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New York State Department of Financial Services

Weekly Bulletin
May 22, 2009

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. This Weekly Bulletin may also be viewed online at the Banking Department’s Web site at:  http://www.banking.state.ny.us

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
TR = Trust Company
PB = Private Banker
SD = Safe Deposit Company
HC = Holding Company
SB = Savings Bank
MK = Merchant Bank
SL = Savings and Loan Association
CU = Credit Union
IC = Investment Company
FA = Foreign Agency

FB = Foreign Branch
FR = Foreign Representative Office
PR = Premium Finance Agency
SF = Sales Finance Agency
LL = Licensed Lender
TM = Transmitter of Money
BP = Budget Planner
CC = Check Casher
MB = Mortgage Banker
BR = Mortgage Broker
MS = Miscellaneous

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

May 18, 2009 (TR-FWB)
THE BANK OF NEW YORK MELLON
One Wall Street, New York, NY 10005

Pursuant to the provisions of Section 105-b of the Banking Law, notice to the Superintendent of Banks of intention to establish and maintain a trust office at 525 William Penn Place, Pittsburgh, Allegheny County, PA 15219, received.


May 19, 2009 (TR-CRB)
BANK OF Smithtown
One East Main Street, Smithtown, NY 11787

Application dated May 13, 2009 for permission to open and occupy a branch office at Montauk Highway and Bernice Drive, Bayport, Town of Islip, Suffolk County, NY 11705, received.

The comment period on this notice will expire on June 1, 2009.


May 19, 2009 (TR-CRB)
BANK OF Smithtown
One East Main Street, Smithtown, NY 11787

Application dated May 15, 2009 for permission to open and occupy a branch office at 410 Hempstead Turnpike, West Hempstead, Town of Hempstead, Nassau County, NY 11552, received.

The comment period on this notice will expire on June 1, 2009.


May 20, 2009 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY  14203

Notice of intention to establish three electronic facilities (automated teller machines) at White Marsh Mall, 8200 Perry Hall Boulevard, Nottingham, Baltimore County, MD 21236, received.

The comment period on this notice will expire on June 1, 2009.


May 20, 2009 (TR-FWB)
NEW YORK LIFE TRUST COMPANY
51 Madison Avenue, New York, NY 10010

Pursuant to the provisions of Section 105-b of the Banking Law, notices to the Superintendent of Banks of intention to establish and maintain trust offices at the following two locations, received:

  1. MacKay Shields LLC, 9 West 57th Street, Borough of Manhattan, City of New York 10019; and
  2. Madison Square Investors LLC, 1180 Avenue of the Americas, Borough of Manhattan, City of New York 10036.

May 20, 2009 (FB-FWB)
BARCLAYS BANK PLC
200 Park Avenue, New York, NY 10166

Notification, pursuant to the provision of Section 200 of the Banking Law to establish and maintain an additional branch office at 745 Seventh Avenue, Borough of Manhattan, City of New York 10019, received.


May 20, 2009 (CC- LFS)
NY COMMUNITY FINANCIAL, LLC D/B/A THE CHECK CASHING PLACE
560 Sylvan Avenue, Englewood Cliffs, NJ 07632

An application was received for a license to engage in business as a licensed casher of checks at 1730 Richmond Avenue, Staten Island, NY 10314.

The publication of receipt of the application does not indicate that the application is deemed complete. The 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.


May 20, 2009 (CC- LFS)
NY COMMUNITY FINANCIAL, LLC D/B/A THE CHECK CASHING PLACE
560 Sylvan Avenue, Englewood Cliffs, NJ 07632

An application was received for a license to engage in business as a licensed casher of checks at 94-02 78th Street, Ozone Park, NY 11416.

The publication of receipt of the application does not indicate that the application is deemed complete. The 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.


May 21, 2009 (BP-LFS)
CLEARPOINT FINANCIAL SOLUTIONS, INC.
8000 Franklin Farms Drive, Richmond, VA 23229

A notification was received for a change of name to ClearPoint Financial Solutions, Inc. d/b/a ClearPoint Credit Counseling Solutions from ClearPoint Financial Solutions, Inc.

The publication of receipt of this notification does not indicate that the notification is deemed complete. A notification is deemed complete and filed when all required and requested information has been provided to the Department by the notifier.


Application to engage in the business of a Mortgage Broker under Article 12-D of the New York State Banking Law received for examination:

May 18, 2009 (BR-MBD)
Applicant(s)
Evan Joel Mitnick
Ronald Lee Sweare
Andrew Slutzky
Alyse Mitnick
As: Anchor Street Mortgage, L.L.C.
181 New Road, Suite 309, Parsippany, NJ 07054 5625


Application to establish a Mortgage Banker's Branch received for examination:

May 15, 2009 (MB-MBD)
Full Service Branch
Franklin First Financial, Ltd. D/B/A Franklin First Mortgage Bankers
Additional DBA(S): Presidents First Mortgage Bankers
Hancock First Mortgage Bankers
Kennedy First Mortgage Bankers
5500 Merrick Road, Suite 304, Massapequa, NY 11758

May 18, 2009 (MB-MBD)
Full Service Branch
Nationwide Equities Corporation
2112 Broadway, Astoria, NY 11106


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:

May 18, 2009 (MB-MBD)
Applicant(s)
Michael Allan Karp
To acquire interest in:
Gateway Funding Diversified Mortgage Services, L.P.
300 Welsh Road, Building #5, Horsham, PA 19044 2273

May 15, 2009 (MB-MBD)
Applicant(s)
Raymond Arthur Pronto
Shelly Lynn Cloy
To acquire interest in:
Ameripath Mortgage Corporation
6410 Oak Canyon, Suite 200, Irvine, CA 92618 5213


Application received pursuant to Section 590(5-a) of the New York State Banking Law to act as an FHA Mortgage Loan Correspondent:

May 14, 2009 (BR-MBD)
CityBrook Corp.
1725 Richmond Road, Staten Island, NY 10306 2524

May 14, 2009 (BR-MBD)
Morpac Mortgage Processing Assistance Center, Inc.
Additional DBA: Advantage Mortgage Services
453 New Karner Road, Albany, NY 12205


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.

