Bank of America Foreclosure Reviews: How the Cover-Up Happened (Part IVB)
This post continues our discussion of how Bank of America and its consultant, Promontory Financial Group, made concerted efforts to ignore and suppress evidence of harm to borrowers who asked for what was supposed to be an independent review of their foreclosure.
Overview of the Bank of America Foreclosure Review Series
As we described in earlier posts in this series (Executive Summary, Part II, Part IIIA, Part IIIB, and Part IV), OCC/Federal Reserve foreclosure reviews meant to provide compensation to abused homeowners were abruptly shut down at the beginning of January as the result of a settlement with ten major servicers. Whistleblowers from the biggest, Bank of America, provide compelling evidence that the bank and its independent consultant, Promontory Financial Group, went to considerable lengths to suppress any findings of borrower harm.
These whistleblowers, who reviewed over 2500 files and tested hundreds more in the attenuated start up period, saw abundant evidence of serious damage to borrowers. Their estimates vary because they performed different tests and thus focused on different records and issues. When asked to estimate the percentage of harm and serious harm they found, the lowest estimate of harm was 30% and the majority estimated harm at or over 90%. Their estimates of serious harm ranged from 10% to 80%.
We found four basic problems:
The reviews showed that Bank of America engaged in certain types of abuses systematically
The review process itself lacked integrity due to Promontory delegating most of its work to Bank of America, and that work in turn depended on records that were often incomplete and unreliable. Chaotic implementation of the project itself only made a bad situation worse
Bank of America strove to suppress and minimize evidence of damage to borrowers
Promontory had multiple conflicts of interest and little to no relevant expertise
We continue our discussion of the third major finding below.
Check it out here…
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February 1, 2013, the same representative from Fifth Third Bank that covered up the Forced Placed Insurance sent me a letter? Enclosed Please follow-up. Thank you! Robert
Have I been left out of any recourse with Fifth Third Bank? I believe they committed FRAUD to no end… Maybe Country-wide, now Bank of America, started my wrongful foreclosure with the PMI they’re charging me and paid Fifth Third Bank to take over questionable loans…. WITHOUT PREJUDICE… My findings below…
EXHIBIT “1”, Countrywide monthly loan statement- 4 pages.
ADDENDUM written to report findings by association of FRAUD and KICKBACKS
Alleged by Fifth Third Bank Mortgage and Country-wide home loans.
1. THIS ADDENDUM hereby supplements the attached Publication concerning the following
Article: Fifth Third Bank sued over alleged kickbacks of mortgage insurance
April 7, 2012 12:00 am http://www.post-gazette.com/stories/busi….
By Rich Lord / Pittsburgh Post Gazette (manuscript title) Key Quote:
“Unknown to the borrowers, Fifth Third had arrangements with the insurers under which they bought “reinsurance” from a subsidiary of the bank called Fifth Third RE, according to the complaint. The reinsurance, it said, was written in a way that the bank assumed little or no risk.
The insurers “had no choice but to enter into virtually identical reinsurance contracts with Fifth Third RE or risk losing business,” the complaint said.”
A Cincinnati-based bank is accused in a lawsuit filed Thursday of taking “disguised, unlawful referral fees” or “kickbacks” from mortgage insurers.
The lawsuit against Fifth Third Bank, several related companies and six mortgage insurers by three borrowers seeks to become a nationwide class action. It appears to be one of several similar suits against banks following a 2009 ruling by the 3rd U.S. Circuit Court of Appeals, in a case by some of the same attorneys who are now suing Fifth Third, that opened the door for such litigation.
The plaintiffs, Christopher Manners of Latrobe and Jamie and Aimee Young of Carbon Cliff, Ill., got mortgages from Fifth Third in 2007, according to the complaint in U.S. District Court.
When homebuyers are unable to make down payments of 20 percent of the home’s purchase price, banks typically require private mortgage insurance on the loan. The bank picks the insurer and arranges for the coverage, against which it makes a claim if the borrower defaults. The borrower pays the premium as part of their mortgage payment.
Fifth Third arranged insurance for Mr. Manners at a cost of $166.80 per month, and for the Young’s for $33.35 per month, according to the complaint.
Unknown to the borrowers, Fifth Third had arrangements with the insurers under which they bought “reinsurance” from a subsidiary of the bank called Fifth Third RE, according to the complaint. The reinsurance, it said, was written in a way that the bank assumed little or no risk.
