STATE OF WEST VIRGINIA
103
nd
ANNUAL REPORT
OF FINANCIAL INSTITUTIONS
Pursuant to WV §31A-2-12
Under the Supervision of the
COMMISSIONER OF BANKING
Year ending December 31, 2004
LARRY A. STARK
COMMISSIONER
TABLE OF CONTENTS
Division History 1
Division Activities 2
West Virginia Division of Banking Staff Members 3
and West Virginia Board of Banking and Financial Institutions Members
Bank Applications Received and/or acted upon 4
Fiscal Year Receipts and Disbursements 5
West Virginia Lending and Credit Rate Board Members 6-7
Bank Holding Companies Formations and Dissolutions 8
State and National Banks in West Virginia:
Information Concerning Trust Departments 9
State and National Bank Mergers 10
State and National Bank Report of Condition and Income 11
State Bank Failures 12-14
Banks Operating in West Virginia 15-20
State-Chartered Credit Unions:
Balance Sheet Report 21
Income Statement Report 22-23
WV Corporate Credit Union Year End Totals 24
West Virginia Floating Usury Ceiling Rates 25
West Virginia Regulated Consumer Lenders:
Main and Branch Offices 26-27
Year-end Totals 28
West Virginia Mortgage Lenders and Brokers Licensees 29-38
West Virginia Money Order/Travelers Check Companies 39
DIVISION HISTORY
During the period between 1863 and 1891, state banks were entirely free from regulation and supervision
by the State.
The Legislature in 1891 passed a law providing for a State Banking Department and authorized the
Governor to appoint a State Bank Examiner, to be under the jurisdiction and control of the Board of Public
Works.
The office of the Commissioner of Banking was created by Legislative enactment on February 21, 1901,
and continues to function under and by authority of West Virginia Code 31A, as amended.
The following officials served as heads of the State Banking Department. There was an official name
change in 1989 to the WV Division of Banking.
Name Title Year Served
Charles W. Young Bank Examiner 1891-1892
C.A. Weaver Bank Examiner 1893-1894
No Record Bank Examiner 1895-1898
O.B. Wetzel Bank Examiner 1899-1900
O.B. Kefauver Bank Examiner 1900-1901
M.A. Kendall Commissioner 1901-1905
S.V. Mathews Commissioner 1905-1915
S. Preston Smith Commissioner 1915-1919
Joseph S. Hill Commissioner 1919-1923
Naaman Jackson Commissioner 1923-1924
Harry A. Abbott Commissioner 1924-1929
Lathrop R. Charter,
Jr.
Commissioner 1929-1933
Waitman C. Given Commissioner 1933-1934
George Ward Commissioner 1934-1940
H.P. Brightwell Acting Commissioner 1940-1940
R. Carl Andrews Commissioner 1940-1941
H.D. Vaughan Commissioner 1941-1942
A.W. Locke Commissioner 1942-1947
John H. Hoffman Commissioner 1947-1955
Mrs. Neil W. Walker Commissioner 1955-1957
Donald Taylor Commissioner 1957-1960
Carl B. Early Commissioner 1960-1967
M. W. Smith Commissioner 1967-1971
George B. Jordan, Jr. Commissioner 1972-1974
W. Lovell Higgins Acting Commissioner 1974-1975
George B. Jordan, Jr. Commissioner 1975-1977
H. David Hale Commissioner 1977-1977
C. Joe Mullen Commissioner 1977-1979
W. Lovell Higgins Acting Commissioner 1979-1979
Phyllis Huff Arnold Commissioner 1979-1983
Thomas J. Hansberry Acting Commissioner 1983-1984
Thomas J. Hansberry Commissioner 1985-1985
A. Kevin Thomas Deputy
Commissioner
1985-1987
David S. Mudie Deputy
Commissioner
1987-1988
James H. Paige, III Commissioner 1989-1992
Sharon G. Bias Commissioner 1992-2001
Larry A. Stark Commissioner 2001-
Present
1
WEST VIRGINIA DIVISION OF BANKING ACTIVITIES
During the calendar year, the Commissioner of Banking requires four Calls for Reports of
Condition and Income of state banks as of the following dates:
March 31
June 30
September 30
December 31
Four Calls for Reports of Condition of State Chartered Credit Unions:
March 31
June 30
September 30
December 31
One Call for Report of Condition of Regulated Consumer Lenders:
December 31
One Call for the Annual Report of Mortgage Lenders and Brokers:
December 31
The Division’s Examination Staff participated in and completed the
following classes of examinations for the periods indicated:
2004
2003
Bank Holding Companies
7
4
Commercial Banks and Trust
Companies
(Trust, Compliance, EDP and
Visitations)
59
47
Credit Unions
7
6
Regulated Consumer Lenders
5
8
Mortgage Lender/Broker
Examinations & Visitations
37
32
Total Examinations
115
97
2
COMMISSIONER
LARRY STARK
GENERAL COUNSEL
ROBERT LAMONT
STAFF ATTORNEY KATHY LAWSON
DIRECTOR, DEPOSITORY INSTITUTIONS SARA CLINE
DIRECTOR, NON-DEPOSITORY INSTITUTIONS
TRACY HUDSON
NONDEPOSITORY INSTITUTION LICENSING ANALYST
MARLA GARDNER
INFORMATION SYSTEMS MANAGER JOHN FRANCE
INFORMATION SYSTEMS SPECIALIST
MATTHEW MANN
SECRETARY RUTH HOLT
ADMINISTRATIVE SERVICES ASSISTANT
GRACE ELKINS
OFFICE ASSISTANT
DEANNA DOLIN
OFFICE ASSISTANT JUDY MESSER
STAFF ANALYST DAWN HOLSTEIN
REVIEW EXAMINER
MARTIN GRIMM
FINANCIAL INSTITUTION EXAMINERS
MARK ANDERSON (Chief)
STEPHANIE BEANE
JEFFREY BRICKEY
MICHAEL COPEN
NATHAN FREEMAN
ROBERT GLOTFELTY, JR.
JULIE HARPER
RICHARD HUMPHREY
JERRY MARTIN
CHARLES MCVEY (Chief)
JON OURS
ESTHER SEBERT
ANTHONY SILVESTER
TERRI SPURLOCK
JAMES THOMPSON
ROBERT YOUNG
WV BOARD OF BANKING AND FINANCIAL INSTITUTION
MEMBERS
LARRY STARK, CHAIR
TIMOTHY AIKEN
JAMES CAVA
PAUL DONAHIE
MICHEAL HUDNALL
PAUL LIMBERT
CHARLES THOMAS
3
WEST VIRGINIA BOARD OF BANKING AND FINANCIAL INSTITUTIONS
BANK APPLICATIONS AND OTHER MATTERS
ACCEPTED AND/OR ACTED UPON IN 2004
DATE APPLICATION APPLICANT NAME DESCRIPTION
APPROVED TYPE
3/8/2004 Denovo Bank Premier Bank, Inc.
Approved denovo bank charter for Premier Bank, Inc., Martinsburg, WV.
3/8/2004 Denovo Branch Bank Premier Bank, Inc.
Approved Denovo branch bank for Premier Bank, Inc., Martinsburg, WV, to be located in
Shepherdstown, WV.
3/8/2004 Bank Holding Company Premier Community
Bankshares, Inc.
Approved Premier Community Bankshares, Inc. to acquire Premier Bank, Inc., Martingsburg, WV.
Acquisition
6/14/2004 Bank Holding Company Wesbanco, Inc.
Approved Wesbanco, Inc. Wheeling, WV to acquire Western Ohio Financial Corporation,
Acquisition Springfield , OH.
6/14/2004 Bank Merger Wesbanco Bank, Inc.
Approved merger of Cornerstone Bank, banking subsidiary of Western Ohio Financial
Corporation, Springfield, OH.
9/13/2004 Bank Merger Capital State Bank, Inc.
Approved merger of affiliates, Summit Community Bank, Inc., Moorefield, WV with and into
Capital State Bank, Inc., Charleston, WV, with a simultaneous name change to Summit
Community Bank, Inc.
12/13/2004 Charter Conversion First National Bank of
Romney
Approved conversion of First National Bank of Romney, Romney, WV to a state chartered
bank operating under the name FNB Bank, Inc.
12/13/2004 Bank Holding Company Wesbanco, Inc. Approved Wesbanco, Inc. Wheeling, WV to acquire Winton Financial Corporation, Cincinnati, OH
Acquisition
12/13/2004 Bank Merger Wesbanco Bank, Inc. Approved merger of The Winton Financial Savings and Loan Co., a subsidiary of Winton
Financial Corporation, Cincinnati, OH, with and into Wesbanco Bank, Inc, Wheeling , WV.
