BANKING SERVICES; NAMELY, CHECKING ACCOUNT, MONEY MARKET, SAVING ACCOUNT, AND CERTIFICATE OF DEPOSIT SERVICES; LENDING SERVICES, NAMELY, MORTGAGE LOANS, CONSUMER, RETAIL, AND COMMERCIAL LOANS, CREDIT AND DEBIT CARD SERVICES [ ; AND INVESTMENT SERVICES, NAMELY, INVESTMENT ANALYSIS, ADVICE, CONSULTATION AND MANAGEMENT, INVESTMENT BROKERAGE, FIDUCIARY SERVICES AND TRUST ADMINISTRATION; AND FINANCIAL SERVICES, NAMELY, FINANCIAL MANAGEMENT, FINANCIAL PLANNING, FINANCIAL PORTFOLIO MANAGEMENT, AND BILL PAYMENT SERVICES ]