Weekly Bulletin
March 28, 2008
SECTION I
This section records the receipt of applications and notices to the Banking Department. Applications and notices received by the Foreign and Wholesale Banks, Community and Regional Banks and Licensed Financial Services Divisions are listed in order of date of receipt; applications and notices received by the Mortgage Banking Division are listed at the end of Section I by type of application or notice. THE WEEKLY BULLETIN CONSTITUTES THE ONLY WRITTEN NOTIFICATION OF THESE SUBMISSIONS THAT WILL BE ISSUED BY THE BANKING DEPARTMENT. Any comment on, or objection to, any item contained in this Weekly Bulletin should be presented to the Banking Department within 10 calendar days of the date of this bulletin, unless a different time period is specified in the item. More specifically, such comments or objections, including any that concern CRA-related applications, should be either (a) delivered by mail or in person to The Secretary of the New York State Banking Board, One State Street, New York, New York 10004-1417 before the stated deadline or (b) transmitted by e-mail to BBSecretary@banking.state.ny.us. To view only those current and pending Section I applications and notices which are CRA-related, please click here.
SECTION II
This section records actions taken by the Superintendent of Banks and/or the Banking Board, and other information concerning the activities of the Banking Department. Actions relating to institutions supervised by the Foreign and Wholesale Banks, Community and Regional Banks and Licensed Financial Services Divisions are listed in order of date of action; actions relating to institutions supervised by the Mortgage Banking Division are listed at the end of Section II by type of action taken.
SECTION III
This section provides notification of the filing by federally-chartered institutions of applications for new branches to be located in New York received from Mr. Toney Bland, Deputy Comptroller, Office of the Comptroller of the Currency, 340 Madison Avenue, 5th Floor, New York, NY 10017 and Mr. Brian Steffey, Office of Thrift Supervision, Harborside Financial Center Plaza Five, Suite 1600, Jersey City, NJ 07311. Any comment or objection in relation to any application in Section III should be communicated immediately to the supervisor of the institution involved, with a copy furnished to this office. This section is provided as a courtesy to New York State-regulated banking institutions; additional information relating to federally-chartered institutions is available in the Office of the Comptroller of the Currency’s Weekly Bulletin or its Web site: http://www.occ.treas.govand via the Office of Thrift Supervision’s Web site at: http://www.ots.treas.gov.
GENERAL INFORMATION
Each item in the Weekly Bulletin is identified by a two-letter code indicating the type of institution and a three-letter code indicating the Banking Department Division which has supervisory responsibility for the institution. The following is a list of the codes and their meanings:
Institution Codes |
|
BK = Bank |
FB = Foreign Branch |
Division Codes
FWB = Foreign and Wholesale Banks Division
CRB = Community and Regional Banks Division
LFS = Licensed Financial Services Division
MBD = Mortgage Banking Division
CSD = Consumer Services Division
SECTION I
March 20, 2008 (MS-CRB)
SALISBURY BANK AND TRUST COMPANY
5 Bissell Street, Lakeville, CT 06039
Application dated March 13, 2008 for permission to open and occupy a branch office at 87 Main Street, Millerton, Dutchess County, NY 12546, received.
The comment period for this item will expire on April 7, 2008.
March 21, 2008 (CC-LFS)
AMITYVILLE PAYROLL SERVICE, INC.
58 East Suffolk Avenue, Central Islip, New York 11722
An application was received for a license to operate a limited station casher of checks at Industrial Threaded Products Corp., 56 Penataquit Avenue, Bay Shore, NY 11788.
The publication of receipt of these applications does not indicate that the applications are deemed complete. An application is deemed complete and filed when all required and requested information has been provided to the Department by the applicant.
Any public response is to be given within ten business days.
March 24, 2008 (CC-LFS)
REPUBLIC CAPITAL GROUP, LLC
5519 New Utrecht Avenue, Brooklyn, NY 11219
An application was received for a license to engage in business as a commercial casher of checks at 1440 Forest Avenue, Store #8, Staten Island, NY 10302.
The publication of receipt of this application does not indicate that the application is deemed complete. An application is deemed complete and filed when all required and requested information has been provided to the Department by the applicant.
Any public response is to be given within ten business days.
