Fidelity Trust Corporation

Fidelity Trust Company (FTC), a U.S. subsidiary of Japanese Commercial Bancorp (JCB), is internationally backed by over two hundred billion dollars of assets. FTC's Commercial Banking segment provides asset management, investment banking, underwriting, lending, and treasury services to not-for-profit entities, municipalities, financial institutions and corporations around the world. After world financial turmoil in the early 1980's, and unprecedented interest rate volatility, Fidelity Trust Company was strengthened through an acquisition by a major Japanese Commercial Bank. With the support of the Federal Reserve, the Comptroller of the Currency, and the State Banking Authorities, FTC was spearheaded towards a broader international presence and client base.

Through this corporate restructuring, FTC has reestablished its client commitment by offering a larger array of financial services while taking on less risk. FTC's strategy now consists of a common sense lending approach that protects our financial standing, while allowing us to offer an exceptional client experience. Revising the risk management division's appetite, FTC has now embraced loan participations: allowing FTC to take on less risk on the books, while still receiving up-front revenue from servicing the loan. FTC works with a strong pre-screened network of lenders that share a commitment for practical lending for prime clientele. This allows FTC to maintain a high level of internal liquidity, while improving return on asset ratios. Currently FTC holds five billion dollars in cash and cash equivalent assets, allowing a strong, flexible approach to market conditions. FTC has taken on the safer approach of trying to diversify risk away from individual corporations onto the general market, whenever possible. Since the financial volatility of the early 1980's, with the health of certain financial institutions in question, the new industry standard has evolved to take on less