Georgia Department of Banking & Finance ~ Non-Depository Financial Institutions Division QuarteMrolnyftohSrluytmShumemmaPareryryioooffdMMEonrotdngaiegnyegASDceterivvcieitcimeesbBfoeurrst3hine1e,Pse2sr0ieo1sd2AEncdtiinvgitAipersil 2007 Inside this Issue: Semi-Annual 2 Reporting: Check Sellers and Money Transmitters FinCEN E-Filing 2 System Reminder 3 Regarding GCIC Criminal Background Checks Upcoming 2013 3 State Holidays Upcoming Check 4 Cashing Classes Check Casher 5 Activity for the 4th Quarter Check Seller / 9 Money Transmitter Activity for the 4th Quarter Administrative 10 Actions Customer Service 10 Stars Contact 11 Information Check Seller and Money Transmitter License Renewal Deadline Thank you to those licensees who completed the online license renewal and sent in supporting documentation in a timely manner. Licensees that were approved should be able to access the Department's website to obtain their license certificate for 2013. The expiration date for all check seller and money transmitter licenses was December 31, 2012. Licensees who failed to submit a renewal application prior to the December 31st expiration must reapply to have their license reinstated. This requires the submission of a new license application form and all supporting documents and fees. The application form is the same as for new applicants and can be found on the Department's website at: http://dbf.georgia.gov/documents/application-sale-check-ormoney-transmitter-license. Please take note of the following reminders for next year's renewals: The surety bond needed is for the NEXT LICENSE YEAR and it should cover the calendar year. If necessary, please contact your insurance agent and change your bond to cover the calendar year. Remember that a continuation certificate must indicate the expiration of the bond. Although the bond is perpetual, it only covers the timeframe that you have actually paid for it to cover. If you have questions, please contact Teresa Koeppel at (770) 986-1639 or via e-mail at msb@dbf.state.ga.us. Please be sure to include your license number on any communication with the Department. This will allow us to assist you more quickly and efficiently. DID YOU FORGET YOUR PASSWORD? The Department has created a password retrieval site for MSB licensees and registrants who have forgotten their login information. https://bkgfin.dbf.state.ga.us/MSBForgotPassword.html A link to the password retrieval site is provided from the various online process and payment websites for MSBs. Once a license or registration number is entered and verified through the site, the password is sent to the primary e-mail address on file for the license or registration. If the primary contact information for a license or registration has changed, please contact msb@dbf.state.ga.us. "Safeguarding Georgia's Financial Services" Page 2 4th Quarter 2012 Semi-Annual Reporting: Check Sellers and Money Transmitters By now, all Check Seller and Money Transmitter licensees should have received the Department's e-mail regarding Semi-Annual Reporting. These reports must be made by the licensee through the Department's online reporting system. The report that is due covers the period of July 1, 2012 through December 31, 2012. Passwords for accessing the online reporting system are e-mailed to the licensee's primary contact listed in the Department's records. Please make certain that the e-mail the Department has on file for your company is correct. The online system for Check Seller Semi-Annual Reporting is found at: https://bkgfin.dbf.state.ga.us/CSSemiAnnualReport.html The online system for Money Transmitter Semi-Annual Reporting is found at: https://bkgfin.dbf.state.ga.us/MTSemiAnnualReport.html Licensees should ensure that their average outstanding checks and outstanding transactions are calculated correctly. During 2013, licensees