Kinecta Federal Credit Union is one of the nation's leading Credit Unions, with more than $3.5 billion in assets and serving over 220,000 member-owners across the country. From the beginning, we have helped our members fulfill their dreams. In 1940, Hughes Aircraft Employees Federal Credit Union was an idea born from a simple inconvenience: employees of the Hughes Aircraft Company were spending too much lunchtime driving downtown to handle their finances.

National Irish Bank Limited, which is a part of Danske Bank, offers an array of banking services to individuals and businesses. Through a network of more than 60 branches, it provides deposit accounts, personal and mortgage loans, home insurance, private banking, credit cards, and online banking. National Irish also offers business banking through its Corporate & Institutional Banking division. The bank's commercial services include treasury management, leasing, international trade facilitation, and small business loans. The Danish Danske Bank acquired National Irish Bank from National Australia Bank in 2005.

BOC Hong Kong (Holdings) is the parent of Bank of China (Hong Kong), which has about 300 branches in Hong Kong as well as on mainland China. The bank serves local businesses and consumers, providing loans, deposit accounts, and other standard services, as well as securities brokerage, wealth management, and project financing and syndication. It also prints currency. In addition, Bank of China (Hong Kong) owns Nanyang Commercial Bank and some 70% of Chiyu Banking Corporation (both are also based in Hong Kong), as well as BOC Credit Card (International). Bank of China, which is controlled by the Chinese government, owns about two-thirds of BOC Hong Kong.

VTB Bank offers a smorgasbord of financial services for corporate, financial, and retail clients in Russia, Western Europe, Africa, and Asia. VTB retail services, conducted through VTB 24, include deposit banking, credit and lending services, and money transfers serving individuals and small businesses through a network of some 500 branches in large Russian cities. The company also provides investment banking and services for financial institutions that include foreign exchange trading, Inter-bank lending, and securities trading. The Russian government owns some 85% of VTB, but plans to reduce its stake by about half by 2014.

Ameris Bancorp enjoys the financial climate of the Deep South. It is the holding company of Ameris Bank, which serves retail and consumer customers through some 60 branches in Alabama, Georgia, South Carolina, and northern Florida. The bank provides standard products and services, including checking and savings accounts, money market accounts, CDs, IRAs, and credit cards; it offers investment services through an agreement with Raymond James Financial. Loans secured by commercial real estate and farmland account for approximately two-thirds of the company's loan portfolio, while residential mortgages and business loans account for about 10% each.

First Merchants makes community banking its first priority. The company owns First Merchants Bank, which operates some 80 branches in Indiana and western Ohio. The bank provides standard consumer and commercial banking services, including checking and savings accounts, CDs, and check cards. Loans secured by commercial real estate and farmland account for the largest portion of the company's loan portfolio (more than a third), followed by residential mortgages and business loans. First Merchants Corporation also owns First Merchants Trust Company, which provides trust and asset management services, and First Merchants Insurance Services, which sells personal, property/casualty, and employee benefit coverage.

First Banks keeps it in the family. The holding company for its namesake First Bank, it is owned by chairman James Dierberg and his family; many of the bank's branches and ATMs are located in Dierbergs Markets, a Missouri-based grocery chain owned by relatives of the chairman. First Bank has about 160 branches in California, Florida, Illinois, and Missouri, with a concentration in metropolitan markets (e.g. Los Angeles, San Diego, San Francisco, Tampa, and St. Louis). The bank offers standard services like deposits, mortgages, and business and consumer loans. Additional services include brokerage, insurance, trust, and private banking, as well as commercial treasury management and international trade services.

Established in 1999, Stonebridge Bank offers you the best of both worlds: Traditional brick and mortar service and a state-of-the-art Internet banking site. We have branches in convenient locations where our customers can find all of the conventional banking services. They also have a comprehensive website at www.stonebridgebank.com that allows our customers to do all of their banking quickly and at their own convenience.

Founded in 1942, the Tochigi Bank offers banking services to the Tochigi Prefecture in Japan (located about 60 miles north of Tokyo). Through more than 90 branches and 4 consolidated subsidiaries, Tochigi Bank offers conventional financial services products such as savings, lending, portfolio advisement, leasing, housing loan guarantees, credit cards, and foreign and domestic exchange services. The Tochigi Prefecture has developed into a production nucleus for agricultural and forestry products; as a result, the bank targets customers residing in these key sectors for assistance.

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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