BANKING SERVICES, NAMELY, CHECKING, SAVINGS AND INVESTMENT ACCOUNTS, BUSINESS LOANS AND LINES OF CREDIT, COMMERCIAL REAL ESTATE LOANS, INTERNATIONAL BANKING SERVICES, LETTERS OF CREDIT, TELEBANKING SERVICES, ON-LINE BANKING SERVICES, SAFE DEPOSIT BOX SERVICES; AND FINANCIAL SERVICES, NAMELY, FINANCIAL MANAGEMENT AND CONSULTATION SERVICES, STOCK BROKERAGE SERVICES AND BROKERAGE SERVICES IN THE FIELD OF LIFE INSURANCE