4
RECEIPTS AND DISBURSEMENTS OF WV DIVISION OF BANKING
June 30, 2004 June 30, 2003 June 30, 2002 June 30, 2001
RECEIPTS:
Bank Assessments $1,270,598 $1,395,191 $1,519,018 $1,665,831
Regulated Consumer Lender Assessments $132,683 $131,246 $137,547 $147,603
Credit Union Assessments $50,566 $43,556 $33,630 $40,729
Bank Holding Company Assessments $10,334 $10,149 $28,870 $29,095
Bank & Bank Holding Co. Fees $23,969 $33,700 $27,800 $34,600
Money Transmitter Fees $16,490 $16,000 $17,110 $11,800
NonDepository Fees $1,234,207 $1,144,611 $786,934 $165,750
Other Application Fees $6,902 $1,500 $2,350 $750
Miscellaneous Fees $8 $10,307 $10,738 $131
Total Income: $2,745,756 $2,786,260 $2,563,997 $2,096,289
EXPENDITURES:
Personal Services /Annual Increments $1,353,176 $1,247,790 $1,177,817 $1,188,525
Employee Benefits $419,473 $370,103 $330,897 $342,622
Current Expenses $513,227 $475,730 $524,835 $539,540
Repairs and Alterations $1,319 $251 $5,993 $73,937
Total Assets $106,684 $74,520 $94,931.00 $39,941
Operating Transfers $0 $350,000 $200,000.00 $0
Total Operating Expenses: $2,393,879 $2,518,394 $2,334,473 $2,184,565
5
WEST VIRGINIA LENDING AND CREDIT RATE BOARD
STATUTORY MEMBERS, EX OFFICIO:
Mr. Larry A. Stark, Chairperson
Commissioner of Banking
Building 3, Room 311
Charleston, West Virginia 25305
Chairperson of the Board
Statutory Member
Phone: (304) 558-2294
Dr. Chong Kim, Interim Dean, College of Business
Marshall University - Corbly Hall Room 115
Huntington, West Virginia 25701
Statutory Member
Phone: (304) 696-2316
Dr. Jay Coats, Dean, College of Business & Economics
West Virginia University
PO Box 6025
Morgantown, West Virginia 26505
Statutory Member
Phone: (304) 293-4092
Ms. Jill Miles, Deputy Attorney General
WV Attorney General’s Office
PO Box 1789
Charleston, West Virginia 25326-1789
Statutory Member
Phone: (304) 558-8986
Mr. Stephen E. Spence, Executive Director
West Virginia Development Office
Building 6, Room 553
Charleston, West Virginia 25305
Statutory Member
Phone: (304) 558-2234
Mr. John Perdue, Treasurer
State of West Virginia
Building 1, Room EW-141
Charleston, West Virginia 25305
Statutory Member
Phone: (304) 558-5000
6
Public Members:
Mr. James Morgan, Public Member
535 13
th
Avenue
Huntington, West Virginia 25701
Phone: (304) 529-2665 or 523.6120
Reappointed: September 10, 1999
Expires: June 30, 2005
Ms. Anne M. Crowe, Public Member
729 Cumberland Road
Bluefield, West Virginia 24701
Phone: (304) 327-7590 or 800-733-0850
Reappointed: June 16, 1995
Expires: July 1, 2001
Mr. Nelson Wagner, Public Member
2347 Lumber Avenue
Wheeling, West Virginia 26003
Phone: (304) 242-0402
Appointed: January 9, 1999
Expires: July 1, 2003
NO ACTIVITY FOR THE WEST VIRGINIA LENDING AND CREDIT RATE BOARD 2004
7
BANK HOLDING COMPANY
FORMATIONS AND DISSOLUTIONS
2004
Formations:
None
Dissolutions:
None
8
STATE BANKS
HEADQUARTERED IN WEST VIRGINIA
EXERCISING FIDUCIARY POWERS
Reported as of December 31, 2004
STATE BANKS: 12-31-03 12-31-04
Total Trust Department Assets $7,601,068,000 $5,880,393,000
NON-BANK TRUST COMPANIES: 12-31-03 12-31-04
Total Trust Department Assets $280,289,000 $321,442,000
9
BANK MERGERS
STATE AND NATIONAL BANKS OPERATING IN WEST VIRGINIA
THAT OCCURRED IN 2004
BANKS INVOLVED SURVIVING ENTITY
BHC Merger
Western Ohio Financial Corp. Springfield, OH 8/31/2004 Wesbanco, Inc.
Wesbanco, Inc. Wheeling, WV
BHC Merger
J.P. Morgan Chase & Co. NewYork, NY 7/1/2004 J.P. Morgan Chase & Co.
Bank One Coporation Chicago, IL
BHC Merger
Suntrust Banks, Inc. Atlanta, GA 10/1/2004 Suntrust Banks, Inc.
National Commerce Financial
Corporation Memphis, TN
Bank Merger
Cornerstone Bank Springfield, OH 8/31/2004 Wesbanco Bank, Inc.
Wesbanco Bank, Inc. Wheeling, WV
Bank Merger
Capital State Bank Charleston, WV 11/13/2004 Capital State Bank, Inc.
with name change to
Summit Community Bank Moorefield, WV Summit Community Bank, Inc.
10
REPORT OF CONDITION AND INCOME
State Banks
National Banks
(dollars in millions)
12/31/04 12/31/03 12/31/04 12/31/03
Number of Institutions 50 50 16 17
ASSETS
Cash and Due from banks $442 $447 $194 $257
Total securities $3,417 $3,525 $1,601 $1,711
Federal Funds sold and reverse repurchase $347 $449 $57 $27
Net loans and leases $9,570 $8,257 $3,147 $3,288
Other real estate $15 $14 $4 $5
Fixed assets $211 $197 $96 $103
Goodwill & other intangibles $118 $93 $14 $21
Other assets $440 $372 $172 $213
TOTAL ASSETS $14,560 $13,354 $5,285 $5,625
LIABILITIES AND EQUITY CAPITAL
Total deposits $10,638 $9,931 $4,292 $4,542
Federal funds purchased and other borrowings $2,449 $2,099 $409 $481
Mortgage indebtedness $- $- $- $-
Subordinated notes and debentures $- $- $- $-
Other liabilities $128 $112 $43 $44
Common stock $64 $64 $18 $18
Surplus $307 $290 $206 $216
Undivided profits $975 $858 $317 $324
TOTAL LIABLITY AND EQUITY CAPITAL $14,561 $13,354 $5,285 $5,625
INTEREST INCOME
Interest and fees on loans $554 $529 $199 $213
Interest and dividends on securities $134 $144 $69 $79
Interest on federal fund sold $5 $5 $1 $1
TOTAL INTEREST INCOME $693 $678 $269 $293
INTEREST EXPENSE
Interest on deposits $154 $170 $62 $76
Expense of Federal Funds purchased $10 $9 $1 $1
Interest on borrowed money $57 $59 $8 $5
TOTAL INTEREST EXPENSE $221 $238 $71 $82
Net interest income $472 $440 $198 $211
Less provision for loan and lease losses $(26) $(33) $(3) $4
Net interest income after provisions for loan
losses
$446 $407 $195 $215
Noninterest Income $109 $109 $66 $61
Securities (gains or losses) $5 $5 $1 $1
Noninterest Expense $348 $330 $153 $158
Income before income tax and expense $214 $191 $111 $119
Less tax on operating income $(59) $(53) $(37) $(40)
Net extraordinary items and adjustments $- $- $- $-
NET INCOME $155 $138 $74 $79
11
STATE BANK FAILURES
Date of Date Receiver
City Name of Bank Final Receiver Suspension Discharged
Charleston Day and Night Bank Central Trust Co. July 5, 1919 No record
Charleston Peoples Exchange Bank W. M. Adkins August 16, 1933 March 14, 1947
Charleston Security Bank & Trust Co. John H. Hoffman April 19, 1933 May 4, 1944
Charles Town Farmer's Bank & Trust Co. FDIC September 1, 1937 October 18, 1943
Circleville Circleville Bank John H. Hoffman December 29, 1935 December 7, 1943
Clarksburg Clarksburg Trust Co. John H. Hoffman June 7, 1929 May 26, 1945
Clarksburg Farmers Bank of Clarksburg Smith Hood December 13, 1929 August 17, 1943
Clarksburg West Virginia Bank John H. Hoffman January 7, 1934 June 11, 1945
Davy Bank of Davy FNB of Welch December 14, 1927 April 7, 1933
Elm Grove State Bank & Trust Co. John H. Hoffman January 27, 1933 November 20, 1945
Fairmont Citizens Dollar Savings Bank John Henshaw March 7, 1915 October 25, 1944
Farimont Monongahela Bank Smith Hood February 21, 1929 February 10, 1943
Fairview Farmers & Merchants Bank John H. Hoffman August 30, 1933 June 13, 1945
Farmington Bank of Farmington John H. Hoffman October 8, 1931 November 11, 1945
Fayetteville Bank of Fayette John H. Hoffman January 26, 1931 February 14, 1944
Flemington Bank of Flemington John H. Hoffman September 26, 1931 February 10, 1944
Franklin Farmers Bank of Pendelton John H. Hoffman December 20, 1931 December 7, 1943
Franklin The Franklin Bank John H. Hoffman December 19, 1931 December 7, 1943
Gauley Bridge The Bank of Gauley Bridge John H. Hoffman July 13, 1933 February 14, 1944
Gilbert Bank of Gilbert C.B. Early April 3, 1926 January 22, 1940
Grafton Grafton Bank Hugh R. Warder March 29, 1905 No record
Grafton Blueville Bank of Grafton FDIC April 5, 1991 No record
Grafton Merchants & Mechanics Savings Bank John H. Hoffman October 23, 1929 October 3, 1944
Grafton Grafton Bank & Trust Co. John H. Hoffman October 10, 1931 October 3, 1944
Grafton The Taylor County Bank John H. Hoffman August 18, 1933 September 3, 1944
Grantsville People Bank of Grantsville A.G. Mathews July 9, 1924 August 22, 1941
12
Hamlin Farmers & Merchants Bank John H. Hoffman December 16, 1932 September 5, 1944
Harpers Ferry Bank of Harpers Ferry John H. Hoffman June 20, 1933 May 10, 1943
