Credit Suisse
Credit Suisse AG, Zurich, Kalanderplatz 1,
Direct Net hotline, Tel. 0844 800 888
(international: +41 844 800 888 or: +41 44 657 36 40)

Businesses

Credit Suisse operates in three global divisions – Private Banking, Investment Banking and Asset Management. The three divisions are supported by Shared Services.

Divisions and Shared Services

Private Banking
Credit Suisse provides comprehensive advice and a broad range of wealth management solutions tailored to the needs of high-net-worth individuals globally as well as private and business clients in Switzerland.

Investment Banking
Credit Suisse offers a broad range of investment banking and securities products and services to corporate, institutional and government clients around the world.

Asset Management
Credit Suisse offers a wide range of investment products and functions across asset classes, for all investment styles.

Shared Services
Shared Services provides high-quality, cost-effective corporate services and business support for the bank’s three divisions – Private Banking, Investment Banking and

Global and Regional Structure
Our structure is designed to promote cross-divisional collaboration while leveraging resources and synergies within the four regions, Switzerland, EMEA, the Americas and Asia Pacific. The regions perform a number of essential functions to coordinate and support the global operations of the three divisions. On a strategic level, they are responsible for corporate development and the establishment of regional business plans, projects and initiatives. They also have an oversight role in monitoring financial performance. Each region is responsible for the regulatory relationships within its boundaries, as well as for regulatory risk management and the resolution of significant issues in the region as a whole or its constituent countries. Other responsibilities include client and people leadership and the coordination of the delivery of Shared Services and business support in the region.

Strategy
We pursue a client-focused integrated bank strategy, focusing on complex client needs and value-adding businesses, leveraging the global expertise of our three divisions, Private Banking, Investment Banking and Asset Management.

Industry Trends and Competition
New regulation and the end of government and central bank emergency support are expected to shape bank industry trends over the foreseeable future. In this period of uncertainty, we believe well-capitalized financial institutions with strong earnings power are better positioned to adjust to a changing industry landscape and increasing competitive pressure.

Priorities and Goals
Building on the momentum we have established, we aim for further gains in market share while strengthening our geographic footprint and collaboration within the integrated business model.

Vision & Mission

Our Vision
Our vision is to become the world’s most admired bank, renowned for our expertise in private banking, investment banking and asset management, and most valued for our advice, innovation and execution.

Our Mission
Our mission is to set new standards in partnering with our clients and providing them with integrated financial solutions. As a global bank serving clients in every region of the world, cultural diversity is essential to our success. We strive to create an open, respectful workplace that encourages people to work together and with our clients to deliver superior products, services and results and support the success and prosperity of all our stakeholders.

HSBC Holdings plc
8 Canada Square
London E14 5HQ
Tel: +44(0)20 7991 8888

Who is HSBC?
We are the world's local bank.
Headquartered in London, HSBC is one of the largest banking and financial services organisations in the world. HSBC's international network comprises around 8,000 offices in 88 countries and territories in Europe, the Asia-Pacific region, the Americas, the Middle East and Africa. With listings on the London, Hong Kong, New York, Paris and Bermuda stock exchanges, shares in HSBC Holdings plc are held by around 220,000 shareholders in 119 countries and territories. The shares are traded on the New York Stock Exchange in the form of American Depositary Receipts. Through an international network linked by advanced technology, including a rapidly growing e-commerce capability, HSBC provides a comprehensive range of financial services: personal financial services; commercial banking; corporate, investment banking and markets; private banking; and other activities.

Group Values and Business Principles
The HSBC corporate character defines the values and principles inherent in all our everyday dealings.

Group History
The HSBC Group has an international pedigree which is unique. Many of its principal companies opened for business over a century ago and they have a history which is rich in variety and achievement. The HSBC Group is named after its founding member, The Hongkong and Shanghai Banking Corporation Limited, which was established in 1865 to finance the growing trade between China and Europe.

Business and Corporate
Our global reach and expertise helps millions of customers unlock their potential; from small businesses to large multinationals. With dedicated Relationship Managers and Business Specialists providing local support and advice in over 60 countries and territories, we're able to help you make the most of opportunities for your business.

Business Banking

• Our range of full-service banking packages could help your business reach new heights.

Corporate Banking

• We recognise that every company is unique and our tailored Corporate Banking service can help them make the most of every opportunity.

International Services

• Whether you currently trade internationally, or are planning to in the future, HSBC can help you make the most of the world's possibilities.

Products and Services
No matter what your business needs are, we have an extensive range of products and services that can help.

• Receivables Finance
• Business Insurance
• Trade and Supply Chain
• Business Accounts
• Foreign Exchange
• Business Direct

ICBC
100032, No.55 FuXingMenNei Street
Xicheng District, Beijing, P.R.C
Nationwide 24-hour Service Hotline £º95588

We’re committed to being B.C.’s preferred auto insurer by providing:

• protection and peace of mind
• quality products and services
• low and stable rates

We’re here for you. All motorists in BC are required to buy a basic package of ICBC Autoplan insurance that provides coverage for third party liability protection, accident benefits, underinsured motorist protection, hit-and-run and uninsured motorists protection and inverse liability.

Beyond the basics. In addition to providing this basic insurance, the Corporation competes with other automobile insurance companies by offering extended third party liability and other optional insurance coverage such as collision and comprehensive coverage.

Open and fair rate setting. In setting premiums, ICBC does not discriminate on the basis of age, sex or marital status and discounts are provided based on the number of years that a driver has been claims free. We collect insurance premiums from more than 2.6 million motorists and invest these premiums to provide insurance benefits for customers and victims of crashes.

Helping make the roads safer. We work with communities and stakeholder groups to help them take responsibility for their road safety challenges. We also invest in loss-prevention initiatives and programs to reduce crashes, injuries and deaths. Everyone benefits when the roads are safer.

Purpose
ICBC's 2010 – 2012 Service Plan provides an overview of our three-year plan to fulfill responsibilities for providing auto insurance, driver licensing, and vehicle registration and licensing services.
This Service Plan discusses our corporate strategy and sets out our performance accountability to the public by describing:

• Where we envision ourselves in three years;
• The goals and objective we need to achieve and realize this vision; and
• How we define and measure progress on achieving these goals and objectives.

ICBC Overview
ICBC is a provincial Crown corporation established in 1973 to provide vehicle insurance to British Columbia's motorists. We are the sole provider of universal compulsory coverage (Basic insurance), with rates regulated by the British Columbia Utilities Commission. ICBC also sells Optional auto insurance in a competitive marketplace. As part of our mandate we also provide driver licensing, vehicle registration and licensing, and other services on behalf of the province. ICBC is currently one of BC's largest corporations with approximately $12.5 billion in assets.

Strategic Context and Key Strategic Issues
Insurance is a complex business impacted by many external trends, factors and risks. This section describes the property and casualty insurance industry in Canada and the issues facing auto insurers and the insurance industry as a whole. The key strategic risks and mitigation strategies identified in this section are considered incorporated into our corporate strategy, as outlined in the Service Plan, and into detailed operational plans.

Goals, Objectives, Strategies and Performance
The achievement of our vision and mission is articulated through the corporate strategy which has three goals:

• Improve customer perception
• Improve employee experience
• Maintain financial stability

For each goal, specific objectives are established to guide the corporation. Measures are defined and targets are set to enable performance to be measured for these goals and objectives.

The Bank of East Asia
Customer Service Hotlines
General Banking Service (852) 2211 1333
Credit Card (852) 3608 6628
Consumer Loans (852) 2211 1211
Mortgage Loan (852) 3608 8686

Company Profile
Incorporated in Hong Kong in 1918, The Bank of East Asia ("BEA") is dedicated to providing comprehensive retail and commercial banking services to its customers in Hong Kong, Mainland China, and other major markets around the world. BEA is the largest independent local bank in Hong Kong, with total consolidated assets of HK$434.1 billion (US$56.0 billion) as of 31st December, 2009. The Bank is listed on The Stock Exchange of Hong Kong and is one of the constituent stocks of the Hang Seng Index. BEA also operates one of the largest networks of any bank in Hong Kong, with 140 branches and SupremeGold Centres throughout the city.
In Mainland China, BEA's operational presence dates back to the opening of the Bank's Shanghai Branch in 1920. Today, BEA Group operates one of the largest networks of any foreign bank, with over 70 outlets in major urban centres nationwide.
Over the years, BEA has built its reputation as a pioneer in the provision of innovative, value-added banking services to customers on the mainland. Among its recent achievements, the Bank is recognised as:

• one of the first foreign banks to receive approval from the China Banking Regulatory Commission to establish a locally-incorporated bank in Mainland China (2007). This wholly-owned subsidiary, namely The Bank of East Asia (China) Limited, offers a full range of Renminbi-denominated banking and investment services to a broad customer base that includes local residents and businesses.
• the first foreign bank to launch Renminbi debit cards and credit cards in Mainland China (2008).
• the first foreign bank to issue Renminbi retail bonds in Hong Kong (2009).

Overseas, BEA has established a presence in North America, the United Kingdom, the British Virgin Islands, and Southeast Asia. In addition to the Bank's branches in Los Angeles and New York, the BEA Group serves its North American customers through its New York-based banking subsidiary, The Bank of East Asia (U.S.A.) N.A. Worldwide, including Hong Kong and the rest of Greater China, BEA operates more than 240 outlets and employs over 10,000 people.

Products and Services
BEA has long been known for the comprehensive range of retail and commercial banking services that it provides to a wide array of customers. Retail and wholesale banking services are delivered through the Bank's Personal Banking, Corporate Banking, Wealth Management, Investment Banking, China, and International divisions. Products and services include deposit-taking, foreign currency savings, retail investment and wealth management services, mortgage loans, consumer loans, credit cards, Cyberbanking, bancassurance, Mandatory Provident Fund services, trade finance, syndication loans, remittances, and foreign exchange margin trading. In addition to the Bank's core offering, other members of the BEA Group broaden the range of products and services available to individual and corporate customers. BEA's wholly-owned subsidiaries BEA Life Limited and Blue Cross (Asia-Pacific) Insurance Limited serve as underwriters of life insurance and general insurance products, respectively while global professional services provider, Tricor Group, offers integrated Business, Corporate and Investor Services.
BEA keeps abreast of the latest market trends and strive to leverage developments in the marketplace to offer new or enhanced products and services that suit customers' needs. For more details on BEA's products and services, please browse our other pages of this website.

Mitsubishi UFJ Financial Group, Inc.
7-1 Marunouchi 2 Chome
Chiyoda-ku
Tokyo, ?00-8330
Japan
Phone: 81 3 3240 8111
Fax: 81 3 3240 8203

Company Overview
Company Name Mitsubishi UFJ Financial Group, Inc.
Business Purpose MUFG manages the affairs of its subsidiaries within the group and the business of the group as a whole along with all relevant ancillary business.
Top Management Chairman: Takamune Okihara
Deputy Chairman: Kinya Okauchi
President & CEO: Katsunori Nagayasu
Address 7-1, Marunouchi 2-Chome, Chiyoda-ku, Tokyo, Japan new windowmap
Date of Establishment April 2, 2001
Amount of Capital 2, 136 billion yen (As of Mar. 31, 2010)
Stock Exchange Listings Tokyo, Osaka, Nagoya, New york (NYSE ticker : MTU)

Financial results for fiscal year 2009
Consolidated net income for fiscal year 2009 improved by 645.6 billion yen to 388.7 billion yen over last fiscal year's net losses. This can be primarily attributed to such factors as the followings: gross profits increased driven by the domestic and overseas lending and trading business, general and administrative expenses were slashed in real terms owing to our group wide cost cutting efforts as well as cost synergies of the system integration, and net gains on equity securities improved significantly as the stock market recovered. While there was a decline in loans compared to the end of September 2009 mainly due to a decrease in overseas loans associated with the normalization of capital markets and deconsolidation of The Senshu Bank, deposits increased steadily because of the significant growth in domestic deposits. In term of our financial soundness, our capital base was further strengthened mainly by one trillion yen common share offering, and our consolidated BIS capital ratio and Tier 1 ratio improved significantly to 14.87% and 10.63%, respectively, over the end of the previous fiscal year. In addition, our non-performing loan ratio remained low at 1.50%. With respect to dividends paid to common shareholders, we decided, as initially forecasted at the beginning of the fiscal year, to distribute a fiscal year end dividend of 6 yen per share and total dividends, inclusive of an interim dividend, of 12 yen per share for the year.

Key management issues
We launched our three-year medium-term business plan last year in which we devoted the first half to the enhancement of core business fundamentals. In addition to fulfilling social and economic responsibility by facilitating smooth flows of funds, we have streamlined our operation by reducing costs, re-allocating personnel, and reducing equity holdings. Furthermore, in anticipation of new regulatory capital requirements, we shored up our capital base in December of last year and worked to further fortify our financial positions. With respect to our growth strategies, we further reinforced our network in Asia, a region that continues to enjoy high rates of growth, and otherwise worked to lay the foundation for future growth. In addition to promoting global collaboration through a strategic alliance with Morgan Stanley, we launched a joint venture securities business in Japan this May, with the aim of becoming a leading company in the Japanese securities industry. Despite a difficult business environment after the global financial crisis, we managed to post earnings that surpassed our initial targets and implemented strategic initiatives with an eye towards securing future growth. Fiscal year 2010 will be a very important year for MUFG. This year will be the turning point in our medium-term business plan, a shifting of gears from the phase of "enhancement of core business fundamentals" with an emphasis on risk management to the new phase of "accelerating growth". We will further promote efficiency, strive to offer products and services that meet the needs of our clients, and proactively allocate resources to priority business area such as our CIB business, inclusive of our strategic alliance with Morgan Stanley, and our Asian business in order to dynamically drive forward our growth strategies. With a commitment to strong profitability and integrity which are the cornerstones of trust and credibility, MUFG aims to become a globally respected leading financial group, and all of our executives and employees will join forces towards the attainment of this goal.

Medium- and long-term management strategy
MUFG Group is a fully-fledged comprehensive financial group comprising commercial banks, trust banks, and securities companies, as well as credit card companies, leasing companies, consumer finance companies, investment trust companies and a U.S. bank (Union Bank). MUFG Group aims to unify these Group companies to deliver top quality products and services that meet diverse customer needs. We aim to be No. 1 in service, No.1 in reliability, and No.1 in global coverage and so gain the strong support of customers and society as a premier, comprehensive, global financial group.

• No.1 in Service MUFG Group will leverage its strengths as a comprehensive financial group to provide to its customers with an outstanding level of high-quality service that is matched to their individual needs. MUFG Group will fully utilize the integrated business group system comprising our three core business groups-Retail, Corporate and Trust Assets (asset management and asset administration)-and meet diverse customer needs rapidly and accurately as a unified group that transcends business boundaries.
• No.1 in Reliability MUFG Group aims to be a truly reliable financial group and will strive to further enhance its financial health, implement thorough legal and other compliance and strengthen internal controls. Moreover, we will fulfill our responsibilities to society through enhancing customer satisfaction, and pursuing CSR activities that contribute to society and to environmental conservation.
• No.1 in Global Coverage MUFG Group aims to use its Group strengths to the maximum, leveraging the leading global network amongst Japanese banks and talented staff well-versed in the business of each country to swiftly and precisely meet the requirements of customers globally.

Standard Chartered Bank
Singapore, Global Headquarters + 65 6376 2000

Standard Chartered was formed in 1969 through a merger of two banks: The Standard Bank of British South Africa, founded in 1863, and the Chartered Bank of India, Australia and China, founded in 1853. Both companies were keen to capitalise on the huge expansion of trade and to earn the handsome profits to be made from financing the movement of goods between Europe, Asia and Africa.
 

The Chartered Bank
Founded by James Wilson following the grant of a Royal Charter by Queen Victoria in 1853.
Chartered opened its first branches in Mumbai (Bombay), Kolkata and Shanghai in 1858, followed by Hong Kong and Singapore in 1859.
Traditional trade was in cotton from Mumbai (Bombay), indigo and tea from Kolkata, rice from Burma, sugar from Java, tobacco from Sumatra, hemp from Manila and silk from Yokohama.
Played a major role in the development of trade with the East which followed the opening of the Suez Canal in 1869 and the extension of the telegraph to China in 1871.
In 1957 Chartered Bank bought the Eastern Bank together with the Ionian Bank's Cyprus Branches. This established a presence in the Gulf.

The Standard Bank
Founded in the Cape Province of South Africa in 1862 by John Paterson. Commenced business in Port Elizabeth, in January 1863.
Was prominent in financing the development of the diamond fields of Kimberley from 1867 and later extended its network further north to the new town of Johannesburg when gold was discovered there in 1885.
Expanded in Southern, Central and Eastern Africa and, by 1953, had 600 offices.
In 1965, it merged with the Bank of West Africa, expanding its operations into Cameroon, Gambia, Ghana, Nigeria and Sierra Leone.
From the early 1990s, Standard Chartered has focused on developing its strong franchises in Asia, Africa and the Middle East. It has concentrated on consumer, corporate and institutional banking and on the provision of treasury services - areas in which the Group had particular strength and expertise.  Since 2000 the Bank has achieved several milestones with a number of strategic alliances and acquisitions, which have extended the customer and geographic reach and broadened the product range that Standard Chartered offers.

Our Principles
Leading by example to be the right partner for its stakeholders, the Group is committed to building a sustainable business over the long term that is trusted worldwide for upholding high standards of corporate governance, social responsibility, environmental protection and employee diversity. It employs over 75,000 people, nearly half of whom are women, The Group's employees are of 125 nationalities, of which about 70 are represented among senior management.

Strategic intent

• To be the world's best international bank
• Leading the way in Asia, Africa and the Middle East

Brand promise

• Leading by Example to be The Right Partner

Values

• Courageous
• Responsive
• International
• Creative
• Trustworthy

Approach

• Participation Focusing on attractive, growing markets where we can leverage our relationships and expertise
• Competitive positioning Combining global capability, deep local knowledge and creativity to outperform our competitors
• Management Discipline Continuously improving the way we work, balancing the pursuit of growth with firm control of costs and risks
• Commitment to stakeholders
• Customers Passionate about our customers' success, delighting them with the quality of our service
• Our People Helping our people to grow, enabling individuals to make a difference and teams to win
• Communities Trusted and caring, dedicated to making a difference
• Investors A distinctive investment delivering outstanding performance and superior returns
• Regulators Exemplary governance and ethics wherever we are
  

Our business
Standard Chartered PLC, Listed on both the London Stock Exchange and the Hong Kong Stock Exchange, ranks among the top 20 companies in the FTSE-100 by market capitalisation. The London-headquartered Group has operated for over 150 years in some of the world's most dynamic markets, leading the way in Asia, Africa and the Middle East. Its income and profits have more than doubled over the last few years primarily as a result of organic growth, supplemented by acquisitions.

