In this Blog it is my hopes to have my Questions asked of Heritage Oaks Bank answered by either Heritage Oaks Bank or the FDIC. The "Loan Transaction History" That Heritage Oaks Bank has provided to the FDIC shows that my Loan was current when Heritage Oaks Bank filed forclosure actions on my business property in June of 2009. Heritage_Oaks_Bank_changing_of_d... This "Loan Transaction History" provided to the FDIC shows how Heritage Oaks Bank does not properly apply payments! Attached are FDIC Questions asked of Heritage Oaks Bank FDIC_December_14__2009_Questions... after FDIC letterHeritage_Oaks_Banks_Mistakes.pdf
FDIC Division of Supervision and Consumer ProtectionFDIC_Complaint-Regarding_Heritag...
This Loan Transaction History that Heritage Oaks Bank has provided to the FDIC shows many banking mistakes going back to 2002 in how Principal paid was not applied to my loan when payments where made to Heritage Oaks Bank
Below is a response from Heritage Oaks Banks Attorney regarding the FDIC complaint filed against Heritage Oaks Bank. It is important to note that as of December 28, 2009 the questions asked have not been answered!
From: William Raver [mailto:wraver@heritageoaksbank.com] Sent: Friday, November 06, 2009 9:36 AMTo: Bill BookoutSubject: RE: TS# F391304 Bookout-Heritage Oaks
Mr. Bookout,
Because you have filed a complaint with the FDIC, to which we are required to respond, we will be providing a full response to that agency. We will not be responding directly to you about the loan in question other than to notify you of payments due. I have requested previously that you cease barraging the bank and its staff with redundant e-mails, and am repeating that request now. Greg Chilina is the loan officer assigned to your loan, and you may communicate with him regarding payments due and what we require from you in order to keep your loan from going into default yet again.
William R. RaverExecutive Vice PresidentGeneral CounselHeritage Oaks BankP.O. Box 7012Paso Robles, Ca 93447-7012(805)369-5290 Office Phone(805)369-5062 Fax
Heritage Oaks Banks Accounting of money paid Heritage oaks Bank? Heritage_Oaks_Banks_Excell_Accou...
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What Heritage Oaks Bank told the IRS regarding Loan Debt! Internal_Revenue_Service_1098_St...
Questions asked of Heritage Oaks Bank Heritage_Oaks_Bank_changing_of_d... Regarding how my payments have been applied to my loan.
From: William Raver [mailto:wraver@heritageoaksbank.com] Sent: Wednesday, January 06, 2010 3:57 PMTo: Bill BookoutSubject: RE: Ref. No SCC2009N-000518-0 Heritage Oaks Bank Theft or mistakes of Principal Paid to loan #
Mr. Bookout,
As you state, we have provided a complete loan transaction history both to you and to the FDIC. Hacienda Bank issued a Form 1098 to you for 2002, 2003 and Heritage Oaks Bank issued one to you for 2004. The 1098 information was provided to the IRS at that time. We do not have an obligation to you to preserve copies of those documents, and I have previously suggested to you how to reconstruct that information if you did not retain the copies sent to you. We have discussed your loan with you and deny any theft of your funds whatsoever. To the extent that any payments you made were not applied in accordance with the bank’s ‘interest first’ payment application policy, such payments were applied to your direct benefit as they were applied first to outstanding principal. We have also offered you several options to modify your loan to ease any current cash flow issues you may be experiencing; you have declined the offered modifications.
Your payments will be applied as received, according to the loan documents, first to outstanding interest and then to principal, with the exception of the small additional amount you have been remitting monthly in excess of your standard payment; we have been applying that to principal in accordance with your wishes. When all outstanding interest is paid, normal payment amortization will resume. If you are not satisfied with this arrangement, you may prepay your loan in full, without penalty.
As we have always told you, I would be happy to discuss your matter with any attorney who represents you.
