SECTION I

This section records the receipt of applications and notices to the Banking Department.   Applications and notices received by the Large Complex Banks, Foreign and Wholesale Banks, Community and Regional Banks and Licensed Financial Services Divisions are listed in order of date of receipt; applications and notices received by the Mortgage Banking Division 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 BANKING DEPARTMENT.  Any comment on, or objection to, any item contained in this Weekly Bulletin should be presented to the Banking 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 The Secretary of the New York State Banking Board, One State Street, New York, New York 10004-1417 before the stated deadline or (b) transmitted by e-mail to BBSecretary@banking.state.ny.us. To view only those current and pending Section I applications and notices which are CRA-related, please click here.

SECTION II

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

SECTION III

This section provides notification of the filing by federally-chartered institutions of applications for new branches to be located in New York received from Mr. Fred D. Finke, Deputy Comptroller, Northeastern District, 1114 Avenue of the Americas, Suite 3900, New York, NY  10036 and Ms. Karen M. Cervera, Corporate Activities, Office of Thrift Supervision, 10 Exchange Place, 18th Floor, Jersey City, NJ 07302.  Any comment or objection in relation to any application in Section III should be communicated immediately to the supervisor of the institution involved, with a copy furnished to this office.  This section is provided as a courtesy to New York State-regulated banking institutions; additional information relating to federally-chartered institutions is available in the Office of the Comptroller of the Currency’s Weekly Bulletin or its Website:  http://www.occ.treas.gov and via the Office of Thrift Supervision’s Website at:  http://www.ots.treas.gov.

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 Banking Department Division which has supervisory responsibility for the institution.  The following is a list of the codes and their meanings:

Division Codes

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

January 3, 2006
CALL FOR REPORTS

The Superintendent of Banks issued a call for reports of condition and income from banks, trust companies and private bankers as at the close of business December 31, 2005. In accordance with Part 23 of the General Regulations of the Banking Board, 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 such reports with this Department. Banks, trust companies, and private bankers that are required to file reports with the Banking Department are reminded that failure to file these reports by January 31, 2006 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.

December 22, 2005 (CU – CRB)
AMERICU CREDIT UNION
1916 Black River Boulevard, Rome, NY 13440

Application, pursuant to Section 451.2(a)(5) of the Banking Law, to apply to the New York State Banking Department for the purpose of amending its charter to convert from a mixed employer charter to a community charter serving the Central New York (“CNY”) community consisting of the counties of Cayuga, Madison, Onondaga and Oswego, received.

The requested field of membership is as follows: Persons who live in, worship in, attend school in, or work in the CNY community, their families including spouse and their lineal ancestors and descendants, including persons so related by adoption, siblings, step parents, step children, step siblings and household members, as well as organizations located therein. Household members are defined as persons living in the same residence and maintaining a single economic unit.

December 22, 2005 (CU – CRB)
AMERICU CREDIT UNION
1916 Black River Boulevard, Rome, NY 13440

Application, pursuant to Section 451.2(c) of the Banking Law for AmeriCU to request our approval to add the underserved areas of Oneida County to its field of membership consisting of the Cities of Rome and Utica, the towns of Annsville, Augusta, Ava, Boonville, Bridgewater, Florence, Forestport, Remsen, the villages of Camden, Clayville, New York Mills, Oriskany Falls, Sylvan Beach, Vernon, Yorkville, Whitesboro, and the Census Tracts numbered 243.02 in the Town of Lee and 250.03 in the Town of Kirkland, received.

January 6, 2006 (FB-FWB)
BANCO SANTANDER CENTRAL HISPANO, S.A.
Avenida de Cantabria s/n, Boadilla del Monte, Madrid, Spain 28660

January 6, 2006 (MS-CRB)
SOVEREIGN BANCORP, INC.
1130 Berkshire Blvd., Wyomissing, PA 19610

Applications, pursuant to Section 143-b of the Banking Law, to acquire indirect control of Independence Community Bank by (1) Sovereign Bancorp, Inc. acquiring all of the outstanding shares of Independence Community Bank Corp. through the merger of Iceland Acquisition Corp., a wholly-owned subsidiary of Sovereign Bancorp, Inc., with and into Independence Community Bank Corp., and (2) Banco Santander Central Hispano, S.A. acquiring 10% or more of the outstanding shares of Sovereign Bancorp, Inc., received. (Independence Community Bank Corp. owns all of the outstanding shares of Independence Community Bank, Brooklyn, New York.)

