Stephen Rowland

Washington Mutual, Inc. provides financial services to consumers and mid sized businesses in the United States. The company primarily operates through three segments: retail banking & financial services, mortgage banking and commercial banking. The retail banking and financial services segment provides investment advisory and brokerage services, sales of annuities, mutual fund management and other financial services. This segment also purchases and re-underwrites loans to subprime borrowers. The mortgage banking segment offers various home loans including fixed rate home loans, adjustable rate home loans, hybrid home loans, option ARMs and government insured or guaranteed home loans. The commercial segment provides financing to developers and investors for the acquisition or construction of multifamily dwellings and other commercial properties, originates and services multifamily and other commercial real estate loans. The company was founded in August 1994 and is headquartered in Seattle, WA.

Cargill, Inc. engages in the provision of food, agricultural, financial, and industrial products and services. It specializes in food service, agriculture, meat and poultry, transportation, pharmaceutical ingredients, and beauty products. The company was founded by William Wallace Cargill in 1865 and is headquartered in Minneapolis, MN.

Citibank NA engages in the provision of banking services. It offers retail and commercial banking; credit cards; banking, capital markets, and advisory; markets and securities services; private banking; and treasury and trade solutions. The company was founded on June 16, 1812 and is headquartered in New York, NY.

CMC Markets UK Plc provides on-line financial trading services. It offers contracts for difference, financial spread betting and foreign exchange trading services. The company was founded in 1989 and is headquartered in London, UK.

NatWest Markets Plc (Investment Management) (NWM-IM) is the investment management division of NatWest Markets Plc, a wholly-owned subsidiary of NatWest Group Plc (LON: NWG) in Great Britain. The firm was founded in 1984 and formerly known as The Royal Bank of Scotland Plc. Headquartered in London, NWM-IM offers debt financing, risk management and trading solutions to UK-connected high-net-worth individuals.

BAWAG P.S.K. AG operates as a credit union. The firm provides financial savings management and international banking services. It offers checking and savings accounts, deposits, loans, leases, mortgages, credit cards, automated teller machine networks, securities brokerage, investment banking, insurance, as well as mutual and pension funds. The company was founded by Georg Coch on May 28, 1882 and is headquartered in Vienna, Austria.

HBOS Plc engages in the provision of retail and commercial banking services, mortgages, insurance, and investment services. The company was founded on May 3, 2001 and is headquartered in Edinburgh, the United Kingdom.

Bank of Cyprus Public Co. Ltd. engages in the provision of banking, financial, and insurance services. It operates through the following geographical segments: Cyprus, United Kingdom, and Other Countries. The firm also focuses on the management and disposal of property predominately acquired in exchange of debt. The company was founded on January 1, 1899 and is headquartered in Nicosia, Cyprus.

Mitsubishi HC Capital UK Plc engages in credit-financing services. Its financial areas include business finance, consumer finance, credit management, re-insurance services, and automobile leasing. The company was founded on April 21, 1982 and is headquartered in Leeds, the United Kingdom.

Unity Trust Bank Plc provides banking services to trade unions, charities, and other organisations that operate in the not-for-profit sector. It offers corporate multipay card, e-payments, foreign, internet and telephone banking, online statements, and debt counselling services. The company was founded on May 1, 1984 and is headquartered in Birmingham, the United Kingdom.

Atradius NV provides commercial credit and political risk insurance coverage services. It offers debt collections, bonding, reinsurance, and global. The company was founded in 2001 and is headquartered in Amsterdam, the Netherlands.

Digi-Key Corp. distributes electronic components. It also distributes semiconductors, discrete, electromechanical parts. Its products include audio products, batteries, cable assemblies, capacitors, computer & video accessories, connectors, crystals & oscillators, discrete semiconductor products and many more. The company was founded by Ronald A. Stordahl in 1972 and is headquartered in Thief River Falls, MN.

Capital One (Europe) Plc issues credit card. It also provides retail financial services. The company is headquartered in Nottingham, the United Kingdom.

Record Currency Management Ltd. (Record) is a UK-based investment management firm headquartered in Windsor, Berkshire. The firm was founded by Neil Record in 1983 and is a subsidiary of Record Plc (LON: REC). Record provides investment advisory and implementation services to investment funds, corporations, charitable organizations and pension plans. They also work for quasi-governmental organizations, banks, insurance companies and a very small number of individuals who must be deemed elective professional clients under the FCA rules.

