Community Bank System is right up front about what it is. The holding company owns Community Bank, which operates about 150 branches across nearly 30 counties in upstate New York and five counties in northeastern Pennsylvania, where it operates as First Liberty Bank and Trust. Focusing on small, underserved towns, the bank offers such services as checking and savings, money market, and NOW accounts. The bank's loan portfolio is divided nearly equally among business loans, residential mortgages, and consumer loans. Community Bank System also provides trust services, brokerage services, investment management, insurance products, and employee benefits plan administration.

First Community Bank Corporation of America is the holding company for First Community Bank of America, which has about 10 branches in the Tampa Bay area of Florida. Catering to consumers, small to midsized businesses, and property management companies, the thrift offers standard services such as checking and savings accounts, CDs, and credit and debit cards. It typically devotes about half of its loan portfolio to real estate loans, about a third to consumer loans, and the remainder to commercial and industrial loans. Chairman Robert M. Menke owns a majority of First Community Bank Corporation of America.

The Home Development Mutual Fund was established by the government in 1978. For this financial services company, time flies when you're having funds. The Home Development Mutual Fund (more commonly known as the Pag-IBIG Fund) is one of the premier financial institutions in the Philippines. It caters to mostly middle-income workers, but also loans to residential developers. As one of the largest financiers of housing loans in the country, the state-run company issues housing bonds (used to finance its housing loan program), offers multi-purpose loans (for medical, educational, and minor home improvement assistance), and provides disaster relief financial assistance.

The Federal Home Loan Bank of Indianapolis is a wholesale bank that provides loans, grants, and business services to member financial institutions in Indiana and Michigan. We are one of twelve such banks in the Federal Home Loan Bank System established in 1932. FHLBanks are privately capitalized and funded, and receive no Congressional appropriations.

Mid Penn Bancorp is the holding company for Mid Penn Bank, which operates more than a dozen branches in central Pennsylvania's Cumberland, Dauphin, Northumberland, and Schuylkill counties. The bank offers full-service commercial banking, insurance, and trust services. Its deposit products include checking, savings, money market, and NOW accounts. Commercial real estate, construction, and land development loans account for nearly 80% of the company's loan portfolio; the bank also writes residential mortgages and business, agricultural, and consumer loans. Mid Penn is a descendant of Millersburg Bank, founded in 1868. Trust company CEDE & Co. owns about a third of Mid Penn Bancorp.

Mizuho Financial Group, Inc., through its subsidiaries, provides various financial services, including banking, securities, and trust and asset management services in Japan and internationally. The company offers commercial banking services, foreign exchange transaction services, advisory services, capital markets financing services, syndicated loan services, and structured finance services.

BPI Family Savings Bank, which has some 140 branches, traces much of its growth to remittances from Filipinos working abroad. The overseas foreign workers (OFWs) take higher-paying jobs outside of the island nation and send funds back home. (About 10% of Filipinos are OFWs.) The bank was formed in a 1985 merger between parent Bank of the Philippine Islands (BPI) and the Family Savings Bank.

First Community Bank adventure began during a rafting trip down the Colorado River. That trip inspired President & CEO H. Patrick "Pat" Dee and others to start a different kind of bank. They envisioned a bank where employees were given responsibility and trust, customers were treated like friends, and serious banking could be fun. In 1988 First State Bank of Taos was purchased. Already rich in tradition and deeply rooted in community values, the best of our charter bank was preserved while feeding it the resources and perseverance the bank would need to continue growing. That little bank has now grown to a $2.6 billion regional bank covering most of New Mexico and the Phoenix area.

Caisse Regionale de Credit Agricole d'Ile-de-France, also known as CA Ile-de-France, provides banking services to individual and commercial customers from its network of more than 300 branches. CA Ile-de-France is the largest of Credit Agricole's 39 regional banks, or caisses, which collectively account for a quarter of France's consumer banking market. In addition to its services for French citizens, the bank operates a division dedicated to serving English-speaking individuals coming to work or study in France. Credit Agricole controls about one-quarter of CA Ile-de-France.

American Bank is able to provide the timely, personalized service so often lacking in today's large commercial banks. In addition to outstanding customer service, we offer a variety of home finance and banking services geared to meeting the individual customer's needs. Our mortgage loan programs for new home purchases or construction offer competitive interest rates and terms. Also, we offer highly competitive rates on our federally insured Certificate of Deposit accounts as well as our savings accounts. At American Bank, our customers are our priority. We look forward to serving you.

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