may be contacted to provide proof of the outstandings shown on the SemiAnnual Reports. Licensees must complete the Semi-Annual Reporting by March 1, 2013. Any licensee not filing a report by that date may be subject to a fine, administrative action, or both. IMPORTANT NOTE: If you experience any problems with the online system, please contact Teresa Koeppel at (770) 986-1639 or via e-mail at msb@dbf.state.ga.us. Please be aware that our overnight processing normally occurs between 5 - 7 PM EST. You will NOT be able to access the website while these update processes run. Financial Crimes Enforcement Network (FinCEN) E-Filing System As of July 1, 2012, all financial institutions subject to Bank Secrecy Act (BSA) reporting must use electronic filing (E-Filing) for certain FinCEN reports. FinCEN will no longer accept most paper filings, and has allowed extensions and exemptions only in certain circumstances. BSA E-Filing, which is provided free of charge, offers streamlined BSA information submission; faster routing of information to law enforcement; greater data security and privacy compared with paper forms; long-term cost savings to institutions, individuals, and the government; and ensures compatibility with future versions of FinCEN reports. For more information about BSA E-Filing, please review the E-Filing Section on FinCEN's website. For technology-related questions specific to E-Filing, please contact the BSA E-Filing Help desk at 1-866-346-9478. 4th Quarter 2012 Page 3 Reminder Regarding GCIC Criminal Background Checks The Department does not accept third party criminal background checks. Normally, third party checks do not cover the person's whole lifetime, as is required by our laws governing Money Service Businesses (MSBs). Often, these reports gather information from a variety of sources and not from the Georgia Crime Information Center (GCIC). Please obtain your background checks from local law enforcement agencies providing this service before you hire new employees involved in the check cashing, check selling or money transmission function (i.e., anyone who can sign on the bank account or handle your funds). Keep the reports on file and, as a best practice, obtain new reports every two years. Upcoming 2013 State Holidays Holiday Name Robert E. Lee's Birthday Martin Luther King Jr.'s Birthday Washington's Birthday Confederate Memorial Day Memorial Day Independence Day Labor Day Columbus Day Veterans' Day Thanksgiving Day Christmas Day Date Observed January 19th Saturday Will be observed on Friday, November 29th January 21st Monday February 18th - Monday Will be observed on Tuesday, December 24th April 22nd Monday May 27th Monday July 4th Thursday September 2nd Monday October 14th Monday November 11th Monday November 28th Thursday Lee's Birthday will be observed on Friday, November 29th December 25th Wednesday Washington's Birthday will be observed on Tuesday, December 24th Page 4 4th Quarter 2012 Upcoming Check Cashing Classes On Tuesday, April 9, 2013, from 10:00 a.m. to 11:30 a.m., the Department will be conducting a check cashing class at State Offices South at Tift College, Forsyth, Georgia. There is no cost for the class. The following topics will be covered: Check casher laws and regulations, the Bank Secrecy Act (BSA) and Anti-Money Laundering requirements. Please email your reservations to Teresa Koeppel at tkoeppel@dbf.state.ga.us no later than Friday, March 22, 2013. Location of the class: STATE OFFICES SOUTH AT TIFT COLLEGE 300 Patrol Road Forsyth, GA 31029 During 2013, the Department will continue to hold a class at it's main office every other month that is open to all check cashers. The class benefits first-time check cashers and veteran check cashers. Classes are scheduled on Tuesdays at 10:00 a.m. and generally last about an hour and a half. There is no cost for