Weekly Bulletin

April 6, 2012

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

April 2, 2012 (FR-FWB)
DOHA BANK
Corniche Street, West Bay, Doha, Qatar

Application for a license to establish and maintain a representative office at 100 Wall Street, Borough of Manhattan, City of New York, received.

April 2, 2012 (CC-LFS)
257 SHERIDAN BLVD. CORP., D/B/A INWOOD SERVICES, U/A/N BALDWIN EXPRESS
1747 Grand Avenue, Baldwin, NY 11510

An application was received for a limited station casher of checks at Oceanview Nursing & Rehabilitation Center, 315 Beach 9th Street, Far Rockaway, NY 11691.

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 April 20, 2012.

April 3, 2012 (BK-CRB)
ALMA BANK
28-31 31st Street, Astoria, NY 11102

Application dated March 29, 2012 for permission to open and occupy a branch office at 4401 13th Avenue, Borough of Brooklyn, City of New York 11219, received.

April 4, 2012 (TR-CRB)
ISRAEL DISCOUNT BANK OF NEW YORK
511 Fifth Avenue, New York, NY 10017

Application dated April 3, 2012 for permission to change the location of branch office from 517 South Livingston Avenue, Livingston, Essex County, NJ 07039 to 150 John F. Kennedy Parkway, Short Hills, Essex County, NJ 07078, received.

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 25, 2009	20280	Adel Azmi Michael	Green Brook	NJ
July 22, 2011	424778	Cindy Gayle Schlussel	White Lake	MI
September 26, 2011	274337	Brooke Ann Marion	Plano	TX
November 14, 2011	332839	Elaine Marie Minton	Plainfield	IN
December 1, 2011	424733	Heather Rose Samet	Novi	MI
December 12, 2011	851361	Maria Amalia Arrua	Astoria	NY
December 21, 2011	380404	Robert William Cotton	Charlotte	NC
January 5, 2012	392845	Algernon Mark Bartell	West Bloomfield	MI
January 18, 2012	397606	Karen Lynn Kuula	Northville	MI
January 24, 2012	386116	Nancy Lu	Brooklyn	NY
February 8, 2012	3774	Angelo Feroce	Woodstock	CT
February 16, 2012	58817	Joseph Frank May	New City	NY
February 27, 2012	32270	Justin Christopher Frazier	Turnersville	NJ
March 7, 2012	50324	Ludwig Daniel Jean-Louis	Hempstead	NY
March 12, 2012	885151	Jamie Aron-Bayof	Queens Village	NY
March 14, 2012	845675	Madeline Lucille Caminiti	Middle Village	NY
March 17, 2012	320732	Olga E Sanchez	Monmouth Jct	NJ
March 30, 2012	177057	Tim Higgins	Maple Lawn	MD

SECTION II

January 12, 2012 (SF-LFS)
MH FINANCIAL SERVICES, LLC
150 North Wacker Drive, Suite 2800, Chicago, Cook County, IL 60606-1610

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

March 28, 2012 (FR-FWB)
BANCO DE SABADELL, S.A.
Placa de Sant Roc, 20, 08201 Sabadell, Barcelona, Spain

Application for a license to establish and maintain a representative office at 1 Rockefeller Plaza, Borough of Manhattan, City of New York 10022, approved.

March 28, 2012 (PF-LFS)
CANANWILL, INC.
1000 North Milwaukee Avenue, Glenview, IL 60025

License to engage in business as a premium finance agency was surrendered.

March 30, 2012 (CC-LFS)
YORK STREET CHECK CASHERS, INC.
161 York Street, Brooklyn, NY 11201
License to engage in business as casher of checks at 161 York Street, Brooklyn, NY 11201 was surrendered.

April 2, 2012 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

As provided in Section 28-c of the Banking Law, the Superintendent of Financial Services has found that the proposed closing of branch office at 2-8 East Third Street, Jamestown, Chautauqua County, NY 14701 will not result in a significant reduction of banking services in the community to be affected. (The applicant will continue to conduct certain non-retail activities at this location.)

