R. Kinney Williams - Yennik, Inc.ģ
R. Kinney Williams
Yennik, Inc.

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Bank Regulatory News
July 2002

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July 31, 2002 - The Federal Reserve Board today announced its approval of the applications by Bank of Orange County, Fountain Valley, California, to merge with Cerritos Valley Bank, Artesia, California, and establish branches at the former locations of Cerritos.  www.federalreserve.gov/boarddocs/press/orders/2002/20020731/default.htm

July 31, 2002 - Beige Book -
Prepared at the Federal Reserve Bank of New York and based on information collected before July 23, 2002. This document summarizes comments received from businesses and other contacts outside the Federal Reserve and is not a commentary on the views of Federal Reserve officials. www.federalreserve.gov/FOMC/BeigeBook/2002/20020731/Default.htm

July 31, 2002 - NCUA -
Monthly Activity Report for June 2002 (Regional Directors Actions Taken Under Delegation of Authority) www.ncua.gov/ref/delegated/del0602.pdf

July 31, 2002 - NCUA -
Customer Identification Programs for Banks, Savings Associations, and Credit Unions
www.ncua.gov/news/proposed_regs/31CFRPart103-proposed.pdf

July 30, 2002 - FDIC Makes Public June Enforcement Actions; No Administrative Hearings Scheduled - The Federal Deposit Insurance Corporation today released a list of orders of administrative enforcement actions taken against banks and individuals in June. No administrative hearings are scheduled for August. www.fdic.gov/news/news/press/2002/pr8702.html

July 30, 2002 -
Financial Holding Companies - Under the Bank Holding Company Act, bank holding companies may elect to be financial holding companies. www.federalreserve.gov/GeneralInfo/FHC/default.htm

July 30, 2002 - Amended Statement of Policy on Bank Merger Act Transactions - "Anti-Money Laundering Record" - The Federal Deposit Insurance Corporation has amended its Statement of Policy on Bank Merger Transactions to incorporate a statutory change made by the USA PATRIOT Act www.fdic.gov/news/news/financial/2002/fil0282.html

July 30, 2002 - Hispanic Banking Forum Encourages Banks to Reach Growing Hispanic Population in Chicago Region - The Office of the Comptroller of the Currency, the Federal Reserve Bank of Chicago and the Federal Deposit Insurance Corporation will co-sponsor a Hispanic Banking Forum in Chicago, Illinois on July 31
www.occ.treas.gov/ftp/release/2002-62.txt

July 30, 2002 - Notice of Proposed Rule Making-Customer Identification Programs for Banks, Savings Associations, and Credit Unions - This bulletin transmits a notice of proposed rule making jointly published by the U.S. Treasury Department, through the Financial Crimes Enforcement Network, the federal banking agencies, and the National Credit Union Administration on July 23. www.occ.treas.gov/ftp/bulletin/2002-34.txt

July 29, 2002 - The Federal Reserve Board on Monday announced the execution of a Written Agreement by and among the Community First Bank and Trust, Celina, Ohio, the Federal Reserve Bank of Cleveland, and the Ohio Division of Financial Institutions. www.federalreserve.gov/boarddocs/press/Enforcement/2002/20020729/default.htm

July 29, 2002 - Proposed Collection of Data on Subprime Consumer Lending Programs - The Federal Deposit Insurance Corporation, the Federal Reserve Board, and the Office of the Comptroller of the Currency are requesting comment on the addition of a proposed new schedule to the Reports of Condition and Income that would collect data on consumer loans in subprime lending programs. www.ffiec.gov/PDF/FFIEC_forms/ffiec031_041_20020726_subprime_dc.pdf

July 29, 2002 - The New Power Of Regions: A Policy Focus For Rural America - U.S. rural policy should encourage more regional partnering among rural businesses, communities and governments. That was the conclusion reached by policy experts and rural leaders attending the third annual rural policy conference "The New Power of Regions: A Policy Focus for Rural America," which was held in Kansas City earlier this year. www.kc.frb.org/pubaffrs/pressrel/pr02-13.htm

July 29, 2002 - NCUA - Decision and Order Issued in the Matter of Katharina Wagner Gully - The National Credit Union Administration (NCUA) Board has issued a Final Decision and Order in the Matter of Katharina Wagner Gully, former manager of the Waterside Federal Credit Union in Queens, N.Y.
www.ncua.gov/news/press_releases/nr02-0726.html