April     25 2008

David    Wohl

Rye

NY

July      22 2008

Cheryl    Kowalski

Buffalo

NY

July      22 2008

Nancy    Giannattasio

Massapequa Park

NY

July      22 2008

Jeffrey  Edward  Miller

Saratoga Springs

NY

July      22 2008

Robert  D  Schiano

Centereach

NY

July      22 2008

Tommaso    Marasco

Westbury

NY

July      31 2008

Ryan  Andrew  Smith

Syracuse

NY

July      31 2008

William  Francis  Nieroda

West Islip

NY

July      31 2008

Karamchand    Singh

South Richmond Hill

NY

July      31 2008

James  O  Young

Rochester

NY

August    13 2008

Panos    Kelaidis

New York

NY

August    13 2008

James  Francis  Burns  Iii

Bellmore

NY

August    13 2008

Samuel  Michael  Ventola

Cedar Grove

NJ

August    13 2008

Michael  Peter  Bohlen

Setauket

NY

August    13 2008

Christine    Wood

Binghamton

NY

August    13 2008

Christopher  Michael  Canavan

Clifton Park

NY

August    13 2008

Roberto  D  Loubriel

Ozone Park

NY

August    13 2008

Juan  R.  Loubriel

Ozone Park

NY

August    13 2008

Anthony    Braccio

Merrick

NY

August    13 2008

Henry  R  Baptiste

Valley Stream

NY

August    13 2008

Jerry  Thomas  Mignogna

Langhorne

PA

August    13 2008

Bernard  Charles  Camarda

Valley Stream

NY

August    13 2008

Adam  W  Shelton

Farmingdale

NY

August    13 2008

Deborah    Camacho

White Plains

NY

August    13 2008

Christopher   Okechukwu  Eneh

Freehold

NJ

August    13 2008

Vlora    Shala

Cortlandt Manor

NY

August    13 2008

Cheryl  Eileen  Cohen

Armonk

NY

August    13 2008

Marie    Dionisio

West Sayville

NY

August    13 2008

Joseph  V  Luc

Laurelton

NY

August    13 2008

Alex    Vithoulkas

Manhasset

NY

August    13 2008

Marilynn    Rowley

Mount Tremper

NY

August    13 2008

Caesar  M  Figueroa

Miller Place

NY

August    13 2008

Samuel  David  Moss

East Meadow

NY

August    13 2008

Carlotta    Brown

North Syracuse

NY

August    13 2008

Steven  Paul  Ross

Bayside

NY

August    27 2008

Eric  Randy  Brodock

Chadwicks

NY

August    27 2008

Ronald    Maher

Mastic

NY

August    27 2008

Jeffrey    Morey

Syracuse

NY

August    27 2008

Sally    Griffiths

White Plains

NY

August    27 2008

Patrick  G.  Wellington

East Meadow

NY

September 12 2008

Keith    Dobish

Plainview

NY

September 12 2008

Scott   Blake  Spindler

East Hills

NY

September 12 2008

Cassius  Fitz-Andrew  Phillip

Greenacres

FL

September 12 2008

John  P  Walsh

Babylon

NY

September 12 2008

Melinda  J  Lunger

Laplume

PA

October   08 2008

Marc  Joseph  Mountrichas

Massapequa

NY

October   08 2008

Marc    Seidman

Merrick

NY

October   08 2008

Jeffrey  Scott  Wain

Easton

CT

October   08 2008

Jonathan  Andrew  Semon

New York

NY

October   08 2008

Mimoza    Cejku

Owings Mills

MD

October   08 2008

Ryan  Michael  Pomeroy

Norwalk

CT

October   08 2008

Frederick  Gladstone  Nurse

Brooklyn

NY

October   23 2008

Thomas    Mesce

Wayne

NJ

December  01 2008

Mary Ann    Scaggs

Scarsdale

NY

December  01 2008

Christopher  Michael  Bueckert

Budd Lake

NJ

December  01 2008

Lisa  Anne  Abdy

Wayne

NJ

December  01 2008

Christopher    Guerin

Morris Plains

NJ

December  01 2008

Jeffrey    Beaser

Garwood

NJ

December  01 2008

Robert    Pirchala

Clifton

NJ

December  01 2008

Steven    Vetter

Toms River

NJ

December  02 2008

Neal  Evan  Frohlich

Passaic

NJ

December  02 2008

Jesse  Aaron  Elam

Columbus

OH

December  02 2008

Jessica  May  Dicaterino

Amsterdam

NY

December  02 2008

Matthew    Kristofeld

Worthington

OH

December  02 2008

Michael  Edward  Maloney

Dover Plains

NY

December  02 2008

Wai Ming    Ip

Belle Mead

NJ

December  02 2008

Ronald  Scott  Wright

Ridge

NY

December  02 2008

Arthur    Maldonado

Dix Hills

NY

December  02 2008

Miriam  Abby  Mintz

New York

NY

February  20 2009

Inderjit  Suresh  Persaud

South Ozone Park

NY

February  20 2009

Leena    Pal

Sacramento

CA

February  20 2009

Sidney  Blayne  Winters

Columbia

MO

February  20 2009

Patrick  Michael  Cox

Columbia

MO

February  20 2009

Robert  Jay  Siegel

Hauppauge

NY

February  20 2009

Ryan    Harrison

Columbia

MO

February  20 2009

Katherine  T  Polcha

Center Moriches

NY

March     30 2009

Ramon  Seth  Gaber

Meadowbrook

PA

April     07 2009

Anthony    Pane

East Moriches

NY

April     07 2009

Fernando    Serrano

Astoria

NY

April     07 2009

Moshe    Berg

Spring Valley

NY

April     07 2009

Sheila    Serbay

Oneonta

NY

April     07 2009

Ibrahim    Diallo

Jersey City

NJ

April     07 2009

Kathleen  R  Pane

East Moriches

NY

April     07 2009

Mary  Grace  Ferrero

Montgomery

NY

April     07 2009

Ronald    Bailey

Wharton

NJ

April     07 2009

Scott  Lawrence  Feuer 

Dix Hills

NY

April     07 2009

Corina  June  Streeter

Gansevoort

NY

April     07 2009

Edgar  R  Cintron

Springfield

MA

April     07 2009

Louis  Joseph  De Vone  Jr

Mt Ephraim

NJ

April     07 2009

Debra    Gaylord

Brewster

NY

April     08 2009

Chunhua    Yang

Flushing

NY

April     08 2009

Clarissa  Miranda  Chueire 

Stamford

CT

April     08 2009

Nathan  T  Barton

Mechanicville

NY

April     08 2009

Liu    Yang

Garfield

NJ

April     08 2009

Joseph     Gilani

Huntington Station

NY

April     08 2009

David    Mccarthy

Massapequa

NY

April     08 2009

Sidney    Samet

New York

NY

April     08 2009

Tony  Victor  Avallone

Gaithersburg

MD

April     08 2009

Patrick  J  Miller

Westhampton

NY

April     24 2009

Saud  A.H.  Khokhar

Brooklyn

NY

April     30 2009

Sterling  Eric  Palmer

Kew Gardens

NY

April     30 2009

Melissa  Ann  Carlo

Wantagh

NY

April     30 2009

Yakov    Belilovskiy

Brooklyn

NY

April     30 2009

Syed  Zille  Bokhari

Nanuet

NY

April     30 2009

Viviane  Lee  Derosa

Oldsmar

FL

April     30 2009

Kevin  John  Grant

Port Jefferson Station

NY

April     30 2009

Patrick  Alan  Settle

Sterling

VA

April     30 2009

Rosemary    Sepulveda

Jersey City

NJ

April     30 2009

Sophia    Welsh

West Babylon

NY

April     30 2009

Jo Ann    Trager

Oceanside

NY

April     30 2009

Michael  A.  Dunsky

Medway

MA

April     30 2009

Rifka    Friedman

Brooklyn

NY

April     30 2009

Frank    Napolitano

Yonkers

NY

April     30 2009

Christopher  Francis  Reid

Brooklyn

NY

April     30 2009

Todd  Christopher  Mcadams

Northport

NY

April     30 2009

David  Joseph  Droge

Farmingdale

NY

April     30 2009

Christopher    Kirk

Ponte Vedra

FL

April     30 2009

Tzivia  Debra  Solomon

Brooklyn

NY

April     30 2009

Oleg    Veksler

Staten Island

NY

April     30 2009

Ronnie  Zachary  Logvin

Merrick

NY

April     30 2009

Wieslaw    Lech

Linden

NJ

April     30 2009

Andrey    Yanoff

Brooklyn

NY

April     30 2009

Julio  Tony  Vitolo

Mount Vernon

NY

April     30 2009

Daniel  Michael  Amato

Kings Park

NY

April     30 2009

Jon-Paul  Theodore  Lo Bianco

Baldwin

NY

April     30 2009

Michael  Steven  Fleishour

Tampa

FL

April     30 2009

Robert  Marc  Cicetti

Tampa

FL

April     30 2009

Christine  Elizabeth  Watklevicz

Maspeth

NY

April     30 2009

Matthew  Anthony  Asta

Tampa

FL

April     30 2009

Todd  H  Zelcer

Tierra Verde

FL

April     30 2009

Justin  Holmes  Weeks

Tampa

FL

April     30 2009

Ronald  John  Cammarata

Merrick

NY

May       01 2009

Steven  Todd  Friedman

Roslyn Heights

NY


SECTION II

April 30, 2009 (BK-FWB)
SHINHAN BANK AMERICA
330 Fifth Avenue, New York, NY 10001
THE BANK OF VERNON
1918 Pease Street, Vernon, TX 76385

Application, pursuant to Sections 225 and 601 of the New York Banking Law, for the prior approval of the Superintendent of Banks for The Bank of Vernon to merge with and into Shinhan Bank America, under the name of Shinhan Bank America, approved by the Superintendent of Banks.


May 1, 2009 (BK-FWB)
SHINHAN BANK AMERICA
330 Fifth Avenue, New York, NY 10001
THE BANK OF VERNON
2240 Royal Lane, Dallas, TX 75229

The Superintendent of Banks has filed, pursuant to the provisions of Section 601-b of the Banking Law, as of 3:04 p.m., May 1, 2009, an Agreement and Plan of Merger, dated as of March 30, 2009, and other required documents, providing for the merger of The Bank of Vernon with and into Shinhan Bank America, under the name of Shinhan Bank America.


