Weekly Bulletin

December 9, 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.This Weekly Bulletin may also be viewed online at the Department’s Web site at: http://www.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
BP	Budget Planner
CC	Check Casher
CU	Credit Union
FA	Foreign Agency
FB	Foreign Branch
FR	Foreign Representative Office
HC	Holding Company
IC	Investment Company
LL	Licensed Lender
MK	Merchant Bank
MI	Miscellaneous

MB	Mortgage Banker
BR	Mortgage Broker
MS	Mortgage Servicer
PF	Premium Finance Agency
PB	Private Banker
SD	Safe Deposit Company
SF	Sales Finance Agency
SL	Savings and Loan Association
SB	Savings Bank
TM	Transmitter of Money
TR	Trust Company

REGULATORY UNIT CODES

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

SECTION l

December 1, 2011 (BP-LFS)
DEBt Management CREDIT COUNSELING CORP.
700 W. Hillsboro Blvd., Suite 105, Hillsboro Center, Bldg 1,
Deerfield Beach, Broward County, FL 33441

A notification of a relocation to 3310 N. Federal Highway, Lighthouse Point, Broward County, FL 33064 was received.

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 applicant.

December 5, 2011 (CC-LFS)
NY COMMUNITY FINANCIAL, LLC U/A/N 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 in connection with the purchase of certain assets of R.D.C. Payroll Services, Inc. at 929 Southern Boulevard, Bronx, NY 10459

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

Any comments or objections should be submitted in writing, within ten business days, by December 22, 2011.

December 6, 2011 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Application dated August 25, 2011 for permission to change the location of branch office from 114 East Lexington Street, Baltimore, MD 21202 to 7 North Calvert Street, Baltimore, MD 21202, received.

December 8, 2011 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Application dated December 5, 2011 for permission to open and occupy a branch office at Timonium Center I, 1966 Greenspring Drive, Timonium, Baltimore County, MD 21093, received.

December 8, 2011 (TR-FWB)
THE BANK OF NEW YORK MELLON
One Wall Street, New York, NY 10005

Application dated December 7, 2011 for permission to change the location of branch office from Young-Poong Building, 33 Seolin-dong, Chongro-ku, Seoul, Korea to One IFC, 10 Gookjegeumyoong-ro, Yeouido-dong, Youngdeungpo-gu, Seoul, Korea, received.

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

December 07, 2011 (BR-MBD)
Applicant(s)
Carl G. Bulgini, III
As: Fenwick Mortgage, LLC
745 Boston Post Road, Old Saybrook, CT 06475 2126

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:

November 30, 2011 (MLS-MBD)
Applicant(s)
Scott Paul Conradson
Curtis Wayne Rethwisch
Steven Lewis Cohen
Eugene Albert Gorab
First Madison Services, LLC
Clayton Services, LLC
Clayton Holdings, LLC
Cobra Green LLC
As: Quantum Servicing Corporation
6302 E. Martin Luther King Blvd., Suite 300, Tampa, FL 33619

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 amended to read as follows:

From:
May 23, 2011 (MLS-MBD)
Applicant(s)
Kevin M. Brungardt
Walter D. Worrall
Svyatoslav S. Bashmakov
RoundPoint Financial Group, Inc
As: RoundPoint Mortgage Servicing Corp.
Eight Parkway Plaza, 5032 Parkway Plaza Blvd. Suite 200, Charlotte, NC 28217

To:
December 6, 2011 (MLS-MBD)
Applicant(s)
Walter D. Worrall
Svyatoslav S. Bashmakov
John B. Johnson
Vincent T. Marino
Jefferson R. Voss
Thomas B. Youth
RoundPoint Financial Group, Inc.
As: RoundPoint Mortgage Servicing Corp.
Eight Parkway Plaza, 5032 Parkway Plaza Blvd. Suite 200, Charlotte, NC 28217