Harrisville Peoples Bank Community Banking & Trust January 21, 1928 April 27, 1946
Harrisville Ritchie County Bank Lester Snodgrass September 17, 1911 No record
Huntington Cabell County Bank O.F. Payne January 10, 1931 February 1, 1944
Huntington Coal Exchange Bank F.O. Lamb September 26, 1928 December 30, 1941
Huntington Huntington Bank & Trust Co. W.M. Adkins April 8, 1933 June 29, 1946
Huntington Metro Bank FDIC September 12, 1980
Huntington Union Bank & Trust Co. W.M. Adkins January 28, 1931 July 27, 1946
Jacksonburg Bank of Jacksonburg Smith Hood June 22, 1929 September 23,1938
Jane Lew Union Bank of Jane Lew Smith Hood September 13, 1931 June 27, 1938
Kermit Kermit State Bank FDIC November 1, 1938 May 23, 1942
Keyser Peoples Bank of Keyser John H. Hoffman April 27, 1922 January 19, 1943
Kingwood Bank of Kingwood John H. Hoffman July 1, 1931 July 29, 1946
Lewisburg Bank of Greenbrier E.L. Morton December 2, 1930 November 25, 1941
Littleton The Exchange Bank B.A. Pyles July 10, 1913 No record
Logan Guyan Valley Bank John H. Hoffman September 13, 1932 May 29, 1943
Lumberport Lumberport Bank John H. Hoffman August 28, 1929 December 2, 1944
Man Merchants & Miners Bank John H. Hoffman August 23, 1933 February 14, 1944
Middlebourne United Bank of Middlebourne John H. Hoffman September 22, 1933 July 17, 1945
Morgantown Bank of Monongahela Valley John H. Hoffman December 31, 1930 March 14, 1946
Morgantown Commercial Bank of Morgantown O.H. Gall December 1, 1929 July 17, 1941
Morgantown Federal Savings & Trust Co. John H. Hoffman March 12, 1931 September 4, 1945
Morgantown Union Bank & Trust Co. John H. Hoffman March 12, 1931 October 4, 1945
Moundsville Mound City Bank John H. Hoffman April 3, 1933 September 9, 1945
Mullens Bank of Mullens Central Trust Co. April 20, 1927 January 15, 1945
Parkersburg Central Bank & Trust Co. F.O. Lamb November 3, 1931 May 26, 1937
Parsons Tucker County Bank FDIC February 3, 1984
Pax Bank of Pax John H. Hoffman September 4, 1931 February 14, 1944
Pennsboro First Citizens Bank John H. Hoffman June 6, 1933 June 25, 1945
Phillippi Peoples Bank of Phillippi John H. Hoffman November 20, 1929 February 26, 1945
13
Pine Grove Bank of Pine Grove M.M. McIntire July 11, 1925 December 3, 1938
Pineville Wyoming County Bank Central Trust Co. November 29, 1928 January 15, 1945
Pt. Pleasant Pt. Pleasant Trust Co. Robert L. Hogg August 21, 1928 No record
Pullman Pullman State Bank Smith Hood September 5, 1929 September 11,1938
Ravenswood Bank of Ravenswood J. T. Sayre June 4, 1915 No record
Richwood Citizens Bank of Richwood John H. Hoffman August 22, 1931 November 27, 1944
Richwood Richwood Banking & Trust Co. John H. Hoffman September 1, 1931 March 19, 1946
Ridgeley Peoples Bank of Ridgeley John H. Hoffman June 4, 1931 November 6, 1943
Rupert Bank of Rupert E. L. Morrison January 23, 1932 December 12, 1939
Shinnston Farmers Bank of Shinnston John H. Hoffman September 14, 1931 May 26, 1945
Smithfield Bank of Smithfield C.B. Highland May 20, 1908 No record
South Charleston Day and Night Bank
Kanawha Banking & Trust
Co. July 21, 1919 February 8, 1930
Spencer Bank of Spencer Thomas P. Ryan March 2, 1912 No record
Sutton Bank of Sutton John H. Hoffman September 1, 1931 December 10, 1943
Tunnelton Tunnelton Bank Smith Hood September 26, 1931 November 6, 1942
Wallace Wallace Bank John H. Hoffman September 14, 1924 February 26, 1943
Wayne Peoples State Bank of Wayne O.F. Payne November 29, 1930 March 15, 1944
Websster Springs Webster County Bank John B. Skidmore August 1, 1907 No record
Weston The Bank of Weston Smith Hood September 26, 1931 November 6, 1942
West Union The Doddridge County Bank John H. Hoffman July 18, 1933 August 26, 1946
Wheeling Central Union Trust Co. O.H. Gall September 8, 1931 No record
Whitesville Bank of Whitesville John H. Hoffman January 28, 1933 April 12, 1943
Williamsburg Baml of Williamsburg E. L. Morrison December 31, 1931 December 3, 1942
Williamson Day and Night Bank Hayes Picklesimer March 8, 1925 January 30, 1935
Williamson Williamson State Bank John H. Hoffman September 30, 1932 January 12, 1944
Winfield Bank of Winfield John H. Hoffman September 13, 1929 November 10, 1943
14
BANKS OPERATING IN WEST VIRGINIA
1st National Community Bank
P. O. Box 796
East Liverpool, Ohio 43920
Phone: (330) 385-9200
Bank of Charles Town
Post Office Box 906
Charles Town, West Virginia 25414
Phone: (304) 725-8431
Bank of Gassaway
700 Elk Street, PO Drawer 40
Gassaway, West Virginia 26624
Phone: (304) 364-5138
Bank of Mingo
PO Box 31
Naugatuck, West Virginia 25685
Phone: (304) 235-6700
Bank of Mount Hope, Inc.
602 Main Street, PO Box 751
Mount Hope, West Virginia 25880
Phone: (304) 877-5551
Bank One, National Association
100 East Broad Street
Columbus, Ohio 43215
Phone: (614) 244-1794
BC Bank, Inc.
107 North Pike St, PO Box 370
Philippi, West Virginia 26416
Phone: (304) 457-3300
Belmont National Bank
980 National Road
Wheeling, West Virginia 26003
Phone: (304) 233-9691
Boone County Bank, Inc.
300 State Street, PO Box 7
Madison, West Virginia 25130
Phone: (304) 369-2407
Branch Banking and Trust Company
200 West Second Street
Winston-Salem, North Carolina 27101
Phone: (336) 733-3088
Bruceton Bank
Post Office Box 205
Bruceton Mills, West Virginia 26525
Phone: (304) 379-2111
Capon Valley Bank
PO Box 119
Wardensville, West Virginia 26851
Phone: (304) 874-3531
Centra Bank, Inc.
PO Box 656, 990 Elmer Prince Drive
Morgantown, West Virginia 26507-0656
Phone: (304) 598-2000
Citizens Bank of Morgantown, Inc.
265 High Street, P.O. Box 735
Morgantown, West Virginia 26505
Phone: (304) 292-8411
Citizens First Bank, Inc.
601 Washington Street
Ravenswood, West Virginia 26164
Phone: (304) 273-1100
Citizens National Bank
PO Box 1519 211-213 Third Street
Elkins, West Virginia 26241
Phone: (304) 636-4095
15
Citizens National Bank of Berkeley Springs
101 S. Washington Street, PO Box 130
Berkeley Springs, West Virginia 25411
Phone: (304) 258-1520
City National Bank of West Virginia
3601 MacCorkle Ave, PO Box 4158
Charleston, West Virginia 25364
Phone: (304) 925-6611
Clay County Bank, Inc.
151 Main St, PO Box 239
Clay, West Virginia 25043
Phone: (304) 587-4221
Community Bank of Parkersburg
631 Juliana Street, PO Box 988
Parkersburg, West Virginia 26102
Phone: (304) 485-7991
Community Trust Bank, National Association
346 North Mayo Trail
Pikeville, Kentucky 41501
Phone: (606) 433-4643
Davis Trust Company
Post Office Box 1429
Elkins, West Virginia 26241-1429
Phone: (304) 636-0991
Farmers & Merchants Bank and Trust
59 West Washington St
Hagerstown, Maryland 21740
Phone: (301) 790-6500
Farmers Bank of West Virginia, a division of
Farmers Bank and Savings Company
211 West Second Street
Pomeroy, Ohio 45769
Phone: (740) 992-2136
Fayette County National Bank
Court Street at Maple Avenue
Fayetteville, West Virginia 25840
Phone: (304) 574-1212
Fifth Third Bank, Ohio Valley
511 North High Street, P. O. Box 910
Hillsboro, Ohio 45133
Phone: (937) 840-5300
First Bank of Charleston, Inc.
201 Pennsylvania Avenue
Charleston, West Virginia 25302
Phone: (304) 340-3000
First Central Bank, Inc.
PO Box 340, 2 South Main Street
Philippi, West Virginia 26416
Phone: (304) 457-3737
First Century Bank, N.A.
500 Federal Street, P. O. Box 1559
Bluefield, West Virginia 24701
Phone: (304) 325-8181
First Citizens Bank & Trust Company
3128 Smoketree Court
Raleigh, North Carolina 27604
Phone: (919) 716-7541
16
First Community Bank, National Association
One Community Place, P. O. Box 989
Bluefield, Virginia 24605-0989
Phone: (276) 326-9000
First Exchange Bank
11 W. Main Street, P. O. Box 388
Mannington, West Virginia 26582
Phone: (304) 986-1700
First National Bank (Ronceverte)
One Cedar Street
Ronceverte, West Virginia 24970
Phone: (304) 647-4500
First National Bank (Spencer)
Market Street Parking Plaza
Spencer, West Virginia 25276
Phone: (304) 927-1750
First National Bank of West Union
PO Box 249, 101 Main Street
West Union, West Virginia 26456
Phone: (304) 873-2401
First Sentry Bank, Inc.