Consumer Banking
Consumer Banking offers a broad range of products and services to meet the borrowing, wealth management and transaction needs of individuals.

Wholesale Banking
Wholesale Banking has a client-focused strategy, providing trade finance, cash management, securities services, foreign exchange and risk management, capital raising and corporate finance solutions.

SME Banking
Our SME Banking division offers products and services to help small and medium enterprises manage the demands of a growing business, including the support of out international network and trade expertise.

Islamic Banking
Standard Chartered Saadiq's dedicated team provides comprehensive international banking services and a wide range of Shariah-compliant financial products based on Islamic values.

The Standard Chartered Private Bank
Our Private Bank advisors and investment specialists provide customised solutions to meet the unique needs and aspirations of high net worth clients.

Deutsche Bank AG
Taunusanlage 12
Frankfurt Am Main, 60325, Germany
Phone: 49 69 910 00
Fax: 49 69 910 34225

Our mission
We compete to be the leading global provider of financial solutions, creating lasting value for our clients, our shareholders, our people and the communities in which we operate. Our mission gives our business a clear purpose and direction. It is rooted in our brand. Our brand captures and projects a clear idea of who we are. It is something against which all our activities – products, services, behavior and communications – can be judged. It is simple, succinct and unequivocal.

Our brand
Deutsche is clear: we are here to perform – in business and beyond. We do this with a unique mix of passion and precision. This measured approach gives us the confidence to enable agile minds to look beyond the obvious, gaining advantage for everyone we work with. Strong brands evoke strong emotions. Today everyone looks for personality in business, for the same reasons they look for it in people. It helps us decide who we trust, who we admire and who we’d like to work with. Our claim has always been much more than a marketing slogan or advertising strapline. It defines our attitude and will continue to do so. It carries an inclusive proposition: performance represents all that we do for our clients, not just bottom-line results. Visually, we say it with more conviction, with more passion, in a new handwritten style.

Our personality
We are passionate Our passion is the passion to perform – as one bank. The trust people place in us is based on our passion as individuals – we each make a difference. That’s why to us at Deutsche, ‘Passion to Perform’ is more than just a claim – it is the way we do business.

We are precise As a German global brand, a desire for accuracy, thoroughness and quality runs through our organization. We understand issues in depth. This is why we keep things simple and clear. The pursuit of excellence is a cornerstone of who we are and underpins everything we do. The unique mix of passion and precision is behind Deutsche’s stability and performance.

We are confident Our confidence is supported by our meritocratic tradition and culture. Our confidence makes us a reliable partner for people with ambitious goals – in business and beyond. Based on our leadership and beliefs, we build social capital.

We are agile-minded At Deutsche, agile minds are at the heart of all performance. We are open-minded and embrace change in a globalised world. As we constantly challenge the status quo, we value the differences that make a difference. We recognize innovation’s social value to gain advantage for everyone we work with.

Our values
The principles that guide our behavior to deliver our brand:

Performance – We are committed to a result-oriented culture.
Trust – We behave reliably, fairly and honestly.
Teamwork – We benefit from the diversity of our business and our people by working together to achieve success.
Innovation – We are constantly challenging conventional wisdom and developing new solutions to meet customer requirements.
Client Focus – We place customers at the centre of our activities and they drive all that we do.

Our promise
What our stakeholders can expect from our brand
excellence in idea origination and execution, in advice, product and service, delivering one bank with all its resources and capabilities
relevant client solutions understanding diverse client needs, adding value, building trust and commitments that endure
responsibility acting today, thinking about tomorrow, demonstrating transparency and leadership

Corporate and Investment Bank
The Corporate and Investment Bank Group Division, or CIB, is responsible for Deutsche Bank’s capital markets business, comprising the origination, sales and trading of capital markets products including debt, equity, and other securities, together with our corporate advisory, corporate lending and transaction banking businesses. Our clients are institutions, both public sector, including sovereign states and supranational bodies, and private sector entities, from medium-sized businesses to large multinational corporations. CIB is subdivided into two Corporate Divisions: Corporate Banking & Securities and Global Transaction Banking.

Corporate Banking & Securities
Corporate Banking & Securities comprises our Global Markets and Corporate Finance businesses, and covers Deutsche Bank’s origination, sales and trading of securities, corporate advisory and M&A businesses, together with other corporate finance activities.

Global Transaction Banking
Global Transaction Banking covers Deutsche Bank’s trade finance, cash management and trust & securities services businesses and serves both financial institutions and corporate clients. Corporate Finance and Global Transaction Banking are together named Global Banking.

Products and Services
Global Markets Global Markets undertakes trading and product structuring across a wide range of financial products, including bonds, equities and equity-linked products, exchange traded and over-the-counter derivatives, foreign exchange, money market instruments, securitised instruments and commodities. The origination, underwriting and syndication of debt and equity securities are managed jointly by Global Markets and Corporate Finance.

Corporate Finance
Corporate Finance is comprised of Mergers and Acquisition Advisory (M&A), Equity Capital Markets (ECM), Leveraged Debt Capital Markets (LDCM), Commercial Real Estate (CRE), Asset Finance & Leasing (AFL) and corporate lending services. All products and services are delivered to clients through regional and industry-based client coverage.

Forex Trading
Use Deutsche Bank's online margin foreign exchange (FX) trading platform for individuals and small institutions. As the No. 1 FX Bank in the world, Deutsche Bank brings the benefits of the FX market to you.

Exchange Traded Funds (ETFs)
db x-trackers are Exchange Traded Funds (ETFs), an index tracking investment solution offered by Deutsche Bank. ETFs combine the advan tages of stocks and mutual funds in one product. They can be traded just like equities on the stock exchange at any time and allow you to invest in the underlying index on a one-to-one basis, without sub­ject ing you to front end loads and high management fees. db x-trackers ETFs provide access to a broad range of markets or regions as well as inno vative stra­tegies such as short and dividend indices. Fixed income ETFs on money market, bond and credit indices offer investors an alter­native to further diver sify their portfolios.

Systematic Funds
Leveraging the expertise of a leading global investment bank to offer a new generation of funds - the cutting edge. In 2008, we were voted Europe's Structured Funds House of the Year by Structured Products Magazine

Global Transaction Banking
Global Transaction Banking (GTB) delivers commercial banking products and services for corporate clients and financial institutions, including domestic and cross-border payments, professional risk mitigation and financing for international trade as well as the provision of trust, agency, depositary, custody and related services. Business units include Cash Management for Corporates and Financial Institutions, Trade Finance and Trust & Securities Services.

Cash Management
Cash Management refers to the management of liquid assets in dollars, euro and other currencies for companies and financial institutions to optimize financial transactions.

Clearing
Clearing comprises the process of trans mitting, re con ciling and, in some cases, confirm ing payment orders.

Trade Finance
Trade Finance offers corporates and financial institutions industry leading technology, online trading modules and an extensive range of trade products and services across its global network - which spans 77 locations in 37 countries - to increase the efficiency of cross-border trading. Indeed, with Deutsche Bank as your trade finance partner, you can seamlessly manage documentary collections, letters of credit and trade guarantees alongside your risk management and structured export finance.

Trust & Securities Services
Broad range of administrative services for securities. They include, for example, securities custody, trust administration, issuing and paying agent services, depositary bank function for American Depositary Receipts (ADRs).

Sustainable products and services

BB & T Corp.
200 West Second Street
Winston-salem, NC 27101
United States
Phone: 336-733-2000
Fax: 336-721-3499

BB&T Corporation, headquartered in Winston-Salem, N.C., is among the nation's top financial-holding companies with $165.8 billion in assets. Its bank subsidiaries operate more than 1,800 financial centers in the Carolinas, Virginia, West Virginia, Kentucky, Georgia, Tennessee, Maryland, Florida, Alabama, Indiana, Texas and Washington, D.C. BB&T ranks No. 2 in market share in North Carolina; No. 3 in Virginia and South Carolina; No. 5 in Georgia and Florida; No. 1 in West Virginia; No. 4 in Alabama and Kentucky; No. 6 in Tennessee and Maryland; and No. 7 in Washington, D.C.

BB&T's operating strategy distinguishes it from other financial holding companies. BB&T's banking subsidiaries are organized as a group of community banks, each with a regional president, which allows decisions to be made locally, close to the client. This also makes BB&T's client service more responsive, reliable and empathetic.

Since 1989, BB&T has completed the acquisition of more than 60 community banks and thrifts, more than 100 insurance agencies, and 35 non-bank financial services companies. This acquisition strategy has contributed significantly to BB&T's success.

At BB&T we recognize that you're an individual, with a unique set of financial goals and ambitions. We also know that what you need from us will change as you go through your life. That's why we believe in building strong relationships, and that complete financial security comes from making one good decision at a time. We can offer solutions to all your financial needs, and the accounts, tools, and services to help you meet your goals.

Our Philosophy
In a rapidly changing and unpredictable world, individuals and organizations need a clear set of fundamental principles to guide their actions. At BB&T we know the content of our business will, and should, experience constant change. Change is necessary for progress. However, the context, our vision, mission and values, are unchanging because these principles are based on basic truths.

BB&T is a mission-driven organization with a clearly defined set of values. We encourage our employees to have a strong sense of purpose, a high level of self-esteem and the capacity to think clearly and logically.

We believe that competitive advantage is largely in the minds of our employees as represented by their capacity to turn rational ideas into action towards the accomplishment of our mission.

BB&T's operating strategy distinguishes it from other financial holding companies. BB&T's banking subsidiaries are organized as a group of community banks, each with a regional president, which allows decisions to be made locally, close to the client. This also makes BB&T's client service more responsive, reliable and empathetic.

Since 1989, BB&T has completed the acquisition of more than 60 community banks and thrifts, more than 100 insurance agencies, and 35 non-bank financial services companies. This acquisition strategy has contributed significantly to BB&T's success.

This information is accurate as of March 31, 2010.

• Rated one of country's safest and soundest financial institutions.
• More than 1,800 branches in 12 states and Washington, D.C.
• More than 30,000 employees.
• Among the largest mortgage lenders in North Carolina and West Virginia.
• The top small business lender in the Carolinas.
• BB&T Corporation is an S&P 500 Company listed on the New York Stock Exchange under the trading symbol BBT.
• Ranked as the 10th largest financial holding company in the United States.
• Total assets at $163.7 billion.
• More than 692 million shares outstanding.
• $70 billion in total invested assets.
• Ranked among the 2003 World's Top 50 Financial institutions for Market Capitalization by Retail Banker International.  
• Has paid a dividend to shareholders every year since 1903.
  
  

  BB&T affiliates are routinely recognized for superior performance.

• BB&T Insurance Services Inc., is the largest bank-owned insurance agency/brokerage in the Carolinas and the 7th largest in the country, through a network of independent agencies. As an independent insurance agency, we represent most major carriers in the United States.
• Scott & Stringfellow Inc. is a full-service regional brokerage firm with a longstanding commitment to developing lasting client relationships based on mutual trust and respect.  They have 43 retail brokerage offices throughout the Carolinas, Virginia, Georgia, West Virginia and New Jersey.
• BB&T Investment Services Inc. currently serves more than 200,000 clients who have invested more than $4.6 billion.
• The Wall Street Journal consistently ranks BB&T Capital Markets Equity Research analysts among the nation's "Best on the Street."

Agricultural Bank of China
No.69,Jianguomen NeiAvenue,Dongcheng District,Beijing, P.R.China,100005
E-mail：95599bj@abchina.com
Customer Service Center：95599

The Agricultural Bank of China (hereafter referred to as ABC or the Bank) is the first commercial bank established in the People's Republic of China in 1951 and the State's first specialized bank set up after the reform and opening-up of the country in February 1979. Ever since its establishment, the Bank has been playing an important role in China's rural economic sector. In 1994, the Agricultural Development Bank was separated from ABC. In 1996, the Rural Credit Cooperatives, once an affiliated financial institution to the Bank, were also detached. After this, ABC started its transformation into a wholly state-owned commercial bank. On January 15th, 2009, the Bank changed the registration with the Industrial and Commercial Bureau and was transformed in its entirety to a joint-stock company, i.e., Agricultural Bank of China Limited.

The year of 2008 witnessed a rapid growth of ABC with enhanced operational efficiency and improved asset quality. ABC's net profits in 2008 increased to RMB 51,453 million. Meanwhile, the total assets stood at RMB 7,014,351 million with total deposits of RMB 6,097,428 million and outstanding loans at RMB 3,100,159 million. Underscoring ABC's prudential operating approach and commitment to sustainable franchise development, ABC's non-performing loan (NPL) ratio is 4.32% and capital adequacy ratio is 9.41%. With the largest network across China and an advanced IT system, the Bank is able to provide convenient, efficient financial services to over 350 million clients. Currently, ABC has 24,064 branches, sub-braches and outlets, 30,089 ATMs and has established correspondent banking relationships with 1,171 banks worldwide.

In 2008, ABC took the 223rd place in the Fortune Global 500 and was rated A1/Stable by the Moody's.

ABC is committed to serving agro-related sectors and dedicated to providing first-class financial services to both urban and rural clients. With full international capabilities, an innovated business model and prudential operations, the Bank provides tailored services to communities both at home and abroad. Based on its large physical and electronic network and diversified products, ABC is striving to build itself into a modern universal bank with a sustainable development outlook.

Societe Generale
29 Boulevard Haussmann
75009 Paris
tel:+ 33 (0)1 42 14 20 00

Deliver growth with lower risk
“In an environment that will experience considerable changes going forward, I definitely consider that Société Générale has a very strong business model with key competitive edges to be one of the most successful European banks. The last few years have been challenging for the Group, its shareholders and employees but we have learnt from the crisis. 2010 represents the beginning of a new period for Société Générale. In this respect, the results delivered in the first quarter are a first tangible proof of our ability to rebound. My strategy for the coming years will be to enhance our client-oriented and integrated universal banking model, take advantage of our strong positions in regions with high growth potential and further transform our operational model. Keeping as a priority the high quality banking services we want to bring to our clients, we will deliver strong results on the back of a sustainable growth, and strictly discipline financial and risk management.”

A client-oriented universal bank refocused on three pillars
The Group confirms its universal banking model, which demonstrated its resilience during the crisis and should remain effective in a 2010-2015 environment marked by considerable uncertainty and increasing constraints.
The strength of this model is based not only on the long-term relationships that it builds with clients, but also on its diversification (multi-businesses and multi-clients) and on an appropriate balance between financing solutions and deposits collection.
From five business lines on an equal footing, the model has been refocused on three pillars:

• French Networks,
• International Retail Banking,
• Corporate and Investment Banking.

These pillars are at the heart of relationships with clients. Their solid positioning offers significant growth potential for the Group.
The two other businesses, Specialised Financial Services & Insurance and Global Investment Management & Services are expected to consolidate their respective leadership positions. They will support the above mentioned pillars, and be developed based on four simple criteria:

• the level of potential synergies with the Group’s three pillars,
• their consumption of scarce resources,
• their contribution to the Group’s financial results,
• their ability to maintain competitive positions.

Fully unlock the Group’s growth potential
Societe Generale’s portfolio of activities is unique in that it offers, compared to a large number of peers, significant potential for sustainable and profitable growth. In addition to holding significant competitive advantages, the Group operates in geographies with significant potential going forward.
The Group’s renewed management team intends to accelerate this growth through more than 50 initiatives involving all its business lines and reflecting the “Ambition SG 2015” plan. In a nutshell, Societe Generale aspires to the following accomplishments:

• Be the benchmark for customer satisfaction in French retail banking,
• Top 3 in Central and Eastern Europe and Russia,
• Top 5 position in Europe in Corporate & investment banking,
• For the Group as a whole, return to profitable and mainly organic growth over the 2009-2015 period.

By 2012, Societe Generale will roll out its ‘Ambition 2015’ initiatives and fully unlock the potential of its franchises. The Group will continue with the arbitrages in its business portfolios that were initiated with the creation of Amundi, the restructuring of peripheral activities, the consolidation of the Russian activities, the purchase of 20% in Crédit du Nord and, as announced by the Groupe on 14 June 2010, the start of exclusive negotiations regarding the potential acquisition of Société Marseillaise de Crédit by Crédit du Nord.

Transform the operational model and strictly control risks
Capitalising on the lessons learnt from the crisis, Societe Generale will continue to adapt to theenvironment and, by focusing on:

• The improvement of its operational efficiency through the industrialisation of processes and the pooling of resources
• The development of internal synergies
• Attracting talents and developing best practices in terms of management
• A constant and reinforced vigilance on risk control

Deliver around EUR 6bn in earnings target by 2012
In a scenario of modest GDP growth worldwide, Societe Generale is targeting:

• Net earnings group share around EUR 6 bn in 2012
• An annual 4% revenue growth between 2009 and 20121
• C/I ratio below 60% in 2012
• An average cost of risk of 55-65bps of loans and receivables outstandings across the cycle
• After tax RoE of around 14-15% in 2012

The Group will maintain a solid capital position over the period with a minimum Core Tier 1 ratio of 8% by 2012 (under Basel II and post CRD3).



 

KeyCorp
127 Public Square
Cleveland, OH 44114-1306
United States
Phone: 216-689-6300
Fax: 216-689-0519

Cleveland-based KeyCorp is one of the nation's largest bank-based financial services companies, with assets of approximately $95 billion. Key companies provide investment management, retail and commercial banking, consumer finance, and investment banking products and services to individuals and companies throughout the United States and, for certain businesses, internationally. The company's businesses deliver their products and services through branches and offices; a network of 1,501 ATMs; telephone banking centers 800-KEY2YOU® (800-539-2968); and a website, Key.com®, that provides account access and financial products 24 hours a day.

ICICI Bank
Toll-free numbers
India: 1800-22-4848 Singapore: 800 ICICI 4U
UK: 0 8081 314151 US/Canada: 1866 ICICI 4U
Non toll-free number: +91-40-2312 8925

Corporate Profile
ICICI Bank is India's second-largest bank with total assets of Rs. 3,634.00 billion (US$ 81 billion) at March 31, 2010 and profit after tax Rs. 40.25 billion (US$ 896 million) for the year ended March 31, 2010. The Bank has a network of 2,016 branches and about 5,219 ATMs in India and presence in 18 countries. ICICI Bank offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and through its specialised subsidiaries in the areas of investment banking, life and non-life insurance, venture capital and asset management. The Bank currently has subsidiaries in the United Kingdom, Russia and Canada, branches in United States, Singapore, Bahrain, Hong Kong, Sri Lanka, Qatar and Dubai International Finance Centre and representative offices in United Arab Emirates, China, South Africa, Bangladesh, Thailand, Malaysia and Indonesia. Our UK subsidiary has established branches in Belgium and Germany. ICICI Bank's equity shares are listed in India on Bombay Stock Exchange and the National Stock Exchange of India Limited and its American Depositary Receipts (ADRs) are listed on the New York Stock Exchange (NYSE).