May 1, 2009 (CC-LFS)
SUNRISE CHECK CASHING SERVICES, LLC
580 Sunrise Highway, Baldwin, NY 11510

License to engage in business of casher of checks at 2240 Hempstead Turnpike, East Meadow, NY  11554 was surrendered.


May 11, 2009 (SFC – LFS)
eCAST SETTLEMENT CORPORATION
383 Madison Avenue, 28th Floor, New York, NY 10179-0001

License to engage in business as a sales finance company was surrendered.


May 15, 2009 (TR-CRB)
BANK OF Smithtown
One East Main Street, Smithtown, NY 11787

Authorization issued to open and occupy a branch office at 375 Deer Park Avenue, Babylon, Suffolk County, NY 11702, on or after May 16, 2009.


May 18, 2009 (SF-LFS)
THE CIT GROUP/CONSUMER FINANCE, INC (NY)
1 CIT Drive, Livingston, Essex County, NJ 07039

License issued to designate a principal office of a sales finance company at this address.


May 18, 2009 (MS-CRB)
FIRST EMPIRE STATE HOLDING COMPANY
One M&T Plaza, Buffalo, NY 14203

Application, pursuant to Section 143-a of the Banking Law, for the prior approval of the Superintendent of Banks to acquire all of the capital stock of Manufacturers and Traders Trust Company, approved by the Superintendent of Banks.


May 18, 2009 (PF–LFS)
PREMIUM FINANCING SPECIALISTS, INC.
427 W 12th Street, Kansas City, MO 64105

License to conduct premium finance agency business at 59 Composite Way, Lowell, MA 01851 was surrendered.


May 18, 2009 (BP- LFS)
MONEY MANAGEMENT INTERNATIONAL, INC.
9009 West Loop South, Suite 700, Houston, TX 77096

A rider was issued for relocation to 26 Court Street, Suite 1801, Brooklyn, NY 11242 from 26 Court Street, Suite 2, Brooklyn, NY 11242.


May 18, 2009 (BP-LFS)
NATIONAL FOUNDATION FOR DEBT MANAGEMENT
14104 58th Street N., Clearwater, FL 33760.

A rider was issued for relocation to 14104 58th Street N., Clearwater, FL 33760 from 14100 58th Street North, Clearwater, FL 33760.


May 18, 2009 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203
PROVIDENT BANK OF MARYLAND
114 East Lexington Street, Baltimore, MD 21202
 
Application, pursuant to Sections 225 and 601 of the Banking Law, for the prior approval of the Superintendent of Banks for Provident Bank of Maryland to merge with and into Manufacturers and Traders Trust Company, under the name Manufacturers and Traders Trust Company, approved by the Superintendent of Banks.


May 18, 2009 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203
COURT SQUARE LEASING CORPORATION
Great Valley Corporate Center, 14 Great Valley Parkway, Suite 100, Malvern, PA 19355

Application, pursuant to Section 601 of the New York Banking Law and Part 6.9 of the General Regulations of the Banking Board, to merge Court Square Leasing Corporation with and into Manufacturers and Traders Trust Company, under the name of Manufacturers and Traders Trust Company, accepted.


May 19, 2009 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203
COURT SQUARE LEASING CORPORATION
Great Valley Corporate Center, 14 Great Valley Parkway, Suite 100, Malvern, PA 19355

Application, pursuant to Section 601 of the New York Banking Law and Part 6.9 of the General Regulations of the Banking Board, to merge Court Square Leasing Corporation with and into Manufacturers and Traders Trust Company, under the name of Manufacturers and Traders Trust Company,  approved by the Superintendent of Banks.


May 19, 2009 (TR-CRB)
CHEMUNG CANAL TRUST COMPANY
One Chemung Canal Plaza, Elmira, NY 14902
BANK OF CANTON
5 West Main Street, Canton, PA 17724

Application, pursuant to Section 601-b of the Banking Law, to merge Bank of Canton with and into Chemung Canal Trust Company, under the name Chemung Canal Trust Company, accepted.


May 19, 2009 (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.


May 19, 2009 (FR-FWB)
BANCO MERCANTIL, C.A. (BANCO UNIVERSAL)
Avenida Andres Bello No. 1 Caracas 1011, Venezuela

Application, pursuant to Section 203.2 of the Banking Law, to change the name of its representative office, located at 11 East 51st Street, New York NY 10022 from Banco Mercantil, C.A. (Banco Universal) to Mercantil, C.A., Banco Universal, approved.


May 19, 2009 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY  14203

Applicant notified in writing that no objection will be interposed to the establishment of electronic facilities (automated teller machines) at the following six locations:

  1. Sheetz Inc. Convenience Store, 1015 Old Sixth Avenue Road, Logan Township, Blair County, PA 16602;
  2. Sheetz Inc. Convenience Store, 1180 Manheim Pike, Lancaster, Lancaster County, PA 17601;
  3. Sheetz Inc. Convenience Store, 3998 East Market Street, Springettsbury Township, York County, PA 17402;
  4. Sheetz Inc. Convenience Store, 21034 Royalton Road, Strongsville, Cuyahoga County, OH 44149;
  5. Sheetz Inc. Convenience Store, 4 Mall Road, Barboursville, Cabell County, WV 25504; and
  6. Sheetz Inc. Convenience Store, 1304 Johns Creek Road, Milton, Cabell County, WV 25541.

May 19, 2009 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY  14203

Applicant notified in writing that no objection will be interposed to the establishment of electronic facilities (automated teller machines) at the following five locations:

  1. Shoppers Food & Pharmacy, 6335 Multiplex Drive, Centreville, Fairfax County, VA 20121;
  2. Shoppers Food & Pharmacy, 6300 Coventry Way, Clinton, Prince George's County, MD 20735;
  3. Shoppers Food & Pharmacy, 2950 Donnell Drive, Forestville, Prince George's County, MD 20747;
  4. Shoppers Food & Pharmacy, 6111 Livingston Road, Oxon Hill, Prince George's County, MD 20745; and
  5. Shoppers Food & Pharmacy, 1000 Smallwood Drive West, Waldorf, Charles County, MD 20603.

May 23, 2009 (CC-LFS)
KEYSTONE EXPRESS, INC.
159-15 Northern Blvd., Suite 104, Flushing, NY 11358

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.


May 23, 2009 (CC-LFS)
JAY PAYROLL SERVICES, INC.
203 West 28th Street, New York, NY 10001

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.


Certificate issued to engage in the business as a Mortgage Broker Branch under Article 12-D of the New York State Banking Law:

May 20, 2009 (BR-MBD)
Full Service Branch
Charles Martin Mortgage L.L.C.
30 Broad Street, 2nd floor, Red Bank, NJ 07701


License issued to engage in the business as a Mortgage Banker Branch under Article 12-D of the New York State Banking Law:

May 20, 2009 (MB-MBD)
Full Service Branch
Wall Street Mortgage Bankers Ltd. DBA Power Express
34 Atlantic Avenue, Suite 201A, Lynbrook, NY 11563

May 20, 2009 (MB-MBD)
Full Service Branch
Freedom Mortgage Corporation d/b/a Jefferson Home Mortgage and Loan
555 Maple Avenue, Saratoga, NY 12866

May 20, 2009 (MB-MBD)
Full Service Branch
AFG Mortgage In Lieu of True Name Allied Mortgage Group, Inc.
707 Walt Whitman Road, Route 110, Suite 201, Melville, NY 11747


Certificate to engage in the business of a Mortgage Broker surrendered:

May 15, 2009 (BR-MBD)
Robert T Dolan DBA Robert T. Dolan & Associates
One Grove Street, Suite 216C, Pittsford, NY 14534
Effective Date: May 14, 2009

May 19, 2009 (BR-MBD)
RMD Consulting Services Corp. DBA Community Acceptance
2820 Merrick Road, Bellmore, NY 11710
Effective Date: May 18, 2009


License to engage in the business of a Mortgage Banker surrendered:

May 15, 2009 (MB-MBD)
Hogar Mortgage & Financial Services Inc.
DBA Colamerica 1-800-320-CASA
20 Craig Road, P.O. Box 10, Montvale, NJ 07645 1709
Effective Date: May 14, 2009

May 19, 2009 (MB-MBD)
MortgageIT, Inc. DBA MIT Lending
Additional DBA(S): IPI Skyscraper Mortgage
60 Wall Street, 15th Floor, New York, NY 10005
Effective Date: May 12, 2009