April 2, 2012 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

As provided in Section 28-c of the Banking Law, the Superintendent of Financial Services has found that the proposed closing of branch offices at the following two locations will not result in significant reductions of banking services in the communities to be affected:

150 Central Avenue, Ilion, Herkimer County, NY 13357; and
ShopRite Supermarket, 384 Windsor Highway, Town of New Windsor, Orange County, NY 12553.

April 2, 2012 (CC-LFS)
NY COMMUNITY FINANCIAL, LLC D/B/A THE CHECK CASHING PLACE
560 Sylvan Avenue, Englewood Cliffs, NJ 07632

Licenses were issued to engage in business as a licensed casher of checks as a result of the purchase of certain assets of P R Check Cashing, Inc. at the following locations:

2495 Third Avenue, Bronx, NY 10451
1901 Lexington Avenue, New York, NY 10035
747 East 132nd Street, Bronx, NY 10454.

In connection with the above license issuances, the original check casher licenses for the above locations were surrendered.

April 2, 2012 (FR-FWB)
THE CHUO MITSUI TRUST & BANKING CO., LTD
33-1, Shiba 3 chome, Minato-ku, Tokyo, Japan

Representative office located at 655 Third Avenue, New York, New York, 10017 voluntarily surrendered license on March 30, 2012.

April 2, 2012 (FB-FWB)
THE SUMITOMO TRUST AND BANKING COMPANY, LIMITED
Chiyoda-ku,Tokyo, Japan

Application, pursuant to Section 203.2 of the Banking Law, to change the name of its foreign branch, located at 527 Madison Avenue, New York, New York, 10022 from The Sumitomo Trust and Banking Company, Limited to Sumitomo Mitsui Trust Bank Limited, approved.

April 3, 2012 (MI-CRB)
FIRST HAWAIIAN BANK
999 Bishop Street, Honolulu, HI 96813

Notification received, in accordance with Supervisory Policy G 8, of the establishment of a representative office at 787 Seventh Avenue, Borough of Manhattan, City of New York 10019.

April 4, 2012 (CC-LFS)
P R CHECK CASHING, INC.
335 East 143rd Street, Bronx, NY10454

License to engage in business as casher of checks at 335 East 143rd Street, Bronx, NY10454 was surrendered.

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

From:
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

To:
April 4, 2012 (MB-MBD)

Applicant(s)
Jeffrey Alan Ishbia
Abdul Karium Rahal
Katherine Louise Welty
Harreld N. Kirkpatrick III
Michael Augustus Jones
Michael Herbert Kaysen
Amer Allen Beydoun
Kirkpatrick Capital Partners Fund I, L.P.
SFS Holding Corp.

As: United Shore Financial Services, LLC
770 S. Adams Road, #300, Birmingham, MI 48009

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

April 03, 2012 (BR-MBD)
Clayton Financial Group Inc.
662 Myrtle Avenue, Unit 4, Brooklyn, NY 11205 3932

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

March 29, 2012 (BR-MBD)
Heino Funding Company
2401 Avenue U, Brooklyn, NY 11229
Effective Date: March 28, 2012

Mortgage Banker License Name Changes:

March 29, 2012 (MB-MBD)
From: Flaherty Funding Corporation
To: FFC Mortgage Corp.

Mortgage Broker Certificate Address Changes:

April 03, 2012 (BR-MBD)
Independent Funding Service Inc.
From: 3854 North Buffalo, Orchard Park, NY 14127
To: 3085 Southwestern Boulevard, Suite 106, Orchard Park, NY 14127 1234

April 03, 2012 (BR-MBD)
Oxford Financial Services, Inc.
From: 184 Rivervale Road, Suite 1, Rivervale, NJ 07675
To: 245 Old Hook Road, Suite 2B, Westwood, NJ 07675 3174

The following Registered Mortgage Broker has entered into a Settlement Agreement with the Department in lieu of a hearing for a fine or revocation of its mortgage broker registration, to settle violations of Section 38.2(e) of the General Regulation of the Banking Board ("GRBB") with respect to various advertising violations. The Settlement Agreement terms and conditions include a fine of $7,500.

