OPT FOR OPTIMISM

Banking services; online banking; banking, namely, providing bank account services; banking services featuring the provision of certificates of deposit; financing services; automated teller machine services; electronic cash transactions; providing bank account information by telephone, electronically, and via the Internet; banking services provided by mobile device; checking account services; check cashing; travelers' check issuance; money order issuance; consumer banking services; safe deposit box services; check processing; check verification; debit card services; electronic bill payment services; online banking services accessible by means of downloadable mobile applications; merchant banking services; currency exchange and advice; financial and estate planning; estate trust management; financial estate administration for trusts; administration of employee benefit plans concerning insurance and finance and financial administration of employee pension plans; financial analysis and consultation; commercial banking services; correspondent banking services; financial clearinghouse services; financial forecasting; financial guaranty and surety services; guaranty cash management, namely, financial administration of guaranty services; cash replacement rendered by credit card; Credit and cash card payment processing services; credit card transaction processing services; credit card verification; credit inquiry and consultation; evaluation of credit bureau data; factoring agency services; fiduciary representatives; mortgage banking services; real estate appraisal and investment services; real estate trustee services; tax payment processing services; insurance agencies and brokerages in the fields of home, life, accident, automobile, medical, property, casualty, and long-term care; insurance consultation; insurance administration in the fields of home, life, and accident insurance; electronic processing of insurance claims and payment data; claims adjustment services in the field of insurance; investment brokerage; stock brokerage; commodity brokerage; brokerage services for capital investments; investment banking services; fund investment consultation; maintaining escrow accounts for investments and mortgages; capital investment consultation; commodity investment advice; commodity price and stock exchange quotations; stock and commodity trading for others; automated securities brokerage; mutual fund brokerage; mutual fund investment and distribution; financial portfolio management; financial research; fiscal assessment and evaluation; bonds and financial securities brokerage; providing a website featuring information in the field of banking