Claim Number 55-06c6-44x GUENIOT INAPPROPRIATE RESPONSE 3 AUGUST 27, 2020 12:28am

AUGUST 27,  2020 LOUIS E. GUENIOT TEAM MANAGER GORDON LIU CLAIM SPECIALIST STATE FARM HOME INSURANCE RE: Claim Number 55-06c6-44x        Policy Number 77-C3-B499-7 DATE OF LOSS: April 26, 2020 INAPPROPRIATE RESPONSE 3 Dear Messrs Gueniot and Liu: PLEASE SEE, As Mr. Gueniot responded to email: Claim Number 55-06c6-44x PATTERN of SOWING CONFUSION ON EMAIL RESPONSES DATED AUGUST 26, 2020 5:13am SEE the, INAPPROPRIATE RESPONSE 3 LOUIS E. GUENIOT  INAPPROPRIATE RESPONSE TO  "SOWING CONFUSION ON EMAIL RESPONSES". ALTHOUGH LOUIS RESPONDS, BUT HE IS RESPONDING INAPPROPRIATELY.  THOUGH PAR.1 MENTIONED "SOW CONFUSION" BUT HE JUST DENIED INTENTION TO DO IT BUT THE REMAINING FIVE (5) PARAGRAPHS SHOWED VIVIDLY DELIBERATE AND INTENTIONAL EFFORT TO DO IT AS IN RESPONSE  EMAIL BY LOUIS DOWN NEXT SHOWED TOPICS OUT OF THE SUBJECT BEING DISCUSSED WHICH ADD TO MORE CONFUSION ON OUR PART. FOR YOUR INFORMATION,  I NAMED THIS MISCONDUCT AS INAPPROPRIATE RESPONSE 3.  INAPPROPRIATE RESPONSE 3 Dear Mr. Buensuceso, State Farm is not intending to “sow confusion” on the issues presented.  We have done our best to answer your questions and provide a reasonable explanation for the basis of the denial of the claim based on the policy language. Our position as communicated in our letters dated May 6, 2020, June 12, 2020, July 13, 2020, July 17, 2020 and July 31, 2020 are unchanged.  This claim has been denied as explained in our letters referenced above and the file remains closed.  All conditions previously quoted still apply.  If you believe this claim has been wrongfully denied, you may contact the California Department of Insurance for assistance. We are required by California Insurance Regulations, Section 2695.7(b)(3), to advise you that if you believe this claim, or any part of this claim, has been wrongfully denied or rejected, you may have the matter reviewed by the California Department of Insurance, Claim Service Bureau, 300 South Spring Street, Los Angeles, California 90013, telephone 800 927 4357. The one year “Suit Against Us” time period referred to in the May 6, 2020 letter includes the time period from the date of loss (April 26, 2020) to the date the claim was reported to State Farm (April 29, 2020).  The one year time period was tolled during our investigation of this claim (April 29, 2020) to the date the claim was initially denied (May 6, 2020).  The one year time period was tolled upon receipt of Antonio Buensuceso Jr.’s email dated May 29, 2020 for additional investigation until the date the denial of the claim was confirm in our June 12, 2020 letter.  That one year time period continues to run as of the date of our June 12, 2020 letter.   This company does not intend by this letter to waive any policy defenses or defenses under the law and reserves its right to assert such additional policy defenses or defenses under the law at any time. Sincerely, Louis Louis E Gueniot III Claim Team Manager State Farm General Insurance Company Please acknowledge receipt of this e-mail and kindly inform me when I should expect a reply to this email. Please be reminded that your DENIAL LETTER DATED MAY 6, 2020 was prepared, relayed to us, sent and read by us in just a few minutes. Thank you very much. Yours faithfully, Antonio L. Buensuceso

