National Bankshares is the holding company for National Bank of Blacksburg (National Bank for short), which serves consumers and small business in southwestern Virginia through about two dozen branches. The community bank's services include deposit accounts, credit cards, and personal and corporate trust services. Commercial mortgages, including loans secured by college housing and professional office buildings, account for more than half of National Bankshares' loan portfolio; residential mortgages make up more than a quarter. To a lesser extent, the bank also writes business, construction, and consumer loans. Another subsidiary, National Bankshares Financial Services, provides investments and insurance.

Hometown Banking Returns to Oak Ridge"-this announcement was made in 1995 when 21 organizers and many local citizens combined their efforts to open the first locally owned commercial bank in Oak Ridge since 1953. That effort has evolved into a local business with more than 700 shareholders, almost $7 million dollars in capital and earnings of over one half million for 2001. Total assets exceeded $122 Million as of October 31st, 2004. As the bank continues to bring Hometown Banking to new customers each year. TNBANK is fortunate to have dedicated employees, a strong board of directors, and the trust and support of its community. Our growth and increasing profitability has enabled us to expand our services and our geographic coverage. TNBANK wants to help people expand businesses and own homes.

Eagle Bancorp would recommend its community-oriented EagleBank subsidiary. The bank serves businesses and individuals through more than a dozen branches in Washington, DC, and its suburbs. Deposit products include checking, savings, and money market accounts; certificates of deposit; and IRAs. Commercial, residential, and construction real estate loans combined represent about 70% of its loan portfolio. The bank, which has significant expertise as a Small Business Administration lender, also writes business, consumer, and home equity loans.

Citibank A. S.,the commercial and consumer bank offers many of its parent Citigroup's standard products and some tailored for the market. For businesses Citi Turkey provides loans, financing, foreign trade finance, and cash management. Its consumer group offers personal loans, credit cards, local and foreign currency deposit products, and local and offshore mutual funds. The company conducts programs to educate its customers on starting and running a business, and on personal finance and saving. It has about 60 branches, mostly in Istanbul. Citi came to Turkey in 1975.

Slovenska sporitea (translates as Slovak Savings), the largest commercial bank in Slovakia, provides commercial and international banking services from more than 300 branches throughout the Slovak Republic. It offers its individual customers standard deposit products, credit cards, loans and mortgages, and investment funds. Its private banking arm provides asset management services. Slovenska sporitea also serves commercial clients ranging from entrepreneurs and small businesses to large and multi-national corporations. The bank is a wholly-owned subsidiary of Austria's oldest bank, Erste Bank.

Bank of India is one of the nation's largest private banks. The bank has around 2,900 branches in India and about 30 foreign offices in the Channel Islands, China, France, Hong Kong, Indonesia, Japan, Kenya, Singapore, the UK, US, West Indies, and Vietnam. International operations account for about 20% of the bank's business. Besides savings, checking, credit cards, and ATM services, the bank offers personal loan services including mortgage, car, and vacation loans. The bank's branches specialize in different areas: corporate banking (credit) overseas branches (foreign exchange), NRI offices (expat Indians). Other branches offer capital markets operations, asset recovery, and agriculture and lease financing.

Kish Bancorp, Inc. is an independent, locally-owned and managed financial holding company operating 12 banking offices and financial centers in Mifflin, Centre, and Huntingdon Counties in Central Pennsylvania. Kish Bancorp and its principal banking subsidiary, Kish Bank, have earned a long-standing reputation for providing unmatched personal service and exceptional value to its individual and business customers. Through our bank and non-bank subsidiaries, including Kish Bank, Kish Insurance, Kish Financial Solutions, and Kish Travel, Kish Bancorp employs over 170 people and offers a full range of banking, insurance, and financial services for individuals, professionals, businesses, and farmers.

Deutsche Bank PBC (DB PBC) is the company's personal banking counterpart to investment arm Deutsche Bank Polska. Its personal and small business services include savings and checking accounts, credit cards, loans, foreign exchange, investments, and asset management. Customers can access their accounts at about 80 branches throughout Poland, by phone, and online. Another 100 shops display the db kredyt name, which is the company's consumer loan brand. DB PBC was formed in 2001 when the parent combined its previous operations with Bank Wspólpracy Regionalnej.

A financial group with international aspirations, Bank of Cyprus provides banking and financial services on the Mediterranean island of Cyprus (about 145 branches), in Greece (some 160 branches), and through its 80%-owned Uniastrum Bank, in Russia (more than 200 branches). The company also operates in the UK, the Ukraine, Romania, Canada, South Africa, the Channel Islands, and Australia. In addition to retail and commercial banking services, Bank of Cyprus and its subsidiaries offer asset management, investment banking, factoring, leasing, credit card processing, property investment, and insurance services. The bank was founded in 1899.

1N Bank is a true Chester County community bank. With local decision making and dedicated and highly knowledgeable staff, we are able to understand and anticipate the complete needs of our clients and deliver personalized solutions. Our comprehensive menu of services includes personal banking, business banking, and wealth management.

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