Arrow Financial has more than one shaft in its quiver. It's the holding company for two banks: Glens Falls National Bank and Trust Company and Saratoga National Bank and Trust Company, which together operate more than 30 branches in five counties in eastern upstate New York. Targeting individuals and area businesses, the banks offer standard deposit products like checking, savings, and money market accounts; CDs; and IRAs. They also provide retirement, trust, and estate planning services and employee benefit plan administration. Residential mortgages make up the largest segment of Arrow Financial's loan portfolio (more than 40%); indirect and installment loans to individuals account for about 30%.

1st Constitution Bancorp is the parent of 1st Constitution Bank, which serves consumers, small businesses, and not-for-profits through about a dozen branches in Middlesex, Mercer, and Somerset counties in New Jersey. Services and products include demand, savings, and time deposits, as well as loans and mortgages. Commercial mortgages, business loans, and construction loans make up more than 60% of the company's lending portfolio. Directors and executive offices of 1st Constitution Bancorp own about 15% of the company.

LNB Bancorp is the holding company for The Lorain National Bank, which operates more than 20 branches in Ohio's Cuyahoga, Erie, Lorain, and Summit counties. The bank serves local businesses and individuals, offering such deposit products as checking and savings accounts, money market accounts, CDs, and IRAs. It also offers trust services and credit cards. The bank's lending activities primarily consist of commercial loans (approximately 60% of its portfolio) and real estate mortgages, as well as installment and home equity loans. The Lorain National Bank offers brokerage and investment services to customers through an agreement with Investment Centers of America.

S & U PLC is a provider of consumer credit and auto loans throughout England, Scotland, and Wales. Operating branches and divisions include Wilson Tupholme (catering to Northeast England and Scotland), S D Taylor (Northwest England), and auto finance subsidiary Advantage Finance. The lending company owns and operates about 15 facilities throughout the UK. S & U targets borrowers with iffy credit histories who have been rejected by mainstream lenders.

Dexia provides retail, commercial, and private banking services in Europe, primarily Belgium, Luxembourg, and Turkey (through DenizBank). The company is a leader in European public and semi-public finance, with a majority of the market in Belgium and about half in France. It funds municipal buildings, social housing, and infrastructure projects and is active in Europe and North America. Dexia also provides asset management and investment services through its RBC Dexia Investor Services joint venture with Royal Bank of Canada; the unit has some $2.3 billion in assets under administration. Dexia was founded in 1996 through the merger of public finance institutions in Belgium and France.

Bangor Savings Bank has been serving Maine for more than 150 years. In addition to traditional deposit and lending services, the bank also provides credit cards, insurance, and trust and investment management services. Residential mortgages and commercial real estate loans make up most of its loan portfolio; consumer, business, construction, and land development loans round out its lending activities. The bank's Bangor Payroll unit performs payroll management and tax services for more than 1,000 small business clients.

The Federal Home Loan Bank of Indianapolis is a wholesale bank that provides loans, grants, and business services to member financial institutions in Indiana and Michigan. We are one of twelve such banks in the Federal Home Loan Bank System established in 1932. FHLBanks are privately capitalized and funded, and receive no Congressional appropriations.

IFC's Purpose is to create opportunity for people to escape poverty and improve their lives by Promoting open and competitive markets in developing countries.Supporting companies and other private sector partners where there is a gap.Helping generate productive jobs and deliver essential services to the underserved.Catalyzing and mobilizing other sources of finance for private enterprise development. To achieve its Purpose, IFC offers development-impact solutions through firm-level interventions (direct investments, advisory services, and the IFC Asset Management Company); standard-setting; and business enabling environment work.

Turk Ekonomi Bankasi Anonim Sirketi offers standard retail and commercial services from about 340 branches (it has about triped its locations since 2005) and more than 120 ATMs in Turkey, mostly in Istanbul. Subsidiaries include TEB Investment, TEB Insurance, and The Economy Bank in the Netherlands. Together, the group provides leasing, factoring, insurance, asset management, and investment brokerage services. BNP Paribas owns 50% of TEB Mali Yatirimlar, which in turn owns some 85% of TEB. BNP Paribas is merging the business of Fortis Bank in Turkey with that of TEB, a move that will nearly double TEB's branch network.

TrustCo Bank Corp is the holding company for Trustco Bank, which operates in eastern New York, central and western Florida, and parts of Vermont, Massachusetts, and New Jersey. It has about 130 branches, offering individual and business customers a variety of deposit products and trust services. It primarily originates residential and commercial mortgages, which account for about three-quarters of its loan portfolio; it also writes business loans and home equity lines of credit. Since 2003, TrustCo Bank has nearly doubled its branch network in New York and Florida by opening new locations. It plans to continue opening new branches, albeit not as rapidly.

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