March 29, 2012 (BR-MBD)
R.B.I. Associates, Ltd.
1888 Bellmore Avenue, Bellmore, NY 11710 1632

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 Withdrawn	Subject id	Name	City	State
May 9, 2011	198451	Michael Dooley	Haddonfield	NJ
May 18, 2011	7500	Nexar Ricardo Cedeno	East Meadow	NY
May 18, 2011	7321	Anthony James Cutrone	Yorktown Heights	NY
May 20, 2011	42206	Leontay L. Bennett	Louisville	KY
May 20, 2011	23281	Judith Anne Chamberlain	Schuylerville	NY
May 20, 2011	31249	Russell Ivan Siler	Roseville	MI
December 2, 2011	187549	Kevin Ebbecke	Ronkonkoma	NY
December 2, 2011	70143	James John Beamer	Amherst	NY
December 2, 2011	68857	David Barrett	East Northport	NY
December 2, 2011	186350	Khosrow D Ghazi	Mastic	NY
April 2, 2012	266861	Joseph Varela Hernandez Jr.	Scottsdale	AZ
April 2, 2012	713792	Paul Dalton Salisbury	Chandler	AZ
April 2, 2012	837749	Benjamin Aaron Mueller	Auburn Hills	MI
April 2, 2012	386076	Brian William Osborn	Orange	CA
April 3, 2012	46583	Donald Rowland	Cohoes	NY
April 4, 2012	375728	Gaetano Dibella	Troy	MI
April 4, 2012	134617	James Austin Watson	Norristown	PA
April 4, 2012	813558	Kevin Frederick Coates	Roseville	MI
April 4, 2012	399023	Jon Delaney Singletary	Jacksonville	FL
April 5, 2012	375882	Kenneth Michael Moore	Cleveland	OH
April 5, 2012	385457	Meghan Elizabeth Rooney	Cleveland	OH
April 5, 2012	196831	Donald Paul Adams Sr	Selden	NY
April 5, 2012	314749	Benjamin Wade Law	Carrollton	TX