The comment period expires on February 6, 2006

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 29, 2005 (BR-MBD)
Applicant(s)
Barbara Valerie Press
As: Barbara V. Press D/B/A Impressive Mortgage Solutions
25 Mitchell Lane, Westtown, NY 10998

January 04, 2006 (BR-MBD)
Applicant(s)
Frank Joseph Cassisi
As: Ameri-Rate Inc.
114 Old Country Road, Mineola, NY 11501

January 04, 2006 (BR-MBD)
Applicant(s)
Shawn Chemtov
Moses Schwartz
As: C & S Mortgage Group Corp.
1691 Michigan Avenue, #440, Miami Beach, FL 33139 2559

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

January 03, 2006 (BR-MBD)
From: Applicant(s)
Jovens Patrick Moncoeur
As: J.P.M. Home Funding Inc.
191 Patchen Avenue, Brooklyn, NY 11233
To: J.P.M. Home Funding Inc.
994 East 42nd Street, Brooklyn, NY 11210

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

January 04, 2006 (BR-MBD)
Full Service Branch
Discount Funding Associates, Inc.
244 Old Country Road, Hicksville, NY 11801

Application to establish a Mortgage Banker's Branch received for examination amended to read as follows:

FROM:
June 28, 2005 (MB-MBD)
Full Service Branch
Fieldstone Mortgage Company, Inc.
9 Audubon Road, Wakefield, MA 01880
TO:
January 4, 2006 (MB-MBD)
Full Service Branch
Fieldstone Mortgage Company, Inc.
600 Cummings Center, Suite 270-x, Beverly, MA 01915

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 30, 2005 (MB-MBD)
Applicant(s)
Justin H. Wellen
To acquire interest in:
Professional Mortgage Bankers Corp.
400 Post Avenue, Westbury, NY 11590

January 3, 2006 (BR-MBD)
Applicant(s)
Jimmy Rojas
To acquire interest in:
Star 21 Funding, Inc.
3275 Veterans Memorial Hwy., Suite B12, Ronkonkoma, NY 11779

SECTION II

December 23, 2005 (CC-LFS)
CONTINENTAL CHECK CASHERS #1, INC.
10 East Sunrise Highway, Freeport, NY 11520

Request for a change of name to PLS Check Cashers of New York #1, Inc. was approved.

In connection with the above, the original check casher licenses for 10 East Sunrise Highway, Freeport, NY 11520 and 2040 Amsterdam Avenue, New York, NY 10032 were surrendered and new licenses issued for each of these locations.

December 23, 2005 (CC-LFS)
CONTINENTAL CHECK CASHERS #3, INC.
729 4th Avenue, Brooklyn, NY 11232

Request for a change of name to PLS Check Cashers of New York #3, Inc. was approved.

In connection with the above, the original check casher licenses for 729 4 th Avenue, Brooklyn, NY 112323, 76-22 Roosevelt Avenue, Jackson Heights, NY 11372, 38-10 Junction Boulevard, Corona, NY 11368, and 104-02 Northern Boulevard, Corona, NY 11368 were surrendered and new licenses issued for each of these locations.

December 27, 2005 (CC-LFS)
SRK SERVICE INC.
545 8 th Avenue – 7 th Floor, New York, NY 10018

Temporary license to conduct business as a commercial check casher under Article IX-A of the New York State Banking Law, extended. The temporary license is good for 30 days only, unless otherwise extended by the Superintendent of Banks.

December 28, 2005 (CC-LFS)
UNITED FACTORING, LLC
2972 Nostrand Avenue, Brooklyn, NY 11229

Temporary license to conduct business as a commercial check casher under Article IX-A of the New York State Banking Law, extended. The temporary license is good for 30 days only, unless otherwise extended by the Superintendent of Banks.

December 28, 2005 (CC-LFS)
V&R PAYROLL FACTORS, INC.
369 West 35 th Street, New York, NY 10001

Temporary license to conduct business as a commercial check casher under Article IX-A of the New York State Banking Law, extended. The temporary license is good for 30 days only, unless otherwise extended by the Superintendent of Banks.