July 29, 2002 - James Nelson To Head Bank Supervision At The Chicago Fed -
The Federal Reserve Bank of Chicago today announced that its Board of Directors has approved the promotion of James (Jim) W. Nelson as Senior Vice President of Supervision and Regulation, effective today. www.chicagofed.org/newsandevents/pressreleases/2002/pr07292002.cfm

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July 26, 2002 - Reverse Stock Split Procedures - The OCC is revising the expedited review procedures for national banks to effect reverse stock splits.  The revision is necessary to reflect the repeal of 12 USC 51, minimum capital requirements.  Advisory Letter AL 2000-4, dated May 9, 2000, is rescinded. www.occ.treas.gov/ftp/advisory/2002-6.txt

July 26, 2002 - Proposed Collection of Data on Subprime Consumer Lending Programs - The Federal Deposit Insurance Corporation  the Federal Reserve Board  and the Office of the Comptroller of the Currency are requesting comment on the addition of a proposed new schedule to the Reports of Condition and Income (Call Report) that would collect data on consumer loans in subprime lending programs. www.fdic.gov/news/news/financial/2002/fil0281.html

July 26, 2002 - Economic change in rural America- Remarks by Governor Mark W. Olson Before the Fergus Falls Rotary Club, Fergus Falls, Minnesota - www.federalreserve.gov/boarddocs/speeches/2002/20020726/default.htm

July 25, 2002 - NCUA - Orders of Prohibition Issued Against  Ruth Bast and John Long - The National Credit Union Administration has issued Orders of Prohibition against Ruth Bast, former manager, and John Long, former chairman of the board of directors, of Georgia Pacific Credit Union in Canton, Ohio.
Press release:  www.ncua.gov/news/press_releases/nr02-0724.html
Administrative Order 02-0601-IV - Ruth Bast  www.ncua.gov/ref/administrative_orders/02-0601-IV.htm
Administrative Order 02-0402-IV- John Long  www.ncua.gov/ref/administrative_orders/02-0402-IV.htm

July 25, 2002 - NCUA - Community Charter Approvals Under Irps 99-1,
As Amended By IRPS 00-1 AND IRPS 01-1 - The community charter report identifies community conversions, expansions, and new community charters approved under IRPS 99-1, as amended by IRPS 00-1 and IRPS 01-1. This report was modified in July of 2002 which may have resulted in some changes to the data previously posted.
www.ncua.gov/ref/comm_charter_rpt/2001report.htm

July 25, 2002 - Legal Interpretations - Provision of third-party administrator services under the BHC Act www.federalreserve.gov/boarddocs/legalint/BHC_ChangeInControl/2002/20020710/default.htm

July 25, 2002 - Legal Interpretations - Provision of insurance claims administration and risk-management services under the BHC Act www.federalreserve.gov/boarddocs/legalint/BHC_ChangeInControl/2002/200207102/default.htm

July 25, 2002 - Legal Interpretations - Provision of flood-zone determination services under Regulation Y www.federalreserve.gov/boarddocs/legalint/BHC_ChangeInControl/2002/20020709/default.htm 

July 25, 2002 - The Federal Reserve Board announced today the approval of the application of Nordea Bank Finland Plc, Helsinki, Finland, to establish a branch in New York, New York and acquire ownership of a commercial lending company, American Scandinavian Banking Corp., New York, New York. www.federalreserve.gov/boarddocs/press/orders/2002/20020725/default.htm

July 24, 2002 - Section 312 of the USA Patriot Act -- Due Diligence for Correspondent and Private Banking Accounts - Section 312 of the USA Patriot Act generally requires a U.S. financial institution that maintains a correspondent account or private banking account for a non-U.S. person to establish appropriate and, if necessary, enhanced due diligence procedures to detect and report instances of money laundering. www.federalreserve.gov/boarddocs/srletters/2002/sr0218.htm

July 23, 2002 - FBIIC Policy on Sponsorship of GETS Cards for Private Sector Entities - Attached is the Financial and Banking Information Infrastructure Committee interim process for the sponsorship of critical private sector management personnel for Government Emergency Telecommunications Service cards.
Press Release: www.occ.treas.gov/ftp/bulletin/2002-33.txt
Attachment: www.occ.treas.gov/ftp/bulletin/2002-33a.pdf