Corporate Social Responsibility
ICICI Bank is deeply engaged in human and economic development at the national level. The Bank works closely with ICICI Foundation across diverse sectors and programs.

Awards

• ICICI Bank amongst the top 3 to receive the FE- EVI Green Business Leaders Award, in the banking industry
• ICICI Bank wins the Asian Banker Award for Best Banking Security System
• ICICI Bank is the first and the only Indian brand to be ranked as the 45th most valuable global brand by BrandZ Top 100 Global Brands Report.
• ICICI Bank has been ranked 1st in the term money category, from a list of 38 leading Banks by the German magazine, Euro. Since commencement of business two years ago in the German market, this is the 5th certification/award including 2 certifications from Stiftung warrenttest (for Savings and Term Deposits) and three "Best Bank" rankings by Euro magazine.
• Forbes' 2000 most powerful listed companies' survey ranked ICICI Bank 4th among the Indian companies and 282nd globally.
• ICICI Bank was awarded The Asian Banker Achievement Award 2009 for Cash Management in India.
• The Economic Times-Corporate Dossier Annual Survey of India Inc's Most Powerful CEOs featured Ms Chanda Kochhar, MD and CEO, as the most powerful women CEO in India. She was ranked 13th in the overall power list.
• ICICI Group Global Private Clients (GPC) has won the coveted 'Euromoney Private Banking Award 2010' for Best Bank in the Super-Affluent Category (USD 500,000 to USD 1 million) - India.
• ICICI Bank wins the Asian Banker Award for Excellence in SME Banking 2009
• ICICI Bank won the second prize in the Six Sigma Excellence Awards, conducted by Indian Statistical institute, Bangalore for "Improving Sales for TV Banking business"
• Mr.N. Vaghul, Former Chairman, ICICI Bank was awarded the "Padma Bhushan"

Personal banking
Accounts & Deposits

• Savings Account
• Salary Account
• Fixed Deposit
• Recurring Deposits

Loans

• Home Loan
• Personal Loans
• Car Loans

Cards

• Debit Cards
• Commercial Cards

Investments

• ICICI Bank Bonds
• GOI Bonds
• Mutual Funds
• IPO
• ICICI Bank Pure Gold

 Insurance

• General Insurance
• Life Insurance

Online Services
Demat
Mobile Banking
Wealth Management

Corporate banking
Commercial Banking

• Cash Management Services
• Global Trade Services

Global Markets

• Forex Desk
• Derivatives Desk

Investment Banking

• Mergers and Acquisitions Advisory

FI, Capital Markets & Custodial Services

• Financial Institutions

Structured Finance

• Structured finance for Corporate clients

International Banking

• VOSTRO Accounts

Government Banking

•  Our Services
•  Our E-governance initiatives

Technology Finance

• TDC Programme

China Merchants Bank
Customer Service: 95555

Savings Business

• Bankbook
• Fixed deposit receipt
• Personal Checkbook
• Current Savings Account
• Time Deposit
• Call Deposit
• Educational Deposit
• Redeposit service
• Self-service Transfer
• Intra-city Transfer Service
• Domestic Remittance
• Overseas Remittance
• Foreign Currency Exchange
• VISA/PLUS Card Cash Services
• Collection of Deposit

home banking service

• Payment by CardOn-line Payment
• Self-help Fee Payment Service
• All-in-one-card Telecom Service
• Safe Custody Service
• Fee and Charge Collect
• Shenzhouxing Top-up Service
• Emigration Financial Consulting
• Electronic Air Ticket Booking
• CMB Account Certificate
• Certificate of Deposit Service
• CMB Certificate of Balance
• Secretary Service

credit business

• Automobile Consumption Loan
• Consumption Loans
• House Mortgage Loans
• Education Loans
• Hypothecated Loans
• Self-service Loans

Investment Business

• Stock Shares
• Open FundForex Express
• Gold Trading
• Bank-Insurance Express
• ForEx investment products

electronic banking

• Telephone Banking Service
• Mobile Banking Service
• Palm Banking
• Banking Outlets

China Construction Bank
No. 25, Finance Street, Xicheng District, Beijing, China, Postcode 100032
24-hour service hotline: 95533

Vision
Pioneer always at the forefront of China’s economic modernization, strive to be a world-class bank.

Mission
Provide better service to our customers, create higher value to our shareholders, build up broader career path for our associates and assume full responsibilities as a corporate citizen.

Core Values
Integrity, Impartiality, Prudence, Creation

Concepts

• Business concept: Market-oriented, customer-centric
• Service concept: Customer first, Detail-focused
• Risk concept: Knowing the customer, understanding the market, involving all associates, focusing on top priorities
• Talent concept: Emphasis on comprehensive talent, focus on business performance

Style of work
Diligent and disciplined, seeking truth and reality

Lloyds Banking Group
25 Gresham Street
London
EC2V 7HN
Tel: +44 (0) 20 7626 1500

Our Opportunity
Lloyds TSB Group plc was renamed Lloyds Banking Group plc on 19 January 2009, following the acquisition of HBOS plc. This makes us the largest retail bank in the UK with a number of leading market positions. One in three people bank with us. Get an overview of the company. Our goal is to be the best financial services provider in the UK. We believe this means we must build a leadership position not on the basis of scale but on the foundations of reputation and recommendation. While the short term outlook for all financial services companies in the UK and around the globe is challenging, we believe that the acquisition of HBOS will be a success and presents us with many opportunities. We have a business that has clear scale benefits, which in time can lead to superior returns in the new banking environment.

Our Responsibility
The creation of Lloyds Banking Group comes with a big responsibility. Serving over thirty million people means we have a clear role to play in society; through helping our customers everyday.

We have strengths and products from both companies - including Lloyds TSB’s prudent approach to risk and HBOS’s leading savings, mortgage and bancassurance businesses. We have multiple brands which mean we can serve customers in terms of pricing and positioning to cover and attract more of the market. Lloyds TSB and Halifax will be our main brands in England and Wales and Bank of Scotland will be our main brand in Scotland. We can keep our costs down and improve our services to customers because we can deliver efficiencies through shared services. We have a distribution network that is second to none, including the largest branch network in the UK. What’s in it for our customers, our colleagues and our shareholders? For our customers: the combination of both organisations will help us offer the best convenience, choice and expertise. For our colleagues: the scope and scale of our new company will provide exciting opportunities to grow and develop their career. Our people are going to be vital to making our new organisation the best it can possibly be. For our shareholders: as we look beyond the near term, we believe the strength and size of the Group will offer significant opportunities.

Our purpose is to build deep, lasting customer relationships which help our customers achieve what’s important to them. Our vision is to be recognised as the best financial services company by shareholders, customers and colleagues. Deep, lasting relationships that help our customers succeed, giving us the opportunity to succeed.

Corporate Governance
The board considers that good governance is central to achieving the Group's governing objective of maximising shareholder value over time. That has been uppermost in directors' minds when applying the principles contained in the combined code on corporate governance issued by the Financial Reporting Council. The group is led by a board comprising executive and non-executive directors with wide experience. The appointment of directors is considered by the board and, following the provisions in the articles of association, they must stand for election by the shareholders at the first annual general meeting following their appointment and must retire, and may stand for re-election by the shareholders, at least every three years. Independent non-executive directors are appointed for three-year renewable terms, which may, in accordance with the articles of association, be terminated without notice or payment of compensation. The board meets at least nine times a year. It has a programme designed to enable the directors regularly to review corporate strategy and the operations and results of the businesses and discharge their duties within a framework of prudent and effective controls relating to the assessing and managing of risk. The roles of the chairman, the group chief executive and the board and its governance arrangements, including the schedule of matters specifically reserved to the board for decision, are reviewed annually. The board has delegated to management the power to make decisions on operational matters, including those relating to credit, liquidity and market risk, within an agreed framework. All directors have access to the services of the company secretary, and independent professional advice is available to the directors at the Group's expense, where they judge it necessary to discharge their duties as directors. The board evaluates its performance and that of its committees and individual directors with advice and assistance from Dr Tracy Long, Boardroom Review. Directors were invited to comment, through questionnaires and interviews, and the responses were reviewed and discussed by the board. Where areas were identified, action has been agreed. The chairman's performance is evaluated by the non-executive directors, led by the senior independent director, taking account of the views of executive directors. The remuneration committee reviews the performance of the chairman, the group chief executive and the other group executive directors, when considering their remuneration arrangements. The nomination committee reviews the structure, size and composition of the board, taking account of the skills, knowledge and experience of directors. Like all board committees, the nomination committee and remuneration committee report to the board on their deliberations. The chairman has a private discussion at least once a year with every director on a wide range of issues affecting the Group, including any matters which the directors, individually, wish to raise. There is an induction programme for all new directors, which is tailored to their specific requirements and includes visits to individual businesses and meetings with senior management. Additional training and updates on particular issues are arranged as appropriate. Meetings with shareholders in order to develop an understanding of the views of major shareholders, the board receives regular reports from the group finance director and the director of investor relations. The chairman, the group chief executive and the group finance director also have meetings with representatives of major shareholders and the senior independent director also attends some of these meetings. In addition, all directors are invited to attend investment analysts' and stockbrokers' briefings on the financial results. All shareholders are encouraged to attend and participate in the Group's annual general meeting.

British Arab Commercial Bank
8-10 Mansion House Place
London, EC4N 8BJ, UK
Tel.: +44 20 7648 7777

Established in London in June 1972, BACB is a wholesale bank and a leading provider of trade and project finance for Arab markets.

Based in the City of London, the bank's largest single shareholder is HSBC Bank Middle East, a principal member of the HSBC Group. BACB's other shareholders comprise central and state-owned commercial banks from the Arab world.

On 2 June 2009 the Bank changed its corporate status from that of a private to a public company.

BACB is authorised and regulated by the Financial Services Authority (FSA), the UK’s sole financial services regulator under the terms of the Financial Services and Markets Act 2000.
In the UK, banks are not issued with a single licence document. Instead, the FSA grant permission to undertake specific activities, for example, deposit taking.
Details of BACB’s permissions and regulatory status can be obtained by visiting the FSA website at www.fsa.gov.uk and searching the FSA Register using BACB’s reference number 204564.
Money Laundering Prevention Law in the UK
The UK is a member of the Financial Action Task Force (FATF) and the necessary legal framework is in place to implement FATF recommendations for the prevention of money laundering. As a EU member, the UK has also implemented all relevant EU directives.
Key elements of UK law are as follows:
• The laundering of the proceeds of all crime is illegal;
• Laws are in place prohibiting involvement with and the financing of terrorism;
• Banks are obliged to establish the true identity of all customers, keep copies of identification documents and maintain transaction records for at least 5 years after a customer relationship ceases;
• For companies and other non personal entities, banks are required to establish ultimate beneficial ownership;
• Firms are required to appoint a Money Laundering Reporting Officer (MLRO) to act as a focal point for money laundering prevention and to receive Suspicious Activity Reports from staff;
• Financial sector employees are required to report knowledge or suspicion of money laundering or terrorism to the firm’s MLRO, who in turn has an obligation to consider such reports and, if validated, pass them to a central

BNP Paribas
3 rue d'Antin, 75078 PARIS, Cedex 02
Tel : +33 1 40 14 63 58
 

BNP Paribas is a European leader in global banking and financial services and one of the six strongest banks in the world (Rated AA by Standard & Poor's i.e. 3rd rating on a scale of 22). Present across Europe through all its business lines, the Group has four domestic retail banking markets in France, Italy, Belgium and Luxembourg. It has one of the largest international networks with operations in 84 countries and 200,900 employees, including 158,700 in Europe, 15,000 in North America and 10,400 in Asia. (03/31/2010) BNP Paribas has key positions in its three core businesses:

Retail banking
Today, BNP Paribas generates 45% of its 2009 revenues from retail banking, thus gaining a strong international presence in the sector.
In all, BNP Paribas’ retail banking activities employs more than 136,500 people, i.e. over 68% of the Group’s entire workforce, in a total of 52 countries.
These activities include both branch networks (in France and Italy, the United States and emerging markets) and a range of other specialised financial services:
• The banking networks serve more than 16 million clients in almost 6,000 branches throughout the world. These banks offer a wide range of financial products and services to individuals and companies alike.
• Specialised financial services include consumer credit and mortgages (BNP Paribas Personal Finance), financial and operating leases (BNP Paribas Lease Group), as well as corporate vehicle management services (Arval). Offering around 250,000 client contact points, these business lines are market leaders in Europe.

Corporate & Investment Banking
BNP Paribas Corporate & Investment Banking (CIB) provides financing, advisory and capital markets services. It is a globally recognised leader in two areas of expertise: derivatives on all asset classes, and structured financing.
BNP Paribas CIB also has a solid corporate advisory network in Europe and Asia.
BNP Paribas CIB’s clients consist of companies, financial institutions, investment funds and hedge funds. They are central to BNP Paribas CIB’s business model. Staff’s main aim is to develop and maintain long-term relationships with clients, to support them in their business strategy and meet their financing and risk management needs. More than 9,000 relationship managers work with these clients, offering a wide range of services to enhance their strategy, supported by experts across CIB’s various business areas.
BNP Paribas CIB has a presence on all continents, and provides clients worldwide with a global perspective and a pioneering spirit, adapting solutions to suit local conditions.
BNP Paribas CIB benefits from the Group’s large asset base and diverse business model, and is proving to be relatively resilient in the economic and financial crisis affecting the banking sector.

Investment Solutions
Investment Solutions provides the complete portfolio of integrated investment solutions available from the BNP Paribas Group for both private and institutional investors.
It comprises businesses active in gathering, managing, growing, protecting and administrating savings and assets. Investment Solutions comprises 6 complementary businesses (Private banking, Asset management, Online savings & trading, Securities services, Real estate services and Insurance). These businesses are an integral part of the solutions available to BNP Paribas group clients. Thanks to a broad range of high value-added products and services, Investment Solutions covers all the needs of its investor clients—private clients, high net worth individuals, businesses and institutionals, as well as distribution partners. Investment Solutions is a top-tier international player. Its footprint covers 61 countries with 30,000 people. Investment Solutions derives more than 50% of its revenues from business outside France. Investment Solutions business lines are all leaders in their markets, offering a complete portfolio of products and services to a continually growing client franchise, in particular high net worth individuals and institutionals. These solutions are delivered through a variety of distribution channels: directly, via BNP Paribas branch banking networks, as well as through external distribution partnerships. With a presence in nearly 61 countries, Investment Solutions businesses have made international development a cornerstone of future growth and client services. Through organic growth and targeted acquisition these businesses are rapidly strengthening their coverage of Europe as wellas promising emerging markets, across India, Asia and the Middle East.

Merrill Lynch & Co., Inc.
250 Vesey Street
4 World Financial Center
New York, NY 10080
United States
Phone: 212-449-1000
Fax: 212-449-7357

Bank of America is one of the world's largest financial institutions, serving individual consumers, small and middle market businesses and large corporations with a full range of banking, investing, asset management and other financial and risk-management products and services. The company provides unmatched convenience in the United States, serving more than 59 million consumer and small business relationships with more than 6,100 retail banking offices, more than 18,000 ATMs and award-winning online banking with more than 25 million active users. Bank of America offers industry leading support to more than 4 million small business owners through a suite of innovative, easy-to-use online products and services. The company serves clients in more than 150 countries and has relationships with 99 percent of the U.S. Fortune 500 companies and 83 percent of the Fortune Global 500. Bank of America Corporation stock (NYSE: BAC) is a component of the Dow Jones Industrial Average and is listed on the New York Stock Exchange.

Following the combination with Merrill Lynch, Bank of America has become:

• The largest brokerage in the world, with more than 15,000 Financial Advisors and approximately $2.2 trillion in client assets
• A leading provider of global corporate and investment banking services, including commercial lending, global high-yield debt, global equity and global M&A
• A global leader in wealth management, private banking and retail brokerage
• Bank of America owns approximately 34% of the economic interest in BlackRock, an independent, publicly-traded investment management firm

Merrill Lynch – A Global Leader
Merrill Lynch is one of the world’s premier providers of wealth management, securities trading and sales, corporate finance and investment banking services. Working with our clients as strategic partners, we create and execute winning solutions, which address our clients’ most pressing strategic, financial and investment needs—anywhere in the world. We stand apart by building and maintaining solid partnerships with clients. Merrill Lynch places our client relationships first and is proud to conduct our business based on five unwavering principles: Client Focus, Respect for the Individual, Teamwork, Responsible Citizenship, and Integrity.

Trusted Advisors
The world’s leading corporations, financial institutions and governments, as well as the top mutual funds, hedge funds, pensions and endowments, trust Merrill Lynch to help them solve problems and capitalize on opportunities.

Global Partners
More than 60,000 professionals in 40 countries combine local market expertise with Merrill Lynch’s substantial global product resources, technology and capital.

Culture of Innovation
For decades, we have pushed beyond the status quo to design new securities and improve existing structures; create sophisticated analytics and trading systems; structure landmark transactions; and help clients find the right strategies to improve performance.

Superior Execution
Leadership positions in our chosen markets enable us to anticipate market trends, see opportunities as they develop and execute cleanly.

Global Wealth & Investment Management
Global Wealth & Investment Management (GWIM) provides comprehensive wealth management to affluent and high-net-worth clients. It also provides retirement and benefit plan services, philanthropic management and asset management to individuals and institutions.

Several GWIM businesses provide clients a premier level of wealth management and investment services by offering customized financial solutions designed to help them reach their goals. Clients have access to a range of services offered through the following service models:

Merrill Lynch Wealth Management provides clients a personalized financial review and hands-on advice and guidance through a network of approximately 15,000 Financial Advisors throughout the world. Clients with a personal wealth profile of at least $250,000 of investable assets can meet with a highly trained and thoughtfully prepared Merrill Lynch Financial Advisor who is committed to their needs and supported by the broad resources of Merrill Lynch. Clients can receive:

• A disciplined financial management approach that begins by fully comprehending their current financial situation and goals for the future.
• Customized, sophisticated financial strategies and solutions that go beyond investing in stocks and bonds to help address every aspect of their financial life.
• A wealth management framework for organizing and integrating all of their investment objectives.

Merrill Lynch Direct gives clients access to tools and information so they can make their own investment decisions. Clients can decide how much to save, how to allocate assets, when to buy and when to sell.

Private Banking and Investment Group (PBIG) provides tailored solutions to meet the sophisticated needs of ultra-high-net-worth individuals. Clients are served by more than 150 Private Wealth Advisor (PWA) teams across the country with access to an array of experts in areas such as investment management, concentrated stock management and intergenerational wealth transfer strategies.

