UNITED STATES DISTRICT COURT 

NORTHERN DISTRICT OF ILLINOIS 

EASTERN DIVISION

LAWRENCE E. JAFFE PENSION PLAN, On 

Behalf of Itself and All Others Similarly 

Situated, 

Plaintiff, 

vs. 

HOUSEHOLD INTERNATIONAL, INC., et 

al., 

Defendants. 

) 

) 

) 

) 

) 

) 

) 

) 

) 

) 

) 

) 

) 

Lead Case No. 02-C-5893 

(Consolidated) 

CLASS ACTION

Judge Ronald A. Guzman 

Magistrate Judge Nan R. Nolan 

PLAINTIFFS’ APPENDIX OF TRIAL EXHIBITS IN SUPPORT OF OPPOSITION TO 

DEFENDANTS’ MOTIONS FOR JUDGMENT AS A MATTER OF LAW PURSUANT 

TO RULE 50(b) OR, IN THE ALTERNATIVE, FOR A NEW TRIAL

PURSUANT TO RULE 59

Case 1:02-cv-05893 Document 1660 Filed 09/03/2009 Page 1 of 10
- 1 - 

Tab Plaintiffs’ Trial 

Exhibit (PX) 

Description 

1 19 Household Bank FSB, Prospect Heights IL – FDIC Issues 

and Findings, FDIC Review Concurrent with OTS Exam 

2 79 E-mail re: DAS Request – OTS Recidivists 

3 102 Apr. 11, 2000 e-mail string re: Minutes for April 7, 2000 

Credit Committee 

4 135 Financial Relations Conference, Apr. 9, 2002 

5 140 Legg Mason Spring Cleaning But Risks Remain, Apr. 10, 

2002 

6 175 Jan. 12, 2001 e-mail chain re: QO 

7 176 Household Quality of Accounting Policies Applied in 

Financial Reporting with handwritten notes, 11/13/2000 

8 188 Attachment to HI Management Certification 

9 198 Investor Relations Report, May-August 2002 

10 199 Investor Relations Report, September-October 2002 

11 227 Aug. 14, 2002 Press Release – Household International 

Certifies Accuracy of SEC Filings in 2002; Reaffirms 

Business Outlook for Balance of the Year; Restates Certain 

Prior Period Accounts 

12 231 Household International, Inc. Form 10-K/A for the Fiscal 

Year Ended December 31, 2001 

13 267 Jan. 4, 1999 e-mail re: “Tomorrow” 

14 269 The HFC Sales Staff Plan (eff. 1/1/2000) 

15 276 Feb. 20, 2002 Housing Discrimination Complaint for Jose 

Nanez 

16 285 July 5, 2002 letter re: Inquiry Re: Fee Ranges on the Good 

Faith Estimate 

17 290 Washington DFI Expanded Report of Examination for 

Household Finance Corporation III as of April 30, 2002 

18 313 Aug. 15, 2001 e-mail from Paul Makowski to William 

Aldinger, et al., re: Delinquency 

19 324 Sept. 23, 2002 letter from Minnesota Department of 

Commerce to Household Board of Directors re: Industrial 

Loan and Thrift Examination – IL, 920 Plymouth, MN 

20 329 New Jersey Beneficial Exam, Oct. 29, 2001 

21 333 Mar. 11, 2002 Household Letter re: Regulatory 

Examination Licenses MLB-111 7 ML-18 (Virginia) 

22 347 Memorandum re: U.S. Consumer Finance Growth 

Strategies (Meeting with Andrew Kahr 12/18) 

23 348 Jan. 27, 1999 Memo “Initiatives to Accelerate Growth of 

U.S. Consumer Finance”; Memorandum from Gary Gilmer

to Bill Aldinger, et al. re: Initiatives to Accelerate Growth 

of U.S. Consumer Finance 

24 360 Apr. 15, 2002 Household Memorandum re: MS March

Results 

Case 1:02-cv-05893 Document 1660 Filed 09/03/2009 Page 2 of 10
- 2 - 

Tab Plaintiffs’ Trial 

Exhibit (PX) 

