VyStar Credit Union has a rich history of financial and community service to people that began in 1952. Because of our members, we have become one of the largest financial institutions in Northeast Florida and among credit unions today. As a sound and forward-thinking organization, VyStar's Board of Directors generously devotes their time and energy to provide your credit union strategic direction, set policy and oversee its management.

Sterling Bancshares, Inc. operates as the holding company of Sterling Bank, which provides commercial and consumer banking services to consumers and small to medium-sized businesses in Texas. The company offers a range of banking services, including demand, savings, and time deposits; commercial, real estate, and consumer loans; merchant credit card services; letters of credit; and cash and asset management services. It also facilitates brokerage, mutual fund, alternative financing, and insurance products through third-party vendors. In addition, the company offers treasury management, specialized lending consisting of energy lending, and private client services; and involves in the purchase of government guaranteed loans and wholesale real estate lending activities. Further, Sterling Bancshares provides investment advisory and pension administration/consulting services. As of December 31, 2009, it served through 58 banking centers in the greater metropolitan areas of Houston, San Antonio, Dallas, and Fort Worth. Sterling Bancshares, Inc. was founded in 1974 and is headquartered in Houston, Texas.

First Keystone Corporation operates as the holding company for First Keystone National Bank that provides commercial banking product and services, and trust services to individuals and small to medium sized businesses in Northeastern and Central Pennsylvania market areas. The company offers various deposit products, which include demand deposits, money market accounts, savings accounts, and time deposits, as well as interest bearing demand deposits, such as NOW accounts. Its loan portfolio comprises commercial, financial, and agricultural loans; real estate mortgage loans; and consumer and other loans. In addition, the company provides personal, corporate, and agency services that include trust investment accounts, investment advisory services, mutual funds, estate planning, management of pension, and profit sharing plans to individuals, corporations, and others. It has 15 branch locations, including 5 branches in Columbia County, 5 branches in Luzerne County, 1 branch in Montour County, and 4 branches in Monroe County, Pennsylvania. The company was founded in 1864 and is headquartered in Berwick, Pennsylvania.

Alliance Bancorp, Inc. of Pennsylvania is the holding company for Alliance Bank (formerly Greater Delaware Valley Savings Bank). The bank has about 10 branch offices that serve individuals and local businesses in suburban Philadelphia's Delaware and Chester counties. It offers standard deposit products such as checking and savings accounts, money market accounts, CDs, and IRAs. Commercial real estate loans (more than 45% of the company's loan portfolio) and residential mortgages (more than 40%) comprise most of the bank's lending activities. Alliance Bancorp was formed in 2007 when the bank converted from mutual ownership to a mid-tier stock holding company structure.

At Simmons First, putting the customer first has been our business since 1903. We opened for business in Pine Bluff, Arkansas on March 23, 1903, and since that time Simmons First is committed to the philosophy that people make a difference. In spite of the changes occurring in technology and electronics, banking is still - in fact, more than ever - a "people" business. We believe our philosophy of putting you, our customer, first has been the key to our success. It's a philosophy that stresses the importance of providing our customers with a warm, friendly and competent staff offering the very best in quality services and products. We appreciate this opportunity to serve you, and we want to earn your business and loyalty by pledging to offer the highest level of service to you on a safe, sound and competitive basis. Simmons First National Corporation currently operates eight affiliate banks that conduct financial operations from 80 offices, located in 40 different Arkansas communities and one community in Missouri.Simmons First offers a variety of financial services including: Personal/Commercial Checking and Savings accounts, Personal/Commercial credit cards, as well as various time deposits. Simmons also offers consumer loans, real estate construction loans and single family residential loans; commercial loans; agricultural loans; and loans to financial institutions. Simmons offers a number of cash management products for business customers, as well as credit card processing (merchant services). Further, the company provides trust and investment management services, as well as securities and investment services.

Beneficial Mutual Bancorp is the holding company for Beneficial Bank, which serves the greater Philadelphia area and southern New Jersey through about 70 branches. Founded in 1853 as Beneficial Mutual Savings Bank, the bank provides traditional deposit products such as checking, savings, and money market accounts; IRAs; and CDs. Commercial real estate loans and residential mortgages together account for more than half of the company's loan portfolio; consumer loans (nearly 30%) and business loans (almost 20%) round out its lending. The bank aims to increase its commercial lending activities.

GS Financial Corp. operates as the savings and loan holding company for Guaranty Savings Bank. GS Financial Corp. provides community banking services to commercial, small business, and retail customers in metropolitan New Orleans area. It offers various transaction and savings deposit products, such as noninterest-bearing demand deposits, NOW and MMDA account deposits, savings deposits, and certificates of deposit. The company also provides secured and unsecured loan products, including one to four family residential, commercial real estate, and construction loans, as well as home equity lines of credit; consumer loans; and commercial loans. It operates six branch offices and a mortgage production office serving southeast corner of Louisiana. GS Financial Corp. was founded in 1937 and is based in Metairie, Louisiana.

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.

Wescom, you're welcome. Through about 30th branches in Southern California, Wescom Credit Union provides checking, savings, and money market accounts, IRAs, savings certificates, home loans, reverse mortgages, auto loans, and Visa credit cards to more than 250,000 member-owners in seven counties. Its Wescom Financial Services division offers trust, investment, and financial planning services, while Wescom Insurance Services sells auto, and home coverage. Wescom’s service is just one of the many things that make us different from the typical banking experience. Whether you go to there branches, call there Member Service Center, or visit them online, we go above and beyond to make sure they’re meeting your needs.

The Commerce Bank of Oregon has one branch in Portland that caters to small businesses, entrepreneurs, and professionals. It serves local residents too. The bank offers standard services, including savings accounts and credit cards. Investment products such as certificates of deposit and money market accounts are provided through affiliate Zions Bank and third-party provider Fidelity. Commercial and industrial loans account for a majority of The Commerce Bank of Oregon's loan portfolio.

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