823 Eighth Street, P. O. Box 2107
Huntington, West Virginia 25721
Phone: (304) 522-6400
First United Bank and Trust
19 South Second Street
Oakland, Maryland 21550
Phone: (301) 334-9471
FNB Bank, Inc.
105 North High Street, P.O. Box 1037
Romney, West Virginia 26757
Phone: (304) 822-3519
Freedom Bank, Inc.
Post Office Box 10, 315 Crim Avenue
Belington, West Virginia 26250
Phone: (304) 823-1531
Guaranty Bank & Trust Company
517 Ninth Street, P. O. Box 2708
Huntington, West Virginia 25726-2708
Phone: (304) 529-7900
Jefferson Security Bank
PO Box 35, Princess & Washington Streets
Shepherdstown, West Virginia 25443
Phone: (304) 876-2501
Logan Bank & Trust Company
PO Box 597
Logan, West Virginia 25601
Phone: (304) 752-1166
Main Street Bank Corp.
2001 Main Street, Suite 100
Wheeling, West Virginia 26003-5025
Phone: (304) 232-2001
Manufacturers and Traders Trust Company
One M&T Plaza
Buffalo, New York 14203
Phone: (716) 842-5464
MCNB Bank and Trust Co.
P.O. Box 549 75 Wyoming St
Welch, West Virginia 24801
Phone: (304) 436-4112
Miners and Merchants Bank
13 East Avenue, P O Box 189
Thomas, West Virginia 26292
Phone: (304) 463-4155
17
Mountain Valley Bank, N.A.
317 Davis Avenue
Elkins, West Virginia 26241-1060
Phone: (304) 637-2265
National Bank of Commerce
300 Capitol Street
Charleston, West Virginia 25301
Phone: (304) 340-4404
New Peoples Bank, Inc.
2 Gent Drive, PO Box 1810
Honaker, Virginia 24260
Phone: (276) 873-6288
Northern Hancock Bank & Trust Co.
226 Washington Street
Newell, West Virginia 26050
Phone: (304) 387-9900
Pendleton County Bank
300 N Main Street, PO Box 487
Franklin, West Virginia 26807
Phone: (304) 358-2311
Peoples Bank, National Association
138 Putnam Street, PO Box 738
Marietta, Ohio 45750-0738
Phone: (740) 373-3155
Pioneer Community Bank, Inc.
Center Street, PO Box 368
Iaeger, West Virginia 24844
Phone: (304) 938-5322
Progressive Bank, National Association
PO Box 4075, Warwood Station
Wheeling, West Virginia 26003
Phone: (304) 277-1100
Putnam County Bank
2761 Main Street, PO Box 308
Hurricane, West Virginia 25526
Phone: (304) 562-9931
Rock Branch Community Bank, Inc.
4650 First Avenue
Nitro, West Virginia 25143
Phone: (304) 755-4700
Sky Bank
10 East Main St
Salineville, Ohio 43945
Phone: (330) 679-2311
Summit Community Bank, Inc.
310 North Main Street, PO Box 680
Moorefield, West Virginia 26836
Phone: (304) 538-1000
The Bank of Monroe
39 Main Street, PO Box 219
Union, West Virginia 24983
Phone: (304) 772-3034
The Bank of Romney
Main Street, PO Box 876
Romney, West Virginia 26757
Phone: (304) 822-3541
The Calhoun County Bank, Inc.
372 Main St, PO Box 430
Grantsville, West Virginia 26147
Phone: (304) 354-6116
The Citizens Bank of Weston, Inc.
P. O. Box 310, 201 Main Avenue
Weston, West Virginia 26452
Phone: (304) 269-2862
18
The First National Bank of Peterstown
220 Market Street, PO Box 550
Peterstown, West Virginia 24963
Phone: (304) 753-4321
The First National Bank of St. Marys
401 Second Street, PO Box 180
St. Marys, West Virginia 26170
Phone: (304) 684-2255
The First National Bank of Williamson
68 E 2nd Ave, PO Box 950
Williamson, West Virginia 25661
Phone: (304) 235-5300
The First State Bank
660 Central Ave P. O. Box 295
Barboursville, West Virginia 25504
Phone: (304) 736-5271
The Grant County Bank
P. O. Box 929
Petersburg, West Virginia 26847
Phone: (304) 257-4111
The Harrison County Bank
PO Box 98
Lost Creek, West Virginia 26385
Phone: (304) 745-3342
The Huntington National Bank
41 South High Street
Columbus, Ohio 43287
Phone: (614) 480-3669
The Monongahela Valley Bank, Inc.
301 Virginia Ave.
Fairmont, West Virginia 26554-2777
Phone: (304) 363-4800
The National Bank of Davis
William Avenue, Post Office Box 517
Davis, West Virginia 26260
Phone: (304) 259-5201
The Ohio Valley Bank Company
420 Third Avenue, P.O. Box 240
Gallipolis, Ohio 45631
Phone: (740) 446-2631
The Peoples Bank of Mullens
200 First Street, PO Box 817
Mullens, West Virginia 25882
Phone: (304) 294-7115
The Pleasants County Bank
323 Second Street, PO Box 240
St. Marys, West Virginia 26170
Phone: (304) 684-2227
The Poca Valley Bank, Inc.
7033 Charleston Rd, PO Box 56
Walton, West Virginia 25286
Phone: (304) 577-6611
The Terra Alta Bank
PO Box 65, 1101 East State St.
Terra Alta, West Virginia 26764
Phone: (304) 789-2436
19
The Williamstown National Bank
435 Highland Avenue
Williamstown, West Virginia 26187
Phone: (304) 375-6262
Traders Bank, Inc.
PO Box 1009
Spencer, West Virginia 25276
Phone: (304) 927-3340
Union Bank, Inc.
PO Box 145, Fair & Dodd Streets
Middlebourne, West Virginia 26149
Phone: (304) 758-2191
United Bank, Inc.
514 Market Street
Parkersburg, West Virginia 26101
Phone: (304) 424-8800
Wesbanco Bank, Inc.
One Bank Plaza
Wheeling, West Virginia 26003
Phone: (304) 234-9000
West Union Bank
PO Box 305, 105 East Main St.
West Union, West Virginia 26456
Phone: (304) 873-2361
Whitesville State Bank
38609 Coal River Road, P.O. Box 68
Whitesville, West Virginia 25209
Phone: (304) 854-1271
20
BALANCE SHEET
Total
Loans Land and Other Other TOTAL Total
Acc.
Div./ Accounts
Total
Shares Regular Accumulated Other Undivided
less
ALLL Building
Fixed
Assets Assets ASSETS Borrowings
Int.
Payable Payable
and
Deposits Reserves Unrealized Reserves Earnings
(Since
9/99)
CREDIT UNION
Gains(loss)
Charleston Postal CU
17,881
-
18,114
4,401
3,788,956 -
158 1,957
3,452,991
123,269
5,943
-
204,638
Charleston, WV
Clarksburg Area Postal
CU
14,136
-
5,573
10,237
9,909,946 -
- 7,078
8,839,260
639,050
(3,380)
100,000
327,938
Clarksburg, WV
Local #317 I.A.F.F. CU
70,000
-
6,802
755
4,478,027 -
100,210
-
3,989,038
288,683
-
-
100,096
Charleston, WV
O. Ames Emp. CU
51,033
-
-
-
6,832,736 100,327
300
-
5,802,110
129,211
-
-
800,788
Parkersburg, WV
The State Credit Union
126,657
847,408 274,997
(154,580)
30,521,581 -
66,607 132,609
27,350,176
790,838
-
-
2,181,351
Charleston, WV
Wayne Co. School Emp.