STATE FARM RESPONSE SOWING CONFUSION ON EMAIL RESPONSES AUGUST 26, 2020 7:55AM INAPPROPRIATE RESPONSE 3

Claim Number 55-06c6-44x PATTERN of SOWING CONFUSION ON EMAIL RESPONSES DATED AUGUST 26, 2020 5:13am LOUIS E. GUENIOT  INAPPROPRIATE RESPONSE TO "SOWING CONFUSION ON EMAIL RESPONSES". ALTHOUGH LOUIS RESPONDS, BUT HE IS RESPONDING INAPPROPRIATELY.  THOUGH PAR.1 MENTIONED "SOW CONFUSION" BUT DENIES INTENTION TO DO IT BUT THE REMAINING FIVE (5) PARAGRAPHS SHOWED VIVIDLY DELIBERATE AND INTENTIONAL EFFORT TO DO IT AS IN LOUIS RESPONSE  EMAIL DOWN NEXT SHOWED TOPICS OUT OF THE SUBJECT BEING DISCUSSED WHICH ADD TO MORE CONFUSION ON OUR PART. FOR YOUR INFORMATION,  I NAMED THIS MISCONDUCT AS INAPPROPRIATE RESPONSE 3.  INAPPROPRIATE RESPONSE 3 Dear Mr. Buensuceso, State Farm is not intending to “sow confusion” on the issues presented.  We have done our best to answer your questions and provide a reasonable explanation for the basis of the denial of the claim based on the policy language. Our position as communicated in our letters dated May 6, 2020, June 12, 2020, July 13, 2020, July 17, 2020 and July 31, 2020 are unchanged.  This claim has been denied as explained in our letters referenced above and the file remains closed.  All conditions previously quoted still apply.  If you believe this claim has been wrongfully denied, you may contact the California Department of Insurance for assistance. We are required by California Insurance Regulations, Section 2695.7(b)(3), to advise you that if you believe this claim, or any part of this claim, has been wrongfully denied or rejected, you may have the matter reviewed by the California Department of Insurance, Claim Service Bureau, 300 South Spring Street, Los Angeles, California 90013, telephone 800 927 4357. The one year “Suit Against Us” time period referred to in the May 6, 2020 letter includes the time period from the date of loss (April 26, 2020) to the date the claim was reported to State Farm (April 29, 2020).  The one year time period was tolled during our investigation of this claim (April 29, 2020) to the date the claim was initially denied (May 6, 2020).  The one year time period was tolled upon receipt of Antonio Buensuceso Jr.’s email dated May 29, 2020 for additional investigation until the date the denial of the claim was confirm in our June 12, 2020 letter.  That one year time period continues to run as of the date of our June 12, 2020 letter.   This company does not intend by this letter to waive any policy defenses or defenses under the law and reserves its right to assert such additional policy defenses or defenses under the law at any time. Sincerely, Louis Louis E Gueniot III Claim Team Manager State Farm General Insurance Company

Claim Number 55-06c6-44x PATTERN of SOWING CONFUSION ON EMAIL RESPONSES DATED AUGUST 26, 2020 5:13am

