Banking consultation; banking services; issuance of bank checks; issuance of traveler's checks; credit card services; debit card services; loan financing; mortgage lending; home equity loans; financing relating to automobiles; providing working capital financing to small businesses and small business owners; commercial lending services; consumer lending services; trust services, namely, investment services; currency exchange and advice; financial services, namely, providing a system of currency substitute for goods and services for use by members of a bank; commercial banking services; financial consulting; consulting services in the field of currency, money management, and banking; financial loan consultation; providing information and advice in the field of finance; providing information and advice in the field of the financial aspects of retirement; individual retirement account services; savings account services; savings bank services; checking account services; electronic transfers of money; on-line banking services; providing grants to local community organizations and businesses