U.S. Trust, Bank of America Private Wealth Management provides comprehensive investment and wealth management solutions to wealthy and ultra-wealthy clients with investable assets of more than $3 million. The firm has 4,400 associates serving clients in more than 140 offices in 32 states across the country.

Products and Services
GWIM has one of the most robust and dynamic product and solution platforms across the industry. Drawing upon the breadth and depth of Merrill Lynch’s wealth management platform and with access to Bank of America’s comprehensive banking services, Merrill Lynch Financial Advisors can deliver strategies and solutions to help address every aspect of clients’ financial lives.

Products and services teams within GWIM include the following:

Global Client Coverage Group is responsible for the delivery of comprehensive referrals and client coverage capabilities to bring the full power of the combined company to clients.

Global Investment Solutions is responsible for managing GWIM’s financial products, including mutual funds, stocks, bonds, new issue, insurance, alternative investments and structured products.

GWIM Banking and Direct Investment Division is responsible for the overall strategy and direct management of deposit and credit products — from credit cards to sophisticated lending products — across GWIM. It also includes all phone and online channels that serve GWIM clients.

Retirement & Philanthropic Services (RPS) provides administration, recordkeeping, custodial, communication, consulting and execution services to businesses, organizations, their employees and members in connection with approximately 40,000 workplace-based benefit plans.

Sovereign Bancorp Inc.
1500 Market Street
Philadelphia, PA 19102
United States
Phone: 215-557-4630
Fax: 610-320-8448

Sovereign Bank offers a broad array of financial services, including retail, business, and corporate banking; cash management; capital markets; private wealth management; and insurance. Its roots reach back to 1902, when it was established as a building and loan association helping Pennsylvania textile workers become homeowners. Sovereign successfully expanded into New England in 2000, and the New York area in 2006. The expansion into New England included approximately $12 billion in deposits, $8.1 billion in loans, 281 branches, and 550 ATMs from FleetBoston Financial, which was the largest branch acquisition in banking history. Today, Sovereign offers more than 750 branches and 2,300 ATMs from Maine to Maryland. In 2005, Sovereign and Santander established a strategic partnership, and on January 30, 2009, Sovereign joined Santander Group, adding its successful U.S. franchise to Santander's global strength. Founded in 1857, Santander has a successful history in retail and commercial banking, and has grown to become one of the 5 largest banks in the world by profit. In joining Santander, Sovereign is poised to offer even better service and more innovative products than ever before—from the same people you already know and trust. You can also continue to count on the close, personal attention you've come to expect—and you'll understand why we say "Our Future is Bright."

Products & Services
Personal

• Checking Accounts
• Foreign Currency
• Savings Accounts
• Online Security Center
• Online Banking
• Self-Service Resources
• Cards

Business

• Checking Accounts
• Foreign Currency
• Savings Accounts
• Online Security Center
• Online Banking
• Self-Service Resources
• Cards
• Borrowing
• Easy Access Line of Credit
• Auto Loans
• Homeowners Assistance
• Credit Cards
• Home Equity Loans
• Mortgages
• Pre-Qualify Now
• Home Equity Line of Credit

Corporate

• Cash Management Overview
• Disbursement & Reconcilement Overview
• Cash Management Checking
• Escrow Services
• Positive Pay
• Account Reconciliation
• Tax Payments
• Payroll Services
• Collections Overview
• Onsite Check Deposit
• Retail Lockbox
• Cash Services
• Merchant Services
• Information Reporting Overview
   

ABN AMRO Bank N.V.
Gustav Mahlerlaan 10
1082 PP Amsterdam
The Netherlands
Switchboard number: +31 20 628 9393
Call centre number: +31 10 241 1720

What the new combined bank stands for

ABN AMRO and Fortis Bank Nederland have created a new, combined and independent bank, which is building on their entrepreneurship, their professionalism and their experience abroad. The new entity wants to be a bank that always puts its clients first; a bank that understands and supports clients in achieving their ambitions; a financial services provider that shows integrity and keeps its promises. It wants to build enduring relationships with its clients. The bank is willing to invest in its clients, and never take risks it doesn’t understand. In short: it will be a bank for the clients – a bank intent on achieving healthy returns, a bank with ambitions, but without pretensions.
The divisions of the bank

We are making the creation of enduring relationships with our clients our top priority. The new, combined bank is composed of businesses that fit together perfectly and that allow us to serve our retail, private and commercial clients well. We focus on the segments and markets in which our strengths lie.

Personal Banking
The new retail bank plays a strong role in the Dutch market, offering expertise, professional advice and world-class products to retail clients at all stages of their lives. The focus is on attaining high customer satisfaction and providing products and services tailored to the specific needs of our clients.

Clients should experience added value in every contact they have with the bank and be offered excellent service via a multi-channel distribution network. The network includes a 24/7 telephone service provided by the customer contact centre, an extensive online banking service and a streamlined network of bank branches throughout the Netherlands.

The retail bank is active in the areas of assets (savings and investment), housing (mortgages), lending, insurance and payments. Our products and services rank among the best in the market and are transparent and straightforward. It also offers investors various products distributed by other banks and insurers.
 

Private Banking
The Private Banking business is active in 13 countries and territories. It builds on our market leadership in the Netherlands and our strong, mainly European, international presence. We occupy key local positions in a number of European countries and in the relevant international private banking centres. Asia is our growth market, where we serve clients from a select number of locations. The private bank offers our high-net-worth clients the personal attention and service their financial position requires, which also serves to safeguard the continuity of the client-bank relationship.

Private Banking offers investment advice, discretionary portfolio management, financial planning and international estate planning. Where personal and professional financial needs overlap, we offer the unique Enterprise & Entrepreneur concept to entrepreneurs, their families and their businesses.

The private bank conducts its operations in the Netherlands under the name ABN AMRO MeesPierson, while the brand names currently in use elsewhere – ABN AMRO Private Banking, Neuflize OBC, Delbrück Bethmann Maffei and MeesPierson – have been retained.

Commercial & Merchant Banking
The new Commercial & Merchant Banking business is the market leader in the Netherlands for large commercial clients and holds a number three-position for SMEs, but its ambitions go further. The group wants to be the primary bank for companies based in the Netherlands and for their businesses abroad. Its goal is to create a long-standing relationship that encompasses a broad range of products and services. It also holds a number of leading positions in global, specialist markets such as Energy, Commodities & Transportation and Brokerage, Clearing & Custody.

Commercial & Merchant Banking offers an integrated package of services through its own network of offices in western Europe and financial centres worldwide, covering 80-90% of our Dutch clients’ international needs. It also works with other banks in its efforts to serve clients across the globe.

Energy, Commodities & Transportation offers standard and structured bank products and services to clients who are active worldwide in sectors such as commodity finance and shipping.

Brokerage, Clearing & Custody boasts an integrated service package for professional parties, such as market makers and professional traders, and is among the world’s biggest players in this market – and one of the few to offer global market access and clearing on more than 60 of the world’s main exchanges.

Marfin Laiki Bank
12 Hay Hill, Mayfair
London
W1J 8NR
Tel: 020 7307 8400
Fax: 020 7307 8434

Banking
Marfin Laiki offers solutions to all your needs. At Marfin Laiki Bank we understand that the personal touch we have with business owners gives them the confidence they need in their decision making and in their efforts to reach their company’s full potential. Our experience has shown us that each business is unique and each business owner has different needs. For this reason we have developed a range of products and services. Whether you are starting out or you have an established business, you can trust our packages to help you in your efforts.

Corporate banking
As our larger corporate customers require more flexibility and a wider range of financial services, Corporate Banking has been designed to provide a superior level of service. Our Corporate officers make themselves available on a one-to-one basis for all corporate customers, thus allowing them to enjoy more support, customised service and professional guidance, through shorter lines of communication. Marfin Laiki Bank UK Corporate Banking includes the following services:

• Credit Risk Management
• Business Finance (overdrafts, loans, Factoring)
• Money Transmission Services
• Funds Management
• International Trade Services

Fixed deposit account
Fixed term deposits are designed to cater for the needs of your business. Whether your business plans call for a long-term or a short-term investment, Marfin Laiki offers a 7-day, 1- month, 3- month, 6- month, 9-month, and 12-month deposits. The interest rates vary daily and are based on from the London Money Market rates. Conditions apply for this product. For more information, please visit one of our branches where our staff will be more than happy to assist you.

Cards
Marfin Laiki offers solutions to all your needs. With rising administration and expenditure costs, controlling your business costs is not so simple. The Marfin Laiki Cards can help you to regain control and reduce the administration expenses of your business. The Marfin Laiki cards can be used for purchases over the Internet, mail orders, and phone orders as well as in millions of outlets around the world wherever the Visa symbol is displayed.

Visa classic card
The Laiki Visa Classic card is accepted in over 220 countries worldwide and in no less than 500,000 outlets in the UK. It can be used wherever you see the Visa sign. So for those frequent business trips in Europe and all over the world, Laiki Visa will give you the instant freedom to spend wherever you are. The benefits of Visa International combined with the range of services offered by Laiki make Visa Classic the right choice for you. With no annual fee, a low APR at 19.6% and 56 days interest-free credit on purchases if you settle your monthly bill in full, it is no real surprise that it has been featured in “Which” magazine as a best buy in the occasional buyer section. An additional benefit offered with Visa Classic is the Prestige Loyalty Scheme: quite simply, the more you spend, the bigger your reward. Every time you use your card, you gain Prestige Points that you can cash in for a wide range of exciting products and offers at no extra cost. It is our way of saying thank you for using the Laiki Visa Classic card. VISA Classic also offers a Global Customer Assistance Service to all our customers, which is a worldwide service for card reporting, emergency cash disbursement and emergency card replacement. Furthermore, this service provides travel, legal and medical information and assistance.

Electronic banking for business
Laiki eBank for Business UK is the electronic banking application for the UK business customers of Laiki Bank. It offers a range of services over the Internet. This service is available to all customers on a 24-hour a day, 7-day a week basis. Through Laiki eBank for Business UK, your business banking is made easy! You can have instant access to account information, transfer funds to UK and to Foreign banks; pay bills; have information regarding your issued and received cheques and cheque book information, stop cheques or/and a whole chequebook; set up, change or delete a standing order instruction; and many other services. You can also receive instant and updated information on the Bank's activities via an eBulletin message. All with a click of a button at the comfort of your own office! And this is only the beginning! eBanking for Business will continue to evolve by constantly offering additional services, so as to give you, the flexibility that modern businesses demand.

eBanking for Individuals offers the following services:

• Information on your account (summary, details, statements)
• Transfer of funds between your accounts, to other Laiki UK accounts and to other local banks
• Payments of bills (where Bank Giro Credit information is available)
• Multiple payment service
• Enquiries about your customer details and option to change your PIN
• Cheque book services (enquiries on paid and stopped cheques, stop cheque or chequebook, order a new chequebook)
• Standing Order Services (enquiries, set-up where applicable, change and deletion)
• Direct Debit Enquiries (summary and details)
• Payments of donations into specified charities
• Receive instant and updated information on the Bank's activities via an eBulletin message

State Street Corp.
One Lincoln Street
Boston, MA 02111
United States
Phone: 617-786-3000
Fax: 617-654-3386

SSgA is a global leader in asset management that sophisticated institutions worldwide rely on for their investment needs. For more than three decades, SSgA has contributed experience, depth of resources, strength, and dedication toward a singular goal: to successfully meet our clients' needs. As a result, our global clients have entrusted SSgA with more than $1.9 trillion1 to manage on their behalf.

Our Heritage and People
SSgA is the asset management business of State Street Corporation, one of the world's leading providers of financial services to institutional investors,2 with a heritage dating back over two centuries. Backed by the strength and stability of the State Street organization, SSgA makes continual investments in our asset management and client service platform, resulting in a client-focused, solutions-driven orientation. We honor our commitment to unwavering client service through an investment culture built on experience and skill that each of our more than 449 investment professionals and more than 2000 employees1 around the world brings to every client relationship.

Our Perspective and Commitment
SSgA's global presence and focus on research allows us to invest effectively in markets around the world, while working to meet the objectives set by each and every client. Our scale and experience afford us greater access to financial markets around the world. This brings our clients the potential benefits of liquidity, cost efficiencies and investment precision, resulting in portfolios that are focused on maximizing risk-adjusted returns. SSgA's world-class operational platform features 27 global offices, 10 investment centers and a 24-hour global trading capability with trading desks in Boston, London and Hong Kong.3 This platform allows SSgA to share with clients the best ideas and points of view from experts around the globe.
Why Partner with SSgA?

Our Investment Platform
SSgA has the unique ability to combine a disciplined, precise investment process with a global investment platform that provides clients access to every major asset class, capitalization range and style. We are recognized for our indexing leadership and alpha-generation expertise. For clients, this translates into:

• Client-focused solutions developed and managed for virtually any investment need
• Rigorous governance and the highest standard of oversight
• More consistent investment results
• Investment transparency and risk management

Our Process and Solutions
With a fully integrated trading, portfolio management and operations platform, we are able to continuously share information across teams and regions. Our trading desk can move large volumes of securities through an array of public and private markets providing significant liquidity and bid/ask spread advantages to our clients. As part of our investment process, we foster a strategic partnership between our portfolio managers and research teams, who work together to understand client needs and provide recommendations and solutions. Our global trading team then executes on these objectives, focusing on maximizing efficiencies, minimizing costs and managing risks. With respect to solutions, SSgA engineers investment strategies across equity, fixed income, currency, real estate and absolute return, and covers the risk spectrum, including indexed, enhanced and active. Importantly, clients can access these solutions through a range of vehicles, such as private funds, commingled funds, ETFs, mutual funds and client directed mandates (e.g. separately managed accounts or segregated mandates). In addition, through our Global Alliance businesses, we offer a range of alpha-generating strategies, including hedge fund of funds, REITs (real estate investment trusts), active emerging markets, and healthcare.

Our Indexing Leadership
Driven to remain at the forefront of indexing strategies, SSgA continually researches and develops new techniques to offer clients more diverse ways to implement their investment decisions. In addition, after pioneering the development of ETFs in 1993, SSgA's SPDR® brand has become an ETF leader, with more than $204 billion in assets under management - one of the broadest ranges of ETFs in the industry.4 As a leading financial services firm, SSgA has the scale, resources, capabilities and experience necessary to support the diverse and often complex demands of institutional investors. With a heritage of strength, expertise and reliability, SSgA builds trust. Through a commitment to client service and abundant resources, we build confidence. And, with the ability to support the ever-changing needs of institutional investors worldwide, we build relationships.

Global Link Overview
Global Link is State Street’s multi-asset class network for market research, portfolio analytics, integration, execution, reporting, and settlement. Introduced with the launch of FX Connect® in 1996, the network now features 55 liquidity providers representing over 168 dealing room locations. A neutral and single integrated solution, Global Link supports the entire investment process from pre-trade through post-trade by streamlining communication and increasing operational efficiencies for institutional investors worldwide. Independent world market research and analytical tools enhance investors’ ability to maximise the performance of their portfolios while Global Link’s team of integration specialists provide customised solutions tailored to each client’s specific processes and procedures. Global Link is currently used by 19 of the world’s 20 largest asset management companies as compared to Global Investor’s 2004 “Top 110 Largest Asset Managers”, further demonstrating its position as a market leader among electronic trading networks.

Order Management & Trade Execution Tools
FX Connect® is a multi-bank foreign exchange trading network that provides secure, real-time trade execution with multiple counterparties 24 hours a day. Equity Connect® is an electronic equity order routing network that provides institutional investors direct access to global liquidity providers via Global Link’s FIX Hub, including multiple brokers, crossing networks, ATSs, ECNs, and regional Direct Market Access in the United States and Europe. Futures ConnectSM is an alliance between State Street Corporation and The Royal Bank of Scotland whereby RBS supplies futures trade execution and clearing services through Global Link.
MM ConnectSM is an electronic money markets trading network that allows investors to manage cash globally, in multiple currencies, by providing electronic rate requests and real-time trade execution. Fund ConnectSM is a global online trading tool for the subscription and redemption of shares or cash in third party money market and investment funds.

Reporting & Confirmation Products
Global Trading Support ServicesSM (GTSSSM) is a real-time, multi-counterparty foreign exchange trade matching and confirmation system. History Viewer allows users to electronically recall all trade details from FX Connect® and MM ConnectSM trading sessions in an easy-to-use interface.

Mizuho Financial Group, Inc.
1-5-5 Otemachi
Chiyoda-ku
Tokyo, 100-0004
Japan
Phone: 81 3 5224 1111
Fax: 81 3 5224 1055

Company Information of Mizuho Financial Group
Mizuho Financial Group is a bank holding company which operates and manages its banks, long-term credit banks, specialized securities companies and other companies which the Company may own by law as its subsidiaries, and engages in business appertaining to the management and operation of such companies.
Trade Name Mizuho Financial Group, Inc. (MHFG)
Date of Establishment Jan 8, 2003
Location of Head Office Marunouchi 2-chome Building, 2-5-1, Marunouchi, Chiyoda-ku, Tokyo, 100-8333, Japan
Capital JPY 1,805,565 million
Number of Employees 294
Representative Takashi Tsukamoto, President & CEO

Purpose
Promotion of improvement of overall operation and management of the Mizuho Financial Group

• Planning and development of the Mizuho Financial Group's business strategies
• Promotion of synergy effects between Group companies
• Reinforcement of risk management, regulatory compliance, and internal audit systems

Promotion of business efficiency through the direct management of major Group companies, such as efficient use of the common infrastructure, etc.
Issued Shares Issued 16,445,839,690 shares
Common 15,494,397,690
Preferred 951,442,000
Stock listing Tokyo Stock Exchange (First section), Osaka Securities Exchange (First section), New York Stock Exchange

Brand Promise
To customers ranging from domestic retail, corporate to international, Mizuho Financial Group is comprised of enterprising, spirited professionals who use creative and original methods to respond to customer needs today, while helping them achieve a bright future tomorrow.
Because we want to play a meaningful role in our customers' lives by always being available to them, we offer a full range of leading-edge products and services designed to help them achieve their goals and make their lives more enjoyable and gratifying.

Brand Vision
All senior executives and employees are working to increase the Mizuho brand's market penetration in order to realize Mizuho's "Brand Vision," which is to become. A financial partner that helps customers shape their future and achieve their dreams

Brand Strength
Mizuho Financial Group will become an "enterprising, open and leading-edge" financial partner in order to sustain and bolster competitiveness and to meet customer expectations and needs. "Enterprising, open and leading-edge" concisely expresses the strengths and the objectives of the entire Mizuho Financial Group. This will be shared and put into practice by all Mizuho officers and employees to help customers shape their future and achieve their dreams.

