Nara Bank is committed to bringing positive change to the diverse communities we serve, consistent with the requirements of the Community Reinvestment Act (CRA). When it became apparent that low-income communities and individuals were being overlooked by financial institutions, Congress established CRA in 1977 to encourage banks to meet the needs of the entire communities they serve, including low and moderate-income areas. Nara Bank embraces the spirit and intent of CRA and maintains a "Satisfactory" CRA rating issued by the Federal Reserve Bank.Our business strategy is to promote economic growth and create a positive change within the underserved and low-to-moderate income communities we serve. Nara Bank, designated as a "Preferred Lender" by the Small Business Administration, provides SBA 504 and 7a loans in addition to its own lending programs targeted to small and minority-owned businesses. Investments and grants are extended to meet a variety of needs within our communities, including affordable housing, education, financial literacy, and social services. In 2001 Nara Bank made a $1,000,000 ten year commitment to the Nara Scholarship Foundation, whose mission is to provide scholarships to high school seniors demonstrating financial need as well as academic excellence. Working to be an integral part of our community, Nara Bank employees enthusiastically volunteer their time and expertise at bank-sponsored seminars for small businesses, financial literacy workshops, and other local area events

Southern Michigan Bancorp is the holding company for Southern Michigan Bank & Trust, which operates about 20 branches in a primarily rural area near Michigan's border with Indiana and Ohio. The bank provides standard deposit services, such as checking and savings accounts, money market and heath savings accounts, CDs, and IRAs. It originates commercial, financial, agricultural, consumer, and mortgage loans. The banks also offers trust and investment services. Southern Michigan Bank & Trust got its start in the room of a hotel named Southern Michigan Hotel in 1872.

Oxford Bank Corporation is the holding company for Oxford Bank, which has provided residents of eastern Michigan a home for their money for more than 125 years. It has nearly 10 branches, as well a lending center and commercial banking office, in communities north of Detroit. Serving consumers and local businesses, the bank offers standard products and services such as checking and savings accounts, CDs, credit cards, and investments. It also offers real estate, construction, and business loans. Its residential mortgage loan portfolio was pounded by the economic downturn, and as a result the company suffered losses. However, Oxford cut costs and began seeing improvements as the market recovered.

FedFirst Financial Corporation operates as the holding company for the First Federal Savings Bank, which provides various banking and financial services to individuals and businesses in its market area. FedFirst Financial Corporation company provides deposit products, which include noninterest-bearing demand deposits, such as checking accounts; interest-bearing demand accounts, including NOW and money market accounts; statement savings accounts; and certificates of deposit comprising individual retirement accounts. Its loan products include residential mortgage loans, commercial and multi-family real estate loans, construction loans, commercial business loans, and consumer loans, including home equity lines of credit, home equity installment loans, loans on savings accounts, and personal lines of credit and installment loans. FedFirst Financial Corporation also operates as an insurance agent offering property and casualty, commercial liability, surety, and other insurance products. It operates nine banking offices in Fayette, Washington, and Westmoreland counties, Pittsburgh. FedFirst Financial Corporation was founded in 1922 and is based in Monessen, Pennsylvania. FedFirst Financial Corporation is a subsidiary of FedFirst Financial Mutual Holding Company.

SCBT Financial is the holding company for South Carolina Bank and Trust and South Carolina Bank and Trust of the Piedmont (both are also known as SCBT), which operate more than 40 branches throughout the Palmetto state. The company also owns North Carolina Bank and Trust, or NCBT, which has three locations in the Charlotte area. SCBT Financial entered northern Georgia in 2010 when it acquired the failed Community Bank & Trust in an FDIC-assisted transaction; the deal added nearly 40 locations, most of them inside supermarkets, though SBCT later shuttered several of them. Serving retail and business customers, the banks provide deposit accounts, loans, and mortgages, as well as trust and investment services.

One of China's largest commercial banks, China CITIC Bank offers corporate, small business, and retail banking and financial services, including business accounts, personal savings accounts, loans, asset management, and private banking. The bank operates primarily in China through a network of more than 600 branches, many of which are located in China's coastal regions and major economic centers. To a lesser extent, China CITIC serves select international markets as well. Founded in 1987, the bank is majority-owned and controlled by state-owned investment firm CITIC Group.

Organized on June 27, 1911, Home Savings Bank has experienced growth and stability while in financial partnership with the people of Stanly County for nearly a century. From the days when our office was housed in small quarters and only open on Saturdays, to today's operations housed at our Albemarle and Locust locations, excellent customer service to our local community has been the focal point in directing Stanly County's oldest financial institution. Below is a condensed outline highlighting some of the history and development of Home Savings Bank.

Canadian Western Bank offers banking products and services to businesses and individuals through about 40 branch offices in western Canada; more than 80% of its loans are made in British Columbia and Alberta. The bank's consumer services include residential mortgages, consumer loans, and deposit products. Its Canadian Direct Insurance unit offers home, auto, and travel coverage. Canadian Western Trust provides investment and trust services, while Valiant Trust performs corporate trust, stock transfer, and employee benefit plan services.

NorthMarq Capital helps investors make their marq in real estate. The firm provides investment banking, brokerage, property management, construction management, and financing services for commercial real estate owners and investors. Operating from more than 30 offices throughout the US, NorthMarq offers a variety of transactions including fixed- and variable-rate mortgage, bridge loans, and mezzanine debt. The company services more than $35 billion worth of loans on behalf of institutional investors. It also manages some 50 million sq. ft. of commercial space. NorthMarq Capital was originally founded in the 1950s as Northland Mortgage. The company is owned by the Pohlad family through Marquette Financial.

Established in 2001, Tokyo Star provides a range of retail banking and corporate finance services. Its retail operations boast about 35 domestic branches and more than 2,300 ATMs throughout the country. Non-recourse loans and mortgages, as well as loans to the health care, environmental, and shipping markets, are among its most popular offerings. Japan-based buyout outfit Advantage Partners bought Tokyo Star Bank, including the nearly 70% stake held by US-based Lone Star Funds, in 2008.

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