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Banking services; Online banking services; Checking account services; Savings account services; Deposit account services in the nature of checking and savings; ATM banking services; Banking services featuring the provision of certificates of deposit; Individual retirement account services; Credit card and debit card services; Consumer lending services; Commercial lending services; Providing personal loans; Online banking services, namely, providing customers with online access to account information, account management and reports, and electronic transactions via the Internet and computer networks; Online banking services accessible by means of downloadable mobile applications