Pathfinder Bancorp is the holding company for Pathfinder Bank, which operates seven branches serving upstate New York's Oswego County and surrounding areas. Founded in 1859, the bank provides standard services such as checking and savings accounts, money market accounts, IRAs, CDs, and credit cards. It primarily originates residential real estate loans, which account for the majority of the company's loan portfolio. The bank's Pathfinder Investment Services division provides mutual funds, insurance, brokerage, and financial advisory services. Mutual holding company Pathfinder Bancorp, M.H.C., owns nearly two-thirds of the company.

The Royal Bank of Scotland Group plc, through its subsidiaries, offers banking and financial services to personal, commercial, corporate, and institutional customers in the United Kingdom, the United States, and internationally. It provides private banking and investment services, and offshore banking services; and debt and equity financing and risk management services, as well as money markets, rates flow trading, currencies and commodities, equities, credit markets and portfolio management and origination services. The company also offers global payments, cash and liquidity management, and trade finance and commercial card products and services; sells and underwrites retail and SME insurance over the telephone and Internet, as well as through brokers and partnerships; and offers general insurance, including motor insurance under the brands of Direct Line, Churchill, Privilege, Green Flag, and NIG. In addition, it provides operational technology, customer support in telephony, account management, lending and money transmission, global purchasing, property, and other services. The company was founded in 1727 and is headquartered in Edinburgh, the United Kingdom. The Royal Bank of Scotland Group plc operates as a subsidiary of HM Treasury.

Sturgis Bancorp is the holding company for Sturgis Bank & Trust, which has about 10 branches in south-central Michigan. Founded in 1905, the bank offers checking and savings accounts, CDs, trust services, and other standard banking fare. Real estate loans comprise the bulk of its lending activities: one- to four-family residential mortgages make up more than half of the company's loan portfolio. Subsidiary Oak Leaf Financial Services provides insurance and investment products and services from third-party provider Linsco/Private Ledger.

Erste & Steiermarkische Bank (ESB) is banking on the fiduciary habits of native Croatians. The Croatia-based bank caters to individuals and small- and medium-sized businesses through more than 120 branches; services include Internet banking for retail and corporate clients. When the bank first opened in 2002, it had few direct competitors, but today as the competitive landscape has changed, the bank's clientele have had more banking choices and have asserted their loyalty to ESB. The company has a more than 10% market share. Erste Bank owns 555% of Erste & Steiermarkische; Steiermarkische Bank und Sparkassen owns about 40%.

Sterling Bancshares, Inc. operates as the holding company of Sterling Bank, which provides commercial and consumer banking services to consumers and small to medium-sized businesses in Texas. The company offers a range of banking services, including demand, savings, and time deposits; commercial, real estate, and consumer loans; merchant credit card services; letters of credit; and cash and asset management services. It also facilitates brokerage, mutual fund, alternative financing, and insurance products through third-party vendors. In addition, the company offers treasury management, specialized lending consisting of energy lending, and private client services; and involves in the purchase of government guaranteed loans and wholesale real estate lending activities. Further, Sterling Bancshares provides investment advisory and pension administration/consulting services. As of December 31, 2009, it served through 58 banking centers in the greater metropolitan areas of Houston, San Antonio, Dallas, and Fort Worth. Sterling Bancshares, Inc. was founded in 1974 and is headquartered in Houston, Texas.

BTMU Capital is a wholly owned subsidiary of The Bank of Tokyo-Mitsubishi UFJ, Ltd. (BTMU), which is part of the Mitsubishi UFJ Financial Group (MUFG), and a member of its Global Business Unit. We are a leading provider of leasing and structured asset-based financing and related financial services to U.S. and international organizations. We provide our operating lease services for modern aircraft engines through our subsidiary, Engine Lease Finance Corporation, located in Shannon, Ireland; for marine containers through our subsidiary, Beacon Intermodal Leasing, LLC, located in Boston, MA; and for UK and European based rail equipment through our subsidiary, Beacon Rail Leasing Limited, located in London, England. We have more than $4 billion in total assets under management, and we have arranged approximately $15 billion of financings in the last 5 years. BTMU Capital leverages the power of MUFG and the experience and creativity of its people to develop financial products that meet the specialized needs of its clients for leasing and asset-based financing.

First Federal Savings and Loan Association of Cullman is a $65 million community financial institution operating since 1905.First Federal offers competitive interest rates on all deposit products including certificates of deposits, checking and savings accounts. We are also dedicated to providing competitive mortgage financing for purchases, refinances, construction and home improvements as well as premium pricing for secondary mortgage market loans and flexible in-house low documentation loans.

Banco Espanol de Credito (Banesto) operates more than 1,900 branches across Spain. The country's fourth-largest bank, Banesto offers a wide variety of products and services to corporate and individual customers, including deposits and savings, investment banking, private banking, credit and loans, portfolio management, and financing for real estate and small businesses. The company also provides international wholesale banking services. Spanish bank Grupo Santander owns a controlling stake of about 89% in Banesto, which was founded in 1902.

The Southern Banc Company is the holding company for The Southern Bank, which operates about five branches in Etowah, Cherokee, and Marshall counties in northeastern Alabama. Serving both local businesses and consumers, the bank offers standard deposit products, including checking and savings accounts, certificates of deposit, and individual retirement accounts. Its loan portfolio is dominated by one-to-four family residential mortgages, business loans, and consumer loans, but Southern Bank also writes nonresidential real estate mortgages and loans secured by savings accounts.

Citizens Bancshares is the holding company for Citizens Trust Bank, which serves the Atlanta and Columbus, Georgia and Birmingham and Eutaw, Alabama communities from about 10 branch offices. The bank provides standard services such as checking and savings accounts, CDs, IRAs, credit cards, financial planning, and investments. Its lending portfolio mainly consists of loans secured by one- to four-family residences, multifamily dwellings, or commercial or industrial real estate. Former chairman and Atlanta-area entrepreneur and philanthropist Herman J. Russell owns about 30% of Citizens Bancshares' stock.

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