July 23, 2002 - NCUA's Corporate Examiner's Guide - June 2002 revision (Change 2) www.ncua.gov/ref/corpexguide/corpexguide.pdf

July 23, 2002 - FBIIC Policy on Sponsorship of GETS Cards for Private Sector Entities - Attached is the Financial and Banking Information Infrastructure Committee interim process for the sponsorship of critical private sector management personnel for Government Emergency Telecommunications Service cards.
Press Release: www.occ.treas.gov/ftp/bulletin/2002-33.txt
Attachment: www.occ.treas.gov/ftp/bulletin/2002-33a.pdf

July 22, 2002 - Federal Financial Institution Regulators Draft Guidance On Credit Card Lending - Under the auspices of the Federal Financial Institutions Examination Council, the Office of the Comptroller of the Currency, the Board of Governors of the Federal System, the Federal Deposit Insurance Corporation, and the Office of Thrift Supervision have developed account management and loss allowance guidance for credit card lending. www.federalreserve.gov/boarddocs/press/bcreg/2002/20020722/default.htm
www.fdic.gov/news/news/press/2002/pr8602.html
www.ffiec.gov/press/pr072202.htm
www.occ.treas.gov/ftp/release/2002-61.txt
www.ots.treas.gov/docs/77232.html

July 18, 2002 - NCUA Chairman Tells NAFCU Audience Credit Unions Who Need Growth To Remain Financially Sound Should Have Option Of A Strong Federal Charter www.ncua.gov/news/press_releases/nr02-0718.html

July 18, 2002 - National Credit Union Administration Board Member Deborah Matz addressed members of the National Association of Federal Credit Unions (NAFCU) today at the associationís annual conference and urged them to help their members to build wealth www.ncua.gov/news/press_releases/nr02-0718-2.html

July 18, 2002 - Tips to Safely Conduct Financial Transactions Over the Internet - An NCUA Brochure for Credit Union Members www.ncua.gov/ref/letters/02-FCU-11.html

July 18, 2002 - Community Charter Approvals Under IRPS 99-1, As Amended By IRPS 00-1 And IRPS 01-1 - The community charter report identifies community conversions, expansions, and new community charters approved under IRPS 99-1, as amended by IRPS 00-1 and IRPS 01-1.  This report will be updated on a quarterly basis. www.ncua.gov/ref/comm_charter_rpt/2002report.htm

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July 19, 2002 - "Summer 2002 Community Developments newsletter "Community Development Financial Institutions and CD Banks - Natural Partners for Traditional Lenders" www.occ.treas.gov/cdd/resource.htm#CD

July 19, 2002 - St. Louis Fed's Review Getting the Markets and the Fed on the Same Page for Monetary Policy - Transparency in monetary policy enhances policymakers' credibility and enables investors to better predict how the Federal Reserve will respond to changes in the economy. www.stls.frb.org/general/releases/rel02/nr0718-1.html

July 19, 2002 - Missing Cashier's Checks - The Federal Deposit Insurance Corporation (FDIC) has been informed by Bank of America, Dallas, Texas, that 1,000 of the bank's cashier's checks have been stolen while in transit from the check printer to the bank. www.fdic.gov/news/news/financial/2002/fil0280.html

July 18, 2002 - Federal Reserve And Sec Jointly Announce Administrative Actions Against The PNC Financial Services Group, Inc. - The Board of Governors of the Federal Reserve System and the U.S. Securities and Exchange Commission on Thursday jointly announced the issuance of administrative actions addressing bank supervisory and securities law-related matters against The PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania, a bank holding company. www.federalreserve.gov/boarddocs/press/Enforcement/2002/20020718/default.htm

July 18, 2002 - Can Regional Colleges Make a Difference in Rural America? - In college towns across America, a mutual dependence exists between colleges and their communities. In recent years, colleges have started taking on larger roles in the economic development of their regionsóbut in doing so, must face challenges beyond those faced by some colleges and universities. www.kc.frb.org/pubaffrs/pressrel/pr02-12.htm

July 18, 2002 - OCC Unveils New Version of Web-based Manual To Ease Access to Updated Application Requirements - The Office of the Comptroller of the Currency announced today that the first  six booklets in the Comptroller's Licensing Manual are now available on the OCC's Internet site. 
Press release www.occ.treas.gov/ftp/release/2002-60.txt
Manuals:  http://www.occ.treas.gov/corpapps/corpapplic.htm 

