Prospect Financial Corporation

CitizensUnion Financial Services, a part of CitizensUnion Savings Bank, provides a variety of insurance and investment products. CitizensUnion Financial Services offers full-service stock and bond trading services, as well as mutual funds, annuities and college savings tax plans. It provides products from Infinex Investments. CitizensUnion Savings Bank offers savings, checking, retirement and money market accounts. In addition, it provides personal, mortgage and automobile loans. The bank also offers certificates of deposit, safe-deposit boxes, traveler s checks and money orders. Founded in 1851, Citizens~Union Savings Bank provides online and telephone banking, direct deposit, business development, insurance and investment services.

Citizens Financial Group, Inc. is a $137 billion commercial bank holding company. It is headquartered in Providence, R.I., and has more than 1,600 branches, approximately 2,800 ATMs and more than 26,000 employees. It operates its 13-state branch network in Connecticut, Delaware, Illinois, Indiana, Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, and has non-branch offices in more than 30 states. Citizens is the eighth largest commercial banking company in the United States ranked by deposits. Citizens is owned by RBS (The Royal Bank of Scotland Group plc).