Weekly Bulletin

January 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

December 29, 2011 (SB-CRB)
NORTHEAST COMMUNITY BANK
325 Hamilton Avenue, White Plains, NY 10601

Application, pursuant to Section 412 of the Banking Law, for the approval of the Superintendent of Financial Services for the conversion of NorthEast Community Bank from a Federal to a New York State charter, received.

January 4, 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, received.

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

January 04, 2012 (MB-MBD)
Full Service Branch
Nationwide Equities Corporation
6565 Kinne Road, Office 5, Syracuse, NY 13215

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
May 9, 2008	8323	Teresa Louise Schembri	East Norwich	NY
February 7, 2011	325241	Nicholas Anthony Testani	Williston Park	NY
July 14, 2011	131677	Kurt Nikolai	Canton	GA
August 17, 2011	333770	Patricia Maarie Lay	Orange	CA
September 19, 2011	40122	Peter Garrahan Browning	East Northport	NY

SECTION II

December 19, 2011 (CC-LFS)
SUNRISE CHECK CASHING SERVICES, LLC
580 Sunrise Highway, Baldwin, NY 11510-3068
Licenses to engage in business as casher of checks were surrendered for the following limited station locations:

Acme Bus Corp., 65 Court Street, Copiague, NY 11726
Baumann & Sons Buses, Inc., 65 Court Street, Copiague, NY 11726
Brookset Bus Stop, 65 Court Street, Copiague, NY 11726

December 31, 2011 (SB-CRB)
THE ELMIRA SAVINGS BANK, FSB
333 East Water Street, Elmira, NY 14901

The "Plan of Conversion", dated as of September 27, 2011, together with the "Organization Certificate of Elmira Savings Bank", were filed in the Office of the Superintendent of Financial Services, and an Authorization Certificate was issued in connection with the conversion of The Elmira Savings Bank, FSB from federal to state charter, pursuant to Section 412 of the Banking Law, under the name Elmira Savings Bank. The conversion became effective as of the close of business December 31, 2011.

In addition to the principal office noted above, the bank will maintain the following branch offices:

930 West Church Street, West Elmira, Town of Elmira, Chemung County, NY 14905
1136 Pennsylvania Avenue, Southport, Town of Southport, Chemung County, NY 14904
3300 Chambers Road, Town of Big Flats, Chemung County, NY 14845
2149 Grand Central Avenue, Horseheads, Chemung County, NY 14845
301 East State Street, Ithaca, Tompkins County, NY 14850
2300 North Triphammer Road, Lansing, Tompkins County, NY 14850
702 South Meadow Street, Ithaca, Tompkins County, NY 14850
401 West Main Street, Montour Falls, Schuyler County, NY 14865
19 East Market Street, Corning, Steuben County, NY 14830
142 Main Street, Moravia, Cayuga County, NY 13118
77 South West Street, Homer, Cortland County, NY 13077

January 4, 2012 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Authorization issued to open and occupy a branch office at Timonium Center I, 1966 Greenspring Drive, Timonium, Baltimore County, MD 21093, on or after January 5, 2012.

January 4, 2012 (PB-FWB)
BROWN BROTHERS HARRIMAN & CO.
140 Broadway, New York, NY 10005

Verified Certificate to Continue Business approved and filed.

January 4, 2012 (MI-CRB)
BERKSHIRE BANK
24 North Street, Pittsfield, MA 01201

Application, pursuant to Section 337 of the Banking Law, to sell to NBT Bank N.A., Norwich, New York, the safe deposit business conducted at 49 State Route 296, Town of Windham, Greene County, NY 12496, approved.

(NBT Bank N.A. is to acquire the applicant's branch office at the above location, and the business of three other New York branches of the applicant.)

January 4, 2012, 2010 (FR-FWB)
THE OGAKI KYORITSU BANK, LTD
98 Kuruwamachi, Ogaki, Gifu, Japan

Representative office located at 630 Fifth Avenue, New York, NY 10111 was closed and its license voluntarily surrendered as of December 30, 2011.

January 4, 2012 (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 electronic facilities (automated teller machines) at the following four locations:

Sheetz Inc. Convenience Store, 13433 NC Highway 210, Town of Benson, Johnston County, NC 27504;
Sheetz Inc. Convenience Store, 600 Corporate Center Drive, Raleigh, Wake County, NC 27607;
Sheetz Inc. Convenience Store, 505 Wendell Boulevard, Town of Wendell, Wake County, NC 27591; and
Sheetz Inc. Convenience Store, 1408 North Eisenhower Drive, Beckley, Raleigh County, WV 25801.

