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.

BancWest Corporation is a financial services holding company which was formed in 1998 as a result of a merger between holding companies for Bank of the West, San Francisco and First Hawaiian Bank, Honolulu. In 2001, the public entity became a wholly-owned subsidiary of BNP Paribas (www.bnpparibas.com). As of December 31, 2009, BancWest Corporation had total assets of nearly $74 billion, more than 2 million customer accounts, 727 retail branch banking locations and dozens of commercial banking office locations in 20 states and overseas, an offshore branch in Grand Cayman, British West Indies as well as representative offices in New York, Tokyo, Japan and Taipei, Taiwan.

Accord Financial Corp., through its subsidiaries, offers superior financial services to small and medium-sized companies, providing the capital these firms need to grow and succeed. Accord’s services include factoring and other asset-based financial services, including financing, collection services, credit investigation, guarantees and record-keeping. Incorporated in 1978, Accord Financial Ltd. operates as an "old-line" factor specializing in credit protection and collection services. Offices and representatives are located in Toronto and Montreal. Major industries served are apparel, floor covering, furniture, footwear and sporting goods. Clients are mostly Canadian and U.S. companies; approximately 30% of total business is international in nature.Formed in 1990 and acquired by Accord in 1992, Accord Financial Inc. offers factoring services through the purchase of receivables, as well as asset-based lending and purchase order financing. All clients are in Canada. A wide variety of industries are served including automotive, oilfield services, electronics, medical equipment, food processing, furniture manufacturing, logistics, industrial products, telecommunications, apparel and textiles. Factoring for small and medium-sized businesses is one of the fastest growing areas in financial services. Accord Financial Inc. has offices in Montreal and Toronto. Started as a predecessor company in 1977 and acquired by Accord in 1992, Accord Financial, Inc. specializes in factoring services by purchasing receivables for cash from small and medium-sized U.S. companies. Major clients are wholesale distributors, staffing agencies, telecommunication providers, furniture, electronics and chemical manufacturers, and other commercial enterprises. Its head office is located in Greenville, SC, with representative offices in St. Petersburg, FL and Charlotte, NC.

I am delighted to tell you about Encore, a financial services organization like no other. At Encore, our bankers and financial advisors are dedicated to helping you attain your financial goals. When you work with our professionals, you will be working directly with individuals who are committed to building lasting relationships. We are available to meet with you in your home or workplace, or in our private client offices, to explore how our capabilities in banking, wealth management, trust, mortgage and insurance can serve you, your family and your business. Encore Bank has eleven conveniently located private client offices in greater Houston. To find the nearest location, click here. Encore Bancshares, Inc. is listed on the NASDAQ Global Market under the symbol "EBTX."

Firstbank, originally known as First Federal Savings and Loan, opened its doors in July of 1923. While growing with the Tyler community, our history has been intertwined with that of the people, prospering together. Today, more than eighty-five years later, our assets are over $240 million!Over the years, Firstbank has continued to be a secure and strong financial institution. This is due to the efforts of our Founders, Directors, Presidents, Officers and Staff, enduring both the good times and bad.

Flagstar Bancorp, Inc. operates as the holding company for Flagstar Bank, FSB that offers consumer and commercial financial products and services to individuals, and small and middle market businesses in Michigan, Indiana, and Georgia. The company engages in generating deposits and originating loans. Its deposit products include demand deposits, savings and money market accounts, checking deposits, certificates of deposits, municipal deposits, national deposits, and company controlled deposits. The company’s loan portfolio comprises single-family mortgage loans, consumer loans, commercial real estate loans, non-real estate commercial loans, and residential mortgage loans for others. It also originates, acquires, sells, and services one-to-four family residential mortgage loans. Flagstar Bancorp, Inc., through its subsidiaries, acts as an agent for life insurance, health and casualty insurance, and reinsurance companies; and provides online paperless office solutions for mortgage originators. It also engages in holding investment loans, purchasing securities, selling and securitizing mortgage loans, maintaining and selling mortgage servicing rights, developing new loan products, establishing pricing for mortgage loans to be acquired, providing for lock-in support, and managing interest rate risk associated with these activities. As of December 31, 2009, Flagstar Bancorp, Inc. operated 165 banking centers. Flagstar Bancorp was founded in 1987 and is headquartered in Troy, Michigan.

New York Community Bancorp is the holding company for New York Community Bank (one of the largest thrifts in the US) and New York Commercial Bank. In New York, New York Community Bank operates through four divisions: Queens County Savings Bank, Richmond County Savings Bank, Roosevelt Savings Bank, and Roslyn Savings Bank. It also serves customers in New Jersey through its Garden State Community Bank division. Altogether, it has more than 200 branches throughout the two states. Nonbank subsidiaries offer asset management and life insurance. The company expanded into Arizona, Ohio, and Florida with its 2009 FDIC-assisted acquisition of the failed AmTrust Bank.

ABC International Bank (ABCIB) focuses on trade finance and investment between Europe and the Arab world. The bank's offerings include trade and commodity finance, lending to small and midsized businesses, treasury management, and Islamic financial services (including banking and asset management that are compliant with Islamic religious principles). It also finances energy and infrastructure projects in the Middle East and North Africa. A subsidiary of Arab Banking Corporation, ABCIB has branches in Frankfurt, London, Milan, and Paris, with additional support offices in Spain, Sweden, Turkey, and the UK.

Established on 26 January 1959 under the Central Bank of Malaysia Act 1958 (CBA 1958).The CBA 1958 has been repealed by the Central Bank of Malaysia Act 2009 which became effective on 25 November 2009. It is a statutory body wholly owned by the Government of Malaysia with the paid-up capital progressively increased, currently at RM100 million. The Bank reports to the Minister of Finance, Malaysia and keeps the Minister informed of matters pertaining to monetary and financial sector policies.

Pacific City Financial is the holding company for Pacific City Bank. Established in 2003, the bank caters to Korean-Americans from about a half-dozen locations in Southern California. The bank serves consumers, professionals, and minority-owned small and midsized businesses, offering deposit products such as checking and savings accounts, money market accounts, and CDs. Its lending activities mainly consist of commercial real estate and Small Business Administration (SBA) loans. Additionally, the bank offers international trade finance services to small and midsized businesses that have operations overseas. The company called off plans to be acquired by Korean blank-check company North Asia Investment in 2010.

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