Weekly Bulletin

August 19, 2011

SECTION I
This section records the receipt of applications and notices to the Banking Division of the Department of Financial Services. Applications and notices received by Foreign and Wholesale Banks, Community and Regional Banks and Licensed Financial Services are listed in order of date of receipt; applications and notices received by Mortgage Banking 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 DEPARTMENT.
Any comment on, or objection to, any item contained in this Weekly Bulletin should be presented to the 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 Office of the General Counsel, New York State Department of Financial Services, One State Street, New York, New York 10004-1417 before the stated deadline or (b) transmitted by e-mail to Comments@dfs.ny.gov.

SECTION II
Section II records actions taken by the Superintendent of Financial Services, and other information concerning the activities of the Banking Division of the Department of Financial Services. Actions relating to institutions supervised by Foreign and Wholesale Banks, Community and Regional Banks and Licensed Financial Services are listed in order of date of action; actions relating to institutions supervised by Mortgage Banking are listed at the end of Section II by type of action taken.

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 unit of the Department 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 PF = 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 = Mortgage Servicer MI = Miscellaneous

Regulatory Unit Codes

FWB = Foreign and Wholesale Banks
CRB = Community and Regional Banks
LFS = Licensed Financial Services
MBD = Mortgage Banking
CSD = Consumer Services

SECTION l

August 15, 2011 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Application dated August 11, 2011 for permission to open and occupy a branch office at Franklin & Marshall College, 415 Harrisburg Avenue, Lancaster, Lancaster County, PA 17603 for the limited purpose of opening accounts, received.

(This branch is to be in operation periodically at this location.)

August 16, 2011 (SF-LFS)
SERVICE FINANCE HOLDINGS, LLC
555 South Federal Highway, Suite 200, Boca Raton, Palm Beach County, FL 33432

Application received for a change of control of Service Finance Company, LLC U/A/N Finance Service Company.

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.

August 18, 2011 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Application dated August 16, 2011 for permission to open and occupy a branch office at Dover Motor Speedway, 1131 North DuPont Highway, Dover, Kent County, DE 19901 for the limited purpose of opening accounts, received.

(This branch is to be in operation periodically at this location.)

August 18, 2011 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Notice of intention to establish an electronic facility (non-deposit-taking automated teller machine) at Orange Regional Medical Center, 707 East Main Street, Town of Wallkill, Orange County, NY 10940, received.

August 18, 2011 (MS-FWB)
UNIONBANCAL CORPORATION
400 California Street, San Francisco, CA 94104

Application, pursuant to Section 143-a of the Banking Law, for the prior approval of the Superintendent of Banks, to acquire all the capital stock of Bank of Tokyo-Mitsubishi UFJ Trust Company, received.

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

August 11, 2011 (MB-MBD)
Applicant(s)
Brett Jason Rome
Richard Lee Sharp
Michael Christopher Hild
Stuart Hades Cantor
William Frank Panak
Eric Gegner Roher
FLS Trust
As: Live Well Financial, Inc.
1 Capitol Square, 830 East Main Street, Suite 1000, Richmond, VA 23219

August 11, 2011 (MB-MBD)
Applicant(s)
Lou Anne Bigaouette
Christopher McKenna
David R. Stagnitti
David J. Jurczynski
The Cap Com Group, LLC
As: CCFCU Funding, LLC D/B/A Homeowners Advantage
453 New Karner Road, Albany, NY 12205 3821

August 15, 2011 (MB-MBD)
Applicant(s)
David John Zugheri
Dale Richard Thompson
Patrick Allen Walden
Dana Ari Gompers
Bradley C. Mauritzen
Charles Edward Grehn
Flatonia Investments, LLC
Kovar, LLC
Cistern, LLC
As: Envoy Mortgage, Ltd.
5100 Westheimer Road, Suite 320, Houston, TX 77056 5515

August 15, 2011 (MB-MBD)
Applicant(s)
Wesley Grant Iseley
John Raymond Alkire
Darren Andrew Fulco
Deborah Kay DeFlores
Carrington Mortgage Holdings, LLC
Carrington Holding Company, LLC
As: Carrington Mortgage Services, LLC
1610 East Saint Andrew Place, Suite B-150, Santa Ana, CA 92705 4931

August 16, 2011 (MB-MBD)
Applicant(s)
Kevin M. Brungardt
Robin H. Chandler
RoundPoint Financial Group Inc.
As: RoundPoint Mortgage Company
8 Parkway Plaza, 5032 Parkway Plaza Blvd., #200, Charlotte, NC 28217

August 16, 2011 (MB-MBD)
Applicant(s)
Mark Charles Pappas
Donald Epstein
Phillip Barry Kukafka
Keith George Bilodeau
Gregory G. O'Connor
Descap Mortgage Funding, LLC
Gleacher & Company
As: ClearPoint Funding, Inc.
46 Lizotte Drive, Marlborough, MA 01752