Description 

25 379 FAX (Florida Review/Effective Rate Complaints/ 

Prohibited Sales Practices); May 20, 2002 fax re: 

IMPORTANT (e-mails re: Fla Review attached to fax) 

26 445 June 18, 2002 e-mail re: Meeting with Michigan 

Regulators 

27 447 Jan. 13, 1999 e-mail re: Parity Act 

28 458 Dec. 22, 1998 e-mail re: Growth in 1999 

29 461 Jan. 18, 1999 memorandum re: December and YTD 

Operating Results 

30 481 Nov. 16, 2000 HFC Beneficial Memo re: October Results 

31 491 Jan. 17, 2001 Household Press Release – Household 

International Reports Highest Full Year and Quarterly EPS 

in Its History; Tenth Consecutive Record Quarter; Full 

Year Earnings Per Share Up 16 Percent, to $3.55; Full 

Year Net Income Rises to $1.7 Billions of Receivable 

32 503 July 18, 2001 Household Press Release – Household 

Reports Record Second Quarter Results; 12th Consecutive 

Record Quarter; Earnings Per Share Increase 16%, to $.93; 

Net Income Rises 14%, to $439 Million, Receivables Up 

15%, to $91.5 Billions of Revenues Grow 19% 

33 504 Apr. 18, 2001 PR Newswire Press Release – Household 

Reports Record First Quarter Results; 11th Consecutive 

Record Quarter; – Earnings Per Share Increase 17%, to 

$.91 – Net Income Rises 16%, to $432 Million – 

Receivables Up 17%, Over First; Quarter of ‘00 to $88 

Billion 

34 508 Jan. 31, 2002 e-mail string from William Aldinger to Gary 

Gilmer and Kenneth Robin re: NJ Audit 

35 512 June 27, 2002 Memorandum re: Revised – New Reaging 

Policy 

36 515 July 11, 2002 Memorandum re: CFRA Report 

37 516 July 1, 2002 e-mail string re: Discussion Framework 

38 533 Mar. 20, 1999 Memorandum re: Redoing HFC Mortgage 

Forms to Impose High Prepayment Penalties 

39 550 Aug. 15, 2002 forwarded e-mail (Multistate Working 

Group Reply to HFC) 

40 562 Mar. 15, 2002 faxed e-mail and Bulletin Board re: 

Charging Points and Origination Fees; Fax with attached emails and memos re: Points on Points 

41 585 Jan. 2, 2002 fax of Household Letter 12/27/2001 re: Report 

of Examination, Household Finance Corporation III –

License #000211; Branches 001-009 

42 596 July 5, 2001 e-mail re: Very Important To Do Today 

43 618 July 12, 2002 e-mail re: Reage Policies 

Case 1:02-cv-05893 Document 1660 Filed 09/03/2009 Page 3 of 10
- 3 - 

Tab Plaintiffs’ Trial 

Exhibit (PX) 

Description 

44 635 HSBC Press Release – Household Reports Record First 

Quarter Net Income; First Quarter Earnings Per Share 

Rises 20%, to $1.09; First Quarter Net Income Increases to 

$511 Million; Managed Receivables Up 14.5%, to $101.2 

Billion 

45 654 Sept. 4, 2001 e-mail string re: Retail Services Reage Policy 

46 681 AG Costs, Sides Loans 

47 694 Nov. 12, 2001 Household Review of Loss Reserves & 

Quality of Accounting Policies 

48 706 HSBC Press Release – Household Reports Record 

Quarterly and Full-Year Net Income; Fourth Quarter 

Earnings Per Share Rises 14%, to $1.17; Fourth Quarter 

Net Income Increases to $549 Million; Receivables Up 

$5.2 Billion in the Quarter, to $100.8 Billion; Full Year 

49 710 May 25, 2000 e-mail string re: Testimony on Predatory 

Lending by Ellen Seidman 

50 712 Comptroller of the Currency Administrator of National 

Banks: Report of Examination Household Bank (SB), N.A. 

