American Business bank's commercial lending services include commercial real estate loans (more than half of its portfolio), asset-based lending, equipment finance, construction loans, and revolving lines of credit. Its deposit products consist of checking, savings, and money market accounts, and CDs.What's a middle-market, closely held, owner-managed business gotta do to get FORTUNE 500 treatment from a bank? American Business Bank caters to private companies in Southern California with annual sales between $5 million and $200 million, with an emphasis on wholesalers, manufacturers, service businesses, not-for-profit organizations, and professionals. It has offices in Irvine, Los Angeles, Ontario, Torrance, and Woodland Hills.

Central Bancorp is the holding company for Central Co-operative Bank. Operating as Central Bank, it serves Middlesex County in the northwestern suburbs of Boston through about 10 bank branches and loan centers. The bank's primary business is gathering deposits by offering NOW, money market, checking, and savings accounts; CDs; and retirement savings plans. It primarily uses these funds to originate commercial mortgages (more than half of all loans in the company's portfolio, up from 20% in 2001). Residential mortgages have gone down from around 70% to less than 40% since then. The bank also offers construction, home equity, business, and consumer loans, as well as credit cards.

SinoPac is packing away financial services in Asia and on the US west coast. The holding company owns Bank SinoPac, which has about 130 branches in Taiwan. Bank SinoPac was created in 2006 after the merger of a bank by that name and International Bank of Taipei, or IBT. In the US, SinoPac Bancorp owns Far East National Bank, which serves California's Asian-American community through more than a dozen branches. Other holdings include SinoPac Securities, which offers brokerage services, corporate financing, and underwriting. The company's SinoPac Credit Cards unit has issued more than 1.7 million cards. SinoPac Holdings' subsidiaries also have operations in China, Hong Kong, Macao, the UK, and Vietnam.

RiverWood Bank is a network of community banks located in 11 different communities in Northern and Central Minnesota. The original banking charters were formed in the 1920's in Bemidji and Morris as state chartered local building and loan associations. The present charter is a national savings and loan association regulated by the Office of Thrift Supervision. The banks have had a long history of meeting the needs of our communities in both the Consumer Banking and Home Lending Services.

TrustCo Bank Corp is the holding company for Trustco Bank, which operates in eastern New York, central and western Florida, and parts of Vermont, Massachusetts, and New Jersey. It has about 130 branches, offering individual and business customers a variety of deposit products and trust services. It primarily originates residential and commercial mortgages, which account for about three-quarters of its loan portfolio; it also writes business loans and home equity lines of credit. Since 2003, TrustCo Bank has nearly doubled its branch network in New York and Florida by opening new locations. It plans to continue opening new branches, albeit not as rapidly.

The Minden Building and Loan Association was chartered by the State of Louisiana in 1910 to service the Minden community and its surrounding areas. The community bank takes great pride in having a local base to better serve all of its customers' loan and deposit needs. In June of 2002, the bank converted its charter to a Mutual Holding Company, in order to provide more and better products and services to our community customers. In 2007, our official name changed to MBL Bank.

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.

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.

CommerceFirst Bancorp is the holding company for CommerceFirst Bank, which opened in 2000 and now has five branches in central Maryland. Catering to small to midsized businesses and professional clients, it offers deposit products including checking and savings accounts, NOW and money market accounts, and certificates of deposit. The bank mainly uses funds from deposits to write business loans (including Small Business Administration loans) and mortgages. Executive officers and board members of CommerceFirst Bancorp collectively own more than 20% of the company.

VyStar Credit Union has a rich history of financial and community service to people that began in 1952. Because of our members, we have become one of the largest financial institutions in Northeast Florida and among credit unions today. As a sound and forward-thinking organization, VyStar's Board of Directors generously devotes their time and energy to provide your credit union strategic direction, set policy and oversee its management.

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