March 26, 2008 (MS-FWB)
ARMOR HOLDING II LLC
New York, NY
Application, pursuant to Section 143-a of the Banking Law, for approval of the Superintendent of Banks, to acquire all the capital stock of American Stock Transfer & Trust Company, New York, NY, received.
The comment period for this item will expire on April 7, 2008.
March 26, 2008 (CC-LFS)
AMITYVILLE PAYROLL SERVICE, INC.
58 East Suffolk Avenue, Central Islip, New York 11722
An application was received for a license to operate a limited station casher of checks at Metpar Corp., 95 State Street, Westbury, NY 11590.
The publication of receipt of this application does not indicate that the application is deemed complete. An application is deemed complete and filed when all required and requested information has been provided to the Department by the applicant.
Any public response is to be given within ten business days.
March 26, 2008(CC-LFS)
NANCY BENEDETTO
Rochester, NY 14626
An application for a change of control of 593 Broad Street West, Inc., a licensed casher of checks, was received.
The publication of receipt of this application does not indicate that the application is deemed complete. An application is deemed complete and filed when all required and requested information has been provided to the Department by the applicant.
Any public response is to be given within ten business days
March 26, 2008 (CC-LFS)
RENEE PALOZZI
Pittsford, NY 14534
An application for a change of control of 593 Broad Street West, Inc., a licensed casher of checks, was received.
The publication of receipt of this application does not indicate that the application is deemed complete. An application is deemed complete and filed when all required and requested information has been provided to the Department by the applicant.
Any public response is to be given within ten business days
March 26, 2008 (CC-LFS)
RICHARD BENEDETTO
Henrietta, NY 14467
An application for a change of control of 593 Broad Street West, Inc., a licensed casher of checks, was received.
The publication of receipt of this application does not indicate that the application is deemed complete. An application is deemed complete and filed when all required and requested information has been provided to the Department by the applicant.
Any public response is to be given within ten business days
March 27, 2008 (BP-LFS)
ELIMIDEBT MANAGEMENT SYSTEMS, INC.
1800 Pembrook Drive, Suite 290, Orlando, FL 32810-6379
A notification of a change of address of a branch office to 1122 Franklin Avenue, Suite 406, Garden City, NY 11530 from One Huntington Quadrangle, Suite 3507, Melville, NY 11747 was received.
The publication of receipt of this notification does not indicate that the notification is deemed complete. The notification is deemed complete and filed when all required and requested information has been provided to the Department by the licensee.
Application to engage in the business of a Mortgage Broker under Article 12-D of the New York State Banking Law received for examination:
March 20, 2008 (BR-MBD)
Applicant(s)
Rozanna Ferozin Beaumont
As: Rozanna F. Beaumont
115 Arthur Avenue, Floral Park, NY 11001
March 21, 2008 (BR-MBD)
Applicant(s)
Ivan Wentworth Duncan
As: Wentworth Mortgage Partners, Inc.
2160 Hempstead Turnpike, 2nd Floor, East Meadow, NY 11554 1855
March 26, 2008 (BR-MBD)
From: Applicant(s)
Jeffrey Thomas Seabold
As: CS Financial, Inc.
9595 Wilshire Boulevard, Suite 801, Los Angeles, CA 90212
To: CS Financial, Inc.
9595 Wilshire Boulevard, Suite 801, Beverly Hills, CA 90212
Mortgage Broker Certificate Name Change Received:
March 26, 2008 (BR-MBD)
From: Global Marketing Corporation of Charlotte
To: CHL Direct in lieu of true name Citizens Home Loan Inc.
Application received pursuant to Section 594-b of the New York Banking Law and Part 410 of the Superintendent's Regulations for a control interest:
March 25, 2008 (BR-MBD)
Applicant(s)
Carl Christian Nielsen
To acquire interest in:
King Mortgage Corp.
65 Willowbrook Boulevard, Wayne, NJ 07470
March 25, 2008 (BR-MBD)
Applicant(s)
Jonathan Allan Bardram
To acquire interest in:
Coltrain Funding Group LLC
140 Fell Court, Suite 108, Hauppauge, NY 11788 4379
Application received pursuant to Section 590(5-a) of the New York State Banking Law to act as an FHA Mortgage Loan Correspondent:
March 26, 2008 (BR-MBD)
R.B.I. Associates, Ltd.