Las Vegas, NV 

51 717 Household International 1999 Consolidated Internal Audit 

Plan 

52 726 July 2, 2002 e-mail string re: Revise Reage Analysis 

53 759 Compensation Committee Meeting Materials for 

January 29, 2001 

54 772 Compensation Committee Meeting Materials for 

September 10, 2002 

55 774 Compensation Committee Meeting Materials for 

January 28, 2002 

56 779 Proposed Bonus Pool Concept 

57 788 July 17, 2002 HSBC Press Release – Household Reports 

Record Second Quarter Results on Strong Receivables

Growth 

58 794 May 25, 2001 Memorandum re: March & April 2001 AG, 

BBB, & Regulatory Complaints 

59 796 June 18, 2001 e-mail string re: Unauthorized Materials 

60 799 June 5, 2001 forwarded e-mail (Equivalent Rate Sheet); Email from Ned Hennigan to Dana Williams re: Equivalent 

Rate Sheet 

61 820 Investor Relations Report, November-December 2001 

62 824 Nov. 1, 2000 Memorandum re: Story in the St. Louis PostDispatch

Case 1:02-cv-05893 Document 1660 Filed 09/03/2009 Page 4 of 10
- 4 - 

Tab Plaintiffs’ Trial 

Exhibit (PX) 

Description 

63 828 May 21, 2001 Fax/Letter/Notes (Washington’s Analysis of 

Household Finance/Beneficial Complaints from May 2000-

2001); Fax from Tom Schneider to Craig Castelein re: 

5/17/01 Memo from Patrick Hardman to Chuck Cross 

64 835 May 28, 1999 letter re: Late Fees; Parity Act; 

Communications 

65 898 May 12, 2000 Memorandum re: Insurance Service Staff 

Meeting 

66 899 May 21, 2002 fax re: June/July 1999 Fax with attached 

Presentation (First Mortgage Sales HFC Northeastern

Division) 

67 900 May 25, 2001 e-mail re: Comparable/Equivalent Rate 

68 901 May 24, 2001 e-mail re: Effective Rate 

69 903 May 22, 2001 fax (Finding the 30 Year Equivalent of 

HFC’s Bi-Weekly Program) re: 1st Mortgage 

70 916 Aug. 3, 1999 Household Memorandum re: July Monthly 

Letter 

71 926 Apr. 3, 2002 e-mail re: Customer Complaints 

72 956 Faxed Kansas Report of Examination; Fax from Carla 

Madura to Robin Allcock re: Examination of Kansas 

License 

73 964 Apr. 23, 2002 letter re: Household Finance/Beneficial 

Settlement with State of California Department of 

Corporations 

74 965 Nov. 27, 2001 e-mail string from Robin Allcock to Susan 

Mocerino re: AMPTA 

75 967 Apr. 26, 2001 letter re: Field Visit Examination as of 

March 12, 2001 

76 978 Oct. 17, 2001 PR Newswire Press Release – Household 

Reports Highest Quarterly Net Income in Its 123-Year 

History; Thirteenth Consecutive Record Quarter; Earnings 

Per Share Increases 14%, to $1.07 – Net Income Rises to 

$504 Million – Receivables Up 15%, to $95.7 Billion

77 1007 Mar. 12, 2001 Household Memorandum re: Andrew Kahr 

78 1013 June 24, 2002 e-mail re: Waite Park (54-5202), Minnesota 

Examination Response 

79 1026 June 28, 2002 e-mail re: Kahr Memos 

80 1038 Apr. 26, 2002 e-mail re: Revised Tier 1 & 2 Spreadsheets 

attaching Spreadsheet titled Highly Paid U.S. Employees – 

Tier 1 – Parachute Calculations 

81 1048 Mar. 8, 2002 e-mail Re: VRU EZPay Attempted 

Enrollment Daily Report 

82 1095 AE, Branch, District & Division 2000 Goals 

Case 1:02-cv-05893 Document 1660 Filed 09/03/2009 Page 5 of 10
- 5 - 

Tab Plaintiffs’ Trial 

Exhibit (PX) 

