Lynn Pike

Provides credit and charge cards, payments and online platforms solutions

Operates as a holding company whose subsidiaries provides credit cards, consumer and commercial banking services

Operates as a bank holding company whose subsidiaries provides consumer and global banking, markets brokerage & wealth and investment management services

Acts as a financing subsidiary/Special purpose entity

Individually managed equity portfolios emphasize long-term growth and are constructed from a list of between 30 and 50 stocks carefully selected from a universe of about 300 companies. Typically large capitalization, these stocks are identified through a process that combines bottom-up company-by-company analysis with top-down screening. Approved stocks are combined in a portfolio that is deliberately diversified across economic sectors to manage risk while capitalizing on long-term economic expectations and demographic trends. Equities: The firm methodology for equities investing includes a systematic analysis of macroeconomic conditions. To be included in a portfolio a company must: 1) have historically low relative p/e ratio of stock to industry, stock to market and stock to GNP; 2) be growing at a rate greater than its current p/e multiple; 3) have a strong cash flow; 4) have increasing levels of dividends. Stocks are sold when they reach an extreme in the established price range, the fundamentals deteriorate, or there are more compelling buying opportunities available. Balanced & Fixed: The firm uses a combination of economic, international, and political analysis to begin to determine the proper asset allocation between fixed-income and equity investments. Fixed-income parameters are based upon forecasts of trends in economics and interest rates and other technical considerations. The equity portion of the portfolio is determined by establishing a likely range for the market based upon forecasts of earnings, inflation, and corporate price-earnings. In addition, consideration is given to the clients' investment objectives.

Provides banking services

Engages in the insurance and reinsurance businesses

NFB believes that their responsibility to provide investment returns encompasses an obligation to balance the risk and reward of a given investment and uses asset allocation as a way to minimize risk in a given portfolio. The cornerstone of their investment mechanism is the investment policy committee that consists of senior investment officers and key administrative officers who formulate the investment strategy in response to changes in the economy and markets. NFB uses a top-down approach to determine the asset allocation models and industry diversification and uses value models to select the individual stocks to buy and sell.

Non-profit organization that provides credit counseling, case management, economic education, loan preparation and outreach services to the community