July 17, 2002 - OCC Releases CRA Evaluations For 17 National Banks - The Office of the Comptroller of the Currency today released a list of Community Reinvestment Act (CRA) performance evaluations that became public during the period of June 15 through July 14, 2002. www.occ.treas.gov/ftp/release/2002-58.txt

July 17, 2002 - Treasury and Federal Financial Regulators Issue Patriot Act Regulations on Customer Identification - The Department of the Treasury and seven federal financial regulators today issued proposed rules that would require certain financial institutions to establish minimum procedures for identifying and verifying the identity of customers seeking to open new financial accounts.
FRB Press Release:  www.federalreserve.gov/boarddocs/press/bcreg/2002/20020717/default.htm  
FDIC Press Release:  www.fdic.gov/news/news/press/2002/pr8502.html  
NCUA Press Release:  www.ncua.gov/news/press_releases/nr02-0717-1.html
OCC Press Release:  www.occ.treas.gov/ftp/release/2002-59.txt
OCC Attachment:  www.occ.treas.gov/ftp/release/2002-59a.pdf
OTS Press Release:  www.ots.treas.gov/docs/77231.html

July 17, 2002 - NCUA - Legal Opinion Letter 02-0520 - Segregation of Duties for Loan Officers www.ncua.gov/ref/opinion_letters/2002/02-0520.html

July 16, 2002 - NCUA - Letter to Federal Credit Unions 02-FCU-10 -- The Compassion Capital Fund www.ncua.gov/ref/letters/02-FCU-10.html

July 16, 2002 - Children's Online Privacy Protection Act - Attached are examination procedures for the Children's Online Privacy Protection Act (COPPA) that are effective immediately.
Press Release: www.occ.treas.gov/ftp/bulletin/2002-31.txt
Attachment: www.occ.treas.gov/ftp/bulletin/2002-31a.pdf

July 16, 2002 - NCUA - Issues 2003 Board Meeting Schedule - The National Credit Union Administration Board today announces its 2003 meeting schedule. www.ncua.gov/news/press_releases/nr02-0716.html

July 16, 2002 - OCC Announces 11 New Enforcement Actions and 3 Terminations - The Office of the Comptroller of the Currency today announced 11 new enforcement actions taken against national banks and individuals currently and formerly affiliated with national banks and 3 terminations of an existing enforcement action. www.occ.treas.gov/ftp/release/2002-57.txt

July 15, 2002 - NCUA Submits Comment to SEC Supporting Credit Union Ability to Offer Sweep Accounts - The National Credit Union Administration announced today that it has issued a letter to the Securities and Exchange Commission in response to the SECís request for comment on the Notice of Application of Evangelical Christian Credit Union for Exemptive Relief (SEC File No. S7-12-01).
Press Release:  www.ncua.gov/news/press_releases/nr02-0715.html
Letter to SEC:  http://www.ncua.gov/news/press_releases/#Letter1 

July 15, 2002 - The Office of Thrift Supervision is hosting an inter-agency information technology security conference October 15 - 17, 2002 at the Hilton DFW Lakes Executive Center in Grapevine, Texas. The conference is offered in cooperation with the Federal Deposit Insurance Corporation Office of the Comptroller of the Currency, Texas Department of Banking and the Federal Reserve Bank of Dallas. www.ots.treas.gov/docs/48906.pdf

July 15, 2002 - Low Inflation Expectations In Long Run Aid Fed's Flexibility In Short Run: St. Louis Fed's Poole - At a time when long-run expectations of low inflation are well established, the Federal Reserve need not be hypersensitive to short-term inflation concerns. The reason: The Fed's credibility as a long-term inflation fighter gives the Fed room to adjust policy to reduce unwanted fluctuations in employment and output. www.stls.frb.org/general/releases/rel02/nr0712.html

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July 11, 2002 - NCUA activates disaster assistance in response to San Antonio flooding - The National Credit Union Administration has activated its disaster relief policy to assist credit unions and their members with homes and businesses damaged or affected by recent flooding in the Texas counties of Atascosa, Bexar, Blanco, Brown, Caldwell, Comal, Eastland, Frio, Goliad, Gonzales, Guadalupe, Hays, Karnes, Kerr, La Salle, Medina, Real, Taylor, Travis and Wilson.
www.ncua.gov/news/press_releases/nr02-0711.html


