Claim Number 55-06c6-44x INAPPROPRIATE RESPONSE 46 DATED 14OCT20 12:17AM

OCTOBER 14,  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 STATE FARM INAPPROPRIATE RESPONSE 46 DATED 13OCT20 6:29AM INAPPROPRIATE RESPONSE 46 REPEATED MISCONDUCTS FROM INAPPROPRIATE RESPONSES MULTIPLE MISCONDUCTS  1 TO 8 AND 9/10/11/12/13 AND 14 AND 15/16/17/18/19/20/21/22/23/24/25/26/27/28/29/30/31/32/33/34/35/36 AND 37/38/39/40/41/42/43/44/45 BEING NOT DISPUTED, OBJECTED AND HABITUALLY REPEATED WITH IMPUNITY.  HENCE, PROVEN TO BE INTENTIONAL, DELIBERATE, MALICIOUS, WILLFUL, WANTON, OPPRESSIVE AND OUTRAGEOUS AND BEYOND REASONABLE DOUBT Dear Messrs Gueniot and Liu: PLEASE SEE, As Mr. Gueniot responded to emails as shown next: Claim Number 55-06c6-44x INAPPROPRIATE RESPONSE 45 DATED 12OCT20 4:39PM Claim Number 55-06c6-44x CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUERY 7 DATED 12OCT20 5:11PM FAIR CLAIMS SETTLEMENT PRACTICES REGULATION THIS SHOWS: EVIDENCE OF 46TH RECORDED MISCONDUCT, PROOF BEYOND REASONABLE DOUBT OF, REPEATED HABITUALLY, INTENTIONALLY,  DELIBERATELY. MISCONDUCT RESPONDING TO EMAILS SUBJECT OUTSIDE OF THE SUBJECT UNDER DISCUSSION AND/OR RESPONDING TO EMAILS NOT ADDRESSED TO HIM TO RESPOND AND/OR RESPONDING TO SEVERAL EMAILS ONCE LEAVING OTHER EMAILS NOT RESPONDED. HE HAD SHOWN A TOTAL OF FORTY-SIX (46) RECORDED INAPPROPRIATE RESPONSES AND/OR MISCONDUCTS TO SOW CONFUSION AND INTENTIONALLY AND DELIBERATELY DERAIL AND DELAY THE PROCEEDINGS. HOWEVER, AGAIN, HIS  INAPPROPRIATE RESPONSE 46TH IS WORTHLESS  SIMPLY BECAUSE THE CONTENTS ARE NOT RELATED TO THE QUESTION POSTED FOR HIM TO ADDRESS AND/OR OUTSIDE OF THE SUBJECT MATTER OF THE DISCUSSION AND/OR PROFESSIONALLY DISRESPECTFUL RESPONSE. YOUR ACTIONS, MR. GUENIOT TEND TO SHOW  THAT YOU MIGHT BE THE REAL MASTERMIND OF  TITOUAH'S CRIMES. SO, MR. GUENIOT, AGAIN, MAY I REQUEST FOR YOUR KIND UNDERSTANDING. WE NEED TO HAVE OUR NEGOTIATION ORGANIZED AND RECORDS CLEAR,  SO THAT WE MAY AVOID CONFUSION. OBVIOUSLY, IT APPEARS THAT YOU WANTED MUCH EAGERLY TO CLOSE THE NEGOTIATION AND THE INVESTIGATION PROCESS. HOWEVER, YOUR EFFORTS ARE IN VAIN AS I SEE YOUR INAPPROPRIATE RESPONSES NOW ARE WANING TO ONLY FEW OR THREE (3) WEAK,  SENILE AND FEEBLE PARAGRAPHS  AND THUS, SIMPLY THIS FACT LEAD ME TO THINK YOU REALLY JUST WANTED TO AVOID QUESTIONS, WHICH ANSWERS OR NO ANSWER FROM YOU TEND TO SPILL THE BEANS OF MOST PROBABLY TITOUAH AND YOUR CRIMES IN PARTNERSHIP WITH HIM SIMPLY BY READING THE QUERIES SPECIALLY CRAFTED FOR YOU, WITH OR WITHOUT YOUR ANSWERS. SO PLEASE MR. GUENIOT, KINDLY READ VERY CONSCIENTIOUSLY. DO NOT WORRY, I HAVE PREPARED SOME 100 EASY QUESTIONS ESPECIALLY CRAFTED FOR YOU, I PROMISE, I WILL GIVE YOU THE HONORS TO INTELLIGENTLY AND HONESTLY ANSWER THOSE QUESTIONS OR IF YOU WISHED TO BE SILENT, I RESPECT YOUR CHOICE, IT IS YOUR RIGHT. HOWEVER, CRIMINALS NO MATTER HOW THEY TRIED TO KEEP SILENT ARE CONVICTED THROUGH THEIR ACTS AND OMISSIONS AND CONVINCING FACTUAL AND CIRCUMSTANTIAL EVIDENCES. Please acknowledge receipt of this e-mail. THIS EMAIL RESPONSE IS INTENDED FOR YOUR  COLLECTION OF NEW INFORMATION ON INAPPROPRIATE RESPONSES WHICH TO MY TALLY RIGHT NOW ROSE TO 46.  IN OTHER WORDS,  FORTY-SIX (46) COUNTS OF STATE FARM RECORDED MISCONDUCTS. THOSE UNRECORDED MISCONDUCTS, I AM STILL COLLECTING THEM AND I PROMISE I WILL ADD THEM TO THE LIST WHICH INFORMATION YOU MAY STILL WANTED TO KNOW. PLEASE RESTRICT ISSUES WITHIN THE CONTEXT OF THE SUBJECT MATTER TO AVOID INAPPROPRIATENESS AND CONFUSION. 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

