Flagstar Bancorp, Inc. operates as the holding company for Flagstar Bank, FSB that offers consumer and commercial financial products and services to individuals, and small and middle market businesses in Michigan, Indiana, and Georgia. The company engages in generating deposits and originating loans. Its deposit products include demand deposits, savings and money market accounts, checking deposits, certificates of deposits, municipal deposits, national deposits, and company controlled deposits. The company’s loan portfolio comprises single-family mortgage loans, consumer loans, commercial real estate loans, non-real estate commercial loans, and residential mortgage loans for others. It also originates, acquires, sells, and services one-to-four family residential mortgage loans. Flagstar Bancorp, Inc., through its subsidiaries, acts as an agent for life insurance, health and casualty insurance, and reinsurance companies; and provides online paperless office solutions for mortgage originators. It also engages in holding investment loans, purchasing securities, selling and securitizing mortgage loans, maintaining and selling mortgage servicing rights, developing new loan products, establishing pricing for mortgage loans to be acquired, providing for lock-in support, and managing interest rate risk associated with these activities. As of December 31, 2009, Flagstar Bancorp, Inc. operated 165 banking centers. Flagstar Bancorp was founded in 1987 and is headquartered in Troy, Michigan.

The Brazos Higher Education Service Corporation, Inc. (“Brazos”) is a non-profit service corporation which provides administrative support and management services to a number of independent non-profit corporations each of whom are dedicated to helping students and parents finance the cost of higher education. The Brazos Managed Companies is a term commonly used to describe the independent non-profit companies, collectively, which are managed by Brazos. With the first company founded in 1975, Brazos and the companies it manages have continued forward with the primary purpose of financing higher education. Through the Federal Family Education Loan Program (FFELP) to private student loans, the individual companies have historically acquired pools of student loans through the issuance of student loan revenue bonds or bank warehouse facilities. Brazos and the companies it manages have been the key participants in student loans for over 30 years.

Aiful Corporation provides consumer, mortgage, and guaranteed loans to individuals and business customers in Japan. Aiful operates via more than 900 domestic branches and specializes in consumer credit, credit cards, and small-to-medium enterprise loans. A network of subsidiaries help shoulder the work, including Life (shopping loans and credit), Businext (small business loans), City's (small business loans), Tryto (unsecured loans), and Wide (unsecured loans). Aiful Corporation got its start in 1978 with four branches offering unsecured consumer loans. Struggling with its own debt repayments, Aiful is working on a restructuring plan which could include branch closures and/or payroll cuts.

Banco de Galicia y Buenos Aires (Banco Galicia) is one of Argentina's top three private banks by assets. Through some 350 offices, the bank offers loans to a client base primarily of businesses and individuals. It also provides consumer, corporate, and investment banking; insurance (through its Sudamericana subsidiary); risk management; and credit and debit cards. The bank, founded in 1905, has branches in neighboring Uruguay. Grupo Financiero Galicia, which is controlled by the Escasany, Ayerza, and Braun families, owns a 95% stake in Banco Galicia. The bank is looking to boost lending in the private sector.

Tower Bancorp is the holding company for Graystone Tower Bank, which has about 50 branches in central and southeastern Pennsylvania and neighboring portions of Maryland. The bank offers standard retail products, including checking and savings accounts, money market accounts, and credit and debit cards. It uses funds from deposits mainly to write residential and commercial mortgage loans, which account for more than three-quarters of its loan portfolio. Wealth management services are offered through an agreement with UVEST Financial Services, a division of LPL Financial.

Citizens Holding Company has taken the proletariat approach to banking. The firm is the holding company for The Citizens Bank of Philadelphia, Mississippi, which operates some 20 locations in the eastern part of the state. Founded in 1908, the bank targets individuals and local businesses, offering products such as checking and savings accounts, money market accounts, CDs, IRAs, and trust services. Lending activities consist mostly of real estate loans (about 70% of the loan portfolio) and commercial, industrial, and agricultural loans (more than 10%). Citizens Holding offers discount brokerage services through an agreement with First Tennessee Bank. Subsidiary Title Services offers title insurance.

Export Development Canada (EDC) is trying to erase borders in a way. EDC provides a variety of financial services, including lending, insurance, and risk management, to help exporters and investors in Canada to expand their international business. It also performs financial reporting and economic analysis. The agency serves more than 8,000 companies annually, a majority of them small businesses. Created in 1944 as an official export credit agency, EDC is wholly owned by the Canadian government. It operates as a self-sustaining commercial entity, but it is accountable to Canada's Minister of International Trade and the Canadian Parliament.

Promise can't promise you'll be able to buy anything you desire in the world, but it'll help you get some of the stuff you want. The largest consumer credit company in Japan, Promise provides customers with loans and credit products with a range of interest rates. Promise sells its loans directly and through subsidiaries, and customers can get hooked up with money through automatic contract machines (ACMs, which are not unlike ATMs), branch locations, over the telephone, via the internet, and through the mail. Sumitomo Mitsui Financial Group owns 20% of Promise.

First Busey Corporation sure stays busy. It's the holding company for Busey Bank, which has more than 40 branches in Illinois, Florida, and Indiana. The bank offers standard deposit products and services; it uses funds from deposits to originate loans, primarily real estate loans and mortgage. First Busey also owns nonbanking subsidiaries. Busey Wealth Management provides asset management, trust, brokerage, and related services individuals, businesses, and foundations; it has some $3.4 billion under management. Another subsidiary, FirsTech provides payment processing services. Most of Busey Bank's branches are located in central Illinois.

Aries Capital is a full-service mortgage banker specializing in structured financing for commercial projects including hotels, office buildings, and apartment buildings. Its offerings include fixed and adjustable rate mortgages, typically ranging from $3 million to $100 million, as well interim funds and smaller multifamily residential loans. Through Aries Real Estate Fund, Aries Capital, LLC provides mezzanine and bridge financing; Urban Development Fund finances projects that will benefit underserved communities. Aries Capital, LLC operates nationwide through offices in Chicago, Denver, Houston, and Phoenix. Aries Capital has funded more than $3 billion in real estate developments in the past decade.

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