Governor Jerry Brown

accounting for Santa Barbara Bank & Trust October 28, 2011 principal balance changes for Bill Bookout and Judge Robin L. Riblet by December 3, 2011.

Please see that Santa Barbara Bank & Trust immediately returns the $7,657.00 overcharged by Santa Barbara Bank & Trust per the 2007 forbearance agreement mistakes made by Santa Barbara Bank & Trust against SBA Form 147 Note that Santa Barbara Bank & Trust has now acknowledged on November 30, 2011!

Please explain to the News Media attached as to why Santa Barbara Bank & Trust would cause Oceano Nursery to have to go out of business in 2007? Please explain as to why Santa Barbara Bank & Trust required Oceano Nursery to fight the Inverse Condemnation in the Deed of Trust and the 2007 Forbearance and Workout Agreement?

Why would Santa Barbara Bank & Trust falsify the 2003 SBA Loan Authorization as seen at www.sbaplploans.com ?

Again, Please provide a full accounting of my SBA Loan from the 2007 forbearance and workout agreement; amortization as Santa Barbara Bank & Trust has again changed their banking documents, per Robert Forouzandeh and Diana Jessup Lees May 6, and May 19, 2011 letters and the two May 5, 2011 amortization schedules!

This Fraud committed by Santa Barbara Bank & Trust is now fully known to the San Luis Obispo News Media! All of Santa Barbara Bank & Trust emails are seen at www.sbaplploans.com for easy reading! KEYT 3 On Your Side has received a copy of the November 30, 2011 email response to Karen L. Grant below from Santa Barbara Bank & Trusts email on November 30, 2011!

Please see that Santa Barbara Bank & Trust refunds the $5,200.00 --2006 Principal Stolen by Santa Barbara Bank & Trust from the principal per the two May 5, 2011 amortization schedules prepared by Santa Barbara Bank & Trust! These falsified schedules are seen at www.santabarbarabankandtrust.co

Please explain as to why Santa Barbara Bank & Trust has eliminated the online loan accounting of the Oceano Nursery SBA Loan?

Santa Barbara Bank & Trust falsified the 2007 Phase 1 reports as seen at www.santabarbarabankandtrust.co Please refund the $3,900.00 for these falsified Phase 1 reports paid for from the 2007 Oceano Nursery business working capital in 2007!

Please see that Santa Barbara Bank & Trust returns the $1,953.45 in attorney fees overcharged by Santa Barbara Bank & Trust in 2007, against the 2007 Oceano Nursery--Forbearance & Workout agreement!

Robert Forouzandeh and Diana Jessup Lee, Please explain this August 2, 2011 email statement to Judge Robin L, Riblet for the December 16, 2011 hearing! Explain as to how the $45,171.20 was added to the May 19, 2011 Notice of Default by Santa Barbara Bank & Trust? “The July 27, 2011 statement sent from Santa Barbara Bank and Trust does not include the amounts owed by you for the deferred payments under the Forbearance Agreement. When you breached the Forbearance Agreement by going into default on your loan, pursuant to contract, the deferred payments were accelerated and due in full immediately. Accordingly, they were added to the notice of default amount. Nonetheless, as a token of good faith, if you pay the amount set forth on the July 27, 2011 statement ($102,859.01), Santa Barbara Bank and Trust will accept this as a complete cure of your default on your loan which is now in its 21st month.”

Robert Forouzandeh and Diana Jessup Lee, Again, please provide the Santa Barbara Bank & Trust loan statements for November and December 2011! Santa Barbara Bank & Trusts November 30, 2011 Statement is not acceptable! “Your client is asking what his December 2011 payment to Santa Barbara Bank and Trust ("SBBT") should be. I would direct his attention to the Proof of Claim filed by SBBT in Mr. Bookout's bankruptcy proceeding, which states that Mr. Bookout's post-petition payments to Santa Barbara Bank & Trust should be $4,077.32. This amount is based on the recalculated principal balance of $400,962.89 which was determined as a result of Mr. Bookout's pre-petition default of the Forbearance Agreement (which had a fixed interest rate of 6%) resulting in the termination of the interest rate afforded under the Forbearance Agreement.  I have explained this re-calculation process to your client on several occasions.”