From:
March 21, 2011 (MLS-MBD)
Applicant(s)
Hal Leslie Bartow
Stephen Wade Faulkner
Jason Otto Biegel
Patrick Michael Hickey
Terry Lee Purchal
LSF6 Service Operations, LLC
As: Vericrest Financial, Inc
715 Metropolitan Avenue, Oklahoma City, OK 73108

To:
December 07, 2011 (MLS-MBD)
Applicant(s)
Hal Leslie Bartow
Stephen Wade Faulkner
Jason Otto Biegel
Patrick Michael Hickey
Terry Lee Purchal
LSF6 Service Operations, LLC
As: Vericrest Financial, Inc
13801 Wireless Way, Oklahoma City, OK 73134

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:

December 06, 2011 (BR-MBD)
Applicant(s)
Microsoft Corporation
To acquire interest in:
Adchemy, Inc. D/B/A RateMarketplace
1001 East Hillsdale Boulevard, 7th Floor, Foster City, CA 94404

December 07, 2011 (MB-MBD)
Applicant(s)
Mark S. Rosenbloom
To acquire interest in:
United Mortgage Corp. UAN NY Finest Funding
Additional DBA(S): United Global Group
510 Broadhollow Road, Suite 202, Melville, NY 11747 3606

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
March 31, 2010	197095	Donny Janevski	Fair Lawn	NJ
June 20, 2011	66710	Randi Joy Hodella	Miller Place	NY
June 21, 2011	68518	Carl George Bulgini	New Canaan	CT
July 25, 2011	367291	Daniel Jonathan Vaturi	Cedarhurst	NY
August 16, 2011	804498	Adriana Como	Nesconset	NY
August 18, 2011	566398	Mery Ana Aristy	Yonkers	NY
September 6, 2011	383204	Michael C Casseri	Getzville	NY
September 14, 2011	815033	William Edward Cunningham	Goldens Bridge	NY
September 19, 2011	344142	Nick Armen Corey	Las Vegas	NV
September 26, 2011	799338	John P Fischer	Shoreham	NY
October 11, 2011	189548	Michael Steven Vassallo	Dix Hills	NY
November 1, 2011	103612	Igor Lipkin	Brooklyn	NY
November 8, 2011	623939	Trudy Hurd	Utica	NY
November 9, 2011	416543	Stacy Kathryn Barawed	Elk Grove	CA
November 9, 2011	13884	German Florez	Charlotte	NC
November 14, 2011	589649	Maddaline A Kostyra	Irvington	NY
November 15, 2011	589990	Thomas Sculco	Stormville	NY
November 15, 2011	65193	Steven C Gottesman	Lawrence	NY
November 17, 2011	424730	Anthony De Costa Ottaway	Waterford	MI
November 17, 2011	813630	William John Lawrence	Olmsted Township	OH
November 18, 2011	813652	Alicia Dawn Doty	Phoenix	AZ
November 18, 2011	813662	Christopher Jacob Scartz	Phoenix	AZ
November 18, 2011	422347	Richard George Silva	Desert Hills	AZ
November 21, 2011	827028	Matthew Silas Craig	Phoenix	AZ
November 21, 2011	813664	Brandon Ronnie Dale Shipman	Tempe	AZ
November 21, 2011	584249	Bryant Paul Nowicki	Bay City	MI
November 21, 2011	798526	Stephen Gerard Millet	Bronx	NY
November 22, 2011	813651	Barbara Marie Benell	Gilbert	AZ
November 23, 2011	827026	Stephen Thomas Cox	Scottsdale	AZ
December 6, 2011	774983	Mikhail D Nisimov	Forest Hills	NY

SECTION II

November 29, 2011 (CC-LFS)
CEBCO CHECK CASHER CORP.
369 Palmetto Street, Brooklyn, NY 11237

License was issued for a name change of a limited station casher of checks to Gracious Home LLC, 30-30 60th Street, Woodside, NY 11377, Bi-Weekly on Fridays from The Weck Corporation U/A/N Gracious Home, 30-30 60th Street, Woodside, NY 11377.
In connection with the above license issuance, the original limited station license was surrendered.