CU
29,606
-
6,377
1,300
2,833,143 -
5,942 2,889
2,535,381
236,056
-
8,988
43,887
Huntington, WV
WV Baptist State
Convention CU
2,700
-
-
-
208,544 -
-
-
191,368
12,504
-
1,876
2,796
Hilltop, WV
WV Central CU
260,804
2,504,839 528,350
272,488
48,046,828 -
34,445 69,067
43,263,479
1,640,205
-
-
3,039,632
Parkersburg, WV
TOTALS
572,817
3,352,247 840,213
134,601
4,899,878 100,327
207,662 213,600
95,423,803
3,859,816
2,563
110,864
6,701,126
21
CREDIT UNION
Charleston
Postal
Employees
Clarksburg
Area Postal
Employees
Local 317
IAFF
O. Ames
Employees The State
Wayne
County
School
Employees
WV State
Baptist
Convention WV Central TOTALS
INCOME STATEMENT
INCOME
Interest on Loans
160,088
357,846
178,447
59,960
1,390,006
108,994
1,531
2,549,083
4,805,955
Less interest refunded
-
-
-
-
-
-
-
-
-
Income from investments
30,082
182,193
75,942
220,352
269,560
22,637
830
149,570
951,166
Fee income
52,897
18,242
-
-
208,858
4,119
-
584,569
868,685
Other operating income
1,839
6,209
830
-
89,988
1,837
284
122,080
223,067
Total Gross
Income
$
244,906
$
564,490
$
255,219
$
280,312
$
1,958,412
$
137,587
$
2,645
$
3,405,302
$
6,848,873
-
EXPENSES
-
Employee comp and benefits
104,606
139,717
9,000
31,200
592,124
29,430
-
901,743
1,807,820
Travel and conference expenses
-
9,674
1,237
-
35,880
1,302
-
45,034
93,127
Office occupancy expense
-
-
-
-
84,379
-
-
118,555
202,934
Office operations expense
26,677
39,792
23,863
10,524
195,708
31,341
1,230
635,166
964,301
Educational and promotion expenses
-
200
-
-
58,118
1,810
-
50,662
110,790
Loan servicing expense
777
5,082
304
608
33,883
1,826
-
113,865
156,345
Professional and outside services
1,624
20,897
-
3,517
311,376
-
-
77,997
415,411
Provision for loan losses
4,900
-
-
5,000
16,300
-
-
224,000
250,200
Member insurance
-
29,115
12,628
4,322
-
5,438
27
28,256
79,786
Operating fees
1,699
6,504
2,781
2,473
5,900
1,261
300
6,230
27,148
Misc. operating expenses
43,551
51,612
499
7,561
1,289
6,045
461
21,352
132,370
Total Operating
Exp
$
183,834
$
302,593
$
50,312
$
65,205
$
1,334,957
$
78,453
$
2,018
$
2,222,860
$
4,240,232
-
Income(Loss) from Operations
$
2,608,641
22
Non-operating Gains or Losses
Gain (Loss) on investments
-
-
-
-
-
-
-
-
-
Gain (Loss) on Disposition of FA
-
-
-
-
(8,478)
-
-
-
(8,478)
Other non-operating income
-
4,686
-
30
-
-
212
-
4,928
Total Inc. or Loss 0
$
4,686
$
-
$
30
$
(8,478)
$
-
$
212
$
-
$
(3,550)
Before COF
-
-
Interest on borrowed money
-
128
-
589
138
-
-
232
1,087
Dividends on shares
51,640
166,140
183,342
184,708
332,736
33,295
-
782,210
1,734,071
Interest on deposits
-
29
-
-
-
-
-
-
29
Adjusted net income
(51,640)
(161,611)
(183,342)
(185,267)
(341,352)
(33,295)
212
(782,442)
(1,738,737)
23
WV Corporate Credit Union 2004 Annual Totals
Statement of Financial Condition
Liabilities $ 30,361,033
Shares $217,477,948
Equity $ 7,772,642
Total Assets
$255,611,623
Income Statement
Total Interest Income $ 5,172,554
Total Dividend & Interest Expense $ 4,083,501
Net Interest Income $ 1,089,053
Total Non-Interest Income $ 314,522
Total Non-Interest Expense $ 917,133
Net Income
$ 486,442
24
Official Notification
December 1, 2004
FLOATING USURY CEILINGS
Pursuant to the provisions of Chapter 47-6-5b(c) of the West Virginia Code, the Commissioner of
Banking has ordered the maximum rate of interest for any non-pre-computed loan of money under the
provisions of the aforesaid statute and secured by a mortgage or deed of trust upon real property is as
follows for such loans made during the calendar months indicated. The rate is calculated by adding 1.5%
per annum to the monthly index of long-term US Government bond yields and then rounding off to the
nearest quarter of one percent.
January 1, 2003 6.50% per year
February 1, 2003 6.50% per year
March 1, 2003 6.25% per year
April 1, 2003 6.50% per year
May 1, 2003 6.25% per year
June 1, 2003 5.75% per year
July 1, 2003 6.00% per year
August 1, 2003 7.00% per year
September 1, 2003 6.75% per year
October 1, 2003 6.50% per year
November 1, 2003 6.75% per year
December 1, 2003 6.50% per year
January 1, 2004 6.50% per year
February 1, 2004 6.50% per year
March 1, 2004 6.50% per year
April 1, 2004 6.25% per year
May 1, 2004 6.75% per year
June 1, 2004 6.75% per year
July 1, 2004 6.75% per year
August 1, 2004 6.75% per year
September 1, 2004 6.50% per year
October 1, 2004 6.50% per year
November 1, 2004 6.25% per year
December 1, 2004 6.50% per year
Formula based on 20-year maturities only.
25
REGULATED CONSUMER LENDER OFFICES
WV CODE CHAPTER §46A, ARTICLE 4
American General Home Equity, Inc.
Main 3605 Murdoch Avenue Parkersburg, WV 26101-1026
Branch 1271 Stafford Drive Princeton, WV 24740-2465
Branch 309 Beckley Crossing Beckley, WV 25801-2215
Branch 144 N. State Route 2 New Martinsville, WV 26155-
Branch 905 Cross Lanes Drive Cross Lanes, WV 25313-
Branch 4341 State Rt. 60 East Huntington, WV 25701-
Branch 827 Fairmont Road, Suite 101, P. O. Box 2035 Westover, WV 26502-2035
Branch 518 N. Jefferson Street Lewisburg, WV 24901-8981
Branch 105 LB&T Way Logan, WV 25601-3485
Branch 740 Fairmont Avenue Fairmont, WV 26554-5135
Branch 134 Emily Drive Clarksburg, WV 26301-
Branch 310 Hills Plaza, P. O. Box 20503 Charleston, WV 25362-1503
Branch 613 Fayette Square Oak Hill, WV 25901-
Branch 281 Aikens Center Martinsburg, WV 25402-6203
Branch 95 West Main Buckhannon, WV 26201-
Branch 1106 Fledderjohn Road SPC P Charleston, WV 25314-4204
Branch 324 1/2 Penco Road, P. O. Box 2177 Weirton, WV 26062-1377
Beckley Loan Company
Main 622 Neville Street, P.O. Box 1146 Beckley, WV 25801-
Beneficial West Virginia, Inc.
Main 2390 Mountaineer Boulevard, Route 119, Southridge Center Charleston, WV 25309-
Branch 1505 MacCorkle Avenue SW St. Albans, WV 25177-1835
Branch 2803 Murdoch Avenue Parkersburg, WV 26101-
Branch 3000 Easton Hill Road, North Point Plaza, Suite 11 Morgantown, WV 26505-5412
Branch 6014 US Route 60 East Huntington, WV 25701-
Branch Simpson Square, 103 Steele Street Bridgeport, WV 26330-
Branch 1260 N. Eisenhower Drive, Cranberry Creek Plaza Beckley, WV 25801-
Branch 724 Foxcroft Avenue, North Mall Plaza Martinsburg, WV 25401-
Branch Suite 83, Bridge Street Plaza Wheeling, WV 26003-
Budget Finance Company
Main 251 Riverview Lane, P.O. Box 56 New Martinsville, WV 26155-
CitiFinancial, Inc.
Main 43 RHL Boulevard South Charleston, WV 25309-
Branch 6349 Route 60 East Barboursville, WV 25504-
Branch 405 Beckley Crossing Beckley, WV 25801-
Branch 63A Water Street Logan, WV 25601-
Branch 320 Wilson Street Martinsburg, WV 25401-
Branch 522 Emily Drive Clarksburg, WV 26301-5507
Branch 605 Fayette Square Shopping Center, Suite C Oak Hill, WV 25901-
Branch 1857 Route 21 South Ripley, WV 25271-
Branch 304 Southridge Boulevard South Charleston, WV 25309-
26
REGULATED CONSUMER LENDER OFFICES
WV CODE CHAPTER 46A, ARTICLE 4
Branch 3136 Robert Byrd Drive Beckley, WV 25802-
Branch 201 W. Main Street Clarksburg, WV 26301-
Branch 1704-C Mileground Road Morgantown, WV 26505-
Branch 540 N. Jefferson Street Lewisburg, WV 24901-
Branch 1911 7th Street Parkersburg, WV 26101-
Branch 2200 Grand Central Avenue Vienna, WV 26105-
Branch 1819 Jefferson Sreet (Jeffers) Bluefield, WV 24701-
Branch 753 Valley Pointe Shopping Center Elkins, WV 26241-
Branch Route 220 South, Suite 100 Keyser, WV 26726-
Branch 1253 Stafford Drive Princeton, WV 24740-
Branch 2589 Fairmont Avenue, Suite B Fairmont, WV 26554-
Branch 220 Virginia Street West Charleston, WV 25302-
Branch 4341 Route 60 Huntington, WV 25705-
Branch 1021 National Road, #1 Wheeling, WV 26003-
Branch 1349 Edwin Miller Blvd. Martinsburg, WV 25401
Branch 4144 State Route 34, Unit 9 Hurricane, WV 25526-
Nicholas Loan & Mortgage, Inc.
Main 1022 Wal-Street Summersville, WV 26651-
OakFirst Loan Center, Inc.
Main 77 Monroe Street, Berkeley Plaza Martinsburg, WV 25401-
Peoples Loan Company of Bluefield
Main 130 Princeton Ave., P. O. Box 4235 Bluefield, WV 24701-
Peoples Loan Company of Princeton
Main 906 Mercer Street, P. O. Box 528 Princeton, WV 24740-
Wells Fargo Financial West Virginia, Inc.
