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PHH Corporation provides mortgage and fleet management outsourcing services in the United States and Canada. PHH Corporation Mortgage Production segment originates, purchases, and sells mortgage loans, including PHH home loans; and offers private label mortgage services to financial institutions and real estate brokers, as well as provides appraisal, credit research, flood certification, and tax services. PHH Corporation Mortgage Servicing segment involves in collecting loan payments; remitting principal and interest payments to investors; and managing escrow funds for payment of mortgage-related expenses, such as taxes and insurance. PHH Corporation also services mortgage loans, purchases mortgage servicing rights (MSRs), and acts as a subservicer for clients that own the underlying MSRs, as well as provides reinsurance services. PHH Corporation was founded in 1946 and is based in MT. Laurel, New Jersey.

POCKET CARD CO., LTD. is the Tokyo-based financial services. POCKET CARD CO., LTD. provides credit cards, smart cards, loans, leasing, life insurance, and travel services to customers through roughly 200 automated terminals and staffed locations across Japan. POCKET CARD CO., LTD. sells its services through former parent MYCAL Group's SATY and VIVRE fashion and food stores, but is rapidly expanding via non-MYCAL outlets. POCKET CARD CO., LTD. credit cards are accepted at MasterCard locations in Japan and abroad. Sanyo Shinpan Finance Co. owns more than 50% of POCKET CARD's common stock; ITOCHU Finance Corp. is its second largest shareholder.

RBS Card Services (formerly RBS National Bank) is the credit card unit of Citizens Financial Group, the US banking arm of UK-based financial services giant Royal Bank of Scotland Group. RBS Card Services offers MasterCard Platinum credit card products to consumers and businesses through Citizens Bank and Charter One Bank branches, as well as via direct marketing and the Internet. The cards offer supplemental benefits such as auto rental insurance, emergency roadside assistance, and other related purchase protection products. RBS Card Services also sells payment insurance.

Retail Decisions Limited issues fuel and pre-paid cards in several world markets and provides retailers and financial institutions with services including payment processing, fraud prevention, database development, and IT consulting. ReD operates in Australia, Europe, South Africa, and the US. It also has partnered operations in Japan, India, China, and in South America. Retail Decisions Limited works with banks, oil companies, e-commerce retailers, and telecommunications firms. Corporate customers include Wal-Mart, Tesco, Macy's, Shell, and Virgin Mobile. ReD was founded in 2000.

The Sacramento Valley Board of Trade (SVBT) provides risk management and related collections information and services for member businesses in the food, beverage, and media industries. Founded in 1980 by sister firm Northern California Collections Service, SVBT helps clients prevent debt losses by compiling and distributing monthly reports containing total due, past due, and returned check information on accounts within the industries. Members can also submit and review credit alerts via the board's Web site.

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