November 29, 2011 (CC-LFS)
CEBCO CHECK CASHER CORP.
369 Palmetto Street, Brooklyn, NY 11237

License was issued to change the location of doing business as a limited station casher of checks to Kiss Products, Inc., 57 Seaview Blvd., Port Washington, NY 11050.
In connection with the above license issuance, the original limited station license for 2 Harbor Park Drive, Port Washington, NY 11050 was surrendered.

December 2, 2011 (SB-CRB)
PIONEER SAVINGS BANK
21 Second Street, Troy, NY 12180

Approval given to change the location of branch office from 1452 Altamont Avenue, Town of Rotterdam, Schenectady County, NY 12303 to 1828 Altamont Avenue, Town of Rotterdam, Schenectady County, NY 12303, on or after December 3, 2011.

December 6, 2011 (MI-CRB)
BERKSHIRE BANK
24 North Street, Pittsfield, MA 01201

Authorization issued to open and occupy a branch office at 98 Wolf Road, Town of Colonie, Albany County, NY 12205, on or after December 7, 2011.

December 7, 2011 (BK-CRB)
AMALGAMATED BANK
275 Seventh Avenue, New York, New York 10001

The Superintendent’s “approval in principle” of the Certificate of Amendment and Restated Organization Certificate of Amalgamated Bank under Sections 8005 and 8007 of the New York Banking Law was granted.
The amendment and restatement provides for, among other things:

Increase the Bank’s capital stock from 870,000 shares of common stock, par value $10.00 per share, to 2,100,000 shares of common stock, par value $10.00 per share.

Reflect a change in the address of the Bank’s principal Office;

Eliminate the preemptive rights of all shares of capital stock;

Eliminate the current classification of directors into three classes; and

Remove the requirement for the affirmative vote of holders of seventy-five percent of all Bank outstanding shares to take certain actions.

December 8, 2011 (MI-CRB)
CROSS RIVER BANK
885 Teaneck Road, Teaneck, NJ 07666

Notification received, in accordance with Supervisory Policy G 8, of the relocation of representative office from 3839 Flatlands Avenue, Borough of Brooklyn, City of New York 11234 to 1430 Broadway (8th Floor), Borough of Manhattan, City of New York 10018, effective December 1, 2011.

December 8, 2011 (MI-CRB)
SILICON VALLEY BANK
3003 Tasman Drive, Santa Clara, CA 95054

Notification received, in accordance with Supervisory Policy G 8, of the relocation of representative office from 535 Fifth Avenue (27th Floor), Borough of Manhattan, City of New York 10017 to 505 Fifth Avenue (11th Floor), Borough of Manhattan, City of New York 10017, effective October 31, 2011.

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

December 6, 2011 (MLS-MBD)
Compu-Link Corporation d/b/a Celink
3900 Capital City Boulevard, Lansing, MI 48906

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

December 05, 2011 (BR-MBD)
Full Service Branch
American Nationwide Mortgage Company, Inc.
3353 Mendon Road, Suite 2, Cumberland, RI 02864

December 05, 2011 (BR-MBD)
Full Service Branch
MNS Mortgage LLC In Lieu of True Name Mortgage Network Solutions, LLC
56 Main Street, Suite 3D, Flemington, NJ 08822

December 05, 2011 (BR-MBD)
Full Service Branch
AVP Mortgage Solutions, LLC
155 East Main Street, Suite 170, Smithtown, NY 11787

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

December 05, 2011 (MB-MBD)
Full Service Branch
Guaranteed Rate, Inc.
333 Main Street, 2nd Floor, East Greenwich, RI 02818

December 05, 2011 (MB-MBD)
Full Service Branch
Fairway Independent Mortgage Corporation
660 Kinderkamack Road, Suite 202, Oradell, NJ 07649

