We would like to thank the following sponsors for demonstrating
their committment to the greater Philadelphia minority business
community:

William A. Smith
Vice President & Regional Manager for Community Investment
william.smith@citizensbank.com
Phone: (267) 671-1053
Fax: (215) 751-1518
www.citizensbank.com
2001 Market Street, Suite 600
Philadelphia, PA 19103
Giving back to the communities and neighborhoods we serve
has long been a priority at Citizens Bank. We recognize
that the strength of our business lies not only within our
branches, but also within the roots of our communities.
As a team, our employees share in the personal involvement
exemplified by our senior management team, who encourage
our employees to be good neighbors wherever we live and
wherever we do business.
Our "Outstanding" CRA (Community Reinvestment
Act) ratings from the Federal Deposit Insurance Corporation
(FDIC) reflect our commitment, which is based on Lending
Performance, Community Development Lending, Innovative/Flexible
Lending Programs, and Investments. The following are some
of the accounts and services we offer:
- Affordable Mortgages
- Basic Banking
- Home Improvement Loans
- Small Business Loans
Citizens Bank of Pennsylvania is a $22 billion bank with
more than 390 branches, 640 ATMs and a convenient network
of commercial banking offices throughout Pennsylvania. It
also operates four retail branches and four ATMs in southern
New Jersey. It has more than 5,000 employees. Citizens Bank
of Pennsylvania is a subsidiary of Citizens Financial Group,
Inc., a $64 billion commercial bank holding company headquartered
in Providence, RI. Citizens has more than 850 offices and
approximately 1,700 ATMs, operating as Citizens Bank in
Connecticut, Delaware, Massachusetts, New Hampshire, New
Jersey, Pennsylvania and Rhode Island. Citizens is one of
the 20 largest commercial banks in the United States. It
is owned by The Royal Bank of Scotland Group plc.
The Citizens Web site is at www.citizensbank.com
Bank of America Foundation
Sovereign Bank Foundation
The PNC Foundation
Peco Energy/Exelon Corp
The Verizon Foundation
The Wachovia Foundation