807TH PERSUASIVE APPEAL_14 OCT19_TO THE SCP JUSTICIDES_ALBAYALDE OUT OF HIS NOOK BUT NOT OFF THE HOOK

1 CERTIFICATE OF SEPARATION FROM LAST EMPLOYER COMPLAINT 2.  MY QUEST FOR SWINDLED  RETIREMENT PAY BY SHELL SWINDLING ITO, SYNDICATED ESTAFA HOT PURSUIT DUTY OF LAW ENFORCEMENT ENTITIES 952counts SEE BELOW FOR THE 952ND   TIME THE REITERATION OF DEMAND PAYMENT OF RETIREMENT PAY WHICH SHELL REFUSED TO HONOR IN THE PRESENCE AND DEEMED APPROVAL OF THE HONORABLE MAGISTRATES OF THE SUPREME COURT OF THE PHILIPPINES GEUS_15MAR16_66th FOLLOW UP_REITERATION OF DEMAND  PAYMENT OF RETIREMENT PAY Dishonest scales are an abomination to the Lord, but a just weight is His delight... Proverbs Chapter 11  v. 1 Retirement Pay Law circumvented by Shell subject to penal provision provided for by Article 288 of the Labor Code of the Philippines.

Claim Number 55-06c6-44x CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUERY 8 DATED 13OCT20 10:34PM