Main 6532 Mall Road Morgantown, WV 26501
Branch 1221 Johnson Avenue, Suite 900 Bridgeport, WV 26330-
Branch 1224 Country Club Road, Suite A Fairmont, WV 26554-
Branch 3020 Champion Drive Barboursville, WV 25504-
Branch 1100 9th Street, H Vienna, WV 26105-
Branch 301 R.H.L.Boulevard Charleston, WV 25314-
Branch 1295 Edwin Miller Boulevard Martinsburg, WV 25401-
27
WEST VIRGINIA REGULATED CONSUMER LENDERS
as of December 31, 2004
12-31-04 TOTALS
12-31-03 TOTALS
Number of Offices 66
65
ASSETS
Cash
$1,172,110 $376,732
Due from Depository Institutions
525,858 532,192
Loans:
Secured by real estate 584,004,445 515,531,007
Secured by other collateral 147,079,963 171,743,316
Loans unsecured 151,635,917 121,310,318
Installment sales contracts
purchased
50,130,348 43,992,580
Less income collected but
not earned (77,872,088) (89,787,061)
Total Loans
854,978,585 762,790,160
Less reserve for loan losses
(29,144,449)
(27,382,198)
Net Loans
825,834,136 735,407,962
Total Investments
5,177,970 5,024,763
Total Fixed Assets
1,115,506 984,552
Other Assets
42,761,936 24,037,277
TOTAL ASSETS 876,587,516 766,363,478
LIABILITIES AND
CAPITAL
Due to parent or other
affiliate 769,342,985 683,560,038
Other Borrowings or
rediscounts 6,364,046 5,559,116
Other Liabilities 8,937,820 15,524,208
Total Liabilities 784,644,851 704,643,362
Total Capital 91,942,665 61,720,116
Total Liabilities and
Capital 876,587,516 766,363,478
28
Licensed Mortgage Brokers As Of December 31, 2004
1st Choice Mortgage Corporation Little Hocking, OH
A.A. Financial & Mortgage, Inc. Herndon, VA
Absolute Mortgage Solutions, Inc. Hagerstown, MD
Advanced Mortgage Services Stephens City, VA
Advantage One Home Mortgage, LLC Oak Hill, WV
AdVisa Mortgage Corporation Harrisonburg, VA
Alcova Mortgage, LLC Blacksburg, VA
ALE Limited Chesapeake, OH
All-In-One Mortgages, LLC Charleston, WV
Allied Home Mortgage Capital Corporation Houston, TX
Ambassador Mortgage, Inc. Winchester, VA
America's First Home Mortgage Company, Inc. Frederick, MD
American Discount Mortgage Company McConnellsburg, PA
American Equity Mortgage, Inc. St. Louis, MO
American Home Mortgage Corp. Melville, NY
American Home Mortgage Servicing, Inc. Melville, NY
American Mortgage & Financial Services, Incorporated Oakland, MD
American Union Mortgage, LLC Pittsburgh, PA
AmeriFirst Funding, LLC Charles Town, WV
Amerifirst Home Improvement Finance Co. Calverton, MD
Amerisave Mortgage Corporation Atlanta, GA
Ameritrust Home Mortgage, LP Martinsburg, WV
Apple Valley Mortgage LLC Winchester, VA
Atlantic Bay Mortgage Group, LLC Virginia Beach, VA
Aurora Loan Services Inc. Aurora, CO
B & B Enterprises Inwood, WV
Bay Capital Corp. Owings Mills, MD
Benton Financiers, Inc. Morgantown, WV
Best Financial Services, Inc. Steubenville, OH
BMIC Mortgage, Inc. Rockville, MD
Bravo Credit Corporation Irvine, CA
Brian Taylor Inc. Buckhannon, WV
Brinsfield Mortgage Group, LLC Cumberland, MD
BrookStone Mortgage Company, Inc. Columbus, OH
Buckeye Mortgage Company of West Virginia, LLC Wheeling, WV
Camryndale Investments, Inc. Morgantown, WV
Capital Mortgage Finance Corp. Columbia, MD
Capital Mortgage Firm, Inc. St. Clairsville, OH
Capital Mortgage Services, Inc. Mineral Wells, WV
Carteret Mortgage Corporation Centreville, VA
Casa Blanca Mortgage, Inc. Woodland Hills, CA
Catoctin Mortgage, LLC Leesburg, VA
CBSK Financial Group, Inc. Santa Ana, CA
Cendant Mortgage Corporation Mt. Laurel, NJ
Chesapeake Mortgage Consultants, Inc. Laurel, MD
Clark West Agency, Inc. Oak Hill, WV
Coast to Coast Home Equity Corp. West Middlesex, PA
29
Community Home Mortgage, LLC Manassas, VA
Consumer Disclosure, Inc. Fishers, IN
Continental Mortgage Weirton, WV
Continental Mortgage and Investment Corporation Arlington, VA
Cornerstone First Financial, LLC Washington, DC
Cross Country Mortgage Group, Inc. Parkersburg, WV
CTX Mortgage Company, LLC Dallas, TX
Dana Capital Group, Inc. Laguna Woods, CA
Davis Agency Morgantown, WV
DCG Home Loans, Inc. Laguna Hills, CA
Debra D. Kohler Insurance Agency Gassaway, WV
Directsource Funding, Inc. Harpers Ferry, WV
Don Miller Insurance Agency, Inc. Parkersburg, WV
Doug Gray Insurance Clarksburg, WV
DSC Services, Inc. Portersville, PA
E-Loan, Inc. Pleasanton, CA
East West Mortgage Company, Inc. McLean, VA
Eastern Ohio Mortgage, LLC St. Clairsville, OH
ECC Capital Corporation Irvine, CA
Emmco, LLC Lexington, SC
Empire Equity Group, Inc. Montvale, NJ
Encore Credit Corp. Irvine, CA
Equity South Mortgage, LLC Brooklyn, NY
Express Mortgage Financial Services, P.C. Hyndman, PA
Express Mortgage, LLC Cross Lanes, WV
Fairfax Mortgage Investments, Inc. Fairfax, VA
Fairmont Housing Authority Fairmont, WV
FCB Mortgage, LLC Frederick, MD
Federal Funding Mortgage Corporation Vienna, VA
Federated Home Mortgage, Inc. Alpharetta, GA
Fidelity Mortgage of Kentucky, Inc. Lexington, KY
Fieldstone Mortgage Company Columbia, MD
Finance America, LLC Irvine, CA
First Braddock Mortgage Corporation Cumberland, MD
First Central Mortgage Company, Inc. Hampstead, MD
First Choice Lending, Inc. Bluefield, WV
First Dominion Mortgage Corporation Ashland, VA
First Guaranty Mortgage Corporation Winchester, VA
First Home Mortgage Corporation Baltimore, MD
First Magnus Financial Corporation Tucson, AZ
First Mortgage & Financial Services of Western Maryland, Inc. LaVale, MD
First Mortgage Company, Inc. Elkins, WV
First National Mortgage Banc, Inc. Dayton, OH
Freedom Mortgage Corporation Mt. Laurel, NJ
FreedomPoint Financial Corporation Columbia, MD
30
G & P, Inc. Chapmanville, WV
General Mortgage Services, Inc. Lexington, SC
Genisys Financial Corp. San Diego, CA
Global Equity Lending, Inc. Suwanee, GA
Global Home Loans & Finance, Inc. Melville, NY
Gloria Jane Young Berkeley Springs, WV
GMAC Mortgage Corporation Horsham, PA
Good Neighbor Mortgage, Inc. Washington, WV
Great Lakes Financial Corporation Ambridge, PA
Greenfield Mortgage, Inc. Morristown, NJ
Greentree Mortgage Corporation Owings Mills, MD
Guaranteed Home Mortgage Company, Inc. White Plains, NY
Hansford Insurance Agency Inc. Parsons, WV
Harbor Home Lending Moorefield, WV
Heritage Home Funding Corp. Winchester, VA
Home Consultants, Inc. Lake Ariel, PA
Home Loan Center, Inc. Irvine, CA
Home Mortgages, Inc. Hurricane, WV
HomeFirst Mortgage Corp. Alexandria, VA
Homeloan USA Corporation Plano, TX
HomeOne Credit Corp. Houston, TX
Homeownership Center, Incorporated Elkins, WV
Housing Authority of Mingo County Williamson, WV
Infinity Home Mortgages, LLC Charleston, WV
Irwin Mortgage Corporation Fishers, IN
J. Michael Mortgage Corporation Wheeling, WV
Judith Bookman & Associates, Inc. Buckhannon, WV
Judy Scott Preferred Mortgage Company, LLC South Charleston, WV
Just Right Mortgage, Inc. Spencer, WV
K. Hovnanian American Mortgage, L.L.C. W. Palm Beach, FL
LenderLive Network, Inc. Glendale, CO
Lending Mortgage Services, Inc. Martinsburg, WV
Lending Tree, Inc. Charlotte, NC
Lincoln Mortgage, LLC Winchester, VA
LowerMyBills, Inc. Santa Monica, CA
Major Savings, Inc. Wheeling, WV
MBA Financial Services, Inc. Bel Air, MD
MBS Mortgage Company, LLC Grand Rapids, MI
Melisscon, Inc. Ashland, KY
MetAmerica Mortgage Bankers, Inc. Virginia Beach, VA
Metrocities Mortgage, LLC Sherman Oaks, CA
Mid-States Financial Group, Inc. Martinsburg, WV
Middletown Home Sales, Inc. Fairmont, WV
Millennium Financial Group, Inc. Frederick, MD
Morgan Stanley DW, Inc. Charleston, WV
Mortgage & Equity Funding Corporation Leesburg, VA
31
Mortgage Concepts, Inc. Fairfax, VA
Mortgage Connection, Inc. Huntington, WV
Mortgage Financing.com Martinsburg, WV
Mortgage Net, Inc. Charleston, WV
Mortgage One Corporation White Sulphur Springs, WV
Mortgage Strategies Group, LLC Boca Raton, FL
MortgageIt, Inc. New York, NY
Mountain State Lending Associates, Inc. Weirton, WV
