BANKING AND FINANCIAL SERVICES, NAMELY, RETAIL BANKING SERVICES INCLUDING DEPOSIT ACCOUNTS, HOME MORTGAGE LENDING AND SERVICING, CREDIT CARD SERVICES, AUTO LENDING AND BANKING, EDUCATION FINANCE, NAMELY, STUDENT LOAN SERVICES AND PROVIDING AND SERVICING LOANS FOR THE PURPOSE OF FINANCING EDUCATIONAL EXPENSES, INVESTMENT ADVICE, AND FINANCIAL BANKING SERVICES PROVIDED TO SMALL BUSINESSES