The Brazos Higher Education Service Corporation, Inc. (“Brazos”) is a non-profit service corporation which provides administrative support and management services to a number of independent non-profit corporations each of whom are dedicated to helping students and parents finance the cost of higher education. The Brazos Managed Companies is a term commonly used to describe the independent non-profit companies, collectively, which are managed by Brazos. With the first company founded in 1975, Brazos and the companies it manages have continued forward with the primary purpose of financing higher education. Through the Federal Family Education Loan Program (FFELP) to private student loans, the individual companies have historically acquired pools of student loans through the issuance of student loan revenue bonds or bank warehouse facilities. Brazos and the companies it manages have been the key participants in student loans for over 30 years.

Home Capital Group is a holding company that operates through its Home Trust Company subsidiary. Home Trust is home to Canadians seeking credit -- both to buy homes and to buy anything else with credit cards. The federally regulated trust offers mortgage lending, retail credit and credit issuing services, as well as deposit services. Home Trust owns and operates offices in Alberta, British Columbia, Nova Scotia, Ontario, and Quebec.

Founded in 1988, Industrial Bank is one of China's first joint stock commercial banks. Through some 40 branches and more than 400 sub-branches across China, Industrial Bank offers standard deposit, loan, wealth management, credit card, and e-banking products and services to personal and commercial banking customers. Fujian Finance Department, a government institution, controls about a quarter of Industrial Bank, while Hong Kong's Hang Seng Bank and Singapore's Tetrad Ventures together own about a fifth.

The Cummins focus on innovation began with the company's creation in 1887. Much has changed since those early days, but our dedication to providing top quality products, backed by great service, remains the cornerstone of our company. Cummins is more than a company. It's a community -- a dynamic, global network of talented people, loyal customers and progressive leaders -- all dedicated to setting new standards of excellence in the handling and processing of money.

First Independence Corporation operates as the holding company for First Federal Savings and Loan Association of Independence, which provides general banking services in southeastern Kansas. It attracts various deposits, such as NOW accounts, First Super NOW and First Money Fund accounts, checking accounts, passbook savings accounts, and certificates of deposits. The company also originates loans for residential, consumer, and nonresidential purposes, including One-to-four family residential, multi-family residential, multi-family residences, and construction loans, as well as various consumer and other loans, such as automobile, home equity and second mortgages, unsecured home improvement, and mobile home loans. In addition, it offers telephone and online banking, ATM/debit cards, Visa cards, safe deposit boxes, and Visa gift cards. First Independence Corporation was founded in 1905 and is based in Independence, Kansas.

United PanAm Financial flies the choppy skies of subprime lending. Operating through subsidiaries United Auto Credit Corporation (UACC) and United Auto Business Operations (UABO), the specialty finance firm originates, buys, and services auto loan contracts for high-risk customers. The company buys contracts from independent and franchised used car dealers. Most borrowers have less-than-perfect credit histories, which impairs their ability to secure loans. UACC, once heavily localized in California, now has more than 15 offices throughout the country -- a dramatic decrease from what it had only a few years ago. Chairman Guillermo Bron and investment firm Pine Brook Road are buying United PanAm.

Chicopee Bancorp, Inc. operates as the holding company for Chicopee Savings Bank that provides various financial services to individuals and businesses in Western Massachusetts. The company’s deposit products include non-interest-bearing demand accounts, such as checking accounts; interest-bearing accounts, which include NOW and money market deposit accounts; regular savings accounts, such as passbook accounts; and certificates of deposit. Its loan portfolio comprises one-to four-family; multi-family; commercial real estate; commercial business; construction and development; and consumer loans, including home equity lines of credit and automobile loans. In addition, it offers non-deposit investment products, including mutual funds, debt, equity and government securities, retirement accounts, insurance products, and fixed and variable annuities. As of March 31, 2010, the company operated main office; lending and operations center; and seven branch offices located in Chicopee, Ludlow, South Hadley, Ware, and West Springfield. Chicopee Bancorp, Inc. was founded in 1845 and is headquartered in Chicopee, Massachusetts.

First Business Financial Services serves small and midsized companies, entrepreneurs, professionals, and high-net-worth individuals through First Business Bank and First Business Bank - Northeast. The banks offer deposits, loans, cash management, and trust services from about five offices in Wisconsin. About half of First Business Financial's loan portfolio is devoted to commercial mortgages; business loans and leases add about another quarter. Subsidiary First Business Capital specializes in asset-based lending, while First Business Equipment Finance provides commercial equipment financing. First Business Trust & Investments offers investment management and retirement services.

AmBank Group, providing financial services to customers throughout Malaysia. AMMB Holdings (which trades as AmBank Group) controls dozens of subsidiaries and affiliates, providing individuals and businesses with a range of financial services and products through some 175 offices. The company operates in several segments: retail, business, and investment banking; insurance; and Islamic financial services. Services include asset management, commercial banking, futures trading, leasing, mortgage lending, offshore banking, property trust management, retail financing, and securities services.

The European Central Bank (ECB) is all about the euro. Established in 1999, ECB and the national central banks of the 16 European Union (EU) member states that use the euro as their primary currency make up the Eurosystem, whose foremost task is to maintain euro price stability. ECB is also responsible for setting the monetary policy of the EU (with the objective of sustained employment and non-inflationary growth), ensuring the smooth operation of payment systems, and managing the foreign reserves of member countries. Its revenue is derived from interest on investments in foreign-reserve assets, money-market instruments, and securities, as well as from the allocation of euro banknotes in the EU.

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