The insurers “had no choice but to enter into virtually identical reinsurance contracts with Fifth Third RE or risk losing business,” the complaint said.
Fifth Third from 2004 through 2011 got $54 million in reinsurance premium payments from the insurers, and only paid out $4.9 million in claims, according to the complaint. It said that this amounted to “a sham” and a violation of the Real Estate Settlement Procedures Act. RESPA bars lenders from taking referral fees from other parties involved in the loan, the complaint said.
Fifth Third spokeswoman Barbara Grimsley said the bank doesn’t comment on litigation.
Pittsburgh attorney Stephen J. O’Brien and several other lawyers filed the complaint. They could not be reached for comment Friday.
Some of those attorneys — though not Mr. O’Brien — represented plaintiffs in an Eastern Pennsylvania lawsuit against lender Countrywide Financial Corp. and its reinsurance subsidiary that was resolved last year.
That lawsuit was initially dismissed when Countrywide argued that the contracts between its subsidiary and the private mortgage insurers didn’t result in any overcharges to consumers. But the 3rd Circuit found that RESPA could be violated even if there were no overcharges.
That lawsuit was settled with the creation of a $34 million settlement fund to cover payments to Countrywide borrowers and the attorneys.
Rich Lord: rlord@post-gazette.com or 412-263-1542.
First Published 2012-04-07 04:08:47
2. Other parties, alleged Publications supplemented to this Addendum are:(corresponding author) Parties alleged guilt by Association:
The several denials for modifications by Country-wide, than Fifth Third Bank approval and all the exaggerated documents like Appraisal, Credit, and later Forced Placed insurance, than covering it up as it was never on record. Now because of the OCC dispute. I received a Letter from the very person at FITH THIRD BANK that covered up the “Forced Placed Insurance, Fraud they did to me”. They need to give my home back to me with comp! Without prejudice!
Robert Tatge Feb 6, 2013
(Date) August 22, 2008 Hassan Nagi Indicted in $1.9 Million Michigan Mortgage Fraud Scheme A federal grand jury in Michigan has indicted four men–including a mortgage broker and an appraiser–for allegedly running a $1.9 million real estate/mortgage fraud scheme. Hassan Nagi, 30, of Dearborn Heights, Michigan; Ali Haidous, 24, of Dearborn; Safi Bzeih, 35, of Dearborn; and Hussein Aoun, 23, of Dearborn Heights reportedly conspired to secure fraudulent mortgages from Countrywide Bank, Washington Mutual, Fifth Third Bank, Indy Mac Federal Bank, Net Bank, and Sun Trust for more than 15 properties between April 2005 and April 2008.
The indictment alleges that Hassan Nagi worked as a mortgage broker and was responsible for submitting false and fraudulent applications to obtain the mortgages. Ali Haidous was a real estate appraiser who provided fraudulent appraisals for the properties. Bzeih and Aoun recruited sellers and straw buyers for the properties.
According to the indictment, after the Nagi and Haidous identified a willing seller of a property, Nagi secured financing for a straw buyer. False income and employment information was provided to the lender using fraudulent W-2 forms. In support of each loan, Nagi also submitted an inflated appraisal, created by Haidous.
After the inflated mortgage was funded at closing, the seller received sufficient funds to pay off any existing mortgage as well as a bonus for participating in the real estate fraud scheme. The remainder of the proceeds from the inflated mortgage were shared between Hassan Nagi, Ali Haidous and one of the straw buyers.
Nagi, Haidous, and Bzeih were expected to appear in federal court before Magistrate Judge Virginia Morgan yesterday afternoon, for their initial appearances and arraignment on the indictment. Hussein Aoun is a fugitive in Lebanon. The case is being prosecuted by Assistant U.S. Attorney Leonid Feller.