1888 Bellmore Avenue, Bellmore, NY 11710 1632
Applications received for authorization as a Mortgage Loan Originator under Article 12-E of the New York State Banking Law. Each Individual listed may engage in mortgage loan origination activities on a temporary basis until such time as the Superintendent approves or denies his/her application or the application is withdrawn.
January 18 2008 |
Gregory A Nellis |
Albany |
NY |
January 23 2008 |
Annette Sandra Levinson |
Patchogue |
NY |
January 23 2008 |
Gregory Perrotta |
Merrick |
NY |
February 11 2008 |
Edward Andes Didomenico |
Valley Cottage |
NY |
February 14 2008 |
Christopher A Wisniewski |
Lower Gwynedd |
PA |
February 19 2008 |
Brian David Harris |
Briarwood |
NY |
February 19 2008 |
Patricia Frank |
Southampton |
NY |
February 22 2008 |
Claudia Veronica Sorto |
Medford |
NY |
February 25 2008 |
Jeffrey Mark Greenberg |
Wayne |
NJ |
March 05 2008 |
Dianne Marie Gerrie |
Webster |
NY |
March 10 2008 |
Patricia Anne Call |
Geneseo |
NY |
March 11 2008 |
David Rahimian |
Dracut |
MA |
March 13 2008 |
Robert Craig Fidelman |
Dix Hills |
NY |
March 17 2008 |
Matthew Mark Schermerhorn |
Rochester |
NY |
March 17 2008 |
Philip James Caporusso |
Melville |
NY |
March 17 2008 |
Glenn Mack |
Brooklyn |
NY |
March 17 2008 |
Charles E M Johnson |
Cairo |
NY |
March 18 2008 |
Joseph L Dente |
Commack |
NY |
March 20 2008 |
Steven Weiss |
Hewlett |
NY |
March 20 2008 |
William Robert Hollander |
East Patchogue |
NY |
March 20 2008 |
Bonnie Hunt Murphy |
Bellmore |
NY |
March 20 2008 |
Tammy Perrotta |
Oceanside |
NY |
March 20 2008 |
Sung Soo Kim |
Syosset |
NY |
March 20 2008 |
Russell L James Sr. |
Roosevelt |
NY |
March 20 2008 |
Michael Joseph Clark |
Freehold |
NJ |
March 21 2008 |
Oleg Raitses |
Miller Place |
NY |
March 21 2008 |
Robert Cassato |
Queens |
NY |
March 21 2008 |
Albert Aronow |
Plainview |
NY |
March 21 2008 |
Victor Pascale |
Stony Brook |
NY |
March 21 2008 |
Thomas Rocco |
Babylon |
NY |
March 21 2008 |
Michael Luis Rosado |
Elkton |
MD |
March 21 2008 |
John Ryan Hurlbut |
New York |
NY |
March 21 2008 |
Lisa Marie Durand |
Ballstone Lake |
NY |
March 21 2008 |
Gwendolyn Annette Spann |
Sicklerville |
NJ |
March 21 2008 |
Henry Barry Kaplan |
Long Beach |
NY |
March 21 2008 |
Nick Katradis |
Tenafly |
NJ |
March 21 2008 |
Alex Himargios |
Flushing |
NY |
March 21 2008 |
Elena Juirova |
Miller Place |
NY |
March 25 2008 |
James Anthony Laurenzo |
Syracuse |
NY |
SECTION II
March 18, 2008 (SF-LFS)
JUST IN TIME, INC.
3901 Dallas Parkway, Plano, TX 75093
License to engage in business as a sales finance company at 3801 Vestal Parkway, Vestal, Broome County, NY 13850, was surrendered.
March 19, 2008 (CC-LFS)
College Point Check Cashing Incorporated
18-30 College Point Boulevard, College Point, NY 11356
License to engage in business as casher of checks at 80-21 37th Avenue, Jackson Heights, NY 11372 was surrendered.
March 19, 2008 (CC–LFS)
POM-CLB CHECK CASHING, INC.
711 Fifth Avenue, 5th Floor, New York, NY 10022
A license was issued to engage in the business as a licensed casher of checks at 581 Fourth Avenue, Brooklyn, NY 11215.
March 19, 2008 (CC–LFS)
POM-CLB CHECK CASHING, INC.
711 Fifth Avenue, 5th Floor, New York, NY 10022
A license was issued to engage in the business as a licensed casher of checks at 1500 Bruckner Boulevard, Bronx, NY 10473.
