Univest Corporation of Pennsylvania will keep your money close to its vest. The holding company for Univest National Bank and Trust serves the Keystone State's southeast region. The bank has more than 30 traditional and supermarket branch locations and provides standard retail and commercial banking services. Real estate loans account for nearly 80% of the company's lending portfolio; it also offers business loans, municipal loans, and personal loans. Subsidiaries Univest Capital provides commercial financing, while Univest Investments offers investment advisory services. Univest Insurance offers commercial and personal insurance covering workers' compensation, property, automobiles, life, and health.

Waccamaw Bancshares is the holding company for the Waccamaw Bank, which operates about 15 branches in the coastal Carolina region. With about 15 branch loactions, Waccamaw provides traditional products such as checking and savings accounts and IRAs. It primarily uses funds from deposits to write commercial loans and mortgages, including business loans, construction loans, and land development loans. Hit by an increase in bad loans, the company is working with regulators to raise its capital holdings. It is also tightening up its lending practices.

CDC Small Business Finance, founded in 1978 by Arthur H. Goodman, is a not-for-profit organization stimulating economic development by serving the financing needs of small businesses in California, Arizona and Nevada. Specifically, CDC offers fixed-rate, low down-payment, commercial real estate loans for the purchase of office and industrial buildings. CDC also offers an array of community loan programs focusing on women, minority and veteran-owned businesses – those small businesses that face the greatest obstacles to securing capital. Additionally, in 2005 CDC created the Direct Capital loan programs, which provide financing through Community Reinvestment Fund to help small businesses, including nonprofits, in qualified areas. In 33 years CDC has provided more than $8 billion in SBA-504 financing and other funding, resulting in more than 100,000 jobs. We partner with over 60 private lending institutions that consistently choose us for our expertise, reliability, experience and extraordinary service.

First Citizens Bancorporation is the holding company for First Citizens Bank and Trust Company, which has nearly 200 branches in South Carolina and Georgia, and The Exchange Bank of South Carolina, which has four branches. The banks provide standard products and services for individuals and businesses, including checking and savings accounts, credit cards, investments, and online banking. Residential and commercial mortgages comprise most of First Citizens Bancorporation's loan portfolio. Lease financing and construction, business, land, and consumer loans help to round out the banks' lending activities.

Provident wants to be a prominent force in the New Jersey banking scene. Provident Financial Services owns The Provident Bank, which serves customers in about 10 northern and central New Jersey counties. Founded in 1839, the bank offers traditional deposit and lending products, as well as wealth management and trust services, through more than 80 branches. Residential mortgage loans make up about 35% of the bank's loan portfolio; commercial mortgages are around 25%. Business, consumer, and construction loans help to round out its lending activities. The company's Provident Investment Services subsidiary sells life and health insurance and investment products.

The Bank of Nova Scotia, together with its subsidiaries, provides various financial products and services in Canada and internationally. It operates in three segments: Canadian Banking, International Banking, and Scotia Capital. Its Canadian Banking segment provides retail and small business banking products comprising mortgages, loans, savings and retirement products, credit and debit cards, investments, insurance, and day-to-day banking products to individuals and small businesses; wealth management services consisting of personal investment and advisory products and services, which include retail brokerage, mutual funds, investment management, private banking, and estate and trust services; and commercial banking services, such as products for agriculture, franchising, leasing, real estate and automotive lending, and tailored financing solutions medium to large businesses, as well as deposit and cash management services.

The Chinese economy would be nothing without the People's Bank of China. The central bank controls monetary policy, sets the exchange rate, regulates the gold market, manages the state treasury, and oversees other financial institutions. Like the Federal Reserve System in the US, the People's Bank of China lends money to commercial banks as necessary. It also issues currency. In mainland China, the reminbi is the name of the currency, and the yuan is the base unit (like the dollar). The People's Bank of China operates nine regional branches in addition to its headquarters in Beijing. The bank was established in 1948, and until 1978 it was the only bank in China. It became the country's central bank in 1983.

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.

Village Bank & Trust is the holding company for Village Bank, which has about a dozen branches in the suburbs of Richmond, Virginia. It offers standard services, including deposit accounts, loans, and credit cards. Deposit funds are used to write loans for consumers and businesses in the area; commercial real estate loans, mainly secured by owner-occupied businesses, account for about half of the bank's lending portfolio, which also includes business, construction, residential mortgage, and consumer loans. In 2008 Village Bank & Trust acquired the three-branch River City Bank in a transaction worth more than $20 million.

Macatawa Bank Corporation is the holding company for Macatawa Bank. Since its 1997 founding, the company has grown into a network of about 25 branches serving western Michigan's Allegan, Kent, and Ottawa counties. The bank provides standard services, including checking and savings accounts, CDs, safe deposit boxes, and ATM cards. It also offers investment services and products through an agreement with a third-party provider. With deposit funds, the bank primarily originates commercial mortgages and business loans, which account for approximately 50% and 25% of its loan book, respectively. Macatawa Bank also originates residential mortgages and consumer loans.

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