Citizens Community Bancorp is the holding company for Citizens Community Federal, a community bank with about two dozen branches in Wisconsin, southern Minnesota, and northern Michigan. Serving consumers and businesses, the bank offers standard deposit services such as savings, checking, money market, and retirement accounts, as well as a variety of loan products. The bank focuses its lending activities on one- to four-family mortgages, which represent more than half of its loan portfolio. The bank also offers consumer loans such as auto and personal loans; it does not routinely make commercial loans. Founded in 1938, Citizens Community was a state-chartered credit union until 2001.

Axis Bank Limited,the private bank offers retail and corporate banking services through more than 800 branches and about 3,500 ATMs in India. Axis Bank also has branches in China, Hong Kong, Singapore, and United Arab Emirates. Its retail banking group offers deposit accounts and auto, home, and other personal loans to individuals and small businesses; its corporate unit targets larger businesses with working capital loans, trade and warehouse financing, and cash management services. Axis Bank provides other products, including credit cards, mobile banking, and online tax payments. The bank offers insurance products through partnersips with Bajaj Allianz General Insurance and MetLife India.

Home City Financial is where the heartland is. Home City is the holding company for Home City Federal Savings Bank of Springfield, a two-branch thrift serving Clark County in southwestern Ohio. The bank offers standard deposit products including checking and savings accounts, NOW accounts, individual retirement accounts, and certificates of deposit. Residential mortgages (nearly half of the company's loan portfolio) and commercial real estate loans (almost a quarter) are its primary lending focus; the bank also makes business, consumer, land, construction, and multifamily real estate loans. The company plans to go private through a reverse stock split.

Fulton Financial is simply full of banks. The multibank holding company owns eight community banks, which together operate about 270 branches in rural and suburban areas of eastern Pennsylvania, Delaware, Maryland, New Jersey, and Virginia. Most of its banks maintain a local identity. Their products include checking and savings accounts, CDs, IRAs, and credit cards. Commercial loans and mortgages account for about two-thirds of the company's loan portfolio. Home loans are available through its Fulton Mortgage Company subsidiary. Other nonbank units include investment management and trust services provider Fulton Financial Advisors and Fulton Insurance, an agency selling life insurance and related products.

Eagle Bancorp would recommend its community-oriented EagleBank subsidiary. The bank serves businesses and individuals through more than a dozen branches in Washington, DC, and its suburbs. Deposit products include checking, savings, and money market accounts; certificates of deposit; and IRAs. Commercial, residential, and construction real estate loans combined represent about 70% of its loan portfolio. The bank, which has significant expertise as a Small Business Administration lender, also writes business, consumer, and home equity loans.

Lafayette Community Bancorp operates as the holding company for Lafayette Community Bank, which offers commercial banking services primarily in Tippecanoe County, Indiana. The banks deposit activities consist of noninterest bearing and interest bearing demand deposits, savings accounts, money market accounts, certificates of deposit, time deposits, and individual retirement accounts.

ESB Financial Corporation (NASDAQ: ESBF), a publicly traded financial services company, provides a wide range of retail and commercial financial products and services to customers in Western Pennsylvania though its wholly owned subsidiary, ESB Bank. ESB Financial Corporation was founded in 1915 as the Ellwood Federal Savings and Loan Association with a single location in Ellwood City, Pennsylvania. In 1990, the Company became a Public Company through its Initial Public Offering. Growth through acquisition began with the acquisition of ESB Bancorp, Inc in 1994 and continued with Troy Hill Bancorp, Inc. in 1996, SHS Bancorp, Inc. in 1999, WSB Holding Company in 2001 and PHSB Financial Corporation in 2004. Today, ESB Bank conducts business through 24 offices in Allegheny, Beaver, Butler and Lawrence counties, Pennsylvania.

Since 1954, First Federal has been dedicated to the economic well-being of the customers and communities it serves. With deep roots in mortgage lending, First Federal was originally known as the premier partner for those needing a home in the Clarksville area. Guided by a group of local business people, the institution recognized the bank could only be as strong as the community it served. First Federal then hired and trained local employees, many of whom grew with the organization for decades. And building on its success with single-family dwellings, First Federal has turned to financing multi-family housing, construction and small business loans. Today, as an independent community bank, we are in a position to offer a broad range of financial services and unparalleled convenience. We can proudly say we have the strength and capacity to support the growth and success of both individuals and companies throughout the state.

The Hokuetsu Bank, Ltd.,the regional bank's nearly 90 offices serve the individuals and businesses of the Niigata prefecture, which is rebounding from a flood and earthquake (in 2004) and a record snowfall (in 2005). The bank primarily operates within Niigata, but also has locations in Gunma, Saitama, and Tokyo. In addition to traditional banking services, Hokuetsu Bank and its subsidiaries are active in credit cards, credit guarantee, data processing, leasing, and economic research.

Mediolanum (the Latin name for Milan) is a financial services holding company with more than a million customers. Its primary subsidiary, Banca Mediolanum, employs some 5,800 financial advisors (called Family Bankers) who offer customers traditional banking products, as well as insurance, retirement products, and asset management services provided by other Mediolanum companies. Most of Mediolanum's operating units are based in northern Italy, although the company has expanded into Spain (it owns Spanish bank Fibanc) and other parts of Europe.

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