BANKING AND FINANCIAL SERVICES, NAMELY, UNDERWRITING MORTGAGES, CONSTRUCTION AND REHABILITATION FINANCING, CHECK CASHING, ISSUANCE OF MONEY ORDERS, WIRE TRANSFER OF MONEY, PAYMENT OF UTILITY BILLS FOR ACCOUNT HOLDERS, ESTABLISHING AND MANAGING TRUSTS, ELECTRONIC BANKING, COMMERCIAL AND PERSONAL LOANS, SAFE DEPOSIT BOXES, ISSUANCE OF TRAVELERS CHECKS, CHECK PROCESSING AND VERIFICATION, INVESTMENT ADVICE, SAVINGS ACCOUNTS, CASH MANAGEMENT SERVICES AND COMPUTER BANKING