Weekly Bulletin

December 30, 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

CALL FOR REPORTS

The Superintendent of Financial Services issues a call for reports of condition and income from banks, trust companies and private bankers as of the close of business December 31, 2011. In accordance with Part 23 of the General Regulations of the Superintendent, those banks and trust companies which file similar reports with the Federal Reserve Bank of New York or the Federal Deposit Insurance Corporation do not have to file separate reports with this Department. Banks, trust companies, and private bankers that are required to file reports with the Department of Financial Services are reminded that failure to file these reports by February 1, 2012 will result in a violation of Sections 37, 125 or 176 of the Banking Law which authorize fines for each day an institution is delinquent in filing of any required report.

SECTION l

December 21, 2011 (CC-LFS)
CHECKCHANGERS NEW YORK, LLC.
425 Huehl Road, Building 2, Northbrook, IL 60062

An application was received for a license to engage in business as a licensed casher of checks at 8317 Fifth Avenue, Brooklyn, NY 11209 in connection with the purchase of certain assets of Bayhurst Check Cashing Service, Inc.

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 10 business days, by January 16, 2012.

December 21, 2011 (CC-LFS)
CHECKCHANGERS NEW YORK, LLC.
425 Huehl Road, Building 2, Northbrook, IL 60062

An application was received for a license to engage in business as a licensed casher of checks at 8405-8407 20th Avenue, Brooklyn, NY 11214 in connection with the purchase of certain assets of Bayhurst Check Cashing Service, Inc.

Any comments or objections should be submitted in writing, within 10 business days, by January 16, 2012.

December 23, 2011 (FR-FWB)
BANCO SANTANDER TOTTA, S.A.
Rua do Ouro, 88 110-063 Lisbon, Portugal

Notice to voluntarily surrender representative office license at 234 Jericho Turnpike, Mineola, New York 11501, received.

December 23, 2011 (PF-LFS)
ASSOCIATED RISK MANAGERS FINANCE COMPANY
3503 NW 63rd Street, Suite 510 North, Oklahoma City, OK 73116

Notification received for a headquarters change of location to 2601 NW Expressway, Ste. 810W, Oklahoma City, OK 73112.

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 licensee.

December 27, 2011 (TM-LFS)
CASHWELL EXPRESS, LLC
1010 Wayne Avenue, Suite 510, Silver Spring, MD 20910

Application for the Superintendent’s prior approval of an indirect change of control of MEMO Money Order Company of New York, Inc., a licensed money transmitter, has been received.

December 27, 2011 (CC-LFS)
INNER CITY CHECK CASHING & PAYROLL SERVICES CORP.
622 A Main Street, New Rochelle, NY 10801

Application was received for a license to engage in business as a licensed casher of checks at 2800 Boston Road, Bronx, NY 10469.

Any comments or objections should be submitted in writing, within ten business days, by January 16, 2012.

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

December 28, 2011 (MB-MBD)
Applicant(s)
Jeffrey Alan Ishbia
Abdul Karium Rahal
Katherine Louise Welty
Mathew Randall Ishbia
Justin Ryan Ishbia
Harreld N. Kirkpatrick
Michael Augustus Jones
Michael Herbert Kaysen
Amer Allen Beydoun
As: Shore Financial Services, Inc.
770 South Adams Road, #300, Birmingham, MI 48009 6949

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 28, 2011 (MB-MBD)
Applicant(s)
Shellpoint Partners LLC
Lewis Ranieri
Yale E. Stark
Scott A. Shay
Saul I. Sanders
Bruce J. Williams
Jerry Schiano
William Robert Magee, Jr.
Shellpoint Mgmt/Holdings LLC
Ranieri Partners SM LLC
R-SC Financing Conduit LLC
Carl Paul Lutz
To acquire interest in:
New Penn Financial, LLC
4000 Chemical Road, Suite 200, Plymouth Meeting, PA 19462 1721

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
June 30, 2011	23541	Neal Richard Ferestien	Foxboro	MA
July 14, 2011	758578	Eric Andrew Hubbard	Cranston	RI
July 25, 2011	393206	James Edward Smith	Penn Yan	NY
July 26, 2011	483425	Michael Peter Flanigan	Cortlandt	NY
November 15, 2011	836996	Shamika Payne	Baldwin	NY
December 5, 2011	66840	Michael Anthony Soldevere	Albany	NY
December 6, 2011	122881	Evan Lee Klein	Livingston	NJ
December 8, 2011	827020	Tolsen Lee Wilmot	Scottsdale	AZ
December 14, 2011	838700	Keith Robert Nielsen	Madison Heights	MI
December 14, 2011	838678	Matthew Eric Jackson	Farmington Hills	MI
December 14, 2011	838697	Peter Joseph Miller	Bloomfield Hills	MI
December 14, 2011	827543	Ryan Patrick Manick	Grosse Ile	MI
December 14, 2011	826808	Anthony Ignazio Piccione	Royal Oak	MI
December 14, 2011	813659	Michael Patrick Mcfarland	Tempe	AZ
December 14, 2011	838685	Kenneth Donald Jung	Walled Lake	MI
December 14, 2011	838694	Cassandra Nicole Long	Northville	MI
December 15, 2011	827027	Robert Joseph Wolff	Peoria	AZ
December 15, 2011	827009	Jarod Russell Eugene Wells	Parma	OH
December 15, 2011	826974	Shahram Ali Raza Torabi	Dearborn	MI
December 15, 2011	827171	Khrystyna Tvardovsky	Parma	OH
December 15, 2011	827011	Timothy Ryan Sparks	Cleveland	OH
December 15, 2011	260550	Cody Charles Bertke	Seville	OH
December 15, 2011	826976	Kaitlyn Marie Warner	Ishpeming	MI