AUGUST 26,  2020 LOUIS E. GUENIOT TEAM MANAGER GORDON LIU CLAIM SPECIALIST STATE FARM HOME INSURANCE RE: Claim Number 55-06c6-44x        Policy Number 77-C3-B499-7 DATE OF LOSS: April 26, 2020 PATTERN of SOWING CONFUSION ON  EMAIL RESPONSES BY GORDON LIU (GROSSLY RESPONDING ONCE TO SEVERAL EMAILS WITH DIFFERENT SUBJECT MATTER) Dear Messrs Gueniot and Liu: May I most respectfully call your attention: 1.         ON PAR.1 DENIAL LETTER AUGUST 25, 2020 You wrote, "I am writing in response to your seventeen emails received since my last written correspondence which was sent to you via E-mail and US Mail on August 21, 2020.  Your emails have not presented new information with respect to the coverage evaluation." 2.         ON PAR.1 DENIAL LETTER AUGUST 21, 2020 You wrote, " I am writing in response to your fifteen emails received since my last communication to you on August 14, 2020.  " 3.         ON PAR.1 DENIAL LETTER AUGUST 14, 2020 You wrote, "I’m writing in response to your emails received August 3, 2020 at 11:25 PM, August 4, 2020 at 9:09 PM, August 5, 2020 at 2:32 PM, August 5, 2020 at 2:28 PM, August 5, 2020 at 4:40 PM and August 6, 2020 at 10:26 PM. I will do my best to answer questions presented." 4.         ON PAR.1 DENIAL LETTER JULY 17,  2020 You wrote, "This letter is in response to our previous correspondence of July 13, 2020 and your E-Mail to State Farm dated July 14, 2020." 5.        ON PAR.1 THIRD DENIAL LETTER July 13, 2020 You wrote, "This letter is to acknowledge and respond to your E-mails to State Farm on July 2, 2020, the second E-mail of July 2, 2020, your July 4, 2020 E-mail, the two E-mails of July 10, 2020, and your July 13, 2020 E-mail." COMMENTS: This shows State Farm and Gordon Liu BY GROSSLY RESPONDING ONCE TO SEVERAL EMAILS WITH DIFFERENT SUBJECT MATTER constantly in an established pattern  intended to sow confusion on the issues presented. Each email is unique as each of them had its own subject matter that had to be addressed, in particular.  Now, I am confused which one of those paragraphs is an answer to what particular email SUBJECT MATTER. I have been  presenting facts, information and issues  in our negotiation and each one of them distinctly in comprehensive details but  there State Farm and you muddled issues altogether purposely to derail the negotiations as shown above five (5) times in the DENIAL LETTERS  dated August 25, 2020, August 21, 2020, August 14, 2020 July 17, 2020 and July 13, 2020, though I have complained about it in DENIAL LETTER  dated July 13, 2020 but you again,  intentionally, deliberately, maliciously, willfully, wantonly, oppressively, outrageously and effectively denied me the opportunity to read clear messages from you by doing the same "sow confusion" reply strategy against me.  PLEASE ACKNOWLEDGE RECEIPT OF THIS EMAIL AND WRITE YOUR  RESPONSE ACCORDINGLY UNDER THE NAMED SUBJECT . LIKEWISE, PLEASE NOTE THAT YOUR DENIAL LETTER  DATED MAY 6, 2020  WAS PREPARED, WRITTEN, RELAYED TO US  AND SENT BY YOU IN JUST WITHIN  A FEW MINUTES. Thank you very much.  Yours faithfully, Antonio L. Buensuceso

Claim Number 55-06c6-44x STATEMENTS MEANT TO CONFUSE DATED AUGUST 24, 2020

AUGUST 24,  2020 GORDON LIU CLAIM SPECIALIST STATE FARM HOME INSURANCE RE: Claim Number 55-06c6-44x        Policy Number 77-C3-B499-7 DATE OF LOSS: April 26, 2020 STATEMENTS  MEANT TO CONFUSE TO DERAIL THE NEGOTIATION PROCESS Dear Mr. Liu: PLEASE SEE, PAR. 5 DENIAL LETTER dated August 21, 2020  You wrote, " Your demand that the decision by State Farm to deny this claim be reversed is respectfully declined. Our position as communicated in our letters to you dated May 6, 2020, June 12, 2020, July 13, 2020, July 17, 2020 and July 31, 2020 are unchanged. This claim file remains closed. All conditions previously quoted still apply. " You wrote, specifically, "All conditions previously quoted still apply. " COMMENTS : Please be clear. PLEASE EXPLAIN  CLEARLY ,"All conditions previously quoted still apply." YOU HAVE NOT IDENTIFIED AND EXPLAINED AT LEAST EVEN ONE OF THOSE CONDITIONS PREVIOUSLY QUOTED. I AM CONFUSED ON WHAT  MESSAGE THESE STATEMENTS INTENDED TO BE. AS I SEE IT,  THIS IS A PATTERN  OF MERELY SOWING CONFUSION IN OUR NEGOTIATION SINCE MONTHS AGO AND THEY WERE MERELY PLOYED TO DERAIL THE PROCESS TO THE  LEGITIMATE  APPROVAL OF OUR INSURANCE CLAIM AND AVOID QUESTIONS ON YOUR BUSINESS PARTNERSHIP WITH JOHN TITOUAH WHICH WE BOTH NEED TO CLARIFY.  WITH THAT INFORMATION BEING RELAYED TO YOU AND YOU DELIBERATELY, INTENTIONALLY REFUSED TO RESPOND AND COOPERATE, HENCE, MERIT A SEVERE PUNITIVE RETRIBUTION ON YOUR PART. THIS COMPLAINT HAD BEEN PRESENTED TO YOU AS SHOWN IN NEXT BELOW BUT YOU REFUSED TO EXPLAIN AND COOPERATE AND REMAINED STEADFAST IN INTENTIONAL AND DELIBERATE SOWING OF CONFUSION TO DERAIL THE NEGOTIATION PROCESS. I REPEAT,  YOUR EFFORT ARE INTENTIONAL AND DELIBERATE  AND HABITUAL IN SOWING CONFUSION PURPOSELY TO DERAIL OUR NEGOTIATION SUBJECTING US TO UNNECESSARY DELAY.  NEXT : I AM SHOWING BACK TO YOU PAR. 6 DENIAL LETTER dated August 14, 2020  You wrote, " Your demand that the decision by State Farm to deny this claim be reversed is respectfully declined. Our position as communicated in our letters to you dated May 6, 2020, June 12, 2020, July 13, 2020, July 17, 2020 and July 31, 2020 are unchanged. This claim file remains closed. All conditions previously quoted still apply. " You wrote, specifically, "All conditions previously quoted still apply " COMMENTS : Please be clear.  Please  enumerate all those conditions, define and explain each one of them. I am confused with this statement.  That is why I am commenting please be clear and on what you are writing to avoid confusion. Please acknowledge receipt of this e-mail and kindly inform me when I should expect a reply to this email. Please be reminded that your DENIAL LETTER DATED MAY 6, 2020 was prepared, relayed to us, sent and read by us in just a few minutes. Thank you very much. Yours faithfully, Antonio L. Buensuceso