William R. RaverExecutive Vice PresidentGeneral CounselHeritage Oaks BankP.O. Box 7012Paso Robles, Ca 93447-7012(805)369-5290 Office Phone(805)369-5062 Fax
From: Bill Bookout [mailto:Pismobeachdiveshop@charter.net] Sent: Wednesday, January 06, 2010 3:13 PMTo: William RaverCc: legal@fdic.gov; Merle F. Miller; Larry Ward; dvallely@co.slo.ca.usSubject: RE: Ref. No SCC2009N-000518-0 Heritage Oaks Bank Theft or mistakes of Principal Paid to loan #
Mr. Raver
Before turning over Heritage Oaks Banks actions to the San Luis Obispo District Attorney I would again request that my Questions asked of Heritage Oaks Bank be answered. If I do not receive this information by the end of this week I will be filing charges against Heritage Oaks Bank for theft and loss of Banking documents since 2002 as seen in the Loan Transaction History that you have provided to myself and the FDIC.
If Heritage Oaks Bank has found the lost 1098 forms for 2002-2003 and 2004 please respond immediately.
Sincerely
Bill Bookout
CC Silvia Angulo Internal Revenue Service, Agent # 77-01765
From: William Raver [mailto:wraver@heritageoaksbank.com] Sent: Monday, December 14, 2009 2:51 PMTo: Bill BookoutSubject: RE: Ref. No SCC2009N-000518-0 Heritage Oaks Bank Theft or mistakes of Principal Paid to loan #
Mr. Bookout,
We sent you, via U.S. Mail, all of the 1098 records we have. We were unable to locate a copy of the form 1098 from 2002 or 2004 (Hacienda Bank). If you did not retain a copy with your tax returns, you may be able to obtain a copy of your complete tax filings for 2002 and 2004 from the IRS. You can also look at the transaction history which we provided to you and the FDIC and manually calculate the interest totals actually paid during 2002 and 2004.
William R. RaverExecutive Vice PresidentGeneral CounselHeritage Oaks BankP.O. Box 7012Paso Robles, Ca 93447-7012(805)369-5290 Office Phone(805)369-5062 Fax
From: Bill Bookout [mailto:Pismobeachdiveshop@charter.net] Sent: Monday, December 14, 2009 9:24 AMTo: 'legal@fdic.gov'Cc: 'Ombudsman Washington'; 'ombudsman@sba.gov'; 'dvallely@co.slo.ca.us'; 'Mendoza, Carlos G.'; 'William Raver'; 'Greg J. Chilina'; 'lward@heritageoaksbank.com'; 'mtorres@heritageoaksbank.com'Subject: Ref. No SCC2009N-000518-0 Heritage Oaks Bank Theft or mistakes of Principal Paid to loan #
December 14, 2009
Federal Deposit Insurance Corporation
2345 Grand Boulevard, Suite 100
Kansas City, Mo 64108 Faxed to 703-812-1020
Dear FDIC
Attention: Adela Coronado-Consumer Affairs Specialist.
RE: Ref. No SCC2009N-000518-0 Heritage Oaks Bank Theft or mistakes of Principal Paid to loan # 302730 as seen in the Transaction History Statement provided to the FDIC by Heritage Oaks Banks December 4, 2009 with their letter “core loan accounting system, shows the application of his payments for each transaction on the account, with resulting principal balance”
In response to your December 9, 2009 FDIC letter regarding Heritage Oaks Bank complaint being completed with the FDIC and that “it does not appear that any of the federal consumer protection regulations enforced by the FDIC would apply to this particular situation”. It should be noted that as of today December 14, 2009 Heritage Oaks Bank has not provided the copies of the 1098 forms as requested from 2002-2004. I ask that the FDIC receive copy’s of these 1098 forms? Heritage Oaks Bank is not (Applying the payments/principal in accordance with the existing Contract/Deed or Change in Terms Agreement dated January 2, 2008) as Heritage Oaks Bank has stated to the FDIC in their December 4, 2009 letter to the FDIC!
The FDIC has enclosed the copy of the Heritage Oaks Banks Loan History for loan # 302730. This loan history shows the FDIC the reasons for my complaint against Heritage Oaks Bank!
Heritage Oaks Bank from 2002-2009 in their account history provided to the FDIC does not reduce my principal payments in the signed promissory note dated February 2, 2002 and their change in terms dated January 2, 2008.
1) Can the FDIC explain this?
2) Does the FDIC allow Banks to not abide with their written contracts and Promissory Notes as seen in this loan history provided by Heritage Oaks Bank to the FDIC?
Please again review this loan history “Transaction History Statement” as seen in this document provided to the FDIC by Heritage Oaks Bank. This “Transaction History Statement” document shows the FDIC the Mistakes that Heritage Oaks Bank have made!