the class and it is a great way to learn about Georgia law, Department regulations, the Bank Secrecy Act (BSA) and Anti-Money Laundering requirements. During examinations, those who have attended the class have stated that the knowledge and information they gained helped prevent violations and avoid the imposition of fines. As a further benefit, the Department provides a certificate of attendance that licensees may use as evidence of training received on BSA and Anti-Money Laundering. Upcoming 2013 Check Casher Class Dates and Times* Tuesday, January 15th, 10:00 AM Tuesday, March 19th, 10:00 AM Tuesday, May 21st, 10:00 AM Tuesday, July 16th, 10:00 AM Tuesday, September 17th, 10:00 AM Tuesday, November 19th, 10:00 AM The classes are limited to a maximum of seven attendees, so you must make an advance reservation for a seat by calling 770-986-1639 or emailing tkoeppel@dbf.state.ga.us at least five days before the class is held. Reserve your seat NOW! We look forward to seeing you. * Please note that the class schedule is subject to change. 4th Quarter 2012 Page 5 LICENSED AND REGISTERED CHECK CASHERS APPROVED OR REINSTATED DURING THE 4TH QUARTER OF 2012 LIC/ REG# 26256 25092 34447 25273 34316 22278 15992 33175 33546 34427 34323 20517 33766 35749 35751 35756 35794 35818 35820 35833 35834 35836 35837 35865 35903 35736 35912 35922 35923 35819 35871 35940 35941 35942 CODE NAME R Boulevard Convenience, Inc. L La Azteca, Inc. L Ukani Sewani Inc. R Platonik, Inc. R Efrain Raya R RJ's Store, Inc. L United Hispanic Enterprise, LLC R Tienda Y Panaderia Delicias, Inc. R Elite C Store, Inc. R Miselinda Agbaka R Cairo IGA, LLC R Kais Business, Inc. R Sikders, Inc. R MAHA Investments, Inc. R Zamar LLC L MultiGla Services, Inc. L Don Angel Multi-Services, LLC L Mejia Multiservices, LLC L Arian Janan Enterprises, Inc. L Stanley Hester Barr L Ali Amiraz, Inc. L Purva, LLC R Hilda E. Richardson R MSVD Incorporated R Pelham Enterprises, Inc. R Multi Fashion, LLC L Yoon Enterprise Group LLC L BCTS, LLC L J Antonio Raya Raya L Almas Hashim L A.M.A. Convenience and Check LLC R Arpit, Inc. L B and D Petroleum, LLC R Real Cabana Restaurant, Inc. CITY Atlanta Elberton College Park Sandy Springs Moultrie Lake Park Conyers Atlanta Walnut Grove Norcross Cairo Atlanta Atlanta Lawrenceville Cartersville Columbus Atlanta Norcross College Park Bainbridge Atlanta Thomasville Statenville Alma Pelham Macon Columbus Rome Omega Roswell Atlanta Savannah Blue Ridge Marietta ORIGINAL ST APPROVAL REINSTATED GA 05/04/2010 10/01/2012 GA 02/05/2010 10/16/2012 GA 05/03/2012 10/22/2012 GA 02/17/2010 10/31/2012 GA 04/26/2012 11/14/2012 GA 02/02/2007 11/21/2012 GA 07/11/2000 11/27/2012 GA 10/13/2011 11/29/2012 GA 12/22/2011 12/06/2012 GA 05/08/2012 12/06/2012 GA 04/30/2012 12/12/2012 GA 06/23/2005 12/20/2012 GA 01/30/2012 12/20/2012 GA 10/02/2012 GA 10/02/2012 GA 10/02/2012 GA 10/03/2012 GA 10/11/2012 GA 10/11/2012 GA 10/11/2012 GA 10/11/2012 GA 10/11/2012 GA 10/17/2012 GA 10/17/2012 GA 10/17/2012 GA 10/19/2012 GA 10/19/2012 GA 10/19/2012 GA 10/19/2012 GA 10/22/2012 GA 10/23/2012 GA 10/24/2012 GA 10/24/2012 GA 10/24/2012 Page 6 4th Quarter 2012 LICENSED AND REGISTERED CHECK CASHERS APPROVED OR REINSTATED DURING THE 4TH QUARTER OF 2012 LIC/ ORIGINAL REG# CODE NAME CITY ST APPROVAL REINSTATED 35750 L Patiala Food Mart, Inc. Duluth GA 10/25/2012 35965 L National Title Pawn of Hiawassee, Inc. Hiawassee GA 10/26/2012 35964 R Shivani Trading, Inc. Savannah GA 10/29/2012 35973 R Hetal Enterprises, Inc. Moultrie GA 10/29/2012 35983 L Pro Plus Financial Services LLC Marietta GA 11/05/2012 36018 L Anthony Bello College Park GA 11/07/2012 36039 R Second Chance Rehabilitation Services East Point GA 11/09/2012 36056 L Short Trip, Inc. Conley GA 11/14/2012 36029 R Pritam Enterprises, LLC Savannah GA 11/15/2012 36057 R Vansh Vidhi LLC Reynolds GA 11/15/2012 