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Credit union and banking services; checking account services; savings account services; credit card, charge card and debit card services; credit and loan services; online banking services; electronic banking via a global computer network; mortgage lending; ATM services; ATM banking services; consumer lending services; commercial lending services; insurance and financial information and consultancy services; investment advice; bill payment services offered through a website; financial planning and investment advisory services; safety deposit box services; telephone banking services; excluding real estate financing services