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.

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.

North Valley Bancorp (NASDAQ: NOVB) is the parent company for North Valley Bank. Since 1973, North Valley Bank has become the largest community bank in Shasta and Trinity Counties. In 2000, that market was expanded by the acquisition of Six Rivers Bank, which serves Del Norte, Humboldt, and Mendocino Counties. In August of 2004, this five-county area was again expanded when North Valley Bank acquired Yolo Community Bank, adding locations in Roseville and Woodland. Ukiah and Santa Rosa followed in April 2005. Currently, North Valley Bank has 24 banking locations throughout Northern California.As North Valley Bank continues to grow, we understand that our growth depends on creating synergy by partnering with families, businesses, and communities. We are committed to achieve that end, and the result is a financial institution that not only models financial strength, but also enjoys a depth of customer loyalty that is rare in today's financial environment.

Cadence Financial is the holding company for Cadence Bank, which operates about 20 branches in the Golden Triangle area of eastern Mississippi, plus about 20 additional locations in Alabama, Florida, Georgia, and Tennessee. The community bank offers standard deposit products such as checking and savings accounts, in addition to trust and investment services. It primarily originates real estate mortgages, which account for more than half of its loan portfolio, but also makes agricultural, business, construction, and consumer loans. Cadence Financial canceled plans to be acquired by Trustmark Corporation in 2010. It will instead be acquired by Community Bancorp, a recently formed bank holding company.

Orrstown Financial Services keeps both paddles in the money pool. The institution is the holding company for Orrstown Bank, which operates some 20 branches in Pennsylvania's Cumberland, Perry, and Franklin counties as well as in Maryland's Washington County. In addition to traditional retail deposit offerings, Orrstown also provides investment management services including retirement planning and investment analysis. Real estate mortgages account for about 40% of the bank's lending portfolio, followed by commercial, construction, and consumer loans. Orrstown is growing its mortgage lending capabilities. It launched an online application system in order to increase mortgage origination sales.

Bank of the Philippine Islands is one of that country's largest lenders. The universal bank has more than 800 branches in its homeland, as well as locations in Hong Kong, Italy, and the US. It provides asset management, mutual funds, electronic banking, and brokerage services in addition to standard commercial and consumer deposits, loans, and credit cards. The bank also performs investment banking services such as corporate finance and advisory. Giant Philippine conglomerate Ayala controls the Bank of the Philippine Islands, which sells insurance provided by other Ayala divisions.

In the late 1880's and early 1900's several associations were organized to make loans on homes and business property and to accept people's savings. Some of the names of these associations were Home Building and Loan Association, Johnson County Building and Loan Association and Buffalo Building and Loan Association. None of these associations were insured by the Federal Savings and Loan Insurance Corporation, and many were short lived.

The Minden Building and Loan Association was chartered by the State of Louisiana in 1910 to service the Minden community and its surrounding areas. The community bank takes great pride in having a local base to better serve all of its customers' loan and deposit needs. In June of 2002, the bank converted its charter to a Mutual Holding Company, in order to provide more and better products and services to our community customers. In 2007, our official name changed to MBL Bank.

Monarch Financial Holdings, Inc. serves the South Hampton Roads area of southeastern Virginia through Monarch Bank, Monarch Mortgage, Monarch Capital, Monarch Investment, and OBXBank. With about 10 offices, Monarch Bank offers standard services, including savings and checking accounts, IRAs, and CDS. Bank subsidiary Monarch Mortgage, formed in 2007, has about a dozen offices. Other divisions sell insurance, title, and investment products. Single-family mortgages make up the largest portion of the company's loan portfolio, which also includes commercial, construction, and land development loans. Monarch Bank division OBX Bank operates in North Carolina's Outer Banks area.

Through a wide network of subsidiaries and affiliates, Arab Bank plc provides financial services in more than 30 countries, not only in the Middle East but also in Europe, Asia, and the Americas as well. Its 500-plus branches offer a long menu of personal, and commercial banking products, including deposit accounts, real estate loans, credit cards, and international trade financing. It also offers a range of investment services, from simple mutual funds to complex investment banking for corporations.

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