Skip to Content

NY.gov Portal State Agency Listing

Translate | Disclaimer

Weekly Bulletin
September 18, 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

August 31, 2009, (CU-CRB)
HUDSON RIVER CREDIT UNION
312 Palmer Avenue, Corinth, NY 12822

Application pursuant to Article XI Section 461.1 to change the credit union’s branch location to 40 Leversee Road, Troy, New York 12182 from 1444 Massachusetts Avenue, Troy, New York, 12180, received.


September 10, 2009 (SB-CRB)
RIDGEWOOD SAVINGS BANK
71-02 Forest Avenue, Ridgewood, NY  11385

Notice of intention to establish an electronic facility (automated teller machine) at the Town of Hempstead's Annual Family Festival by the Sea, Town Park Lido Beach, 630 Lido Boulevard, Lido Beach, Town of Hempstead, Nassau County, NY 11561, received.

(This is a mobile facility which will operate on October 3 and October 4, 2009, and annually thereafter at the above event.)           

The comment period on this notice will expire on September 28, 2009.


September 14, 2009 (CC-LFS)
YNK FINANCIAL SERVICES, LLC
153-41 Rockaway Blvd., Jamaica, NY 11434

An application was received for a license to engage in business as a licensed casher of checks at 153-41 Rockaway Blvd., Jamaica, NY 11434.

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.


September 14, 2009 (TM-LFS)
NOTEWORLD LLC, U/A/N NOTEWORLD SERVICING CENTER
1001 Pacific Avenue, Suite 200, Tacoma, WA 98402

An application for a license to engage in business as a transmitter of money 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.


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

September 14, 2009 (MB-MBD)
Full Service Branch
US Mortgage Corporation DBA Mortgage Concepts
664 Suffolk Avenue, 2nd floor, Brentwood, NY 11717

September 16, 2009 (MB-MBD)
Full Service Branch
Premium Capital Funding LLC D/B/A Topdot Mortgage
3111 Camino Del Rio North, Suite 100, San Diego, CA 92108


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

September 16, 2009 (BR-MBD)
Agent Funding & Abstract LLC D/B/A Mortgage Tech Home Finance
4459 Amboy Road, 2nd Floor, Suite 1, Staten Island, NY 10312 3863


Article 12-E Applications received after July 11, 2009. Each individual listed may not engage in mortgage loan origination activities until notified in writing that he or she may do so. In addition, all such individuals must be licensed by the dates set forth in Article 12-E (as in effect on July 11, 2009).  They must  also complete all required education, testing and bonding requirements by the dates set forth in regulations being drafted by the Superintendent pursuant to the authority of Article 12-E.

June      10 2009

Joseph  Alan  Boscia

Eastchester

NY

June      30 2009

Donna  Lee  Germain

Jamestown

NY

June      30 2009

Steve    Parasidis

Fairfax

VA

July      06 2009

James  P  Cefaratti  Jr

Voorhees

NJ

July      08 2009

Patricia    Whitlock-Stephanides

Brookhaven

NY

July      14 2009

Dan  Thomas  Downs

Colorado Springs

CO

July      15 2009

Michael  Wayne  Stephens

Cambria Heights

NY

July      16 2009

Steven  Scott  Raebel

Jacksonville

FL

July      21 2009

Radni    Davoodi

East Hills

NY

July      27 2009

Mark    Slepian

Newton

NJ

July      27 2009

Howard  Marc  Sloane 

Roslyn

NY

July      29 2009

Jeff    Brion 

Laguna Beach

CA

July      29 2009

Dolores  E  Jackson-Gordon

Farmingville

NY

July      30 2009

William    Conwell

Elkins Park

PA

July      30 2009

Kelly  Gordon  Takemoto

Charlotte

NC

July      30 2009

Dirk  Hans  Keysser

New York

NY

July      30 2009

Jonathan  A  Okoh

Loxahatchee

FL

August    03 2009

Michael  Joseph  Zezima

Levittown

NY

August    03 2009

Deandray  Lamont  Griffith  Sr.

