Frank P. Bramble

MBNA Corp. issues credit cards. The company through its subsidiary, MBNA America Bank, N.A., provides various financial services in the United States, Canada, United Kingdom, Ireland and Spain. The company primarily offers lending, insurance and deposit account products and services. Its lending products include credit cards, consumer loans, home equity loans, aircraft loans, mortgage loans, business credit cards and other business lending products to individuals and small businesses. In addition to its credit card lending, the company makes other consumer loans, including installment and revolving unsecured loan products, mortgage loans, insurance premium financing loans, aircraft loans and other specialty lending products to consumers and commercial loans, which include business card products, professional practice financing loans and other specialty lending products to small businesses. MBNA also offers insurance and deposit products, including money market deposit accounts and certificates of deposit. MBNA is headquartered in Wilmington, DE.

Constellation Energy Group, Inc. supplies power, natural gas and energy products and services. The company was founded on September 22, 1995 and is headquartered in Baltimore, MD.

Virginia Federal Savings Bank is a savings bank based in Richmond, VA. Virginia Federal Savings Bank was acquired by Crestar Financial Corp. from NationsBank Corp. on February 16, 1994.

American Security Bank was opened in September, 1990, as Sun Country Bank. In the fall of 2003, the Bank’s holdings expanded through the purchase of PriVest Bank, a single location in Santa Ana. In June of 2005 the Bank changed its name to American Security Bank. From June, 2005 to November, 2008, the Bank’s footprint expanded through the opening of new offices in Corona and Apple Valley; the relocation of its headquarters from Santa Ana to Newport Beach; the relocation of its commercial real estate lending division to the headquarters facility; and the construction of an updated office that replaced its flagship Apple Valley office. The bank currently operates five full-service banking offices. Two loan production offices and two convenient electronic banking vestibules. The four-county footprint served by American Security Bank includes the High Desert region of San Bernardino County, the Antelope Valley region of Los Angeles County, the Inland Empire, and Orange County.