• Enterprising "Enterprising" means we have the passion and power to help customers find the right path. We think creatively about our business and each of us is empowered to make a difference in our customers' lives. We keep focused on our customer needs and continuously strive to help them achieve their dreams. We act enterprising all the time.
• Open "Open" means we are flexible and are open to new ideas and new ways to serve our customers. We listen sincerely to our customers and treat them with fairness and kindness any time we have the chance. We want to be open all the time.
• Leading-edge "Leading-edge" means we have the foresight to "light the future." In other words, each of us should anticipate how society and customers change. As a result of this, we introduce the most advanced and unique products and services to better serve our customers. Because of our innovative mindset, we help our customers achieve a better and bright future. We want to be leading-edge all the time.
•  

Bank of Japan
2-1-1 Nihonbashi-Hongokucho, Chuo-ku Tokyo 103-0002, Japan
Tel.: +81-3-3279-11112-1-1

The Bank of Japan's missions are to maintain price stability and to ensure the stability of the financial system, thereby laying the foundations for sound economic development. To fulfill these two missions, the Bank conducts the following activities.

A. Issuance and Management of Banknotes
The Bank of Japan issues banknotes (officially referred to as Bank of Japan notes) as the nation's sole "issuing bank." It employs a wide range of measures to prevent counterfeiting, including watermarks, special inks, and micro-lettering.

Worn and soiled banknotes make it more difficult to distinguish genuine notes from counterfeits, which may proliferate as a result. Therefore, the Bank of Japan checks the validity and cleanness of each of the banknotes which return to the Bank, destroying badly worn notes and putting only those that are in good condition back into circulation.

Because banknotes are used in all kinds of transactions, the Bank pays close attention to the control of the physical quality of banknotes so that the public is able to use the notes with confidence.

B. The Conduct of Monetary Policy
What if the prices of your daily necessities and food were to rise continuously? You would need to spend more money to buy the same basket of goods. In other words, the purchasing power of your money would go down. If the prices of various goods rose, people would naturally have a harder time making a living.

On the other hand, what if the prices of goods were to decline continuously? A decline in prices appears to be favorable to consumers as they can buy the same basket of goods more cheaply. But if prices were to decline continuously, both the sales and profits of firms that produce or sell goods would decrease. As a result, the salaries of workers at those firms would decrease and the number of unemployed persons might increase.

A continuous rise in the prices of goods and services is generally referred to as "inflation," and a continuous decline in prices is referred to as "deflation." As you can see from the above, both inflation and deflation are a threat to our daily lives.

The Bank controls the overall volume of money in the economy and interest rates on a daily basis through money market operations, i.e., through its sales/purchases of money market instruments such as Japanese government securities (JGSs) to/from private financial institutions. The Bank's policy to stabilize prices, thereby contributing to the sound development of the national economy, is called monetary policy. For example, if Japan's economy weakened so that sales of goods declined and there was downward pressure on prices, the Bank would buy money market instruments such as JGSs from private financial institutions, thus increasing the volume of money in the economy and lowering interest rates. More money in circulation and lower rates enable firms to borrow money more easily and act as a spur to economic activity: more people purchase goods and services, and thus prices are less likely to decline.

Conversely, if economic activity heated up, with goods selling too well and upward pressure on prices, the Bank would reduce the volume of money in the economy and would raise interest rates. Accordingly, economic activity would be dampened and prices would be unlikely to rise.

As noted above, the Bank conducts monetary policy to achieve price stability, thereby contributing to the stability of the economy as a whole. The Bank believes that price stability is a prerequisite for stability in our daily lives and for realizing sustainable and balanced economic growth.

C. Providing Settlement Services and Ensuring the Stability of the Financial System
The term "financial system" refers to the collective mechanisms through which financial institutions intermediate funds between depositors and investors and provide payment and settlement services, such as funds transfers between accounts. The financial system constitutes a fundamental social infrastructure that supports our daily lives, as is the provision of electric power, water, and gas. The Bank of Japan conducts various activities to maintain this particular infrastructure.

1. Provision and Maintenance of the Settlement System
Financial transactions between financial institutions are settled by transferring funds across the current accounts held by each institution at the Bank of Japan. Because it offers accounts to financial institutions, the Bank is often referred to as the "banks' bank."

The amount settled across the accounts at the Bank of Japan totals over 300 trillion per day. In order to facilitate such funds transfers, the Bank operates an electronic settlement system, the Bank of Japan Financial Network System (BOJ-NET), and is constantly working to upgrade and improve the efficiency of the settlement system.

2. Monitoring and Examination of the Financial and Management Conditions of Financial Institutions
The sound management of individual financial institutions is a prerequisite to the stable functioning of the financial system. The Bank of Japan thus closely monitors trends in the loans and deposits of financial institutions, and the Bank's staff regularly visits financial institutions to carry out an "on-site examination" to review their financial and management conditions.

3. Function as the Lender of Last Resort
When a financial institution becomes insolvent and this is likely to pose a threat to the financial system, the Bank of Japan may provide emergency liquidity to the troubled institution in its role as the "lender of last resort" in an effort to prevent financial disorder.

D. Treasury and Government Securities-Related Operations
As the "government's bank," the Bank of Japan handles receipts and disbursements of treasury funds, including acceptance of tax monies and payment of public works expenditures and public pensions. It also conducts accounting and bookkeeping for government agencies.

In addition, the Bank deals with the entire business of Japanese government securities, namely issuance, registration, interest payment, and redemption. Settlement of funds and Japanese government securities arising from the above operations are facilitated by the BOJ-NET.

E. International Activities
The Bank of Japan engages in the following international activities.

1. International Financial Transactions and Operations
The Bank provides yen accounts to central banks and governmental institutions overseas. It also makes capital subscriptions and loan extensions to international organizations such as the Bank for International Settlements (BIS) and the International Monetary Fund (IMF).

2. Intervention in the Foreign Exchange Markets
The Bank closely monitors exchange rate developments. It intervenes in the foreign exchange market as an agent of the Minister of Finance, when necessary.

3. International Exchange of Views
The Bank of Japan frequently participates in discussions held at various international forums, such as the meetings at the BIS, the G7, and the IMF. Topics of discussions range widely, from monetary policy and the foreign exchange markets to bank supervision and settlement systems. Exchange of views with overseas central banks is important in strengthening cooperative relationships among the central banks.

F. Compilation of Data, Economic Analyses and Research Activities
To ensure appropriate implementation of monetary policy, the Bank of Japan must have an accurate understanding of the overall economic and financial conditions in Japan. To this end, the Bank compiles various statistics, including the Corporate Goods Price Index, the Corporate Service Price Index, and money stock. It also conducts a regular business survey known as the Tankan -- Short-Term Economic Survey of Enterprises in Japan. Based on these and a wide variety of other statistical data, including those prepared by government agencies and other organizations, the Bank reviews Japan's financial and economic conditions. In addition, the Bank's head office and branches make direct contact with a large number of firms to directly receive their views on the economy. The Bank also conducts opinion polls of the public when necessary, to which Bank's careful attention is paid. The Bank explains its view mainly through the publication of results of these analyses. Additionally, the Bank is able to receive the public's views and opinions through the Public Relations Department.

Further to the above activities, the Bank is also engaged in theoretical research from a longer-term perspective, on issues such as monetary policy and the financial system.

Wells Fargo & Company
420 Montgomery Street
San Francisco, CA 94104
United States
Phone: 866-249-3302
Fax: 651-450-4033

The Vision & Values of Wells Fargo
John G. Stumpf, Chairman, President and CEODocuments such as Vision & Values are rare these days in corporate America. Most companies have them, of course, but few as long as we’ve had ours. Fewer have resisted fads and stayed faithful to their founding language. Only a handful have made measurable progress guided by the same values toward an unchanging vision not just for a year or two but almost two decades. Our progress has not been perfect. We learn just as much from failure (perhaps more) as we do from success. Companies are made up of human beings who make mistakes. When we make them we admit them, learn from them, then we keep moving forward with even more understanding, guided by the same values toward the same vision. We first published our Vision & Values in the early 1990s as Wells Fargo’s predecessor, Norwest Corporation. Our industry, our world and our company have changed a lot since then. We’ve grown from a network of small Midwestern banks into a national company with a global reputation. We’re the product of hundreds of combinations. Tens of thousands of our team members today trace their heritage to our ancestor companies — from as large as Norwest, Wells Fargo, Wachovia, First Union, CoreStates Financial, SouthTrust, Golden West Financial, A.G. Edwards, First Interstate, Crocker Bank, United Banks of Colorado, First Security, Acordia and First United Bank Group to as small as Comfort Bancshares of Comfort, Texas, and Little Mountain Bancshares of Monticello, Minnesota. Big or small, each influenced and strengthened our culture. Each brought us new geographies or capabilities and inspiring stories, and then each found common cause in our Vision & Values. As a result, we believe in our vision just as strongly — we embrace these values just as passionately — as we did the first time we put them on paper. Our vision, our values, our commitment to outstanding sales and service for every customer, our diversified business model, our relationship strategy, our belief in people as a competitive advantage, our goal of consistent, sustainable revenue growth — none of that has changed. In fact, our unchanging vision and values and our time-tested business model are, more than ever, a competitive advantage as our industry evolves and consolidates. If our vision and values continue to anchor us, then we believe solving every problem, seizing every opportunity, and making every decision consistent with our vision and values will guide us toward more growth and success not just this year but for decades to come.

Wells Fargo Today
Wells Fargo & Company is a diversified financial services company providing banking, insurance, investments, mortgage, and consumer and commercial finance through more than 10,000 stores and 12,000 ATMs and the Internet (wellsfargo.com and wachovia.com) across North America and internationally. We’re headquartered in San Francisco, but we’re decentralized so every local Wells Fargo store is a headquarters for satisfying all our customers’ financial needs and helping them succeed financially. One in three households in America does business with Wells Fargo. Wells Fargo has $1.2 trillion in assets and more than 278,000 team members across our 80+ businesses. We ranked fourth in assets and third in market value of our stock among our U.S. peers as of March 31, 2010. Our vision: We want to satisfy all our customers’ financial needs, help them succeed financially, be the premier provider of financial services in every one of our markets, and be known as one of America’s great companies.

Reputation
FORTUNE 19th in Revenue Among All Companies in All Industries (2010)
World’s 39th Most Admired Company (2010)
Forbes One of America’s Best Big Companies (2008)
Top 100 Best Companies in the World (2010)
Barron’s World’s 50 Most Respected Companies (2010)
BusinessWeek Best Places to Launch a Career (2009)
America’s #2 Most Generous Corporate Foundations (2010)
Newsweek America’s #1 Green Bank and #13 Greenest Big Company (2009)
Human Rights Campaign Perfect Score of 100 on Corporate Equality Index (2009)
U.S. Environmental Protection Agency Top 20 Green Power Partner Companies (2009)
Diversity Inc. Top 50 Companies for Diversity (2010)
Top 10 Companies for Asian Americans
Top 10 Companies for Lesbian, Gay, Bisexual, and Transgender Employees
LATINA Style Top 50 U.S. Companies for Latinas (2009)
Mortgage Bankers Association #1 Commercial Real Estate Lender by number of annual transactions (2008)
American Customer Satisfaction Index America’s #1 Large Bank for Customer Satisfaction (2009)
InformationWeek #4 Most Innovative Business Technology Organization (2009)
Office of the Comptroller of the Currency “Outstanding” for Community Reinvestment Act performance (2009)
Global Finance Top Consumer Internet Bank in North America (2009)
FImetrix #2 market share for primary correspondent bank relationships (2009)
ABI Research Mobile Banking earned “A” grade (2009)
Bank Technology News #1 Bank Technology Innovator of the Year (2009)
Brand Keys #1 Bank Brand in Customer Loyalty Engagement Index (2010)
United Way of America Summit Award for Exceptional Volunteerism (2010)
North America’s most extensive financial services network 3
#1 in U.S. • Banking stores (6,590 Wells Fargo and Wachovia stores in 39 states & D.C.) • Total stores (10,231 Wells Fargo and Wachovia stores) • Total mortgage producer; Retail mortgage producer • Mortgage lender to low-to-moderate income home buyers
(2008 HMDA data) • Mortgage stores • Prime home equity originator • Small business lender (U.S. in total dollar volume per 2008
Community Reinvestment Act data) • Lender to U.S. agriculture among commercial banks • National SBA 7a lender in dollar volume (combined with Wachovia for 2009 fiscal year) • Bank-owned insurance brokerage • Commercial real estate lending and brokerage by number of transactions in the U.S. • Annuity distributor • Market Share for middle market* companies - more companies chose
Wells Fargo as their lead bank than any other institution in the country • Arranger of asset-based loans by volume (1Q 2010, Thomson Reuters)
#2 in U.S. • Deposits • Issuer of Debit Cards • Mortgage servicer • Full-service retail brokerage provider based on number of Financial Advisors • Family wealth provider • Worldwide market share for primary correspondent bank relationships • Mutual fund family among U.S. banks • Leveraged loan issuer by number of transactions (Thomson Reuters) • Worldwide market share for primary correspondent bank relationships
#3 in U.S. • Branded bank ATM owner (12,355 Wells Fargo and Wachovia ATMs) • Wealth management provider • Retail insurance brokerage in the U.S. (Business Insurance magazine) • U.S. loan syndication bookrunner by number of transactions (1Q 2010, Thomson Reuters)
#4 in U.S. • Insurance brokerage in the world (Business Insurance magazine) • IRA provider • U.S. syndicated loans (Dealogic)
#5 in U.S. • Top Senior Managers of Competitive bond issues (Thomson Reuters, as of 3/31/10) • Issuer of Variable Rate Demand Notes (VRDN) by par amount remarketed (Thompson Reuters, as of 3/31/10)
#6 in U.S. • U.S. equity capital markets bookrunner by volume (Thomson Reuters)
#7 in U.S. • Issuer of credit cards (Nilson Report) • Institutional retirement plan recordkeeper
#8 in U.S. • Corporate High-Yield Debt (U.S. and International Markets, Dealogic)
#9 in U.S. • U.S. equity capital markets bookrunner by volume (1Q 2010, Thomson Reuters) • High yield corporate bond issuer by number of transactions (1Q 2010, Bloomberg)
#10 in U.S. • High grade corporate loan issuer by number of transactions (1Q 2010, Thomson Reuters) Merger and
acquisition advisor by volume (Thomson Reuters)

Social Responsibility
We promote economic development and self-sufficiency through community development, financial education, cash contributions,
affordable housing, environmental stewardship, and through the efforts of our enthusiastic team member volunteers. In 2009,
Wells Fargo invested $202 million in 18,000 nonprofits nationwide, surpassing $200 million for the second year in a row. These
grants support education, community development, human services nonprofits and civic projects. Our success comes from a
time-tested formula: local people making local decisions because they know best what their communities need.
Additional information about our achievements in social responsibility is available at: https://www.wellsfargo.com/about/csr/.

Regional Banking
• 6,590 banking stores in 39 states & D.C.
(Wells Fargo and Wachovia) • More than 20 million retail households • One of United States’ most extensive
banking franchises
 
Wells Fargo Online®
Wells Fargo is a leading provider of online financial services, offering individual consumers, small and middle market businesses
and large corporations a full range of banking, money movement, investing, asset management and other financial and risk
management products and services through the online channel. The free* and secure Wells Fargo MobileSM Banking service
also allows consumer and small business customers to connect to their Wells Fargo accounts through the mobile web (wf.com)
and text messaging (93557), and wf.com is available via free* download from the App StoreSM on iPhone™ and iPod® .
Online Banking
• 17.2 million combined active online customers • 4.2 million combined active Bill Pay customers
*Mobile carrier's text messaging and web access charges may apply
ATM Banking
• 12,355 Wells Fargo and Wachovia ATMs. • 5,064 Envelope-FreeSM ATMs make deposits easier, accepting deposits in stacks of 30 checks or 50 bills. Cash is credited
immediately; check amounts are automatically read and images are shown on the screen and receipt, and the business day
is extended to 8pm. • Wells Fargo’s exclusive ATM machines automatically remembers customers’ language preference, and provides six different
on-screen language options (English, Spanish, Chinese, Hmong, Korean, Vietnamese). Wells Fargo is upgrading all Wachovia
ATMs to offer these same features. • Wells Fargo and Wachovia ATMs feature voice instructions for the visually impaired.
Wells Fargo Customer Connection
Contact centers providing primary telephone service and sales channel 24/7 for customers across the territory; 31 sites with
12,000 team members handling over 500 million customer contacts annually, creating best-in-class multi-channel customer
experiences via phone banker, Voice Response Unit (VRU), email, and correspondence for consumer, credit card, business
banking, home equity, and online banking customers.
Wells Fargo Debit and Consumer Credit Card
• United States’ #2 issuer of debit cards • 36 million debit card accounts • Including Wachovia: 10.3 million credit card accounts • $15.8 billion in total credit card outstandings

Main business
China Banking Regulatory Commission approved our bank to do the following businesses: attracting public savings; making short-term, mid-term and long-term loan; handling domestic settlements; accepting note discount; issuing financial bonds; acting issue, the Acting Under, sales of government bonds; selling and buying government bonds; undertaking inter-bank offered credit; providing guaranty; acting receipt and payment of funds and acting insurance services; offering safekeeping boxes; deposit and loan by mandate for working capital for local financial credit; foreign exchange deposit; foreign exchange loan; foreign exchange remittance; foreign currency exchange; inter-bank offered credit; international settlement; settling and selling foreign exchange; foreign exchange bills accepting and discounting; foreign exchange guarantee; credit investigation, counseling and witness services; buy & sell and acting to buy & sell foreign currency negotiable securities except for stocks; buying and selling of foreign exchange on its own account or on customers' account (under spot items); and other businesses approved by China Banking Regulatory Commission.

Main management situation

1 The completion of main management target
By the end of 2005, the total assets of the bank were RMB232.6b, up RMB23.8b or 11.4% compared to the end of last year. As such, the balance of Renminbi and foreign currencies deposit was RMB217.2b, up RMB28.3b or 15.0%; the all-year average daily deposit was RMB183.7b, up RMB29.4b or 19.1%; the balance of Renminbi and foreign currencies loan (include note discount) was RMB120b, up RMB10.4b or 9.5%; the whole year’s integrated benefit achieved RMB2.53b, up RMB0.23b or 10%.

2 The construction of finance computerizing
Corporation financial business: Our bank always gives a high priority to clients. In the face of aggravating market competition and varying macro-environment, we stressed the key business in the extended trial work of payment business authorized by Beijing Municipal Bureau of Finance, successfully persuaded 638 Units representing 65% from 979 municipal-level budget Units to choose our bank as undertaker, and obtained the agent qualification of receiving the “non-taxable” income of Beijing Municipal Bureau of Finance through bidding. As the trial Unit of small enterprises loan extended by Beijing Municipality, we established marketing center for small and medium-sized enterprises, employed classified management and accounts-dividing and settlement, launched “Class Activity among Small and Medium-Sized Enterprises of Beijing Bank”, introduced such products as “Small-Sum Green Passage” etc, set up featured sub-branch specialized for small enterprises loan, and built a more complete marketing network for small and medium-sized enterprises.

