Cheltenham & Gloucester (C&G) is a mortgage services and savings account provider with some 165 branches in the UK. Cheltenham & Gloucester is a division of Lloyds Banking Group, which was formed in 2009 when struggling banks Lloyds TSB and HBOS joined forces. Still beset by losses, Lloyds announced plans to close the entire C&G branch network (and cut some 1,660 jobs). Lloyds later said it would sell the mortgage unit rather than shut it down; it will continue to offer C&G-branded services via telephone, mail, or from one of more than 1,800 Lloyds branches. C&G was established as a mutual building society in 1850 and acquired by Lloyds in 1997.

Midland Holdings, we have been operating for years on one guiding principle: "Customers come first". In fact, a ditty was made to induct employees some years ago. It goes like this: "Think customers; be responsive; take initiative; be innovative; work as a team and scale new heights." Employees are guided to offer service that is Prompt, Precise and Professional.

Housing and Finance Association develops and manages affordable apartments and provides financial assistance to renters. Although it functions as an agent for the US Department of Housing and Urban Development, IHFA is a self-supporting, private, not-for profit organization and is not an agency of the State of Idaho. It funds its operations primarily by selling bonds (securities backed by mortgage loans on residential and multifamily properties) to investors.

In August 2005 it acquired A/S Emico, an electrical contracting and servicing operator in Estonia, through its YIT Building Systems subsidiary. The company was borne out of Yleinen Insinööritoimisto YIT, a water supply company that was established in 1912.YIT Corporation provides building, construction, and industrial and network services to customers in Scandinavia, the Baltic states, and Russia. The Finnish company's building systems operations -- including real estate management and building safety features -- are its largest segment. YIT also offers residential and civil construction, water and environmental services, and industrial piping, and marine services

Parkridge Holdings invests in and develops commercial real estate throughout Europe. Its portfolio includes office, high-end retail, residential, entertainment, and mixed-use space, primarily in the UK. Parkridge engages in all aspects of development, from land acquisition and design through development and operation. The group has about 60 projects (valued at some E2.5 billion) under development. Parkridge boasts that repeat customers account for 90% of its business. The group has offices in about 10 European countries, including France, Poland, Russia, and Spain.

Part of real estate finance and investment management company Ladder Capital Group, Ladder Capital Realty Finance will operate as a commercial real estate investment trust (REIT) targeting first mortgage loans secured by income-producing properties. Other investments will include senior commercial mortgage-backed securities (CMBS) and other real estate-related assets. Externally managed by Ladder Capital Realty Finance Manager, an affiliate and indirect subsidiary of commercial finance company Ladder Capital Finance Holdings, Ladder Capital was formed and filed to go public in July 2009. It is currently backed by private equity firms TowerBrook Capital Partners and GI International (GI Partners).

United Capital Corp. engages in the investment and management of real estate properties. The company also operates hotels, as well as manufactures and sells engineered products. Its Real Estate Investment and Management segment invests in and manages real estate properties, as well as engages in making short-term loans secured by desirable properties. This segment owns properties that are leased primarily as department stores, shopping centers, restaurants, and office buildings; and properties available for sale and lease, as well as owns day-care centers in New York City.

Archstone is a recognized leader in apartment operations with a portfolio concentrated in many of the most desirable neighborhoods in the nation. Our communities reside in Washington DC, Los Angeles, San Diego, San Francisco, New York, Seattle and Boston metropolitan areas, to name a few. Backed by industry-leading customer service guarantees, Archstone strives to provide great apartments and great service to our customers.

Folkes Holdings, which has been under family control since 1697 and is now run by Constantine Folkes (see Profile), specialises in commercial property development and investment in the United Kingdom and the Republic of South Africa and the provision of equity or mezzanine finance to third party property developers and landowners.

At Beal Bank, we specialize in offering deposit customers competitive rates on term deposit accounts through certificates of deposit (CDs), money market accounts, and other savings products. All are FDIC insured up to $250,000 per depositor.Beal Bank has been successfully serving savings depositors since its founding in 1988. Headquartered in Plano, Texas, the bank has branches in major metropolitan areas across the nation, with more branches opening in 2010.

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