Los Angeles

CA

August    03 2009

Ronald  Lloyd  Keene

East Norriton

PA

August    03 2009

Michael  Lee  Weeks

Anaheim

CA

August    03 2009

Joseph    Kwon

La Habra

CA

August    03 2009

Peter    Ruggles

Oyster Bay

NY

August    03 2009

Thomas  Ronald  Dilavore

Wantagh

NY

August    03 2009

George  Robert  Merill

Patchogue

NY

August    04 2009

Shireen    Foroohar

Newport Coast

CA

August    04 2009

Huy  Trong  Nguyen

Plano

TX

August    04 2009

Allan  Michael  Haas

Lewisville

TX

August    04 2009

Cara  Louise  Westbrook

Plano

TX

August    05 2009

Nancy  Lee  Rehse

Loma Linda

CA

August    05 2009

Fred  J.  Goncher

Garnerville

NY

August    05 2009

John    Hanson

East Meadow

NY

August    05 2009

William  J  Arvidson

Bedford

NY

August    05 2009

Luis  A  Loayza

Richmond Hill

NY

August    05 2009

Kimberly  Jean   Osterhoudt

Birmingham

MI

August    06 2009

Michael  Angelo  Attina

New York

NY

August    06 2009

Thomas  Steven  Gregory

East Meadow

NY

August    06 2009

Mark  A  Lawrence

Commack

NY

August    06 2009

Christopher    Meyer

Hicksville

NY

August    06 2009

Roberto  C  Villacorta

Brentwood

NY

August    07 2009

Alexa    Galarza

Bronx

NY

August    07 2009

Sean  Noel  Byrne

Morris Plains

NJ

August    07 2009

Terry  K  Harrigan

Sparta

NJ

August    10 2009

Keith  P.  Moran

West Islip

NY

August    10 2009

George  Felix  Gomez

Far Rockaway

NY

August    10 2009

Benedict  David  Moore

Mckinney

TX

August    10 2009

Todd  A  Triolo

Great River

NY

August    11 2009

Francis  Martin  Spiegel  Jr.

New York

NY

August    11 2009

Marat    Lerner

Brooklyn

NY

August    11 2009

Taina    Guerrier

Roosevelt

NY

August    11 2009

Jason  Carter  Greenwood

Kutztown

PA

August    11 2009

Stanley    Samet

Woodbury

NY

August    11 2009

Maria  Florencia  Echeveste

Yorba Linda

CA

August    13 2009

Brian  Edward  Lewis

Warwick

RI

August    13 2009

Kathryn    Clejan

Manhasset

NY

August    12 2009

David  M  Baron

North Wales

PA

August    12 2009

Larry  Joe  Honn

Lakewood

CA

August    13 2009

Sang  Hoon  Kwak

Aliso Viejo

CA

August    13 2009

Thomas  Joseph  Morcos

Riverside

CA

August    13 2009

Raymond  Paul  Sperl

Medford

NY

August    13 2009

Tanveer    Rahim

New Hyde Park

NY

August    12 2009

Jason  Kahn  Moulton

Roseville

CA

August    13 2009

Geoffrey  Martin  Proctor

Granite Bay

CA

August    13 2009

Hope  Renee  O'Brien

Rensselaer

NY

August    14 2009

David  Alan  Sitzer

Lake Success

NY

August    14 2009

Tho  Gia  Banh

El Monte

CA

August    14 2009

Nazimul    Razack 

Jamaica

NY

August    14 2009

John  Robert  Spannagel

Irvine

CA

August    14 2009

Wilfrid    Jacques

Brooklyn

NY

August    14 2009

Donald  Ray  Sablatura  Jr

Trabuco Canyon

CA

August    14 2009

Brian  Joseph  Van Howe

Corona

CA

August    14 2009

Homar  A  Garces

Brentwood

NY

August    14 2009

Eric  Hugo  Jorgensen

Orem

UT

August    14 2009

Morgan  D.  Johnson

Heber City

UT

August 20 2009

Matthew  Theodore  Weaver

Boca Raton

FL


SECTION II

August 17, 2009 (CC-LFS)
NY COMMUNITY FINANCIAL, LLC D/B/A THE CHECK CASHING PLACE       
560 Sylvan Avenue, Englewood Cliffs, NJ, 07632-3119

A license was issued to engage in business as a licensed casher of checks, as a result of the purchase of certain assets of Alivad Associates, Inc. at 114-117 Rockaway Beach Blvd., Rockaway Park, NY 11694.