36127 L CHLBN Enterprises, LLC Austell GA 11/27/2012 36019 L City Food Market LLC Hapeville GA 11/28/2012 36139 R YUGJJ Inc. Tallapoosa GA 11/28/2012 36156 R Gaul & Associates, LLC Savannah GA 11/28/2012 36020 R Ashirvad, Inc. Savannah GA 11/29/2012 36017 R Lisa Yong Crossen Pine Mountain Valley GA 12/03/2012 36194 R Gladiator Fuel, Inc. Royston GA 12/06/2012 36204 L MAF Business LLC Winder GA 12/06/2012 36250 L Atlanta South 75, Inc. Jackson GA 12/12/2012 36288 L Jorge Orderique Columbus GA 12/20/2012 TOTAL: 54 LICENSED AND REGISTERED CHECK CASHERS CLOSED OR EXPIRED DURING THE 4TH QUARTER OF 2012 LIC/ REG# 9078 9161 9368 9379 11707 17198 17795 18178 19442 19700 20149 20387 20401 20477 20557 20629 CODE NAME LD Money Exchange, Inc. RD Pop Top Package & Deli LD Moss Pawn Shop RD Jerry's Pawn Shop LD The Pantry, Inc. LD Shell Food Mart LD College Park Chevron LD Shadday Enterprises/Mr. Payroll LD A & A Checks Cashed RD Deportes Mexico LD Henry County BP LD Joyeria y Novedades Latinos, Inc. RD Saad's Express #1 RD H&S Accounting RD Super Valu LD Diamond Gas and Food Mart, LLC CITY CLEVELAND NORCROSS JONESBORO ATLANTA CARY CHAMBLEE COLLEGE PARK ROME ROSWELL DALTON MCDONOUGH GAINESVILLE OAKWOOD DULUTH COLLEGE PARK BETHLEHEM ST CLOSED TN GA GA GA NC GA GA GA GA GA GA GA GA GA GA GA EXPIRED 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 4th Quarter 2012 Page 7 LIC/ REG# 21613 21900 21918 22025 22059 22240 22722 22825 22960 23100 23221 23252 23258 23280 23318 23381 23604 23631 23658 23717 23726 23797 23863 23864 23878 23917 23919 23924 23938 23978 24071 24077 24163 24195 24284 24298 24301 24314 25263 26284 26632 29393 30198 30250 30647 30812 LICENSED AND REGISTERED CHECK CASHERS CLOSED OR EXPIRED DURING THE 4TH QUARTER OF 2012 CODE NAME CITY ST LD Cash Any Time, Inc. LAWRENCEVILLE GA LD Henry County BP #2 MCDONOUGH GA LD Stockbridge Raceway STOCKBRIDGE GA LD Package Depot FAIRBURN GA RD BP Food Mart SOCIAL CIRCLE GA RD Winder Package Store WINDER GA RD DeKalb Convenience ATLANTA GA RD Tifton Business & Tax Services, Inc. TIFTON GA RD Southern Family Markets, LLC BIRMINGHAM AL RD Short Stop Grocery COLLEGE PARK GA LD Molino, Inc. DAHLONEGA GA RD Jacks Package Store MABLETON GA RD LAK Beverage, LLC PERRY GA RD La Estrella Sport & Gift Shop CHATSWORTH GA LD Alpha Link Management Networking RIVERDALE GA RD Quick Stop FOREST PARK GA RD SOWEGA Financial Services, LLC ALBANY GA LD Mini Mart #2 SWAINSBORO GA LD Purity Enterprise, Inc. Conley GA RD Henil Alma Corporation ALMA GA RD Shree Siya, Inc. CORDELE GA LD La Michoacana Enterprises, Inc. DALTON GA LD Carniceria Latina DALTON GA LD Hart & BB Check Cashing MARIETTA GA LD La Esperanza WRENS GA RD Retail Marketing Corporation FOREST PARK GA RD Shell Food Mart MCDONOUGH GA RD The Market SNELLVILLE GA LD Clermont Food Mart CLERMONT GA RD Sonny's Apex Express COMMERCE GA LD Sung Hyuk Eun LOGANVILLE GA LD Hometown Tax Service CAIRO GA RD Shreyan Food Mart, Incorporated JESUP GA RD Dev Prabha Hanuman, LLC BAXLEY GA RD Gas n Go VALDOSTA GA LD Easy Check Cashing GRIFFIN GA LD Auto Pro Title Pawn, Inc. MACON GA RD Daniel Ahart Tax Service DULUTH GA LD Little Jimmy's Italian Ice / Check Cashing WOODSTOCK GA RD Elena's Beauty Salon CALHOUN GA LD Party Shoppe CORDELE GA RD Sunny's Neighborhood Grocery ATLANTA GA RD B K & P L.L.C. Albany GA RD Norwood Package Store Athens GA RD DB Petroleum, LLC Reidsville GA LD Sahajanandswami, Inc. Warner Robins GA CLOSED EXPIRED 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 09/30/2012 Page 8 4th Quarter 2012 LICENSED AND REGISTERED CHECK CASHERS CLOSED OR EXPIRED DURING THE 4TH QUARTER OF 2012 LIC/ REG# 30825 30870 30887 31025 31030 31465 31510 31582 31708 32260 32353 32452 11737 32550 32733 32762 32777 32826 32830 32857 32932 32967 33000 33049 33316 33368 33521 33524 33548 33581 33592 33599 33665 33707 33740 33748 