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

August 11, 2011 (MLS-MBD)
Applicant(s)
John T. LaRose
Ryan LaRose
Beverly Reck
As: Compu-Link Corporation d/b/a Celink
3900 Capital City Blvd, Lansing, MI 48906

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

August 18, 2011 (MLS-MBD)
Applicant(s)
Larry B. Litton Jr.
Shane I. Ross
John J. Boudreaux
Litton Consumer and Corporate Servicing LLC
Litton Mortgage Servicing LLC
As: Litton Loan Servicing LP
4828 Loop Central Drive, Houston, TX 77081

Application to establish a Mortgage Loan Servicer’s Branch received for examination:

August 18, 2011
Full Service Branch
Litton Loan Servicing LP
250 E John Carpenter Freeway, Irving, TX 75062

August 18, 2011
Full Service Branch
Litton Loan Servicing LP
3500 Loop Road, McDonough, GA 30253

Article 12-E Applications received. Individuals listed may not engage in mortgage loan origination activities prior to the approval of their application for licensing. They must also complete all required education, testing and bonding requirements by the dates set forth in Part 420 of the Superintendent’s Regulations which may be found on the Department’s website.

Date of Application	NMLS ID	Name of Applicant	City & State of Residence
September 9, 2010	180433	Corey Matthew Leonard	Phoenix	AZ
March 1, 2011	148647	Eliezer Ritvo	Far Rockaway	NY
March 15, 2011	413590	William Shanahan	Hollis	NY
March 15, 2011	386120	Stephen C. Schoffman	Great Neck	NY
May 13, 2011	160958	Iskyo Aronov	Middle Village	NY
May 17, 2011	373045	Tyler Lee Hembree	Coppell	TX
June 11, 2011	480436	Kyong Hee Rhee	New York	NY
July 6, 2011	339893	Justin Thomas Holmes	Glenside	PA
July 11, 2011	409748	Tracy E. Carey	Wainscott	NY
July 12, 2011	198671	Christopher James Tyll	Ferndale	MI
July 19, 2011	115017	Kimberly Jade Weintraub	Fairfield	CT

SECTION II

August 4, 2011 (CC-LFS)
AMITYVILLE PAYROLL SERVICES, INC.
575 Broadway, Amityville, NY 11701

Licenses to engage in business as casher of checks were surrendered for the following locations:

2000 New Horizons Boulevard, Amityville, NY 11701 (limited station)
10 Vitamin Drive, Bayport, NY 11705 (limited station)
2100 Smithtown Avenue, Ronkonkoma, NY 11779 (limited station)
90 Orville Drive, Bohemia, NY 11716 (limited station)
105 Orville Drive, Bohemia, NY 11716 (limited station)
4320 Veterans Memorial Highway, Holbrook, NY 11741 (limited station)
115 Orville Drive, Bohemia, NY 11716 (limited station)
110 Orville Drive, Bohemia, NY 11716 (limited station)

August 8, 2011 (CC-LFS)
CEBCO CHECK CASHER CORP.
369 Palmetto Street, Brooklyn, NY 11237

License to engage in business as casher of checks for the limited station located at Green Bus Lines Inc., 165-25 147th Street, Jamaica, NY 11434 was surrendered.

August 12, 2011 (SB-CRB)
EMIGRANT SAVINGS BANK - MANHATTAN
250 West 23rd Street, New York, NY 10011

Authorization granting permission to open and occupy a branch office at 261 Broadway, Borough of Manhattan, City of New York 10007, surrendered for cancellation.

Office discontinued as of August 5, 2011.

August 15, 2011 (SB-CRB)
EMIGRANT SAVINGS BANK - MANHATTAN
250 West 23rd Street, New York, NY 10011

Approval given to change the location of branch office from 395 Avenue of the Americas, Borough of Manhattan, City of New York 10014 to 10 Downing Street (a/k/a 257-263 Avenue of the Americas), Borough of Manhattan, City of New York 10014, on or after August 16, 2011.

August 15, 2011 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Authorization issued to open and occupy a branch office at Cornell University, 245 Day Hall, Ithaca, Tompkins County, NY 14853 for the limited purpose of opening accounts, on or after August 16, 2011.

(This branch is to be in operation periodically at this location.)

August 16, 2011 (SB-CRB)
THE ONEIDA SAVINGS BANK
182 Main Street, Oneida, NY 13421

Authorization issued to open and occupy a branch office at 7812 Turin Road, Rome, Oneida County, NY 13441, on or after August 17, 2011.

August 16, 2011 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Notification received, in accordance with Supervisory Policy G 8, of the relocation of representative office from 1524 3rd Avenue (Suite 202), Longview, Cowlitz County, WA 98632 to 1208 Washington Way, Longview, Cowlitz County, WA 98632, effective August 9, 2011.