OCTOBER 13,  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 CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUERY 8   WILL YOU STILL CONTINUE  YOUR  UNFAIR CLAIMS SETTLEMENT  PRACTICES, VIOLATING THE  REGULATIONS BY THE INSURANCE  COMMISSIONER? Dear Mr. GUENIOT: MAY I MOST RESPECTFULLY REFER YOU TO THE REGULATIONS ADOPTED BY THE INSURANCE COMMISSIONER ABOUT  subdivisions (h)(5)(13) of Section 790.03  790.03. The following are hereby defined as unfair methods of competition and unfair and deceptive acts or practices in the business of insurance. 790.03. (h)(5)(13) (h) Knowingly committing or performing with such frequency as to indicate a general business practice any of the following unfair claims settlement practices: (5) Not attempting in good faith to effectuate prompt, fair, and equitable settlements of claims in which liability has become reasonably clear. (13) Failing to provide promptly a reasonable explanation of the basis relied on in the insurance policy, in relation to the facts or applicable law, for the denial of a claim or for the offer of a compromise settlement. THE FACT THAT YOU IMPRESSED UPON US THAT ON APRIL 30, 2020 YOU HAVE ALREADY SENT THIS DOCUMENT, SPECIFICALLY 790.03. (h)(5)(13), TO MY DAUGHTER, MIRIAM BRUAL, IT IS THEREFORE, OUTRAGEOUSLY REPREHENSIBLE FOR YOU TO CONTINUOUSLY KNOWINGLY COMMIT OR PERFORM THESE UNFAIR METHODS OF COMPETITION AND UNFAIR AND DECEPTIVE ACTS OR PRACTICES IN THE BUSINESS OF INSURANCE IN VIOLATION OF THE REGULATIONS ADOPTED BY THE INSURANCE COMMISSIONER.   QUERY 8   WILL YOU STILL CONTINUE  YOUR  UNFAIR CLAIMS SETTLEMENT  PRACTICES, VIOLATING THE  REGULATIONS BY THE INSURANCE  COMMISSIONER? Please acknowledge receipt of this e-mail and kindly inform me when I should expect a reply to this email. PLEASE RESTRICT ISSUES AND ANSWERS WITHIN THE CONTEXT OF THE SUBJECT MATTER TO AVOID INAPPROPRIATENESS. 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 INAPPROPRIATE RESPONSE 46 DATED 13OCT20 6:29AM

INAPPROPRIATE RESPONSE 46 RESPONSE TO EMAILS: Claim Number 55-06c6-44x INAPPROPRIATE RESPONSE 45 DATED 12OCT20 4:39PM Claim Number 55-06c6-44x CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUERY 7 DATED 12OCT20 5:11PM DENIALS NEEDED TO BE SUBSTANTIATED,  OTHERWISE, CRIMINALS MERE SAYING EMPTY  WORDS OF DENIAL WOULD NEVER BE CONVICTED. NOTE : INAPPROPRIATE RE, MR. GUENIOT  AS USUAL, A LAZY RESPONSE RESPONDING ONCE TO TWO EMAILS WITH DIFFERENT SUBJECT MATTER AND DISCUSSING ISSUES OUT OF THE SUBJECT BEING RESPONDED TO.  CLEARER READING BELOW OF THE EMAIL SCREENSHOT ABOVE: Dear Mr. Buensuceso,   I’m writing to acknowledge receipt of the email below along with a second email from you also received on October 12, 2020.   A legible reproduction of Section 790.03 (h) and (i) was included with our April 30, 2020 letter to Miriam Brual.  A copy of that letter with Section 790.03 (h) and (i) is attached.   A legible reproduction of Sections 2695.5, 2695.7, 2695.8 and 2695.9 can be found at the California Department of Insurance Internet Web site www.insurance.ca.gov.  A copy of those Sections obtained from that web site are attached.   Please refer to our previous correspondence and email communications.  This claim file remains closed.  All conditions previously quoted still apply.   Your first email received on October 12, 2020 contained allegations of misconduct. All such contentions are denied. You should not interpret our silence as any agreement with you, or any waiver of our rights under the policy or law.  We reserve all rights under the policy and the law.    Sincerely,   Louis     Louis E Gueniot III Claim Team Manager State Farm General Insurance Company

Claim Number 55-06c6-44x CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUERY 7 DATED 12OCT20 5:11PM