Description 

83 1096 Sept. 10, 2002 Letter-Request for Waiver of Prepayment 

Penalty or Rescindment of Application Fee/Prepaid 

Finance Charge with attached Forbes Article; Letter re: An 

Urgent Request to Waive the PPP on a Mortgage Loaned 

Refinanced with HFC in February 2002 

84 1100 Apr. 4, 2002 e-mail re: Legacy Restructures 

85 1103 July 29, 2002 e-mail re: Collection Rewrites 

86 1117 July 11, 2002 e-mail re: Reage Meeting Summary 7/9/2002

87 1148 Aug. 28, 2002 e-mail re: Follow-up to Yesterday’s 

Meeting 

88 1156 Aug. 30, 2002 e-mail re: Tom 

89 1204 OTS Report of Examination, Aug. 27, 2001 

90 1205 OTS Special Compliance Examination, Jan. 16, 2003 

91 1307 Mar. 23, 2001 B&C News Article: Fed’s Predatory 

Proposal Supported by Household 

92 1333 May 17, 2002 letter re: Expanded Report of Examination 

93 1338 Wells Fargo Bank Corporate Consumer Credit 

Administration 

94 1351 Consumer Finance, WFF Due Diligence, Blazer Executive 

Summary by the Business Team, May 9, 2002 

95 1371 Apr. 22, 2002 e-mail chain re: Project Blazer 

96 1383 HHS Training Video Cassette 

97 1387 Nov. 12, 2002 e-mail re: Re-age Fitch Servicer

Presentation Slides 

98 1391 Event Study for Household International, Inc. [7/30/99-

3/28/03] 

99 1395 HI Common Stock Estimate of Alleged Artificial Inflation 

for Quantification Including Leakage [7/30/99-10/11/02] 

100 1409 Dec. 1, 2001 Dow Jones Capital Markets Report: Barron’s: 

Does It Add Up? A Look At Household’s Accounting 

101 1410 Dec. 11, 2001 Legg Mason Wood Walker, Inc. – 

Downgrading Rating to Market Performance; Part 3 

102 1413 Aug. 15, 2002 Morgan Stanley – Equity Research Report – 

“Price Target to $53 on Earnings Restatement” 

103 1429 Aug. 27, 2002 Bellingham Herald Press Release – State 

Report Details HFC Lending Abuse; FINANCE: Copy of 

Suppressed Report Is Leaked to Several News 

Organizations 

104 1435 Sept. 22, 2002 CIBC World Markets – Equity Research 

Report – HI: Lowering Price Target on Persistent Headline 

Risk, But Maintaining SP Rating 

105 1446 May 31, 2002 American Banker article: For Household, 

New Fight and Small Victory, Household International Inc. 

Blocks Regulatory-Exam Report 

Case 1:02-cv-05893 Document 1660 Filed 09/03/2009 Page 6 of 10
- 6 - 

Tab Plaintiffs’ Trial 

Exhibit (PX) 

Description 

106 1451 July 27, 2001 Minneapolis Star Tribune: article Lending 

Practices Criticized; St. Paul Man Tells Senate Panel Loan 

Was Path to Even More Debt 

107 1486 Timeline of Events 

108 1589 Vozar Handwritten Notes 

Tab Defendants’ 

Trial Exhibit 

(DX) 

Description 

109 99 Household International 2002 Proxy Statement, dated 

April 9, 2002 

110 758 Form 4 for Gary D. Gilmer, dated February 14, 2000 – 

Statement for February 2000 

111 759 Form 4 for Gary D. Gilmer, dated October 19, 2000 – 

Statement for October 2000 

112 763 Form 4 for Gary D. Gilmer, dated July 19, 2001 – 

Statement for July 2001 

113 774 Form 4 for William F. Aldinger, dated August 23, 2000 – 

Statement for August 2000 

114 775 Form 4 for William F. Aldinger, dated January 19, 2001 – 

Statement for January 2001 

115 850 Household International Inc., Annual Report for the Fiscal 

Year Ended December 31, 1999 (Form 10-K) (March 28,

2000) 

116 851 Household International Inc., Annual Report for the Fiscal 

Year Ended December 31, 2000 (Form 10-K) (March 28,

2001) 