Telenor Microfinance Bank Ltd. provides microfinance banking services. The firm offers micro mortgage for crop and trade financing; business and emergency loans, micro leasing, term deposit accounts, and micro savings, and group loans to men and women in urban and rural areas. It serves low-income, salaried, self-employed, and micro entrepreneurs. The company was founded by Nadeem Hussain on August 1, 2005 and is headquartered in Karachi, Pakistan.

Part of HSBC Holdings Plc, Firstdirect Bank is a bank that provides banking services. The British company was founded by Paul Robert Gratton.

Cxloyalty Inernational Ltd. provides marketing services to financial institutions and insurance companies. It offers sentinel card protection, a software protection, fraud insurance product for personal computer users, protection, insurance, travel, leisure products and services. The company was founded in 1971 and is headquartered in Slough, the United Kingdom.

WiZink Bank SA is a commercial banking services company. It is engaged in providing financial solutions such as loans and savings plan, and credit card. The company was founded in 2000 and is headquartered in Madrid, Spain.

Morgan Stanley & Co. Ltd. provides wealth management, investment banking, and other financial services. The company founded on September 15, 1987 and is headquartered in London, the United Kingdom.

Part of Warner Bros. The company is based in London, UK. Discovery, Inc., Oath (UK) Ltd. is a British media technology company. Oath (UK was founded in 1997 and operates as a media technology company.

OVO Energy Ltd. operates an online platform for energy consumption and distribution. The firm enables users to purchase electricity service and pay its monthly bill online. Its platform also provides information and analytics regarding the subscriber's electricity usage. The company was founded by Stephen Fitzpatrick in 2009 and is headquartered in Bristol, the United Kingdom.

Retail Money Market Ltd. operates an online platform which provides investment advisory services. The company was founded by Rhydian Lewis and Peter Behrens in 2009 and is headquartered in London, the United Kingdom.

Hampden & Co. Plc is a British private banking company that offers exceptional service, expertise, and advice to personal and professional clients. The company is based in Edinburgh, UK and provides banking expertise to clients across the region. In addition to banking services, Hampden & Co. also offers bespoke insurance solutions through Hiscox Private Client and works with clients' other professional advisers to provide appropriate tax advice for their property investments. Founded by David Nabarro, the company has been led by CEO Graeme Thomas Hartop since 2013.

Pay4later Ltd. provides a software platform designed to make finance simple for lenders, retailers, and consumers. It enables retailers to offer point of sale finance solutions to the customer’s online, in-store, and by email. The firm redefines point of sale finance for the digital age and retailers can offer credit across all of its sales channels using existing payment infrastructure. The company was founded by Scott Law on December 6, 2007 and is headquartered in London, the United Kingdom.

NewDay Ltd. provides consumer credit financial services. Its own brand products include aqua, marbles, and Opus. The company was founded in September 2001 and is headquartered in London, the United Kingdom.

Newday Group Ltd. functions as an investment holding British company. The private company is based in London, UK.

NewDay BondCo PLC provides credit and debit cards. The company was founded on November 7, 2016 and is headquartered in London, the United Kingdom.

Part of Alliance Creative Group, Inc., NewDay UPL Transferor Ltd. provides other business support services. The company is based in London, UK and was founded in 2016.

Part of Alliance Creative Group, Inc., Newday Holdings Ltd. is an investment holding British company. The company is based in London, UK. Newday Holdings was founded in 2011.

Part of Madison Cf Luxembourg SARL, 118 118 Money is a British financial services company that provides guidance and tools for managing finances and choosing loans and credit cards. The company is based in Cardiff, UK and was founded in 2013. 118 118 Money is authorized and regulated by the Financial Conduct Authority.

Part of Nemean TopCo Ltd., NewDay UK Ltd. is an investment holding company. NewDay UK Ltd. is based in London, UK. Founded in 2016, NewDay functions as an investment holding company.

Latitude Financial Group Ltd. provides consumer finance services. The company was founded in 2015 and is headquartered in Docklands, Australia.

Mercury Financial LLC engages in the provision of financial services. The company is headquartered in Austin, TX.

Part of Pay4later Ltd., Imegamedia Services Ltd. is a British company that provides information technology consultancy services. The company is based in Bournemouth, UK. The company was founded in 2018. Maxine Andrea Moon has been the CEO of the company since 2018. Imegamedia Services was acquired by Pay4later Ltd. on August 18, 2021.

The UK Cards Association Ltd. provides a dedicated representative voice for the card payments industry. Its priorities are promoting good outcomes for consumers through choice and transparency, ensuring consumer protection, with extra support for vulnerable customers, facilitating payments innovation, and providing leadership in fraud management. The company was founded in 1980 and is headquartered in London, the United Kingdom.