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

January 03, 2012 (MB-MBD)
Live Well Financial, Inc.
1 Capitol Square, 830 East Main Street, Suite 1000
Richmond, VA 23219

January 04, 2012 (MB-MBD)
FOM Lending, LLC In Lieu of True Name First Option Mortgage, LLC
400 Galleria Parkway, Suite 1600, Atlanta, GA 30339 5934

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

January 03, 2012 (MLS-MBD)
Vericrest Financial, Inc.
13801 Wireless Way, Oklahoma City, OK 73131

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

January 03, 2012 (MLS-MBD)
Vericrest Financial, Inc.
16745 West Bernardo Drive, San Diego, CA 92127

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

January 04, 2012 (BR-MBD)
Pacific Western Financial Corp.
7 Smith Street, Suite 1, Merrick, NY 11566
Effective Date: December 15, 2011

January 04, 2012 (BR-MBD)
Constant Capital, Inc.
38-08 Bell Blvd., Bayside, NY 11361 2080
Effective Date: December 14, 2011

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

January 03, 2012 (BR-MBD)
Gunsankar Naraine DBA Mecca Mortgage Financial Services
1185A Yonkers Avenue, Yonkers, NY 10704
Effective Date: December 12, 2011

Mortgage Broker Certificate Address Changes:

January 04, 2012 (BR-MBD)
Red Wagon Mortgage, L.L.C. D/B/A Senior Finance
From: 149 Madison Avenue, Suite 602, New York, NY 10016
To: 149 Madison Avenue, Suite 803, New York, NY 10016 6731

January 04, 2012 (BR-MBD)
First North Capital Corp.
From: 324 Farmingdale Road, Suite 100, West Babylon, NY 11704
To: 135 Deer Park Avenue, Suite 5, Babylon, NY 11702 2818

January 04, 2012 (BR-MBD)
Livingston Mortgage, Inc.
From: 460 Bergen Boulevard, Suite 306, Palisades Park, NJ 07650
To: 460 Bergen Boulevard, Suite 301, Palisades Park, NJ 07650 2345

The following mortgage broker is no longer a New York State approved FHA Mortgage Loan Correspondent and may no longer originate loans as such:

January 04, 2012 (BR-MBD)
Sandstone Mortgage Corporation
1934 Lowell Lane, Merrick, NY 11566

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
April 12, 2011	36381	Christopher Scott Pacella	Newport	RI
December 29, 2011	382465	Michele Dorothy McIlwain	Yardley	PA
January 3, 2012	292799	Sarah Jayne Arnesen	Berkley	MI
January 3, 2012	45912	David Matthew Olander	Ledgewood	NJ
January 3, 2012	493356	Dara Kathryn Greene	Lakewood	OH
January 3, 2012	89135	Shirene Hodgson	Hampton	NH
January 3, 2012	17912	David Sadek	Fort Lee	NJ
January 3, 2012	385656	Ashley Tara Marini	Phoenix	AZ
January 3, 2012	144227	Robert Jay Siegel	Hauppauge	NY
January 3, 2012	376902	Paul Vincent Orena	Atlantic Beach	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 29, 2011	326360	Kevin Anthony Ulrich	Lower Gwynedd	PA	Gateway Funding Diversified Mortgage Services, L. P.
December 29, 2011	166424	Nazimul Razack	Jamaica	NY	MGN FUNDING CORP
December 29, 2011	797172	Jane A. Borbee	Scotia	NY	Homestead Funding Corp.
December 29, 2011	713731	Joshua Gordon Schusterman	Cleveland	OH	Quicken Loans Inc.
December 29, 2011	774858	Kimberly Ann Wisen	Madison	OH	Quicken Loans Inc.
December 29, 2011	774874	Andre Donielle Hall	Clinton Twp	MI	Quicken Loans Inc.
December 29, 2011	822375	Joseph Paul Shaia	Brooklyn	NY	Jabour Realty Company Inc
December 29, 2011	627919	Shannon Elizabeth Green	Liverpool	NY	Springleaf Home Equity, Inc.
December 29, 2011	263281	Jason James Hutcheon	Mission Viejo	CA	Network Capital Funding Corporation
December 29, 2011	314700	Dimitriy Vernik	Owings Mills	MD	New Day Financial, LLC
December 29, 2011	420417	Kevin Seinfeld	Port Washington	NY	Mortgage Master, Inc.
December 29, 2011	813552	Lydia Nassar Beydoun	Dearborn Heights	MI	Quicken Loans Inc.
December 29, 2011	779294	Dana Lee Vasko	Scottsdale	AZ	Quicken Loans Inc.
December 30, 2011	420359	Peter David Rosewicz	Akron	OH	Quicken Loans Inc.
December 30, 2011	804911	Matthew Robert Koch	Lackawanna	NY	Springleaf Home Equity, Inc.
December 30, 2011	813581	Lisa Leze Lulgjuraj	Washington Township	MI	Quicken Loans Inc.
December 30, 2011	774972	Keith Warren Becker	Canton	MI	Quicken Loans Inc.