Posted By: Ralph Roberts @ 9:07 pm | | Comments (0) | Trackback |
Filed under: Countrywide, Fifth Third Bank, Indy Mac, Michigan, Mortgage Fraud, Net Bank, Real Estate Fraud, Sun Trust, Washington Mutual
3. ASSOICATION GUILT: February 14, 2010
Kurt Heintz Broker and Appraiser Sentenced for Multi-Million Dollar Mortgage Fraud Scheme Former Flint Area Real Estate Broker and Appraiser Sentenced for Multi-Million Dollar Mortgage Fraud Scheme
Kurt Warren Heintz, age 39, of Grand Blanc, Michigan, formerly the owner of Great Lakes Broker Funding in Grand Blanc, Michigan, was sentenced on Wednesday, February 10, 2010, to 65 months in the custody of the Bureau of Prisons on one count of Financial Institution Fraud in violation of Section 1344 of Title 18 of the United States Code. Sentenced at the same time was James Fish, age 41, of Royal Oak, Michigan, formerly a licensed real estate broker in the State of Michigan, who was sentenced to serve 30 months in the custody of the Bureau of Prisons on one count of Financial Institution Fraud in violation of Section 1344 of Title 18 of the United States Code.
The sentences were announced today by United States Attorney Barbara L. McQuade. Ms. McQuade was joined in the announcement by Andrew G. Arena, Special Agent in Charge, Federal Bureau of Investigation, Detroit Field Office. The sentences were imposed by the Honorable Sean F. Cox, United States District Judge sitting in Detroit.
On February 6, 2009 and February 4, 2009, respectively, Mr. Heintz and Mr. Fish pleaded guilty to a one-count Information charging that they had devised and executed a scheme to defraud Indy Mac Bank though the use of a fraudulent mortgage loan application based on a false and inflated property appraisal. Although Mr. Heintz and Mr. Fish pleaded guilty to one count of Financial Institution Fraud, they agreed to be held responsible for the full extent of their scheme to defraud financial institutions in the Flint metropolitan area. This scheme to defraud began in May of 2005 and continued through 2007. In addition to Indy Mac Bank the victim financial institutions included, Fifth Third Bank, Bank of America, Independent Bank, Mercantile Bank, and Union Federal Bank. The Federal Bureau of Investigation conducted of a review of the mortgages obtained in the course of this scheme to defraud and calculated the loss to these and other lending institutions at more than $14.4 million.
In sentencing Heintz and Fish, Judge Cox carefully reviewed and summarized the facts of the case, as well as the background and circumstances of each defendant. Judge Cox expressed his “shock” that Mr. Heintz had chosen to devise and commit such a serious and devastating crime. In sentencing Mr. Fish, Judge Cox said his sentenced had been heavily influenced by the fact that Fish had stolen the identity of other appraisers and used them on fraudulent appraisals. In addition to the millions of dollars lost by lending institutions, Judge Cox noted the devastation caused to entire neighborhoods, the financial cost to unsuspecting purchasers and the damaged and destroyed careers of innocent appraisers.
In addition to their custodial sentences, Mr. Heintz was ordered to pay, jointly and severally with Mr. Fish, $14,467,546.50 in restitution to various financial institutions, and Mr. Fish was ordered to pay, jointly and severally with Mr. Heintz, $4,992,400. Each was ordered to pay a $100 special assessment and must serve three years of supervised release upon the completion of their custodial terms.
FBI Special Agent in Charge Arena said that, “These charges and sentences underscore the seriousness with which the United States Attorney’s Office, the Federal Bureau of Investigation, area financial institutions, as well as other local, state and federal law enforcement agencies and regulators, view allegations of mortgage fraud. Mortgage fraud continues to have significant and devastating consequences for the Michigan economy. It is important that investors, consumers and real estate professionals, as well as the public in general, recognize that schemes to defraud involving mortgages and real estate transactions will result in the incarceration of the offenders.”
Posted By: Ralph Roberts @ 9:22 pm | | Comments (0) | Trackback |
Filed under: Uncategorized
ADDENDUM written to report findings by association of FRAUD and KICKBACKS
Alleged by Fifth Third Bank, Mortgages and Country-wide home loans.
1. THIS ADDENDUM hereby brings concerning to the following
Article: Fifth Third Bank sued over alleged kickbacks of mortgage insurance
April 7, 2012 12:00 am http://www.post-gazette.com/stories/busi….
By Rich Lord / Pittsburgh Post Gazette (manuscript title) Key Quote:
“Unknown to the borrowers, Fifth Third had arrangements with the insurers under which they bought “reinsurance” from a subsidiary of the bank called Fifth Third RE, according to the complaint. The reinsurance, it said, was written in a way that the bank assumed little or no risk.
The insurers “had no choice but to enter into virtually identical reinsurance contracts with Fifth Third RE or risk losing business,” the complaint said.”
