Members of the public may comment on an application or a notification. Comments must be received by the Federal Reserve on or before the last day of the comment period. The comment period ends no earlier than the date specified in the newspaper notice and, in the case of bank holding company applications for which a Federal Register notice is published, may end later than that date.

Comments may be submitted in writing by mail to Ivan J. Hurwitz, Vice President, Bank Applications Function, 33 Liberty Street, New York, NY 10045-0001; or electronically to: comments.applications@ny.frb.org.

All comments submitted electronically are scanned for viruses and may be intercepted by the Federal Reserve Bank of New York's commercial scanning agent. Comments submitted electronically will be considered received when they are received by the New York Fed's computer servers. If, however, comments submitted electronically contain computer viruses or are otherwise inaccessible for any reason, the comments will not be considered received.

Comments received in writing either by mail or electronically on business days by 3:00 p.m. Eastern time will be considered received for processing on the same day. Comments received on nonbusiness days, or received on business days after 3:00 p.m. Eastern time, will not be considered received for processing until the next business day. Business days are days other than weekends and holidays. See holiday schedule in the right column.

If you have any questions or comments on community affairs aspects of an application or a notification, contact Ms. Kausar Hamdani, Community Affairs, Federal Reserve Bank of New York at (212) 720-8258.

If you have questions concerning other aspects of an application, nonbanking notifications or electronic submission of comments, contact Ivan J. Hurwitz, Vice President, Bank Applications Function, Federal Reserve Bank of New York at (212) 720-5885.