Heritage Oaks Bank from April 5, 2002 to September 17, 2002 does not show any principal paid to my loan except $19.57? Is this normal for all FDIC insured Banks? How is this Legal?
Heritage Oaks Bank from February 18, 2003 to May 12, 2003 does not show any principal paid to loan except $765.98 on 5/12/2003? Is this normal for all FDIC insured Banks?
Heritage Oaks Bank does not apply any principal with my payment June17, 2003? Is this normal for all FDIC insured Banks?
Heritage Oaks Bank does not apply any principal with my payment July 22, 2003? Is this normal for all FDIC insured Banks?
Heritage Oaks Bank does not apply any principal with my payment December 12, 2003? Is this normal for all FDIC insured Banks?
Heritage Oaks Bank does not apply any principal with my payment February 13, 2004? Is this normal for all FDIC insured Banks?
Heritage Oaks Bank does not apply any principal with my payment July 22, 2003? Is this normal for all FDIC insured Banks?
Heritage Oaks Bank on April 16, 2004 only applies the additional principal of $67.86 to my loan? Is this normal for all FDIC insured Banks?
Heritage Oaks Bank on June 1, 2004 only applies the additional principal of $67.86 to my loan? Is this normal for all FDIC insured Banks?
Heritage Oaks Bank on June 15, 2004 only applies the additional principal of $67.86 to my loan? Is this normal for all FDIC insured Banks?
Heritage Oaks Bank does not apply any principal with my payment August 3, 2004? Is this normal for all FDIC insured Banks?
Heritage Oaks Bank on November 24, 2004 only applies the additional principal of $67.86 to my loan? Is this normal for all FDIC insured Banks?
Heritage Oaks Bank on December 20, 2004 only applies the additional principal of $67.86 to my loan on December 21, 2004? Is this normal for all FDIC insured Banks?
Heritage Oaks Bank on December 31, 2004 only applies the additional principal of $67.86 to my loan on January 3, 2005? Is this normal for all FDIC insured Banks?
Heritage Oaks Bank does not apply any principal with my payment February 3, 2005? Is this normal for all FDIC insured Banks?
Heritage Oaks Bank on March 18, 2005 only applies the additional principal of $67.86 to my loan? Is this normal for all FDIC insured Banks?
Heritage Oaks Bank does not apply any principal with my payment April 25, 2005? Is this normal for all FDIC insured Banks?
Heritage Oaks Bank on May 20, 2005 only applies the additional principal of $67.86 to my loan? Is this normal for all FDIC insured Banks?
Heritage Oaks Bank on June 24, 2005 only applies the additional principal of $67.86 to my loan? Is this normal for all FDIC insured Banks?
Heritage Oaks Bank on 7/25/2005 does not show additional principal paid to loan or principal? Is this normal for all FDIC insured Banks?
Please Review my E-Mail to the FDIC and the Ombudsman Washington below on November 12, 2009 regarding Heritage Oaks Banks actions and mistakes brought to the FDIC’s attention!
Please review several of Heritage Oaks Banks E-Mail responses below!
Heritage Oaks Bank did provide 1098 forms for 2005-2008 that they had reported to the Internal Revenue Service leaving out any additional interest that they are now claiming. In 2007 they claimed this loan balance was $265,323.39 and in 2008 they claimed this loan balance was $260, 284.07 to the Internal Revenue Service. See documents attached,.
Again I am asking for the FDIC’s help before going public with Heritage Oaks Banks actions and documents showing their mistakes?
Adela Coronado, If the FDIC can not help with this type of theft or mistakes by a FDIC insured bank; then who should be made aware of this type of banking theft as seen in the Heritage Oaks Banks payment history “Transaction History Statement” provided to the FDIC on December 4, 2009 by Heritage Oaks Bank?
