banking and financial services, namely, savings accounts, certificates of deposit, money market accounts, individual retirement accounts, and checking accounts; consumer financing services, namely, overdraft protection, credit cards, auto loans, home equity loans and lines of credit, mortgage loans, and personal loans and credit lines; commercial banking and financing, namely, real estate and construction financing, international banking and financing, working capital financing, small business administration guaranteed loans, department of transportation short term lending programs, foreign currency exchange services, cash management services, and business credit cards; automated teller machine services; safety deposit box services; banking services, namely, issuing traveler's checks and gift certificates of money, savings bonds, money orders, cashier's checks, and remittance processing services