Abbey International is waiting. A unit of Spanish banking powerhouse Santander, Abbey National International (which does business as Abbey International) serves British expatriates with offshore banking services via telephone and the Internet. Offerings include standard deposit accounts, as well as tax-beneficial interest-bearing products denominated in British sterling, US dollars, and euros. Santander's UK divisions are adopting the parent company's brand.

Salisbury Bancorp has a stake in New England's financial market. The holding company owns the Salisbury Bank and Trust Company, which operates seven branches in northwestern Connecticut, southwestern Massachusetts, and southeastern New York. With roots dating to 1848, the bank offers a variety of financial products and services, including checking, savings, and money market accounts, CDs, credit cards, and trust services. Residential real estate mortgages make up the largest portion of the bank's loan portfolio by far; commercial real estate, construction, land development, business, financial, agricultural, and consumer loans round out its lending activities.

One of the largest insurance premium finance companies in the country, First Insurance Funding is a subsidiary of Illinois-based financial holding company Wintrust Financial. If premium financing is the last thing you need, don't call First Insurance Funding. Working through independent insurance agents and brokers, First Insurance Funding provides loans to businesses to finance the cost of their commercial insurance, including liability and property/casualty coverage. Clients finance their insurance premiums to preserve cash flow, consolidate insurance payments, and to potentially realize a tax deduction on the loan interest.

Naugatuck Valley Financial Corporation (NVFC) owns Naugatuck Valley Savings and Loan, a community-based thrift serving southwestern Connecticut. Operating from more than a half-dozen locations, the bank provides traditional retail banking offerings such as checking and savings accounts, CDs, and IRAs. Naugatuck Valley Savings and Loan concentrates on residential lending, in addition to construction, multifamily and commercial real estate loans. NVFC and Southern Connecticut Bancorp called off plans to merge in 2010. Naugatuck Valley Mutual Holding Company owns 58% of NVFC's stock.

NBT Bank and its Pennstar Bank division, which together operate about 120 branches in central and upstate New York, northeastern Pennsylvania, and Burlington, Vermont. The community banks offer such standard products and services as checking, savings, and money market accounts; CDs; and trust services. The company's lending activities are dominated by business and commercial real estate loans. Other subsidiaries offer insurance, financial and retirement planning, and investment products. Its NBT Capital subsidiary provides venture funding to area businesses.

HBOS Australia operates a Bank of Scotland Treasury branch as well. A subsidiary Lloyds Banking Group, HBOS Australia holds two financial services companies: asset-based lender Capital Finance and BOS International, which is active in corporate advisory, public-to-private transactions, property lending, and infrastructure, resources, and oil and gas financing in Australia; BOS International also underwrites lending facilities in New Zealand and participates in large syndicated transactions such as leveraged buyouts, acquisitions, and structured corporate finance in Hong Kong.

Bayerische Landesbank (BayernLB) acts as the principal bank to the state of Bavaria and as the central clearing house for the 75 Bavarian sparkassen (savings banks). Also serving corporations, national and local governments, financial institutions, and real estate firms, the bank offers a variety of services, including financing, security underwriting and trading, and risk management. It provides retail and private banking services for individuals through its Internet bank, Deutsche Kreditbank, which also targets infrastructure customers in eastern Europe. BayernLB is recovering after losing billions in the global economic crisis.

Yapi ve Kredi Bankasi (Yapi Kredi for short) provides financial services including retail and corporate banking in Turkey through more than 660 branches and about 1,875 ATMs. It also has an offshore banking branch in Bahrain and subsidiary banks in Azerbaijan, Germany, the Netherlands, and Russia. Yapi Kredi, which launched the first credit card in Turkey in 1988, now has 5.4 million cardholders. The company also provides leasing, factoring, mutual funds, insurance, investment banking, and brokerage services. Koç Financial Services (KFS), which is jointly owned by UniCredit and Koç Holding, owns 82% of Yapi Kredi, which was founded in 1944.

Nationwide Building Society reigns as king over the UK's dwindling number of mutual building societies. The society offers consumers standard deposit banking services as well as investment products such as pension plans, unit trusts, and ISAs (individual savings accounts). Nationwide is also one of the country's leading mortgage lenders, writing mortgages with a variety of terms and rates, along with secured and unsecured personal loans and credit cards. The company has some 800 branches and 15 million members. As other societies convert to public stock holding companies or consolidate with one another, Nationwide remains committed to staying mutual (owned by members) and has only continued to grow in size.

Hills Bank and Trust Company is closed for holidays according to the Federal Reserve holiday schedule. Please keep in mind files cannot be effective or originated on these dates when we are closed. View our Holiday Schedule for a list of closings in 2010.Offerings include deposit accounts, loans, and debit and credit cards. Hills Bank and Trust also administers estates, personal trusts, and pension plans, and provides farm management and investment advisory and custodial services. The bank traces its roots to 1904.

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