Sincerely
Bill Bookout
CC Attorney General Edmund G. Brown, Jr Attorney General’s Office
California Department of Justice Attn:
Public Inquiry Unit
P.O. Box 944255
Sacramento, CA 94244-2550
CC Office of the District Attorney County of San Luis Obispo County Government Center, 4th Floor San Luis Obispo, CA 93408 (805) 781-5800 (805) 781-5896
CC Fresno SBA District Office
2719 North Air Fresno Drive, Suite 200 Fresno, CA 93727 Phone: (559) 487-5791 Fax: (559) 487-5636
From: Bill Bookout [mailto:Pismobeachdiveshop@charter.net] Sent: Thursday, November 12, 2009 3:51 PMTo: 'Ombudsman Washington'Cc: 'legal@fdic.gov'; 'Mendoza, Carlos G.'; 'lward@heritageoaksbank.com'; 'William Raver'; 'mtorres@heritageoaksbank.com'; 'mmiller@heritageoaksbank.com'; 'dvallely@co.slo.ca.us'Subject: RE: TS# F391304 Bookout-Heritage Oaksb
November 12, 2009
Federal Deposit Insurance Corporation
2345 Grand Boulevard, Suite 100
Kansas City, Mo 64108 Faxed to 703-812-1020
Dear FDIC
RE: Ref. No SCC2009N-000518-0 --Heritage Oaks Banks Mistakes
Are Heritage Oaks Banks actions in accordance with Applicable Banking Laws Enforced by the FDIC?
According to Heritage Oaks Documents as of October 15, 2009, Heritage Oaks Bank believes that my full payoff amount with my loan # 302730 as of this date is $279,178.58 with a principal balance of $259,625.09 and interest accrued of $19,497.49! This does not compute with an Amortization Schedule that Heritage Oaks Bank had provided to the Internal Revenue Service!
Attached is the Chicago Title Company Closing Date Statement Dated March 1, 2002 Escrow # 01330-000264300-001
Attached is an Amortization Schedule prepared by Hacienda Bank with a Disbursement Date of February 21, 2002. This Amortization Schedule was provided by Heritage Oaks Bank to the Internal Revenue Service who had obtained this from Heritage Oaks Bank. This Amortization Schedule while it is not accurate with the closing date is further inconsistent with the Heritage Oaks Banks Excel Spread sheet provided by Heritage Oaks Bank in 2009!
I have on several occasions requested an amortization schedule (Accounting) from Heritage Oaks Bank regarding my loan. Heritage Oaks Bank has only provided a copy of their excel worksheet; which does not make any since. Heritage Oaks Bank in their excel work sheet and online accounting have made many mistakes in how Heritage Oaks Bank has applied my payments, principal and additional principal since the beginning of my loan!
This Excel Spread Sheet provided by Heritage Oaks Bank has an interest rate from the beginning of my loan being 8.75% rather then 8% as seen in our original signed loan documents! In this Spread Sheet provided by Heritage Oaks Bank for the first six months does not reduce principal paid or account for additional payments made on April 18, 2002 and principal on April 23, 2002.
With the 8.75% Interest rate on the Heritage Oaks Banks excel spread sheet provided by Paul DeLine and Greg Chilina from the beginning of my loan. Heritage Oaks Banks shows their negligence in accounting for Customers Mortgage payments that they have received! This shows that Heritage Oaks Bank is capable of changing documents and committing banking fraud!
Attached are payments plus additional principal in 2002 made to Hacienda Bank which Heritage Oaks Bank acquired later.
Check # 1592 April 4, 2002
Check # 2567 April 18, 2002—Two payments plus principal in advance not seen in the Heritage Oaks Banks Excel spread sheet provided by Heritage Oaks Bank in 2009. Accounted for in 4/12/04 B of A Register provided to Internal Revenue Service attached above in PDF file
Check # 2571 April 23, 2002 of $1,100.00 to reduce principal.
Check # 1100 May 13, 2002--$2,232.14
Check # 2663 June 14, 2002—Check # 2723 July 10, 2002—Check # 2784 August 8, 2002—Check # 2860 September 10, 2002—Check # 2914 October 3, 2002—Check # 2957 November 5, 2002—Check # 3029 December 5, 2002.
From Heritage Oaks Banks Excel Spread Sheet attached--April 5, 2002 to May 25, 2007. The amount owed Heritage Oaks Bank on May 25, 2007 was $286,902.51. From an Amortization Schedule prepared off the internet from April 2002 to May 2007 using $2,232.14 as a monthly payment this balance comes down to $282,248.79 showing Heritage Oaks Bank not accounting for $4,653.72 in regular principal paid from April 5, 2002 to May 25, 2007.
Heritage Oaks Bank does not account for the extra payments on April 18, 2002!
Heritage Oaks Bank does not account for extra principal payments from June 2003 to May 2007 of $67.86 times 28 which come to $1,900.08 paid to reduce my loan as seen in their excel spread sheet!
