Santa Barbara Bank & Trust
Pacific Capital Bancorp Bank Fraud and Breach of Contract

Bank Fraud and Breach of Contract by Santa Barbara Bank & Trust since 2003. Santa Barbara Bank & Trusts Fraud is known to the U.S. Small Business Administration as explained below to the SBA.

Since July Santa Barbara Bank & Trust has been over charging my SBA Loan by $247.00 per monht and this is seen on the website www.sbbtfraud.com This website is set up for the public to review Santa Barbara Bank & Trusts documents and communication in an attempt to resolve their Fraud and Breach of Contract!

Www.sbaquestions.net is another website for the public to see SBA Loan documents changed by Santa Barbara Bank & Trust.

From: Bill Bookout [mailto: Pismobeachdiveshop@charter.net]
Sent: Friday, September 16 4:54 PM
To: 'Carlos. Mendoza@sba. Gov'
Cc: 'john. Manalli@sba. Gov'; 'ombudsman@fdic. Gov'; 'ombudsman@sba. Gov'; 'OIGHotline@sba. Gov'; 'legal@fdic. Gov'
Subject: RE: Santa Barbara Bank & Trust Theft of Principal, Breach of Contract and Mortgage Modification Fraud.

CARLOS G. MENDOZA John Manalli US Small Business Administration
District Director Deputy District Director 409 3rd St, SW
Central California / Fresno Fresno District Office Washington DC 20416
Small Business Administration 801 R. Street, Suite 201
559/487-5785, Ext 2710 Fresno, Ca 93721
800/359-1833, OPTION 6 1559-487-5791 EXT. 2705

Dear Mr. Carlos Mendoza and Mr. John Manalli

RE: Santa Barbara Bank & Trust changing the signed SBA 2003 loan documents after receiving approval from the SBA on August 29.

The California Department of Justice, Attorney General Kamala D. Harris (Kimberly Christophersen) believes that the OCC is the proper agency to resolve Santa Barbara Bank & Trust actions. Please review the SBA Fraud as seen in pdf documents at www.sbaquestions.net and www.californiasba.com

Please review the attached 32 pages of 2003 SBA Fraud committed by Santa Barbara Bank & Trust/First Bank of San Luis Obispo.

Notice the August 29, Authorization (SBA Guaranteed Loan) with two different Page 5s! Please explain how this could be legal with the SBA, per the signed signature of Casey Appell on August 29?

August 28 Hien Hguyan, Senior Loan Officer of the Sacramento SBA Loan Processing Center writes a letter to Clay Appleton per SBA Loan Application. August 29 SBA Sacramento Loan Processing Center Rosa Walton writes Clay Appleton noting that the SBA had received request for Loan Number! August 29 Rosa Walton writes Clay Appleton stating that the SBA had generated PLP 664-196-4009 (RE: Oceano Nursery) Please provide the original documents sent to the SBA per the Oceano Nursery Loan!

Notice the August 27, (Loan Committee Presentation Report) on August 27 and then the one on October 1 (Loan Committee Presentation Report) at www.californiasba.com How can the SBA do a Collateral Modification without doing Environmental investigation on the 470 Price Street property per page 9?

How can SBA lenders change out the middle of their signed documents as seen in the August 29 (Authorization (SBA Guaranteed Loan)?

In the SBA Loan Analysis Presentation dated August 20. How can Santa Barbara Bank & Trust change page 1? Why would the SBA not want to pay off the $300,000.00 balloon payment First on the 470 Price Street property as revised on October 1 as noted on Page four of the changed Santa Barbara Bank & Trust SBA Loan Analysis Presentation dated August 20?

Sincerely

Bill Bookout

US Small Business Administration
409 3rd St, SW
Washington DC 20416

Company: Santa Barbara Bank & Trust
Country: USA
Address: 3451 State Street
Phone: 8055646228
Site: santabarbarabank&trust.com

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