3 The construction of finance computerizing
Pay attention to support operation & management and push all kinds of work through information technology. During the report period, we laid stress on the development of business operation system and management information system, and complete the development and run of the edition of 2.2 internet banking of “New e Generation”, TI and OPICS systems of international business, payment password system, anti-money laundering system and modernization micro-payment system, etc. 236 new development projects approved and initiated and the projects of product function improvement in the whole year greatly enhanced the work efficiency.

4 The construction of enterprise culture
Thoroughly study the spirit of the 5th Plenary Session of the 16th Central Committee of the Communist Party of China, extensively launch the educational activity of “Keep Advancement of Communist Party Member”, continuously develop the theme activities of Probity and Self-discipline education, warning education and pre-work education, strengthen the supervision to bank staff out of work hours (8 hours), and effectively raise the awareness of all levels of management to keep government functionaries honest and industrious.
By launching sport meetings and art festivals to elevate the cohesion of cadre ranks and stimulate employees work passion. During the commending meeting on the work of national spiritual civilization construction held by Spiritual Civilization Steering Committee of the Communist Party of China's Central Committee, our bank was awarded the title “Advanced Unit on the Work of National Spiritual Civilization Construction”. Our project of “system design and implementation of full cost management project” was awarded the second prize on innovation achievement of 20th Beijing enterprise management modernization. In the essay competition for commemorating 10th anniversary of the Promulgation of the “Two laws” held by business management departments of the People's Bank of China, our two employees were award as first and second prize winner respectively.

5 Foreign intercourse and cooperation
Actively develop foreign intercourse and cooperation. Our bank signed Agreement of Inter-bank Financial Business with Shanghai Branch of ING Bank N.V. in order to develop substantive cooperation in the area of RMB business. In addition, we entered into Agreement for Assignment of Credit Assets with Beijing International Trust & Investment Co.，Ltd. For the purpose of developing cooperation in capital business area, we also signed Inter-bank Cooperation Agreement with Volkswagen Finance (China) Co., Ltd.

6 The status among inter-banks
In July 2005, Among the list of 1000 global banks publicized by Britain magazine of “The Bankers”, our bank ranks 431th according to tier 1 capital standard, 13th among domestic commercial banks and 1st among city commercial banks; our total assets ranks 284th. Our bank, among the list of China's top 500 enterprises in 2005 publicized by China Enterprise Confederation, ranks 299th; 111th among the list of top 500 enterprises of service industry and 25th among the list of Beijing’s top 100 enterprises in 2005 jointly publicized by Beijing Enterprise Confederation and Beijing Enterprise Directors Association.

Hang Seng Bank Limited
Hong Kong, 83 Des Voeux Road Central
Customer Service Hotline 2822 0228

Hang Seng Bank is a world-class financial institution and one of Hong Kong’s largest listed companies in terms of market capitalisation. In keeping with our name, which means "ever-growing" in Chinese, we are growing alongside our customers. Our vision is to increase shareholder value by strengthening our position as a leading financial institution in Greater China, focusing particularly on Pearl River Delta, the Yangtze River Delta and the Bohai Economic Rim regions. We are a strongly capitalised commercial bank that provides a wide range of personal wealth management, commercial banking, corporate banking, treasury and private banking services.
Since our founding in 1933, our main focus has been the pursuit of excellence for our customers. In Hong Kong, our vast network of over 220 service outlets means a Hang Seng outlet can be found around most corners – to better serve you. Established on 28 May 2007, our wholly owned subsidiary Hang Seng Bank (China) Limited operates a mainland China network of 38 outlets in Beijing, Shanghai, Guangzhou, Dongguan, Shenzhen, Fuzhou, Nanjing, Hangzhou, Ningbo, Tianjin, Kuming, Foshan and Zhongshan. We also maintain a branch in Shenzhen for foreign currency wholesale business, branches in Macau and Singapore, and representative offices in Xiamen and Taipei. As a pioneer of premium service, our staff of over 9,300 will always provide you with the personal attention and user-friendly banking you need. Hang Seng Bank is a principal member of the HSBC Group, which is among the world's largest financial services organisations and holds a 62.14% equity interest in the Bank. The Bank offers investors in the United States a Sponsored Level-I American Depositary Receipts Programme.

Financial Strength

• Market capitalisation of HKD220.6 billion on 31 December 2009, making Hang Seng the largest locally incorporated listed bank in Hong Kong by market capitalisation. The corresponding figure was HKD1.7 billion on 13 June 1972 when the Bank was first listed.
• In 1972, the Bank's attributable profit was HKD54.7 million. By the end of 2009, this had increased to HKD13,221 million.
• Highlighting Hang Seng’s operating efficiency, its cost efficiency ratio was 32.1% in 2009 – among the lowest in the banking world.
• Ranked the 246th Largest Listed Company in the World in terms of market capitalisation in the FT Global 500 2009.

Our Services
We provide a wide spectrum of commercial financial services in a one-stop manner, from basic cheque accounts to commercial financing. Our services include:

• Business loans and Mortgage/Property financing service
• Accounts and Cash management services
• Investment services
• Insurance services
• Trade services

Online and Self-service Banking Updates

• New Features and Recent Development
• Introduction to Business e-Banking operations – Register and reserve your seats

Useful Information

• Business Startup Corner – contain a wide range of information to start your business
• Smart Banking Tips – ways to save your time and cost
• More guides and know-how for your business

Wachovia Corp.
301 South College Street
Charlotte, NC 28288
United States
Phone: 704-374-6161

Wachovia is now part of Wells Fargo.
Together, we’re one of North America’s largest and most diverse financial services companies with a legendary reputation for strength and stability, offering more convenience and resources to help you reach your financial goals. We can serve you through more than 11,000 stores, over 12,000 ATMs, the Internet and other distribution channels across North America and internationally. Wells Fargo & Company (NYSE: WFC) is a diversified financial services company providing banking insurance, investments, mortgage and consumer finance. We're headquartered in San Francisco, but we're decentralized so every local Wells Fargo store is a headquarters for satisfying all our customers' financial needs and helping them succeed financially. We're Number 1 in the U.S. in community banking presence (6,600 stores), mortgage originations, small business lending, middle market commercial banking, agricultural lending, commercial real estate lending, commercial real estate brokerage and bank-owned insurance brokerage. We're Number 2 in deposits, home mortgage servicing, and debit card. For more detailed information, please visit the Wells Fargo Web site.

Wells Fargo
The story of our company begins in 1852 in New York City with one idea and two men: Henry Wells and William Fargo. Their idea: start a banking and transportation company founded on trust, service and courtesy. Today’s Wells Fargo—resulting from the Norwest Corporation 1998 acquisition of Wells Fargo—is a blend of thousands of companies, like Wachovia, each with rich histories of service and all sharing values that our company has stood for since 1852. Through Wachovia, the Wells Fargo legacy now traces back to 1781 and the Bank of North America, the first bank chartered in the United States. Wachovia brings to Wells Fargo The Bank of North America's first branch, opened in 1782, which is now the longest continuously operated branch in America. To learn more, please visit Wells Fargo's History, Museums, and Store.

Wachovia Corporation
Wachovia was formed by the 2001 merger of First Union Corporation and the former Wachovia Corporation. In connection with the merger, First Union changed its name to Wachovia Corporation.

First Union
First Union's modest beginnings were in the Buford Hotel on Charlotte's Tryon Street not long after the turn of the 20th century. H. M. Victor raised funds to start Union National by selling 1,000 shares of stock at $100 each, then set up his office at a roll-up desk in the hotel's main lobby. Victor soon earned a reputation as a conservative banker who always confirmed his customers' creditworthiness before making a loan. For years, Victor even refused to make loans on the newly invented automobile. When he finally relented with a loan on a Model-T, he held the owner's keys and title until the loan was repaid. As Union National grew, it maintained a reputation for high credit quality, strong financial performance and excellent customer service. It was this viability that kept the bank open during the 1930s, when the Depression closed many others. In 1958, Union National merged with First National Bank and Trust Company of Asheville, forming First Union National Bank of North Carolina. By 1964 First Union further diversified by acquiring Raleigh-based Cameron-Brown Company, a national mortgage banking and insurance firm. Over the decades, First Union grew into a diversified financial service company encompassing retail brokerage services, wealth management, corporate and investment banking, as well as traditional banking.

Wachovia
When William A. Lemly decided in 1879 to relocate his bank from the quiet Moravian village of Salem to the bustling county seat of Winston, he needed more than a crew of movers. Although the relocation involved moving only a few blocks up the street, changing towns required a new charter and a new name. Both became effective on June 16, 1879, with the opening of the doors of the new Wachovia National Bank. The bank started business with capital of $100,000, which its directors felt was "very adequate." Some years later, on June 15, 1893, North Carolina's first trust company - Wachovia Loan and Trust Company - opened its doors for business in the rapidly growing town of Winston. Its two-man staff was headed by a prominent textile and railroad entrepreneur, Francis H. Fries (pronounced "freeze"). In 1911, the two Wachovia's merged to form Wachovia Bank and Trust Company. The consolidated bank began operations with deposits of $4 million, capital stock of $1.25 million and total resources of $7 million. It was the largest bank in the South and the largest trust operation between Baltimore and New Orleans.

Origin of the Name
In 1753, Moravian settlers bought about 100,000 acres in the North Carolina Piedmont. They called the land "Wachau" in appreciation of their benefactor, Count Nicholas Ludwig von Zinzendorf. "Wachovia" (pronounced wa-KO-vee-yah) comes from "Wachau," the name given by Moravian settlers in 1753 to the tract of about 100,000 acres that they purchased in the North Carolina Piedmont. Wachau, from the German words "die Wach au" - "Wach" was the name of a stream and "au" means "meadowland" - was a part of Austria, the ancestral home of the Moravians' benefactor, Count Zinzendorf, and, likewise, an area of abundant streams and pastures along a river (the Danube). The settlers named the Carolina tract bought just east of the Yadkin River Wachau as an expression of appreciation to Zinzendorf. Later, the English form Wachovia was used. Over the years, the name Wachovia ceased to be used as a designation for the area but remained a popular name for businesses that originated in the Moravian village of Salem and the adjoining town of Winston, which merged in 1913 to form Winston-Salem.

DBS Bank
6 Shenton Way, DBS Building Tower One
Singapore 068809
Tel.: +65 6327 2265

DBS Group
Well-positioned at the heart of a growing Asia, DBS embraces the dynamism of Asia, and bridges Asian markets for consumers and businesses through our extensive network in the region. As a bank that specialises in Asia, we leverage our deep understanding of the region, local culture and insights to serve and build lasting relationships with its clients. DBS provides the full range of services in corporate, SME, consumer and wholesale banking activities across Asia and the Middle East. We are committed to expand our pan-Asia franchise by leveraging our growing presence in mainland China, Hong Kong and Taiwan to intermediate the increasing trade and investment flows between these markets. Likewise, DBS is focused on extending our end-to-end services to facilitate capital within fast-growing countries in Indonesia and India. DBS acknowledges the passion, commitment and can-do spirit in each of its 14,000 staff, representing over 30 nationalities.

DBS Group Holdings (DBS) is one of the largest financial services groups in Asia. Headquartered in Singapore, DBS is a well-capitalised bank with "AA-" and "Aa1" credit ratings that are among the highest in the Asia-Pacific region.DBS was established in 1968 as the development bank of Singapore. It was the catalyst to Singapore's economic development during the nation's early years of independence. Since then, DBS has transformed into a successful financial services institution, offering a comprehensive range of innovative products and solutions to meet its clients' needs. With operations in 16 markets, the bank has a regional network spanning more than 200 branches and over 1,000 ATMs across 50 cities. As one of the leading banks in Asia, DBS also acknowledges the passion, commitment and can-do spirit in each of its 14,000 staff, representing over 30 nationalities. We are committed to empowering, educating and engaging our staff so as to build a high performance organisation renowned for its good customer service and innovative business solutions.

Market Leadership in Singapore and Hong Kong
DBS' primary operations are in Singapore and Hong Kong, two of Asia's best regulated markets, which contributed 65% and 19% of net profit in 2008 respectively. The bank operates two brands in Singapore - DBS and POSB. POSB is a well-loved mass market franchise that currently has a customer base of over 3.2 million Singaporeans. Together, DBS and POSB operate close to 80 branches and nearly 1000 ATMs at various locations. DBS also has leading market shares in mortgage loans and credit cards in Singapore. In Hong Kong, DBS has an extensive branch and ATM network, operating more than 50 branches and over 70 ATMs. DBS is a leading consumer bank in Singapore and Hong Kong, serving over 4 million and 1 million retail customers respectively. The bank has also been a key partner in spearheading and financing the growth of Singapore's small and medium-sized enterprises, or SMEs. In Hong Kong, DBS is a leading player in the SME banking space, with leading market shares in equipment and trade finance. DBS is also a pioneer in the capital markets with extensive product origination and risk management capabilities. The bank was the first to launch Singapore's first real estate investment trust (Reit) in 2002 and is instrumental in meeting the growing demand of such funds in the region. It is also a well-regarded custodian for institutional investors and provider of wealth management products for individuals. A leader in treasury operations, DBS extends a broad range of capabilities in foreign exchange and derivatives, money market and securities trading to corporations and financial institutions.

Growing in the Region
Building on the strengths of its Singapore and Hong Kong businesses, DBS is steadily making its mark in the region. Greater China - comprising China, Hong Kong and Taiwan, is a key part of DBS' regional strategy. DBS is the first Singapore bank to incorporate in China in May 2007, and has 8 branches and 7 sub-branches across the country. In May 2008, DBS integrated Taiwan's Bowa Bank into its operations after acquiring the “good bank assets” in February. It now has 40 branches across the country. In India, DBS has 10 branches across key cities like Mumbai and Delhi. In Indonesia, DBS has a 99%-owned subsidiary, PT Bank DBS Indonesia, and is rapidly expanding its footprint across the country. It currently has a network of 40 branches spread across 11 cities. In July 2008, DBS opened a representative office in Vietnam to spearhead its wholesale banking business in the country as well as the greater Indochina region. DBS also made inroads into the Middle East through a representative office in Dubai. In May 2007, it launched The Islamic Bank of Asia (IB Asia), a partnership between DBS and more than 30 investors from prominent families and industrial groups based in the Gulf Cooperation Council countries. IB Asia is headquartered in Singapore and has a representative office in Bahrain.

Businesses

• Personal Banking
• Enterprise Banking
• Corporate Banking
• Private Banking
• Treasury & Markets

Local Subsidiaries

• DBS Asset Management
• DBS Vickers Securities

Barclays plc
1 Churchill Place
London, E14 5HP
United Kingdom
Phone: 44 20 7116 1000
Fax: 44 20 7116 7665

Barclays is a global financial services provider, engaged in retail and commercial banking, credit cards, investment banking, wealth management and investment management services all over the world.

With a vast, international reach, Barclays offers innovative products and services to meet the needs of its diverse base of customers and clients.

Global presence
More about our businesses, operations and career opportunities all over the world.

Group organisation
Barclays Group comprises two business Clusters and our Group Centre operations. Barclays is made up of two ‘Clusters’: Global Retail Banking, and Corporate & Investment Banking and Wealth Management, each of which has a number of Business Units.
The third major area of the business is Group Centre. From Human Resources to Corporate Affairs, this area comprises all the essential Head Office support functions that help Barclays maintain strategic momentum.

Personal banking
From basic accounts in developing markets to financial expertise in high street branches, Barclays services include credit cards, insurance, loans, mortgages and more.
Barclays offers personal banking services to customers in 20 key countries around the world, and provides credit card facilities through Barclaycard to many more.
Products and services for personal customers include:

• Bank accounts, from entry-level through to premier options
• A range of credit cards through Barclaycard
• Savings accounts
• Loans
• Financial advice
• Insurance
• Online banking
• Mortgages through Woolwich.
   

Corporate and business banking
Barclays supports businesses all over the world with services to suit their location, ambitions, challenges and scale, from local enterprises to multinational corporations.
Barclays provides a range of financial services to business customers all over the world, offering, when appropriate, specialist advice and products to meet their diverse demands.
Products and services for corporate and business customers include:

• Support for businesses of any size – from microenterprises to multinationals
• Online banking
• Savings and investments
• Card services
• Risk management
• Access to services from Barclays Investment Banking and Investment Management portfolio
• Leveraged finance
• International trading
• Business loans.

Investment banking
Barclays Capital provides large corporate, government and institutional clients with a full spectrum of solutions to their strategic advisory, financing and risk management needs. Barclays Capital is the investment banking division of Barclays. With a distinctive business model, Barclays Capital provides large corporate, government and institutional clients with a comprehensive set of solutions for their strategic advisory, financing and risk management needs. Barclays Capital has offices around the world, employs more than 20,000 people and has the global reach, advisory services and distribution power to meet the needs of issuers and investors worldwide.

Wealth management
Barclays Wealth focuses on private and intermediary clients worldwide, providing international and private banking, investment management, fiduciary services, and brokerage. Barclays Wealth is a leading global wealth manager, and the UK's largest, with total client assets of £151.2bn, as at 31 December 2009. With offices in over 20 countries, Barclays Wealth focuses on private and intermediary clients worldwide, providing international and private banking, investment management, fiduciary services and brokerage.

Citigroup Inc.
399 Park Avenue
New York, NY 10043
United States
Phone: 212-559-1000
Fax: 212-793-3946

Citi is organized into two major segments – Citicorp and Citi Holdings.

Citicorp

Regional Consumer Banking

• Retail Banking, Local Commercial Banking and Branch-Based Financial Advisors: North America, EMEA, Latin America and Asia; Residential real estate in North America
• Citi-Branded Cards: North America, EMEA, Latin America and Asia
• Latin America Asset Management
   

Institutional Clients Group

Securities and Banking

• Investment banking
• Debt and equity markets (including prime brokerage)
• Lending
• Private equity
• Hedge funds
• Real estate
• Structured products
• Private Bank
•  Equity and Fixed Income research

Transaction Services

• Cash management
• Trade services
• Custody and fund services
• Clearing services
•  Agency/trust

Citi Holdings

Brokerage and Asset Management

• Largely includes investment in and associated earnings from Morgan Stanley Smith Barney joint venture
• Retail alternative investments

Local Consumer Lending. North America

• Consumer finance lending: residential and commercial real estate; auto, student and personal loans; and consumer branch lending
• Retail partner cards
• Certain international consumer lending (including Western Europe retail banking and cards)

Businesses

Credit Cards

• Citi® Credit Cards
•  Small Business Credit Cards

Small and Medium-Sized Business

• Banking and Cash Management Services
• Credit Card Merchant Services
• Small Business Credit Cards
• Trade and Foreign Exchange

Microfinance

• Citi Microfinance

PNC Financial Services Group Inc.
One PNC Plaza
249 Fifth Avenue
Pittsburgh, PA 15222-2707
United States
Phone: 412-762-2000
Fax: 412-762-7829

PNC is a highly diversified and growing financial services organization spanning the retail, business and corporate markets. There's a lot going on at PNC, and we invite you to find out more about us -- from our business, history, and community involvement, to investment and media information, and the many career opportunities that we offer.

