BANKING SERVICES, NAMELY, SERVICES FOR PERSONAL AND BUSINESS CHECKING ACCOUNTS, MONEY MARKET ACCOUNTS, NEGOTIABLE ORDER OF WITHDRAWAL ACCOUNTS, SAVINGS ACCOUNTS, AND TIME DEPOSITS; COMMERCIAL, REAL ESTATE AND PERSONAL LOANS; SAFE DEPOSIT BOX SERVICES; DEPOSITORY SERVICES FOR UNITED STATES TAXES AND SOCIAL SECURITY CHECKS; SECURITIES BROKERAGE; SECURITIES UNDERWRITING; TRAVELERS' CHECKS ISSUANCE; SERVICES FOR FINANCING IMPORTS AND EXPORTS; ISSUING LETTERS OF CREDIT FOR OTHERS; FOREIGN CURRENCY EXCHANGE AND ADVICE; FOREIGN DEBT RECOVERY AND COLLECTION; ELECTRONIC FUNDS TRANSFER; FUND AND CAPITAL INVESTMENT CONSULTATION SERVICES; CASH MANAGEMENT; FINANCIAL SERVICES, NAMELY, DIRECT DEPOSIT ACCOUNT BANKING SERVICES; BANKING SERVICES, NAMELY, DEPOSITING DIVIDENDS INTO CUSTOMERS' BANK ACCOUNTS; LEASE-PURCHASE FINANCING; MONEY ORDER SERVICES; ELECTRONIC FUNDS TRANSFER FOR MULTI-CURRENCY PAYMENT ORDERS; BANKING SERVICES, NAMELY, PROVIDING LOCK BOX FACILITIES FOR CUSTOMERS; ISSUANCE AND REDEMPTION OF UNITED STATES SAVINGS BONDS; FACTORING AGENCY SERVICES; FINANCIAL ANALYSIS AND CONSULTATION; PROVIDING FINANCIAL INFORMATION BY ELECTRONIC MEANS; PROVIDING FINANCIAL INFORMATION ABOUT CUSTOMERS' ACCOUNTS INCLUDING ACCOUNT BALANCES AND TRANSACTIONS PROCESSED THROUGH FINANCIAL DATA PROCESSING EQUIPMENT; INTERNAL BOOK TRANSFERS, NAMELY, TRANSFER OF FUNDS BETWEEN CUSTOMERS' ACCOUNTS; WIRE PAYMENTS; MORTGAGE LENDING; AND CONSUMER LENDING SERVICES, NAMELY, ASSET BASED LENDING