TowneBank is ready to serve you in southeastern Virginia and northeastern North Carolina. The bank, which has more than 25 branches, offers such standard deposit products as checking and savings accounts, certificates of deposit, IRAs, and money market accounts. Subsidiaries provide insurance, investments, residential real estate brokerage, mortgage products, and employee benefit services. Real estate loans, including commercial mortgages, construction loans, and residential real estate loans make up most of the bank's portfolio, which also includes consumer installment and business loans. TowneBank was founded in 1999.

Osage Federal Bank, founded in 1918, is a federal stock savings bank located in Oklahoma. The original name was National Building & Loan and was changed to Osage Federal Savings & Loan in 1935 when a federal charter was obtained. The savings and loan charter was changed to a stock savings bank charter in 2004 and the name changed to Osage Federal Bank. Osage Federal Bank has been a leader in mortgage lending, and offers a wide variety of loans for the purchase, refinance or improvement of real estate. Osage Federal Bank also makes commercial real estate loans and consumer loans. Osage Federal Bank serves Oklahoma with a staff of dedicated bankers. A wide array of deposit and savings accounts are offered. Our ATM's offer convenience and service 24 hours a day, 7 days a week. Osage Federal Bank has seen tremendous growth the past few years, and we attribute that to a strong local economy, great service, and a reputation for dependability and friendliness. Osage Federal Bank also offers telephone banking named "Call Katy". We have a dedicated Board of Directors who provide strategic planning and direction for the bank. We look forward to the future and intend to continue our banking excellence in the communities that we serve.

Standard Chartered PLC provides consumer and wholesale banking products and services to individuals, small and medium enterprises, corporate, and institutional customers. It offers savings accounts, demand drafts, foreign exchange services, safe deposit boxes, and telegraphic transfers; personal loans and mortgages; credit cards; life, savings and retirement planning, health and medical, home, motor, and travel insurance; and investment advisory and international banking services. The company also provides private and priority banking; cash management, treasury services; trade finance and working capital, including import, export, and cross-border financing services; business installment loans and mortgages; transaction banking, financial markets, and corporate finance services; custody services; and Saadiq Islamic banking services, as well as Internet banking services. As of December 31, 2009, it operated approximately 1,700 branches and outlets, and 5,679 ATMs primarily in India, Hong Kong, Singapore, South Korea, Malaysia, Africa, the Americas, and Europe, as well as in the United Arab Emirates, Bahrain, Qatar, Oman, Jordan, Lebanon, Pakistan, Bangladesh, and Sri Lanka. The company was founded in 1853 and is headquartered in London, the United Kingdom.

Hudson City Bancorp, Inc. operates as the bank holding company for Hudson City Savings Bank that provides a range of retail banking services. It offers a range of deposit accounts, including passbook and statement savings accounts, interest-bearing transaction accounts, checking accounts, money market accounts, and time deposits, as well as IRA accounts and qualified retirement plans. The company’s loan portfolio primarily comprises one-to four-family first mortgage loans for residential properties; multi-family and commercial mortgage loans; construction loans; and consumer loans, such as fixed-rate second mortgage loans and home equity credit line loans, as well as collateralized passbook loans, overdraft protection loans, automobile loans, and secured and unsecured commercial lines of credit. As of December 31, 2009, it operated 95 branches located in 17 counties throughout the State of New Jersey; 10 branch offices in Westchester County, 9 branch offices in Suffolk County, 1 branch office each in Putnam and Rockland Counties, and 6 branch offices in Richmond County; and 9 branch offices in Fairfield County, Connecticut. Hudson City Bancorp, Inc. was founded in 1868 and is based in Paramus, New Jersey.

Carolina Trust Bank serves southwestern North Carolina through about a half-dozen locations. It provides a variety of commercial and personal financial services including checking and savings accounts, IRAs, CDs, and credit cards. The bank is mainly a real estate lender, with one- to four-family residential mortgage, commercial real estate, construction, and land development loans comprising most of its portfolio. The company acquired the single-branch Carolina Commerce Bank in 2009. Carolina Trust was founded in 2000.

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.

First Franklin Corporation operates as the holding company for The Franklin Savings and Loan Company that offers a range of banking products and services in Ohio. Its deposit products include savings accounts, checking accounts, money market accounts, fixed interest rate certificates of deposit with varying maturities, and individual retirement accounts. The company offers conventional first mortgage loans for the purpose of purchasing, refinancing, or constructing one-to four-family residential real property; multi-family residential and nonresidential real estate loans; consumer loans for personal, family, or household purposes, as well as for automobiles, boats, recreational vehicles, and education; and home equity and commercial lines of credit. It also invests in mortgage-backed securities and collateralized mortgage obligations, as well as offers credit card, automated teller machine, voice response telephone inquiry system, and Internet-based banking system services. First Franklin Corporation operates one office in Cincinnati, Ohio; and seven full service branches in Hamilton County, Ohio. First Franklin Corporation was founded in 1883 and is based in Cincinnati, Ohio.

Skandinaviska Enskilda Banken (SEB) operates through four divisions: merchant banking, retail banking, asset management, and life insurance (Trygg Liv) through some 670 offices in a dozen countries, primarily nations in Northern Europe. SEB also has offices in such money centers as London, Paris, Shanghai, and Singapore. SEB's merchant banking division targets large corporations and other financial institutions. Business offerings include cash management, financing, foreign exchange, leases, credit card services, and payroll administration. SEB offers individuals mortgages, auto loans, credit cards, and other products.

ESL Federal Credit Union was known as Eastman Savings and Loan until 1996 when it changed its charter from a thrift to a credit union. The company has about 20 branches in upstate New York that offer deposit accounts, credit cards, insurance, and investment products. It originates consumer loans and mortgages, including automobile, boat, and home improvement loans. The credit union has some 290,000 members; membership is available to employees and retirees of Eastman Kodak and its subsidiaries as well as a handful of other employer groups and residents of Rochester, New York.

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.

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