Digitally signed by Joseph Zernik

DN: cn=Joseph Zernik,

email=jz12345@earthlink.net,
c=US
Date: 2008.09.13 01:29:14 -07'00'

August 12, 2008

Joseph Zernik DMD PhD
2415 Saint George St.
Los Feliz, CA 90027

Dear Mr. Zernik,

Enclosed is our professional opinion concerning the dates of the documents that you
furnished to us.

We are including a copy of the submitted documents, together with the professional
opinions of Robert Meister and Scott Meister.
Additionally, we are including the CV from each of us.
We appreciate this opportunity to perform our analysis and provide you with our written
opinion.
If you should have any further questions or concerns, please do not hesitate to call me at,
,
(317) 443 -1616

Sincerely,

Robert Meister, FDE

Enclosures
 Robert A. Meister
Certified Document Examiner
120 No Mill Creek Road, Nob1esville, IN 46062
Office: 317.770.1000 * Fax: 800.786.2629

Email:experts@forgeryfinders.com
WWW.J:OtggtyJ:indgt!:.com
Questioned Document Examiner Letter
Questioned Date on Underwriting Letter
Date: August 12, 2008
I have examined four (4) submitted documents. One set of documents titled, "America's
Wholesale Lender" contains two pages labeled JZ1-A and JZ1-B. Another set of documents was
also submitted titled, "America's Wpolesale Lender", containing two pages labeled JZ2-A and
JZ2-B. These two sets of documents were used to determine the date that the document was
printed and then faxed.
Today I have compared the information on the documents referenced above to determine the date
of origination and the date of faxing.
The origination date and time stamps on the JZ1-A and JZ2-A documents shows that the date is
"10/26/2004 10:44:51" for page 1. Using JZ-1B and JZ2-B documents the date for page 2 is
"10/26/2004 10:44:52".

The time imprint at the top of JZ2-A is "(TUE) OCT 26 2004 10:54" for page 1 and using JZ2-B
the time imprint at the top is "(TUE) OCT 26 2004 10:54" for page 2. It is customary for fax
machines to print the date and time received at this location, using the date and time set on the
fax machine of the receiver.
Based upon thorough analysis of these items, and from an application of accepted forensic
document examination tools, principles and techniques, it is my professional expert opinion that
October 26, 2004 was the date that the underwriting document was originated and faxed.
I am willing to testify to this opinion in a court of law.
Respectfully submitted,

,
.-.

SWORN BEFORE ME on this 1ih day of August, 2008 '"'

Robert A. Meister did appear before me. ..:" ,.., ~.: "...
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STATE OF INDIANA

COUNTY OF HAMILTON Ivrr I , Il/-."VVV ~I ~v, 0"

mary Public - 'State ofIndCina ,.

My Commission Expire's /0, I tJ':;;}qf2
 Scott Meister
Forensic Document Examiner
Forensic Document Examiners, LLC
120 N. Mill Creek Rd
Noblesville, IN 46062
Phone: (317) 441-4845 Fax: (317) 770-7788
www.forgeryfinders.com

Forensic Examination Provided For:

Includes but not limited to disputed documents or signatures, including wills, checks,
contracts, deeds, account ledgers, medical records, and autograph authentication.

Education

Bachelor of Science in Business Administration, May 2000

Masters of Science in Accounting, July 2001

Training and Apprenticeship

School of Forensic Document Examination

Training completed between 10/2004 – 10/2006
Certification as a Forensic Document Examiner, 10/2006
Analyzed Documents from over 63 Cases in 23 States
Instructor for Handwriting University’s School of Forensic Document Examination
2006-2007

American Institute of Applied Science

Certification in Questioned Documents, 9/2005

Specific Areas of Training:

Handwriting Identification and Discrimination

Signature Comparison
Techniques for Distinguishing Forged Signatures
Disguised Handwriting
Altered Numbers
Anonymous Writing
Laboratory Procedures
Ethics in Business and the Legal System
Laboratory Equipment used for examination:

