19,000.00 due to you at closing to reach thedisbursement amount of$15,479.40.To reiterate, the amount of $15,4 79.40 that you received at funding represents the differencebetween the original Purchase Price and the Assigned Payments you received prior to funding,and not a reduction in the Purchase Price. Additionally, you received a $1 ,500.00 funding bonusupon closing, bringing the total disbursement to $16,979.40.If you have any questions, please contact me directly at ###-###-####, ext. 1516, or by email at[redacted]@bofifederalbank.com.Sincerely,[redacted]Assistant General Counsel

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.  As long as there is no verbal or written contact .
Regards,
[redacted]

Dear Mr. [redacted]:
text-align: justify;">We are in receipt your March 15, 2016 letter to the Revdex.com regarding the transfer of certain of your [redacted] Lottery prize payments to BofI Federal Bank (“Bofl”). I apologize for any distress that you may have experienced during the course of your transaction with BofI. It is our goal to provide a superior banking experience to each of our customers. Our process improvement team will conduct a detailed examination of your transaction to determine whether division-wide process improvements are warranted. If so, these will be implemented with all due speed and diligence.
In reviewing your file, I have identified what I believe to be the misunderstanding that is at the root of your complaint. As you are aware, the Lottery Payment Assignment Agreement (the “Agreement”) entered into on December 12, 2015, between you and BofI provides that you sell a portion of your lottery prize payments (the “Assigned Payments”) to BofI in exchange for a purchase price of $535,000.00 (the “Purchase Price”). In light of applicable law relating to the priority of judgments, liens and other outstanding debts, including child support arrearages, the Agreement sets forth a procedure for adjusting the Purchase Price in the event that any charges, judgments, liens or other claims affecting the Assigned Payments arise prior to completion of the transfer. This procedure is found in Section 13 of the Agreement, which provides, in pertinent part, that “Lottery Winner agrees that any disbursements required for these satisfactions shall be paid from the proceeds of the assignment contemplated by this Agreement prior to any disbursement to Lottery Winner.” With respect to your transaction, it appears as though significant tax liabilities and child support and alimony arrearages, though known to you, only became known sometime after we entered into the Agreement. Consequently, and in strict compliance with Section 13 of the Agreement, BofI has worked diligently to determine the amounts that would need to be paid from the proceeds of the assignment prior to disbursement so that Bofl may have unencumbered title to the Assigned Payments as required under the Agreement. Additionally, BofI recently discovered a Joint Stipulation of Judgment on Modification that you entered into with your ex-wife in the Trial Court in [redacted], which appears to affect BofI's transaction with you and requires further investigation. BofI has kept you apprised of these issues as we have become aware of them and has been transparent throughout the transaction.
In accordance with applicable [redacted] law, and pursuant to Section 18 of the Agreement, you had the right to cancel the assignment “not later than ten (10) business days” after the Agreement was signed. The Agreement was executed on December 12, 2015 and thus the statutory cancellation period expired no later than December 23, 2015. You did not cancel the assignment. As such, you have no right of cancellation at this point. Moreover, based on our most recent discussions with you, and notwithstanding your Revdex.com complaint, it is our understanding that you wish to proceed with our transaction. Please rest assured that we will continue to process what is a very complicated transaction in as efficient a manner as possible, and keep you apprised of developments as they occur. As a reminder, in order to complete the transaction, a petition will be filed seeking approval of the transfer from the [redacted] County Superior Court to [redacted] County, Family and Probate Court. You will be served with a copy of this petition and will have to appear in Court before the Judge will approve the transfer, so you need not worry that the deal will or could be completed without your knowledge. We are hopeful to complete the transaction to your satisfaction in the near future. If you have any questions anytime throughout the process, please contact me directly at [redacted], ext. [redacted], or by email at [redacted]. Thank you.
Sincerely,
[redacted]
Assistant General Counsel