DZ BANK is the central institution for some 1,000 local cooperative banks, which serve 30 million customers from a combined 12,000 branch offices across Germany. It provides administrative services for its member banks, which are also the company's owners. Additionally, DZ BANK provides corporate banking services including commercial lending for small to midsized businesses, investment banking, structured financing, and private banking. GZ-Bank and DG Bank -- Germany's primary central institutions for cooperative lenders merged in 2001 to create today's DZ BANK.

Santa Lucia Bancorp is home on the range. The Santa Lucia Range, that is. Santa Lucia Bancorp is parent to Santa Lucia Bank, which has four offices that serve San Luis Obispo and Santa Barbara counties along the scenic central coast of California. The bank offers such standard services as checking and savings accounts and credit cards. Commercial mortgages and operating loans, including loans for the development or purchase of vineyards, make up the bulk of its lending activities. One of the company's founding directors, vice chairman Doug Filipponi, owns Filipponi and Thompson Drilling Company, Filipponi and Thompson Vineyards, and Santa Margarita Cattle Company.

National Bancshares Corporation operates as the holding company for First National Bank that provides a range of financial services to individuals and companies in Ohio. The company accepts various deposits, which include checking and savings accounts, regular and money market savings accounts, NOW accounts, and fixed-maturity and fixed-rate certificates. Its loan portfolio comprises commercial loans, commercial real estate loans, construction loans, residential mortgage and home equity loans, and secured and unsecured consumer installment loans. In addition, the company offers debit cards, gift cards, travel cards, travelers` checks, official checks, money orders, ATM services, and individual retirement accounts.

Dominion was founded in 1976. From its headquarters in Los Angeles, California, Dominion lends nationwide on commercial and healthcare related real estate. Each member of our production team are long term employees and are at Dominion to serve your mortgage and financing needs. Recognized as a leader in the mortgage lending industry featured at the Washington DC “Meet the Lenders” Conference and in National Real Estate Investor magazine, Dominion is a past member of the AMA Credit Committee. Dominion employees have written articles for the Mortgage Bankers Magazine, Commercial Mortgage Insight and Business Week Magazine. Dominion is a long standing member of the Mortgage Bankers Association of America.

Northwest Farm Credit Services is an agricultural lender that provides financial services to farmers, ranchers, agribusinesses, commercial fishermen, timber producers, and rural home owners in Alaska, Idaho, Montana, Oregon, and Washington. The cooperatively-owned company has a network of some 45 branches and offers a broad range of flexible loan programs to meet the needs people in the agriculture business. Farm Credit also provides leasing services, appraisal services, and life, mortgage, disability, and crop insurance, as well as legal advocacy and assistance to customers in need.

A state-owned organization, IDBI provides corporate clients funding for expansion, modernization, and diversification of their businesses--including equipment financing, asset credit, corporate loan, and working capital loans. IDBI operates through several subsidiaries: IDBI Bank, IDBI Capital Market Services (financial services), IDBI Intech (information technology), IDBI Gilts Ltd. (bond trading), and IDBI Homefinance (housing financing). Its banking unit also offers traditional deposit and loan services to consumers through a network of more than 680 branches, 450 banking centers, and 1,140 ATMs.

Home Federal Bank originated in 1920 in Middlesboro, Kentucky as the Peoples Building and Loan Association. In those early years, with modest assets and prudent management, we established a record of dependability. In 1961, we became a federally chartered institution. As a means to better serve our customers' needs and to more effectively compete in today's market place, we converted from a mutual institution to a stockholder owned institution in December 1992.

PlainsCapital Corporation is an independent Texas bank holding company and diversified financial services company comprised of three separate operating businesses: PlainsCapital Bank, FirstSouthwest and PrimeLending. PlainsCapital Bank,with $5 billion in assets, is the financial and strategic foundation of this family of companies.

Annapolis Bancorp serves individual and small business customers through about 10 branches in and around the Maryland capital. The bank offers such retail services as checking, savings, and money market accounts; IRAs; and CDs. It also provides private business banking, including cash management and credit products. Its lending activities are composed of commercial mortgages (about 30% of its total loan portfolio), one- to four-family real estate loans (more than 25%), business loans (some 20%), and to a lesser extent, construction and consumer loans.

Wells Fargo & Company, through its subsidiaries, provides retail, commercial, and corporate banking services principally in the United States. The company operates through three segments: Community Banking; Wholesale Banking; and Wealth, Brokerage, and Retirement. The Community Banking segment offers deposit products, including checking accounts, savings deposits, market rate accounts, individual retirement accounts, time deposits, and debit cards. Its loan products include lines of credit, equity lines and loans, equipment and transportation loans, education loans, residential mortgage loans, and credit cards.

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