Certificate to engage in the business of a Mortgage Broker Branch surrendered:

May 15, 2009 (BR-MBD)
Full Service Branch
DML Mortgage Enterprises Inc. DBA Direct Mortgage Wholesale
100 Main Street, 2nd floor, Warwick, NY 10990
Effective Date: May 13, 2009

May 15, 2009 (BR-MBD)
Full Service Branch
DML Mortgage Enterprises Inc. DBA Direct Mortgage Wholesale
7 West Broad Street, 2nd Floor, Mount Vernon, NY 10552
Effective Date: May 13, 2009

May 15, 2009 (BR-MBD)
Full Service Branch
Coltrain Funding Group LLC
2042 North Country Road, Suite 204, Wading River, NY 11792
Effective Date: May 07, 2009

May 18, 2009 (BR-MBD)
Full Service Branch
Sandstone Mortgage Corporation
157 Hempstead Avenue, Suite A-2, Lynbrook, NY 11563
Effective Date: May 13, 2009

May 19, 2009 (BR-MBD)
Full Service Branch
RMD Consulting Services Corp. DBA Community Acceptance
867 West Merrick Road, Unit 202, Valley Stream, NY 11580
Effective Date: May 18, 2009

May 19, 2009 (BR-MBD)
Full Service Branch
Citizens Financial Mortgage, Inc.
22 Southern Boulevard, Suite 105, Nesconset, NY 11767
Effective Date: May 15, 2009

May 20, 2009 (BR-MBD)
Full Service Branch
Rochester Area Mortgage Services Inc DBA RAMSINC.com
Additional DBA(S): The Rams Group
19805 Orchard Drive, Watertown, NY 13601
Effective Date: May 12, 2009

May 20, 2009 (BR-MBD)
Full Service Branch
First Laridian Mortgage Company
440 Market Street, Elmwood Park, NJ 07407
Effective Date: May 19, 2009


License to engage in the business of a Mortgage Banker Branch surrendered:

May 14, 2009 (MB-MBD)
Full Service Branch
NFM, Consultants In Lieu of True Name NFM, Inc.
7203 Thirteenth Avenue, Brooklyn, NY 11228
Effective Date: May 12, 2009

May 14, 2009 (MB-MBD)
Full Service Branch
NFM, Consultants In Lieu of True Name NFM, Inc.
2322 Locust Avenue, Ronkonkoma, NY 11779
Effective Date: May 12, 2009

May 15, 2009 (MB-MBD)
Full Service Branch
Hogar Mortgage & Financial Services Inc.
DBA Colamerica 1-800-320-CASA
8211 37th Avenue, 9th fl., Ste.904, Jackson Heights, NY 11372
Effective Date: May 14, 2009

May 15, 2009 (MB-MBD)
Full Service Branch
Hogar Mortgage & Financial Services Inc. DBA Colamerica 1-800-320-CASA
1783 5th Avenue, Bay Shore, NY 11706
Effective Date: May 14, 2009

May 15, 2009 (MB-MBD)
Full Service Branch
Hogar Mortgage & Financial Services Inc. DBA Colamerica 1-800-320-CASA
5300 Bergenline Avenue, West New York, NJ 07093
Effective Date: May 14, 2009

May 15, 2009 (MB-MBD)
Full Service Branch
Hogar Mortgage & Financial Services Inc. DBA Colamerica 1-800-320-CASA
423-425 Main Street, Hackensack, NJ 07601
Effective Date: May 14, 2009

May 15, 2009 (MB-MBD)
Full Service Branch
NJ Lenders Corp. d/b/a Home Owners Mortgage Express
Additional DBA(S): Coastal Lenders
Silver Bay Lending
521 Washington Street, Hoboken, NJ 07030
Effective Date: May 14, 2009

May 15, 2009 (MB-MBD)
Full Service Branch
Hogar Mortgage & Financial Services Inc. DBA Colamerica 1-800-320-CASA
36 South Main Street, Spring Valley, NY 10977
Effective Date: May 14, 2009

May 19, 2009 (MB-MBD)
Full Service Branch
MortgageIT, Inc. DBA MIT Lending
Additional DBA: IPI Skyscraper Mortgage
100 Dobbs Lane, Cherry Hill, NJ 08034
Effective Date: May 12, 2009

May 19, 2009 (MB-MBD)
Full Service Branch
Classic New York Mortgage In Lieu of True Name Classic Mortgage, LLC
420 Lexington Ave., Ste. 307, New York, NY 10170
Effective Date: May 18, 2009

May 19, 2009 (MB-MBD)
Full Service Branch
MortgageIT, Inc. DBA MIT Lending
Additional DBA: IPI Skyscraper Mortgage
5022 Gate Parkway, Jacksonville, FL 32256
Effective Date: May 12, 2009

May 20, 2009 (MB-MBD)
Full Service Branch
Colonial Mortgage Corp. D/B/A First Allied Mortgage
162 Montague Street, 2nd floor, Brooklyn, NY 11201
Effective Date: May 19, 2009

May 20, 2009 (MB-MBD)
Full Service Branch
Colonial Mortgage Corp. D/B/A First Allied Mortgage
2103 Avenue Z, Brooklyn, NY 11235
Effective Date: May 19, 2009


The suspension on the following mortgage banker's license has been lifted.  New mortgage banking business on residential property may now be resumed.

Central Mortgage Bancorp, Inc. D/B/A Central Mortgage Bancorp.
75-35 31st Avenue, Suite 201, Jackson Heights, NY  11370


The following Mortgage Broker is suspended effective May 13, 2009 for failure to maintain a corporate surety bond pursuant to Section 410.14 of Part 410 of the Superintendent's Regulation.

May 14, 2009
Zosimo G. Lerum, Jr.
2884 Wilkinson Avenue, 1st Floor, Bronx, NY 10461


The following Mortgage Banker is suspended effective May 13, 2009 for failure to maintain a Line of Credit pursuant to Section 410.1(b)(2) of Part 410 of the Superintendent's Regulation.

May 18, 2009 (MB-MBD)
Vanguard Funding, LLC
400 Garden City Plaza, Suite 103, Garden City, NY Zip 11530


The following Mortgage Banker is suspended effective May 15, 2009 for improprieties including the double-booking of loans, the pledging of unclosed loans, and the failure to properly disburse $4,659,318 in loan proceeds in violation of Part 38.7(a)(8) of the Superintendent's Regulation.

May 18, 2009 (MB-MBD)
1st Republic Mortgage Bankers, Inc.
110 Jericho Turnpike, Suite 200, Floral Park, NY 11001


The following have been reinstated to the role of registered mortgage brokers. New mortgage brokerage residential property business may now be resumed:

May 14, 2009 (BR-MBD)
HFM Mortgage Group LLC In Lieu of True Name FHM Mortgage Group LLC
959 Route 46, Suite 503, Parsippany, NJ 07054 0231

May 14, 2009 (BR-MBD)
Commercial Express Funding Corp
1025 Old Country Road, Suite 212, Westbury, NY 11590 5645

May 15, 2009 (BR-MBD)
Washington Equities Mortgage Corp.
101 Atlantic Avenue, Lynbrook, NY 11563

May 18, 2009 (BR-MBD)
Levi Galbraith DBA County Crest Mortgage
1 Hillel Place, 2nd floor, Brooklyn, NY 11210
Branch Offices:
300 Hempstead Turnpike, 2nd floor, West Hempstead, NY 11552
4313 Church Avenue, Brooklyn, NY 11203

May 18, 2009 (BR-MBD)
Direct Capital Corp.
1129 Northern Boulevard, Suite 400, Manhasset, NY 11030

May 18, 2009 (BR-MBD)
Trinity Funding, Inc. D/B/A Susan J. Hayden           
21 W. Main Street, Bay Shore, NY 11706

May 18, 2009 (BR-MBD)
Exquisite Funding Corp.
1409 East 92nd Street, 2nd Floor, Brooklyn, NY 11236

May 18, 2009 (BR-MBD)
Shadine Enterprises Inc. D/B/A  Fair Deal Funding             
128-10 111th Avenue, South, Ozone Park, NY 11420


Mortgage Broker Certificate Address Changes:

May 20, 2009 (BR-MBD)
Equity United Mortgage Corporation
From: 8119 Chapel Manor Lane, Ellicott City, MD 21043
To: 3440 Ellicott Center Drive, Ellicott City, MD 21043 4155


Mortgage Banker Branch License Address Changes:

May 15, 2009 (MB-MBD)
GFI Mortgage Bankers, Inc.
From: 55 Atlantic Avenue, Lynbrook, NY 11563
To: 16 Squadron Boulevard, Suite 103, New City, NY 10956

May 20, 2009 (MB-MBD)
Continental Home Loans Inc. D/B/A Senior Home Loans
From: 1229 Union Avenue, Newburgh, NY 12550
To: 3542 Eastchester Road, Bronx, NY 10469

May 20, 2009 (MB-MBD)
NFM, Consultants In Lieu of True Name NFM, Inc.
From: 1593 Central Avenue, Albany, NY 12205
To: 16 Computer Drive West, Suite 100, Albany, NY 12205

May 20, 2009 (MB-MBD)
Flaherty Funding Corporation
From: 7202 State Route 54, Bath, NY 14810
To: 1320-1348 Stony Brook Road, Suite 213, Stony Brook, NY  11790


Approvals issued to engage in the business of mortgage loan origination under Article 12-E of the New York State Banking Law. 

