A letter was sent to all loan members regarding a change in loan number on October 28, 2004. The letter also lists the loan payment amount which has caused a lot of members to call us when they have a zero balance loan and therefore are wondering why a payment amount is listed. The payment was listed because this is an active account on our system and if they were to use it, their payment would be the amount listed. We are sorry for any confusion that this letter may have caused. However, a lot of members use the payment amount as a way to distinguish between their loans and therefore, we felt that it was necessary to include it in the letter.