March 21, 2008 (CC-LFS)
CEBCO CHECK CASHER CORP.
369 Palmetto Street, Brooklyn, New York 11237
Licenses to engage in business as casher of checks at the following limited stations were surrendered:
- Arlington Press Inc., 191 Harrison Avenue, Brooklyn, NY 11206
- Cosmetics Components Packaging Corp., 88-05 76th Avenue, Glendale, New York 11385
- Empire State Metal Products, 101-10 Jamaica Avenue, Jamaica, NY 11418
- Favorite Plastics, 1465 Utica Avenue, Brooklyn, NY 11234
- Hallmark Electrical Supplies Corp., 542 Wortman, Avenue, Brooklyn, NY 11208
- Optical Technologies Corp., 47-00 33rd Street, Long Island City, New York 11101
- Chardan Inc. d/b/a Perfect Art, 58-29 48th Street, Maspeth, New York 11378
- Brick & Ballerstein, Inc., 1085 Irving Avenue, Ridgewood, New York 11385
- Long Island Automotive Group, 124 Green Avenue, Amityville, NY 11701
- Kingform Cap Company, 121 New South Road, Hicksville, N.Y. 11801
- Todisco Jewelry Co., Inc., 33-00 Northern Blvd. Suite 700, Long Island City, N.Y. 11101
March 21, 2008 (CC–LFS)
POM-CLB CHECK CASHING, INC.
711 Fifth Avenue, 5th Floor, New York, NY 10022
A license was issued to engage in the business as a licensed casher of checks at 2193 Bedford Avenue, Brooklyn, NY 11226.
March 24, 2008 (SB-CRB)
NEW YORK COMMUNITY BANK
136-65 Roosevelt Avenue, Flushing, NY 11354
Authorization granting permission to open and occupy a branch office in Pathmark Supermarket, 227 Cherry Street, Borough of Manhattan, City of New York 10002, surrendered for cancellation.
Office discontinued as of January 31, 2008.
March 25, 2008 (CC-LFS)
NY COMMERCIAL FINANCE CORP.
100 Broadway, Brooklyn, NY 11211
Temporary license to conduct business as a commercial check casher under Article IX-A of the New York State Banking Law, extended. The temporary license is good for 30 days only, unless otherwise extended by the Superintendent of Banks.
March 26, 2008 (TM-LFS)
Latinvest Holdings II, Inc.
3025 Cypress Pond Pass, Duluth, GA 30097
An application for the Superintendent’s prior approval for a change of control of Remesas Quisqueyana, Inc., a licensed transmitter of money, pursuant to Article XIII-B of the Banking Law, Section 652-a, was approved.
March 31, 2008 (TM-LFS)
Interpayment services limited
c/o Travelex Canada Limited, 100 Yonge Street, 15th Floor, Toronto, ON M5C 2W1 Canada
License to engage in business as a licensed transmitter of money was surrendered.
Certificate issued to engage in the business as a Mortgage Broker under Article 12-D of the New York State Banking Law:
March 26, 2008 (BR-MBD)
Zosimo G. Lerum, Jr.
2884 Wilkinson Avenue, 1st Floor, Bronx, NY 10461
License issued to engage in the business of a Mortgage Banker under Article 12-D of the New York State Banking Law:
March 25, 2008 (MB-MBD)
Sistar Mortgage Company In Lieu of True Name SI Mortgage Company, Inc.
51650 Oro Road, Shelby Township, MI 48315 2933
Certificate issued to engage in the business as a Mortgage Broker Branch under Article 12-D of the New York State Banking Law:
March 26, 2008 (BR-MBD)
Full Service Branch
Genesis Home Mortgage Corp.
906 Washington Avenue, Suite 1B, Albany, NY 12203
March 26, 2008 (BR-MBD)
Full Service Branch
Coltrain Funding Group LLC
140 Fell Court, Suite 116, Hauppauge, NY 11788
Application approved pursuant to Section 590(5-a) of the New York State Banking Law to act as an FHA Mortgage Loan Correspondent:
March 24, 2008 (BR-MBD)
Hope Funding Group, Inc.