NMLS ID#

NAME

INSTITUTION NAME

3679

Lou    Mainiero 

EXCELSIOR MORTGAGE LIMITED LIABILITY

3384

Joy  Heather  Goldberg 

ACCURATE CAPITAL CORP.

3458

David  S  Bailey 

THE MORTGAGE OUTLET

3550

Mark  Jeffrey  Maimon 

UNIVERSAL MORTGAGE, INC.

4388

Paul  J  Montesano 

CLIFFCO, INC. DBA

3884

Anthony    Luongo 

FIRST RATE CAPITAL CORP.

4569

Roy  Edward  Munger 

ABC 123 MORTGAGE, INC.

4271

Cocca  Lee  Mcguire 

FREEDOM MORTGAGE CORPORATION

5377

Douglas  Anthony  Delise 

EQUITY SERVICES, INC.

5245

Lydia  B  Fishbein 

CENTENNIAL MORTGAGE CORP.

4104

Jennifer  Lee  Brandolino 

ALBANY FUNDING, INC.

5425

Jeff  James  Gonzalez 

FIRST RATE CAPITAL CORP.

5633

Corey  M  Langus 

CROSS COUNTY FUNDING CO.

7429

Stavros    Papastavrou 

THE MONEY SOURCE INC.

7548

Ernesto    Puteri 

ROYAL CONSULTANTS

7071

Russell  J  Arceri 

FIVE STAR MORTGAGE CORPORATION

8064

Kathy  M  Ahearn 

WHEATLAND FINANCIAL GROUP, INC.

8340

Nancy  Bartz  Gascyone 

MULTISOURCE FUNDING, INC.

7739

Ashley  Lynn  Arnoff 

POWER EXPRESS

8632

Robert  Daniel  Amato 

EMPIRE HOME MORTGAGE, INC.

6938

Michael  Steven  Hellinger 

CREEKSIDE FUNDING

8843

Ronald  Joseph  Draper 

CREEKSIDE FUNDING

9077

Karen  Elaine  Cook 

PRIME MORTGAGE CORP.

4848

Christina    Shaw 

MCS MORTGAGE BANKERS, INC.

9368

Adis  Maria  Coco 

PRIME MORTGAGE CORP.

9756

Brian  David  Harris 

EMP NETWORK, INC.

9905

Patricia    Frank 

AMERICANA MORTGAGE GROUP, INC.

9852

Frank  R  Seddio 

POWER EXPRESS

5647

Isaac    Grant 

DC FUNDING, L.L.C.

10610

Albert  A  Benzaken 

RICHMOND COUNTY MORTGAGE CORP.

11120

Lin    Shen 

SUMMIT MORTGAGE BANKERS, INC.

8272

Felix    Gurevich 

WALL STREET MORTGAGE BANKERS LTD. DBA

8007

John    Viggiano 

WALL STREET MORTGAGE BANKERS LTD.

11751

Allen  J  Scalzo 

HORIZON MORTGAGE EQUITIES, INC.

11630

Pattian    Brochard 

PAR EAST MORTGAGE CO., INC.

11690

Morreale    Joseph 

FIRST LINCOLN MORTGAGE CORP.

10149

Thomas    Christensen 

HOME BUYERS SOURCE

11767

David  Nicholas  Ianniello 

PREMIUM CAPITAL FUNDING LLC D/B/A

12339

Les    Jacobs 

J.M. CAPITAL GROUP LLC

12874

Felix  Alberto  Cuebas 

ICC MORTGAGE SERVICES

12878

Thuan  Tai  Luu 

SUMMIT MORTGAGE BANKERS, INC.

6420

Daniel  Dipietrantonio  Dipietrantonio

PREMIUM CAPITAL FUNDING LLC D/B/A

12450

Louis  Anthony  Auffant 

CONTINENTAL HOME LOANS INC.

13646

Hardik    Shah 

ALL AMERICAN HOME MORTGAGE CORP DBA

12482

Isabella    Dimola 

CONTINENTAL HOME LOANS INC.

12722

Martin  F  Kelly 

CONTINENTAL HOME LOANS INC.

13119

Jason    Ramaizel 

OMNIQUEST MORTGAGE, LLC

12336

Cheryl  Lynn  Paggi 

HOMELINK FUNDING, LLC

12451

Andrew  Jonathan  Tucker 

LEND-MOR MORTGAGE BANKERS CORP.

13461

Georgie    Cascio 

RICHMOND COUNTY MORTGAGE CORP.

13540

Chris  Leon  Christie 

CONTINENTAL HOME LOANS INC.

13436

David  B  Decoursey 

COMMONFUND MORTGAGE CORP.

3986

Wilmarc    Charles 

COHASSET MORTGAGE COMPANY INC.

8131

Bryan    Banas 

MIGHTY MORTGAGE OF NY, INC.

13611

Thomas  William  Dreitlein 

CONTINENTAL HOME LOANS INC.

4073

Matthew  Thomas  Digiovanna 

PREMIUM CAPITAL FUNDING LLC D/B/A

4739

Kenneth  Robert  Laudante 

PREMIUM CAPITAL FUNDING LLC D/B/A

9414

David    Rahimian 

FINANCIAL ONE MORTGAGE COMPANY, INC.

13962

Anthony    Bellantoni 

ORION FUNDING CORP.

13847

Steven    Remmert 

SOMERSET INVESTORS CORPORATION

4191

Michael    Harte 

MORTGAGE WORLD BANKERS, INC.

13239

Jesse    Sasso 

THE MORTGAGE ADVANTAGE CORP.

7579

David  A  Goldstein 

CITIZENS FINANCIAL MORTGAGE, INC.

13710

Sanjiv    Jain 

AMERICAN CAPITAL MORTGAGE BANKERS, LTD

12939

Maggie  Wanli  Liu 

SUMMIT MORTGAGE BANKERS, INC.

4609

Robert  Elliott  Gomer 

EQUITY SOURCE HOME LOANS, LLC

4840

Carol  Irene  Zeifman 

BLS FUNDING

6744

Seth    Rapport 

VALLEY MORTGAGE COMPANY, INC.

15533

Walter    Villalta 

MID-ISLAND MORTGAGE CORP.

16229

Jiang  Feng  Lin 

POWER PLUS OF NEW YORK, INC.

16172

Leslie  E  Tao 

CONTINENTAL HOME LOANS INC.

16053

Lissette  Del Valle  Sissa 

GOTHAM CITY MORTGAGE CORP.

13541

Karl  Phillip  Eyester 

PAR EAST MORTGAGE CO., INC.

12832

Anne  K  Panoff 

WORTHINGTON MORTGAGE SERVICES, INC.

9375

Salvatore  V.  Anello 

ALL AMERICAN HOME MORTGAGE CORP DBA

9090

Alan  Frederick  Anton 

PHH MORTGAGE CORPORATION D/B/A

15631

Matthew  Mark  Schermerhorn 

WHEATLAND FINANCIAL GROUP, INC.

6110

Glenn  Clifford  Mack 

COLONIAL MORTGAGE CORP. D/B/A

15871

Michael  Anthony  Maltaghati 

PROFESSIONAL MORTGAGE BANKERS CORP.