A Cincinnati-based bank is accused in a lawsuit filed Thursday of taking “disguised, unlawful referral fees” or “kickbacks” from mortgage insurers.
The lawsuit against Fifth Third Bank, several related companies and six mortgage insurers by three borrowers seeks to become a nationwide class action. It appears to be one of several similar suits against banks following a 2009 ruling by the 3rd U.S. Circuit Court of Appeals, in a case by some of the same attorneys who are now suing Fifth Third, that opened the door for such litigation.
The plaintiffs, Christopher Manners of Latrobe and Jamie and Aimee Young of Carbon Cliff, Ill., got mortgages from Fifth Third in 2007, according to the complaint in U.S. District Court.
When homebuyers are unable to make down payments of 20 percent of the home’s purchase price, banks typically require private mortgage insurance on the loan. The bank picks the insurer and arranges for the coverage, against which it makes a claim if the borrower defaults. The borrower pays the premium as part of their mortgage payment.
Fifth Third arranged insurance for Mr. Manners at a cost of $166.80 per month, and for the Young’s for $33.35 per month, according to the complaint.
Unknown to the borrowers, Fifth Third had arrangements with the insurers under which they bought “reinsurance” from a subsidiary of the bank called Fifth Third RE, according to the complaint. The reinsurance, it said, was written in a way that the bank assumed little or no risk.
The insurers “had no choice but to enter into virtually identical reinsurance contracts with Fifth Third RE or risk losing business,” the complaint said.
Fifth Third from 2004 through 2011 got $54 million in reinsurance premium payments from the insurers, and only paid out $4.9 million in claims, according to the complaint. It said that this amounted to “a sham” and a violation of the Real Estate Settlement Procedures Act. RESPA bars lenders from taking referral fees from other parties involved in the loan, the complaint said.
Fifth Third spokeswoman Barbara Grimsley said the bank doesn’t comment on litigation.
Pittsburgh attorney Stephen J. O’Brien and several other lawyers filed the complaint. They could not be reached for comment Friday.
Some of those attorneys — though not Mr. O’Brien — represented plaintiffs in an Eastern Pennsylvania lawsuit against lender Countrywide Financial Corp. and its reinsurance subsidiary that was resolved last year.
That lawsuit was initially dismissed when Countrywide argued that the contracts between its subsidiary and the private mortgage insurers didn’t result in any overcharges to consumers. But the 3rd Circuit found that RESPA could be violated even if there were no overcharges.
That lawsuit was settled with the creation of a $34 million settlement fund to cover payments to Countrywide borrowers and the attorneys.
Rich Lord: rlord@post-gazette.com or 412-263-1542.
First Published 2012-04-07 04:08:47
2. Other parties, alleged Publications supplemented to this Addendum are:(corresponding author)
Parties alleged guilt by Association: The several denials for modifications by Country-wide, than Fifth Third Bank approval and all the exaggerated documents like Appraisal, Credit, and later Forced Placed insurance, than covering it up as it was never on record. Now because of the OCC dispute. I received a Letter from the very person at FITH THIRD BANK that covered up the “Forced Placed Insurance, Fraud they did to me”. They need to give my home back to me with comp! Without prejudice!
Robert Tatge Feb 6, 2013
(Date) August 22, 2008 Hassan Nagi Indicted in $1.9 Million Michigan Mortgage Fraud Scheme A federal grand jury in Michigan has indicted four men–including a mortgage broker and an appraiser–for allegedly running a $1.9 million real estate/mortgage fraud scheme. Hassan Nagi, 30, of Dearborn Heights, Michigan; Ali Haidous, 24, of Dearborn; Safi Bzeih, 35, of Dearborn; and Hussein Aoun, 23, of Dearborn Heights reportedly conspired to secure fraudulent mortgages from Countrywide Bank, Washington Mutual, Fifth Third Bank, Indy Mac Federal Bank, Net Bank, and Sun Trust for more than 15 properties between April 2005 and April 2008.
The indictment alleges that Hassan Nagi worked as a mortgage broker and was responsible for submitting false and fraudulent applications to obtain the mortgages. Ali Haidous was a real estate appraiser who provided fraudulent appraisals for the properties. Bzeih and Aoun recruited sellers and straw buyers for the properties.
According to the indictment, after the Nagi and Haidous identified a willing seller of a property, Nagi secured financing for a straw buyer. False income and employment information was provided to the lender using fraudulent W-2 forms. In support of each loan, Nagi also submitted an inflated appraisal, created by Haidous.