878 East Jericho Turnpike, Huntington, NY 11746
March 26, 2008 (BR-MBD)
Five Star Mortgage Corporation
1376 Locust Avenue, Bohemia, NY 11716 2143
March 26, 2008 (BR-MBD)
A.S.A.P. Mortgage Corp.
2120 Crompond Road, Cortlandt Manor, NY 10567 4330
March 26, 2008 (BR-MBD)
The Hills Mortgage and Finance Company, L.L.C.
792 Chimney Rock Road, Martinsville, NJ 08836 2237
March 26, 2008 (BR-MBD)
Coltrain Funding Group LLC
140 Fell Court, Suite 108, Hauppauge, NY 11788 4379
Certificate to engage in the business of a Mortgage Broker surrendered:
March 25, 2008 (BR-MBD)
Island Mortgage Consultants, Inc. D/B/A PG Mortgage Associates
2721 S.W. 96th Avenue, Suite 2, Miami, FL 33165
Effective Date: March 20, 2008
March 25, 2008 (BR-MBD)
Nancy A Hall
154 Hayrick Lane, Commack, NY 11725
Effective Date: March 17, 2008
March 25, 2008 (BR-MBD)
DMV Mortgage Corporation
127-16 Liberty Avenue, Richmond Hill, NY 11419 2216
Effective Date: March 19, 2008
Terry Di Filippo D/B/A Bayside Mortgages
40-12 154th Street, Flushing, NY 11354
Effective Date: March 20, 2008
March 25, 2008 (BR-MBD)
Sher Financial Group, Inc.
8422 Bellona Lane, Suite 102, Towson, MD 21204
Effective Date: March 19, 2008
License to engage in the business of a Mortgage Banker surrendered:
March 25, 2008 (MB-MBD)
Delta Funding Corporation D/B/A Fidelity Mortgage
1000 Woodbury Road, Woodbury, NY 11797 2500
Effective Date: March 20, 2008
Certificate to engage in the business of a Mortgage Broker Branch surrendered:
March 24, 2008 (BR-MBD)
Full Service Branch
Patricia Barbosa DBA Flex Mortgage
126 West Merrick Road, 2nd Floor, Freeport, NY 11520
Effective Date: March 21, 2008
March 25, 2008 (BR-MBD)
Full Service Branch
Primerica Financial Services Home Mortgages, Inc.
1672 East Gun Hill Road, Bronx, NY 10469
Effective Date: March 21, 2008
March 25, 2008 (BR-MBD)
Full Service Branch
Flagship Mortgage Corporation
311 Alexander, Street, Suite 408, Rochester, NY 14604
Effective Date: March 17, 2008
March 26, 2008 (BR-MBD)
Full Service Branch
Primerica Financial Services Home Mortgages, Inc.
18 Theills-Mt Ivy Road, Park View Plaza, Suite 5, Pomona, NY 10970
Effective Date: March 25, 2008
March 26, 2008 (BR-MBD)
Full Service Branch
Primerica Financial Services Home Mortgages, Inc.
10 Adler Drive, Suite 108, East Syracuse, NY 13057
Effective Date: March 25, 2008
March 26, 2008 (BR-MBD)
Full Service Branch
American Liberty Mortgage Corp.
500 Portion Road, Suite 14, Ronkonkoma, NY 11779
Effective Date: March 25, 2008
March 26, 2008 (BR-MBD)
Full Service Branch
Primerica Financial Services Home Mortgages, Inc.
481 8th Avenue, Suite 916, New York, NY 10001
Effective Date: March 25, 2008
License to engage in the business of a Mortgage Banker Branch surrendered:
March 24, 2008 (MB-MBD)
Full Service Branch
NFM, Consultants In Lieu of True Name NFM, Inc.