16364

Donna    Carlucci 

E-MORTGAGE LLC

3932

Michael  Oswald  Lewis 

MCALLLEWIS LLC

16465

Bryan  Alan  Kaplan 

CONTINENTAL HOME LOANS INC.

12512

William    Christiano 

BERKELEY MORTGAGE, LLC

17627

Rachelle    Gruen 

FAIRMONT FUNDING, LTD.

17414

David  H  Hanniford 

BOLD STEP INC.

17661

Michael  Anthony  Gala 

GREAT LAKES FUNDING CORP.

4471

Steven    Weiss 

THE MORTGAGE MALL INC.

17889

Natalie  Ann  Lewis 

SOUTH FORK FUNDING, INC.

17836

Justin  Scott  Lieberman 

OPTAMERICA MORTGAGE, INC.

17323

Christopher  Ronald  Lefcofrides 

PRESTIGE COMMERCIAL CORP.

17093

Sandra    Fleischer 

AMERICORP FUNDING

17641

Sanjeev    Mehta 

UNITED MORTGAGES OF AMERICA, INC.

7187

Mark  Christopher  Koehler 

CAPITAL QUEST CORP.

17634

John  Raymond  Hibner 

POINT LOOKOUT MORTGAGE

13411

Steven  Lawrence  Katz 

CASE FINANCIAL SERVICES LLC

16879

Kurur  Simon  Rajan 

FAIRWAY INDEPENDENT MORTGAGE CORPORATION

17365

Sung  Soo  Kim 

SEKURE FUNDING AND CONSULTING CORP.

17212

Edward    Oconnor 

ADVANCED FUNDING SOLUTIONS, INC.

18136

Oleg    Raitses 

ECHO FUNDING LLC

6005

Guy  Earl  Reeps 

MCS MORTGAGE BANKERS, INC. DBA

18543

Nick    Katradis 

NK MORTGAGE SERVICES, INC.

18546

Alex    Himargios 

NK MORTGAGE SERVICES, INC.

18224

Elena    Juirova 

ECHO FUNDING LLC

17391

Daniel  J  Bellina 

BELLINA & ASSOCIATES, INC.

17431

Vivek  Daulat  Lakhiani 

TRIDENT CONSULTANTS INC.

17861

Alexander    Beygel 

TALK TOWN FUNDING LTD

18148

Lee    Majzner 

OPTAMERICA MORTGAGE, INC.

17524

Inja  Y  Mok 

NEWLIFE FINANCIAL COMPANY, INC.

17935

Van  A  Richardson 

FIRST GUARANTY MORTGAGE CORPORATION

17415

Shirlene    Miller 

AFFORDABLE HOME FUNDING

18677

Wah  Kee  Yeung 

LEE'S BROKERAGE CO.

18750

Shannyn  Lea  Gerry 

COMMONFUND MORTGAGE CORP.

18637

Michael  Todd  Giannetto 

PREMIUM CAPITAL FUNDING LLC D/B/A

5495

William  Joseph  Keck 

MCS MORTGAGE BANKERS, INC.

9167

Thomas    Whalen 

MCS MORTGAGE BANKERS, INC.

8210

Courtney  Anne  Johnston 

PHH HOME LOANS, LLC D/B/A

7924

Christopher  Michael  Diedrich 

PHH HOME LOANS, LLC D/B/A

13081

Sunny  Kim  Dunlavey 

PHH HOME LOANS, LLC D/B/A

13084

Amanda  Lee  Hardy 

PHH MORTGAGE CORPORATION D/B/A

13380

Ed    Freytes 

PROFESSIONAL MORTGAGE BANKERS CORP.

19169

John    Snow 

LIBERTY FINANCIAL MORTGAGE GROUP, INC.

9012

Juscelino  C  Lee 

WALL STREET MORTGAGE BANKERS LTD. DBA

17860

Yi  Fan  Wu 

SUMMIT MORTGAGE BANKERS, INC.

16949

C  Jospeh  Taglvia  Iii

THE MANHATTAN MORTGAGE COMPANY

10872

Ghias  U  Bhuiyan 

OLYMPIC MORTGAGE CORP.

19021

Charles  J  Martino 

RICHMOND COUNTY MORTGAGE CORP.

7820

Amy    Rozmus 

MCS MORTGAGE BANKERS, INC.

6101

Sandra    Bentz 

FIRST ALLIED MORTGAGE

19205

Charles    Leung 

EKR REALTY CO., INC.

18375

Joann  F  Kuno 

GLOBAL FINANCIAL, INC.

19253

Elizabeth  Karen  Moeller 

CENTENNIAL MORTGAGE CORP.

18696

Matthew  R  Rush 

SOMERSET INVESTORS CORPORATION

20075

Yoel    Werczberger 

MID-ISLAND MORTGAGE CORP.

12718

Anthony  Warren  Caen 

CONTINENTAL HOME LOANS INC.

20449

Mokhless    Guirguis 

OXFORD FINANCIAL SERVICES, INC.

20465

Joseph    Shikhman 

RICHMOND COUNTY MORTGAGE CORP.

8527

Edward    Baynes 

JOSEPHINE BAYNES DBA

20199

Hugh  B  Goldson 

MID-ISLAND MORTGAGE CORP.

19351

Juan  Pablo  Munoz 

ICC MORTGAGE SERVICES

6598

Charles  Walker  Cobb  Jr.

FREEDOM MORTGAGE CORPORATION D/B/A

5751

Shawn  Michael  Connolly 

PHH MORTGAGE CORPORATION D/B/A

4415

James  J  Favieri 

PHH MORTGAGE CORPORATION D/B/A

9683

James  Peter  Mckenna 

HORIZON MORTGAGE EQUITIES, INC.

20113

August  Joseph  Randazzo 

L BARNEY AND ASSOCIATES, INC.

20352

Sheetal    Sawhney 

FIRST RESIDENTIAL MORTGAGE

19441

Evan    Kutner 

OPTAMERICA MORTGAGE, INC.

19829

Joan    Pedersen 

RIVER'S EDGE MORTGAGE, LLC

20163

Liliana    Edwards 

PRINCIPLE MORTGAGE GROUP CORP.

20499

Peter  A  Dicroce 

MID-ISLAND MORTGAGE CORP.

20053

Barbara    Labarca 

WALL STREET MORTGAGE BANKERS LTD. DBA

20719

Concetta    Duggan 

INSIGNIA MORTGAGE GROUP, INC.

6321

Kimberly  Katherine  Hogan 

ACF PARTNERS D/B/A

19933

Kevin  Carmine  Hanna 

VIRIDIAN SERVICES CORP.

7561

Michael  Daniel  Cimino 

PREMIUM CAPITAL FUNDING LLC D/B/A

20105

Michael    Carew 

NJ LENDERS CORP.

20521

Colin  Matthew  Powers 

FIRST LARIDIAN MORTGAGE COMPANY

6170

Robert  Allen  Sadowsky 

FREEDOM MORTGAGE CORPORATION

21089

Christine    Perlow 

CONTINENTAL HOME LOANS INC.

6167

Andrew  Edward  Krall 

FREEDOM MORTGAGE CORPORATION

21024

David    Appelman 

WALL STREET MORTGAGE BANKERS LTD.

5416

Adam  Jaime  Brown 

PREMIUM CAPITAL FUNDING LLC D/B/A

20544

Shawn  D  Conley 

VISION CAPITAL ASSOCIATES, LLC D/B/A

20601

Paul    Abate 

GREAT LAND MORTGAGES, INC.

6422

Stephen    Mellis 

LONG ISLAND HOME MORTGAGE CORP.

17865

Brendan  Joseph  Mcclarnon 

CONTINENTAL HOME LOANS INC.

21249

Dean  Michael  Sourial 

INDUSTRIAL CREDIT OF CANADA, LTD. DBA

7068

Karen  Rebecca  Parker 

PHH HOME LOANS, LLC D/B/A

12708

Alberto    Vernacchio 

PHH HOME LOANS, LLC D/B/A

21309

Frank  Xavier  Aiello 

ADVANCED FUNDING SOLUTIONS, INC.

21351

Vicki    Hagman 

GUARANTEED HOME MORTGAGE COMPANY INC.

12705

Jason  Robert  Buck 

PHH HOME LOANS, LLC D/B/A

19188

Donatus  Okechukwu  Eze 

IVORY MORTGAGE CORP.

21527

Mamata  Das  Hotha 

HOMERICA MORTGAGE CORPORATION

19642

Meir    Feldman 

FAIRMONT FUNDING, LTD.