Robert Forouzandeh and Diana Jessup Lee, Please explain as to why Santa Barbara Bank & Trust would not let the 631 Lake Street House be sold for a profit of $10,000.00 in 2010? Santa Barbara Bank & Trust in the 2007 forbearance and workout agreement that Robert Forouzandeh has now acknowledged being broken by Santa Barbara Bank & Trust should have never, have taken a second on this house used for business debts from Santa Barbara Bank & Trusts fraudulent SBA Loan Authorization actions in 2003, as seen at www.sbaplploans.com !

Robert Forouzandeh and Diana Jessup Lee, This is again a Written Demand Letter of Santa Barbara Bank & Trust to Rescind the Fraudulent NOD filed on May 19, 2011 on the Oceano Nursery property and the Pismo Beach Property by December 6, 2011!

Please let the Santa Barbara Bank & Trust Board of Directors George Leis, Gerald J. Ford, Carl B. Webb, Richard A. Nightingale, John R. Mackall, Mark K. Olson, D. Vernon Horton, William R. Loomis, Edward E. Birch, Kathy J. Odell, Clayton C. Larson, Gordon J. Wahlgren and Mary Mascolo; Make this Santa Barbara Bank & Trust, banking decision after reviewing the documents at www.santabarbarabankandtrust.co and Robert Forouzandeh’s most recent email communication on November 30, 2011 and November 23, 2011 at www.sbaplploans.com

Sincerely

Bill Bookout

CC KEYT 3 On Your Side

CC Judge Robin L. Riblet---Exhibit # 22

CC Barry A. Cappello Lender Liability

CC Chris Gautschi [sanschromo@yahoo.com]

CC San Luis Obispo District Attorney

CC San Luis Obispo Police Department Case # 111108022

CC Adam D. Kaplan Office of Inspector General OIG complaint ID # 20110484--20120076

From: Bill Bookout [mailto:Pismobeachdiveshop@charter.net]
Sent: Wednesday, November 30, 2011 3:12 PM
To: 'Karen Grant'
Cc: 'Mary Jo Barbeau'; 'Richard Rossi'; 'Chris Gautschi'; 'Diana Lee'; 'Robert Forouzandeh'; 'Kaplan, Adam D.(Off. Inspector Gen.)'; 'danhil@charter.net'; 'Bob Johnston'; 'Ashker, Terrill K.'; 'Thomas Cregger'; 'carlos.mendoza@sba.gov'; 'Hobby, Jill C.'; 'Koznek, Jeff'; 'lol@rsmediate.com'; 'rmiller@newtimesslo.com'; 'econnolly@newtimesslo.com'; 'crigley@newtimesslo.com'; 'ctrimble@pismobeach.org'; 'velie@calcoastnews.com'
Subject: RE: Santa Barbara Bank & Trust Loan Fraud and Breach of Contract SBA PLP Loan # 664-196-4009

November 30, 2011

Santa Barbara Bank & Trust Board of Directors George Leis, Gerald J. Ford, Carl B. Webb, Richard A. Nightingale, John R. Mackall, Mark K. Olson, D. Vernon Horton, William R. Loomis, Edward E. Birch, Kathy J. Odell, Clayton C. Larson, Gordon J. Wahlgren and Mary Mascolo;

Karen L. Grant

California State Bar # 122084

924 Anacapa Street, Ste 1M

Santa Barbara, Ca 93101

1-805-962-4413

Dear Mrs. Karen L. Grant,

Please provide a copy of this response to the Santa Barbara Bank & Trust Board of Directors attached above from Robert Forouzandeh’s November 30, 2011 email below! All documents and communication can be seen at www.sbaplploans.com

Santa Barbara Bank & Trust has still not provided a monthly loan payment statement for November and December 2011 with the changes mentioned by Robert Forouzandeh, in his November 23, 2011 email attached! Santa Barbara Bank & Trust in the 2007 forbearance and workout agreement charged an improper amortized monthly payment of $4,121.06 instead of $3,880.20 per month affecting Oceano Nursery’s business income!