In connection with the above license issuance, the original check casher license for 114-117 Rockaway Beach Blvd., Rockaway Park, NY 11694 was surrendered.


August 17, 2009 (CC-LFS)
NY COMMUNITY FINANCIAL, LLC D/B/A THE CHECK CASHING PLACE
560 Sylvan Avenue, Englewood Cliffs, NJ 07632

A license was issued to engage in business as a licensed casher of checks at 
361 Court Street, Brooklyn, NY 11231.

In connection with the above license issuance, the original check casher license for 361 Court Street, Brooklyn, NY 11231 was surrendered.


August 17, 2009 (CC-LFS)
NY COMMUNITY FINANCIAL, LLC D/B/A THE CHECK CASHING PLACE
560 Sylvan Avenue, Englewood Cliffs, NJ 07632

A license was issued to engage in business as a licensed casher of checks at 
4229 18th Avenue, Brooklyn, NY 11218.


August 17, 2009 (CC-LFS)
NY COMMUNITY FINANCIAL LLC D/B/A THE CHECK CASHING PLACE
560 Sylvan Avenue, Englewood Cliffs, NJ 07632   

A license was issued to engage in business as a licensed casher of checks, as a result of the purchase of certain assets of Alivad Associates, Inc. at 4822 Eighth Avenue, Brooklyn, NY 11220.    

In connection with the above license issuance, the original check casher license for 4822 Eighth Avenue, Brooklyn, NY 11220 was surrendered.


August 17, 2009 (CC-LFS)
NY COMMUNITY FINANCIAL, LLC D/B/A THE CHECK CASHING PLACE       
560 Sylvan Avenue, Englewood Cliffs, NJ, 07632-3119

A license was issued to engage in business as a licensed casher of checks as a result of the purchase of certain assets of Alivad Associates, Inc. at  2471 84th Street, Brooklyn, NY 11214.

In connection with the above license issuance, the original check casher license for 2471 84th Street, Brooklyn, NY 11214 was surrendered.


September 10, 2009 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Authorizations granting permission to open and occupy branch offices at the following two locations, surrendered for cancellation:

  1. 8737 Colesville Road, Silver Spring, Montgomery County, MD 20910; and
  2. 522 Ritchie Highway, Severna Park, Anne Arundel County, MD 21146.

Offices discontinued as of August 28, 2009.


September 10, 2009 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203
           
Notification received of the closing of a representative office at Le Moyne College, 1419 Salt Springs Road, Syracuse, Onondaga County, NY 13214, effective August 29, 2009.  (This institution now periodically operates a limited purpose branch office at this location.)


September 11, 2009 (SF-LFS)
GMAC INC.
200 Renaissance Center, MC 482 B12 C82, Detroit, MI  48265

Branch licenses were issued in connection with a change of entity to GMAC Inc. from GMAC LLC.

3104 Unionville Road, Cranberry Township, Butler County, PA  16066
5208 Tennyson Parkway – Suite 120, Plano, Collin County, TX 75024

In connection with the above branch licenses issuance, the sales finance company licenses in the name of GMAC LLC were surrendered.


September 14, 2009 (SF-LFS)
J & S AUTO CREDIT, INC. U/A/N JSAC
740 State Street, Schenectady, NY 12307

A license was issued for a change of name to J & S Auto Credit, Inc. U/A/N JSAC.

In connection with the above license issuance, the original J & S Auto Credit, Inc. license was surrendered.


September 15, 2009 (SF-LFS)
LEADERS FINANCIAL COMPANY
21 Commerce Drive, 1st Floor, Suite 101, Cranford, NJ 07066.