Computer
Adobe Photoshop
Photocopier
Scanner
Magnifying devices
Stereo Microscope 5x-30x, with Digital Output Camera

Library

Handwriting Identification: Facts and Fundamentals, Roy Huber, 1999

Document Examiner Textbook, Jess E. Dines, 1998
Between the Lines, Reed Hayes, 1993
Dishonesty in Handwriting, Andrea McNichol, 1993
Red Flags on Forged Checks, Joe Lucas, 1995
Written In Crime, Reed Hayes,

Conferences Attended

2006 Document Examination Training Conference

Dallas, Texas

2005 Document Examination Training Conference

Dallas, Texas

2004 Document Examination Training Conference

Dallas, Texas

Publications

“The Concise Technique for Forgery Detection”,

Co-Authored Robert & Scott Meister
“Use of PowerPoint in Determining Document Authenticity”
Co-Authored Robert & Scott Meister
“Advanced Computerized Techniques in Exhibit Preparation”
PC Video Presentation + Paper
Co-Authored Robert & Scott Meister
 Robert A. Meister
Forensic Document Examiner
Forgery Finders, LLC
120 N. Mill Creek Road
Noblesville, In 46062
Phone: (317) 770-1000 Fax: (800) 786-2629

Forensic Examination Provided For:

Disputed documents or signatures, including wills, checks, contracts, deeds, account

ledgers, medical records, and autograph authentication.

Education

BS Civil Engineering, Bradley University, 1968

MS Engineering Administration, Bradley University, 1975
Certificate in Electronics, DeVry Institute, 1972

Training and Apprenticeship

School of Forensic Document Examination

Training Completed between 10/2004 - 10/2006
Certification as a Forensic Document Examiner, 10/2006
Analyzed Documents from over 70 Cases in 28 States, Canada and D.C.
Instructor for Handwriting University’s School of Forensic Document Examination,
2006 - 2007

American Institute of Applied Science

Certification in Questioned Documents, 9/2005

Specific Areas of Training:

Handwriting Identification and Discrimination

Signature Comparison
Techniques for Distinguishing Forged Signatures
Disguised Handwriting
Altered Numbers
Anonymous Writing
Laboratory Procedures
Ethics in Business and the Legal System
Robert A. Meister, FDE Page 2

Laboratory Equipment used for examination:

Precision Nikon Digital Camera

Precision Flat Bed Optical Document Scanner
AmScope Stereo Microscope ST60 5x-30x, with Digital Output Camera
Assorted lighting devices and measuring scales and rulers

Library

Handwriting Identification: Facts and Fundamentals, Roy Huber, 1999

Document Examiner Textbook, Jess E. Dines, 1998
Between the Lines, Reed Hayes, 1993
Dishonesty in Handwriting, Andrea McNichol, 1993
Scientific Examination of Questioned Documents, Ordway Hilton, 1993
Red Flags on Forged Checks, Joe Lucas, 1995
Written In Crime, Reed Hayes
Forensic Handwriting Examination, Reed Hayes 2006
Attorney’s Guide to Document Examination, Katherine Koppenhaver, 2002
Document Examination manuals from American Institute of Applied Science
Black’s Law Dictionary
Barron’s Law Dictionary

Conferences Attended & Presenter

2005 Document Examination Training Conference.

2006 Document Examination Training Conference
Dallas, Texas

Publications

“The Concise Technique for Forgery Detection”,

Co-Authored Robert & Scott Meister
”Use of PowerPoint in Determining Document Authenticity”
Co-Authored Robert & Scott Meister
”Advanced Computerized Techniques in Exhibit Preparation”
PC Video Presentation + Paper
Co-Authored Robert & Scott Meister

Professional Affiliations

Registered Professional Engineer, Illinois and Indiana

JZ1-A
JZ1-B
JZ2-A
JZ2-B