Southern First Bancshares operates in two markets: Greenville, South Carolina, where it operates under the Greenville First Bank moniker, and in Columbia, South Carolina as Southern First Bank. Selling itself as a local alternative to larger institutions, the company, which has more than five bank branches, targets individuals and small to midsized businesses. It offers traditional deposit services and products, including checking accounts, savings accounts, and CDs. The banks use funds from deposits mainly to write commercial mortgages, residential mortgages, and commercial business loans.

State Employees' Credit Union provides corporate information and publications to our members, as well as the general public. Find out about our involvement in the community and current career opportunities at the Credit Union operates more than 225 offices and has more than 1.5 million members in North Carolina. The member-owned non-profit credit union offers standard deposit products such as checking, savings, and money market accounts; individual retirement accounts; and term certificates. Its lending activities include home mortgages, car loans, and personal loans. SECU, which was founded in 1937 to serve state employees and their families, also sells auto and homeowners insurance, as well as term life, health and long-term care coverage.

Impact Holdings (UK) plc company provides short-term loans for legal expenses in personal injury lawsuits. Though the loan is made to the individual claimant, funds are paid to the claimant's law firm to cover expenses such as legal advice, expert medical reports, and engineering studies. Subsidiary Impact Bridging Solutions provides bridge loans secured by residential or commercial property. The loans are made to property developers and investors to cover activities such as renovating a property, buying from auction, and development site purchase.

Founded in 1942, the Tochigi Bank offers banking services to the Tochigi Prefecture in Japan (located about 60 miles north of Tokyo). Through more than 90 branches and 4 consolidated subsidiaries, Tochigi Bank offers conventional financial services products such as savings, lending, portfolio advisement, leasing, housing loan guarantees, credit cards, and foreign and domestic exchange services. The Tochigi Prefecture has developed into a production nucleus for agricultural and forestry products; as a result, the bank targets customers residing in these key sectors for assistance.

Johnson Capital Group, Inc. company provides commercial real estate advisory services, helping property developers and investors access and structure capital. Johnson Capital Group specializes in debt and equity placement for construction and acquisitions; it participates in transactions for all types of commercial real estate including office, retail, multifamily, industrial, hospitality, and mixed-use properties. It also provides in-house servicing. Established in 1987, the firm has some 20 offices in the US, as well as offices in Mexico and Spain and operations in India and Dubai.

CVB Financial is into the California Vibe, Baby. The holding company's Citizens Business Bank offers community banking services to primarily small and midsized businesses, but also to consumers through some 50 branches and commercial banking centers in nine central and southern California counties. Its deposit products include checking, money market, and savings accounts, as well as CDs. Commercial real estate loans account for more than half of the bank's loan portfolio, which is rounded out by business, consumer, and construction loans; residential mortgages; dairy and livestock loans; and municipal lease financing.

Dwinn-Shaffer & Company wants to match you a match, find you a find, catch you a catch. For some 40 years, this Chicago-based mortgage broker has been in the business of matching borrowers, such as real estate developers, with lenders, including insurance companies, pension funds, banks, and credit companies. It provides funding for first and second mortgages, corporate financing, joint venture financing, equity lending, securitizations, and equipment leasing. Dwinn-Shaffer is also a Fannie Mae Prior Approval lender. Affiliates Dwinn-Shaffer Development Company and BNG Management Company augment the firm's mortgage banking business with real estate development and property management services.

Jeffersonville Bancorp is the holding company for The First National Bank of Jeffersonville. The bank serves businesses and consumers through about 10 locations in southeastern New York's Sullivan County. First National Bank of Jeffersonville offers such standard retail services as demand deposit, savings, and money market accounts; NOW accounts; CDs; and IRAs to fund a variety of loans. Nearly 40% of the bank's loan portfolio consists of residential mortgages, while commercial mortgages account for another 35%. The bank also provides home equity, business, consumer, construction, and agricultural loans.

Techcombank serves primarily individuals and small to medium businesses. It offers deposit products, loans, leasing, cash management, and other financial services. The company offers insurance through Bao Viet Life. Founded in 1993, Techcombank has more than 130 branches throughout Vietnam -- the second-largest network in the country. It plans to operate 200 locations by 2010. International banking giant HSBC owns 20% of Techcombank; the two banks also have numerous cooperative alliances.

As one of China's Big Four banks, China Construction Bank (CCB) has historically concentrated on providing medium- and long-term loans to large domestic corporations in the oil and gas, power, telecommunications, and infrastructure industries. As such, corporate banking makes up more than half of revenues. CCB is increasingly lending to small and midsized businesses, foreign multinationals, and consumers (a segment that represents about a fifth of its revenues). The bank operates some 13,600 domestic branches, which offer standard deposit products, credit cards, and home and auto loans. CCB also provides asset management and investment banking services. China's government owns about 58% of CCB.

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