A license rider was issued in connection with the relocation to 21 Commerce Drive, 1st Floor, Suite 101, Cranford, NJ 07066 from 67 Walnut Avenue, Suite 110, Clark, NJ 07066.


September 16, 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.


September 16, 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 an electronic facility (automated teller machine) at 250 West Pratt Street, Baltimore, MD 21201.


September 16, 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 an electronic facility (automated teller machine) at Sheetz Convenience Store, 104 State Route 19, Hurricane, Putnam County, WV 25526.


September 17, 2009 (IC-FWB)
MERRILL LYNCH INTERNATIONAL FINANCE CORPORATION
2 World Financial Center, New York, NY 10281

Final Order and Judgment of Dissolution entered in the Supreme Court of the State of New York, County of New York, on August 20, 2009 in compliance with Section 605 of the Banking Law, dissolving Merrill Lynch International Finance Corporation, New York and terminating its corporate existence.


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

September 14, 2009 (BR-MBD)
Full Service Branch
Equity Source In Lieu of True Name Equity Source Home Loans, LLC
6903 15th Avenue, Suite #1, Brooklyn, NY 11228


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

September 14, 2009 (MB-MBD)
Full Service Branch
Mortgage Access Corp. DBA Weichert Financial Services
1 Newark Street, Hoboken, NJ 07030

September 14, 2009 (MB-MBD)
Full Service Branch
Mortgage Access Corp. DBA Weichert Financial Services
455 Boston Post Road, Old Saybrook, CT 06475

September 14, 2009 (MB-MBD)
Full Service Branch
MLD Mortgage Inc. D/B/A The Money Store
Additional DBA(S): Mortgage Lending Direct
101 East 8th Avenue, Suite 300, Conshocken, PA 19428

September 14, 2009 (MB-MBD)
Full Service Branch
Mortgage Access Corp. DBA Weichert Financial Services
1051 Long Ridge Road, Stamford, CT 06903

September 14, 2009 (MB-MBD)
Full Service Branch
Mortgage Access Corp. DBA Weichert Financial Services
310 Main Street, Fort Lee, NJ 07024

September 14, 2009 (MB-MBD)
Full Service Branch
Mortgage Access Corp. DBA Weichert Financial Services
5 South Franklin Turnpike, Ramsey, NJ 07446

September 14, 2009 (MB-MBD)
Full Service Branch
Mortgage Access Corp. DBA Weichert Financial Services
15 West Ridgewood Avenue, Ridgewood, NJ 07450


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

September 15, 2009 (BR-MBD)
First Laridian Mortgage Company
577 Hamburg Turnpike, Wayne, NJ 07470


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

September 16, 2009 (BR-MBD)
Ronald J. Schoepfel DBA Mortgage Funding Professionals
1445 Plank Road, Webster, NY 14580 9378
Effective Date: September 11, 2009


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

September 10, 2009 (BR-MBD)
Full Service Branch
Old Dominion Mortgage Co., Inc.
54 Elizabeth Street, Red Hook, NY 12571
Effective Date: September 09, 2009

September 16, 2009 (BR-MBD)
Full Service Branch
Clearway Mortgage, LLC
290 Elwood Davis Road, Suite 225, Liverpool, NY 13088
Effective Date: September 14, 2009


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

September 16, 2009 (MB-MBD)
Full Service Branch
Gateway Funding Diversified Mortgage Services, L.P.
425 Amwell Road, Suite 204, Hillsborough, NJ 08844
Effective Date: September 15, 2009


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

September 10, 2009 (BR-MBD)
Commodore Mortgage Group Ltd.
One Exchange Place, 9th Floor, Jersey City, NJ 07302 4914

September 10, 2009 (BR-MBD)
Delva Real Estate and Mortgages, Inc.
212-47 Jamaica Avenue, Suite 200, Queens Village, NY 11428

September 10, 2009 (BR-MBD)
Choice National Mortgage Corporation UAN American Homestead Mortgage
326 Meadow Avenue, Newburgh, NY 12550 3043