July 10, 2002 - The Federal Reserve Board on Wednesday announced the execution of a Written Agreement by and among Rurban Financial Corp., Defiance, Ohio; The State Bank and Trust Company, Defiance, Ohio; the Federal Reserve Bank of Cleveland; and the Ohio Division of Financial Institutions. www.federalreserve.gov/boarddocs/press/Enforcement/2002/20020710/default.htm

July 10, 2002 - The Federal Reserve Board on Wednesday released the minutes of its discount rate meetings from April 1 to May 6, 2002  - www.federalreserve.gov/boarddocs/press/monetary/2002/20020710/default.htm

July 10, 2002 - New Quarterly Letter to FDIC Stakeholders to Communicate Significant Agency Activities - As Chairman of the Federal Deposit Insurance Corporation (FDIC), I believe that ongoing communication with the institutions we supervise and insure, employees and other stakeholders is very important. I want to keep you informed on how we are doing with the priorities we've set at the FDIC, what management indicators we use at the FDIC, and significant approved actions by the Board of Directors.  www.fdic.gov/news/news/financial/2002/fil0277.html

July 10, 2002 - NCUA - Legal Opinion Letter 02-0458 - Application of 10% Loans-to-One-Borrower Limit to Share-Secured Loans www.ncua.gov/ref/opinion_letters/2002/02-0458.html

July 9, 2002 - Specially Designated Nationals and Blocked Persons - On June 27, 2002, the Department of the Treasury's Office of Foreign Assets Control amended its list of Specially Designated Nationals and Blocked Persons by adding two names. It also redesignated one entry, with new information added, on its list of Specially Designated Global Terrorists. www.fdic.gov/news/news/financial/2002/fil0276.html

July 9, 2002 - Guidance Regarding Indemnification Agreements and Payments - Recently, some merger and acquisition applications filed with the Federal Reserve have included broad scope indemnification clauses in the agreements between the parties to the proposed transactions.  Some of these indemnification clauses seek to indemnify the target financial institution's officers, directors, and employees from any judgments, fines, claims or settlements whether civil, criminal, or administrative that relate to "conduct before the merger or acquisition." www.federalreserve.gov/boarddocs/srletters/2002/sr0217.htm

July 8, 2002 - The Federal Reserve Board on Monday announced the issuance of Orders of Restitution against William Chiang, Paul Lee, Joseph C.C. Kuo, Lih Yuh Kuo, and Ching-Tseh Yao, all former directors of the Great Eastern Bank, Flushing, New York. www.federalreserve.gov/boarddocs/press/Enforcement/2002/20020708/default.htm

July 8, 2002 - The Federal Reserve Board on Monday announced the execution of a Written Agreement by and among First American Bancorp, Inc., Stonewall, Oklahoma, the First American Bank, Stonewall, Oklahoma, the Federal Reserve Bank of Kansas City, and the Oklahoma State Banking Department. www.federalreserve.gov/boarddocs/press/Enforcement/2002/200207082/default.htm

July 8, 2002 - Financial Markets Regulation in the United States - Remarks by Governor Mark W. Olson At the Second Financial Summit: Challenges and Emerging Risks Facing the Financial Industry, Madrid, Spain www.federalreserve.gov/boarddocs/speeches/2002/20020708/

July 8, 2002 -
NCUA Chairman Claims Agency's Access Across America Initiative Showing Results Which Will "Empower Communities and Individuals" - Dollar Says Mid-Year Numbers Show Over 9.1 Million Residents of Underserved Areas Added to Credit Union Fields of Membership Through June 2002 http://www.ncua.gov/news/press_releases/nr02-0708.html

July 8, 2002 - Auto Industry Analysis Featured in Latest Chicago Fed Letter - The Chicago Fed's ninth annual Auto Outlook Symposium brought auto industry experts together to analyze the sectorís performance and growing concerns about costs. The latest Chicago Fed Letter summarizes the presentations at the event and presents the participants' consensus outlook for the U.S. economy. www.chicagofed.org/newsandevents/pressreleases/2002/pr07082002.cfm