August 16, 2011(SF-LFS)
MAI HOLDING LLC
375 Lexington Ave., New York, New York County, NY 10017

Application received for a change of control of 20% of Westlake Services LLC U/A/N Westlake Financial Services located at 4751 Wilshire Blvd., Suite 100, Los Angeles, Los Angeles County, CA 90020, Inc., was approved by the Superintendent of Banks.

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

August 17, 2011 (BR-MBD)
Full Service Branch
L.W. Integrity Funding, LLC
4498 Main Street, Suite 8, Amherst, NY 14226
Effective Date: August 17, 2011

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

August 11, 2011 (MB-MBD)
Full Service Branch
Guidance Residential, LLC
Three Neshaminy Interplex, Suite 301, Trevose, PA 19053
Effective Date: August 09, 2011

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

August 11, 2011 (BR-MBD)
Fair Home Enterprise Inc.
168-08 35th Avenue, Flushing, NY 11358 1735

August 16, 2011 (BR-MBD)
Narine Sumasar D/B/A Lexus Funding
101-05 120th Street, 1st Floor Rear, South Richmond Hill, NY 11419 2003

August 16, 2011 (BR-MBD)
Perri Funding Corp.
300 Bedford Avenue, Suite 201, Bellmore, NY 11710

August 16, 2011 (BR-MBD)
Bluestone Mortgage Corp.
30 Jericho Executive Plaza, Suite 100C, Jericho, NY 11753

Application to assume inactive status as a registered mortgage broker pursuant to Article 12-D of the Banking Law approved:

August 15, 2011 (BR-MBD)
Lewis Hunt Enterprises, Inc.
3250 West Big Beaver Road, Suite 300, Troy, MI 48084 2909
Effective Date: August 05, 2011

August 17, 2011 (BR-MBD)
Advocate Equities Corp.
866 Coney Island Ave, Brooklyn, NY 11218 6040
Effective Date: August 05, 2011

August 17, 2011 (BR-MBD)
Performance Residential Capital Corp.
847 Fulton Street, Farmingdale, NY 11735
Effective Date: July 19, 2011

Application to assume active status as a registered mortgage broker pursuant to Article 12-D of the Banking Law approved:

August 16, 2011 (BR-MBD)
A1 Funding, Inc.
333 Rutledge Street, Suite 202, Brooklyn, NY 11211
Effective Date: August 16, 2011

Mortgage Broker Certificate Address Changes:

August 17, 2011 (BR-MBD)
L.W. Integrity Funding, LLC
From: 1127 Wehrle Drive, Suite A, Williamsville, NY 14221
To: 4498 Main Street, Suite 8, Amherst, NY 14226 3826

The following application published in Weekly Bulletin dated July 29, 2011 is amended to read as follows:
Article 12-E Applications received. Individuals listed may not engage in mortgage loan origination activities prior to the approval of their application for licensing. They must also complete all required education, testing and bonding requirements by the dates set forth in Part 420 of the Superintendent’s Regulations which may be found on the Department’s website.

Date of Application	NMLS ID	Name of Applicant	City & State of Residence
July 1, 2011	27923	Matthew Muska	Macomb	MI

Applications for licensing 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:

Date of Application	Date Application Withdrawn	NMLS ID	Name of Applicant	City & State of Residence
March 7, 2008	October 2, 2010	4944	Juan Carlos Avelar Lopez	Westbury	NY
June 26, 2008	August 12, 2011	27923	Matthew Muskan	Macomb	MI
July 1, 2008	October 26, 2010	32721	David Kravets	Swampscott	MA
July 2, 2008	August 15, 2011	67901	Angela Mandarino	Lake Grove	NY
August 15, 2008	August 12, 2011	93685	Peter James Pescatore	Mt. Sinai	NY
June 17, 2009	October 4, 2010	23070	Ryan Robert Jerome	Foster	RI
August 21, 2009	October 20, 2010	31184	Gary Joseph Eckhardt	Flanders	NJ
November 20, 2009	August 15, 2011	213745	Pascale Medor	Jamaica Estates	NY
December 22, 2009	August 12, 2011	223376	Kory Michael Matthys	Aliso Viejo	CA
February 25, 2010	May 7, 2010	25961	Michael Russo	Branford	CT
March 15, 2010	August 10, 2011	279789	Andrew Libow	Merrick	NY
June 23, 2010	August 12, 2011	261685	Gerald Armand Auclair	Middletown	RI
October 29, 2010	August 15, 2011	183025	Gun Tony Kim	Flushing	NY
November 29, 2010	August 15, 2011	181826	Rasa Mary Skeeters	Canton	MI
June 10, 2011	August 1, 2011	493361	Steven Gus Hloros	Solon	OH