December 28, 2005 (CC-LFS)
ARMAT, LTD.
203 West 28 th Street, New York, NY 10001

Temporary license to conduct business as a commercial check casher under Article IX-A of the New York State Banking Law, extended. The temporary license is good for 30 days only, unless otherwise extended by the Superintendent of Banks.

December 28, 2005 (CC-LFS)
BUSH CAPITAL, LLC.
889 4 th Avenue, Brooklyn, NY 11232

Temporary license to conduct business as a commercial check casher under Article IX-A of the New York State Banking Law, extended. The temporary license is good for 30 days only, unless otherwise extended by the Superintendent of Banks.

December 28, 2005 (CC-LFS)
CITY SERVICES, INC.
245 West 29 th Street, New York, NY 10001

Temporary license to conduct business as a commercial check casher under Article IX-A of the New York State Banking Law, extended. The temporary license is good for 30 days only, unless otherwise extended by the Superintendent of Banks.

December 28, 2005 (CC-LFS)
CONEY ISLAND PAYROLL SERVICE INC.
1122 Coney Island Avenue, Brooklyn, NY 11230

Temporary license to conduct business as a commercial check casher under Article IX-A of the New York State Banking Law, extended. The temporary license is good for 30 days only, unless otherwise extended by the Superintendent of Banks.

December 28, 2005 (CC-LFS)
K.S. FINANCE CORP.
265 West 37 th Street, Suite 202, New York, NY 10018

Temporary license to conduct business as a commercial check casher under Article IX-A of the New York State Banking Law, extended. The temporary license is good for 30 days only, unless otherwise extended by the Superintendent of Banks.

December 28, 2005 (CC-LFS)
MD CORPORATE SERVICES, INC.
470 Seventh Avenue, Suite 406, New York, NY 10018

Temporary license to conduct business as a commercial check casher under Article IX-A of the New York State Banking Law, extended. The temporary license is good for 30 days only, unless otherwise extended by the Superintendent of Banks.

December 29, 2005 (CC-LFS)
NEW YORK CITY CREDIT & FUNDING, INC.
80-11 164 th Street, Jamaica, NY 11432

Temporary license to conduct business as a commercial check casher under Article IX-A of the New York State Banking Law, extended. The temporary license is good for 30 days only, unless otherwise extended by the Superintendent of Banks.

December 29, 2005 (CC-LFS)
CITYWIDE PAYROLL SERVICE, INC.
152 West 28 th Street, New York, NY 10001

Temporary license to conduct business as a commercial check casher under Article IX-A of the New York State Banking Law, extended. The temporary license is good for 30 days only, unless otherwise extended by the Superintendent of Banks.

December 29, 2005 (TR-LCB)
BANK OF TOKYO-MITSUBISHI TRUST COMPANY
1251 Avenue of the Americas, New York, NY 10020

The “RESTATED ORGANIZATION CERTIFICATE OF BANK OF TOKYO-MITSUBISHI UFJ TRUST COMPANY UNDER SECTION 8007 OF THE BANKING LAW”, amending Article FIRST providing for a name change from Bank of Tokyo-Mitsubishi Trust Company to BANK OF TOKYO-MITSUBISHI UFJ TRUST COMPANY, approved and filed in the Office of the Superintendent of Banks. Name change effective as of the opening of business January 1, 2006.

The application is in connection with the merger of UFJ Bank Limited with and into The Bank of Tokyo-Mitsubishi, Ltd.

December 29, 2005 (CC-LFS)
APOLO CAPITAL CO., INC.
501 7 th Avenue, Suite 512, New York, NY 10018

Temporary license to conduct business as a commercial check casher under Article IX-A of the New York State Banking Law, extended. The temporary license is good for 30 days only, unless otherwise extended by the Superintendent of Banks.

December 29, 2005 (SB-CRB)
EMIGRANT SAVINGS BANK - LONG ISLAND
1000 Merchants Concourse, Westbury, NY 11590

As provided in Section 28-c of the Banking Law, the Superintendent of Banks has found that the proposed closing of branch office at Broadway Mall, Route 106, Hicksville, Town of Oyster Bay, Nassau County, NY 11801 will not result in a significant reduction of banking services in the community to be affected.

December 30, 2005 (SF-LFS)
UNITED AUTO CREDIT CORPORATION
3990 Westerly Place, Suite 200, Newport Beach, Orange County, CA 92660

License issued to engage in business as a sales finance companyat 101 Old Cove Road , Suite 114, Liverpool, Onondaga County, New York 13090.