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July 5, 2002 - FDIC Issues July List Of Banks Examined For CRA Compliance - The Federal Deposit Insurance Corporation  today issued its monthly list of state nonmember banks recently evaluated for compliance with the Community Reinvestment Act . The list covers evaluation ratings that the FDIC assigned to institutions in April 2002. www.fdic.gov/news/news/press/2002/pr8402.html

July 5, 2002 - NCUA Issues Prohibition Order Against Cherelyn Lutz  www.ncua.gov/news/press_releases/nr02-0705-3.htmlNCUA Issues Prohibition Order Against Susan Case  www.ncua.gov/news/press_releases/nr02-0705-2.html; NCUA Issues Order of Prohibition Against Ann Sheppard www.ncua.gov/news/press_releases/nr02-0705-1.html  

July 5, 2002 - The Federal Open Market Committee on Friday announced its tentative meeting schedule for 2003: www.federalreserve.gov/boarddocs/press/monetary/2002/20020705/default.htm

July 3, 2002 - Notice of Proposed Rulemaking--Rules Governing Availability of Information - This bulletin transmits a notice of proposed rulemaking published by the U.S. Treasury Department's Office of Foreign Assets Control on June 19 concerning the availability of information. 
Press release  www.occ.treas.gov/ftp/bulletin/2002-30.txt
Attachment  http://www.occ.treas.gov/ftp/bulletin/2002-30a.pdf 

July 3, 2002 - NCUA - Letter to Credit Unions 02-CU-12 -- Security Program  www.ncua.gov/ref/letters/02-CU-12.html

July 3, 2002 - Minority-Owned Banks - The Federal Reserve Board compiles quarterly data on banks that participate in the Department of the Treasury's Minority Bank Deposit Program and releases the data about twelve weeks after the end of each quarter. The data come from the Consolidated Reports of Condition and Income filed quarterly by banks (FFIEC 031 through 034) and from other information in the Board's National Information Center database. www.federalreserve.gov/releases/mob/

July 2, 2002 - Fictitious Financial Programs Attributed to the Office of the Comptroller of the Currency - The Office of the Comptroller of the Currency (OCC) has received copies of numerous fictitious documents by facsimile and e-mail that contain proposals involving claims to certain international payments reportedly held by the OCC.
Press Release: www.occ.treas.gov/ftp/alert/2002-7.txt
Attachment: www.occ.treas.gov/ftp/alert/2002-7a.pdf
Attachment: www.occ.treas.gov/ftp/alert/2002-7b.pdf

July 2, 2002 - NCUA - Future Computer System Requirements for Processing Electronic Call Reports (Forms 5300 and 5300SF) and Report of Officials - NCUA is introducing enhancements to the Call Report and Report of Officials programs that will make them easier for credit unions to use, run more efficiently, and be less costly for NCUA to support. www.ncua.gov/ref/letters/02-CU-10.html

July 2, 2002 - FDIC Sells Nextbank Owned Credit Card Portfolio - The Federal Deposit Insurance Corporation (FDIC) has announced the sale of the owned credit card portfolio from the former NextBank, National Association, Phoenix, Arizona  NextBank was closed on February 7, 2002, by the Office of the Comptroller of the Currency and the FDIC was named receiver www.fdic.gov/news/news/press/2002/pr8302.html

July 2, 2002 - Regulation and Supervision - Small-Entity Compliance Guide for Regulation P (Privacy of Consumer Financial Information)  http://www.federalreserve.gov/regulations/cg/regpcg.htm 

July 1, 2002 - FDIC To Market Connecticut Bank Of Commerce Assets  - The Federal Deposit Insurance Corporation (FDIC) today announced that it will market a $248 million loan portfolio from the failed Connecticut Bank of Commerce, Stamford, Connecticut, whose offices were located in several Connecticut cities and New York, New York, within the next 45 days. www.fdic.gov/news/news/press/2002/pr8202.html

July 1, 2002 - Financial Holding Companies - Under the Bank Holding Company Act, bank holding companies may elect to be financial holding companies. Following is a list of those companies whose elections to become or be treated as financial holding companies are effective. The list includes only the top-tier holding company in each organization. http://www.federalreserve.gov/generalinfo/fhc/default.htm

 

PLEASE NOTE:  Some of the above links may not function properly because the regulatory agency has changed the URL.  Please e-mail us at examiner@yennik.com if we can be of assistance.  

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