The total that Heritage Oaks Bank cannot account for from April 2002 to May 2007 is $12,653.80 in their excel spread sheet is:
$1,100.00 Principal Payment
$5,000.00 Mortgage and Principal Payments
$4,653.72 Regular Principal
$1,900.08 Extra Monthly Principal Payments
$12,653.80
Heritage Oaks Bank does not account for $1,465.40 paid in extra principal payments from March 2008-November 2009 of $73.22 times 20?
Heritage Oaks Bank does not account for $3,068.56 additional principal paid to my loan in my payments from February 2, 2008 to present of $139.48 Times 22? When I prepared my own amortization schedule on line from January 2, 2008, it was found that I was paying $139.48 over what my payment should have been?
With the January 2, 2008 Change In Terms by Heritage Oaks Bank a new mortgage amount was established by Heritage Oaks Bank that they have since tried to change in a request for a payoff amount! This Change in Terms amount as agreed on January 2, 2008 was $265,323.39.
Heritage Oaks Bank Reported to the Internal Revenue Service on December 31, 2008 that this loan Balance was paid down to $260,284.07 with $20,041.02 interest being paid for the year! Now Heritage Oaks Banks believes that $279,178.58 is owed?
The total that Heritage Oaks Bank cannot account for from March 2008-November 2009 is $4,533.96
$1,465.40
$3,068.56
$4,533.96
The total owed by Heritage Oaks Bank before interest and interest that should have been applied to my loan is approximately $17,187.76 plus $1,737.22 of business working capital taken by Heritage Oaks Bank after complying with their June 10, 2009 demand letter. Heritage Oaks Bank informed the Internal Revenue Service on December 31, 2008 that my balance was at this time $260,284.07. This is where Heritage Oaks Bank should take responsibility actions for their mistakes in accounting
You will notice from the Heritage Oaks Bank E-Mails below that Heritage Oaks Bank has refused paid and received payments on this current loan for October, 2009 and then State: “ Whether or not the bank has fully answered your questions or not does not preclude your obligation to make the October payment” After it had previously been paid!
You will notice Heritage Oaks Banks Attorney’s William Raver, E-Mail regarding questions asked of Heritage Oaks Bank. “We will not be responding directly to you about the loan in question other than to notify you of payments due.”
I am hoping for the FDIC, SBA and State Banking Authorities see that Heritage Oaks Bank is not allowed to perform this type of banking and that a full investigation is taken into all of Heritage Oaks Banks loans!
Sincerely
Bill Bookout
Plumerias Garden and Gifts
Pismo Beach Dive Shop
Big Kahuna Surf Shop
Oceano Nursery
CC Attorney General Edmund G. Brown, Jr Attorney General’s Office
California Department of Justice Attn:
Public Inquiry Unit
P.O. Box 944255
Sacramento, CA 94244-2550
CC Office of the District Attorney County of San Luis Obispo County Government Center, 4th Floor San Luis Obispo, CA 93408 (805) 781-5800 (805) 781-5896
CC Fresno SBA District Office
2719 North Air Fresno Drive, Suite 200 Fresno, CA 93727 Phone: (559) 487-5791 Fax: (559) 487-5636
CC Administrator of National Banks
1301 McKinney Street, Suite 3450
Houston Texas 77010-9050
CC Federal Reserve Consumer Help PO Box 1200 Minneapolis, MN 55480
Phone 1-888-851-1920
Fax # (877)-888-2520
From: Greg J. Chilina [mailto:gchilina@heritageoaksbank.com] Sent: Thursday, October 08, 2009 3:20 PMTo: Bill BookoutSubject: RE: Attached
Mr. Bookout,
Whether or not the bank has fully answered your questions or not does not preclude your obligation to make the October payment and the first installment on the foreclosure cost as noted by the chain of letters sent and received by you over the last few to several weeks. As a reminder, the last communication sent by the bank is a 10 day demand which requires your immediate attention.
