Financial services, namely, a full line of commercial, personal and municipal banking services; commercial, municipal savings and checking account services; automated teller machine services; banking services, namely, direct deposit services; electronic funds transfer services; telephone banking services featuring funds transfer services, checking account stop-payment services, touch-tone balance report services, providing interest rate, tax, IRA, account balance, transaction history, and other banking and financial information, and other related banking services; online banking services featuring bill payment services, funds transfer services, online banking and loan application documents, customer account balances and transaction information, and other banking and financial information; commercial, consumer, personal, overdraft, and automobile lending services; mortgage banking, brokerage and lending services; home equity loan services; residential and commercial land and construction loans; small business loan financing services; business and personal installment loans; evaluation of the credit worthiness of companies and private individuals; cash management services; financial clearing house services; safety deposit box services; real estate escrow and tenant security deposit escrow account services; credit card and debit card services, namely, issuing of credit and debit cards; credit card transaction processing services; insurance brokerage services in the fields of annuities, life and term insurance and long-term care insurance; Financial planning, consultation, investment, and investment brokerage services, namely, individual retirement accounts (IRAs), Roth and education IRAs, funds investment and consultation, portfolio management, stock brokerage, mutual funds, bonds, money market accounts, trust and estate planning, and executor, trustee and custodial services; financial management and administration of employee benefit plans, namely, employee pension plans, retirement plans, profit-sharing and money purchase plans, pension trust services, 401K plans, distribution of retirement funds, and beneficiary distribution services; commercial lending services; microfinance lending services; mortgage lending services; real estate lending services; wholesale lending services; financing loans for small businesses; providing working capital financing to businesses; lending consultant services; financial analysis, namely, compiling and analyzing statistics, data and other sources of information for financial purposes; providing information in the field of financial investments; financial information provided by electronic means in the field of investments and commercial lending; provision of financial information; financial information and advisory services; financial planning and investment advisory services; financial management services; financial portfolio management; wealth management services; providing information and consultation related to all of the above