September 11, 2009 (BR-MBD)
Sonia W. May DBA Lenox Mortgage
257-70 145th Avenue, Rosedale, NY 11422

September 14, 2009 (BR-MBD)
Trinity Funding, Inc. D/B/A Susan J. Hayden
130 Third Avenue, Brentwood, NY 11717 4617

September 14, 2009 (BR-MBD)
East End Mortgage, Inc.
59 Maple Street, Suite A, Southampton, NY 11968
Branch Offices:
124 Front Street, 2nd floor, Greenport, NY 11944

September 14, 2009 (BR-MBD)
Apollo Funding Inc.
324 West Ball Road, Anaheim, CA 92805 6049

September 14, 2009 (BR-MBD)
Astor Funding Ltd.
185-28 Union Turnpike, Fresh Meadows, NY 11366 1732

September 15, 2009 (BR-MBD)
United Mortgage Group, Inc.
54C Sunnyside Boulevard, Plainview, NY 11803
Branch Offices:
681 Bryant Street, East Meadow, NY 11554

September 16, 2009 (BR-MBD)
Five Boro Funding Group, LLC
138-44 Queens Boulevard, 2nd Floor Suite 200, Briarwood, NY 11435


Mortgage Broker Certificate Name Changes:

September 14, 2009 (BR-MBD)
From: Maximum Financial LLC D/B/A The Mortgage Capital Group
To: The Mortgage Capital Group LLC


Mortgage Broker Certificate Address Changes:

September 15, 2009 (BR-MBD)
Southwest Mortgage, Inc.
From: 22 Long Ridge Road, 2nd Floor, Stamford, CT 06905
To: 111 High Ridge Road, Suite 18B, Stamford, CT 06905 3813

September 16, 2009 (BR-MBD)
Win Financial Corp.
From: 2277 Fair Oaks Boulevard, Suite 110, Sacramento, CA 95825
To: 1750 Howe Avenue, Suite 600, Sacramento, CA 95825 3370


Mortgage Broker Branch Certificate Address Changes:

September 14, 2009 (BR-MBD)
Maple Tree Funding LLC
From: 150 Warren Street, Glens Falls, NY 12801
To: 310 Bay Road, Queensbury, NY 12804


Applications for authorization as a Mortgage Loan Originator under Article 12-E of the New York Banking Law, WITHDRAWN.  The individuals listed may not engage in mortgage loan origination activity in New York State or on New York State residential property:

March 05   2008

13675

Roy    Cooper

Laurelton

NY


Article 12-E Applications filed prior to July 11, 2009 and deemed complete by the Superintendent.  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. In addition, all such individuals must be licensed by the dates set forth in Article 12-E (as in effect on July 11, 2009). They must  also complete all required education, testing and bonding requirements by the dates set forth in regulations being drafted by the Superintendent pursuant to the authority of Article 12-E.

July      15 2008

Dennis  James  Jaeger 

Massapequa

NY

January  21 2008

Carlos  F  Lozano

Mineola

NY

October  22 2008

Vaughn  Jerome  Roper  Sr

South Floral Pk

NY

March    23 2009

Adam    Broder

Freeport

NY

April      15 2009

Christine  Mcdermott  Lauria 

Babylon

NY

April      24 2009

David    Shekhter

Brookylyn

NY

May       03 2009

Jose  Antonio  Sierra  Jr.

Middle Village

NY

May       12 2009

Harris  Alan  Nightingale

Ny

NY

May       12 2009

Steven    Valente

Long Beach

NY

May       14 2009

Sean  Thomas  Geddis

New York

NY

May       15 2009

Stan    Brinzensky

Brooklyn

NY

May       18 2009

Saunda  Latreece Thompson  F

Philadelphia

PA

May       20 2009

Isaak     Khafizov

Howard Beach

NY

May       21 2009

Thaddeus    Faulknor

Yonkers

NY

June      10 2009

Joseph  Alan  Boscia

Eastchester

NY


THERE ARE NO SECTION III ITEMS THIS WEEK.