After the inflated mortgage was funded at closing, the seller received sufficient funds to pay off any existing mortgage as well as a bonus for participating in the real estate fraud scheme. The remainder of the proceeds from the inflated mortgage were shared between Hassan Nagi, Ali Haidous and one of the straw buyers.
Nagi, Haidous, and Bzeih were expected to appear in federal court before Magistrate Judge Virginia Morgan yesterday afternoon, for their initial appearances and arraignment on the indictment. Hussein Aoun is a fugitive in Lebanon. The case is being prosecuted by Assistant U.S. Attorney Leonid Feller.
Posted By: Ralph Roberts @ 9:07 pm | | Comments (0) | Trackback |
Filed under: Countrywide,Fifth Third Bank,IndyMac,Michigan,Mortgage Fraud,Net Bank,Real Estate Fraud,Sun Trust,Washington Mutual
. Other parties, alleged Publications supplemented to this Addendum are:(corresponding author)
Parties alleged guilt by Association: The several denials for modifications by Country-wide, than Fifth Third Bank approval and all the exaggerated documents like Appraisal, Credit, and later Forced Placed insurance, than covering it up as it was never on record. Now because of the OCC dispute. I received a Letter from the very person at FITH THIRD BANK that covered up the “Forced Placed Insurance, Fraud they did to me”. They need to give my home back to me with comp! Without prejudice!
Robert Tatge Feb 6, 2013
Robert L. Tatge
13100 Skyline Drive
P.O. Box 363
Spicer, MN. 56288
Fifth Third Bank
Kevin T. Kabat, President & CEO Fax 513-358-3493 Madisonville Operations Center
MD1MOC2N
Cincinnati, OH. 45263
Dear President Mr. Kabat:
RE: Mortgage Loan: 404876203 Three situations occurred during the Foreclosure process that I believe were important, illegal and unfairly place on me, therefore to consider this Foreclosure invalid.
* Forced Placed Hazard Insurances, $500.00 per month.
* Mortgage Broker manipulation of appraisal, loan application, and my credit. * Conflicting and imbeciles’ amount stated on the Foreclosure Notices.
Gentlemen, I’m writing this letter to explain to you some of the discrepancy during the Foreclosure process that I had to go through. There are three that really brought the Foreclosure to a head. The one that actually broke my back was the Forced Placed Hazard Insurances, $500.00 more a month when I was living on pay-check to pay-check. The additional charge forced me to cash in stock and part of my 401K retirement plan, paying the extra taxes that went along with the process. After paying many months with the addition charges, I started to lose ground. Until recently I knew, I had insurance since the original mortgage with Country-wide Home Loans, and it was required for the loan with Fifth Third Bank. Just lately, I was with my Lawyer, we called, Pioneer Heritage Insurance, PO Box 716, Spicer, MN. 56288, phone# (320) 796-2169. Gentlemen, they stated I had continued and uninterrupted insurance on the property and they fax over the proof: Exhibit” A”. The reason this was wrong, was that I had insurance and Fifth Third Bank paid for it out of my Escrow every year since origination of the Home Loan Mortgage, Fifth Third Bank approved for me.
My original home mortgage loan made by FIFTH THIRD BANK was signed by me, Robert L. Tatge (a single person) on January 4, 2008 for $310,000.00 @ 6.375% for 30years on a refinanced loan made prior with COUNTRY-WIDE HOME LOANS back on JUNE 12, 2002, for $178,817.91 @ 7% for 30 years.
The second problem that throws up a red flag is the mortgage broker that put the loan application together for our approvals. I’m not sure of his name, and you probably could help me out with that. He said, He could improve my credit, and I could take cash out, that was very cheap money, because of the high equity I had in my home. This was highly suspicious, not taking into consideration my age or ability to pay the extra money back. Now that I look back, he found and new ways to derive benefit by manipulation. My home was built year 1975: (The TRUTH 1900). Appraisal manipulation, to my understanding this broker wasn’t satisfied with the first appraisal from: Forsythe Appraisals, LLC, 54 28th avenue North, St. Cloud, MN. 56303 Phone 320-259-8958 He asked the appraiser to treat the property like it was on Lake Minnetonka, so the second time it came in at $420,000. It satisfied the loan guidelines. Then he sent me two checks, one he asked if I would destroy, I did, the other I cashed:
Exhibit “B,” (He said, he had other companies,) that’s why the check was drawn on: MJC ENTERPRISES LLC, 5115 EXCELSIOR BLVD., SUITE 422, SAINT LOUIS PARK, MN 55416
This was unfair because my property tax statements for years 2007 through 2009 stated: MARKET VALUE ESTIMATED $324,700 IN 2007/2008 which is $95,300 less than appraisal. The second property tax statement for years 2008/2009 which is $92,000 less than appraisal.