Myers National Mortgage Company, Inc. Overland Park, KS
National City Mortgage Frederick, MD
National Future Mortgage, Inc. Gibbsboro,, NJ
National Home Mortgage Services, Inc. Parkersburg, WV
Nations Home Funding, Inc. Reston, VA
Nationwide Advantage Mortgage West Des Moines, IA
Navigator Financial Services, Inc. Severna Park, MD
New Century Mortgage Corporation Irvine, CA
New Logic Mortgage, LLC Baltimore, MD
Nexstar Financial Corporation Creve Coeur, MO
Noble & Noble Financial Associates, Inc. Front Royal, VA
NovaStar Home Mortgage, Inc. Kansas City, MO
NovaStar Mortgage, Inc. Kansas City, MO
NVR Mortgage Finance, Inc. Canonsburg, PA
Oak Tree Mortgage Services, Inc. Williamsport, MD
OakCrest Mortgage, L.L.C. Winchester, VA
Olympia Funding, Inc. Pleasanton, CA
Olympia Mortgage Group, Inc. Vienna, VA
Optimal Financial Services Charleston, WV
Pamela Elaine Johnson Tustin, CA
Parrack Insurance Agency LLC Elkins, WV
Passero & Wilson, Inc. Nitro, WV
Peoples Mortgage Group, LLC Huntington, WV
Peoples Trust Mortgage, LLC Fredericksburg, VA
Pinnacle Financial Corporation Orlando, FL
Pioneer Home Equity Corporation Sharpsville, PA
Pioneer Mortgage Group, LLC Bluefield, WV
Potomac Lending LLC Ashburn, VA
Preferred Credit, Inc. Hurricane, WV
Prime Mortgage Financial, Inc. Southborough, MA
Primerica Financial Services Home Mortgage, Inc. Duluth, GA
Profolio Home Mortgage Corp. Houston, TX
RBC Mortgage Company Chicago, IL
Residential Mortgage Group, Inc. Winchester, VA
Revolutionary Mortgage Company Frederick, MD
Richard Tocado Companies Charlotte, NC
Riley Home Mortgage Corporation Springfield, VA
Riverfront Mortgages Incorporated Wellsburg, WV
Rivertown Mortgage Service, LLC Belpre, OH
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Saber Mortgage Toronto, OH
Safe Housing and Economic Development, Inc. Kimball, WV
Security One Mortgage, Inc. Keareysville, WV
Severn Mortgage Corporation Leesburg, VA
Silver State Financial Services, Inc. Henderson, NV
Skyline Mortgage Group, LC Reston, VA
SLM Financial Corporation Voorhees, NJ
Solomon Homes, Inc. Morgantown, WV
Solution One Mortgage, LLC South Charleston, WV
Southern Trust Mortgage, LLC Norfolk, VA
Southland Log Homes Mortgage Company, LLC Irmo, SC
Steel Valley Mortgage Company Steubenville, OH
Suburban Mortgage Corp. Big Otter, WV
Success Mortgage, LLC Winchester, VA
Sunset Mortgage Company, LP Chadds Ford, PA
Sunshine Mortgage Corporation Smyrna, GA
Sweitzer, Simson & Associates, Inc. Oakland, MD
Terry Pennington Agency, Inc. Beckley, WV
The Mortgage Center of Virginia Winchester, VA
The Mortgage Group, Inc. Fairfax, VA
The Mortgage Place, LLC Wheeling, WV
The Mortgage Store Financial, Inc. Los Angeles, CA
The New York Mortgage Company, LLC New York, NY
Trinity, Inc. Wheeling, WV
Trio Limited Columbus, OH
Turnstone Mortgage Company Exton, PA
U.S. Window Finance Corporation, Inc. Royal, AR
U.S.A. Financial Services, Inc. Fairfax, VA
Universal American Mortgage Company, LLC Clearwater, FL
UST Mortgage Company Jacksonville, FL
Valley Broker Services, Inc. Harrisonburg, VA
Victory Mortgage, Inc. Washington, PA
Vintage Mortgage, LLC Morgantown, WV
W.R. Clouse & Associates Mortgage Company Indianapolis, IN
Washington Financial Mortgage Services Corp. Morgantown, WV
West Virginia Five Star Mortgage Corporation Charleston, WV
West Virginia Mortgage Store Corporation Daniels, WV
Wharton Mortgage, Inc. Huntington, WV
Wilmington Finance, Inc. Plymouth Meeting, PA
Winterwood Mortgage Group, LLC Greenwood, IN
WV Capitol Mortgage, Inc. South Charleston, WV
Yorktown Funding, Inc. Camp Hill, PA
33
Licensed Mortgage Lenders As Of December 31, 2004
1st American Mortgage, Inc. Vienna, VA
A. Anderson Scott Mortgage Group, Inc. Rockville, MD
Aames Capital Corporation Los Angeles, CA
Aames Funding Corporation Los Angeles, CA
Aames Investment Corporation Los Angeles, CA
Academy Mortgage Corporation Salt Lake City, UT
Accredited Home Lenders, Inc. San Diego, CA
Acoustic Home Loans, LLC Orange, CA
Advanced Financial Services, Inc. Newport, RI
Aegis Correspondent Corporation Houston, TX
Aegis Funding Corporation Mesa, AZ
Aegis Lending Corporation Baton Rouge, LA
Aegis Mortgage Corporation Houston, TX
Aegis Wholesale Corporation Monroeville, PA
Alegis Group, LP Greenville, SC
Allied Home Mortgage Capital Corporation Houston, TX
America's Choice Mortgage, Inc. Martinez, GA
America's First Home Mortgage Company, Inc. Frederick, MD
America's Money Line Glen Allen, VA
American Business Mortgage Services, Inc. Philadelphia, PA
American Equity Mortgage, Inc. St. Louis, MO
American General Financial Services, Inc., DE Corp. Evansville, IN
American General Financial Services, Inc., Ohio Corp. Evansville, IN
American Home Mortgage Acceptance, Inc. Melville, NY
American Home Mortgage Corp. Melville, NY
American Home Mortgage Servicing, Inc. Columbia, MD
American Mortgage Network, Inc. San Diego, CA
Amerifirst Home Improvement Finance Co. Calverton, MD
Amerisave Mortgage Corporation Atlanta, GA
AmeriSouth Mortgage Company Charlotte, NC
AmPro Mortgage Corporation Phoenix, AZ
Aurora Loan Services Inc. Aurora, CO
Barclays Bank PLC New York, NY
Bay Capital Corp. Owings Mills, MD
Bayview Loan Servicing, LLC Coral Gables, FL
Bear Stearns Mortgage Capital Corporation New York, NY
Benchmark Mortgage, Inc. Richmond, VA
Best Financial Services, Inc. Steubenville, OH
Bravo Credit Corporation Irvine, CA
Briner, Incorporated Middleburg, VA
Calusa Investments, LLC Herndon, VA
Capital Mortgage Finance Corp. Columbia, MD
Cardinal Financial Company, Limited Partnership Warminster, PA
Carteret Mortgage Corporation Centreville, VA
34
Casa Blanca Mortgage, Inc. Woodland Hills, CA
Cendant Mortgage Corporation Mt. Laurel, NJ
Centex Home Equity Company, LLC Dallas, TX
CGB AGRI Financial Services, Inc. Louisville, KY
Challenge Financial Investors Corporation Largo, FL
Chapel Mortgage Corporation Rancocas, NJ
CIT Group/Consumer Finance, Inc. Livingston, NJ
CIT Group/Sales Financing, Inc. Livingston, NJ
Countrywide Home Loans Servicing, LP Plano, TX
Countrywide Home Loans, Inc. Calabasas, CA
Countrywide Mortgage Ventures, LLC Calabasas, CA
Credit Suisse First Boston Financial Corporation Princeton, NJ
Credit Suisse First Boston Mortgage Capital, LLC New York, NY
Credit-Based Asset Servicing and Securitization LLC New York, NY
Crescent Mortgage Company Atlanta, GA
Crescent Mortgage Services, Inc. Atlanta, GA
CreveCor Mortgage, Inc. Brentwood, MO
CTX Mortgage Company, LLC Dallas, TX
CUNA Mutual Mortgage Corporation Madison, WI
D & M Financial Corp. Belleville, NJ
Dana Capital Group, Inc. Laguna Woods, CA
DB Structured Products, Inc. New York, NY
Decision One Mortgage Company, LLC Charlotte, NC
Delta Funding Corporation Woodbury, NY
DLJ Mortgage Capital, Inc. New York, NY
Dollar Mortgage Corporation La Mesa, CA
Dovenmuehle Mortgage, Inc. Schaumburg, IL
Dream House Mortgage Corporation Providence, RI
Dreamhome Community Development Corporation Grantsville, WV
DSC Services, Inc. Portersville, PA
E-Loan, Inc. Pleasanton, CA
ECC Capital Corporation Irvine, CA
eHome Credit Corp. Carle Place, NY
Emax Financial Group L.L.C. St. Croix US, VI
EMC Residential Mortgage Corporation Irving, TX
Emmco, LLC Lexington, SC
Encore Credit Corp. Irvine, CA
Express Capital Lending Newport Beach, CA
Federal Funding Mortgage Corporation Vienna, VA
Federation of Appalachian Housing Enterprises, Inc. Berea, KY
Fidelity Home Mortgage Corporation Baltimore, MD
Fieldstone Investment Corporation Columbia, MD
Fieldstone Mortgage Company Columbia, MD
Finance America, LLC Irvine, CA
First Consolidated Mortgage Company Dallas, TX
First Guaranty Mortgage Corporation McLean, VA
35
First Home Mortgage Corporation Baltimore, MD