21573

Charles  H  Shulman 

NJ LENDERS CORP. D/B/A

19690

Joseph  M  Akerman 

FAIRMONT FUNDING, LTD.

4997

Thomas  C  Vaccaro 

CENTENNIAL MORTGAGE CORP.

19755

Mordechai  D  Husarsky 

FAIRMONT FUNDING, LTD.

21407

Dawn  Lee  Fineran 

GUARANTEED HOME MORTGAGE COMPANY INC.

20704

Stephanie  Hyunah  An 

SUMMIT MORTGAGE BANKERS, INC.

21676

Yadong    Pan 

SUMMIT MORTGAGE BANKERS, INC.

18607

Matt  Dillon  Rivas 

SOMERSET INVESTORS CORPORATION DBA

6554

Frank  Anthony  Micali 

WALL STREET MORTGAGE BANKERS LTD.

4683

Kim  Elaine  Dileo 

MCS MORTGAGE BANKERS, INC.

8203

Steven  Matthew  Iannuccilli 

FAMILY FINANCIAL GROUP, INC.

8308

Sean  Perry  Willard 

FAMILY FINANCIAL GROUP, INC.

17893

Alan    Majzner 

OPTAMERICA MORTGAGE, INC.

21473

Jeffrey  Ivan  Leventhal 

MID-ISLAND MORTGAGE CORP.

7504

Edward    Ades 

UNIVERSAL MORTGAGE, INC.

8189

T  Luke  Scaramella 

FAMILY FINANCIAL GROUP, INC.

12813

Steven  Curtis  Kroop 

CAPITAL MORTGAGE ASSOCIATES LLC

18858

Constantinos    Andreakos 

UNITED MORTGAGE CORP.

20148

Amy    Parker 

ADIRONDACK HOME MORTGAGE, INC.

21579

Donato    Nicolo 

ALLSTATE HOME EQUITIES CORP.

19269

Ralph  William  Dibugnara 

REFINANCE.COM

19000

Lazar  Oleg  Sherbin 

REFINANCE.COM

22032

Jill    Burke 

STREAMLINE MORTGAGE CORPORATION

6269

Angelo    Miriel 

PREMIUM CAPITAL FUNDING LLC D/B/A

18692

Clay  M  Burke 

NETFUNDING CORPORATION

13292

James  Michael  Mcniff  Jr.

TOTAL MORTGAGE SERVICES, LLC

13195

Matthew  Sean  Trumbley 

TOTAL MORTGAGE SERVICES, LLC

19274

Sean  Michael  Park 

REFINANCE.COM

19278

John  Pasquale  Scuotto 

REFINANCE.COM

21169

Daniel  Dominick  Dinapoli 

A.S.A.P. MORTGAGE CORP.

8840

Kimberly  Jo  Finkel 

MORGAN STANLEY CREDIT CORPORATION

9978

Edward  Randolph  Boyd 

MORGAN STANLEY CREDIT CORPORATION

10001

Darren  Eugene  Grannemann 

MORGAN STANLEY CREDIT CORPORATION

13181

William  D  Schettler 

TOTAL MORTGAGE SERVICES, LLC

10930

David  Charles  Beckman 

ANDY ROSS GROUP, LLC

7826

Jeffery  Richard  Andrews 

GMAC MORTGAGE, LLC D/B/A

7982

Amarilis    Deleon 

NEW BEGINNINGS ENTERPRISES

8842

Robert  Scott  Loacker 

MORGAN STANLEY CREDIT CORPORATION

17451

Aye  Thanda  Thant 

CONTINENTAL MORTGAGE BANKERS INC

8741

Michael  Edward  Ripke 

MORGAN STANLEY CREDIT CORPORATION

19468

Byron    Johnson 

MORGAN STANLEY CREDIT CORPORATION

20119

Bruce  James  Mcmillin 

MORGAN STANLEY CREDIT CORPORATION

20253

Dave  Charles  Winfrey 

MORGAN STANLEY CREDIT CORPORATION

20259

Gerald    Weis 

GW MORTGAGE CONSULTING, INC.

8847

John  David  Lundstrom 

MORGAN STANLEY CREDIT CORPORATION

21272

Stephen  Thomas  Lind 

FREEDOM MORTGAGE CORPORATION D/B/A

21256

Rafael  Jason  Levy 

GUARDIAN FIRST FUNDING GROUP, LLC

17314

Albert    Khanimov 

FUNDING UNLIMITED, LLC

17929

Michael  J.  Brennan 

MJB MORTGAGE SERVICES, INC.

6398

Shawn  Christopher  Davis 

FREEDOM MORTGAGE CORPORATION

7173

Kenneth  Joseph  Meade  Jr.

PHH MORTGAGE CORPORATION D/B/A

8316

Enid    Adinolfi 

MCS MORTGAGE BANKERS, INC.

12995

Christopher    Carey 

PREMIUM CAPITAL FUNDING LLC D/B/A

13586

Dina  Mary  Joyce 

DINA M. JOYCE

19957

Wen  Xing  Zhang 

SUMMIT MORTGAGE BANKERS, INC.

18655

Richard    Azzopardi 

SOMERSET INVESTORS CORPORATION DBA

20450

Corinne  Lomonaco  Nash 

NVR MORTGAGE FINANCE, INC.

7894

Jeremiah  Christopher  Algee 

PHH MORTGAGE CORPORATION D/B/A

9322

Kelly  Michelle  Frank-Jones 

PHH MORTGAGE CORPORATION D/B/A

8729

Marcia  Ilene  Sparling 

MORGAN STANLEY CREDIT CORPORATION

4047

Bradley  Linn  Chapman 

SIRVA MORTGAGE, INC. DBA

9199

Jacqueline    Skarre 

MCS MORTGAGE BANKERS, INC.

4498

Eric  Peter  Brennan 

SIRVA MORTGAGE, INC. DBA

4502

Bruce  David  Carberry 

SIRVA MORTGAGE, INC. DBA

8906

Michael  John  Hyatt 

MID-ISLAND MORTGAGE CORP.

3561

Debra  Jean  Jackson 

SIRVA MORTGAGE, INC. DBA

8846

Ronald  William  Barnstead  Jr.

PHH MORTGAGE CORPORATION D/B/A

8878

Kari  Jennifer  Auchenbach 

PHH MORTGAGE CORPORATION D/B/A

14258

Sigrid  Elaine  Holben 

COMMONFUND MORTGAGE CORP.

3611

John  B  Bariletti 

LOGISTICS FUNDING GROUP INC

20283

Andrew  Steven  Katz 

PHH MORTGAGE CORPORATION D/B/A

4034

Linda  Michelle  Laramy 

SIRVA MORTGAGE, INC.

4278

James  Paul  Marks 

AMERICA'S MORTGAGE BROKER, L.L.C. D/B/A

8686

Evette  Renae  Mosquera 

MORGAN STANLEY CREDIT CORPORATION

18352

Fredric    Ashe 

BURR ENTERPRISES LTD. DBA

12844

John  Joseph  Guzzetti 

GUARANTEED HOME MORTGAGE COMPANY INC.

20467

Robert  J  Phillips 

BURR ENTERPRISES LTD. DBA

19925

Edwina  Nessa  Mooney 

CONTINENTAL HOME LOANS INC.

9082

Oleg    Lusher 

DISCOUNT MORTGAGE WAREHOUSE, INC.

20298

Claudia  Rosario  Diarte 

PULTE MORTGAGE LLC

20308

Scott  Patrick  Tweedy 

PULTE MORTGAGE LLC

4534

Sijie    Fan 

CARTERET MORTGAGE CORPORATION

19670

Daniel  Gregory  Mitchell 

PHH MORTGAGE CORPORATION D/B/A

20121

Irene    Olson 

MORGAN STANLEY CREDIT CORPORATION

19624

Joan  Marie  Carey 

BURR ENTERPRISES LTD. DBA

18016

Thomas  G  Kennedy 

BURR ENTERPRISES LTD. DBA

17878

Jason  Robert  Shannon 

HUDSON MORTGAGE CONSULTANTS INC.

18781

Saul  J  Waxman 

BURR ENTERPRISES LTD. DBA

18991

Luke  Douglas  Jeffery 

PHH MORTGAGE CORPORATION D/B/A

3531

Michele  Elisabeth  Esper 

SIRVA MORTGAGE, INC. DBA

15736

Mark  Anthony  Rizza 

LONG ISLAND HOME MORTGAGE CORP.