Greg Chilina
VP/Commercial Relationship Manager
Heritage Oaks Bank
545 Twelfth Street
Paso Robles, California 93446
805.369.5194
Fax: 805.238.6257
www.heritageoaksbank.com
From: William Raver [mailto:wraver@heritageoaksbank.com] Sent: Friday, November 06, 2009 9:36 AMTo: Bill BookoutSubject: RE: TS# F391304 Bookout-Heritage Oaks
Mr. Bookout,
Because you have filed a complaint with the FDIC, to which we are required to respond, we will be providing a full response to that agency. We will not be responding directly to you about the loan in question other than to notify you of payments due. I have requested previously that you cease barraging the bank and its staff with redundant e-mails, and am repeating that request now. Greg Chilina is the loan officer assigned to your loan, and you may communicate with him regarding payments due and what we require from you in order to keep your loan from going into default yet again.
William R. RaverExecutive Vice PresidentGeneral CounselHeritage Oaks BankP.O. Box 7012Paso Robles, Ca 93447-7012(805)369-5290 Office Phone(805)369-5062 Fax
From: Paul DeLine [mailto:pdeline@HeritageOaksBank.com]
Sent: Thursday, June 11, 2009 5:18 PM
To: Bill Bookout
Subject: RE: April 8
Mr. Bookout,
In response to your request regarding the application of payments on loan #302730; payments
are applied first to interest, then to principal. As of June 1, 2009, you were due for April 5, 2009
and May 5, 2009 and as of the June date you had accrued $23,883.98 of interest owning, Thus,
your payment received on June 2, 2009 of $2,300 was applied to interest first and zero to
principal.
You are now due for May 5, 2009 and June 5, 2009. If you intend to bring this loan to a current
status, please contact this institution as you will be responsible for the collection costs incurred.
Your loan has a balance of $260,137.63. Your payment history with Heritage Oaks Bank currently
is showing 29 times 30 days delinquent and 9 times 60 days delinquent.
Regards,
Paul DeLine
From: Greg J. Chilina [mailto:gchilina@heritageoaksbank.com] Sent: Friday, September 25, 2009 9:48 AMTo: Bill BookoutCc: William RaverSubject: PaymentImportance: High
Bill,
FYI, you may have a receipt for the $2,300 but you are deficient for the foreclosure cost due. The bank will not process this $2,300, i.e., apply the funds to your loan, until you pay the first installment amount of the foreclosure cost per the communications you have been sent via email and U.S. Mail.
Greg Chilina
VP/Commercial Relationship Manager
Heritage Oaks Bank
545 Twelfth Street
Paso Robles, California 93446
805.369.5194
Fax: 805.238.6257
www.heritageoaksbank.com
Date Opened
2/28/2002
As of Date
11/6/2009
Current Balance
$259,478.65
Projected Payment Amount
$2,226.78
Date of Last Statement
10/21/2009
Current Interest Rate
8.75%
Interest Accrued
$16,053.30
YTD Interest
$24,494.58
Prior Year Interest Paid
$20,041.02
Last Payment Date
11/6/2009
Next Payment Date
12/5/2009
Maturity Date
3/5/2017
Date Closed
Not Available
Posted Transactions
Date
Description
Withdrawals
Deposits
Balance
11/6/2009
REGULAR PAYMENT
$2,300..00
$259,478.65
10/22/2009
PRINCIPAL PAYMENT
$73.22
$259,551.87
10/22/2009
REGULAR PAYMENT
$2,226.78
$259,625.09
8/27/2009
PRINCIPAL PAYMENT
$73.22
$259,625.09
8/27/2009
REGULAR PAYMENT
$2,226.78
$259,698.31
8/27/2009
REV PRINCIPAL PYMT to reapply
$73.22
$259,698.31
8/25/2009
PRINCIPAL PAYMENT
$73.22
$259,625.09
8/27/2009
REV REGULAR PYMT
$2,226.78
$259,698.31
8/25/2009
REGULAR PAYMENT
$2,226.78
$259,698.31
8/27/2009
PRINCIPAL PAYMENT
$73.22
$259,698.31
8/27/2009
INTEREST DUE PMT
$2,226.78
$259,771.53
8/27/2009
REV REGULAR PYMT
$2,300.00
$259,771.53
7/15/2009
REGULAR PAYMENT
$2,300.00
$257,471.53
6/29/2009
REGULAR PAYMENT
$2,300.00
$259,771.53
6/12/2009
REGULAR PAYMENT
$4,600.00
$259,844.75
6/3/2009
REGULAR PAYMENT
$2,300.00
$260,137.63
5/4/2009
REGULAR PAYMENT
$2,300.00
$260,137.63
