Birch Financial Inc. commenced business in August 1994 with the primary intent of providing premium financing to the landscape industry. In July 1995, Automatic Installment Services (AIS) was contracted to administer the loans of their clients with financial oversight resting in the hands of Nelson Colvin, President of Birch Financial, Inc. Birch Financial, Inc. operates with a line of credit from First Bank in St. Louis, MO. The company has over $25,000,000 in Premium Financing Loans and $1,200,000 in Equipment Loans. Birch Financial, Inc. is also doing business in Nevada, Arizona and Utah, providing premium financing primarily to landscape contractors. The company is planning to enter the Texas and Florida markets in the near future. Birch Financial, Inc. has a captive market with a familiar database of clients and a known credit history. It has the advantage of working through affiliated companies that guarantee the loan return.

Barclays PLC provides financial services in Europe, the United States, Africa, and Asia. It offers retail and commercial banking, credit cards, investment banking, and wealth management services. The companys products include current account and savings products, Woolwich branded mortgages, general insurance, unsecured loan and protection products, commercial loans, installment finance, credit cards, and bancassurance products. It also offers money transmission, asset financing and leasing, wealth management, international and private banking, fiduciary, investment management, brokerage, and investment advisory services.

The Federal Home Loan Bank of San Francisco helps meet the borrowing needs of communities by providing wholesale credit products and services to member financial institutions. The Bank is privately owned by its members, which include commercial banks, savings institutions, credit unions, thrift and loan companies, and insurance companies headquartered in Arizona, California, and Nevada. We are part of a network of 12 regional Federal Home Loan Banks chartered by Congress in 1932 to provide low-cost credit to residential housing lenders.

CSB Bancorp is the holding company for The Commercial and Savings Bank, which serves Holmes and Tuscarawas counties and surrounding areas of east-central Ohio from about a dozen branches. Founded in 1879, the bank offers traditional products such as checking and savings accounts and CDs, as well as credit cards, trust services, estate planning, and corporate and individual retirement plans. Its loan portfolio is composed mostly of residential and commercial mortgages; the bank also originates business, construction, and consumer installment loans. CSB Bancorp bought another area community bank, the three-branch Indian Village Community Bank, in 2008.

Sainsbury's Bank is a 50-50 joint venture between UK supermarket operator J Sainsbury and Lloyds Banking Group, Sainsbury's Bank is more than a place to borrow money to buy groceries. Also doing business as Sainsbury Finance, the financial supermarket offers personal loans, MasterCard credit cards, many types of insurance (car, home, life, travel, and pet), and savings and investment accounts. Sainsbury's Bank operates hundreds of banking centers and ATMs inside Sainsbury supermarkets. It also has online operations.

Guaranty Bancorp (formerly Centennial Bank Holdings) knows a thing or two about dollars and cents. After all, it's the holding company for Colorado's Guaranty Bank and Trust. The bank operates about 35 branches, primarily in the metropolitan Denver and North Front Range areas. Guaranty Bank and Trust offers traditional checking, savings, money market, and NOW accounts as well as IRAs. Real estate mortgages and business loans each make up more than one-third of a loan portfolio that also includes construction and other types of consumer and business loans. In 2008 the company merged subsidiary Centennial Bank of the West into Guaranty Bank and Trust and, following suit, changed its own name.

Commercial Bancshares, Inc. company owns the community bank, which serves northwestern Ohio from about 10 branches. The bank offers standard retail and business services, including checking and savings accounts, certificates of deposit, and loans. Commercial loans make up the largest portion of the bank's loan portfolio (more than two-thirds); other offerings include consumer finance loans, home equity loans, credit card loans, and residential mortgages.

Banner Corporation operates as the holding company for Banner Bank and Islanders Bank that provide commercial banking and financial products and services to individuals, businesses, and public sector entities. It generates various deposit instruments, including demand checking accounts, negotiable order of withdrawal accounts, money market deposit accounts, regular savings accounts, certificates of deposit, cash management services, and retirement savings plans. The company also originates commercial business and commercial real estate loans, agricultural business loans, construction and land development loans, one to four-family residential loans, and consumer loans. In addition, it engages in mortgage banking operations primarily through the origination and sale of one to four-family residential loans. As of December 31, 2009, Banner Bank operated 86 branch offices and 7 loan production offices located in Washington, Oregon, and Idaho; and Islanders Bank conducted business from 3 locations in San Juan County, Washington. Banner Corporation was founded in 1890 and is based in Walla Walla, Washington.

BancWest Corporation is a financial services holding company which was formed in 1998 as a result of a merger between holding companies for Bank of the West, San Francisco and First Hawaiian Bank, Honolulu. In 2001, the public entity became a wholly-owned subsidiary of BNP Paribas (www.bnpparibas.com). As of December 31, 2009, BancWest Corporation had total assets of nearly $74 billion, more than 2 million customer accounts, 727 retail branch banking locations and dozens of commercial banking office locations in 20 states and overseas, an offshore branch in Grand Cayman, British West Indies as well as representative offices in New York, Tokyo, Japan and Taipei, Taiwan.

Carolina Bank Holdings owns Carolina Bank, which serves individuals and small to midsized businesses through some 10 branches in northern portions of North Carolina. The community-oriented financial institution offers standard services such as checking and savings accounts, money market and individual retirement accounts, CDs, ATM and debit cards, and online banking and bill payment. Loans secured by commercial properties account for about 40% of the company's portfolio, followed by residential mortgages, construction and land development loans, commercial and industrial loans, and consumer loans.

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