Claim Number 55-06c6-44x HABITUAL, DELIBERATE AND INTENTIONAL SOWING OF CONFUSION DATED AUGUST 23, 2020

AUGUST 23,  2020 GORDON LIU CLAIM SPECIALIST STATE FARM HOME INSURANCE RE: Claim Number 55-06c6-44x        Policy Number 77-C3-B499-7 DATE OF LOSS: April 26, 2020 HABITUAL, DELIBERATE AND INTENTIONAL SOWING OF CONFUSION - POSITIONS UNCHANGED BUT LIU  CHANGED THEM HIMSELF  Dear Mr. Liu: PLEASE SEE, PAR. 5 DENIAL LETTER dated August 21, 2020  You wrote, " Our position as communicated in our letters dated May 6, 2020, June 12, 2020, July 13, 2020, July 17, 2020 and July 31, 2020 are unchanged. There are no negotiations as you suggest. This claim has been denied as explained in our letters referenced above and the claim file remains closed. All conditions previously quoted still apply. " You wrote, specifically, " Our position as communicated in our letters to you dated May 6, 2020, June 12, 2020, July 13, 2020, July 17, 2020 and July 31, 2020 are unchanged.  " PAR. 5 DENIAL LETTER dated August 14, 2020  You wrote, " Your demand that the decision by State Farm to deny this claim be reversed is respectfully declined. Our position as communicated in our letters to you dated May 6, 2020, June 12, 2020, July 13, 2020, July 17, 2020 and July 31, 2020 are unchanged. This claim file remains closed. All conditions previously quoted still apply. " You wrote, specifically, " Our position as communicated in our letters to you dated May 6, 2020, June 12, 2020, July 13, 2020, July 17, 2020 and July 31, 2020 are unchanged.  " COMMENTS : Please be clear. State what position exactly you are referring to. It is confusing for me to understand what message you want to deliver.  What position are you writing that are unchanged. Write them down clearly and straight forward.  In fact, the record of our communications showed you had changed your position, see  your denial letters dated May 6, 2020  and June 12, 2020 in particular carried with it messages pertaining to written report by John Titouah submitted to you, but in denial letter dated July 31, 2020 you denied existence of Titouah's written report but only verbal conversation. That is why I am commenting please be clear and on what you are writing to avoid confusion. NOW PLEASE CHOOSE AMONG THE DENIAL LETTERS OF   May 6, 2020, June 12, 2020, July 13, 2020, July 17, 2020 and July 31, 2020 YOU WANT TO RE WRITE TO DELIVER YOUR MESSAGE CLEARLY REFLECTING CHANGES YOU WANTED TO PURSUE. Please acknowledge receipt of this e-mail and kindly inform me when I should expect a reply to this email. Please be reminded that your DENIAL LETTER DATED MAY 6, 2020 was prepared, relayed to us, sent and read by us in just a few minutes. Thank you very much. Yours faithfully, Antonio L. Buensuceso