December 30, 2005 (TM-LFS)
CONTINENTAL EXCHANGE SOLUTIONS, INC.
13850 Cerritos Corporate Drive, Cerritos, CA 90703

License issued to engage in business as a money transmitter as a result of a merger and name change. Associated Foreign Exchange, Inc. is to merge into RIA Telecommunications, Inc. Both are licensed transmitters of money. RIA Telecommunications, Inc., the surviving entity, will change its name to Continental Exchange Solutions, Inc.

December 30, 2005 (TM-LFS)
MONEYGRAM INTERNATIONAL, INC.
1550 Utica Avenue South, Minneapolis, MN 55416

No objection has been made to the merger of two wholly owned subsidiaries that are licensed transmitters of money. Travelers Express Company, Inc. is to merge into MoneyGram Payment Systems, Inc. MoneyGram Payment Systems, Inc. will be the surviving licensed entity.

December 30, 2005 (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 two locations:

1. Monroe Community College North Atrium, 1000 East Henrietta Road, Town of Brighton, Monroe County, NY 14623; and
2. Monroe Community College Damon City Campus, 228 Main Street, Rochester, Monroe County, NY 14604.

January 3, 2006 (PB-LCB)
BROWN BROTHERS HARRIMAN & CO.
140 Broadway, New York, NY 10005

Verified Certificate to Continue Business, approved and filed.

January 3, 2006 (TR-CRB)
MANUFACTURERS AND TRADERS TRUST COMPANY
One M&T Plaza, Buffalo, NY 14203

Authorization issued to open and occupy a branch office at 11200 Racetrack Road, Berlin, Worcester County, MD 21811, on or after January 4, 2006.

January 3, 2006 (TR-CRB)
NYNB BANK
369 East 149 th Street, Bronx, NY 10455

The “Plan of Conversion,” together with the “Organization Certificate of NYNB Bank,” were filed in the Office of the Superintendent of Banks, as of an 12:01 AM, January 1, 2006, and an Authorization Certificate was issued in connection with the conversion of New York National Bank II, a successor to New York National Bank and which was the national bank that converted to New York charter, into a State trust company, pursuant to Section 136 of the Banking Law, under the name “NYNB Bank.” The conversion became effective as of 12:01 A.M. January 1, 2006.

The principal office of NYNB Bank is located at 369 East 149 th Street, Borough of Bronx, City of New York 10455. The branch offices of NYNB Bank are at the following locations:

1042 Westchester Avenue, Borough of Bronx, City of New York 10459;
619 Main Street, Borough of Manhattan, City of New York 10044;
2256 Second Avenue, Borough of Manhattan, City of New York 10029;
4211 Broadway, Borough of Manhattan, City of New York 10033.

January 4, 2006 (SB-CRB)
FIRST CENTRAL SAVINGS BANK
70 Glen Street, Glen Cove, NY 11542

Authorization issued to open and occupy a branch office at 37-26/37-28 Ditmars Boulevard, Astoria, Borough of Queens, City of New York 11105, on or after January 5, 2006.

January 4, 2006 (SB-CRB)
NEW YORK COMMUNITY BANK
136-65 Roosevelt Avenue, Flushing, NY 11354

As provided in Section 28-c of the Banking Law, the Superintendent of Banks has found that the proposed closing of branch office in Stop & Shop Supermarket, 2350 North Ocean Avenue, Farmingville, Town of Brookhaven, Suffolk County, NY 11738 will not result in a significant reduction of banking services in the community to be affected.

January 4, 2006 (PB-LCB)
BROWN BROTHERS HARRIMAN & CO.
140 Broadway, New York, NY 10005

Authorization to transact the business of Private Bankers issued, effective January 1, 2006.

GENERAL PARTNERS/CLASS 1 LIMITED PARTNERS

CLASS 2 LIMITED PARTNERS

Permanent capital: $95,000,000

(These Private Bankers are already under the supervision of the Department. New Certificate issued by reason of the admission to the firm of Jeffrey R. Holland as a General Partner/Class 1 Limited Partner, and the conversion of Eugene C. Rainis from General Partner/Class 1 Limited Partner to Class 2 Limited Partner.)

