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Birmingham Midshires provides savings and mortgage lending products and services by telephone, by post, and online. Other products include bonds and individual savings accounts (ISAs). In 2005 and 2006 former parent company HBOS closed most of Birmingham Midshires' network of nearly 70 branch offices in the UK and rebranded the rest; employees were reassigned within the parent firm as Birmingham Midshires moved away from branch offices and exclusively to the Internet. In early 2009 Lloyds TSB acquired HBOS (along with Birmingham Midshires), forming Lloyds Banking Group.

BRT Realty Trust is listed on the New York Stock Exchange under the symbol BRT, for over seventeen years, and has been active in the real estate business for over three decades.Since 1972, BRT Realty has focused on originating short-term acquisition and bridge real estate loans for properties throughout the continental United States. BRT Realty specializes in creative short term financing solutions for the commercial real estate industry. We provide hard money loans that are secured by income-producing real estate. We can structure and close loans quickly, in as little as 48 hours.Our sound financial resources allow us to respond quickly and to find creative financing solutions to meet our clients' needs. We have no fixed criteria for a hard money loan, so clients financial needs are not constrained by having to fit into a 'box'. BRT Realty understands that each client's needs are unique and loans can be customized and structured to meet specific real estate financing goals.

Capmark Financial Group Inc. and certain of its subsidiaries filed voluntary petitions for relief under Chapter 11 of the U.S. Bankruptcy Code in the U.S. Bankruptcy Court for the District of Delaware. On January 15, 2010, Capmark Investments LP joined Capmark in its Chapter 11 proceedings. Capmark intends to use the reorganization process to implement a restructuring that reduces its corporate debt and maximizes value for its stakeholders.

Capstead Mortgage was established in 1985. Capstead Mortgage is holding steady in a turbulent real estate market. To stay the course, the self-managed real estate investment trust (REIT) makes leveraged investments in single-family residential adjustable-rate mortgages issued and backed by government agencies such as Fannie Mae, Freddie Mac, and Ginnie Mae it occasionally makes limited investments in credit-sensitive commercial mortgage assets, as well. The REIT typically funds its investment activities through short-term borrowings or equity offerings.

Cheltenham & Gloucester (C&G) is a mortgage services and savings account provider with some 165 branches in the UK. Cheltenham & Gloucester is a division of Lloyds Banking Group, which was formed in 2009 when struggling banks Lloyds TSB and HBOS joined forces. Still beset by losses, Lloyds announced plans to close the entire C&G branch network (and cut some 1,660 jobs). Lloyds later said it would sell the mortgage unit rather than shut it down; it will continue to offer C&G-branded services via telephone, mail, or from one of more than 1,800 Lloyds branches. C&G was established as a mutual building society in 1850 and acquired by Lloyds in 1997.

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