OCTOBER 12,  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 CRIMINAL COMPLAINT AGAINST JOHN TITOUAH QUERY 7  MAY YOU PLEASE PROVIDE ME WITH A LEGIBLE REPRODUCTION OF SUBDIVISIONS (h) AND (i) OF SECTION 790.03 AND A LEGIBLE COPY OF FAIR CLAIMS SETTLEMENT PRACTICES REGULATION AND COPIES OF SECTIONS 2695.5, 2695.7,2695.8,  AND 2695.9 OF SUBCHAPTER 7.5 OF CHAPTER 5 OF TITLE 10 OF CALIFORNIA CODE OF REGULATIONS? Dear Mr. GUENIOT: MAY I MOST RESPECTFULLY REFER YOU TO THE REGULATIONS ADOPTED BY THE INSURANCE COMMISSIONER ABOUT 790.034,  that,  Upon receiving notice of a claim, every insurer shall immediately, but no more than 15 calendar days after receipt of the claim, provide the insured with a legible reproduction of subdivisions (h) and (i) of Section 790.03 along with a written notice containing the following language in at least 10-point type: “In addition to Section 790.03 of the Insurance Code, Fair Claims Settlement Practices Regulations govern how insurance claims must be processed in this state. These regulations are available at the Department of Insurance Internet Web site, www.insurance.ca.gov, or by calling the department’s consumer information line at 1-800-927-HELP(4357). You may also obtain a copy of this law and these regulations free of charge from this insurer.” So, may you please provide me with a legible reproduction of subdivisions (h) and (i) of Section 790.03 and a legible copy of Fair Claims Settlement Practices Regulation AND copies of Sections 2695.5, 2695.7, 2695.8, and 2695.9 of Subchapter 7.5 of Chapter 5 of Title 10 of the California Code of Regulations. SOURCE OF THE INFORMATION MENTIONED: 790.034.   (a) Regulations adopted by the commissioner pursuant to this article that relate to the settlement of claims shall take into consideration settlement practices by classes of insurers. (b) (1) Upon receiving notice of a claim, every insurer shall immediately, but no more than 15 calendar days after receipt of the claim, provide the insured with a legible reproduction of subdivisions (h) and (i) of Section 790.03 along with a written notice containing the following language in at least 10-point type: “In addition to Section 790.03 of the Insurance Code, Fair Claims Settlement Practices Regulations govern how insurance claims must be processed in this state. These regulations are available at the Department of Insurance Internet Web site, www.insurance.ca.gov, or by calling the department’s consumer information line at 1-800-927-HELP(4357). You may also obtain a copy of this law and these regulations free of charge from this insurer.” (2) Every insurer shall provide, when requested orally or in writing by an insured, a legible reproduction of Section 790.03 of the Insurance Code and copies of Sections 2695.5, 2695.7, 2695.8, and 2695.9 of Subchapter 7.5 of Chapter 5 of Title 10 of the California Code of Regulations, unless the regulations are inapplicable to that class of insurer. This law and these regulations shall be provided to the insured within 15 calendar days of request. (3) The provisions of this subdivision shall apply to all insurers except for those that are licensed pursuant to Chapter 1 (commencing with Section 12340) of Part 6 of Division 2, with respect to policies and endorsements described in Section 790.031. (c) This section shall become operative on January 1, 2017. (Repealed (in Sec. 6) and added by Stats. 2015, Ch. 348, Sec. 7. (AB 1515) Effective January 1, 2016. Section operative January 1, 2017, by its own provisions.) QUERY 7  MAY YOU PLEASE PROVIDE ME WITH A LEGIBLE REPRODUCTION OF SUBDIVISIONS (h) AND (i) OF SECTION 790.03 AND A LEGIBLE COPY OF FAIR CLAIMS SETTLEMENT PRACTICES REGULATION AND COPIES OF SECTIONS 2695.5, 2695.7, 2695.8, AND 2695.9 OF SUBCHAPTER 7.5 OF CHAPTER 5 OF TITLE 10 OF CALIFORNIA CODE OF REGULATIONS? Please acknowledge receipt of this e-mail and kindly inform me when I should expect a reply to this email. PLEASE RESTRICT ISSUES AND ANSWERS WITHIN THE CONTEXT OF THE SUBJECT MATTER TO AVOID INAPPROPRIATENESS. 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