January 4, 2006 (PB-LCB)
BROWN BROTHERS HARRIMAN & CO.
140 Broadway, New York, NY 10005

Certificate of Authorization issued January 6, 2005 to transact the business of Private Bankers revoked, effective January 1, 2006.

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

January 03, 2006 (BR-MBD)
Global Marketing Corporation of Charlotte
7239 Pineville, Matthews Road, Charlotte, NC 28226 6154

January 03, 2006 (BR-MBD)
Jacob Dean Mortgage, Inc.
21351 Gentry Drive, Suite 225, Sterling, VA 20166

January 03, 2006 (BR-MBD)
Kensington Mortgage Group, Inc.
5 Cliff Street, Beacon, NY 12508 2701

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

January 03, 2006 (MB-MBD)
Pacific Reverse Mortgage, Inc. D/B/A Financial Heritage
9275 Sky Park Court, #125, San Diego, CA 92123

January 03, 2006 (MB-MBD)
MortgageStar, Inc.
7735 Old Georgetown Road, Suite 800, Bethesda, MD 20814

January 04, 2006 (MB-MBD)
BRTH Companies In Lieu of True Name Pinnacle Mortgage Group, Inc.
3605 South Teller Street, Lakewood, CO 80235

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

December 29, 2005 (BR-MBD)
Loan Solicitation Office
Consumer Mortgage Group, Inc.
411 Theodore Fremd Avenue, 2nd floor, Suite 257, Rye, NY 10580

January 03, 2006 (BR-MBD)
Full Service Branch
Richard T. Wilson D/B/A Adirondack Mortgage Service
149 Woodlawn Avenue, Saratoga, NY 12866

January 03, 2006 (BR-MBD)
Loan Solicitation Office
Richard T. Wilson D/B/A Adirondack Mortgage Service
12 Harrison Avenue, Glens Falls, NY 12801

January 03, 2006 (BR-MBD)
Loan Solicitation Office
Richard T. Wilson D/B/A Adirondack Mortgage Service
520 Seneca Street, Utica, NY 13502

January 03, 2006 (BR-MBD)
Full Service Branch
Nationwide Equities Corporation
10 East Merrick Road, Suite 201, Valley Stream, NY 11580

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

January 04, 2006 (BR-MBD)
Full Service Branch
Nationwide Financial Group, Inc.
10 Shore Boulevard, Suite 1G, Brooklyn, NY 11235

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

December 29, 2005 (BR-MBD)
Columbus Mortgage Company, Inc.
14 Penn Plaza, Suite 2200, New York, NY 10122 2202
Effective Date: December 28, 2005

January 03, 2006 (BR-MBD)
P.A.P. Investing Co.
850 Montauk Highway, Shirley, NY 11967
Effective Date: December 22, 2005

January 03, 2006 (BR-MBD)
Snyder Funding, Inc.
40 North Forest, Williamsville, NY 14221
Effective Date: December 23, 2005

January 03, 2006 (BR-MBD)
Jeffrey J. Ruan, Esq. DBA
Besta Service Company
401 Broadway - Suite 2303, New York, NY 10013 3005
Effective Date: December 22, 2005

January 03, 2006 (BR-MBD)
Taconic Mortgage Company, Inc.
345 Kear Street, Suite 212, Yorktown Heights, NY 10598
Effective Date: December 19, 2005

January 04, 2006 (BR-MBD)
HNW Corp.
130 Lakebridge Drive N, Kings Park, NY 11754
Effective Date: December 31, 2005

January 04, 2006 (BR-MBD)
D.K. Mortgages of NY Inc.
67-13 Myrtle Avenue, Glendale, NY 11385 7056
Effective Date: December 30, 2005

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

January 03, 2006 (MB-MBD)
Family Financial Services Inc
765 Main Street, Monroe, CT 06468
Effective Date: December 29, 2005

January 03, 2006 (MB-MBD)
Fidelity Mortgage Inc.
1000 Woodbury Road, Woodbury, NY 11797
Effective Date: January 01, 2006

January 04, 2006 (MB-MBD)
Finance America, LLC
16802 Aston Street, Irvine, CA 92606
Effective Date: December 31, 2005

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

December 29, 2005 (BR-MBD)
Full Service Branch
NovaStar Home Mortgage, Inc.
481 Morris Avenue, Summit, NJ 07901
Effective Date: December 31, 2005

