River Valley Bancorp is the holding company for River Valley Financial Bank, a thrift serving southeast Indiana and neighboring communities in Kentucky from about 10 branches. The bank offers standard deposit products including checking and savings accounts, CDs, NOW accounts, and IRAs. It uses funds from deposits to write a variety of commercial and consumer loans; single-family mortgages make up about half of its loan portfolio. River Valley Financial also invests in government bonds, municipal securities, and mortgage-backed securities. The bank's wealth management arm offers brokerage, trust, and advisory services.

Wayne Savings Bancshares, Inc. operates as the holding company for Wayne Savings Community Bank, a community-oriented institution that provides consumer and business financial services in northeast Ohio. It accepts various consumer and commercial deposits, which include checking accounts, savings accounts, money market accounts, term certificate of deposit accounts, commercial repurchase agreements, and individual retirement accounts. The company originates one-to four-family residential, multi-family residential, construction, non-residential real estate and land, commercial business, and consumer loans. It also invests in mortgage-backed securities issued or guaranteed by the United States government or agencies. The company offers its services to individuals, business, and other organizations through its main banking office located in Wooster, and other 10 additional full service branch offices in Wayne, Holmes, Ashland, Medina, and Stark counties, as well as the surrounding localities in northeastern Ohio. Wayne Savings Bancshares, Inc. was founded in 1899 and is headquartered in Wooster, Ohio.

Emporiki Bank of Greece offers traditional financing and banking services, including investment banking, housing loans, asset management, securities portfolio management, leasing, venture capital, and insurance products. Founded in 1907, Emporiki has about 370 branches in Greece, plus nearly 90 in Albania, Bulgaria, Cyprus, London, Frankfurt, and Romania. About a dozen subsidiary companies (Emporiki Bank Group) offer a wide array of financial services -- from real estate development and management to consumer credit, insurance, and vehicle leasing -- to customers both private and corporate. France's #1 bank, Credit Agricole, owns more than 80% of Emporiki.

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.

Organized on June 27, 1911, Home Savings Bank has experienced growth and stability while in financial partnership with the people of Stanly County for nearly a century. From the days when our office was housed in small quarters and only open on Saturdays, to today's operations housed at our Albemarle and Locust locations, excellent customer service to our local community has been the focal point in directing Stanly County's oldest financial institution. Below is a condensed outline highlighting some of the history and development of Home Savings Bank.

BankUnited was established on May 21, 2009, when a group of investors led by John A. Kanas acquired the assets and most of the liabilities of the former BankUnited, FSB from the Federal Deposit Insurance Corporation. The group recapitalized BankUnited with a $900 million investment, making it one of the most well capitalized financial institutions in the country.

Bank of America boasts one of the country's most extensive branch networks with more than 5,900 locations covering some 40 states from coast to coast. Its core services include consumer and small business banking, credit cards, and asset management. In early 2009 Bank of America paid some $50 billion in stock for Merrill Lynch, which had been crippled by the global credit crisis. The acquisition of the once-mighty investment bank known as "The Bull," which has an extensive retail brokerage network, beefs up Bank of America's wealth management, investment banking, and international business.

SVB Financial Group provides diversified financial services to emerging, growth and established technology companies and the life science, venture capital and premium wine markets. Through its focus on specialized markets and extensive knowledge of the people and business issues driving them, SVB Financial Group provides a level of service and partnership that measurably impacts its clients' success.Headquartered in Santa Clara, Calif., the company offers its clients commercial, investment, merchant and private banking, as well as value-added services using its knowledge and networks. Founded in 1983, SVB Financial Group serves clients around the world through 26 domestic offices, and international subsidiaries in the U.K., Israel, India and China, and an extensive network of relationships with venture capitalists in Asia, Australia, Europe, India, and Israel.With solid understanding of the true risks and rewards faced by companies in dynamic markets, the company is widely recognized for its ability to develop innovative approaches to meet the unique financial needs of its clients. SVB Financial Group began serving the technology and life science markets at a time when they were not well-understood by the financial services industry and when many of the leading companies in these industries were just getting started. At that time, many of these companies had yet to show profits and were not considered creditworthy by local community or regional banks.Over the last two decades, SVB Financial Group has become one of the most respected names in the financial services industry. The company has created innovative solutions for some of the world's most successful technology and life sciences companies. These companies face unique challenges and require special services, such as finding the right venture capitalist or angel investor, securing capital to support rapid growth, or driving overseas expansion. SVB Financial Group offers products and services specifically tailored to meet our clients' needs at every stage of corporate growth.

Clydesdale Bank PLC,founded in 1838, the full-service financial institution has been owned by National Australia Bank since 1987. Along with standard personal and commercial services such as deposit accounts, lending, credit cards, and financial advice, the bank also dabbles in agribusiness and private banking (it has an office on the Isle of Guernsey, the locus of offshore banking). Clydesdale Bank has some 150 retail branches in Scotland and England.

Nexity Financial Corporation was incorporated in Delaware on March 12, 1999 and is headquartered in Birmingham, Alabama. Nexity Financial operates a wholly owned subsidiary bank, Nexity Bank, with its main office in Birmingham, Alabama and correspondent banking offices in Atlanta, Georgia, Columbia, South Carolina, Myrtle Beach, South Carolina and Raleigh, North Carolina.

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