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

Approved Date	NMLS	Name	City	State	Sponsor
March 3, 2012	176333	Jason Matthew Farris	Huntington Beach	CA	Carrington Mortgage Services, LLC
March 3, 2012	68310	Elizabeth Angela Bornstein	Allen	TX	Nationstar Mortgage LLC
March 28, 2012	441840	Cheryl A. Hess	Scotia	NY	Homestead Funding Corp.
March 29, 2012	375832	Molly Kamensky	Jacksonville	FL	PHH Mortgage Corporation
March 29, 2012	613078	Matthew Brian Bowler	Jacksonville Beach	FL	PHH Mortgage Corporation
March 29, 2012	90513	Kenneth Simon Goffstein	Teaneck	NJ	Fairway Independent Mortgage Corporation
March 29, 2012	148759	Vince D Cooper	Tampa	FL	Residential Finance Corporation
March 29, 2012	21391	Arthur Jeffrey Pebenito	Jacksonville	FL	PHH Mortgage Corporation
March 29, 2012	63034	Matthew Mark Horner	Nyack	NY	Equity Now Inc.
March 29, 2012	353204	Thomas Henry Zehner	Middle Island	NY	WMN Services Incorporated
March 29, 2012	839437	Virginia Grace Donovan	Point Lookout	NY	Industrial Credit of Canada, LTD
March 29, 2012	825720	Paul Tyrus Banks Sr	Melvindale	MI	Quicken Loans Inc.
March 30, 2012	847779	Jessica Viola Rosics	Lewisville	TX	Nationstar Mortgage LLC
March 30, 2012	827023	Zachary Vincent Causer	Phoenix	AZ	Quicken Loans Inc.
March 30, 2012	306688	Harold W Gannon Jr	Collegeville	PA	Home Finance of America, Inc.
March 30, 2012	217954	Gardner Chace Lane	Westport	MA	Guaranteed Rate, Inc.
March 30, 2012	273834	Riki Chikara Oshima	Torrance	CA	Carrington Mortgage Services, LLC
March 30, 2012	180247	Michael Edward Lorence	Mantua	NJ	PHH Mortgage Corporation
March 30, 2012	363833	Albert Lee Lovato Jr	Phoenix	AZ	Quicken Loans Inc.
March 30, 2012	713799	Michael Gordon Mcdonald	Phoenix	AZ	Quicken Loans Inc.
March 30, 2012	339926	Wei Shi	Trenton	NJ	Portico Mortgage Inc.
March 30, 2012	493363	Christina Marie Shihadeh	Olmsted Falls	OH	Quicken Loans Inc.
March 30, 2012	838715	Bartlomiej Strecker	Sterling Heights	MI	Quicken Loans Inc.
March 30, 2012	836599	Daniel Andrew Scudieri	Mahopac	NY	Warshaw Capital, LLC
March 30, 2012	397599	Basem Muhamad Elayan	Dearborn Heights	MI	Quicken Loans Inc.
March 30, 2012	315878	Allan Anthony Buniak Jr	Conshohocken	PA	New Penn Financial, LLC
March 30, 2012	292821	Matthew Joseph Bednorek	Novi	MI	Quicken Loans Inc.
March 30, 2012	131679	Trevor Dalling	Mount Vernon	NY	Dalco Financial Services, Inc.
March 30, 2012	117123	Randall A Drzewicki	Las Vegas	NV	All Western Mortgage, Inc.
March 30, 2012	827007	Eric Alan Sailor	Twinsburg	OH	Quicken Loans Inc.
March 30, 2012	191400	Richard James Doran	Ringwood	NJ	Real Estate Mortgage Network, Inc.
March 30, 2012	613162	Roxanne Denise House	St Augustine	FL	PHH Mortgage Corporation
March 30, 2012	827016	Jonathan Emmanuel Mcintosh	Gilbert	AZ	Quicken Loans Inc.
March 30, 2012	826601	Adam John Offerman	Canton	MI	Quicken Loans Inc.
March 30, 2012	348279	Jose Alvaro Antonio Monteza	Jacksonville	FL	PHH Mortgage Corporation
March 30, 2012	297919	Patrick O'Shaughnessy Flanner	Harrisonville	MO	New Day Financial, LLC
March 30, 2012	159766	Kevin J Caruana	Laguna Niguel	CA	Carrington Mortgage Services, LLC
March 30, 2012	867558	Brocha Florans	Passaic	NJ	Meridian Residential Capital, LLC
March 30, 2012	863373	Michael Joseph Blass	Maplecrest	NY	Northeast Funding Services, Inc.
March 30, 2012	129861	Ronald Joseph Miles	Westminster	MD	Meridian Home Mortgage Corporation
March 30, 2012	775156	Filemon Alexander Barba Iii	Royal Oak	MI	Quicken Loans Inc.
March 30, 2012	791982	Terrence Butler	Waldorf	MD	New Day Financial, LLC
March 30, 2012	375897	Kimberly Jean Shymske	Brunswick	OH	Quicken Loans Inc.
March 30, 2012	43951	Kevin Louis Blaney	Long Beach	NY	Contour Mortgage Corporation
March 30, 2012	181877	Ji Hae Kim	North Wales	PA	GMAC Mortgage, LLC
March 30, 2012	254246	Danny Ricardo Hublall	Hollis	NY	Mortgage World Bankers, Inc
March 30, 2012	383875	Hongyu Guo	Fresh Meadows	NY	State Farm Bank, F.S.B.
March 30, 2012	821094	Eric Adam Arnold	Dallas	TX	Nationstar Mortgage LLC
March 30, 2012	53926	Maria Concetta Nadoraski	Latham	NY	Homestead Funding Corp.
March 30, 2012	50902	Merri Carol Cook	Rhinebeck	NY	Homestead Funding Corp.
March 30, 2012	91537	Joseph Manuel Rodriguez	Springfield	NJ	Mortgage Capital Associates, Inc.
March 30, 2012	326576	Monica Lai	Flushing	NY	Hyton Financial and Investment Group Ltd
March 30, 2012	677491	Erik Schroeher	Coram	NY	Mid-Island Mortgage Corp.
April 2, 2012	414708	Susan Quigley	Garden City	NY	The Mortgage Advantage Corp.
April 3, 2012	30074	Robert Ritchie Dobson Iv	Cave Creek	AZ	Quicken Loans Inc.
April 3, 2012	27484	Joseph Vincent Kustra	Novi	MI	Quicken Loans Inc.