17708

James  Matthew  Rodriguez 

PHH MORTGAGE CORPORATION D/B/A

3509

Kathleen  Marie  Pope 

SIRVA MORTGAGE, INC. DBA

4399

Ronna  Sills  Harris 

SIRVA MORTGAGE, INC. DBA

4488

Ernest  Edward  Phillips 

SIRVA MORTGAGE, INC. DBA

3456

Amanda  Pene  Zielinski 

SIRVA MORTGAGE, INC. DBA

17991

Jenchi    Chen 

BURR ENTERPRISES LTD. DBA

19537

Kenneth    Feldman 

IDEAL MORTGAGE BANKERS, LTD.

4408

Robin  Patricia  Kara 

SIRVA MORTGAGE, INC. DBA

20678

Brian  Michael  Brignola 

PHH MORTGAGE CORPORATION D/B/A

4936

Theresa  Marie  Hodge 

PHH MORTGAGE CORPORATION D/B/A

16263

Stephen  Paul  Falchetta 

PHH MORTGAGE CORPORATION D/B/A

16266

Elvis  German  Fernandez 

PHH MORTGAGE CORPORATION D/B/A

13883

Aaron    Bhasin 

PHH MORTGAGE CORPORATION D/B/A

13177

Gilbert  William  Meserole 

TOTAL MORTGAGE SERVICES, LLC

16114

Scott  Todd  Sheppard 

PHH HOME LOANS, LLC D/B/A

7067

Peter  Robert  Mulhall 

PHH HOME LOANS, LLC D/B/A

5216

Robert  Francis  Presner  Jr.

PHH HOME LOANS, LLC D/B/A

6423

Megan  Elizabeth  Wells 

PHH HOME LOANS, LLC D/B/A

13127

Daniel  Matthew  Moore 

TOTAL MORTGAGE SERVICES, LLC

7062

John  R  Oliveri 

PHH HOME LOANS, LLC D/B/A

8605

Robert    Kiepura 

MORGAN STANLEY CREDIT CORPORATION

8378

Raymond  Paul  Bishop 

MORGAN STANLEY CREDIT CORPORATION

8587

Keith  Allen  Freyman 

MORGAN STANLEY CREDIT CORPORATION

18054

Alexander  A  Vallone 

A.S.A.P. MORTGAGE CORP.

21167

Jorge  Eduardo  Cajiao 

NATIONWIDE CAPITAL FUNDING, LLC

18993

Jenifer  Joan  Perry 

PHH MORTGAGE CORPORATION D/B/A

19030

Gullbahet  Y  Khanat 

GALAXY MORTGAGE FUNDING CORP.

5881

Katherine  Jane  Breneman 

THORNBURG MORTGAGE HOME LOANS, INC.

19932

Adrienne    Setbon 

OWN-A-HOME MORTGAGE CORP.

9004

Linda  Ann  Friedman 

EMPIRE EQUITY GROUP INC. D/B/A

3448

Craig  Steven  Frankel 

MARKET YARD MORTGAGE LLC

13254

Jonathan  J  Perr 

MORTGAGE WORLD BANKERS, INC.

3526

Kevin    Gentry 

GENTRY CAPITAL SERVICES, LLC

17557

John  David  Allen 

FIRST RESIDENTIAL MORTGAGE NETWORK, INC.

13074

Patrick    Finley 

HOME FINANCE OF AMERICA, INC.

13070

Chris  J  Wilt  Mr.

HOME FINANCE OF AMERICA, INC.

9315

David  Francis  Falcone 

PHH MORTGAGE CORPORATION D/B/A

17499

Vincent  Perri  Smith 

FIRST RESIDENTIAL MORTGAGE

50478

David  Marc  Jacobson 

ALLSTATE HOME EQUITIES CORP.

50595

Eric    Forte 

ALLSTATE HOME EQUITIES CORP.

5221

Juan  E  Castano 

CHANNEL MORTGAGE LLC

12326

Walter  John  Korzeniowski 

ADVANCED FINANCIAL SERVICES INC.

12416

Albert  Stephen  Fanning 

ADVANCED FINANCIAL SERVICES INC.

18357

Elli    Kalamaras 

US MORTGAGE CORPORATION DBA

6869

Joseph  L  Petrowsky 

RIGHT TRAC FINANCIAL GROUP INC

5249

Tony    Croft 

FREEDOM MORTGAGE CORPORATION D/B/A

7647

Gina  Therese  Lalli 

ADVANCED FINANCIAL SERVICES INC.

7912

Hope  Cari  Debisceglia 

THE MANHATTAN MORTGAGE CO., INC. D/B/A

7679

Sarah  Elizabeth  Dillon 

ADVANCED FINANCIAL SERVICES INC.

19147

Daniel  De  Hanson 

ADVANCED FINANCIAL SERVICES INC.

19270

Peter  Alfred  Cimaglia 

ADVANCED FINANCIAL SERVICES INC.

20809

Troy    Derkos 

QUICKEN LOANS INC.

14137

Anthony    Focca 

CONTOUR MORTGAGE CORPORATION

19817

Robert  David  Bakhchi 

1ST REPUBLIC MORTGAGE BANKERS, INC.

4282

Stephen  Cosmo  Chmela 

EMP NETWORK, INC.

20979

German    Barbe 

QUICKEN LOANS INC.

7600

Matthew  Todd  Brent 

ADVANCED FINANCIAL SERVICES INC.

58243

Jacob  Solomon  Feinzeig 

SIMA FUNDING, LTD.

19323

David  M  Basaleli 

GUARANTEED HOME MORTGAGE COMPANY INC.

19450

Scott  Christopher  Egan 

ADVANCED FINANCIAL SERVICES INC.

8100

Bret  Douglas  Arnold 

ADVANCED FINANCIAL SERVICES INC.

21195

Doron    Eisenberg 

QUICKEN LOANS INC.

21373

Keri  D  Stichler 

QUICKEN LOANS INC.

8029

Michael    Bethel 

PROGRESSIVE MORTGAGE CORP.

5273

Saed  F  Abuzahrieh 

CAPITAL HOME MORTGAGE CORP.

8607

Graham  Edward  Powers 

ADVANCED FINANCIAL SERVICES INC.

20826

Amina    Abboushi 

QUICKEN LOANS INC.

8591

Ryan  Parker  Hall 

ADVANCED FINANCIAL SERVICES INC.

8165

Jennifer  Marie  Serino 

ADVANCED FINANCIAL SERVICES INC.

8149

Jeffrey  John  Cordeiro 

ADVANCED FINANCIAL SERVICES INC.

7734

Claudio  Pablo  Williams 

MORTGAGE CAPITAL ASSOCIATES, INC.

12463

Christopher  Ricardo  Francis 

WILLIAM RAVEIS MORTGAGE, LLC

4481

Tara  Marie  Fehlau 

NATIONSTAR MORTGAGE LLC D/B/A

64275

Joseph  Antoine  Morizio 

HOME MORTGAGE NETWORK, LLC

5957

Joseph    Picozzi 

MORTGAGE EXPRESS, LLC D/B/A

66995

David  R.  Cassidy 

FIRST PRIORITY MORTGAGE INC.

20639

Sau  Yun  Giardina 

MANOR MORTGAGE CORP.

17128

Anna    Lazar 

ALLIED FINANCIAL LLC D/B/A

9605

John  K  Reyes 

CANNONDALE FINANCIAL LLC

17341

Sima    Feinzeig 

SIMA FUNDING, LTD.

9268

Michael    Catalino 

TIER ONE MORTGAGE, LLC

65007

Phyllis    Frederick 

LINK ONE MORTGAGE BANKERS LLC


SECTION III

May 11, 2009
NBT BANK, NATIONAL ASSOCIATION
52 South Broad Street, Norwich, NY 13815, Chenango County

Application to open Norwich Branch, 52 South Broad Street, Norwich, NY   13815, Chenango County, received.


May 14, 2009
GLENS FALLS NATIONAL BANK AND TRUST COMPANY
250 Glen Street, Glens Falls, NY   12801, Warren County

Application to open Greenwich Drive-In Office, 1153 State Route 29, Greenwich, NY 12834, Washington County, received.

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