December 05, 2011 (MB-MBD)
Full Service Branch
Advisors Mortgage Group, L.L.C.
127 Route 23, Suite 20, Hamburg, NJ 07419

December 05, 2011 (MB-MBD)
Full Service Branch
Homestead Funding Corp.
653 Plank Road, Suite 2, Clifton Park, NY 12065

December 05, 2011 (MB-MBD)
Full Service Branch
Advisors Mortgage Group, L.L.C.
6276 Amboy Road, Suite 2A, Staten Island, NY 10309

December 05, 2011 (MB-MBD)
Full Service Branch
Equity Now Inc.
133 Evergreen Road, Suite 218, Louisville, KY 40243

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

December 06, 2011 (BR-MBD)
ProLine Mortgage Corporation
20 Church Avenue, 2nd Floor, Ballston Spa, NY 12020 1956
Effective Date: November 28, 2011

December 07, 2011 (BR-MBD)
1 Point Mortgage, Inc.
55 Corbin Place, Brooklyn, NY 11235
Effective Date: November 29, 2011

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

December 01, 2011 (MB-MBD)
Citizens Mortgage Corporation
26-01 Pellack Drive, Fair Lawn, NJ 07410 3723
Effective Date: November 23, 2011

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

December 05, 2011 (BR-MBD)
Full Service Branch
Mortgage Match Inc.
3575 State Route 55, Kauneonga Lake, NY 12749
Effective Date: November 30, 2011

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

December 06, 2011 (BR-MBD)
Tychor Mortgage Enterprises, Inc.
333 Sylvan Avenue, Suite 101, Englewood Cliffs, NJ 07632 2705

December 06, 2011 (BR-MBD)
Benchmark Home Equities Inc.
1225 Helderberg Avenue, Schenectady, NY 12306 4812

December 07, 2011 (BR-MBD)
North Country Mortgage Inc.
144-1 Remington Boulevard, Ronkonkoma, NY 11779 6961

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

December 01, 2011 (BR-MBD)
Better Choice Funding Inc.
133 Kingston Avenue, Store Front, Brooklyn, NY 11213
Effective Date: November 18, 2011

December 01, 2011 (BR-MBD)
Paragon Capital Funding Corp.
155 West 72nd Street, Suite 308, New York, NY 10023
Effective Date: November 18, 2011

December 06, 2011 (BR-MBD)
Mortgage Match Inc.
1380 Bellmore Avenue, Bellmore, NY 11710
Effective Date: November 30, 2011

December 06, 2011 (BR-MBD)
Royal Financing & Consulting Corp.
23-09 31st Street, Suite #1, Astoria, NY 11105
Effective Date: November 22, 2011

Mortgage Banker Branch License Address Changes:

December 05, 2011 (MB-MBD)
Continental Home Loans Inc. D/B/A Senior Home Loans
From: 2900 Westchester Avenue, Suite 404, Purchase, NY 10577
To: 2900 Westchester Avenue, Suite 104, Purchase, NY 10577

Application approved pursuant to Section 594-b of the New York Banking Law and Part 410 of the Superintendent's Regulations for a control interest:

December 01, 2011 (BR-MBD)
Applicant(s)
Douglas Scott Kaplan
Justin Douglas DeCrescente
To acquire interest in:
U.M. Services In Lieu of True Name United Mortgage Services, L.L.C.
270 Sylvan Avenue, Suite L130, Englewood Cliffs, NJ 07632

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

Date Application Withdrawn	NMLS ID	Name of Applicant	City & State of Residence
September 7, 2011	348933	Mark Shaffer Skivington	Glens Falls	NY
October 13, 2011	373171	Andrew William Garno	Tampa	FL
December 2, 2011	363685	Ameer Sherard	Brooklyn	NY
December 2, 2011	424709	Steven Duncan Kowalske	Livonia	MI
December 7, 2011	493366	Kevin William Shenker	Twinsburg	OH

