Tom Cowell

Fitch Ratings, Inc. is a global rating agency and investment research firm headquartered in New York City. The firm was founded by John Knowles in 1913 as Fitch Publishing Co. They are a subsidiary of Fitch Group, Inc., ultimately owned by The Hearst Family Trust. Fitch Ratings seeks to provide independent and prospective credit opinions, research and data to the world's credit markets. Their approach is based on a foundation of local market experience that covers capital markets in over 150 countries. The firm's ratings analysis and rating decisions are based on established criteria, methodologies and ratings definitions which they apply in a consistent manner. Fitch Ratings provides coverage of the following markets: Economics, Banks, Insurance, Sovereigns, Corporates, Structured Finance, Public Finance – International, Public Finance – US, Infrastructure & Project, and Finance.

Manhattan Bancorp operates as a holding company for Bank of Manhattan NA. The company through its subsidiary, Bank of Manhattan NA, provides both secured and unsecured commercial term loans and lines of credit, as well as construction loans for individual residential properties. It offers a full range of deposit products including non-interest bearing demand deposits and interest bearing checking accounts, savings accounts and certificates of deposit. The company also offers wire transfers, electronic bill payment, overdraft protection, and assorted retail banking services are offered to all customers, and cash management services to its commercial checking account customers. It operates its business through three segments: Mortgage Division, Commercial Division and Other, which includes Bancorp, MBFS and Eliminations between the company's Bank and Non-Bank segments. Manhattan Bancorp was founded on June 19, 2006 and is headquartered in El Segundo, CA.