December 29, 2005 (BR-MBD)
Full Service Branch
NovaStar Home Mortgage, Inc.
3131 Turtle Creek Blvd., Suite 400, Dallas, TX 75219
Effective Date: December 31, 2005

December 29, 2005 (BR-MBD)
Full Service Branch
NovaStar Home Mortgage, Inc.
102C Centre Boulevard, Marlton, NJ 08053
Effective Date: December 31, 2005

December 29, 2005 (BR-MBD)
Full Service Branch
NovaStar Home Mortgage, Inc.
2081 Business Center Drive, Suite 245, Irvine, CA 92612
Effective Date: December 31, 2005

December 29, 2005 (BR-MBD)
Full Service Branch
NovaStar Home Mortgage, Inc.
15550 B Rockfield Blvd, Irvine, CA 92618
Effective Date: December 31, 2005

December 29, 2005 (BR-MBD)
Full Service Branch
NovaStar Home Mortgage, Inc.
15 Hammond, Suite 301, Irvine, CA 92616
Effective Date: December 31, 2005

December 29, 2005 (BR-MBD)
Full Service Branch
NovaStar Home Mortgage, Inc.
11420 North Kendall Drive, Suite 110, Miami, FL 33176
Effective Date: December 31, 2005

December 29, 2005 (BR-MBD)
Full Service Branch
NovaStar Home Mortgage, Inc.
1060 Powers Place, Alpharetta, GA 30004
Effective Date: December 31, 2005

December 29, 2005 (BR-MBD)
Full Service Branch
NovaStar Home Mortgage, Inc.
3442 Harry S. Truman Boulevard, St. Charles, MO 63301
Effective Date: December 31, 2005

December 29, 2005 (BR-MBD)
Loan Solicitation Office
R & J Capital Group, LLC,
211 East 46th Street, 4th floor, New York, NY 10017
Effective Date: December 31, 2005

December 29, 2005 (BR-MBD)
Loan Solicitation Office
V & J Consultants Ltd.
622 Midland Avenue, Staten Island, NY 10306
Effective Date: December 31, 2005

December 30, 2005 (BR-MBD)
Loan Solicitation Office
Yes Funding Corp. D/B/A Payoff Now.com
83 Main Street, Suite #3, Patchogue, NY 11772
Effective Date: December 28, 2005

December 30, 2005 (BR-MBD)
Loan Solicitation Office
Triumph Funding Corp.
42-26 28th Street, Suite 5A, Long Island City, NY 11101
Effective Date: December 31, 2005

January 03, 2006 (BR-MBD)
Loan Solicitation Office
Safe Harbor Capital Group, LLC
2024 West Henrietta Road, Suite 3F, Rochester, NY 14623
Effective Date: December 31, 2005

January 03, 2006 (BR-MBD)
Loan Solicitation Office
Taconic Mortgage Company, Inc.
11 Peekskill Hollow Road, 3rd floor, Putnam Valley, NY 10579
Effective Date: December 19, 2005

January 03, 2006 (BR-MBD)
Loan Solicitation Office
Safe Harbor Capital Group, LLC
130 West Main Street, 1st floor, East Islip, NY 11730
Effective Date: December 31, 2005

January 03, 2006 (BR-MBD)
Full Service Branch
MMC Mortgage Center, Inc.
65 LaSalle Road, Suite 207, West Hartford, CT 06107
Effective Date: December 31, 2005

January 04, 2006 (BR-MBD)
Full Service Branch
The Mortgage Zone, Inc.
900 Walt Whitman Rd., Ste. LL12, Melville, NY 11747
Effective Date: January 04, 2006

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

December 29, 2005 (MB-MBD)
Full Service Branch
Real Estate Mortgage Network, Inc.
150 White Plains Road, Suite 102, Tarrytown, NY 10591
Effective Date: December 31, 2005

December 29, 2005 (MB-MBD)
Full Service Branch
Real Estate Mortgage Network, Inc.
41 Grand Avenue, River Edge, NJ 07661
Effective Date: December 31, 2005

December 29, 2005 (MB-MBD)
Loan Solicitation Office
Mortgage Links Inc.
1160 E. Jericho Turnpike, Ste. 12, Huntington, NY 11743
Effective Date: December 31, 2005

