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SAVINGS AND LOAN SERVICES; BANKING SERVICES PROVIDED BY A BANK HOLDING COMPANY AND A SAVINGS AND LOAN HOLDING COMPANY; SAVINGS BANK SERVICES [ AND PERSONAL AND COMMERCIAL TRUST SERVICES, ] NAMELY, PROVIDING MANAGED ACCOUNTS, [ PERSONAL TRUSTS, TESTAMENTARY TRUSTS, AND COMMERCIAL TRUSTS, ] MORTGAGE LENDING AND CREDIT CARD SERVICES; DEPOSITORY SERVICES, NAMELY, ACCEPTING FDIC-INSURED DEPOSITS AND PROVIDING DEPOSIT ACCOUNTS; PAYMENT SERVICES, NAMELY, AUTOMATED CLEARINGHOUSE, WIRE-TRANSFER, AND CHECKING SERVICES; PROVIDING SECURED AND UNSECURED LOANS; BANK FUNDING SERVICES; AND BANKING SERVICES