SECTION II

December 23, 2011 (TR-CRB)
ISRAEL DISCOUNT BANK OF NEW YORK
511 Fifth Avenue, New York, NY 10017
ISRAEL DISCOUNT BANK (INTERIM)
517 South Livingston Avenue, Livingston, NJ 07039

Application, pursuant to Banking Law Section 601-b, to merge New Jersey-chartered Israel Discount Bank (Interim) with and into Israel Discount Bank of New York, under the name Israel Discount Bank of New York, approved.

December 27, 2011 (TM-LFS)
ASCENDANTFX CAPITAL USA, INC. U/A/N ASCENDANTFX
2500 Plaza 5, Harborside Financial Center, Jersey City, NJ 07311

Application for a license to engage in business as a transmitter of money was approved.

December 27, 2011 (TR-FWB)
THE BANK OF NEW YORK MELLON
One Wall Street, New York, NY 10005

Approval given 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, on or after December 28, 2011.

December 27, 2011 (PB-FWB)
BROWN BROTHERS HARRIMAN & CO.
140 Broadway, New York, NY 10005

Verified Certificate to Continue Business as Private Bankers, filed for examination.

(These Private Bankers are already under the supervision of the Department. New Certificate submitted by reason of the proposed admission to the firm of Christopher C. Remondi and William E. Rosensweig as General Partners/Class 1 Limited Partners, and the proposed conversion of Anthony T. Enders and John A. Gehret from General Partners/Class 1 Limited Partners to Class 2 Limited Partners.)

December 28, 2011 (MI-CRB)
CRESCENT BANK & TRUST
1100 Poydras Street, New Orleans, LA 70163

Notification received, in accordance with Supervisory Policy G 8, of the proposed relocation of representative office from 70 Linden Oaks, Rochester, Monroe County, NY 14625 to 805 Ridge Road (Suite 204), Town of Webster, Monroe County, NY 14580.

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

December 27, 2011 (BR-MBD)
Aaria Mortgage Corp.
79 Halley Drive, Pomona, NY 10970 2109
Effective Date: December 13, 2011

December 27, 2011 (BR-MBD)
Century Twenty Mortgage, Inc.
258 South Broadway, Hicksville, NY 11801 2533
Effective Date: August 15, 2011

December 27, 2011 (BR-MBD)
Bergen Capital Finance LLC
172 Broadway, Suite 204, Woodcliff Lake, NJ 07677 8077
Effective Date: December 14, 2011

December 27, 2011 (BR-MBD)
Miralex Mortgage, Inc.
One Cross Island Plaza, Suite 207, Rosedale, NY 11422 1400
Effective Date: December 14, 2011

Mortgage Broker Certificate Address Changes:

December 27, 2011 (BR-MBD)
1st Albany Mortgage, LLC D/B/A First Albany Mortgage
From: 125 Wolf Road, Suite 509, Albany, NY 12205
To: 100 Phillips Road, Valley Falls, NY 12185 2620

Mortgage Banker Branch License Address Changes:

December 27, 2011 (MB-MBD)
Fairway Independent Mortgage Corporation
From: 151 Pearl Street, 4th floor, Boston, MA 02110
To: 200 High Street, 5th Floor, Boston, MA 02110

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 residential property:

Date Application Withdrawn	NMLS ID	Name of Applicant	City & State of Residence
December 27, 2011	339893	Justin Thomas Holmes	Glenside	PA
December 28, 2011	64666	Michael P Sieja	Cortlandt Manor	NY
December 29, 2011	189465	Fitzroy C Cummings	Brooklyn	NY

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
December 21, 2011	586003	Claudio F. Carvalho Jr.	Frisco	TX	Nationstar Mortgage LLC
December 21, 2011	589649	Maddaline A Kostyra	Irvington	NY	Prospect Mortgage, LLC
December 21, 2011	189548	Michael Steven Vassallo	Dix Hills	NY	Continental Mortgage Bankers, Inc
December 21, 2011	383204	Michael C Casseri	Getzville	NY	State Farm Bank, F.S.B.
December 21, 2011	198818	Adam Lesner	Commerce	MI	Quicken Loans Inc.
December 21, 2011	371747	Corazon Agcaoili	Whippany	NJ	American Financial Resources, Inc.
December 21, 2011	690961	Cheryl Ann Martin	Staten Island	NY	PROSPECT MORTGAGE GROUP, INC.
December 21, 2011	713794	Maribeth Annjanette Curcio	Laveen	AZ	Quicken Loans Inc.
December 21, 2011	189132	Stacey Eleanor Ward	Plymouth	MI	Quicken Loans Inc.
December 21, 2011	269128	David Robert Rangel	Mission Viejo	CA	Home Loan Center, Inc.
December 21, 2011	63604	Benjamin Zev Katz	Bayside	NY	Reliant Home Funding, Inc.
December 28, 2011	19613	Andre L. Mitchell	Huntington Station	NY	Lynx Mortgage Bank LLC