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Sumitomo Mitsui Financial Group, Inc. (SMFG) provides various consumer, commercial, corporate banking, and other financial services in Japan. The company offers deposit taking, lending, securities retail sales and trading, securities investment, fund transfer, foreign exchange, insourcing of financial futures transactions, corporate bond trustee and custody, trust bank, investment trust sales, and securities intermediary services, as well as engages in retail sale of insurance products. It also provides credit card, credit finance, sales promotion, and payment collection agency services; and operational services, including card issuance, invoicing cardholders, and settlement of accounts of other cards.

Summit Bank personal attention is a tradition. Since we opened our first branch in Oakland in 1982, our staff have made people their priority. Summit Bank provides traditional banking services and a full range of financial products for individuals, businesses and professionals, each tailored to meet the specific needs of every client. The Bank's willingness to adapt and to innovate with new products is more than the foundation of our mission - it is the secret to our success. We have earned the confidence of our clients and shareholders by conducting our business in a pragmatic, prudent, and profitable manner.

SunTrust Banks, Inc. operates as the holding company for SunTrust Bank, which provides various financial services to consumer and corporate customers in the United States. The company operates in four segments: Retail and Commercial, Wealth and Investment Management, Corporate and Investment Banking, and Household Lending. The Retail and Commercial segment offers various financial products and services that include consumer deposits; home equity lines; consumer lines; commercial and commercial real estate lending; financial risk management; insurance premium financing; treasury and payment solutions, including commercial card services; and specialized commercial real estate investments.

SBV&T knows the ABCs of banking. The corporation is the holding company for Springs Valley Bank & Trust, a community bank with about five locations in southern Indiana. Serving local individuals and businesses, the bank offers checking and savings accounts, loans, and mortgages, as well as trust and investment services. It is mainly a real estate lender, with residential and commercial mortgages making up most of the company's loan portfolio. Business, consumer, farmland, municipal, and construction and land development loans round out the bank's lending activities.

The determination and distribution of profits are governed by the National Bank Act (arts. 30 and 31). According to these articles, the SNB shall set up provisions permitting it to maintain currency reserves at the level which is necessary for monetary policy. In so doing, it shall take into account the development of the Swiss economy. A dividend not exceeding six percent of the share capital shall be paid from the net profit. One-third of any net profit remaining after the distribution shall accrue to the Confederation and two-thirds to the cantons.

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