I ask for a modification JUNE, 2009 and was denied because of insufficient income; I keep up my requests and hired a lawyer, Avi Liss, Liss Law, LLC., Hereford Street, Boston, MA, 02115 (W) phone 617-778-0363 Finely brought me a modification on August 1, 2009 (lawyer said it was the Best he could do!) Loan Amount $327,410.93 @ 5.375% for 40 years, graduated principal by $17,410, lowered interest by 1%, making the pay off difference before the modification the principal was $310,000,00 interest $386,238.81 = $696,238.81… New Modified Mortgage 40 years, principal $327,410.93, interest $489,836.12 = $817,247,247.05… The difference of $121,008.24 it was Unaffordable, I signed it at the Lawyers suggestion. Beginning with the payment due 08/01/2009 monthly Including escrow were $2,135.51 Knowing this modification wasn’t something I could afford , I asked for HELP, A FORBEARENCE PLAN was offered: Exhibit “C,”: The “Forbearance Plan” offered: The due dates were set-up all wrong.
The third misrepresentation and final stress, on all FORECLOSURE NOTICE’S sent out by the Lawyers representing Fifth third BANK: Usset, Weingarden & Liebo, PLLP, 4500 PARK GLEN RD, #300, MINNEAPOLIS, MN 55416, PHONE 952-925-6888, Knowingly this is information sent to the lawyers from Fifth Third Bank, mislead the mortgagee.
Exhibit “D,” Multiple & Conflicting Dollars amounts in Default on “Foreclosure notice” making it impossible for Mortgagee to understand what they meant and get help if needed.
#1: March 9, 2009 $12,880.19
#2: March 9, 2009 $15,276.19
Exhibit “E:” Multiple & Conflicting Dollars amounts in Default on “Foreclosure notice” making it impossible for Mortgagee to understand what they meant and get help if needed.
#1: March 22, 2011 Fifth Third Bank said I owed $2,365.80 to reinstate mortgage.
#2: March 22, 2011 Fifth Third Bank said I owed $3,874.40 to reinstate mortgage.
#3: March 22, 2011 Fifth Third Bank said I owed $35,100.90 to reinstate mortgage.
.
I had a 3 Hernia Operation on August 5, 2011 @ the VA Hospital in Minneapolis, MN.
I had to stay in the hospital because I was on a Vac healing machine that restricted my staying in the hospital and their rules. Outside contact was difficult. I still have a home health nurse that comes to my home every Wednesday until Mid-April. Fifth Third Bank knew of my operation and still proceeded with the foreclosure by having the sheriff’s Sale on Nov 16, 2011.
The information the broker collected was suspicious, wrong, and different, I realize now. Forced Hazard Insurance should been follow-up at enforcement. And I just do not understand the lesser amounts to reinstate the mortgage, it was confusing on the Foreclosure Notices and made it impossible to redeem, also difficult to sell.
Discussion: When my dream home was foreclosed on, my heart was broken. I try my best with circumstances beyond my control. I hope you would look into this matter. I still care for this home. I’m writing because the Office of the Comptroller of the Currency (OCC) recommends that I should attempt to resolve my complaint with FIFTH THIRD BANK first.
Without prejudice
Mr. Robert L. Tatge March 27, 2012
E-MAIL: robtat@peoplepc.com
Cc: Usset, Weingarden &Liebo, PLLP, Attn; Amy Van Zummeren @ FAX: 952-925-5879
Cc: Independent Foreclosure Review (occ), (Letter) PO BOX 2587, Fairbault, MN 55021-9981
Attn: Paul-Allen Bixler, Regulatory Support Specialist Office of the President: Fax 513-358-3493
Cc: Office of Minnesota Attorney General, Lori Swanson, Honorable: Bill Gosiger, File: 439011, FAX 651.282.2155
Cc: Jerome A. Ritter Attorney at Law, FAX: 651-222-1263