33763 33810 33876 33880 33899 33900 33910 33912 33915 33945 CODE NAME RD Monroe Mtn, Inc. LD Khushiom, LLC RD Ramin, Inc. RD Rashida B. Bey, LLC RD $+Cents LD Eagle Cash Services, LLC RD K&P Stores, LLC LD Easy Check Cashing LD Ambalakshmi, Inc. RD Devshree, LLC LD Money-Rite Auto Pawn of Georgia, LLC LD B1 General Services, Inc. LD Shorty's Quik Stop #10 LD Danyal Enterprises, Inc. RD Sterling Liquors RD Senna Enterprises, Inc. LD Leonard Financial Inc LD Isha Enterprises, Inc. LD Houston Grocery RD Khodiyar Seven, Inc. RD Welcome 2012, Inc. RD Quanta Brasil LLC LD Alfazl, Inc. LD Loy's Check Cashing RD Shree Ranchhod Rai, Inc. LD Mehreen Nawar, LLC RD Carniceria Del Valle LLC LD Yogi 11, Inc. RD Ce' Ce's Bussiness Services LD US Check Cashing LLC LD Dnovel Enterprises, Inc. LD Riverside Food & Gas, Inc. LD Quick Cash Check Cashing RD Kennedy Drugs, Inc. LD Classic Systems, Inc. LD Convenient Cash, Inc. LD Casanova Enterprises, Inc. LD Commy Check Cashing RD Tienda Latina, Inc. RD Fina Corp. LD Global Check Cashing RD Shaishav, Inc. LD Butler Foodmart, Inc. LD Friendly Income Tax RD Jackson Food & Fuel, LLC LD Grovetown Check Cashing LLC CITY Monroe Chatsworth Snellville Riverdale Augusta STONE MOUNTAIN Tifton Marietta LaGrange Fitzgerald Chicago Conley EASTMAN Chamblee Brunswick Watkinsville Roswell Savannah Macon Woodbine Rome Marietta Conyers Pearson Folkston Atlanta Newnan Sandy Springs Atlanta Fitzgerald Douglasville Marietta Albany Macon Columbus Powder Springs Gainesville Hiram Cairo Canton Austell Patterson Butler Statesboro Jackson Grovetown ST CLOSED EXPIRED GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 IL 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 4th Quarter 2012 Page 9 LIC/ REG# 33988 34048 34090 34108 34269 34320 34364 34423 34424 34532 34587 24150 22412 30290 9329 34120 20756 23748 31125 22243 32931 23783 LICENSED AND REGISTERED CHECK CASHERS CLOSED OR EXPIRED DURING THE 4TH QUARTER OF 2012 CODE LD LD RD LD RD LD RD LD LD RD LD RD LD RD RD LD LD RD LD RD LD LD NAME Fifth Era, Inc. Q&Q Brothers Metter 1 Corporation Kuick Money Check Cashing LLC Fhylos Geek and Cyber Services JB Liquor Enterprise, LLC The Community Corner, LLC Rohit LLC Villa Nova Beverages Moe's Taxes & Resource Shop Family Affairs Etc. LLC Merit International, LLC Little Joe's Package Store Sajnita, Inc. Cash-In-A-Flash Chi Ching, LLC Love's Jewelers & Pawn, Inc. Gane, Inc. Pumpers Food & Gas, Inc. Short Stop Ruben Services, Inc. BuckAtlanta Investments, Inc. CITY Carrollton Griffin Glennville Lawrenceville Calhoun Clarkston Georgetown Manchester Columbus Tifton Douglasville NEWNAN COLUMBUS Albany CALHOUN Braselton COLUMBUS DECATUR Fayetteville WINDER Mableton ATLANTA ST CLOSED EXPIRED GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 09/30/2012 GA 10/12/2012 GA 10/19/2012 GA 10/19/2012 GA 11/01/2012 GA 11/15/2012 GA 11/16/2012 GA 11/19/2012 GA 11/27/2012 GA 12/07/2012 GA 12/10/2012 GA 12/20/2012 TOTAL: 130 LICENSED CHECK SELLERS AND MONEY TRANSMITTERS APPROVED DURING THE 4TH QUARTER OF 2012 LIC# 35835 36058 35858 35902 35931 35322 CODE NAME M Beamit, Inc. M HD International Group, LLC M Hadeel Express, Inc. M TouchPay Holdings, LP S PreCash, Inc. M Nationwide Biweekly Administration, Inc. DBA Remitly Dawit Money Transfer CITY Seattle Clarkston Scottdale Irving Houston Xenia ST APPROVAL WA 11/02/2012 GA 11/26/2012 GA 12/03/2012 TX 12/07/2012 TX 12/19/2012 OH 12/31/2012 LICENSED CHECK SELLERS AND MONEY TRANSMITTERS CLOSED DURING THE 4TH QUARTER OF 2012 LIC# CODE NAME 24446 MD Thinking Minds, Inc. 32709 SD Unirush, LLC DBA India Pay CITY MARIETTA Cincinnati ST CLOSED GA 12/31/2012 OH 12/31/2012 Page 10 4th Quarter 2012 LIC# 23715 17247 LICENSEES AND REGISTRANTS WHO SUBMITTED A NAME CHANGE DURING THE 4TH QUARTER OF 2012 CODE PRIOR NAME L Check Company, LLC L Mail Etc, Inc. NEW NAME 404 