Claim Number 55-06c6-44x CONTINUING INQUIRY-EMAILS WITH ALLEGATIONS OF MISCONDUCT BY TITOUAH

AUGUST 23,  2020 GORDON LIU CLAIM SPECIALIST STATE FARM HOME INSURANCE RE: Claim Number 55-06c6-44x        Policy Number 77-C3-B499-7 DATE OF LOSS: April 26, 2020 CONTINUING INQUIRY-EMAILS WITH ALLEGATIONS OF MISCONDUCT BY TITOUAH BE IDENTIFIED AND CLASSIFIED AS EMAILS GORDON LIU WILL NOT RESPOND TO Dear Mr. Liu: PLEASE SEE, PAR. 4 DENIAL LETTER dated August 21, 2020  You wrote,  " State Farm has previously responded to your emails that contained allegations of misconduct by me and State Farm. All such contentions are denied. We handle each claim on its own merits. State Farm and I have complied with the implied covenant of good faith and fair dealing in the investigation and handling of your claim." You wrote, specifically, "State Farm has previously responded to your emails that contained allegations of misconduct by me and State Farm." NOW WRITE TO ME EMAILS THAT CONTAINED ALLEGATIONS OF MISCONDUCT BY STATE  FARM AND YOU AND YOUR CORRESPONDING EMAIL RESPONSE TO EACH ONE OF THEM. FAILURE ON YOUR PART TO SHOW AND NAME AND IDENTIFY EMAILS THAT CONTAINED ALLEGATIONS OF MISCONDUCT BY STATE FARM AND YOU AND YOUR CORRESPONDING RESPONSE TO EACH ONE OF THEM DEFEATS CREDIBILITY OF YOUR STATEMENT, "State Farm has previously responded to your emails that contained allegations of misconduct by me and State Farm."  WHICH MAKES THIS STATEMENT UNTRUE AND APPEARS TO BE A CLEAR MANIFESTATION  OF HABITUAL CHEATING AND MISREPRESENTATION  NOW IN CLOSER ANALYSIS OF YOUR STATEMENT  "  State Farm has previously responded to your emails that contained allegations of misconduct by me and State Farm."  FROM PAR. 4 OF AUGUST 21, 2020 AND COMPARE TO THIS STATEMENT FROM PAR. 5 DENIAL LETTER OF AUGUST 14, 2020 " Your email contains allegations of misconduct by John Titouah. State Farm will not respond to your allegations against John Titouah." IN THE FORMER STATEMENT YOU WROTE , " State Farm has previously responded to your emails..... " IN THE LATTER STATEMENT YOU WROTE,  " State Farm will not respond....  " HONESTLY, I AM CONFUSED ON WHAT POSITION YOU WOULD WANT TO ANCHOR YOUR ARGUMENT INTO.  HAS STATE FARM REALLY RESPONDED  OR STATE FARM WILL NOT RESPOND?  THIS IS LYING, IN EITHER CASE, ABSOLUTELY. BESIDES, YOU ARE INDEED SOWING TORTIOUS CONFUSION ON YOUR STATEMENTS. SO MY PLEA IS, SPARE ME OUT OF THESE SUFFERINGS YOU INTENTIONALLY AND DELIBERATELY SUBJECTING ME. MAY I PRESENT TO YOU AGAIN  THE ORIGIN OF OUR NEGOTIATION AND/OR DISCUSSION ABOVE : PAR. 5 DENIAL LETTER dated August 14, 2020  You wrote, " Your email contains allegations of misconduct by John Titouah. State Farm will not respond to your allegations against John Titouah. However, to the extent you allege State Farm is a party to a crime you allege was committed by John Titouah, State Farm denies that contention. " COMMENTS : Please indicate what particular email or emails you are referring to as to allegations of misconduct by John Titouah. I might be thinking and discussing  emails  which are entirely different from what you have in mind. So, kindly identify those emails and corresponding subject matters containing allegations of misconduct by John Titouah which as you wrote you will not respond to. Please write all of them down and send it to me and note that those emails contained John Titouah's misconduct which you unequivocally  declared, will not respond to. We must endeavor to make our positions clear to avoid confusion. Please acknowledge receipt of this e-mail and kindly inform me when I should expect a reply to this email. Please be reminded that your DENIAL LETTER DATED MAY 6, 2020 was prepared, relayed to us, sent and read by us in just a few minutes. Thank you very much. Yours faithfully, Antonio L. Buensuceso