December 29, 2005 (MB-MBD)
Loan Solicitation Office
Cambridge Home Capital, LLC D/B/A Cambridge Senior Capital
37 W. John Street, Hicksville, NY 11801
Effective Date: December 31, 2005

December 29, 2005 (MB-MBD)
Loan Solicitation Office
Mortgage Links Inc.
9122 4th Avenue, Brooklyn, NY 11209
Effective Date: December 31, 2005

December 29, 2005 (MB-MBD)
Full Service Branch
Real Estate Mortgage Network, Inc.
769 Elmont Road, Elmont, NY 11003
Effective Date: December 31, 2005

December 29, 2005 (MB-MBD)
Full Service Branch
Real Estate Mortgage Network, Inc.
1 Cross Island Plaza, Suite 110, Rosedale, NY 11422
Effective Date: December 31, 2005

December 30, 2005 (MB-MBD)
Full Service Branch
Saxon Equity Mortgage Bankers, Ltd.
99 Smithtown Boulevard, Smithtown, NY 11787
Effective Date: December 31, 2005

January 03, 2006 (MB-MBD)
Full Service Branch
Global Home Loans & Finance Inc. DBA Directloansource.com
Additional DBA(S): Global;Global Money; Lexington Funding Group
250 Fulton Avenue, Suite 102, Hempstead, NY 11550
Effective Date: January 03, 2006

January 04, 2006 (MB-MBD)
Full Service Branch
Finance America, LLC
One Thorn Center - 1187 Thorn Run Ext.- Suite 620, Coraopolis, PA 15108
Effective Date: December 31, 2005

January 04, 2006 (MB-MBD)
Full Service Branch
Finance America, LLC
2655 Warrenville Road, 5th floor, Downers Grove, IL 60515
Effective Date: December 31, 2005

January 04, 2006 (MB-MBD)
Loan Solicitation Office
Finance America, LLC
4100 E. Mississippi Avenue, Suite 1000, Denver, CO 80246
Effective Date: December 31, 2005

January 04, 2006 (MB-MBD)
Loan Solicitation Office
Finance America, LLC
4004 SW Kruse Way Place, Suite 220, Lake Oswego, OR 97035
Effective Date: December 31, 2005

January 04, 2006 (MB-MBD)
Loan Solicitation Office
Finance America, LLC
4100 Midway Road, Suite 1110, Carrollton, TX 75007
Effective Date: December 31, 2005

January 04, 2006 (MB-MBD)
Full Service Branch
Finance America, LLC
1551 Sawgrass Parkway #400, Sunrise, FL 3323
Effective Date: December 31, 2005

January 04, 2006 (MB-MBD)
Full Service Branch
Finance America, LLC
3355 Michelson Drive, Suite 300, Irvine, CA 92612
Effective Date: December 31, 2005

Mortgage Broker Certificate Name Changes :

December 29, 2005 (BR-MBD)
From: Pinnacle Mortgage, LLC
To: American Universal Mortgage, LLC

January 04, 2006 (BR-MBD)
From: Bay Mortgage, Inc. D/B/A Nationwide Wholesale Mortgage
To: Nationwide Wholesale Mortgage Corp.

Mortgage Banker License Name Changes:

January 04, 2006 (MB-MBD)
From:Grand Pacific Mortgage Corp. D/B/A Hall of Fame Funding
To: Grand Pacific Mortgage Corp. D/B/A Hall of Fame Funding
Additional DBA(S): Cornerstone Home Loans

Mortgage Broker Certificate Address Changes:

January 03, 2006 (BR-MBD)
DANA Funding Inc.
From: 356 Veterans Highway, Commack, NY 11725,
To: 49 Wireless Boulevard, Hauppauge, NY 11788

January 03, 2006 (BR-MBD)
DCG Mortgage In Lieu of True Name DCG Home Loans, Inc.
From: 8001 Irvine Center Drive, Suite 400, Irvine, CA 92618
To: 8001 Irvine Center Drive, Suite 200, Irvine, CA 92618

January 03, 2006 (BR-MBD)
Jassoda Bharat D/B/A Dominion Home Mortgage
From: 121-10 Liberty Avenue, 2nd Floor, Richmond Hill, NY 11419
To: 135-10 Liberty Avenue, Richmond Hill, NY 11419

January 04, 2006 (BR-MBD)
Mortgage Managers, Incorporated
From: 162-04 85th Street, Howard Beach, NY 11414
To: 100 Coolidge Street, Malverne, NY 11565