154 Parkhurst Road, Gansevoort, NY 12831
Effective Date: March 21, 2008
March 25, 2008 (MB-MBD)
Full Service Branch
Beneficial Homeowner Service Corporation
207 Route 73 South, Store 1B-C, Marlton, NJ 08053
Effective Date: March 21, 2008
March 25, 2008 (MB-MBD)
Full Service Branch
Delta Funding Corporation D/B/A Fidelity Mortgage
10150 Mallard Creek Road, Suite 310, Charlotte, NC 28262
Effective Date: March 20, 2008
March 25, 2008 (MB-MBD)
Full Service Branch
Delta Funding Corporation D/B/A Fidelity Mortgage
9100 South Hills Boulevard, Suite 250, Broadview Heights, OH 44147
Effective Date: March 20, 2008
March 25, 2008 (MB-MBD)
Full Service Branch
Delta Funding Corporation D/B/A Fidelity Mortgage
6 CityPlace Drive, Suite 300, Creve Coeur, MO 63141
Effective Date: March 20, 2008
March 25, 2008 (MB-MBD)
Full Service Branch
Delta Funding Corporation D/B/A Fidelity Mortgage
1001 Conshohocken State Road, Suite 600, West Conshohocken, PA 19428
Effective Date: March 20, 2008
March 25, 2008 (MB-MBD)
Full Service Branch
Delta Funding Corporation D/B/A Fidelity Mortgage
681 Andersen Drive, Bldg. 6, 6th floor, Pittsburgh, PA 15220
Effective Date: March 20, 2008
March 25, 2008 (MB-MBD)
Full Service Branch
Delta Funding Corporation D/B/A Fidelity Mortgage
10150 Mallard Creek Road, Suite 400, Charlotte, NC 28262
Effective Date: March 20, 2008
The following have been reinstated to the role of registered mortgage brokers. New mortgage brokerage residential property business may now be resumed:
March 26, 2008 (Br-MBD)
Tinker Realty Company
911 New York Avenue, Brooklyn, NY 11203
Effective: March 25, 2008
Mortgage Broker Certificate Address Changes:
March 24, 2008 (BR-MBD)
Loverde & Associates, Inc.
From: 79-20 Eliot Avenue, Middle Village, NY 11379
To: 80-14 Eliot Avenue, Middle Village, NY 11379
March 24, 2008 (BR-MBD)
Adko Mortgage Company, LLC D/B/A Adko Mortgage Network
From: 201 North Service Road, Suite 404, Melville, NY 11747
To: One Huntington Quadrangle, Suite 1S07A, Melville, NY 11747
March 24, 2008 (BR-MBD)
Expedient Mortgage, LLC
From: 13B Alpine Drive, Wappingers Falls, NY 12590
To: 327-329 Main Street, Suite 101, Poughkeepsie, NY 12601
March 25, 2008 (BR-MBD)
GMC Mortgage Corporation
From: 1142A South Railroad Avenue, Staten Island, NY 10306
To: 129 New Dorp Plaza, Staten Island, NY 10306
March 25, 2008 (BR-MBD)
Jean M. Chmylak d/b/a Custom Mortgage Solutions
From: 1945 East Ridge Road Plaza, Suite 9, Rochester, NY 14622
To: 1515 South Avenue, Suite A, Rochester, NY 14620
March 25, 2008 (BR-MBD)
Infinity Mortgage Corporation
From: 136-65 Roosevelt Avenue, Suites 203 & 204, Flushing, NY 11354
To: 136-18 39 Avenue, Suite 706, Flushing, NY 11354
Mortgage Broker Branch Certificate Address Changes:
March 24, 2008 (BR-MBD)
First Rochester Mortgage Corp.
Additional DBA(S): Uni-Source Funding Centerpointe Mortgage
From: 102 West 14th Street, Elmira Heights, NY 14903
To: 2886 Niagara Falls Boulevard, Amherst, NY 14228
March 24, 2008 (BR-MBD)
Expedient Mortgage, LLC
From: 327-329 Main Street, Suite 101, Poughkeepsie, NY 12601
To: 805 Kent Avenue, Room 203, Brooklyn, NY 11205
Mortgage Banker Branch License Address Changes:
March 24, 2008 (MB-MBD)
Guaranteed Home Mortgage Company Inc.
From: 359 West Lane, Ridgefield, CT 06877
To: 20 Hamilton Road, Ridgefield, CT 06877
Application approved pursuant to Section 594-b of the New York Banking Law and Part 410 of the Superintendent's Regulations for a control interest:
March 26, 2008 (MB-MBD)
Applicant(s)
Abraham Kahan
Chavi Kahan
To acquire interest in:
Odyssey Funding LLC
1206 Avenue J, 2nd Floor, Brooklyn, NY 11230
March 26, 2008 (BR-MBD)
Applicant(s)
Monty Fang Liu
To acquire interest in:
Capital USA Mortgage LLC
THERE WILL BE NO SECTION III THIS WEEK.
