APPLICATIONS APPROVED UNDER BANK HOLDING COMPANY ACT: By the Secretary of the Board.

APPLICATIONS APPROVED UNDER BANK HOLDING COMPANY ACT

By the Secretary of the Board

Recent applications have been approved by the Secretary of the Board
as listed below. Copies are available upon request to the Freedom of
Information Office, Office of the Secretary, Board of Governors of
the Federal Reserve System, Washington, D.C. 20551.

Section 4

Applicant(s)               Bank(s)                   Effective Date

Commerica Incorporated,    NYCE Corporation,         August 31, 2000
  Detroit, Michigan          Woodcliff Lake,
                             New Jersey
First Union Corporation,   SafeCheck Company, LLC,
  Charlotte,                 New York, New York
  North Carolina
FleetBoston Financial
  Corporation,
  Boston, Massachusetts
HSBC Holdings PLC,
  London, England
HSBC Financing
  (Netherlands),
  London, England
HSBC Holdings BV,
  Amsterdam,
  Netherlands
HSBC North America, Inc.,
  Buffalo, New York
HSBC USA Inc.,
  Buffalo, New York
Summit Bancorp,
  Princeton, New Jersey
The Bank of New York
  Company, Inc.,
  New York, New York
The Chase Manhattan
  Corporation,
  New York, New York
The Royal Bank of
  Scotland Group plc,
  Edinburgh, Scotland
The Royal Bank of
  Scotland plc,
  Edinburgh, Scotland
RBSG International
  Holdings Ltd,
  Edinburgh, Scotland
Citizens Financial
  Group, Inc.,
  Providence,
  Rhode Island