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

Date of Approval	NMLS ID	Name of Applicant	City & State of Residence		Sponsoring Entity
November 24, 2011	207810	Denise D'Amaro Rathje	West Islip	NY	Residential Home Funding Corp.
December 2, 2011	39342	Fernando Saenz	Franklin Lakes	NJ	Semper Home Loans, Inc.
December 2, 2011	19901	Shazeem Alli	Valley Stream	NY	US Mortgage Corporation
December 2, 2011	500248	Christopher Gil Steinberger	Haddonfield	NJ	PHH Mortgage Corporation
December 2, 2011	472249	Kerin Elizabeth Murphy	Frisco	TX	Nationstar Mortgage LLC
December 2, 2011	29840	Rywka Steinmetz	Monsey	NY	Meridian Residential Capital, LLC
December 2, 2011	585405	Aaron Vincent Charles Sarle	Berkley	MI	Quicken Loans Inc.
December 2, 2011	133421	William Joseph Prudden	Lewis Center	OH	Residential Finance Corporation
December 2, 2011	713752	Megan Nichole Frasier	Ann Arbor	MI	Quicken Loans Inc.
December 2, 2011	713788	Gay Ann Guyitt	Oxford	MI	Quicken Loans Inc.
December 2, 2011	446493	Dimitrios Nicolopoulos	East Setauket	NY	FOXX CAPITAL FUNDING, INC
December 2, 2011	482258	Douglas B Adler	Guttenberg	NJ	Luxury Mortgage Corp.
December 2, 2011	323177	James Paul Apfel II	Royal Oak	MI	Quicken Loans Inc.
December 2, 2011	19057	Larry Henry Miranda	Tiverton	RI	Embrace Home Loans, Inc.
December 2, 2011	198291	Jonathan Edward Rodd	Williston	VT	PHH Mortgage Corporation
December 2, 2011	713776	Brent Raymond Opland	Dexter	MI	Quicken Loans Inc.
December 2, 2011	411225	Kyle Robert Casey	Bristol	RI	Embrace Home Loans, Inc.
December 2, 2011	373083	Scott Stevens	New Bedford	MA	Embrace Home Loans, Inc.
December 2, 2011	380442	Christopher Keith Wright	Somerset	MA	Embrace Home Loans, Inc.
December 2, 2011	351238	Christopher Carlton Ponton	Rochester Hills	MI	Quicken Loans Inc.
December 2, 2011	98451	Ryan Michael Phillips	Ballston Lake	NY	Continental Home Loans Inc.
December 2, 2011	713744	Frank Matthew Buzolits	Royal Oak	MI	Quicken Loans Inc.
December 2, 2011	643709	Patrice E White	Elmont	NY	United Northern Mortgage Bankers Limited
December 2, 2011	392908	Amanda Marie Martin	Albany	NY	Springleaf Home Equity, Inc.
December 2, 2011	30485	Alan N Trachtman	Brooklyn	NY	Prospect Mortgage, LLC
December 2, 2011	337122	Aissa Hamim	Astoria	NY	Springleaf Home Equity, Inc.
December 2, 2011	164441	John Boyd Devall	Savannah	TX	Nationstar Mortgage LLC
December 2, 2011	395580	Vincent Syriac	Westbury	NY	Canyon Mortgage Corp
December 2, 2011	585479	Joan Elizabeth Barry	Northville	MI	One Reverse Mortgage, LLC
December 2, 2011	213831	Gregory Daniel Johns	Oceanside	NY	Mid-Island Mortgage Corp.
December 2, 2011	284035	Brian Dale Shapiro	West Bloomfield	MI	WCS Lending LLC
December 6, 2011	58403	Mendel Klagsbrun	Monsey	NY	Funding Source Corp.
December 6, 2011	265622	Michael Blair Kacor	Wilmington	DE	New Day Financial, LLC