117 852 Household International Inc., Annual Report for the Fiscal 

Year Ended December 31, 2001 (Form 10-K) (March 13,

2002) 

118 DDX 802-01 Defendants’ Trial Demonstrative Exhibit re: Household’s 

Sub-Certification Review Process for 10-K Filings 

Case 1:02-cv-05893 Document 1660 Filed 09/03/2009 Page 7 of 10
- 7 - 

DATED: September 3, 2009 COUGHLIN STOIA GELLER 

 RUDMAN & ROBBINS LLP 

PATRICK J. COUGHLIN (111070) 

MICHAEL J. DOWD (135628) 

SPENCER A. BURKHOLZ (147029) 

DANIEL S. DROSMAN (200643) 

MAUREEN E. MUELLER (253431) 

/s/ Michael J. Dowd 

MICHAEL J. DOWD 

655 West Broadway, Suite 1900 

San Diego, CA 92101 

Telephone: 619/231-1058 

619/231-7423 (fax) 

COUGHLIN STOIA GELLER 

 RUDMAN & ROBBINS LLP 

AZRA Z. MEHDI (90785467) 

D. CAMERON BAKER (154432) 

LUKE O. BROOKS (90785469) 

JASON C. DAVIS (253370) 

100 Pine Street, Suite 2600 

San Francisco, CA 94111 

Telephone: 415/288-4545 

415/288-4534 (fax) 

Lead Counsel for Plaintiffs 

MILLER LAW LLC 

MARVIN A. MILLER 

LORI A. FANNING 

115 S. LaSalle Street, Suite 2910 

Chicago, IL 60603 

Telephone: 312/332-3400 

312/676-2676 (fax) 

Liaison Counsel 

Case 1:02-cv-05893 Document 1660 Filed 09/03/2009 Page 8 of 10
- 8 - 

LAW OFFICES OF LAWRENCE G. 

 SOICHER 

LAWRENCE G. SOICHER 

110 East 59th Street, 25th Floor 

New York, NY 10022 

Telephone: 212/883-8000 

212/355-6900 (fax) 

Attorneys for Plaintiff 

S:\CasesSD\Household Intl\APP00061503_tx.doc 

Case 1:02-cv-05893 Document 1660 Filed 09/03/2009 Page 9 of 10
DECLARATION OF SERVICE BY ELECTRONIC MAIL AND BY U.S. MAIL

I, the undersigned, declare: 

1. That declarant is and was, at all times herein mentioned, a citizen of the United States 

and employed in the City and County of San Diego, State of California, over the age of 18 years, and 

not a party to or interested party in the within action; that declarant’s business address is 655 West

Broadway, Suite 1900, San Diego, California 92101. 

2. That on September 3, 2009, declarant served by electronic mail and by U.S. Mail to 

the parties PLAINTIFFS’ APPENDIX OF TRIAL EXHIBITS IN SUPPORT OF OPPOSITION TO 

DEFENDANTS’ MOTIONS FOR JUDGMENT AS A MATTER OF LAW PURSUANT TO RULE 

50(b) OR, IN THE ALTERNATIVE, FOR A NEW TRIAL PURSUANT TO RULE 59. 

The parties’ email addresses are as follows: 

TKavaler@cahill.com

PSloane@cahill.com

PFarren@cahill.com

LBest@cahill.com

DOwen@cahill.com

NEimer@EimerStahl.com

ADeutsch@EimerStahl.com

MMiller@MillerLawLLC.com

LFanning@MillerLawLLC.com

and by U.S. Mail to: 

Lawrence G. Soicher, Esq. 

Law Offices of Lawrence G. Soicher 

110 East 59th Street, 25th Floor 

New York, NY 10022 

David R. Scott, Esq. 

Scott & Scott LLC 

108 Norwich Avenue 

Colchester, CT 06415 

I declare under penalty of perjury that the foregoing is true and correct. Executed this 3rd 

day of September, 2009, at San Diego, California. 

/s/ Teresa Holindrake 

TERESA HOLINDRAKE 

Case 1:02-cv-05893 Document 1660 Filed 09/03/2009 Page 10 of 10