Business Overview
PNC offers a wide range of services for all our customers, from individuals and small businesses, to corporations and government entities. No matter how simple or complicated your needs, we're sure to have the products, knowledge and resources necessary for financial success.

Our capabilities: Strong. Deep. Focused on you.

Retail Banking
We provide deposit, lending, cash management and investment services to more than 5 million consumer and small business customers across 15 states and the District of Columbia. No matter how you choose to bank with us--by visiting one of our more than 2,500 branches, using one of our 6,400 ATM machines, or by visiting our online banking site --we make it easy. Our latest innovation, Virtual Walletsm, is nothing less than an online, high-definition view of your money that netbanker.com calls "truly inspired." It's currently available through PNC branches and pncvirtualwallet.com.

Asset Management Group
We deliver a broad range of tailored investment, trust and to private banking to affluent individuals and families, including the ultra-affluent. Institutional Investments serves as investment manager and trustee for companies, not-for-profit organizations and retirement plans across the country. PNC Capital Advisors, Inc. a multi-strategy investment management organization, focuses on style purity and risk management to support clients' long-term investment objectives. In total, we manage approximately $104 billion in assets under management, serving our clients from 87 offices in 14 states and the District of Columbia.

Corporate & Institutional Banking
PNC competes to win in the middle market, where we are proud to be one of the leading credit providers to middle market companies across the country. In fact, PNC is the #1 syndicator of middle market loan transactions in the United States. But credit is only part of the story. Underpinning our success at building deep and lasting relationships with middle market clients is our breadth of capabilities--including extensive treasury management, capital markets and international banking services--many of which have been tailored specifically for the middle market audience. And through PNC's Harris Williams, IDD magazine's 2008 Middle Market Investment Bank of the Year, we offer one of the nation's largest and most successful M&A advisory teams focused exclusively on the middle market. PNC is an industry leader in many other target markets as well. Our client list includes more than one-third of the FORTUNE ® 500 as well as thousands of real estate, healthcare, government, higher education and not-for-profit entities. All of these clients, including many of the nation's largest competitors in their respective specialties, benefit from PNC's deep industry knowledge and our sophisticated capital raising, treasury management and capital markets capabilities.

Residential Mortgage Banking
We provide a wide variety of borrowing options -- whether you're a first-time home buyer, moving up to something larger, looking to refinance your current home or ready to purchase the vacation home of your dreams, we offer the optimal mortgage solution to ensure you obtain the loan that's best for you. Experienced mortgage professionals serve our customers through any of our 2,600 Retail Banking branches and our nationwide network of close to 150 retail mortgage offices in the continental United States.
With a loan portfolio of more than $158 billion as of December 2009, PNC Mortgage is recognized as one of the top 10 residential mortgage originators and servicers nationally.

Global Investment Servicing
With $2.3 trillion in total fund assets serviced and 87 million shareholder accounts, PNC Global Investment Servicing is a leading provider of processing, technology and business intelligence services to asset managers, broker/deals and financial advisors worldwide. We support an international client base from offices in the U.S. and Europe, offering fund accounting and administration services, transfer agency and shareholder services, global custody and securities lending services, subaccounting services, managed account services, alternative investment services, integrated banking transaction services, marketing and distribution services, and advanced output solutions. The acquisitions of Albridge Solutions, Inc., a provider of portfolio accounting and enterprise wealth management services, and Coates Analytics Group LP, a provider of Web-based analytics tools, continued the transformation of PNC Global Investment Servicing's business model. In addition to our processing capabilities, PNC Global Investment Servicing is increasingly a provider of information services to the global investment industry.

BlackRock
PNC owns approximately one-quarter of BlackRock, one of the largest publicly traded investment management firms in the country. BlackRock works on behalf of institutional and individual investors worldwide through a variety of equity, fixed income, liquidity and alternative investment products. In addition, it provides risk management, investment system outsourcing, and financial advisory services to a growing number of institutional investors.

ING Groep NV
Amstelveenseweg 500
Amsterdam, 1081 KL
Netherlands
Phone: 31 20 541 5411
Fax: 31 20 563 5700

ING aims to deliver its financial products and services in the way its customers want them delivered: with exemplary service, convenience and at competitive prices. This is reflected in our mission statement: to set the standard in helping our customers manage their financial future.

Our profile
ING is a global financial institution of Dutch origin, currently offering banking, investments, life insurance and retirement services to meet the needs of a broad customer base. Going forward, we will concentrate on our position as an international retail, direct and commercial bank, while creating an optimal base for an independent future for our insurance operations (including investment management).

Our strategy
To serve the interests of our stakeholders, increase management focus and create value for our shareholders, ING is moving towards separation of its banking and insurance operations. We believe the widespread demand for greater simplicity, reliability and transparency makes this the best course of action. In the future, ING Bank will build on its global presence and international network and capitalise on its leadership position in gathering savings, multi-channel distribution, simple propositions and marketing. ING Insurance has a strong position as a global provider of life insurance and retirement services and is very well-positioned to capitalise on socio-economic trends. We will focus on earning our customers’ trust through transparent products, value for money and superior service. This reflects our universal customer ideal: saving and investing for the future should be easier.

Our stakeholders
ING conducts business on the basis of clearly defined business principles. In all our activities, we carefully weigh the interests of our various stakeholders: customers, employees, business relations and suppliers, society at large and shareholders. ING strives to be a good corporate citizen.

Our corporate responsibility
ING wants to build its future on sustainable profit based on sound business ethics and respect for its stakeholders and be a good corporate citizen. For only by acting with professionalism and integrity, will we be able to maintain our stakeholders’ trust and preserve our reputation. Our Business Principles prescribe the corporate values we pursue and the responsibilities we have towards society and the environment: we act with integrity, we are open and clear, we respect each other and we are socially and environmentally responsible.

Our mission
ING aims to deliver its financial products and services in the way its customers want them delivered: with exemplary service, convenience and at competitive prices. This is reflected in our mission statement: to set the standard in helping our customers manage their financial future.

Our strategy

• The underlying objectives
• How we are getting there
• Two strong businesses
• Banking strategy
• Insurance and Investment Management strategy
• Latest updates on strategy execution

The underlying objectives
ING aims to deliver financial products and services in the way that our customers want them delivered: with exemplary service and maximum convenience at competitive prices.

How we are getting there
We are a global financial institution of Dutch origin, currently offering banking, investments, life insurance and retirement services. In early 2009 we introduced our “Back to Basics” programme to streamline the company while reducing risk, costs and leverage. A key element in this streamlining process was a commitment to reduce complexity by operating the Bank and Insurer separately under one Group umbrella. On 26 October 2009, we announced that we will move over the coming years towards a complete separation of our banking and insurance operations (including Investment Management). We see this as the logical next step in our Back to Basics programme and the right time to take that step. The separation is expected to be executed by the end of 2013. Why this change of approach? Prior to the crisis, being a combined banking and insurance company gave ING advantages of scale, capital efficiency and earnings stability. The landscape has been transformed by the crisis and we now believe the widespread demand for greater simplicity, reliability and transparency makes the complete separation of the banking and insurance operations the best course of action for all our stakeholders. In the future, the most successful financial services organisations will be those that earn and maintain their customers’ trust through transparent products, value for money and superior service. The split will enable both our Bank and our Insurer to emerge from the crisis more efficient, more agile and better equipped to meet our customers’ needs.

Two strong businesses
We will do all we can to secure the lasting success of both our banking and insurance operations. Ensuring business continues as usual for our customers, and that during the reorganization process we protect value for shareholders while meeting the broader interests of our employees and many other stakeholders. We will continue to operate and invest in our insurance businesses as if we are the long-term owner in a way that enhances their market position and financial performance.
Across both banking and insurance operations, we will continue on the course set out in the first phase of our “Back to Basics” programme. This will include the on-going streamlining and standardisation of processes and systems, further procurement savings, and continually improving the effectiveness and efficiency of our IT systems.

Banking strategy
ING’s long-term goal is to be a leading European retail and commercial bank. Our banking activities will be based on the proven strengths of gathering savings, distribution leadership, simple propositions and strong marketing. We will be predominantly focused on Europe with selective growth options elsewhere. Over time, we will build on our current strong market positions to maintain our financial performance through commercial and operational excellence, high customer satisfaction, and a strong capital position.

Insurance and Investment Management strategy
Our insurance company is a leader in retirement services, with an attractive mix of mature and growth markets. Ensuring improvement in the financial performance of all our insurance businesses is a key component of our strategy. The insurance business will focus on our long-term structural leadership positions in life and retirement services. The business will be managed regionally, with key building blocks including the operations in the Benelux, US, Central Europe, Latin America and Asia. We will continue to work to capture synergies and best practices throughout our insurance businesses. Investment Management will continue to pursue its strategy to become an integrated, globally-managed asset manager, combining three regional operations and ING Real Estate Investment Management. Managed as a separate management centre, it will provide services to third party clients as well as insurance and banking subsidiaries. Though managed globally, Investment Management recognises the importance of having a strong local presence in key markets.

UBS AG
Bahnhof Strasse 45
Zurich, 8098
Switzerland
Phone: 41 44 234 11 11
Fax: 41 44 239 91 11

• Headquartered in Zurich and Basel, UBS is a global firm providing financial services to private, corporate and institutional clients.
• UBS is present in all major financial centers and has offices in over 50 countries.
• UBS employs more than 64,000 people around the world.
• UBS's historical roots stretch back more than a century.

Wealth Management & Swiss Bank focuses on delivering comprehensive financial services to high net worth and ultra high net worth individuals around the world – except to those served by Wealth Management Americas – as well as private and corporate clients in Switzerland. Our Wealth Management business unit provides clients in over 40 countries, including Switzerland, with financial advice, products and tools to fit their individual needs. Our Retail & Corporate business unit has a leading position across its client segments in Switzerland.

Wealth Management Americas provides advice-based relationships through financial advisors who deliver a fully integrated set of products and services specifically designed to address the needs of ultra high net worth, high net worth and core affluent individuals and families. It includes the Wealth Management US business, as well as the domestic Canadian business and the international business booked in the United States.

Global Asset Management is a large-scale asset manager with businesses diversified across regions, capabilities and distribution channels. It offers investment capabilities and investment styles across all major traditional and alternative asset classes. These include equities, fixed income, currency, hedge fund, real estate, infrastructure and private equity investment capabilities that can also be combined in multi-asset strategies. The fund services unit provides legal fund set-up and accounting and reporting for all retail and institutional funds.

The Investment Bank provides securities and other financial products and research in equities, fixed income, rates, foreign exchange and precious metals. It also provides advisory services and access to the world's capital markets for corporate and institutional clients, governments, financial intermediaries and alternative asset managers and private investors.

Strategy
Our joint efforts are focused on wealthy investors, institutional and corporate clients, and our domestic Swiss business. Geographically, we aim to be a top tier bank in every growth region. We will optimize the combination of our businesses to generate more value. In order to refocus our portfolio, we will concentrate our efforts on the following:

Businesses 

• Build on our strong Wealth Management (WM) franchise.
• Transform our Investment Bank into an integrated and client-focused business.
• Manage Wealth Management Americas (WMA) for increased profitability.
• Enhance Asset Management by focusing on investment performance and overall efficiency.

Geographies

• Reinforce commitment to our leading position in Switzerland.
• Capture the full value from growth in Asia Pacific and other emerging markets.

Clients

• Further strengthen our Ultra High Net Worth franchise and increase market share.
• Position WMA as an advice-led WM platform while focusing on our High Net Worth/Ultra High Net Worth client franchise.

Bank of Communications
200120, 188 Yinchengzhong Road, Shanghai
24-hour hotline: 95559
Tel: 86-21-95559

Personal Forex Wealth Management. Foreign Exchange Kit

1. Definition
“Foreign Exchange Kit”, technically known as personal foreign-exchange trading (binding offer) transactions, is a form of transaction mode, by which individual customers conduct exchange transactions involving different currencies with capital settlement carried out simultaneously, in a particular time frame specified by BOCOM, via bank counters, telephone , self-service terminals and internet banking.
2. Features
BOCOM “Foreign Exchange Kit” transaction methods cover instantaneous trading, listed trading and entrusted trading through telephone, counter, self-service terminal and internet banking transactions, and the customer’s greatest convenience.
3. Currencies
USD, yen, HKD, British pound, euro, Swiss franc, CAD and AUD.

Structured Deposit

1. Definition
“Structured Deposit" is designed as a new transaction tool for the integrated currency market, and as a high-value investment product provided to customers. Individual customers signing a contract with BOCOM are eligible to purchase structural deposit products from the bank as agreed, following which BOCOM will issue an interest payout to the customer at a predetermined rate, while reserving the right of contract termination.

2. Features

• 100% guarantee of the initial capital and its risk-free maintenance;
• Prompt dividend payouts; investment returns are paid every three months, at an interest rate as stipulated in the contract;
• High returns: Investment returns are obviously higher, compared with interest yields from foreign-currency time deposits of the same period;
• Low threshold: Customers only need to pay a small sum in US currency to initiate the investment.

3. Currencies
USD, yen, HKD, British pound, euro, Swiss franc, CAD and AUD.

Personal Savings In Local And Foreign Currencies

• Time deposit of fixed amount and period: With a minimum deposit amount of RMB 50, the maturity terms of RMB time deposits are 3 months, 6 months, 1 year, 2 years, 3 years and 5 years. For foreign-currency time deposits, a lump-sum deposit can be made in the form of deposit slips or through an “all-in-one” passbook or a Pacific Card. Maturity terms of 1 month, 3 months, 6 months, 1 year and 2 years are offered. Foreign-currency time deposits are available in a range of foreign currencies including USD and HKD.
• Time deposit of irregular savings and lump-sum withdrawal: The minimum deposit amount for this fixed monthly deposit is RMB 5. Maturity terms include 1 year, 3 years and 5 years. The deposit amount is determined by the customer. As deposits are required to be made on a monthly basis, any omitted monthly installment must be made up for in the subsequent month. Otherwise, interests will be accrued, at a rate based on the actual savings and actual deposit period, upon withdrawal.
• Education savings: Catering to the future education needs of students at Primary 4 and above, the plan can be customized around individual financial needs with a flexible savings period. Customers are given full autonomy to determine the total deposit amount, at an attractive interest rate along with tax-free advantages.
• Installment withdrawal of interest on fixed deposit: If you have a considerably large sum of idle cash at your disposal, make a lump-sum deposit and enjoy the benefits of monthly interest payouts, while your entire principal is kept safely intact. Further arrangements on the principal can be made upon maturity. Pioneered by Bank of Communications, this product offers you an ideal option to save up your principal, as you withdraw interest on a regular basis.
• Current deposits: The minimum sum of deposit is RMB1. With a passbook issued by the bank, you are free to make further deposits or withdrawals at any time you wish.
• Personal call deposits: With a minimum of RMB 50,000, the deposit can be made in a lump-sum and withdrawn by intervals. When opening this account, customers are required to provide their valid identification documents and if they choose to be given a confidential password, they will be able to conduct cash withdrawals through our ATM network. It is necessary to give a day or seven days’ notification prior to withdrawal every time. On every such occasion, the amount of withdrawal must not be less than RMB 50,000. If the customer makes a cash withdrawal after notification, the interest will be accrued at an interest rate of one or seven days’ call deposit.
• Integrated current and time deposits: When opening an account, you may choose not to specify a term for your deposit. Deposits may be made in a lump-sum, with a minimum of RMB 50, and the entire sum can be withdrawn any time.

Transfer Of Receivables
Definition
Receivables transfer refers to the fund-raising convenience offered by BOCOM, through receivables transfer, to help alleviate cash-flow inadequacies facing the customer promptly as a result of an increase in receivables. During the transfer period, the transferor (seller) entrusted by BOCOM is responsible for calling on the transferred receivable transfers from merchandize purchasers. If BOCOM is unable to retrieve the full amount of receivables before the deadline, the transferor shall buy back the uncollected balance portion unconditionally.
Salient features

• Timely retrieval of funds, this avoids cash-flow shortages caused by the company’s credit extensions
• Improvement of the company’s financial status, with its asset liquidity enhanced.
• Provision of convenience for company’s credit extensions.

Application criteria

Eligibility criteria for transferor

• Preferably a quality BOCOM customer with a credit rating above AB;
• Good business operation, with a stable market for its products;
• Meets BOCOM’s requirement as a borrower with guarantee-exemption
• Providing bona-fide documents on one’s financial status, business conditions, catalogue of purchasers; names and credit-standing as required by BOCOM.
• Transferor has opened a settlement account at BOCOM.

Eligibility criteria for receivables acceptable to the bank

• Receivables arising from product transactions carried out by transferor through credit extensions;
• Receivables arising from legal, bone-fide, dispute-free product transactions;
• Transferor has signed a sales contract with buyer, with proof of sales invoice and delivery certificates generated under the contract.
• Receivables that, in principle, have been generated in the recent 30-day period.

Application procedures
Besides providing the documents for a loan request to BOCOM for working capital, the transferor is also required to complete the following procedures:

• Submit an application for receivables transfer together with a detailed checklist of receivables;
• Submit the original and duplicate copies of the sales contract, together with proof of commercial invoices and delivery certificates for the receivables;
• Submit basic information, including credit rating, of the merchandise purchaser;
• Upon BOCOM’s approval, a “Transfer of Receivables Creditor’s Rights” agreement will be signed with the transferor;
• Within three working days upon signing the agreement, the transferor is required to submit an original copy of “Notice of Receivables Transfer” to the buyer, with a duplicate copy to be submitted to BOCOM for custody.

SunTrust Banks Inc.
303 Peachtree Street NE
Atlanta, GA 30308
United States
Phone: 404-588-7711
Fax: 404-827-6173

SunTrust Banks, Inc., with total assets of $171.8 billion on March 31, 2010, is one of the nation's largest and strongest financial services holding companies. Through its flagship subsidiary, SunTrust Bank, the company provides deposit, credit, trust, and investment services to a broad range of retail, business, and institutional clients. Other subsidiaries provide mortgage banking, brokerage, investment management, equipment leasing, and investment banking services. Atlanta-based SunTrust enjoys leading positions in some of the most attractive markets in the United States and also serves clients in selected markets nationally. The Company’s mission is to help people and institutions prosper by providing financial services that meet the needs, exceed the expectations, and enhance the lives of our clients, communities, colleagues, and ultimately our shareholders. SunTrust’s 1,678 retail branches and 2,828 ATMs are located primarily in Florida, Georgia, Maryland, North Carolina, South Carolina, Tennessee, Virginia, and the District of Columbia. In addition, SunTrust provides clients with a full selection of technology-based banking channels including online, 24-hour customer services centers, and the latest mobile devices.

