Financial services, namely, savings and checking account services, issuance of bank check cards; share certificates and money market share savings account services; financial administration of individual retirement accounts; financial management of health savings accounts, "Name Your Own" club accounts, and Christmas club accounts; direct deposit of funds into customers accounts via payroll deduction, namely, electronic funds transfer; money lending services; consumer and commercial lending, namely, auto loans services, mortgages, home equity loan, lines of credit, personal loans, business loans, education loans; financial advisory and consultancy services; credit card services; youth savings programs and group savings programs, namely, savings account services; issuing of cashier's checks; money order services; safe deposit box services; wire transfers, namely, electronic transfers of money; automated teller machine services; banking services provided by mobile telephone connections; on-line banking services; bill payment services; online loan applications and after hours loan-by-phone applications, namely, arranging of loans; and scheduled automated money transfers services