Robert Forouzandeh, has stated below on November 30, 2011. “Your client is asking what his December 2011 payment to Santa Barbara Bank and Trust ("SBBT") should be. I would direct his attention to the Proof of Claim filed by SBBT in Mr. Bookout's bankruptcy proceeding, which states that Mr. Bookout's post-petition payments to Santa Barbara Bank & Trust should be $4,077.32. This amount is based on the recalculated principal balance of $400,962.89 which was determined as a result of Mr. Bookout's pre-petition default of the Forbearance Agreement (which had a fixed interest rate of 6%) resulting in the termination of the interest rate afforded under the Forbearance Agreement.  I have explained this re-calculation process to your client on several occasions. In the May 5, 2011 Santa Barbara Bank & Trust amortization schedule attached, SBBT claimed that the payment in 2007 should have been $4,055.30 without paying any principal from the $22,274.46 five payments as seen attached and at www.sbaplploans.com

Karen L. Grant, Please request the proper Santa Barbara Bank & Trust December 2011 Statement from Santa Barbara Bank & Trust! I am requesting that Judge Robin L. Riblet have a copy of the November and December 2011 Santa Barbara Bank & Trust (Payment Notices), once they have been prepared by Santa Barbara Bank & Trust! Santa Barbara Bank & Trust (Incorrect Interest Rate Adjustments) needs to be reviewed by Judge Robin L. Riblet along with the (Misapplied Payments) since the 2007 forbearance & workout agreement as now put into question by Robert Forouzandeh.

As explained below I have attached for Judge Robin L. Riblet, Santa Barbara Bank & Trusts online accounting from June 18, 2007 showing a balance owed in June of 2007 of $472,823.65 instead of the $487,469.96 claimed by Diana Jessup Lee in the amortization schedule she provided on May 6, 2011 and her May 19, 2011 letter attached. Attached is the June 23, 2007 payment notice showing a balance owed $472,774.05 instead of the $487,469.96 claimed by Diana Jessup Lee as Mr. Forouzandeh, is still using undocumented accounting! Please have Santa Barbara Bank & Trust explain as to why in the 2007 forbearance and workout agreement SBBT had not properly amortized the Oceano Nursery SBA Loan against SBA Form 147 Note?   Robert Forouzandeh, has stated below on November 30, 2011. “Please be advised that pursuant to the terms of Mr. Bookout's loan, the loan will be re-amortized as of January 2012. Due to Mr. Bookout's long running default on this loan, upon re-amortization, the monthly payments will change. Once the loan is re-amortized, I will provide you with the new payment amount which will be applicable for the entire 2012 calendar year.”

Santa Barbara Bank & Trust had the ability to properly amortize the Oceano Nursery SBA Loan in 2007 with the Forbearance Agreement. This could have been done by Santa Barbara Bank & Trust taking the June 23, 2007 (Payment Notice) showing a Loan Balance of $420,024.30 plus the Previous Due of $52,749.75 added together totaling $472,774.05 and then subtracting the $22,274.46 bring a balance down to $450,499.59 and then subtracting the $5,200.00 of principal not accounted for by Santa Barbara Bank & Trust bringing the proper principal owed down to $445,299.59 with a August 1, 2007 monthly payment of $3,880.20 instead of the $4,121.06 charged against SBA Form 147 Note signed on October 6, 2003! Santa Barbara Bank & Trust should not be allowed to make up fraudulent loan figures as presented by Robert Forouzandeh, again on November 30, 2011!

In 2007 Extra Principal Paid was $2,236.82. The SBA loan should have been re amortized in 2007 and 2008 under terms per SBA Form 147 Note, as Mr. Forouzandeh, is claiming will be done in 2012!

In 2008 Extra Principal Paid was $631.52.   The SBA loan should have been re amortized in 2009 under terms per SBA Form 147 Note, as Mr. Forouzandeh, is claiming will be done in 2012!

In 2009 Extra Principal Paid was $473.64. The SBA loan should have been re amortized in 2010 under terms per SBA Form 147 Note, as Mr. Forouzandeh, is claiming will be done in 2012!

Loan Summary Santa Barbara Bank & Trust

Principal:

$445299.59

Interest Rate:

6%

Loan Term:

171 months

Number of Payments:

171

Monthly Payment:

$3,880.20

Total Principal Paid:

$445,299.59

Total Interest Paid:

$218,214.93

Total Paid:

$663,514.52

Santa Barbara Bank & Trust online accounting as of November 20, 2011 showing a Principal Balance of $390,996.91 instead of the Proof of Claim presented to Judge Robin L. Riblet. The Principal balance is not $400,962.89 claimed to Judge Robin J. Riblet.

Notice the Santa Barbara

Loan Summary

Loan Summary

Loan Summary

Loan Summary

Account Activity

Loan Summary Santa Barbara Bank & Trust