As one of Portugal's largest banks, CGD(Caixa Geral de Depositos,along with its numerous subsidiaries and affiliates) offers a wide range of products and services in addition to commercial banking, including investment banking, venture capital, asset management, insurance, and credit services. In the retail sector, CGD concentrates on such traditional products as savings accounts, mortgage loans, and credit cards. The bank has more than 800 Portuguese offices, as well as about 370 in other countries (including Cape Verde, East Timor, France, Luxembourg, Macao, Mozambique, South Africa, Spain, the UK, and the US).

Headquartered in Korea's second-largest city, Busan, a port and logistics center, Busan Bank operates more than 200 branches in its domestic network. Most of its borrowers are corporate clients, primarily in businesses in the manufacturing, retail, and wholesaling sectors. The bank has lent some 300 billion won to help companies specifically challenged by high prices for raw materials and the Asian bird flu epidemic. Besides deposits and loans, the bank offers services in wealth management, insurance, and mobile banking. Busan Bank was founded in 1967.

Xponential, Inc., through its subsidiary, PawnMart, Inc., operates as a finance and retail company in the United States. Xponential, Inc. engages in the establishment and operation of stores, which advance money secured by the pledge of tangible personal property, as well as in buying and selling pre-owned merchandise. As of June 30, 2009, it owned and operated 25 pawn stores located in Georgia and North Carolina. The company, through its 12.13% interest in Capital Financial Holdings, Inc., also provides investment products and services to independent investment representatives, financial planners, and investment advisors. Xponential, Inc. was formerly known as PawnMart, Inc. and changed its name to Xponential, Inc. in February 2003. Xponential, Inc. was incorporated in 1994 and is headquartered in Norcross, Georgia.

Oritani Financial could give an oratory on local banking in New Jersey. The holding company owns Oritani Bank (formerly Oritani Savings Bank), which offers retail and commercial deposit and loan banking services from about 20 locations in three Garden State counties. Oritani Financial specializes in multi-family and commercial real estate lending, which make up more than half of its loan portfolio. Oritani Financial also writes one- to four-family and second mortgages, as well as equity and construction loans. It invests in real property through its Hampshire Financial, Oritani LLC, and Ormon divisions; Oritani Asset is a real estate investment trust (REIT).

University of Texas at Austin, University Federal Credit Union (UFCU) has about 10 branches in Austin, with other locations in the Texas communities of Galveston, Round Rock, and Taylor. Serving UT students, alumni, and employees, as well as other residents around Texas' capital city, the credit union provides such financial services as checking and savings accounts, IRAs, money market accounts, home and consumer loans, credit and debit cards, financial planning, brokerage, and insurance.

Roma Financial Corporation may have Italian roots, but its branches are in good ol' American capitalism. The holding company owns Roma Bank, which was founded in 1920 by Italian immigrants in New Jersey and now operates about two dozen branches in that state's Burlington, Mercer, and Ocean counties. It offers the usual personal and commercial services, such as checking and savings accounts, CDs, business and consumer loans, and credit and debit cards. The company established RomAsia bank in 2008. Two years later, it added 10 branches to Roma Bank's network through its $14.7 million acquisition of Sterling Banks. Mutual holding company Roma Financial Corporation, MHC, owns some 70% of Roma Financial.

Union National Financial jumps for Mount Joy! The holding company owns Union National Community Bank, which serves the communities in and around Mount Joy, Pennsylvania. Through about a dozen branches, the bank provides standard retail products and services including checking accounts, money markets, CDs, and IRAs. It uses funds from deposits largely to write large commercial loans and mortgages, which account for more than half of the bank's loan portfolio. In 2009 the company shut down subsidiary Union National Insurance Agency, which offered insurance-related products to the bank's customers. Donegal Financial Services, holding company of the three-branch Province Bank, plans to buy Union National Financial.

Independent Bank Corporation is the holding company for Independent Bank, which serves Michigan's Lower Peninsula from more than 100 branches and a handful of loan production offices. Independent Bank provides retail and commercial banking services including mortgage lending and wealth management. Commercial loans account for about a third of its loan portfolio, followed by mortgages and consumer installment loans. The company also owns Mepco Finance, which acquired payment plans for extended automobile warranties, and Independent Title Services.

Cecil Bancorp, Inc. operates as a holding company for the Cecil Bank, which provides commercial banking services to individuals and businesses. The company’s deposits include savings accounts, certificates of deposit, regular checking accounts, NOW accounts, passbook accounts, and money market deposit accounts. It offers various loan products, including one to four family residential real estate lending, construction and land loans, multi family and commercial real estate lending, commercial business loans, and consumer loans, including automobile loans, deposit account loans, home improvement loans, and other consumer loans. The company also offers various brokerage and investment services. It operates through its offices and branches in Elkton, North East, Fair Hill, Rising Sun, Cecilton, Aberdeen, Conowingo, and Havre de Grace, Maryland. Cecil Bancorp, Inc. was founded in 1959 and is based in Elkton, Maryland.

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

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