January 04, 2006 (BR-MBD)
Priority Funding, Ltd.
From: 136 East Main Street, East Islip, NY 11730
To: 265 East Main Street, Suite 157, East Islip, NY 11730

January 04, 2006 (BR-MBD)
Acorn Funding Group, Inc.
From: 459 Hempstead Avenue, West Hempstead, NY 11552
To: 437 Hempstead Avenue, West Hempstead, NY 11552

Mortgage Banker License Address Changes:

January 04, 2006 (MB-MBD)
Grand Pacific Mortgage Corp. D/B/A Hall of Fame Funding
Additional DBA(S): Cornerstone Home Loans
From: 41-99 Main Street, Second Floor, Flushing, NY 11355
To: 10 Skyline Drive, Hawthorne, NY 10532

Mortgage Broker Branch Certificate Address Changes:

January 03, 2006 (BR-MBD)
Allied Financial LLC
From: 1812 Bath Avenue, Suite 202, Brooklyn, NY 11214
To: 2444 Coney Island Avenue, Brooklyn, NY 11223

January 03, 2006 (BR-MBD)
Discount Funding Associates, Inc.
From: 116 West 23rd Street, Suite 500, Room #93, New York, NY 10011
To: 84 Business Park Drive, Suite 102, Armonk, NY 10504

Mortgage Banker Branch License Address Changes :

January 03, 2006 (MB-MBD)
Guaranteed Home Mortgage Company Inc.
From: 20 Squadron Boulevard, Suite 101, New City, NY 10956
To: 20 Squadron Boulevard, Suite 620, New City, NY 10956

January 03, 2006 (MB-MBD)
Global Home Loans & Finance Inc. DBA Directloansource.com
Additional DBA(S): Global; Global Money; Lexington Funding Group
From: 134-19 Liberty Avenue, Richmond Hill, NY 11419
To: 94-28 103rd Avenue, South Ozone Park, NY 11417

January 03, 2006 (MB-MBD)
ECC Encore Credit In Lieu of True Name Encore Credit Corp.
From: 1750 Howe Avenue, Suite 600, Sacramento, CA 95825
To: 10100 Trinity Parkway, Suite 200, Stockton, CA 95219

January 03, 2006 (MB-MBD)
GMAC Mortgage Corporation DBA ditech.com
From: 17 Main Street, Sparta, NJ 07871
To: 35 Sparta Avenue, Unit 2 & 4, Sparta, NJ 07871

January 04, 2006 (MB-MBD)
Ameriquest Mortgage Company, Inc. U/A/N Ameriquest Mortgage Company
From: 35 Pinelawn Road, Suite 214E, Melville, NY 11747
To: 35 Pinelawn Road, Suite 205W, Melville, NY 11747

January 04, 2006 (MB-MBD)
Franklin First Financial, Ltd. D/B/A Franklin First Mortgage Bankers
From: 1979 Marcus Avenue, Lake Success, NY 11047
To: 445 Broadhollow Road, Suite 215, Melville, NY 11747

January 04, 2006 (MB-MBD)
Grand Pacific Mortgage Corp. D/B/A Hall of Fame Funding
Additional DBA(S): Cornerstone Home Loans
From: 10 Skyline Drive, Hawthorne, NY 10532
To: 14-16 East Central Avenue, Pearl River, NY 10965

January 04, 2006 (MB-MBD)
AEGIS Wholesale Corporation
From: 140 Wood Road, Suite 200, Braintree, MA 02184
To: 600 Longwater Drive, 1st Floor, Norwell, MA 02061

January 04, 2006 (MB-MBD)
Franklin First Financial, Ltd. D/B/A Franklin First Mortgage Bankers
From: 65 West Merrick Road, #212, Valley Stream, NY 11580
To: 1888 Eastchester Road, Suite 1, Bronx, NY 10461

Bulletin item dated October 5, 2005 regarding the voluntary surrender of mortgage banker license by Fidelity Mortgage Inc. is corrected to indicate that the effective date of such surrender is January 1, 2006.

January 01, 2006 (MB-MBD)
Fidelity Mortgage Inc.
1000 Woodbury Road, Woodbury, Y 11797
Effective Date: January 1, 2006

THERE WILL BE NO SECTION III THIS WEEK.