• Banking Simplify the way you bank with SunTrust's selection of banking products and services. Whether you're looking for a checking or savings account, credit card or access to online services, our solutions are designed to make banking fast and convenient. SunTrust continues to extend the full benefits of FDIC deposit insurance coverage of $250,000 for personal accounts. If you have $250,000 or less in all of your SunTrust deposit accounts, your deposits are fully insured.
• Borrowing Purchasing a home, remodeling, or need money to finance your education or dream vacation? Find the right solution for your borrowing needs by researching our loan options and rates.
• Investing SunTrust Investment Services, Inc., a subsidiary of SunTrust Banks, Inc., provides investment products and services to help you manage your portfolio, plan for retirement, or save for a child's future education. Learn more about how our account options can help you reach your investment goals.
• Retirement Retirement is different than investing. You actually have to begin spending that money you've saved and worried about. You need to develop a plan for the retirement you've dreamed of.
• Managing Wealth Wealth is about much more than a privileged lifestyle. It provides the means to help you realize your life's vision and ensure the well-being of your family. SunTrust Private Wealth Management develops customized solutions for various life stages and professions.
• Tools and Planning Making smart financial decisions requires research and planning. You can explore your financial options through our free, online resources. Use our calculators to help assess your financial position, or access our tools and resources to increase your knowledge on a variety of topics.

JPMorgan Chase & Co
270 Park Avenue
New York, NY 10017
United States
Phone: 212-270-6000
Fax: 212-270-1648

J.P. Morgan is a leader in financial services, offering solutions to clients in more than 100 countries with one of the most comprehensive global product platforms available. We have been helping our clients to do business and manage their wealth for more than 200 years. Our business has been built upon our core principle of putting our clients' interests first.

J.P. Morgan is part of JPMorgan Chase & Co. (NYSE: JPM), a global financial services firm with assets of $2.0 trillion.

Businesses
J.P. Morgan is a leader in asset management, investment banking, private banking, treasury and securities services, and commercial banking. Today, the firm serves one of the largest client franchises in the world, including corporations, institutional investors, hedge funds, governments, healthcare organizations, educational institutions and affluent individuals in more than 100 countries.

J.P. Morgan's core businesses include:

• Asset Management
• Investment Bank
• Private Banking
• Securities Services
• Treasury Services
• Commercial Banking

Asset Management
Asset Management provides institutional, high-net-worth and individual investor clients with high quality global investment management in equities, fixed income, real assets, hedge funds, private equity and cash liquidity. By building a reputation for investment excellence and superior service, J.P. Morgan Asset Management has become one of the largest asset managers in the world.

Investment Bank
J.P. Morgan is committed to meeting the evolving investment banking needs of its clients. Our goal is to help clients succeed, contribute to orderly and well-functioning markets, and support global economic growth. The firm provides clients with first-class strategic advice, lends money, raises capital, helps manage risk, makes markets and extends liquidity. One of the most important functions the firm serves is extending credit to companies to help them grow.

Private Banking
J.P. Morgan understands the complex challenges and opportunities that individuals and families of wealth face. In its advisory capacity, J.P. Morgan helps its clients to protect and grow their wealth across generations, creating the potential for them to achieve the vision they seek for themselves, their families, their businesses and their legacies. Clients benefit from a diverse range of expertise spanning investments, wealth structuring, trust and estate planning, credit, banking and risk management.

Securities Services
J.P. Morgan is a premier securities servicing provider that helps institutional investors, alternative asset managers, broker dealers and equity issuers optimize efficiency, mitigate risk and enhance revenue. J.P. Morgan leverages the firm's unparalleled scale, leading technology and deep industry expertise to service investments around the world.

Treasury Services
Treasury Services provides innovative payment, collection, liquidity and investment management, trade finance, commercial card and information solutions to the world's leading companies, governments, regional banks and global financial institutions.

Commercial Banking
Commercial Banking provides lending, treasury services, investment banking and investment management services to more than 30,000 clients including corporations, municipalities, financial institutions and not-for-profit entities with annual revenues ranging from $10 million to $2 billion.

The Bank of New York Mellon Corporation
One Wall Street
New York, NY 10286
United States
Phone: 212-495-1784
Fax: 212-495-2546

Established in 2007 from the merger of Mellon Financial Corporation and The Bank of New York Company, Inc., BNY Mellon is a leading asset management and securities services company, uniquely focused to help clients manage and move their financial assets and succeed in the rapidly changing global marketplace. Headquartered in New York, BNY Mellon has $22.3 trillion in assets under custody or administration and $1.1 trillion under management.

For Institutions and Corporations:
We help organizations build assets, enhance performance, improve operating efficiency and reduce risk through a wide range of asset management and securities services solutions.

For Private Clients:
For individuals, we offer sophisticated financial solutions, including investment and wealth management, private banking and shareowner services.

For Consultants and Advisors:
We work closely with consultants and advisors to help them select and present the services that best meet the needs of the clients they serve.

BNY Mellon is dedicated to acting with the highest standards of integrity and openness, based on a rich shared heritage of trust and reliability.

BNY Mellon, A Vision of Growth and a History of Performance Through Good Times and Bad
BNY Mellon's history of providing distinguished service spans 225 years. Founded in 1784, soon after the birth of the new American republic, our history is inextricably woven into the broader history of the nation.

Two of our leaders, during different centuries, played key roles in the development of the American government and economy, helping to shape the nation and the prosperity enjoyed by its citizens and businesses.

Alexander Hamilton, one of America's founding fathers and a highly respected New York attorney, personally wrote the company's constitution and, during the early years, remained the individual most actively involved in the organization. Hamilton's economic vision and firm grasp of financial principles served the company well. Hamilton went on to become the first U.S. Secretary of the Treasury and a member of George Washington's first cabinet.

Less than a century later, this focus on driving business development was amplified by Andrew Mellon, whose willingness to fund and invest in new business startups helped launch the American industrial revolution. Mellon became one of America's foremost financiers, industrialists and philanthropists. As with Hamilton, in time Mellon was appointed U.S. Secretary of the Treasury, a position he held under three U.S. Presidents.

From the beginning, we have embraced the changes and challenges that face our clients and helped them navigate the increasing complexity of the world's financial markets. This tradition of focusing on the needs of businesses and the management of wealth has served BNY Mellon well for 225 years. And it is our goal to continue to do so well into the future.

Saxo Bank A/S
Smakkedalen 2
DK-2820 Gentofte
Denmark
Phone:+ 45 3977 4000
Sales:+ 45 3977 4007
Fax: + 45 3977 4200

Profile
Saxo Bank was founded in 1992 by Co-CEOs Lars Seier Christensen and Kim Fournais. Saxo Bank was among the first financial institutions in the world to develop an Internet-based information and investment trading platform. From the outset, the Bank emphasised technology as a vital element for being competitive in the online trading industry. With a worldwide client base, Saxo Bank has been recognised for the excellence of its technology and the services it provides. A fully licensed and regulated European bank, Saxo Bank has built a global base of individual retail clients, corporations and financial institutions from its headquarters in Denmark and numerous regional offices. Since receiving European bank status in June 2001, Saxo Bank has positioned itself as a leading player in online trading thanks to its superior client service, competitive pricing and its focus on developing industry-leading trading platforms.

What we do
Saxo Bank is a fully regulated specialist in investment and trading services catering to investors and institutional clients. Using SaxoTrader, SaxoWebTrader and SaxoMobileTrader, the award-winning, multi-asset online platforms, clients all over the world can trade FX, CFDs, Stocks, Fixed income, Futures, Commodity CFDs, ETFs, Options and other derivatives. Saxo Bank has a proven track record and is a trusted business facilitator for licensed financial institutions. Our White Label Solution programme combines the Bank's technology, resources and liquidity with our institutional client´s local market knowledge, regional expertise and language skills. By using Saxo Bank's technology, large institutional banks and smaller brokers, can offer their clients the best trading platform without investing in developing their own IT solutions.

Client types

• Retail clients: Saxo Bank has brought professional trading to retail investors by providing them with direct access to global capital markets. Retail investors, like professional traders, have access to market news and analysis in the equity, futures and FX markets. For CFDs, Stocks, Futures and other financial asset classes, Saxo Bank delivers fast and reliable price feeds, including an online subscription tool that provides clients with access to live prices from more than 25 exchanges and news providers. Saxo Bank regularly organises local investment seminars to help clients and other investors understand topics such as online FX trading, how to trade a CFD, or how to use Saxo Bank’s trading platforms to achieve the best possible results from trading the financial markets.
• Introducing brokers: Saxo Bank is an experienced and reliable business facilitator for more than 250 Introducing Brokers all over the world. Catering to money and portfolio managers, Saxo Bank provides a trusted brand and the perfect set-up for all those who trade on behalf of clients, as well as brokers with self-trading clients and, of course, those who offer both options. Working with Saxo Bank opens the door to new business development opportunities. This can help the Introducing Brokers grow and accelerate the product range they offer, as well as increasing their client base and improving trading performance.
• White label solutions: One of the main advantages offered by Saxo Bank to regulated wholesale clients is a white label solution. It is built around a customised version of Saxo Bank’s trading platforms branded under the White Label Client´s name. Saxo Bank offers the technology, the knowledge and the complete infrastructure to enable the Bank’s White Label Clients to enter or expand their range in the online trading market. The solution is built around a customised version of the SaxoTrader platform and is presented under the Client´s own name. But it goes well beyond that. Saxo Bank’s White Label Programme combines the multi-asset platform with integrated front- and back-office infrastructure, real-time risk management, client-base development tools, as well as dedicated partner services and go-to-market strategies to help White Label Clients effectively enter, grow and optimise their business.

Saxo Asset Management
Saxo Bank offers professional portfolio management to wealthy individuals and institutions. Private Banking and Asset Management are areas of increasing significance for the bank. The acquisitions of Sirius Capital Management and Capital Four Management, and the 51% stake in Global Evolution, have secured a stronger Nordic presence in portfolio management. The asset management activities of the bank now include management expertise for fixed income, equities, corporate bonds and emerging market products.
 

Financial results
Following a record year in 2008, net profit ended at DKK 201 million in 2009. Being an online trading and investment bank not engaged in traditional lending activities and not dependant on traditional loan financing business, Saxo Bank’s business model has proven successful and largely resilient to the financial crisis.

Expansion
2009: Saxo Bank opened offices in Milan, Dubai, Madrid, Prague, Amsterdam and Athens. The bank purchased Sirius Capital Management and later the entire share capital of Capital Four Management and 51% of Global Evolution to strengthen its asset management activities.
In September, ESFG and its subsidiary BES Group increased its share holding in Saxo Bank to 10 percent and agreed to sell shares to Saxo Bank representing 25 percent of the capital of Banco Best, the online subsidiary of ESFG and BES Group.
2008: In January, ESFG, the financial services holding company, and its subsidiary BES Group, Portugal's largest private bank, took a five percent share in Saxo Bank.
In May, Saxo Bank acquired French Broker Cambiste which later became Saxo Banque France. One month later, Saxo Bank Japan was launched.
2007: In August, the Bank opened a representative office in Beijing and in September Saxo Bank Switzerland opened.
2006: Saxo Bank opened its first two offices outside Copenhagen. In March, the London office opened in Canary Wharf, and in November, Saxo Capital Markets Pte. Ltd. opened in Singapore.
2005: In June, General Atlantic, LLC, a global private equity investment firm, invested DKK 728 million (about USD127 million) in Saxo Bank.

Bank of America Corporation
100 North Tryon Street
Bank Of America Corporate Center
Charlotte, NC 28255
United States
Phone: 704-386-5681

Making a difference
Bank of America brings the power of our human and financial capital to transform communities into vibrant, desirable places for people to live, work and raise families.
Transforming communities
By helping people achieve their financial goals, we strengthen the fabric of communities where we do business.
Our community impact

Loans and investments
We offer special business loans, mortgages and financial opportunities to help you realize your dreams.
Our financial programs

National initiatives
Our efforts nationwide are restoring communities across America. Specific community development initiatives deployed nationwide include:
• $1.5 Trillion Goal
• Program Related Investments
• Credit Counseling Grants
• Information about Bank of America's Alliance for Stabilizing our Communities community development goal.
• Information about Bank of America's Neighborhood Stabilization Program community development goal.

National community relationships
We work with national organizations to strengthen communities coast to coast.
View a list of our National Community Relationships

Local involvement
We work at the local level to revitalize communities across America.
Our local efforts

Bank of China Limited
1 Fuxingmen Nei Dajie
Beijing 100818, China
Tel.: +86-10-6659-6688

Bank of China，or Bank of China Limited in full, is one of China’s four state-owned commercial banks. Its businesses cover commercial banking, investment banking and insurance. Members of the group include BOC Hong Kong, BOC International, BOCG Insurance and other financial institutions. The Bank provides a comprehensive range of high-quality financial services to individual and corporate customers as well as financial institutions worldwide. In terms of tier one capital, it ranked 18th among the world’s top 1,000 banks by The Banker magazine in 2005.

The Bank is mainly engaged in commercial banking, including corporate and retail banking, treasury business and financial institutions banking. Corporate banking is built upon credit products, to provide customers with personalized and innovative financial services as well as financing and financial solutions. Retail banking serves the financial needs of the Bank’s individual customers, focusing on providing them with such services as savings deposit, consumer credit bankcard and wealth management business. Treasury business includes domestic and foreign-currency trading and investment, fund management, wealth management, value-secured debt business, domestic and overseas financing and other fund operation and management services. Financial institution banking refers to services offered to banks, securities brokerages, fund companies and insurance companies worldwide ranging from clearing, inter-bank lending to agent and custodian services. As a Chinese financial institution with a history of almost a hundred years, the Bank is well known for its continuous business innovations, introducing many brand new products and services in the domestic banking industry, while paying regard to the need for prudence in its operations. It is widely recognized and commended by its peers and customers in international settlement, foreign exchange, trade finance, etc.

Over the past century, Bank of China played an important role in China’s financial history. It was established in 1912 pursuant to the approval of Mr. Sun Yatsen. In the following 37 years until the founding of the People’s Republic of China in 1949, the Bank served as the central bank, international exchange bank and specialized foreign trade bank successively. As the pillar of the country’s financial industry, Bank of China was committed to serving the public and developing the domestic financial sector. During these volatile years, the Bank strived to expand its presence in the market by prudent operation and aggressive reform, leading the market in many areas of its operations for a long period. Having branched out into overseas market, the Bank opened a brilliant chapter in China’s modern and contemporary banking history.

In 1949, Bank of China became the state-designated specialized foreign exchange bank and substantially contributed to development of foreign trade and the national economy. In 1994 and following the entrenchment of the reform of the financial sector, Bank of China was converted into a wholly state-owned commercial bank. Together with the other three wholly state-owned commercial banks, it constituted pillars of the country’s financial industry.

In 2003, it was named by the State Council as one of the pilot banks for joint-stock reform of wholly state-owned commercial banks. In order to develop itself into an internationally competitive modern joint-stock commercial bank with abundant capital, strict internal control, secure operations, and sound service and performance, Bank of China further improved corporate governance mechanism, strengthened risk management and internal control, integrated management processes and business processes, promoted human resource management reform, accelerated product and service innovation, and steadily pushed ahead joint-stock reform. On August 26, 2004, Bank of China Limited was formally incorporated in Beijing as a state-controlled joint stock commercial bank, turning a new chapter in its history and signaling a huge step forward in becoming a modern joint stock commercial bank with good corporate governance practices.

Bank of China is the most internationalized commercial bank in China. BOC London Branch, the first overseas branch of the Chinese banks, was established in 1929. From then on, the Bank successively opened branches in global financial centers, and has built up its network in 27 countries and regions. Currently, it had over 10000 domestic operations and over 600 overseas operations. In 1994 and 1995, Bank of China became the note issuing bank in Hong Kong and Macao respectively. It was the first among Chinese banks to recruit international experts and to introduce modern business management concepts into its operations with a view to become a premiere international bank.

On July 14, 2004, Bank of China became the sole banking partner of Beijing 2008 Olympic Games. The Bank will offer efficient and quality financial services to domestic and foreign customers. It will promote the Olympic spirits and contribute to the success of this magnificent sports event, thereby improving its corporate image and its value to the community.

Bank of China has received wide recognition from its peers, customers and authoritative media for the credit and performance it achieved in past years. It has been awarded “Best Bank in China” and “Best Domestic Bank in China” by Euromoney for eight times; it has been included in the Fortune Global 500 for 16 consecutive years; in addition, it was awarded “Best Domestic Bank in China” by The Asset, awarded “Best Trade Finance Bank in China” and “Best Foreign Exchange Bank in China” by Global Finance, and awarded “the Top 10 Product Service Enterprises in China” by Far Eastern Economic Review; since BOC Hong Kong was restructured and listed in the Hong Kong stock market, it has been the winner of many significant awards, including “Best IPO Investor Relation Award” issued by the Investor Relations Magazine and “ Best Transactions” and “Best Privatization Award” issued by Asian Finance.

In the past century, Bank of China was deeply relied on by customers thanks to its sound operation, strong capacity, advanced products and rich experience. It has built up a splendid brand and established a long-term stable cooperative relationship with its customers. Being customer-centered and market-oriented, Bank of China will improve corporate governance in pursuit of sound benefits, and develop into a leading international bank. Depending on strong capacity, worldwide network, advanced products and rich experience, it is dedicated to offering customers with a full range of high-quality banking services.

US Bancorp
800 Nicollet Mall
Minneapolis, MN 55402
United States
Phone: 651-466-3000

Minneapolis-based U.S. Bancorp (NYSE: USB), with $282 billion in assets, is the parent company of U.S. Bank National Association, the 5th largest commercial bank in the United States. The company operates 3,025 banking offices, 5,312 ATMs in 24 states, and provides a comprehensive line of banking, brokerage, insurance, investment, mortgage, trust and payment services products to consumers, businesses and institutions.

Shareholder Contact Information
BNY Mellon Shareowner Services is the transfer agent for U.S. Bancorp and maintains all shareholder records for the corporation. Inquiries and correspondence related to shareholder records, stock transfers, changes of ownership, changes of address, dividend payment, and reinvestment and stock purchase plan should be sent to the transfer agent as follows:
Telephone: 1-888-778-1311

• Automated support available 24 hours a day, 7 days a week
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