Cash Now LLC Smyrna Financial Center Inc. CITY Atlanta Smyrna ST EFFECTIVE GA 11/27/2012 GA 12/27/2012 ADMINISTRATIVE ACTIONS Patiala Food Mart, Inc., Duluth, GA, (license # 35750) - Consent Order issued on 10/25/2012 became final 10/25/2012. CUSTOMER SERVICE STARS It is the Department's goal to provide excellent customer service by meeting and exceeding the expectations of our customers. Along those lines, we would like to recognize the following individuals and team for going above and beyond in serving our customers: Applications Analyst Susan Nelson The Department received comments about Susan from customers stating: "Mrs. Nelson was very helpful and very quick to respond to my needs." and "Susan Nelson is excellent in all areas." Senior Financial Examiner Joel Byers The Department received comments about Joel stating: "Mr. Byers conducted our examination. He is very professional and very much a pleasure to work with." MSB Team The Department received comments about the MSB staff stating: "The MSB staff is most courteous and helpful. They went more than the extra mile for outstanding customer service!" and "We have always gotten excellent service when we had a request or have needed help." and "Good response time and friendly service during our application process." and "Excellent service because of friendly, but professional approach. Helpful in everything that I did not know." CONGRATULATIONS AND GREAT JOB TO OUR CUSTOMER SERVICE STARS!! 4th Quarter 2012 Department Contact Information NAME Teresa Koeppel, Administrative Examiner (Check Sellers/Money Transmitters) Susan Nelson, Applications Analyst (Check Cashers) E-MAIL ADDRESS tkoeppel@dbf.state.ga.us nelson@dbf.state.ga.us Page 11 PHONE# (770) 986-1639 (770) 986-1652 Corresponding with the Department When corresponding with the Department, e-mail communication is preferred. Providing written details in the email regarding any questions or concerns you may have allows the Department to forward the request to the appropriate person who handles that area, and if sufficient details are included in the request, that person can then more efficiently provide you with an answer. The main Division e-mail address is msb@dbf.state.ga.us. Since the Department's main method of communicating with licensees/registrants is via e-mail, it is very important that you supply the Department with a valid e-mail address and that you keep us informed if your email address changes. Please be sure that your e-mail account does not divert Department e-mail to your spam or junk folder. Page 12 Georgia Department of Banking and Finance 2990 Brandywine Road Suite 200 Atlanta, Georgia 30341-5565 Phone: (770) 986-1633 Fax: (770) 986-1655 or 1029 Email: msb@dbf.state.ga.us We're on the Web! dbf.georgia.gov 4th Quarter 2012 The Department is the state agency that regulates and examines banks, credit unions, and trust companies chartered by the State. The Department also has regulatory and/or licensing authority over mortgage brokers/processors, lenders and loan originators, money service businesses, internaonal banking organizaons, and bank holding companies conducng business in Georgia. Our MISSION is to promote safe, sound, compeve financial services in Georgia through innovave, responsive regulaon and supervision. Our VISION is to be the best financial services industry regulator in the country Progressive. Proacve. Service-Oriented. Sign-up to Receive this Publication This quarterly publication is delivered to interested parties via e-mail and is also available from the Department's website at: http://dbf.georgia.gov under Publications, MSB Newsletter. If you would like to be added to our distribution list, send an email to dbfpress@dbf.state.ga.us stating your name and e-mail address. Please be sure to include "Subscribe to MSB Newsletter" in the Subject line.