Bancorp International Group Inc (fka BCIT)

[matrix]

Yours is pretty funny too. First you say Cede owns the stock then a few lines later say the brokers do. Whoever is listed on the cert is the shareholder of record. It's usually Cede for streetname.

The reason brokers can loan stock from someone's account is because he willingly agreed to this term when opening a margin account. For cash accounts, there isn't a similar agreement between the two parties so loans aren't made from them.