First Magnus Financial Corporation Tucson, AZ
First National Mortgage Banc, Inc. Dayton, OH
Flick Mortgage Investors, Inc. Miami, FL
Franklin American Mortgage Company Franklin, TN
Freedom Mortgage Corporation Mt. Laurel, NJ
Full Spectrum Lending, Inc. Pasadena, CA
GE HF Holdings, Inc. St. Paul, MN
GE Mortgage Services, LLC Raleigh, NC
Genisys Financial Corp. San Diego, CA
Global Equity Lending, Inc. Suwanee, GA
Global Home Loans & Finance Inc. Melville, NY
GMAC Mortgage Corporation Horsham, PA
Green Tree Servicing LLC St. Paul, MN
Greenfield Mortgage, Inc. Morristown, NJ
Greenlight Financial Services, Inc. Irvine, CA
Greentree Mortgage Corporation Owings Mills, MD
GRP Loan, LLC White Plains, NY
Guaranteed Home Mortgage Company, Inc. White Plains, NY
H & R Block Mortgage Corporation Lake Forest, CA
Harbourton Mortgage Investment Corporation Santa Rosa, CA
Harwood St. Funding I, LLC Dallas, TX
Harwood St. Funding II, LLC Dallas, TX
HDMF II, LLC Edison, NJ
HDMF-I, LLC Edison, NJ
Home Consultants, Inc. Lake Ariel, PA
Home Loan Center, Inc. Irvine, CA
Home Loan Corporation Houston, TX
Home123 Corporation Irvine, CA
HomeAmerican Credit, Inc. Philadelphia, PA
HomeAmerican Mortgage Corporation Fairfax, VA
HomeComings Financial Network, Inc. Minneapolis, MN
Homeloan USA Corporation Plano, TX
HomeOne Credit Corp. Houston, TX
Housing Authority of Mingo County Williamson, WV
Howard Hanna Financial Services, Inc. Pittsburgh, PA
Impac Funding Corporation Newport Beach, CA
InterBay Funding, LLC Coral Gables, FL
J.A.M. Consultants, Inc. Alexandria, IN
J.P. Morgan Mortgage Acquisition Corp. New York, NY
JLM Direct Funding, Ltd. Houston, TX
K. Hovnanian American Mortgage, L.L.C. W. Palm Beach, FL
Litton Loan Servicing, LP Houston, TX
LoanCare Servicing Center, Inc. Norfolk, VA
LoanCity.com San Jose, CA
Long Beach Mortgage Company Anaheim, CA
Mason Dixon Funding, Inc. Rockville, MD
Merit Financial, Inc. Kirkland, WA
36
Merrill Lynch Mortgage Lending, Inc. Minneapolis, MN
Metrocities Mortgage, LLC Sherman Oaks, CA
Michigan Fidelity Acceptance Corporation Southfield, MI
Mid-States Financial Group, Inc. Martinsburg, WV
Midland Mortgage Company Oklahoma City, OK
Mila, Inc. Mountlake Terrace, WA
Molton, Allen & Williams Mortgage Company, LLC Fairfax, VA
MorEquity, Inc. Evansville, IN
Morgan Stanley Dean Witter Credit Corporation Riverwoods, IL
Morgan Stanley Mortgage Capital, Inc. New York, NY
Mortgage & Equity Funding Corporation Leesburg, VA
Mortgage Access Corp. Morris Plains, NJ
Mortgage Investors Corporation St. Petersburg, FL
Mortgage South, Inc. Richmond, VA
Mortgageclose.Com, Inc. Orange, CA
MortgageIt, Inc. New York, NY
National Future Mortgage, Inc. Gibbsboro,, NJ
Nations Home Funding, Inc. Reston, VA
Nationwide Advantage Mortgage Company West Des Moines, IA
New Century Credit Corporation Irvine, CA
New Century Mortgage Corporation Irvine, CA
Nexstar Financial Corporation St. Charles, MO
Nomura Credit and Capital, Inc. New York, NY
NovaStar Home Mortgage, Inc. Kansas City, MO
NovaStar Mortgage, Inc. Kansas City, MO
Novelle Financial Services, Inc. Newport Beach, CA
NVR Mortgage Finance, Inc. Canonsburg, PA
Ocwen Loan Servicing, LLC West Palm Beach, FL
Olympia Funding, Inc. Pleasanton, CA
Olympia Mortgage Group, Inc. Vienna, VA
Opteum Financial Services, LLC. Paramus, NJ
Option One Mortgage Corporation Irvine, CA
Origen Financial, LLC Southfield, MI
Pinnacle Financial Corporation Orlando, FL
Pinnacle Mortgage Group, Inc. Lakewood, CO
Platinum Capital Group, Inc. Irvine, CA
Prime Mortgage Financial, Inc. Southborough, MA
Provident Funding Group, Inc. Burlingame, CA
Quicken Loans, Inc. Livonia, MI
RBC Mortgage Company Chicago, IL
Residential Funding Corporation Minneapolis, MN
Residential Mortgage Solution LLC Santa Monica, CA
Revolutionary Mortgage Company Frederick, MD
Saxon Funding Management, Inc. Glen Allen, VA
Saxon Mortgage, Inc. Glen Allen, VA
Schmidt Mortgage Company Rocky River, OH
37
Select Portfolio Servicing, Inc. Salt Lake City, UT
Shore Financial Services, Inc. Birmingham, MI
Silver State Financial Services, Inc. Henderson, NV
Sirva Mortgage, Inc. Mayfield Heights, OH
SLM Financial Corporation Voorhees, NJ
Southern Trust Mortgage, LLC Norfolk, VA
SouthStar Funding, LLC Atlanta, GA
Specialized Loan Servicing LLC Highlands Ranch, CO
Suburban Mortgage Corp. Big Otter, WV
Sunset Financial Resources, Inc. Jacksonville, FL
Sunset Mortgage Company, LP Chadds Ford, PA
Sunshine Mortgage Corporation Smyrna, GA
Tammac Corporation Wilkes-Barre, PA
Taylor, Bean & Whitaker Mortgage Corp. Ocala, FL
TCIF, LLC Armonk, NY
Terwin Advisors, LLC New York, NY
The Mortgage Group, Inc. Fairfax, VA
The Mortgage Store Financial, Inc. Los Angeles, CA
The New York Mortgage Company, LLC New York, NY
Thornburg Mortgage Home Loans, Inc. Santa Fe, NM
Transland Financial Services, Inc. Maitland, FL
Triad Financial Services, Inc. Jacksonville, FL
TriBeCa Lending Corporation New York, NY
U.S.A. Financial Services, Inc. Fairfax, VA
UBS Real Estate Securities Inc. New York, NY
Universal American Mortgage Company, LLC Clearwater, FL
UST Mortgage Company Jacksonville, FL
Vanderbilt Mortgage and Finance, Inc. Maryville, TN
Walter Mortgage Company No. Richland Hills, TX
Washtenaw Mortgage Ann Arbor, MI
Watermark Financial Partners, Inc. Denver, CO
Wendover Financial Services Corporation Greensboro, NC
Wilmington Finance, Inc. Plymouth Meeting, PA
Wilshire Credit Corporation Portland, OR
WinStar Mortgage Partners, Inc. Plymouth, MN
WMC Mortgage Corporation Woodland Hills, CA
Woodmen Mortgage Services, Inc. Omaha, NE
Yorktown Funding, Inc. Camp Hill, PA
38
Currency Exchange, Currency Transmission
and Currency Transportation Companies
Operating in West Virginia
American Express Travel Related Services Company, American Payment Systems, Inc.
200 Vesey Street 15 Sterling Drive
New York, New York 10285- Wallingford, Connecticut 06492
Phone: (201) 209-5904 Phone: (203) 6794592
Comdata Corporation Global Express Money Orders, Inc.
5301 Maryland Way 8819 Monard Drive
Brentwood, Tennessee 37027 Silver Spring, Maryland 20910
Phone: (615) 370-7000 Phone: (301) 588-2870
Integrated Payment Systems, Inc. Interpayment Services Limited
6200 South Quebec Street Worldwide House
Greenwood Village, Colorado 80111 Peterborough, England UK PE3 6SB
Phone: (303) 967-7202 Phone: (416) 359-3725
Loomis Fargo & Co. Merchants Express Money Order Company
2500 Citywest Boulevard, Suite 900 1029 Mumma Road
Houston, Texas 77042 Wormleysburg, Pennsylvania 17043
Phone: (713) 435-6724 Phone: (717) 760-5907
MoneyGram Payment Systems, Inc. Omnex Group, Inc.
1550 Utica Avenue South 2635 Camino Del Rio South, Suite 309
Minneapolis, Minnesota 55416 San Diego, California 92108
Phone: (952) 591-3835 Phone: (619) 688-9800
Orlandi Valuta PayPal, Inc.
18000 Studebaker Road, Suite 900 2211 North First Street
Cerritos, California 90703 San Jose, California 95131
Phone: (303) 967-7202 Phone: (408) 967-1068
R.M. Roach & Sons, Inc. Sigue Corporation
333 East John Street, P. O. Box 2899 1518 San Fernando Road
Martinsburg, West Virginia 25402 San Fernando, California 91340
Phone: (304) 263-3329 Phone: (818) 493-5101
Travelers Express Company, Inc. Travelex Currency Services, Inc.
1550 Utica Avenue South 100 Yonge Street, 14th Floor
Minneapolis, Minnesota 55416 Toronto, Ontario M5C 2W1
Phone: (952) 591-3835 Phone: (416) 359-3700
Travelex, Inc. Travellers Cheque Associates LTD
1000 Franklin Avenue, Suite 100 c/o American Express Company, 200 Vesey Street
Garden City, New York 11530 New York, New York 10285
Phone: (416) 359-3700 Phone: (201) 209-5904
Western Union Financial Services, Inc.
6200 South Quebec Street, #240
Greenwood Village, Colorado 80111
Phone: (303) 967-7202
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